6925 Hemlock Rd · Silver Springs Shores, FL 34472

$190,000

3 bd · 2.0 ba · 1,855 sqft · SingleFamily public records · 74 Days on market

Built 2006 0.26 ac lot $102/sqft · 26% below area Est $255k · 26% under

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Why this score? — see what drove the C+ 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 +15.4/30.0
• ARV discount +15.0/15.0
• Appreciation +8.0/10.0
• 1% rule +4.9/10.0
• DSCR +4.7/10.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to this spacious and inviting 3-bedroom, 2-bath, 2-car garage home located at 6925 Hemlock Rd in Ocala, FL. Offering 1,855 square feet of comfortable living space, this home is designed with both functionality and everyday living in mind. Step inside to discover a large living room perfect for entertaining guests, along with a separate family room that provides the ideal space for relaxing, movie nights, or a play area. The flexible layout gives you plenty of room to spread out and make the space your own. The home features a generously sized screened porch overlooking the fenced backyard—perfect for pets, outdoor gatherings, or simply enjoying your own private retreat. For added peace of mind, a security system is already in place. With ample space, multiple living areas, and great outdoor potential, this home offers comfort, versatility, and value. Conveniently located near shopping, dining, and major roadways, it’s a must-see opportunity in Ocala. Schedule your showing today and see all this home has to offer!

Key facts

• Security system
• Large living room
• Screened porch

Tags

• LARGE LIVING ROOM
• SEPARATE FAMILY ROOM
• SCREENED PORCH
• FENCED BACKYARD
• SECURITY SYSTEM
• MULTIPLE LIVING AREAS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $73 ($879/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 $189k (0.7% below list).
• Recommended offer: $179k (6.0% below list) — sets the bar for market timing.
• Cap rate 6.8% vs local median 4.7% in Silver Springs Shores — 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 68/100 on livability (#527 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, employment D, schools 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 flat; 674 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 35% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $13k of equity ($1k loan paydown + $11k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (5.9% appreciation + 0.2% rent growth), your $53k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 74 days — a 6% lower offer ($179k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 9y ago; this cycle's ask has dropped $60k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $20k; list at $190k implies a 850% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $178,600 (6.0% below list)

Questions for the listing agent

1. It's been on market 74 days. Have you received any prior offers? Is the seller open to a 6% 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 0.99% ✗
• Cap rate: 6.76%
• Cash-on-cash: 1.65%
• DSCR: 1.07
• GRM: 8.4

CMA / ARV

• ARV (median comp): $255,274
• List price: $190,000
• Delta: -25.57%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3 Fir Trl	0.44mi	3/2.0	1,776 (-4%)	4mo	$359,000	$202	69
7292 Hemlock Loop	0.27mi	3/2.0	1,696 (-9%)	11mo	$279,000	$165	64
6940 SE 52nd St	0.28mi	4/2.0 (+1)	1,602 (-14%)	3mo	$240,000	$150	56
45 Pecan Course Loop	0.74mi	3/2.0	1,936 (+4%)	9mo	$299,900	$155	51
10 Bahia Trace Loop	0.48mi	3/2.0	2,000 (+8%)	18mo	$360,000	$180	50
9 Fir Trail Pass	0.58mi	3/2.0	1,594 (-14%)	12mo	$230,000	$144	39
12 Hemlock Loop Pass	0.74mi	3/2.0	1,740 (-6%)	21mo	$292,900	$168	37
7398 Hemlock Rd	0.70mi	3/2.0	1,590 (-14%)	14mo	$238,000	$150	32

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

Projected returns pro-forma

5.93% appreciation · 0.17% rent growth · sell at horizon

5-year hold

• IRR: 15.3%
• Equity multiple: 2.01×
• Total profit: $53,629
• Equity at exit: $118,633

10-year hold

• IRR: 14.4%
• Equity multiple: 3.73×
• Total profit: $145,038
• Equity at exit: $214,440

Cash invested: $53,200 (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 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 674
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,887 high
• Mortgage (P&I): −$996
• Tax from tax record: −$342 /mo · $4,100/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$396
• Net cashflow: $73

