2 Malauka Loop Ln · Silver Springs Shores East, FL 32179

$212,900

3 bd · 2.0 ba · 1,170 sqft · SingleFamily · 435 Days on market

Built 2025 Good condition 0.26 ac lot $182/sqft · 9% below area Est $234k · 9% under ↓ 10% since listing

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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 +11.7/30.0
• ARV discount +11.5/15.0
• Condition / age +4.0/5.0
• Schools +3.6/10.0
• 1% rule +3.4/10.0
• DSCR +3.4/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Under Construction. Builder will pay up to $5,000 of buyer's closings costs!!Charming Cottage Home with Modern Comforts, No HOA, and a 10 Year Warranty! Home will be ready for you to move in within 30 days! • Huge, Open Kitchen: The heart of this home boasts an expansive kitchen with a remarkable 7-foot-long pony-top bar. Enjoy an abundance of counter space, perfect for all your culinary adventures. • Split Floorplan: Designed for privacy and comfort. • Wonderful Master Suite: Retreat to your spacious master bedroom featuring a large walk-in closet for ample storage. The luxurious en-suite bathroom is a true sanctuary with extensive cabinet space, two vanity sinks, and a Roman-style walk-in tiled shower. • Energy Efficient: Enjoy lower utility bills and year-round comfort thanks to added insulation throughout the home. • Expansive Backyard: The large backyard offers endless possibilities! With plenty of room for a future swimming pool, a playset, or a lush garden. Community allows for fencing. • No HOA Dues! • Effortless Commutes: Easy access to Ocala, The Villages, Lake Weir, and Belleview. • Nature at Your Doorstep: Explore the beautiful springs of the Ocala National Forest, just a short drive away. • Weekend Getaways: Only an hour's drive to the vibrant city of Orlando or the stunning Florida beaches, perfect for weekend escapes. • Don't miss this opportunity to own a charming home with so much to offer in a fantastic location!

Key facts

• Walk-in closet
• Large backyard
• Double-pane windows

Tags

• MAINTENANCE-FREE EXTERIOR
• SUPERIOR WALL INSULATION
• LARGE BACKYARD
• HARD SURFACE FLOORING
• DOUBLE-PANE WINDOWS
• WALK-IN CLOSET

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $213k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-63 ($-760/yr) — negative.
• To cash-flow at today's rent, offer at most $204k (4.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $178k (16.3% below list).
• Recommended offer: $178k (16.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• 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.
• Zoned schools: Stanton-Weirsdale Elementary School (math 42% / reading 36%, grade F, #1,560 of 2,144 statewide, top 73%, 544 students, 70% FRL); Lake Weir Middle School (math 37% / reading 33%, grade F, #416 of 571 statewide, top 74%, 1,207 students, 76% FRL); Lake Weir High School (math 23% / reading 34%, grade F, #458 of 667 statewide, top 69%, 1,483 students, 68% FRL).
• Market conditions: 431 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• At $1,782/mo this rent would consume 46% of the median local household income ($47k/yr) (locally 303% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 435 days — a 12% lower offer ($187k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $178,224 (16.3% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 435 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.84% ✗
• Cap rate: 5.94%
• Cash-on-cash: -1.27%
• DSCR: 0.94
• GRM: 10.0

CMA / ARV

• ARV (median comp): $233,869
• List price: $212,900
• Delta: -8.97%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3 Malauka Radial Ct	0.63mi	3/2.0	1,170 (0%)	7mo	$214,000	$183	65
246 Malauka Loop	0.63mi	3/2.0	1,089 (-7%)	23mo	$219,900	$202	40
234 Malauka Loop	0.64mi	3/2.0	1,323 (+13%)	19mo	$249,000	$188	32

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -18.4%
• Equity multiple: 0.35×
• Total profit: $-38,506
• Equity at exit: $31,744

10-year hold

• IRR: -10.7%
• Equity multiple: 0.35×
• Total profit: $-38,615
• Equity at exit: $18,408

