9662 SW 95th Ct Unit A · On Top of the World, FL 34481

$150,000

2 bd · 2.0 ba · 1,412 sqft · SingleFamily · 631 Days on market

55+ age-restricted Built 1998 Good condition 2,772 sqft lot $106/sqft · 9% below area Est $165k · 9% under $478/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 +11.5/15.0
• Cash flow +10.8/30.0
• 1% rule +5.3/10.0
• Schools +4.7/10.0
• Condition / age +3.8/5.0
• DSCR +2.9/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This is a lovely 2 Bedroom. 2 Bath split plan Corinth Model Villa in the Crescent Ridge area. It is located within the gated 55+ community of On Top Of The World. The home has great curb appeal with a welcoming Front Porch to enjoy Florida living. It is an end unit for additional privacy. The Entry hall Leads to the spacious great room. Kitchen with lots of cabinets and a breakfast nook. Large Master Suite with walk in closet. Master Bath with shower. 2nd bedroom is also large. Enclosed lanai for added enjoyment. HVAC replaced in 2017 and roof replaced in 2014. Residents enjoy the convenience of low maintenance living. The HOA provides lawn care including mowing and edging. Residents also enjoy the amenities of On Top Of The World, including Clubhouses and Pools, Fitness Centers, Tennis, pickleball with a wide variety of social clubs and activities. Don't miss seeing this nice Villa that shows well!

Key facts

• 2,772 sq ft lot
• Garage
• Community pool

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $150k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-251 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $114k (24.2% below list).
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $114k (24.2% below list) — sets the bar for cash-flow.
• Cap rate 4.3% vs local median 2.8% 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: 1762 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 51d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 33% 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 $1k 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 631 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y ago; this cycle's ask has dropped $24k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $77k; list at $150k implies a 95% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 30% of rent.

Recommended offer $113,751 (24.2% 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 631 days. Have you received any prior offers? Is the seller open to a 24% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.07% ✓
• Cap rate: 4.29%
• Cash-on-cash: -7.16%
• DSCR: 0.68
• GRM: 7.8

CMA / ARV

• ARV (median comp): $164,503
• List price: $150,000
• Delta: -8.82%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9632 SW 95th Ct Unit A	0.04mi	2/2.0	1,412 (0%)	2mo	$125,000	$89	97
9722 SW 95th Ct Unit C	0.07mi	2/2.0	1,412 (0%)	2mo	$153,000	$108	95
9721 SW 97th Ln	0.20mi	2/2.0	1,443 (+2%)	0mo	$152,000	$105	87
9886 SW 99th Loop	0.44mi	2/2.0	1,469 (+4%)	1mo	$280,000	$191	72
10018 SW 98th Ln	0.51mi	2/2.0	1,469 (+4%)	2mo	$260,000	$177	68
8889 SW 96th St Unit F	0.67mi	2/2.0	1,409 (-0%)	0mo	$145,000	$103	68
9440 SW 98th Ter	0.49mi	2/2.0	1,342 (-5%)	2mo	$223,900	$167	67
9660 SW 92nd Ct Unit C	0.23mi	2/2.0	1,215 (-14%)	2mo	$120,000	$99	64
9297 SW 90th Ct Unit C	0.72mi	2/2.0	1,369 (-3%)	2mo	$155,000	$113	60
9722 SW 102nd Ter	0.73mi	2/2.0	1,469 (+4%)	0mo	$270,000	$184	59
8990 SW 101st Ln	0.73mi	2/2.0	1,352 (-4%)	1mo	$173,500	$128	58
9270 SW 92nd Place Rd	0.58mi	2/2.0	1,618 (+15%)	2mo	$235,000	$145	47

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: -28.4%
• Equity multiple: 0.05×
• Total profit: $-39,943
• Equity at exit: $22,365

10-year hold

• IRR: -26.5%
• Equity multiple: -0.29×
• Total profit: $-54,035
• Equity at exit: $12,969

