5255 NW 64 St · Ocala, FL 34482

$222,000

3 bd · 2.0 ba · 1,118 sqft · SingleFamily public records · 78 Days on market

Built 2000 10,454 sqft lot $199/sqft · at area comps Est $224k · at est.

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +16.5/30.0
• ARV discount +7.9/15.0
• DSCR +5.1/10.0
• Rent growth +5.0/5.0
• 1% rule +4.3/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This three-bedroom, two-bath single-family residence offers spacious living space on a 0.24-acre lot in northwest Marion County. Built in 2000 with block and stucco construction, the home features a functional split floor plan and durable finishes designed for everyday living. A covered front porch provides a welcoming entry and a comfortable outdoor space for morning coffee or relaxing at end of the day. Inside, the living room flows into the dining area and kitchen, creating an efficient layout for casual entertaining. Tile flooring is installed throughout the residence, offering durability and ease of maintenance. The primary suite is positioned off the living area and includes a private bath and walk-in closet. Two additional bedrooms feature built-in closet space and share a full bath, offering flexibility for guests, home office use or additional household needs. The backyard includes a concrete patio suitable for outdoor grilling or gatherings and opens to a spacious yard with partial fencing, including chain-link and wood sections. The 0.24-acre lot provides room for outdoor activities, pets or future landscaping improvements. Additional features include a one-car garage, newer central heating and air conditioning, and roof was replaced in 2021. The home is serviced by well and septic systems. Ocala Park Estates is in the northwest portion of Marion County and offers convenient access to major transportation routes, including Interstate 75. The community is also near the World Equestrian Center, a major destination for equestrian sport, dining and events, as well as nearby shopping and services.

Key facts

• Covered front porch
• Partial fencing
• Convenient access

Tags

• COVERED FRONT PORCH
• TILE FLOORING
• CONCRETE PATIO
• PARTIAL FENCING
• CONVENIENT ACCESS
• WORLD EQUESTRIAN CENTER

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $222k.

Deal economics

• At list price, monthly cash flow is $129 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $206k (7.4% below list).
• Recommended offer: $206k (7.4% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 4.2% in Ocala — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 69/100 on livability (#476 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Marion (rural): math 42% / reading 43% proficiency, ranked #61 of 73 in FL (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+11.1%/yr); 663 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 37% of the median local income ($66k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 78 days — a 6% lower offer ($209k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 14y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $38k; list at $222k implies a 490% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $205,638 (7.4% below list)

Questions for the listing agent

1. It's been on market 78 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.93% ✗
• Cap rate: 6.99%
• Cash-on-cash: 2.49%
• DSCR: 1.11
• GRM: 9.0

CMA / ARV

• ARV (median comp): $223,983
• List price: $222,000
• Delta: -0.89%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5290 NW 61st Ln	0.22mi	3/2.0	1,118 (0%)	2mo	$175,100	$157	88
5548 NW 63rd Pl	0.27mi	3/2.0	1,152 (+3%)	21mo	$190,000	$165	65
5417 NW 63rd Pl	0.15mi	3/2.0	1,246 (+11%)	17mo	$225,000	$181	59
5931 NW 62nd Pl	0.61mi	3/2.0	1,014 (-9%)	1mo	$219,900	$217	55
5831 NW 58th Ter	0.66mi	3/2.0	1,144 (+2%)	13mo	$227,000	$198	55
5641 NW 55th Ave	0.61mi	3/2.0	1,008 (-10%)	10mo	$129,000	$128	47
5238 NW 61st Ln	0.22mi	2/1.0 (-1)	962 (-14%)	16mo	$169,900	$177	44
5810 NW 59th Ave	0.74mi	3/1.5	1,008 (-10%)	19mo	$180,000	$179	31
5920 NW 65th St	0.59mi	3/2.5	1,258 (+12%)	24mo	$90,000	$72	30

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -7.0%
• Equity multiple: 0.73×
• Total profit: $-16,877
• Equity at exit: $33,101

10-year hold

• IRR: 7.9%
• Equity multiple: 1.73×
• Total profit: $45,383
• Equity at exit: $19,195

Cash invested: $62,160 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34482

• Rents YoY: 11.1%
• Active inventory: 663
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $2,056 high
• Mortgage (P&I): −$1,164
• Tax from tax record: −$239 /mo · $2,865/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$432
• Net cashflow: $129

