9951 SW 88th Court Rd Unit G · On Top of the World, FL 34481

$139,900

2 bd · 2.5 ba · 1,700 sqft · Condo public records · 159 Days on market

Built 1982 $82/sqft · 14% below area Est $162k · 14% under $493/mo HOA · 30% of rent

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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).

• ARV discount +13.6/15.0
• Cash flow +7.7/30.0
• 1% rule +6.7/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully refreshed 2-bedroom, 2.5-bath townhouse located in the charming Americana Village, known for its vintage European-inspired setting. Thoughtful cosmetic updates throughout provide a fresh, updated look while preserving the character that makes this community so admired. The inviting floor plan features a cozy living area with a fireplace, creating a warm connection between the family room and kitchen, ideal for everyday living or relaxing evenings at home. Each bedroom offers its own private bath, with an additional half bath conveniently located on the main level. Enjoy a peaceful lifestyle surrounded by manicured grounds, including a gazebo nestled within a park-like setting—perfect for enjoying Florida’s beautiful weather. This townhome offers easy access by golf cart to nearby shopping, dining, and community conveniences. Residents also enjoy access to a wide range of amenities designed to support an active, engaging lifestyle. A wonderful opportunity to own a low-maintenance home in a quiet, well-established community with timeless appeal.

Key facts

• Private bath
• Gazebo
• Cozy living area

Tags

• COZY LIVING AREA
• FIREPLACE
• PRIVATE BATH
• MANICURED GROUNDS
• GAZEBO
• PARK-LIKE SETTING

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath condo listed at $140k.

Deal economics

• At list price, monthly cash flow is $-164 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $111k (20.6% below list).
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $111k (20.6% below list) — sets the bar for cash-flow.
• Cap rate 4.9% vs local median 2.9% in On Top of the World — 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 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: Hammett Bowen Jr. Elementary School (math 56% / reading 56%, grade C+, #832 of 2,144 statewide, top 40%, 867 students, 54% FRL); Liberty Middle School (math 40% / reading 41%, grade F, #360 of 571 statewide, top 64%, 1,365 students, 54% FRL); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL).
• Market conditions: 1161 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 34% of the median local income ($57k/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 $967 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.

Negotiation context

• It's been on market 159 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 13y 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 $112k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 30% of rent.

Recommended offer $111,013 (20.6% 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 159 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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.
9. 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.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.17% ✓
• Cap rate: 4.89%
• Cash-on-cash: -5.01%
• DSCR: 0.78
• GRM: 7.1

CMA / ARV

• ARV (median comp): $161,947
• List price: $139,900
• Delta: -13.61%
• Verdict: UNDERPRICED
• Comps: 13 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -24.5%
• Equity multiple: 0.16×
• Total profit: $-32,761
• Equity at exit: $20,860

10-year hold

• IRR: -19.1%
• Equity multiple: -0.04×
• Total profit: $-40,625
• Equity at exit: $12,096

Cash invested: $39,172 (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 34481

• Home prices YoY: -25.2%
• Active inventory: 1161
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,633 high
• Mortgage (P&I): −$734
• Tax from tax record: −$168 /mo · $2,019/yr
• Insurance: −$58
• HOA: −$493
• Vacancy / Maint / Mgmt: −$343
• Net cashflow: $-164

Break-even live

Break-even rent $1,840

Max offer price $111,013

Occupancy floor —

Sensitivity live

Price	-10% $-84	-5% $-124	+0% $-164	+5% $-203	+10% $-243
Rent	-10% $-292	-5% $-228	+0% $-164	+5% $-99	+10% $-35
Rate	-1.0pp $-93	-0.5pp $-128	base $-164	+0.5pp $-200	+1.0pp $-237

