3725 NE 18th Ave · Ocala, FL 34479

$187,000

3 bd · 2.0 ba · 1,284 sqft · SingleFamily public records · 192 Days on market

Built 1985 0.26 ac lot $146/sqft · 19% below area Est $232k · 19% under

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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 +15.0/15.0
• Cash flow +13.8/30.0
• 1% rule +4.3/10.0
• DSCR +4.2/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

BACK ON MARKET! PROBATE ISSUES RESOLVED. 3/2/2 home on . 26 acre lot features a large living room, Spacious kitchen with Breakfast nook. Features tile in main living areas. Carpet in the bedrooms. Spacious Enclosed Florida Room. Private wood fenced backyard. Has a Carport and Garage for ample parking space. New Roof March 2026.Home has lots of potential and needs some TLC. It is priced accordingly. Located in a great neighborhood. Convenient to Shopping , Dining, Medical and 10 minutes from Downtown. It is being sold AS/IS with right to inspect. Seller willing to contribute towards Buyers Closing Costs.

Key facts

• Breakfast nook
• Spacious kitchen
• Carport

Tags

• LARGE LIVING ROOM
• SPACIOUS KITCHEN
• BREAKFAST NOOK
• ENCLOSED FLORIDA ROOM
• PRIVATE WOOD FENCED BACKYARD
• CARPORT

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $187k.

Deal economics

• At list price, monthly cash flow is $18 ($218/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 $175k (6.6% below list).
• Recommended offer: $165k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.4% vs local median 4.2% in Ocala — 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 69/100 on livability (#476 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute 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: 173 active listings in the ZIP; 10 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 39% of the median local income ($54k/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 $6k 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 192 days — a 12% lower offer ($165k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $32k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $74k; list at $187k implies a 153% 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $164,560 (12.0% below list)

Questions for the listing agent

1. It's been on market 192 days. Have you received any prior offers? Is the seller open to a 12% 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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. 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?
6. 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.
7. 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.
8. 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: 0.93% ✗
• Cap rate: 6.41%
• Cash-on-cash: 0.42%
• DSCR: 1.02
• GRM: 8.9

CMA / ARV

• ARV (median comp): $231,602
• List price: $187,000
• Delta: -19.26%
• 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
3601 NE 18th Ter	0.12mi	3/2.0	1,288 (+0%)	21mo	$200,000	$155	76
3745 NE 17th Ave	0.06mi	3/2.0	1,200 (-6%)	22mo	$225,000	$188	68
4056 NE 20th Ave	0.27mi	3/2.0	1,243 (-3%)	19mo	$250,000	$201	66
3881 NE 22nd Ct	0.44mi	3/2.0	1,408 (+10%)	4mo	$265,000	$188	60
3601 NE 24th Ct	0.59mi	3/2.0	1,308 (+2%)	12mo	$199,900	$153	59
2220 NE 41st St	0.50mi	3/2.0	1,204 (-6%)	17mo	$131,000	$109	52
2048 NE 45th St	0.57mi	3/2.0	1,370 (+7%)	21mo	$234,000	$171	44
1138 NE 31st St	0.72mi	3/2.0	1,144 (-11%)	16mo	$88,000	$77	34

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: -15.6%
• Equity multiple: 0.44×
• Total profit: $-29,077
• Equity at exit: $27,882

10-year hold

• IRR: -7.1%
• Equity multiple: 0.55×
• Total profit: $-23,550
• Equity at exit: $16,168

Cash invested: $52,360 (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 34479

• Home prices YoY: -31.0%
• Active inventory: 173
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,747 high
• Mortgage (P&I): −$981
• Tax from tax record: −$303 /mo · $3,638/yr
• Insurance: −$78
• HOA: −$0
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $18

Break-even live

Break-even rent $1,724

Max offer price $187,000

Occupancy floor 94%

Sensitivity live

Price	-10% $124	-5% $71	+0% $18	+5% $-35	+10% $-88
Rent	-10% $-120	-5% $-51	+0% $18	+5% $87	+10% $156
Rate	-1.0pp $112	-0.5pp $66	base $18	+0.5pp $-30	+1.0pp $-80

