6115 NW 52nd Street Rd · Ocala, FL 34482

$229,000

3 bd · 2.0 ba · 1,266 sqft · SingleFamily public records · 15 Days on market

Built 2006 10,454 sqft lot $181/sqft · at area comps Est $228k · at est.

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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 +25.0/30.0
• DSCR +8.2/10.0
• ARV discount +7.2/15.0
• 1% rule +5.6/10.0
• Rent growth +5.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. New 2025 roof and 2020 AC on this 3-bedroom, 2-bathroom split floor plan home on 0.24 acres in northwest Ocala. LVP flooring runs throughout the entire 1,266 sq ft open layout — no carpet anywhere. The split bedroom design places the primary suite separate from the two additional bedrooms, and the 1-car garage adds covered parking and extra storage. A whole-home water softener system is included. No HOA fees and no CDD assessments keep monthly costs low. Located approximately 2.5 mi from Publix on NW Blitchton Rd, 3.0 mi from the World Equestrian Center, and under 3 mi to I-75 via Hwy 40 — positioned close to northwest Ocala's dining, shop

Key facts

• Split floor plan
• No hoa fees
• Lvp flooring

Tags

• NEW ROOF
• NEW AC
• LVP FLOORING
• SPLIT FLOOR PLAN
• WHOLE-HOME WATER SOFTENER
• NO HOA FEES

Property features AI

Finance

• Other: Lot approximately 0.24 acre (75 x 140), paved road access; Zoned R1; One well and one septic on property
• HOA & community: No HOA/association

Exterior

• Parking: Attached garage (1 car)
• Utilities: Well water; Septic tank; Electricity connected; Water connected; Sewer connected; Broadband/high-speed internet available
• Home design: Single family residence; Residential property; One-story home; Faces southwest; Homestead exempt
• Construction: Concrete and stucco construction; Shingle roof; Slab foundation; Built with approximately 1,266 living area (public records)
• Exterior features: Private mailbox; Other exterior features

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Open floorplan; Split bedroom layout; 5 total rooms
• Laundry & utility: Laundry area in garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $229k.

Deal economics

• At list price, monthly cash flow is $499 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $229k).
• Recommended offer: $226k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.9% 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: Rents rising fast (+11.1%/yr); 663 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 44% of the median local income ($66k/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 $2k of loan paydown is wiped out by about $7k 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 + 8.0% rent growth), your $64k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($226k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 20y 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $225,565 (1.5% below list)

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. 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?
3. 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.
4. 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.
5. 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: 1.06% ✓
• Cap rate: 8.91%
• Cash-on-cash: 9.34%
• DSCR: 1.42
• GRM: 7.9

CMA / ARV

• ARV (median comp): $227,698
• List price: $229,000
• Delta: 0.57%
• 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
6086 NW 53rd Street Rd	0.03mi	3/2.0	1,331 (+5%)	11mo	$239,900	$180	81
5632 NW 57th St	0.50mi	3/2.0	1,331 (+5%)	8mo	$239,900	$180	62
6354 NW 61st Ln	0.64mi	3/2.0	1,232 (-3%)	10mo	$225,000	$183	57
5668 NW 57 St	0.48mi	3/2.0	1,331 (+5%)	19mo	$239,900	$180	53
6422 NW 62nd Ave	0.73mi	3/2.0	1,232 (-3%)	10mo	$224,000	$182	53
5831 NW 58th Ter	0.46mi	3/2.0	1,144 (-10%)	13mo	$227,000	$198	52
6276 NW 62nd Ave	0.71mi	3/2.0	1,380 (+9%)	1mo	$237,000	$172	51
6518 NW 61st St	0.67mi	3/2.0	1,380 (+9%)	4mo	$248,900	$180	50
5320 NW 56th Ter	0.44mi	3/2.0	1,399 (+10%)	17mo	$264,000	$189	48
6174 NW 58th Ter	0.66mi	3/2.0	1,380 (+9%)	10mo	$239,900	$174	46
5430 NW 55th Pl	0.65mi	3/2.0	1,384 (+9%)	10mo	$247,000	$178	46
5931 NW 57th Ave	0.60mi	3/2.0	1,365 (+8%)	17mo	$282,000	$207	45

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 2.9%
• Equity multiple: 1.12×
• Total profit: $7,438
• Equity at exit: $34,145

10-year hold

• IRR: 16.5%
• Equity multiple: 2.65×
• Total profit: $105,545
• Equity at exit: $19,800

Cash invested: $64,120 (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 34482

• Rents YoY: 11.1%
• Active inventory: 663
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $2,428 high
• Mortgage (P&I): −$1,201
• Tax from tax record: −$123 /mo · $1,477/yr
• Insurance: −$95
• HOA: −$0
• Vacancy / Maint / Mgmt: −$510
• Net cashflow: $499