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 34 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8757 SW 97th Lane Rd Unit C Ocala, FL	2.0	2.0	1490	$1,600	$1.07	15d	1	0.10mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	23d	1	0.22mi
8670 SW 97th St Unit A Ocala, FL	2.0	2.0	1341	$1,600	$1.19	23d	1	0.23mi
8671 SW 97th St Unit C Ocala, FL	2.0	2.0	1341	$1,474	$1.10	15d	1	0.26mi
8935 SW 102nd Pl Ocala, FL	2.0	2.0	1144	$1,500	$1.31	23d	1	0.33mi
8680 SW 94th Ln Unit G Ocala, FL	3.0	2.0	1409	$1,550	$1.10	23d	1	0.42mi
8665 SW 94th St Unit C Ocala, FL	2.0	2.0	1589	$1,600	$1.01	23d	1	0.54mi
10211 SW 93rd Ct Ocala, FL	3.0	2.0	1456	$1,495	$1.03	23d	1	0.59mi
8666 SW 92nd Ln Unit F Ocala, FL	2.0	2.0	1748	$2,000	$1.14	23d	1	0.61mi
10441 SW 85th Ct Ocala, FL	2.0	2.0	1090	$1,495	$1.37	23d	1	0.63mi
9289 SW 92nd Ln Ocala, FL	2.0	2.0	1600	$1,350	$0.84	23d	1	0.77mi
9013 SW 91st Cir Ocala, FL	2.0	2.0	1494	$1,900	$1.27	15d	1	0.81mi
9257 SW 82nd Ter Unit H Ocala, FL	2.0	2.0	1748	$1,600	$0.92	23d	1	0.88mi
8430 SW 90th Ln Unit D Ocala, FL	2.0	2.0	1454	$1,600	$1.10	23d	1	0.90mi
8431 SW 90th Ln Ocala, FL	2.0	2.0	1366	$1,395	$1.02	23d	1	0.93mi
9748 SW 97th St Ocala, FL	2.0	2.0	1105	$1,500	$1.36	23d	1	0.93mi
9758 SW 96th St Ocala, FL	2.0	2.0	1219	$1,400	$1.15	23d	1	0.95mi
9760 SW 101st Ln Ocala, FL	2.0	2.0	1360	$1,500	$1.10	23d	1	0.98mi
9794 SW 96th St Ocala, FL	2.0	2.0	1201	$1,700	$1.42	23d	1	0.99mi
9791 SW 96th St Ocala, FL	2.0	2.0	1906	$1,800	$0.94	23d	1	0.99mi
8744 SW 108th Lane Rd Ocala, FL	3.0	2.0	1614	$2,200	$1.36	23d	1	1.04mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,750	$0.97	15d	1	1.06mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,795	$0.99	23d	1	1.07mi
9513 SW 92nd Place Rd Ocala, FL	2.0	2.0	1651	$2,000	$1.21	15d	1	1.10mi
9201 SW 108th Pl Ocala, FL	2.0	2.0	1170	$1,475	$1.26	23d	15	1.11mi
8947 SW 108th Pl Ocala, FL	2.0	2.0	1096	$1,500	$1.37	23d	1	1.13mi
8669 SW 108th Ln Ocala, FL	2.0	1.0	1152	$1,250	$1.09	23d	1	1.20mi
10819 SW 83rd Ct Ocala, FL	3.0	2.0	1601	$1,495	$0.93	23d	1	1.23mi
8130 SW 108th Street Rd Ocala, FL	2.0	2.0	1084	$1,975	$1.82	23d	1	1.33mi
10061 SW 74th Ter Ocala, FL	3.0	2.0	1894	$1,995	$1.05	15d	1	1.35mi
9119 SW 99th Court Rd Ocala, FL	2.0	2.0	1504	$1,900	$1.26	23d	1	1.38mi
8701 SW 83rd Cir Ocala, FL	3.0	2.0	1726	$2,200	$1.27	15d	1	1.41mi
9770 SW 92nd Place Rd Ocala, FL	2.0	2.0	1399	$2,200	$1.57	23d	1	1.43mi
9746 SW 89th Loop Ocala, FL	2.0	2.0	1660	$1,950	$1.17	23d	1	1.49mi

HOA detail condo

• Monthly dues: $493 · $5,916/yr
• Likely covers: landscaping
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 41 events

1. 2026-06-22
   days on market $139,900 Active 159 DOM
2. 2026-06-18
   days on market $139,900 Active 156 DOM
3. 2026-06-17
   days on market $139,900 Active 155 DOM
4. 2026-06-16
   days on market $139,900 Active 154 DOM
5. 2026-06-15
   days on market $139,900 Active 153 DOM
6. 2026-06-14
   days on market $139,900 Active 151 DOM
7. 2026-06-13
   days on market $139,900 Active 150 DOM
8. 2026-06-10
   days on market $139,900 Active 148 DOM
9. 2026-06-09
   days on market $139,900 Active 147 DOM
10. 2026-06-08
    days on market $139,900 Active 146 DOM
11. 2026-06-07
    days on market $139,900 Active 145 DOM
12. 2026-06-03
    days on market $139,900 Active 141 DOM
13. 2026-06-02
    days on market $139,900 Active 140 DOM
14. 2026-05-31
    days on market $139,900 Active 138 DOM
15. 2026-05-30
    days on market $139,900 Active 137 DOM
16. 2026-01-13
    listed $139,900 Active 1099-char remark

    Show marketing remark (1099 chars)