Cash invested: $42,000 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 108 active · 117 under contract
• Months of supply: 6.5 mo (15%/mo absorbed)
• Median asking: $187,000 ($133/sqft)
• Median days on market: 78 d
• This list price: 15% of active listings are priced below it
• ARV vs active asking: -12.7% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34481

• Home prices YoY: -25.2%
• Active inventory: 1762
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,600 high
• Mortgage (P&I): −$787
• Tax est. 1.5%: −$188 /mo · $2,250/yr
• Insurance: −$62
• HOA: −$478
• Vacancy / Maint / Mgmt: −$336
• Net cashflow: $-251

Break-even live

Break-even rent $1,917

Max offer price $113,751

Occupancy floor —

Sensitivity live

Price	-10% $-147	-5% $-199	+0% $-251	+5% $-302	+10% $-354
Rent	-10% $-377	-5% $-314	+0% $-251	+5% $-187	+10% $-124
Rate	-1.0pp $-175	-0.5pp $-212	base $-251	+0.5pp $-289	+1.0pp $-329

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: $37,500
• Closing costs: $4,500
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9662 SW 95th Ct Unit A Ocala, FL	2.0	2.0	1412	$1,600	$1.13	6d	1	0.04mi
9669 SW 94th Ave Unit C Ocala, FL	2.0	2.0	1215	$1,700	$1.40	29d	1	0.19mi
9758 SW 96th St Ocala, FL	2.0	2.0	1219	$1,400	$1.15	162d	1	0.20mi
9748 SW 97th St Ocala, FL	2.0	2.0	1105	$1,500	$1.36	162d	1	0.20mi
9794 SW 96th St Ocala, FL	2.0	2.0	1201	$1,700	$1.42	162d	1	0.24mi
9679 SW 99th Ave Ocala, FL	2.0	2.0	1567	$1,750	$1.12	51d	1	0.34mi
10041 SW 97th Ct Ocala, FL	3.0	2.0	1456	$1,500	$1.03	34d	1	0.40mi
10081 SW 95th Ave Ocala, FL	2.0	2.0	1040	$1,395	$1.34	162d	1	0.40mi
10081 SW 97th Ct Ocala, FL	2.0	1.0	992	$1,200	$1.21	154d	1	0.44mi
10081 SW 93rd Ct Ocala, FL	2.0	2.0	1100	$1,499	$1.36	10d	1	0.46mi
9289 SW 92nd Ln Ocala, FL	2.0	2.0	1600	$1,350	$0.84	162d	1	0.52mi
9760 SW 101st Ln Ocala, FL	2.0	2.0	1360	$1,500	$1.10	10d	1	0.55mi
10211 SW 93rd Ct Ocala, FL	3.0	2.0	1456	$1,295	$0.89	51d	1	0.57mi