Cash invested: $59,612 (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 32179

• Home prices YoY: -18.3%
• Active inventory: 431
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,782 high
• Mortgage (P&I): −$1,116
• Tax est. 1.5%: −$266 /mo · $3,194/yr
• Insurance: −$89
• HOA: −$0
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $-63

Break-even live

Break-even rent $1,862

Max offer price $203,735

Occupancy floor 99%

Sensitivity live

Price	-10% $84	-5% $10	+0% $-63	+5% $-137	+10% $-210
Rent	-10% $-204	-5% $-134	+0% $-63	+5% $7	+10% $77
Rate	-1.0pp $44	-0.5pp $-9	base $-63	+0.5pp $-119	+1.0pp $-175

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: $53,225
• Closing costs: $6,387
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9 Malauka Loop Ocklawaha, FL	3.0	2.0	1389	$1,625	$1.17	23d	1	0.06mi
9 Malauka Loop Ln Ocklawaha, FL	3.0	2.0	1319	$1,625	$1.23	23d	1	0.06mi
338 Malauka Loop Ocklawaha, FL	3.0	2.0	1311	$1,895	$1.45	16d	1	0.27mi
17 Malauka Loop Pl Ocklawaha, FL	3.0	2.0	1322	$1,550	$1.17	16d	1	0.43mi
24 Malauka Loop Pl Ocklawaha, FL	3.0	2.0	1319	$1,625	$1.23	16d	1	0.47mi
35 Malauka Cir Ocklawaha, FL	3.0	2.0	1371	$1,700	$1.24	23d	1	0.48mi
205 Malauka Loop Ocklawaha, FL	3.0	2.0	1311	$1,695	$1.29	16d	1	0.63mi
122 Malauka Loop Ocklawaha, FL	3.0	2.0	1323	$1,675	$1.27	23d	1	0.89mi
3 Fisher Place Dr Ocklawaha, FL	3.0	2.0	1350	$1,640	$1.21	23d	1	1.30mi

Listing history 10 events

1. 2026-06-07
   statusdays on market $212,900 Pending 435 DOM
2. 2026-06-03
   days on market $212,900 Active 434 DOM
3. 2026-06-02
   days on market $212,900 Active 433 DOM
4. 2026-05-31
   days on market $212,900 Active 431 DOM
5. 2026-05-30
   days on market $212,900 Active 430 DOM
6. 2025-09-19
   price $214,900 1507-char remark

   Show marketing remark (1507 chars)

   Under Construction. Builder will pay up to $5,000 of buyer's closings costs!!Charming Cottage Home with Modern Comforts, No HOA, and a 10 Year Warranty! Home will be ready for you to move in within 30 days! • Huge, Open Kitchen: The heart of this home boasts an expansive kitchen with a remarkable 7-foot-long pony-top bar. Enjoy an abundance of counter space, perfect for all your culinary adventures. • Split Floorplan: Designed for privacy and comfort. • Wonderful Master Suite: Retreat to your spacious master bedroom featuring a large walk-in closet for ample storage. The luxurious en-suite bathroom is a true sanctuary with extensive cabinet space, two vanity sinks, and a Roman-style walk-in tiled shower. • Energy Efficient: Enjoy lower utility bills and year-round comfort thanks to added insulation throughout the home. • Expansive Backyard: The large backyard offers endless possibilities! With plenty of room for a future swimming pool, a playset, or a lush garden. Community allows for fencing. • No HOA Dues! • Effortless Commutes: Easy access to Ocala, The Villages, Lake Weir, and Belleview. • Nature at Your Doorstep: Explore the beautiful springs of the Ocala National Forest, just a short drive away. • Weekend Getaways: Only an hour's drive to the vibrant city of Orlando or the stunning Florida beaches, perfect for weekend escapes. • Don't miss this opportunity to own a charming home with so much to offer in a fantastic location!