    Welcome to this beautifully refreshed 2-bedroom, 2.5-bath townhouse located in the charming Americana Village, known for its vintage European-inspired setting. Thoughtful cosmetic updates throughout provide a fresh, updated look while preserving the character that makes this community so admired. The inviting floor plan features a cozy living area with a fireplace, creating a warm connection between the family room and kitchen, ideal for everyday living or relaxing evenings at home. Each bedroom offers its own private bath, with an additional half bath conveniently located on the main level. Enjoy a peaceful lifestyle surrounded by manicured grounds, including a gazebo nestled within a park-like setting—perfect for enjoying Florida’s beautiful weather. This townhome offers easy access by golf cart to nearby shopping, dining, and community conveniences. Residents also enjoy access to a wide range of amenities designed to support an active, engaging lifestyle. A wonderful opportunity to own a low-maintenance home in a quiet, well-established community with timeless appeal.

17. 2025-02-24
    soldstatus $112,000
18. 2025-02-19
    soldstatus $112,000 Closed 1059-char remark

    Show marketing remark (1059 chars)

    How have you missed this? By far the best bang-for-your-buck in OTOW! Check out the price vs the square footage - you probably won't find anything cheaper. Not only does this unit have a NEW HVAC, newer water heater, NEW luxury vinyl plank FLOORING throughout, and new paint. EACH BEDROOM HAS ITS OWN BATHROOM AND there is a half bath for guests. PLUS - it is in Ocala's premier Adult Living Community, On Top Of The World. Every penny of the HOA is worth it - living here means YOU WILL NEVER HAVE TO MOW YOUR LAWN AGAIN. Instead you can get out in your golfcart and enjoy THREE 18-hole GOLF COURSES (two of which are private), an archery range, EIGHT POOLS, a SPA, pickleball, an AIRPORT for remote controlled airplanes, RESTAURANTS, BARS, billiards, bocce ball, dog parks, craft rooms, GYMS, hot tubs, RC car track, RV and boat storage, softball, tennis, woodworking- and that's not even the end of the list, but we only have so much space to write here. There is a GUARD at the gate 24/7 to keep you safe. You'll love living here, come see for yourself!

19. 2024-12-31
    status Pending 1059-char remark

    Show marketing remark (1059 chars)

    How have you missed this? By far the best bang-for-your-buck in OTOW! Check out the price vs the square footage - you probably won't find anything cheaper. Not only does this unit have a NEW HVAC, newer water heater, NEW luxury vinyl plank FLOORING throughout, and new paint. EACH BEDROOM HAS ITS OWN BATHROOM AND there is a half bath for guests. PLUS - it is in Ocala's premier Adult Living Community, On Top Of The World. Every penny of the HOA is worth it - living here means YOU WILL NEVER HAVE TO MOW YOUR LAWN AGAIN. Instead you can get out in your golfcart and enjoy THREE 18-hole GOLF COURSES (two of which are private), an archery range, EIGHT POOLS, a SPA, pickleball, an AIRPORT for remote controlled airplanes, RESTAURANTS, BARS, billiards, bocce ball, dog parks, craft rooms, GYMS, hot tubs, RC car track, RV and boat storage, softball, tennis, woodworking- and that's not even the end of the list, but we only have so much space to write here. There is a GUARD at the gate 24/7 to keep you safe. You'll love living here, come see for yourself!

20. 2024-12-03
    status Active 1059-char remark

    Show marketing remark (1059 chars)

    How have you missed this? By far the best bang-for-your-buck in OTOW! Check out the price vs the square footage - you probably won't find anything cheaper. Not only does this unit have a NEW HVAC, newer water heater, NEW luxury vinyl plank FLOORING throughout, and new paint. EACH BEDROOM HAS ITS OWN BATHROOM AND there is a half bath for guests. PLUS - it is in Ocala's premier Adult Living Community, On Top Of The World. Every penny of the HOA is worth it - living here means YOU WILL NEVER HAVE TO MOW YOUR LAWN AGAIN. Instead you can get out in your golfcart and enjoy THREE 18-hole GOLF COURSES (two of which are private), an archery range, EIGHT POOLS, a SPA, pickleball, an AIRPORT for remote controlled airplanes, RESTAURANTS, BARS, billiards, bocce ball, dog parks, craft rooms, GYMS, hot tubs, RC car track, RV and boat storage, softball, tennis, woodworking- and that's not even the end of the list, but we only have so much space to write here. There is a GUARD at the gate 24/7 to keep you safe. You'll love living here, come see for yourself!