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: $46,750
• Closing costs: $5,610
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3219 NE 16th Ct Unit 3219 Ocala, FL	3.0	2.0	1200	$1,700	$1.42	14d	1	0.40mi
2122 NE 28th Pl Ocala, FL	3.0	2.0	1328	$2,100	$1.58	14d	1	0.69mi
2855 NE 20th Ter Ocala, FL	3.0	2.0	1504	$1,875	$1.25	14d	1	0.69mi
3656 NE 30th Ter Ocala, FL	4.0	2.5	1853	$2,150	$1.16	14d	1	1.15mi
2205 NE 14th Ave Ocala, FL	3.0	1.0	1020	$1,345	$1.32	22d	1	1.18mi
712 NE 26th St Ocala, FL	3.0	2.0	1105	$1,590	$1.44	22d	1	1.23mi
2190 NE 54th St Ocala, FL	3.0	2.0	1620	$1,450	$0.90	14d	1	1.24mi
708 NE 26th St Ocala, FL	3.0	2.0	1100	$1,600	$1.45	22d	1	1.24mi
1405 NE 55th St Ocala, FL	2.0	1.0	1032	$1,400	$1.36	22d	1	1.36mi
1838 NE 17th St Ocala, FL	2.0	1.0	1680	$1,200	$0.71	14d	1	1.48mi

Listing history 15 events

1. 2026-06-03
   remarks 650-char remark
2. 2026-06-03
   statusdays on market $187,000 Pending 192 DOM
3. 2026-06-02
   days on market $187,000 Active 191 DOM
4. 2026-05-31
   days on market $187,000 Active 189 DOM
5. 2026-05-30
   days on market $187,000 Active 188 DOM
6. 2026-05-13
   price $197,000 610-char remark

   Show marketing remark (610 chars)

   BACK ON MARKET! PROBATE ISSUES RESOLVED. 3/2/2 home on . 26 acre lot features a large living room, Spacious kitchen with Breakfast nook. Features tile in main living areas. Carpet in the bedrooms. Spacious Enclosed Florida Room. Private wood fenced backyard. Has a Carport and Garage for ample parking space. New Roof March 2026.Home has lots of potential and needs some TLC. It is priced accordingly. Located in a great neighborhood. Convenient to Shopping , Dining, Medical and 10 minutes from Downtown. It is being sold AS/IS with right to inspect. Seller willing to contribute towards Buyers Closing Costs.

7. 2026-04-17
   price $207,000 610-char remark

   Show marketing remark (610 chars)

   BACK ON MARKET! PROBATE ISSUES RESOLVED. 3/2/2 home on . 26 acre lot features a large living room, Spacious kitchen with Breakfast nook. Features tile in main living areas. Carpet in the bedrooms. Spacious Enclosed Florida Room. Private wood fenced backyard. Has a Carport and Garage for ample parking space. New Roof March 2026.Home has lots of potential and needs some TLC. It is priced accordingly. Located in a great neighborhood. Convenient to Shopping , Dining, Medical and 10 minutes from Downtown. It is being sold AS/IS with right to inspect. Seller willing to contribute towards Buyers Closing Costs.

8. 2026-04-17
   status Active 610-char remark

   Show marketing remark (610 chars)

   BACK ON MARKET! PROBATE ISSUES RESOLVED. 3/2/2 home on . 26 acre lot features a large living room, Spacious kitchen with Breakfast nook. Features tile in main living areas. Carpet in the bedrooms. Spacious Enclosed Florida Room. Private wood fenced backyard. Has a Carport and Garage for ample parking space. New Roof March 2026.Home has lots of potential and needs some TLC. It is priced accordingly. Located in a great neighborhood. Convenient to Shopping , Dining, Medical and 10 minutes from Downtown. It is being sold AS/IS with right to inspect. Seller willing to contribute towards Buyers Closing Costs.

9. 2025-12-22
   status Pending 610-char remark

   Show marketing remark (610 chars)

   BACK ON MARKET! PROBATE ISSUES RESOLVED. 3/2/2 home on . 26 acre lot features a large living room, Spacious kitchen with Breakfast nook. Features tile in main living areas. Carpet in the bedrooms. Spacious Enclosed Florida Room. Private wood fenced backyard. Has a Carport and Garage for ample parking space. New Roof March 2026.Home has lots of potential and needs some TLC. It is priced accordingly. Located in a great neighborhood. Convenient to Shopping , Dining, Medical and 10 minutes from Downtown. It is being sold AS/IS with right to inspect. Seller willing to contribute towards Buyers Closing Costs.