7. 2025-07-25
   price $219,900 1507-char remark

   Show marketing remark (1507 chars)

   Under Construction. Builder will pay up to $5,000 of buyer's closings costs!!Charming Cottage Home with Modern Comforts, No HOA, and a 10 Year Warranty! Home will be ready for you to move in within 30 days! • Huge, Open Kitchen: The heart of this home boasts an expansive kitchen with a remarkable 7-foot-long pony-top bar. Enjoy an abundance of counter space, perfect for all your culinary adventures. • Split Floorplan: Designed for privacy and comfort. • Wonderful Master Suite: Retreat to your spacious master bedroom featuring a large walk-in closet for ample storage. The luxurious en-suite bathroom is a true sanctuary with extensive cabinet space, two vanity sinks, and a Roman-style walk-in tiled shower. • Energy Efficient: Enjoy lower utility bills and year-round comfort thanks to added insulation throughout the home. • Expansive Backyard: The large backyard offers endless possibilities! With plenty of room for a future swimming pool, a playset, or a lush garden. Community allows for fencing. • No HOA Dues! • Effortless Commutes: Easy access to Ocala, The Villages, Lake Weir, and Belleview. • Nature at Your Doorstep: Explore the beautiful springs of the Ocala National Forest, just a short drive away. • Weekend Getaways: Only an hour's drive to the vibrant city of Orlando or the stunning Florida beaches, perfect for weekend escapes. • Don't miss this opportunity to own a charming home with so much to offer in a fantastic location!

8. 2025-07-10
   price $224,900 1507-char remark

   Show marketing remark (1507 chars)

   Under Construction. Builder will pay up to $5,000 of buyer's closings costs!!Charming Cottage Home with Modern Comforts, No HOA, and a 10 Year Warranty! Home will be ready for you to move in within 30 days! • Huge, Open Kitchen: The heart of this home boasts an expansive kitchen with a remarkable 7-foot-long pony-top bar. Enjoy an abundance of counter space, perfect for all your culinary adventures. • Split Floorplan: Designed for privacy and comfort. • Wonderful Master Suite: Retreat to your spacious master bedroom featuring a large walk-in closet for ample storage. The luxurious en-suite bathroom is a true sanctuary with extensive cabinet space, two vanity sinks, and a Roman-style walk-in tiled shower. • Energy Efficient: Enjoy lower utility bills and year-round comfort thanks to added insulation throughout the home. • Expansive Backyard: The large backyard offers endless possibilities! With plenty of room for a future swimming pool, a playset, or a lush garden. Community allows for fencing. • No HOA Dues! • Effortless Commutes: Easy access to Ocala, The Villages, Lake Weir, and Belleview. • Nature at Your Doorstep: Explore the beautiful springs of the Ocala National Forest, just a short drive away. • Weekend Getaways: Only an hour's drive to the vibrant city of Orlando or the stunning Florida beaches, perfect for weekend escapes. • Don't miss this opportunity to own a charming home with so much to offer in a fantastic location!

9. 2025-04-23
   price $229,900 1507-char remark

   Show marketing remark (1507 chars)

   Under Construction. Builder will pay up to $5,000 of buyer's closings costs!!Charming Cottage Home with Modern Comforts, No HOA, and a 10 Year Warranty! Home will be ready for you to move in within 30 days! • Huge, Open Kitchen: The heart of this home boasts an expansive kitchen with a remarkable 7-foot-long pony-top bar. Enjoy an abundance of counter space, perfect for all your culinary adventures. • Split Floorplan: Designed for privacy and comfort. • Wonderful Master Suite: Retreat to your spacious master bedroom featuring a large walk-in closet for ample storage. The luxurious en-suite bathroom is a true sanctuary with extensive cabinet space, two vanity sinks, and a Roman-style walk-in tiled shower. • Energy Efficient: Enjoy lower utility bills and year-round comfort thanks to added insulation throughout the home. • Expansive Backyard: The large backyard offers endless possibilities! With plenty of room for a future swimming pool, a playset, or a lush garden. Community allows for fencing. • No HOA Dues! • Effortless Commutes: Easy access to Ocala, The Villages, Lake Weir, and Belleview. • Nature at Your Doorstep: Explore the beautiful springs of the Ocala National Forest, just a short drive away. • Weekend Getaways: Only an hour's drive to the vibrant city of Orlando or the stunning Florida beaches, perfect for weekend escapes. • Don't miss this opportunity to own a charming home with so much to offer in a fantastic location!

