195 Oak Ln · Silver Springs Shores, FL 34472

$274,990

4 bd · 2.0 ba · 1,666 sqft · Land · 77 Days on market

Built 2026 0.28 ac lot $165/sqft · 7% above area Est $256k · 7% over

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Why this score? — see what drove the F 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).

• Appreciation +8.0/10.0
• Cash flow +7.0/30.0
• ARV discount +4.2/15.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.9/10.0
• DSCR +1.2/10.0

Listing remarks MLS

Under Construction. Welcome to your dream home in the Silver Springs Shores Community! Step into the Quail Ridge Plan this delightful home features an open living room that flows into a beautifully designed dining area and kitchen, perfect for gatherings. The kitchen is the heart of the house, boasting elegant cabinetry, quartz countertops, and stainless steel appliances, including a range with a microwave and dishwasher. The primary suite includes a private bath with dual vanity sinks and a spacious walk-in closet. Three more inviting bedrooms and a full secondary bath provide ample space. A two-car garage offers plenty of storage, and energy-efficient Low-E insulated dual-pane windows enhance comfort. Enjoy peace of mind with a one-year limited home warranty. Discover the Quail Ridge Plan and embrace a stylish and comfortable lifestyle.

Key facts

• Quartz countertops
• Open living room
• Elegant cabinetry

Tags

• OPEN LIVING ROOM
• DINING AREA
• ELEGANT CABINETRY
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• PRIVATE BATH

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $275k.

Deal economics

• At list price, monthly cash flow is $-397 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $218k (20.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $190k (30.8% below list).
• Recommended offer: $190k (30.8% below list) — sets the bar for 1% rule.

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; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 15d 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 36% 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 $18k of equity ($2k loan paydown + $16k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 3, paydown + projected appreciation supports a ~$45k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($258k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y 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 $30k; list at $275k implies a 817% 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; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $190,279 (30.8% 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 77 days. Have you received any prior offers? Is the seller open to a 31% 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. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.69% ✗
• Cap rate: 4.56%
• Cash-on-cash: -6.19%
• DSCR: 0.72
• GRM: 12.0

CMA / ARV

• ARV (median comp): $256,448
• List price: $274,990
• Delta: 7.23%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 9.2%
• Equity multiple: 1.62×
• Total profit: $47,758
• Equity at exit: $171,699

10-year hold

• IRR: 9.9%
• Equity multiple: 2.96×
• Total profit: $151,108
• Equity at exit: $310,362

Cash invested: $76,997 (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: 12.0×

Monthly cashflow live

• Estimated rent: $1,903 high
• Mortgage (P&I): −$1,442
• Tax est. 1.5%: −$344 /mo · $4,125/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$400
• Net cashflow: $-397

Break-even live

Break-even rent $2,406

Max offer price $217,516

Occupancy floor —

Sensitivity live

Price	-10% $-207	-5% $-302	+0% $-397	+5% $-492	+10% $-587
Rent	-10% $-548	-5% $-472	+0% $-397	+5% $-322	+10% $-247
Rate	-1.0pp $-259	-0.5pp $-327	base $-397	+0.5pp $-468	+1.0pp $-541

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: $68,748
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
202 Oak Lane Cir Ocala, FL	3.0	2.0	1232	$1,650	$1.34	14d	1	0.12mi
217 Locust Pass Crse Ocala, FL	3.0	2.0	1232	$1,650	$1.34	14d	1	0.40mi
219 Locust Ln Ocala, FL	3.0	2.0	1232	$1,650	$1.34	14d	1	0.52mi
342 Locust Pass Ocala, FL	3.0	2.0	1232	$1,650	$1.34	14d	1	0.84mi
325 Oak Track Ct Ocala, FL	3.0	2.0	1163	$1,550	$1.33	22d	1	0.97mi
27 Sapphire Run Ocala, FL	3.0	2.0	1255	$1,500	$1.20	22d	1	1.42mi