10155 SW 100th Ave Ocala, FL	2.0	2.0	1040	$1,450	$1.39	10d	1	0.64mi
10285 SW 92nd Ct Ocala, FL	2.0	2.0	1144	$1,550	$1.35	10d	1	0.69mi
10285 SW 92nd Ct Ocala, FL	2.0	2.0	1144	$1,550	$1.35	22d	1	0.69mi
9020 SW 91st Ter Ocala, FL	3.0	2.0	1603	$1,800	$1.12	10d	1	0.70mi
9513 SW 92nd Place Rd Ocala, FL	2.0	2.0	1651	$2,000	$1.21	154d	1	0.70mi
9119 SW 99th Court Rd Ocala, FL	2.0	2.0	1504	$1,800	$1.20	10d	1	0.71mi
9075 SW 102nd Pl Ocala, FL	2.0	2.0	1008	$1,275	$1.26	162d	1	0.71mi
9013 SW 91st Cir Ocala, FL	2.0	2.0	1494	$1,900	$1.27	154d	1	0.73mi
10405 SW 99th Ave Ocala, FL	2.0	2.0	1040	$1,450	$1.39	162d	1	0.78mi
8830 SW 94th St Unit E Ocala, FL	2.0	2.0	1179	$1,600	$1.36	10d	1	0.79mi
8935 SW 102nd Pl Ocala, FL	2.0	2.0	1144	$1,500	$1.31	162d	1	0.82mi
10003 SW 90th Loop Ocala, FL	2.0	2.0	1665	$1,850	$1.11	51d	1	0.82mi
9015 SW 96th Ter Ocala, FL	3.0	2.0	1787	$2,850	$1.59	51d	1	0.82mi
8757 SW 97th Lane Rd Unit C Ocala, FL	2.0	2.0	1490	$1,600	$1.07	154d	1	0.84mi
8670 SW 97th St Unit A Ocala, FL	2.0	2.0	1341	$1,600	$1.19	162d	1	0.89mi
8851 SW 92nd Pl Unit C Ocala, FL	2.0	2.0	1463	$1,500	$1.03	10d	1	0.89mi
8671 SW 97th St Unit C Ocala, FL	2.0	2.0	1341	$1,474	$1.10	154d	1	0.89mi
8680 SW 94th Ln Unit G Ocala, FL	3.0	2.0	1409	$1,550	$1.10	162d	1	0.90mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	1d	1	0.91mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	162d	1	0.91mi
9075 SW 104th Ln Ocala, FL	2.0	2.0	1008	$1,300	$1.29	10d	1	0.91mi
9770 SW 92nd Place Rd Ocala, FL	2.0	2.0	1399	$1,750	$1.25	51d	1	0.91mi
8686 SW 97th Lane Rd Unit C Ocala, FL	2.0	2.0	1384	$1,600	$1.16	10d	1	0.92mi
8801 SW 92nd St Unit B Ocala, FL	2.0	2.0	1530	$1,550	$1.01	2d	1	0.93mi
9746 SW 89th Loop Ocala, FL	2.0	2.0	1660	$1,950	$1.17	162d	1	0.96mi
8666 SW 92nd Ln Unit F Ocala, FL	2.0	2.0	1748	$2,000	$1.14	162d	1	0.99mi
8665 SW 94th St Unit C Ocala, FL	2.0	2.0	1589	$1,600	$1.01	162d	1	1.03mi