10. 2025-10-02
    price $199,900 610-char remark

    Show marketing remark (610 chars)

    BACK ON MARKET! PROBATE ISSUES RESOLVED. 3/2/2 home on . 26 acre lot features a large living room, Spacious kitchen with Breakfast nook. Features tile in main living areas. Carpet in the bedrooms. Spacious Enclosed Florida Room. Private wood fenced backyard. Has a Carport and Garage for ample parking space. New Roof March 2026.Home has lots of potential and needs some TLC. It is priced accordingly. Located in a great neighborhood. Convenient to Shopping , Dining, Medical and 10 minutes from Downtown. It is being sold AS/IS with right to inspect. Seller willing to contribute towards Buyers Closing Costs.

11. 2025-09-03
    price $207,500 610-char remark

    Show marketing remark (610 chars)

    BACK ON MARKET! PROBATE ISSUES RESOLVED. 3/2/2 home on . 26 acre lot features a large living room, Spacious kitchen with Breakfast nook. Features tile in main living areas. Carpet in the bedrooms. Spacious Enclosed Florida Room. Private wood fenced backyard. Has a Carport and Garage for ample parking space. New Roof March 2026.Home has lots of potential and needs some TLC. It is priced accordingly. Located in a great neighborhood. Convenient to Shopping , Dining, Medical and 10 minutes from Downtown. It is being sold AS/IS with right to inspect. Seller willing to contribute towards Buyers Closing Costs.

12. 2025-07-30
    listed $219,000 Active 610-char remark

    Show marketing remark (610 chars)

    BACK ON MARKET! PROBATE ISSUES RESOLVED. 3/2/2 home on . 26 acre lot features a large living room, Spacious kitchen with Breakfast nook. Features tile in main living areas. Carpet in the bedrooms. Spacious Enclosed Florida Room. Private wood fenced backyard. Has a Carport and Garage for ample parking space. New Roof March 2026.Home has lots of potential and needs some TLC. It is priced accordingly. Located in a great neighborhood. Convenient to Shopping , Dining, Medical and 10 minutes from Downtown. It is being sold AS/IS with right to inspect. Seller willing to contribute towards Buyers Closing Costs.

13. 2001-05-16
    soldstatus $74,000
14. 1989-11-01
    soldstatus $59,526
15. 1988-09-01
    soldstatus $53,500

ⓘ 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: $3,638 · $303/mo
• Projected year-2 tax: $3,638 · $303/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 3/10 Moderate
• 🌡 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 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,961
• − Mortgage interest: −$10,475
• − Property taxes: −$3,638
• − Insurance: −$935
• − Repairs & maintenance: −$1,677
• − Management: −$1,677
• − Depreciation: −$5,440
• Taxable loss: −$2,881
• Est. tax savings @ 24.0%: +$691
• After-tax cash flow: $909/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 — Ocala

• Score: 69/100
• State rank: #476
• US rank: #8461

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 13,264
• Household income: $54,283
• Rent vs Own: 25.6% rent · 74.4% own
• Severe rent burden: 664.0

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 (66%)
• Race & ethnicity: White 66% Hispanic / Latino 15% Black 14% Two or more races 9%
• Hispanic origin (detail): Mexican 5% Puerto Rican 6% Cuban 2%
• Common ancestry: Lithuanian 2% Italian 2% Estonian 1%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 87% English-only · Spanish 11% 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: ▼ -111.70%
• Current HPI: 248.7063
• 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

+268.2% since first listed

10 events — show timeline

• 2026-05-13 Price Changed $197,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-17 Price Changed $207,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-17 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-12-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-02 Price Changed $199,900 Stellar MLS as Distributed by MLS Grid
• 2025-09-03 Price Changed $207,500 Stellar MLS as Distributed by MLS Grid
• 2025-07-30 Listed $219,000 Stellar MLS as Distributed by MLS Grid
• 2001-05-16 Sold (Public Records) $74,000 Public Records
• 1989-11-01 Sold (Public Records) $59,526 Public Records
• 1988-09-01 Sold (Public Records) $53,500 Public Records

Property tax history

+26.8%/yr

Latest (2025): $3,638 · +1105.1% YoY. Source: county tax records.