Listing history 25 events

1. 2026-06-18
   days on market $274,990 Active 77 DOM
2. 2026-06-17
   days on market $274,990 Active 76 DOM
3. 2026-06-16
   days on market $274,990 Active 75 DOM
4. 2026-06-15
   days on market $274,990 Active 74 DOM
5. 2026-06-14
   days on market $274,990 Active 72 DOM
6. 2026-06-13
   days on market $274,990 Active 71 DOM
7. 2026-06-10
   days on market $274,990 Active 69 DOM
8. 2026-06-09
   days on market $274,990 Active 68 DOM
9. 2026-06-08
   days on market $274,990 Active 67 DOM
10. 2026-06-07
    days on market $274,990 Active 66 DOM
11. 2026-06-03
    days on market $274,990 Active 62 DOM
12. 2026-06-02
    days on market $274,990 Active 61 DOM
13. 2026-06-01
    days on market $274,990 Active 60 DOM
14. 2026-05-31
    days on market $274,990 Active 59 DOM
15. 2026-05-30
    days on market $274,990 Active 58 DOM
16. 2026-04-02
    listed $274,990 Active 850-char remark

    Show marketing remark (850 chars)

    Under Construction. Welcome to your dream home in the Silver Springs Shores Community! Step into the Quail Ridge Plan this delightful home features an open living room that flows into a beautifully designed dining area and kitchen, perfect for gatherings. The kitchen is the heart of the house, boasting elegant cabinetry, quartz countertops, and stainless steel appliances, including a range with a microwave and dishwasher. The primary suite includes a private bath with dual vanity sinks and a spacious walk-in closet. Three more inviting bedrooms and a full secondary bath provide ample space. A two-car garage offers plenty of storage, and energy-efficient Low-E insulated dual-pane windows enhance comfort. Enjoy peace of mind with a one-year limited home warranty. Discover the Quail Ridge Plan and embrace a stylish and comfortable lifestyle.

17. 2025-08-05
    soldstatus $30,000 Closed 765-char remark

    Show marketing remark (765 chars)

    Situated in the heart of Silver Springs Shores this oversize lot measures 82 by 150 feet. Located outside the flood zone, with no wetlands or protected species on site, this lot is shovel-ready and primed for development. Silver Spring Shores is located southeast of downtown Ocala and near I-75 and 441 for easy access to the Orlando suburbs. Ocala has plenty to do for nature lovers including natural springs, state forests, mudding and biking trails. Silver Spring Shores is exploding with development due to low housing prices and cheap land. Walmart and shops are just 10 minutes away. Silver Springs Shores, one of the largest artesian spring formations in the world, is just 10 minutes away. Just 20 minutes to downtown Ocala, and 1 hour to downtown Orlando.

18. 2025-06-10
    status Pending 765-char remark

    Show marketing remark (765 chars)

    Situated in the heart of Silver Springs Shores this oversize lot measures 82 by 150 feet. Located outside the flood zone, with no wetlands or protected species on site, this lot is shovel-ready and primed for development. Silver Spring Shores is located southeast of downtown Ocala and near I-75 and 441 for easy access to the Orlando suburbs. Ocala has plenty to do for nature lovers including natural springs, state forests, mudding and biking trails. Silver Spring Shores is exploding with development due to low housing prices and cheap land. Walmart and shops are just 10 minutes away. Silver Springs Shores, one of the largest artesian spring formations in the world, is just 10 minutes away. Just 20 minutes to downtown Ocala, and 1 hour to downtown Orlando.

19. 2025-05-28
    price $32,450 765-char remark

    Show marketing remark (765 chars)

    Situated in the heart of Silver Springs Shores this oversize lot measures 82 by 150 feet. Located outside the flood zone, with no wetlands or protected species on site, this lot is shovel-ready and primed for development. Silver Spring Shores is located southeast of downtown Ocala and near I-75 and 441 for easy access to the Orlando suburbs. Ocala has plenty to do for nature lovers including natural springs, state forests, mudding and biking trails. Silver Spring Shores is exploding with development due to low housing prices and cheap land. Walmart and shops are just 10 minutes away. Silver Springs Shores, one of the largest artesian spring formations in the world, is just 10 minutes away. Just 20 minutes to downtown Ocala, and 1 hour to downtown Orlando.