21. 2024-11-09
    status Pending 1059-char remark

    Show marketing remark (1059 chars)

    How have you missed this? By far the best bang-for-your-buck in OTOW! Check out the price vs the square footage - you probably won't find anything cheaper. Not only does this unit have a NEW HVAC, newer water heater, NEW luxury vinyl plank FLOORING throughout, and new paint. EACH BEDROOM HAS ITS OWN BATHROOM AND there is a half bath for guests. PLUS - it is in Ocala's premier Adult Living Community, On Top Of The World. Every penny of the HOA is worth it - living here means YOU WILL NEVER HAVE TO MOW YOUR LAWN AGAIN. Instead you can get out in your golfcart and enjoy THREE 18-hole GOLF COURSES (two of which are private), an archery range, EIGHT POOLS, a SPA, pickleball, an AIRPORT for remote controlled airplanes, RESTAURANTS, BARS, billiards, bocce ball, dog parks, craft rooms, GYMS, hot tubs, RC car track, RV and boat storage, softball, tennis, woodworking- and that's not even the end of the list, but we only have so much space to write here. There is a GUARD at the gate 24/7 to keep you safe. You'll love living here, come see for yourself!

22. 2024-10-17
    price $123,000 1059-char remark

    Show marketing remark (1059 chars)

    How have you missed this? By far the best bang-for-your-buck in OTOW! Check out the price vs the square footage - you probably won't find anything cheaper. Not only does this unit have a NEW HVAC, newer water heater, NEW luxury vinyl plank FLOORING throughout, and new paint. EACH BEDROOM HAS ITS OWN BATHROOM AND there is a half bath for guests. PLUS - it is in Ocala's premier Adult Living Community, On Top Of The World. Every penny of the HOA is worth it - living here means YOU WILL NEVER HAVE TO MOW YOUR LAWN AGAIN. Instead you can get out in your golfcart and enjoy THREE 18-hole GOLF COURSES (two of which are private), an archery range, EIGHT POOLS, a SPA, pickleball, an AIRPORT for remote controlled airplanes, RESTAURANTS, BARS, billiards, bocce ball, dog parks, craft rooms, GYMS, hot tubs, RC car track, RV and boat storage, softball, tennis, woodworking- and that's not even the end of the list, but we only have so much space to write here. There is a GUARD at the gate 24/7 to keep you safe. You'll love living here, come see for yourself!

23. 2024-09-14
    price $125,000 1059-char remark

    Show marketing remark (1059 chars)

    How have you missed this? By far the best bang-for-your-buck in OTOW! Check out the price vs the square footage - you probably won't find anything cheaper. Not only does this unit have a NEW HVAC, newer water heater, NEW luxury vinyl plank FLOORING throughout, and new paint. EACH BEDROOM HAS ITS OWN BATHROOM AND there is a half bath for guests. PLUS - it is in Ocala's premier Adult Living Community, On Top Of The World. Every penny of the HOA is worth it - living here means YOU WILL NEVER HAVE TO MOW YOUR LAWN AGAIN. Instead you can get out in your golfcart and enjoy THREE 18-hole GOLF COURSES (two of which are private), an archery range, EIGHT POOLS, a SPA, pickleball, an AIRPORT for remote controlled airplanes, RESTAURANTS, BARS, billiards, bocce ball, dog parks, craft rooms, GYMS, hot tubs, RC car track, RV and boat storage, softball, tennis, woodworking- and that's not even the end of the list, but we only have so much space to write here. There is a GUARD at the gate 24/7 to keep you safe. You'll love living here, come see for yourself!

24. 2024-09-03
    price $135,000 1059-char remark

    Show marketing remark (1059 chars)

    How have you missed this? By far the best bang-for-your-buck in OTOW! Check out the price vs the square footage - you probably won't find anything cheaper. Not only does this unit have a NEW HVAC, newer water heater, NEW luxury vinyl plank FLOORING throughout, and new paint. EACH BEDROOM HAS ITS OWN BATHROOM AND there is a half bath for guests. PLUS - it is in Ocala's premier Adult Living Community, On Top Of The World. Every penny of the HOA is worth it - living here means YOU WILL NEVER HAVE TO MOW YOUR LAWN AGAIN. Instead you can get out in your golfcart and enjoy THREE 18-hole GOLF COURSES (two of which are private), an archery range, EIGHT POOLS, a SPA, pickleball, an AIRPORT for remote controlled airplanes, RESTAURANTS, BARS, billiards, bocce ball, dog parks, craft rooms, GYMS, hot tubs, RC car track, RV and boat storage, softball, tennis, woodworking- and that's not even the end of the list, but we only have so much space to write here. There is a GUARD at the gate 24/7 to keep you safe. You'll love living here, come see for yourself!

