10495 SE 130th Ln · Ocklawaha, FL 32179

$129,000

2 bd · 2.0 ba · 997 sqft · Manufactured public records · 1 Days on market

Built 1981 0.28 ac lot Est $120k · 8% over

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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 +29.2/30.0
• DSCR +10.0/10.0
• 1% rule +7.1/10.0
• ARV discount +4.0/15.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Hidden GEM! Great location just a short drive to The Villages, Belleview, or Ocala. Nice home on a corner lot, close to Lake Weir. Fully fenced with a beautifully landscaped yard that has a relaxing cabana area - PERFECT for entertaining this summer! 2 sheds for extra storage or a workshop. Metal roof. Inside the home the living room leads to a spacious nearly 200 Sf enclosed FL room, kitchen, and dining room with a built in hutch. Inside laundry room. Updated wood laminate flooring throughout. Covered front porch. Detached 2 car carport. Close to HWY 441 for easy commuting. Schedule a private tour and make an offer today! You won't be disappointed. Don't let the Sq footage fool you, the home is more spacious than it sounds!

Key facts

• Fully gated lot
• 2021 a/c unit
• 2022 new meter panel

Tags

• FULLY GATED LOT
• 2021 A/C UNIT
• 2022 NEW METER PANEL
• ENCLOSED PATIO
• DEDICATED LAUNDRY ROOM

Property features AI

Finance

• Other: Homestead exempt; Zoning: R4; Unfurnished; Directions available
• HOA & community: No HOA; Street lights in the community; Pets allowed

Exterior

• Parking: Carport with 2 spaces
• Utilities: Well water; Septic tank; Electricity connected; Water connected; Sewer connected; Cable connected
• Home design: Manufactured home (double wide); One story; Faces south; Pillar/post/pier foundation
• Construction: Metal siding; Metal roof; Built as double wide manufactured home
• Exterior features: Awning(s); Storage; Chain link fencing; Asphalt road access; Lot approximately 0.28 acres (100 x 121)

Interior

• Kitchen: Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile; Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Solid wood cabinets; Thermostat; Walk-in closet(s); Window treatments
• Laundry & utility: Washer; Dryer; Inside laundry room; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $129k.

Deal economics

• At list price, monthly cash flow is $448 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $129k).
• Cap rate 10.5% vs local median 5.1% in Ocklawaha — 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: area grade C — 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.
• Market conditions: 426 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 40% of the median local income ($47k/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 $892 of loan paydown is wiped out by about $4k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 9y 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 $61k; list at $129k implies a 111% 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; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $129,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.21% ✓
• Cap rate: 10.46%
• Cash-on-cash: 14.90%
• DSCR: 1.66
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $119,640
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10752 SE 128th St	0.34mi	3/1.0 (+1)	1,042 (+4%)	1mo	$67,000	$64	67
10805 SE 128th Ln	0.37mi	3/2.0 (+1)	1,080 (+8%)	8mo	$130,000	$120	58
10063 SE 126th Ln	0.61mi	3/2.0 (+1)	920 (-8%)	3mo	$138,000	$150	51

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: 5.4%
• Equity multiple: 1.21×
• Total profit: $7,613
• Equity at exit: $19,234

10-year hold

• IRR: 14.8%
• Equity multiple: 2.20×
• Total profit: $43,239
• Equity at exit: $11,154

Cash invested: $36,120 (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: 426
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,566 medium
• Mortgage (P&I): −$676
• Tax from tax record: −$58 /mo · $702/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$329
• Net cashflow: $448

Break-even live

Break-even rent $998

Max offer price $129,000

Occupancy floor 66%

Sensitivity live

Price	-10% $521	-5% $485	+0% $448	+5% $412	+10% $375
Rent	-10% $325	-5% $387	+0% $448	+5% $510	+10% $572
Rate	-1.0pp $513	-0.5pp $481	base $448	+0.5pp $415	+1.0pp $381

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: $32,250
• Closing costs: $3,870
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11595 SE 129th Pl Ocklawaha, FL	3.0	2.0	1056	$1,700	$1.61	21d	1	1.11mi
11709 SE 99th Ct Belleview, FL	2.0	1.0	720	$1,195	$1.66	14d	1	1.49mi

Listing history 2 events

1. 2026-06-17
   remarks 685-char remark
2. 2026-06-17
   listed $129,000 Active 1 DOM

ⓘ 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: $702 · $58/mo
• Projected year-2 tax: $1,071 · $89/mo
• Expected delta: +$369/yr (+$31/mo · 52.6%)

ⓘ 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) · 69% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,791
• − Mortgage interest: −$7,226
• − Property taxes: −$702
• − Insurance: −$645
• − Repairs & maintenance: −$1,503
• − Management: −$1,503
• − Depreciation: −$3,753
• Taxable income: $3,459
• Est. tax owed @ 24.0%: −$830
• After-tax cash flow: $4,550/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 — Ocklawaha

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

Census & demographics

• County: Marion County · 315,796 people
• City population: 9,318
• 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

+1742.9% since first listed

13 events — show timeline

• 2026-06-17 Listed $129,000 Stellar MLS as Distributed by MLS Grid
• 2018-08-17 Sold (Public Records) $61,000 Public Records
• 2018-08-13 Sold (MLS) $61,000 Stellar MLS as Distributed by MLS Grid
• 2018-06-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-03-15 Listed $64,900 Stellar MLS as Distributed by MLS Grid
• 2018-03-15 Listed $64,900 Stellar MLS as Distributed by MLS Grid
• 2017-10-09 Sold (Public Records) $46,000 Public Records
• 2017-10-03 Sold (MLS) $46,000 Stellar MLS as Distributed by MLS Grid
• 2017-10-03 Sold (MLS) $46,000 Stellar MLS as Distributed by MLS Grid
• 2017-07-25 Listed $47,000 Stellar MLS as Distributed by MLS Grid
• 2017-07-25 Listed $47,000 Stellar MLS as Distributed by MLS Grid
• 2001-07-05 Sold (Public Records) $32,000 Public Records
• 1985-05-01 Sold (Public Records) $7,000 Public Records

Property tax history

+9.2%/yr

Latest (2025): $702 · +47.2% YoY. Source: county tax records.