10. 2025-03-26
    listed $239,900 Active 1507-char remark

    Show marketing remark (1507 chars)

    Under Construction. Builder will pay up to $5,000 of buyer's closings costs!!Charming Cottage Home with Modern Comforts, No HOA, and a 10 Year Warranty! Home will be ready for you to move in within 30 days! • Huge, Open Kitchen: The heart of this home boasts an expansive kitchen with a remarkable 7-foot-long pony-top bar. Enjoy an abundance of counter space, perfect for all your culinary adventures. • Split Floorplan: Designed for privacy and comfort. • Wonderful Master Suite: Retreat to your spacious master bedroom featuring a large walk-in closet for ample storage. The luxurious en-suite bathroom is a true sanctuary with extensive cabinet space, two vanity sinks, and a Roman-style walk-in tiled shower. • Energy Efficient: Enjoy lower utility bills and year-round comfort thanks to added insulation throughout the home. • Expansive Backyard: The large backyard offers endless possibilities! With plenty of room for a future swimming pool, a playset, or a lush garden. Community allows for fencing. • No HOA Dues! • Effortless Commutes: Easy access to Ocala, The Villages, Lake Weir, and Belleview. • Nature at Your Doorstep: Explore the beautiful springs of the Ocala National Forest, just a short drive away. • Weekend Getaways: Only an hour's drive to the vibrant city of Orlando or the stunning Florida beaches, perfect for weekend escapes. • Don't miss this opportunity to own a charming home with so much to offer in a fantastic location!

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,387
• − Mortgage interest: −$11,926
• − Property taxes: −$3,194
• − Insurance: −$1,064
• − Repairs & maintenance: −$1,711
• − Management: −$1,711
• − Depreciation: −$6,193
• Taxable loss: −$4,412
• Est. tax savings @ 24.0%: +$1,059
• After-tax cash flow: $299/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.

Condition & rehab AI · 12 photos

Good 80/100 None rehab

This home is in excellent condition with a modern kitchen, two bathrooms, and a well-maintained exterior. It is move-in ready and has the potential for further value increases through minor updates.

Value-add opportunities

• Both Painting the interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhanced landscaping can increase the home's curb appeal and property value.
• Both Add a smart home system — A smart home system can increase the home's value and appeal to tech-savvy buyers/renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can increase the home's curb appeal and property value. ↑
• Both Add a smart home system — A smart home system can increase the home's value and appeal to tech-savvy buyers/renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Silver Springs Shores East

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Silver Springs Shores East, FL
• County: Marion County · 315,796 people
• Metro: Ocala, FL
• Population (ZIP): 9,318
• Household income: $46,512
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 303.0

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: Predominantly White (81%)
• Race & ethnicity: White 81% Two or more races 12% Hispanic / Latino 11%
• Hispanic origin (detail): Mexican 5% Puerto Rican 3% Cuban 3%
• Common ancestry: Slovak 4% Romanian 2% Lithuanian 2%
• Foreign-born: 5% · Canada
• Languages at home: 93% English-only · Spanish 7%

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: ▼ -54.21%
• Current HPI: 242.0408
• Rent YoY: —
• 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

-10.4% since first listed

5 events — show timeline

• 2025-09-19 Price Changed $214,900 Stellar MLS as Distributed by MLS Grid
• 2025-07-25 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2025-07-10 Price Changed $224,900 Stellar MLS as Distributed by MLS Grid
• 2025-04-23 Price Changed $229,900 Stellar MLS as Distributed by MLS Grid
• 2025-03-26 Listed $239,900 Stellar MLS as Distributed by MLS Grid