Break-even live

Break-even rent $1,794

Max offer price $190,000

Occupancy floor 91%

Sensitivity live

Price	-10% $181	-5% $127	+0% $73	+5% $19	+10% $-34
Rent	-10% $-76	-5% $-1	+0% $73	+5% $148	+10% $222
Rate	-1.0pp $169	-0.5pp $122	base $73	+0.5pp $24	+1.0pp $-26

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7044 Hemlock Crse Ocala, FL	3.0	2.0	1270	$1,897	$1.49	14d	1	0.26mi
6875 SE 52nd St Ocala, FL	3.0	2.0	1624	$1,750	$1.08	22d	1	0.30mi
492 Hickory Course Loop Ocala, FL	4.0	2.0	1483	$1,750	$1.18	22d	1	0.70mi
13 Redwood Trace Ln Ocala, FL	3.0	2.0	1337	$1,595	$1.19	22d	1	0.83mi
149 Hickory Course Cir Ocala, FL	4.0	2.0	1827	$2,100	$1.15	14d	1	0.84mi
45 Redwood Run Ocala, FL	3.0	2.0	1435	$1,695	$1.18	22d	1	0.87mi
98 Dogwood Drive Cir Ocala, FL	3.0	2.0	1337	$1,695	$1.27	22d	1	0.90mi
308 Hickory Course Radl Ocala, FL	3.0	2.0	1397	$1,650	$1.18	22d	1	0.94mi
6 Cedar Dr Ocala, FL	3.0	2.0	1477	$1,675	$1.13	22d	1	0.94mi
136 Hickory Course Loop Ocala, FL	4.0	2.0	1828	$1,990	$1.09	14d	1	0.98mi
7184 Hemlock Loop Ocala, FL	3.0	2.0	1392	$1,675	$1.20	22d	1	0.99mi
57 Pine Cir Ocala, FL	3.0	2.0	1270	$1,897	$1.49	14d	1	1.01mi
5 Hickory Course Loop Ocala, FL	4.0	2.0	2319	$2,650	$1.14	14d	1	1.14mi
88 Dogwood Drive Loop Ocala, FL	3.0	2.0	1659	$1,600	$0.96	22d	1	1.14mi
5614 Pecan Rd Ocala, FL	3.0	2.0	1337	$1,595	$1.19	22d	1	1.19mi
2 Dogwood Drive Pl Ocala, FL	4.0	2.0	1608	$2,099	$1.31	22d	1	1.19mi
51 Hickory Course Trl Ocala, FL	4.0	2.0	2319	$2,300	$0.99	14d	1	1.21mi
38 Pecan Run Pass Ocala, FL	4.0	2.5	2086	$2,100	$1.01	22d	1	1.21mi
21 Dogwood Drive Pass Ocala, FL	3.0	2.0	1390	$1,595	$1.15	22d	1	1.30mi
19 Pecan Pass Ter Ocala, FL	3.0	2.0	1368	$1,750	$1.28	22d	1	1.30mi
3 Pine Circle Pass Ocala, FL	3.0	2.0	1674	$1,700	$1.02	22d	1	1.34mi
106 Redwood Track Crse Ocala, FL	3.0	2.0	1412	$1,675	$1.19	14d	1	1.43mi
9 Pine Course Radl Ocala, FL	3.0	2.0	1453	$1,725	$1.19	14d	1	1.44mi
7 Pine Run Ter Ocala, FL	3.0	2.0	1432	$1,500	$1.05	14d	1	1.48mi

Listing history 20 events

1. 2026-06-08
   status $190,000 Pending 74 DOM
2. 2026-06-07
   pricedays on market $190,000 Active 74 DOM
3. 2026-06-03
   days on market $240,000 Active 70 DOM
4. 2026-06-02
   days on market $240,000 Active 69 DOM
5. 2026-06-01
   days on market $240,000 Active 68 DOM
6. 2026-05-31
   days on market $240,000 Active 67 DOM
7. 2026-05-30
   days on market $240,000 Active 66 DOM
8. 2026-05-09
   price $248,000 1048-char remark

   Show marketing remark (1048 chars)