Break-even live

Break-even rent $1,797

Max offer price $229,000

Occupancy floor 74%

Sensitivity live

Price	-10% $629	-5% $564	+0% $499	+5% $434	+10% $369
Rent	-10% $307	-5% $403	+0% $499	+5% $595	+10% $691
Rate	-1.0pp $614	-0.5pp $557	base $499	+0.5pp $440	+1.0pp $379

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: $57,250
• Closing costs: $6,870
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5391 NW 55th Ct Ocala, FL	3.0	2.0	1332	$1,650	$1.24	22d	1	0.52mi
5532 NW 57th Pl Ocala, FL	2.0	2.0	962	$1,295	$1.35	14d	1	0.60mi
6175 NW 59th Ave Ocala, FL	3.0	2.0	1384	$1,745	$1.26	22d	1	0.66mi
5521 NW 45th Ln Ocala, FL	3.0	2.0	1862	$2,600	$1.40	14d	1	0.69mi
5389 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,300	$1.48	22d	1	0.70mi
5375 NW 48th Pl Ocala, FL	2.0	2.0	1565	$2,350	$1.50	22d	1	0.71mi
5416 NW 46th Lane Rd Ocala, FL	3.0	2.0	1590	$2,300	$1.45	14d	1	0.72mi
5358 NW 48th Pl Ocala, FL	3.0	2.0	1565	$2,500	$1.60	22d	1	0.74mi
5293 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,450	$1.58	22d	1	0.78mi
4395 NW 55th Ter Ocala, FL	3.0	2.0	1853	$2,700	$1.46	22d	1	0.80mi
5347 NW 46th Lane Rd Ocala, FL	3.0	2.0	1552	$2,550	$1.64	22d	1	0.80mi
5237 NW 48th Pl Ocala, FL	3.0	2.0	1552	$4,500	$2.90	22d	1	0.83mi
6425 NW 62nd Ter Ocala, FL	3.0	2.0	1349	$3,000	$2.22	22d	1	0.84mi
5254 NW 43rd Lane Rd Ocala, FL	3.0	2.0	1728	$3,500	$2.03	22d	1	0.85mi
5907 NW 64th St Ocala, FL	4.0	2.0	1313	$1,699	$1.29	22d	1	0.85mi
5530 NW 40th Loop Ocala, FL	3.0	2.0	1622	$2,000	$1.23	22d	1	0.95mi
6440 NW 66th Ct Ocala, FL	3.0	2.0	992	$1,695	$1.71	14d	1	1.03mi
4122 NW 48th Terrace Rd Ocala, FL	2.0	2.0	1816	$1,999	$1.10	14d	1	1.33mi
5423 NW 35th Lane Rd Ocala, FL	2.0	2.0	1656	$3,200	$1.93	22d	1	1.38mi
5471 NW 34th St Ocala, FL	2.0	2.0	1318	$2,900	$2.20	22d	1	1.47mi
4743 NW 39th Street Rd Ocala, FL	3.0	2.0	1565	$2,500	$1.60	22d	1	1.49mi
3384 NW 54th Ct Ocala, FL	2.0	2.5	1722	$2,300	$1.34	22d	1	1.50mi
4415 NW 74th Ter Ocala, FL	3.0	2.0	1350	$1,975	$1.46	14d	1	1.50mi

Listing history 12 events

1. 2026-05-09
   status Pending 768-char remark
2. 2026-04-24
   listed $229,000 Active 768-char remark
3. 2018-09-17
   soldstatus $120,000
4. 2018-09-03
   historical
5. 2018-06-16
   listed $129,900
6. 2014-02-01
   historical
7. 2013-04-02
   listed $57,000
8. 2009-01-07
   soldstatus $135,000
9. 2007-03-29
   historical
10. 2007-03-01
    historical
11. 2007-02-09
    listed $159,900
12. 2006-09-29
    listed $159,900

ⓘ 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: $1,477 · $123/mo
• Projected year-2 tax: $1,901 · $158/mo
• Expected delta: +$423/yr (+$35/mo · 28.7%)

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 20 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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,139
• − Mortgage interest: −$12,828
• − Property taxes: −$1,477
• − Insurance: −$1,145
• − Repairs & maintenance: −$2,331
• − Management: −$2,331
• − Depreciation: −$6,662
• Taxable income: $2,366
• Est. tax owed @ 24.0%: −$568
• After-tax cash flow: $5,419/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): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

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: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% 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: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• 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

+43.2% since first listed

13 events — show timeline

• 2026-06-10 Sold (MLS) $229,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-24 Listed $229,000 Stellar MLS as Distributed by MLS Grid
• 2018-09-17 Sold (Public Records) $120,000 Public Records
• 2018-09-03 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-06-16 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2014-02-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-04-02 Listed $57,000 Stellar MLS as Distributed by MLS Grid
• 2009-01-07 Sold (Public Records) $135,000 Public Records
• 2007-03-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-03-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-02-09 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2006-09-29 Listed $159,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+2.4%/yr

Latest (2025): $1,477 · +19.0% YoY. Source: county tax records.