25. 2024-08-09
    listed $142,000 Active 1059-char remark

    Show marketing remark (1059 chars)

    How have you missed this? By far the best bang-for-your-buck in OTOW! Check out the price vs the square footage - you probably won't find anything cheaper. Not only does this unit have a NEW HVAC, newer water heater, NEW luxury vinyl plank FLOORING throughout, and new paint. EACH BEDROOM HAS ITS OWN BATHROOM AND there is a half bath for guests. PLUS - it is in Ocala's premier Adult Living Community, On Top Of The World. Every penny of the HOA is worth it - living here means YOU WILL NEVER HAVE TO MOW YOUR LAWN AGAIN. Instead you can get out in your golfcart and enjoy THREE 18-hole GOLF COURSES (two of which are private), an archery range, EIGHT POOLS, a SPA, pickleball, an AIRPORT for remote controlled airplanes, RESTAURANTS, BARS, billiards, bocce ball, dog parks, craft rooms, GYMS, hot tubs, RC car track, RV and boat storage, softball, tennis, woodworking- and that's not even the end of the list, but we only have so much space to write here. There is a GUARD at the gate 24/7 to keep you safe. You'll love living here, come see for yourself!

26. 2024-07-31
    historical
27. 2024-07-10
    price $145,000
28. 2024-06-24
    price $156,000
29. 2024-03-26
    price $159,500
30. 2024-03-02
    price $168,500
31. 2024-01-10
    price $179,500
32. 2023-11-20
    listed $185,000 Active
33. 2021-07-30
    soldstatus $125,000 Closed
34. 2021-06-28
    status Pending
35. 2021-06-22
    status Active
36. 2021-06-17
    status Pending
37. 2021-05-25
    price $130,000
38. 2021-04-26
    listed $135,000 Active
39. 2016-05-16
    soldstatus $25,000
40. 2014-03-04
    historical
41. 2013-09-16
    listed $38,080

ⓘ 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: $2,019 · $168/mo
• Projected year-2 tax: $2,019 · $168/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Taxation est. · year 1

• Rental income: $19,590
• − Mortgage interest: −$7,837
• − Property taxes: −$2,019
• − Insurance: −$700
• − Repairs & maintenance: −$1,567
• − Management: −$1,567
• − HOA: −$5,916
• − Depreciation: −$4,070
• Taxable loss: −$4,085
• Est. tax savings @ 24.0%: +$980
• After-tax cash flow: $-982/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 — On Top of the World

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

Census & demographics

• Census place: On Top of the World, FL
• County: Marion County · 315,796 people
• City population: 25,668
• Metro: Ocala, FL
• Population (ZIP): 26,782
• Household income: $57,324
• Rent vs Own: 9.8% rent · 90.2% own
• Severe rent burden: 313.0

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 (80%)
• Race & ethnicity: White 80% Hispanic / Latino 11% Black 7% Two or more races 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Jamaica
• Languages at home: 88% English-only · Spanish 9% French/Haitian/Cajun 1% German/W. Germanic 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: ▼ -67.48%
• Current HPI: 199.986
• 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

+267.4% since first listed

26 events — show timeline

• 2026-01-13 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 2025-02-24 Sold (Public Records) $112,000 Public Records
• 2025-02-19 Sold (MLS) $112,000 Stellar MLS as Distributed by MLS Grid
• 2024-12-31 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-12-03 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-11-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-10-17 Price Changed $123,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-14 Price Changed $125,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-03 Price Changed $135,000 Stellar MLS as Distributed by MLS Grid
• 2024-08-09 Listed $142,000 Stellar MLS as Distributed by MLS Grid
• 2024-07-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-07-10 Price Changed $145,000 Stellar MLS as Distributed by MLS Grid
• 2024-06-24 Price Changed $156,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-26 Price Changed $159,500 Stellar MLS as Distributed by MLS Grid
• 2024-03-02 Price Changed $168,500 Stellar MLS as Distributed by MLS Grid
• 2024-01-10 Price Changed $179,500 Stellar MLS as Distributed by MLS Grid
• 2023-11-20 Listed $185,000 Stellar MLS as Distributed by MLS Grid
• 2021-07-30 Sold (MLS) $125,000 Stellar MLS as Distributed by MLS Grid
• 2021-06-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-06-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-06-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-05-25 Price Changed $130,000 Stellar MLS as Distributed by MLS Grid
• 2021-04-26 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 2016-05-16 Sold (Public Records) $25,000 Public Records
• 2014-03-04 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-09-16 Listed $38,080 Stellar MLS as Distributed by MLS Grid

Property tax history

+9.3%/yr

Latest (2025): $2,019 · +13.6% YoY. Source: county tax records.