   Welcome to this spacious and inviting 3-bedroom, 2-bath, 2-car garage home located at 6925 Hemlock Rd in Ocala, FL. Offering 1,855 square feet of comfortable living space, this home is designed with both functionality and everyday living in mind. Step inside to discover a large living room perfect for entertaining guests, along with a separate family room that provides the ideal space for relaxing, movie nights, or a play area. The flexible layout gives you plenty of room to spread out and make the space your own. The home features a generously sized screened porch overlooking the fenced backyard—perfect for pets, outdoor gatherings, or simply enjoying your own private retreat. For added peace of mind, a security system is already in place. With ample space, multiple living areas, and great outdoor potential, this home offers comfort, versatility, and value. Conveniently located near shopping, dining, and major roadways, it’s a must-see opportunity in Ocala. Schedule your showing today and see all this home has to offer!

9. 2026-03-25
   listed $250,000 Active 1048-char remark

   Show marketing remark (1048 chars)

   Welcome to this spacious and inviting 3-bedroom, 2-bath, 2-car garage home located at 6925 Hemlock Rd in Ocala, FL. Offering 1,855 square feet of comfortable living space, this home is designed with both functionality and everyday living in mind. Step inside to discover a large living room perfect for entertaining guests, along with a separate family room that provides the ideal space for relaxing, movie nights, or a play area. The flexible layout gives you plenty of room to spread out and make the space your own. The home features a generously sized screened porch overlooking the fenced backyard—perfect for pets, outdoor gatherings, or simply enjoying your own private retreat. For added peace of mind, a security system is already in place. With ample space, multiple living areas, and great outdoor potential, this home offers comfort, versatility, and value. Conveniently located near shopping, dining, and major roadways, it’s a must-see opportunity in Ocala. Schedule your showing today and see all this home has to offer!

10. 2026-03-14
    historical $1,950
11. 2026-01-01
    listed $1,950
12. 2025-12-21
    historical $1,950
13. 2025-12-17
    listed $1,950
14. 2025-11-21
    historical $1,950
15. 2025-09-17
    listed $1,950
16. 2018-02-28
    historical
17. 2017-10-02
    listed $169,999
18. 2005-04-28
    soldstatus $20,000
19. 2004-12-16
    soldstatus $15,900
20. 1995-05-31
    soldstatus $5,181

ⓘ 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: $4,100 · $342/mo
• Projected year-2 tax: $4,100 · $342/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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: $22,639
• − Mortgage interest: −$10,643
• − Property taxes: −$4,100
• − Insurance: −$950
• − Repairs & maintenance: −$1,811
• − Management: −$1,811
• − Depreciation: −$5,527
• Taxable loss: −$2,203
• Est. tax savings @ 24.0%: +$529
• After-tax cash flow: $1,407/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 — Silver Springs Shores

• Score: 68/100
• State rank: #527
• US rank: #9854

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Silver Springs Shores, FL
• County: Marion County · 315,796 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 35,851
• Household income: $64,208
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 655.0

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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 21% Two or more races 18% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 3%
• Common ancestry: Romanian 2% Iranian 1% Lithuanian 1%
• Foreign-born: 11% · Canada, Jamaica, China
• Languages at home: 78% English-only · Spanish 19% 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: ▲ 5.93%
• Current HPI: 255.0714
• Rent YoY: ▲ 0.17%
• 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

+4686.7% since first listed

13 events — show timeline

• 2026-05-09 Price Changed $248,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-25 Listed $250,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-14 Rental Removed $1,950 STELLARMLS
• 2026-01-01 Listed for Rent $1,950 STELLARMLS
• 2025-12-21 Rental Removed $1,950 STELLARMLS
• 2025-12-17 Listed for Rent $1,950 STELLARMLS
• 2025-11-21 Rental Removed $1,950 STELLARMLS
• 2025-09-17 Listed for Rent $1,950 STELLARMLS
• 2018-02-28 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-10-02 Listed $169,999 Stellar MLS as Distributed by MLS Grid
• 2005-04-28 Sold (Public Records) $20,000 Public Records
• 2004-12-16 Sold (Public Records) $15,900 Public Records
• 1995-05-31 Sold (Public Records) $5,181 Public Records

Property tax history

+11.9%/yr

Latest (2025): $4,100 · +1.8% YoY. Source: county tax records.