Break-even live

Break-even rent $1,893

Max offer price $222,000

Occupancy floor 89%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $55,500
• Closing costs: $6,660
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5532 NW 57th Pl Ocala, FL	2.0	2.0	962	$1,295	$1.35	13d	1	0.58mi
5907 NW 64th St Ocala, FL	4.0	2.0	1313	$1,699	$1.29	21d	1	0.61mi
6175 NW 59th Ave Ocala, FL	3.0	2.0	1384	$1,745	$1.26	21d	1	0.61mi
5391 NW 55th Ct Ocala, FL	3.0	2.0	1332	$1,650	$1.24	21d	1	0.80mi
6425 NW 62nd Ter Ocala, FL	3.0	2.0	1349	$3,000	$2.22	21d	1	0.95mi
6440 NW 66th Ct Ocala, FL	3.0	2.0	992	$1,695	$1.71	13d	1	1.38mi

Listing history 3 events

1. 2026-03-09
   listed $222,000 Active 1630-char remark

   Show marketing remark (1630 chars)

   This three-bedroom, two-bath single-family residence offers spacious living space on a 0.24-acre lot in northwest Marion County. Built in 2000 with block and stucco construction, the home features a functional split floor plan and durable finishes designed for everyday living. A covered front porch provides a welcoming entry and a comfortable outdoor space for morning coffee or relaxing at end of the day. Inside, the living room flows into the dining area and kitchen, creating an efficient layout for casual entertaining. Tile flooring is installed throughout the residence, offering durability and ease of maintenance. The primary suite is positioned off the living area and includes a private bath and walk-in closet. Two additional bedrooms feature built-in closet space and share a full bath, offering flexibility for guests, home office use or additional household needs. The backyard includes a concrete patio suitable for outdoor grilling or gatherings and opens to a spacious yard with partial fencing, including chain-link and wood sections. The 0.24-acre lot provides room for outdoor activities, pets or future landscaping improvements. Additional features include a one-car garage, newer central heating and air conditioning, and roof was replaced in 2021. The home is serviced by well and septic systems. Ocala Park Estates is in the northwest portion of Marion County and offers convenient access to major transportation routes, including Interstate 75. The community is also near the World Equestrian Center, a major destination for equestrian sport, dining and events, as well as nearby shopping and services.

2. 2012-10-30
   soldstatus $37,600 166-char remark

   Show marketing remark (166 chars)

   3/2 Home in quiet neighborhood. Close to shopping. Home needs a bit of TLC, would make a great starter home or income property. Sold ''AS-IS'' Bank approved reduction

3. 2012-04-06
   listed $36,700 166-char remark

   Show marketing remark (166 chars)

   3/2 Home in quiet neighborhood. Close to shopping. Home needs a bit of TLC, would make a great starter home or income property. Sold ''AS-IS'' Bank approved reduction

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $2,865 · $239/mo
• Projected year-2 tax: $2,865 · $239/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 72% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,677
• − Mortgage interest: −$12,435
• − Property taxes: −$2,865
• − Insurance: −$1,110
• − Repairs & maintenance: −$1,974
• − Management: −$1,974
• − Depreciation: −$6,458
• Taxable loss: −$2,140
• Est. tax savings @ 24.0%: +$514
• After-tax cash flow: $2,063/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Marion
• NCES district ID: 1201260
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $40,015
• Composite: 35.61/100
• National rank: #4890
• State rank: #61 of 73 in FL

Livability — Ocala

• Score: 69/100
• State rank: #476
• US rank: #8461

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment F Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

Population outlook (Marion County) Hauer SSP2

• Today (2025): 365,905 people
• By 2030: 376,768 · +3.0%
• By 2040: 396,555 · +8.4%
• By 2050: 412,723 · +12.8%
• By 2075: 446,090 · +21.9%
• By 2100: 436,193 · +19.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% Other Indo-European 1%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+31.6) · D 33.8% · R 65.5%
• 2008→2024 swing: -20.0pp toward R · 2008: -11.6pp · 2024: -31.6pp
• All cycles: 2024: R+31.6 2020: R+25.9 2016: R+26.2 2012: R+16.2 2008: R+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• Metro: Ocala, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+504.9% since first listed

3 events — show timeline

• 2026-03-09 Listed $222,000 Stellar MLS as Distributed by MLS Grid
• 2012-10-30 Sold (MLS) $37,600 Stellar MLS as Distributed by MLS Grid
• 2012-04-06 Listed $36,700 Stellar MLS as Distributed by MLS Grid

Property tax history

+10.1%/yr

Latest (2025): $2,865 · +2.9% YoY. Source: county tax records.