HOA detail $478/mo · $5,736/yr

• Likely covers: landscapingpoolgymsecurity

Listing history 50 events

1. 2026-10-31
   days on market $150,000 Active 631 DOM
2. 2026-10-30
   days on market $150,000 Active 630 DOM
3. 2026-10-29
   days on market $150,000 Active 629 DOM
4. 2026-10-28
   days on market $150,000 Active 628 DOM
5. 2026-10-27
   days on market $150,000 Active 627 DOM
6. 2026-10-26
   days on market $150,000 Active 626 DOM
7. 2026-10-25
   days on market $150,000 Active 625 DOM
8. 2026-10-24
   days on market $150,000 Active 624 DOM
9. 2026-10-23
   days on market $150,000 Active 623 DOM
10. 2026-10-22
    days on market $150,000 Active 622 DOM
11. 2026-10-21
    days on market $150,000 Active 621 DOM
12. 2026-10-20
    days on market $150,000 Active 620 DOM
13. 2026-10-19
    days on market $150,000 Active 619 DOM
14. 2026-10-18
    days on market $150,000 Active 618 DOM
15. 2026-10-17
    days on market $150,000 Active 617 DOM
16. 2026-10-16
    days on market $150,000 Active 616 DOM
17. 2026-10-15
    pricedays on market $150,000 Active 615 DOM
18. 2026-10-14
    days on market $160,000 Active 614 DOM
19. 2026-10-13
    days on market $160,000 Active 613 DOM
20. 2026-10-12
    days on market $160,000 Active 612 DOM
21. 2026-10-11
    days on market $160,000 Active 611 DOM
22. 2026-10-10
    days on market $160,000 Active 610 DOM
23. 2026-10-09
    days on market $160,000 Active 609 DOM
24. 2026-10-08
    days on market $160,000 Active 608 DOM
25. 2026-10-07
    days on market $160,000 Active 607 DOM
26. 2026-10-07
    days on market $160,000 Active 606 DOM
27. 2026-10-05
    days on market $160,000 Active 605 DOM
28. 2026-10-04
    days on market $160,000 Active 604 DOM
29. 2026-10-03
    days on market $160,000 Active 603 DOM
30. 2026-10-02
    days on market $160,000 Active 602 DOM
31. 2026-10-01
    days on market $160,000 Active 601 DOM
32. 2026-09-30
    days on market $160,000 Active 600 DOM
33. 2026-09-27
    days on market $160,000 Active 597 DOM
34. 2026-09-26
    days on market $160,000 Active 596 DOM
35. 2026-09-25
    days on market $160,000 Active 595 DOM
36. 2026-09-24
    days on market $160,000 Active 594 DOM
37. 2026-09-24
    days on market $160,000 Active 593 DOM
38. 2026-09-21
    days on market $160,000 Active 591 DOM
39. 2026-09-20
    days on market $160,000 Active 590 DOM
40. 2026-09-18
    statusdays on market $160,000 Active 588 DOM
41. 2026-09-11
    statusdays on market $160,000 Pending 587 DOM
42. 2026-09-05
    days on market $160,000 Active 584 DOM
43. 2026-09-04
    days on market $160,000 Active 583 DOM
44. 2026-09-03
    days on market $160,000 Active 582 DOM
45. 2026-08-31
    days on market $160,000 Active 579 DOM
46. 2026-08-30
    days on market $160,000 Active 578 DOM
47. 2026-08-29
    days on market $160,000 Active 577 DOM
48. 2026-08-28
    days on market $160,000 Active 576 DOM
49. 2026-08-27
    days on market $160,000 Active 575 DOM
50. 2026-08-25
    days on market $160,000 Active 573 DOM

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

Taxation est. · year 1

• Rental income: $19,202
• − Mortgage interest: −$8,402
• − Property taxes: −$2,250
• − Insurance: −$750
• − Repairs & maintenance: −$1,536
• − Management: −$1,536
• − HOA: −$5,736
• − Depreciation: −$4,364
• Taxable loss: −$5,373
• Est. tax savings @ 24.0%: +$1,289
• After-tax cash flow: $-1,717/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 75/100 Cosmetic rehab Est. rehab $7,060–$21,180 screening

This home is in good condition with recent updates, including a new HVAC and roof. It's move-in ready with a good curb appeal and potential for further value through exterior painting and landscaping.

Value-add opportunities

• Resale Paint exterior — Enhances curb appeal ↑
• Resale Paint trim — Improves home's appearance ↑
• Both Replace outdoor lighting — Enhances curb appeal and safety ↑
• Both Upgrade landscaping — Enhances curb appeal and adds value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 46/100

Zoned Schools

Elementary Hammett Bowen Jr. Elementary School C+ FL #832/2,144 Nat'l #9,382/41,679 Middle Liberty Middle School F FL #360/571 Nat'l #5,872/14,009 High West Port High School F FL #255/667 Nat'l #7,439/17,239

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 · 365,905 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: 9% of renters

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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%

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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%
• Languages at home: 88% English-only · Spanish 9% French/Haitian/Cajun 1% German/W. Germanic 1%

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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

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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

+126.8% since first listed

6 events — show timeline

• 2026-05-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-04-29 Price Changed $169,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-27 Listed $174,500 Stellar MLS as Distributed by MLS Grid
• 2019-04-05 Sold (MLS) $77,000 Stellar MLS as Distributed by MLS Grid
• 2019-02-23 Listed $74,500 Stellar MLS as Distributed by MLS Grid