20. 2025-04-28
    price $33,450 765-char remark

    Show marketing remark (765 chars)

    Situated in the heart of Silver Springs Shores this oversize lot measures 82 by 150 feet. Located outside the flood zone, with no wetlands or protected species on site, this lot is shovel-ready and primed for development. Silver Spring Shores is located southeast of downtown Ocala and near I-75 and 441 for easy access to the Orlando suburbs. Ocala has plenty to do for nature lovers including natural springs, state forests, mudding and biking trails. Silver Spring Shores is exploding with development due to low housing prices and cheap land. Walmart and shops are just 10 minutes away. Silver Springs Shores, one of the largest artesian spring formations in the world, is just 10 minutes away. Just 20 minutes to downtown Ocala, and 1 hour to downtown Orlando.

21. 2025-03-28
    price $34,450 765-char remark

    Show marketing remark (765 chars)

    Situated in the heart of Silver Springs Shores this oversize lot measures 82 by 150 feet. Located outside the flood zone, with no wetlands or protected species on site, this lot is shovel-ready and primed for development. Silver Spring Shores is located southeast of downtown Ocala and near I-75 and 441 for easy access to the Orlando suburbs. Ocala has plenty to do for nature lovers including natural springs, state forests, mudding and biking trails. Silver Spring Shores is exploding with development due to low housing prices and cheap land. Walmart and shops are just 10 minutes away. Silver Springs Shores, one of the largest artesian spring formations in the world, is just 10 minutes away. Just 20 minutes to downtown Ocala, and 1 hour to downtown Orlando.

22. 2025-02-26
    listed $36,000 Active 765-char remark

    Show marketing remark (765 chars)

    Situated in the heart of Silver Springs Shores this oversize lot measures 82 by 150 feet. Located outside the flood zone, with no wetlands or protected species on site, this lot is shovel-ready and primed for development. Silver Spring Shores is located southeast of downtown Ocala and near I-75 and 441 for easy access to the Orlando suburbs. Ocala has plenty to do for nature lovers including natural springs, state forests, mudding and biking trails. Silver Spring Shores is exploding with development due to low housing prices and cheap land. Walmart and shops are just 10 minutes away. Silver Springs Shores, one of the largest artesian spring formations in the world, is just 10 minutes away. Just 20 minutes to downtown Ocala, and 1 hour to downtown Orlando.

23. 2025-02-19
    soldstatus $29,500
24. 2024-02-09
    historical
25. 2023-11-07
    listed $28,000 Active

ⓘ 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 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 21 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: $22,833
• − Mortgage interest: −$15,404
• − Property taxes: −$4,125
• − Insurance: −$1,375
• − Repairs & maintenance: −$1,827
• − Management: −$1,827
• − Depreciation: −$8,000
• Taxable loss: −$9,723
• Est. tax savings @ 24.0%: +$2,334
• After-tax cash flow: $-2,433/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

+882.1% since first listed

10 events — show timeline

• 2026-04-02 Listed $274,990 Stellar MLS as Distributed by MLS Grid
• 2025-08-05 Sold (MLS) $30,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-05-28 Price Changed $32,450 Stellar MLS as Distributed by MLS Grid
• 2025-04-28 Price Changed $33,450 Stellar MLS as Distributed by MLS Grid
• 2025-03-28 Price Changed $34,450 Stellar MLS as Distributed by MLS Grid
• 2025-02-26 Listed $36,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-19 Sold (Public Records) $29,500 Public Records
• 2024-02-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2023-11-07 Listed $28,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+6.8%/yr

Latest (2025): $232 · +5.7% YoY. Source: county tax records.