206 Emerald Loop Way · Silver Springs Shores, FL 34472

$254,990

3 bd · 2.0 ba · 1,477 sqft · SingleFamily · 207 Days on market

Built 2026 Excellent condition 10,454 sqft lot 2-car garage ↓ 6% since listing

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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).

• Appreciation +8.0/10.0
• ARV discount +7.5/15.0
• Cash flow +6.5/30.0
• Condition / age +4.8/5.0
• Livability +3.4/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• 1% rule +1.6/10.0
• DSCR +0.8/10.0

Listing remarks MLS

Welcome to our Prescott floor plan. The thoughtfully designed single-story home offers effortless flow and modern finishes. This open-concept layout connects the kitchen, dining, and living areas, creating a bright and inviting central space for daily living and entertaining. The kitchen features white shaker cabinets, granite countertops, and stainless steel appliances. The private owner's suite includes a walk-in closet and an ensuite bath with dual vanities. Two additional bedrooms provide flexible space for whatever fits your needs. The covered patio provides relaxing outdoor space and easy access to the back yard. With its functional layout and timeless style, the Prescott delivers comfort and convenience, all on one level.

Key facts

• Quartz countertops
• Private bath
• Open layout

Tags

• OPEN LAYOUT
• WELL-EQUIPPED KITCHEN
• BEAUTIFUL CABINETRY
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• PRIVATE BATH

🏗️ New construction. The $254,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $259,655.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $255k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-441 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $196k (23.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $171k (32.8% below list).
• Recommended offer: $171k (32.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#527 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, employment D, amenities 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.
• Zoned schools: Emerald Shores Elementary School (math 30% / reading 34%, grade F, #1,797 of 2,144 statewide, top 86%, 666 students, 74% FRL); Lake Weir Middle School (math 37% / reading 33%, grade F, #416 of 571 statewide, top 74%, 1,207 students, 76% FRL); Lake Weir High School (math 23% / reading 34%, grade F, #458 of 667 statewide, top 69%, 1,483 students, 68% FRL).
• Market conditions: Rents flat; 1080 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals lingering (median 37d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% 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 32% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $17k of equity ($2k loan paydown + $15k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 3, paydown + projected appreciation supports a ~$43k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 207 days — a 12% lower offer ($224k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $171,346 (32.8% 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 207 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.66% ✗
• Cap rate: 4.26%
• Cash-on-cash: -7.28%
• DSCR: 0.68
• GRM: 12.6

CMA / ARV

• ARV (median comp): $259,655
• List price: $254,990
• Delta: -1.80%
• 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
212 Emerald Loop Way	0.01mi	3/2.0	1,479 (+0%)	3mo	$166,000	$112	96
263 Emerald Rd	0.26mi	3/2.0	1,433 (-3%)	2mo	$225,000	$157	81
260 Emerald Rd	0.26mi	3/2.0	1,272 (-14%)	2mo	$210,000	$165	63
254 Oak Lane Cir	0.64mi	3/2.0	1,439 (-3%)	5mo	$285,000	$198	62
195 Oak Ln	0.26mi	4/2.0 (+1)	1,666 (+13%)	3mo	$274,990	$165	59
230 Locust Pass Crse	0.68mi	3/2.0	1,546 (+5%)	5mo	$247,900	$160	57
228 Locust Pass Cir	0.39mi	4/2.0 (+1)	1,666 (+13%)	2mo	$254,888	$153	54
311 Oak Lane Pass	0.57mi	3/2.0	1,671 (+13%)	5mo	$285,000	$171	47
208 Locust Pass	0.44mi	4/2.0 (+1)	1,696 (+15%)	4mo	$279,899	$165	47
303 Oak Track Trl	0.59mi	3/2.0	1,697 (+15%)	3mo	$258,000	$152	45
234 Locust Ln	0.68mi	4/2.0 (+1)	1,652 (+12%)	3mo	$297,000	$180	41
242 Locust Pass Crse	0.72mi	4/2.0 (+1)	1,666 (+13%)	0mo	$278,990	$167	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.93% appreciation · 0.17% rent growth · sell at horizon

5-year hold

• IRR: 8.4%
• Equity multiple: 1.57×
• Total profit: $41,136
• Equity at exit: $162,124

10-year hold

• IRR: 9.3%
• Equity multiple: 2.85×
• Total profit: $134,732
• Equity at exit: $293,054

Cash invested: $72,703 (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: 24 active · 24 under contract
• Months of supply: 7.6 mo (13%/mo absorbed)
• Median asking: $249,995 ($180/sqft)
• Median days on market: 48 d
• This list price: 58% of active listings are priced below it
• ARV vs active asking: -2.5% vs current asking $/sqft

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

ZIP-level market 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 1080
• Price-to-rent: 12.4×

Monthly cashflow live

• Estimated rent: $1,713 high
• Mortgage (P&I): −$1,362
• Tax est. 1.5%: −$325 /mo · $3,895/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$360
• Net cashflow: $-441

Break-even live

Break-even rent $2,271

Max offer price $195,873

Occupancy floor —

Sensitivity live

Price	-10% $-261	-5% $-351	+0% $-441	+5% $-531	+10% $-620
Rent	-10% $-576	-5% $-508	+0% $-441	+5% $-373	+10% $-305
Rate	-1.0pp $-310	-0.5pp $-375	base $-441	+0.5pp $-508	+1.0pp $-577

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: $64,914
• Closing costs: $7,790
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
235 Locust Pass Cir Ocala, FL	3.0	2.0	1321	$1,675	$1.27	10d	1	0.40mi
223 Oak Lane Trak Ocala, FL	3.0	2.0	1011	$1,697	$1.68	51d	1	0.41mi
202 Oak Lane Cir Ocala, FL	3.0	2.0	1232	$1,650	$1.34	154d	1	0.43mi
201 Locust Pass Trl Ocala, FL	3.0	2.0	1188	$1,395	$1.17	36d	1	0.53mi
201 Locust Pass Trl Ocala, FL	3.0	2.0	1188	$1,395	$1.17	46d	1	0.53mi
217 Oak Lane Cir Ocala, FL	3.0	2.0	1453	$1,625	$1.12	10d	1	0.53mi
211 Locust Lane Dr Ocala, FL	3.0	2.0	1232	$1,350	$1.10	10d	1	0.54mi
211 Locust Lane Dr Ocala, FL	3.0	2.0	1232	$1,350	$1.10	51d	1	0.54mi
217 Locust Pass Crse Ocala, FL	3.0	2.0	1232	$1,650	$1.34	154d	1	0.57mi
310 Oak Lane Pass Ocala, FL	2.0	2.0	988	$1,325	$1.34	162d	1	0.58mi
217 Locust Pass Ln Ocala, FL	3.0	2.0	1011	$1,697	$1.68	154d	1	0.60mi
240 Locust Pass Loop Ocala, FL	3.0	2.0	1352	$1,699	$1.26	0d	1	0.61mi
242 Oak Lane Cir Ocala, FL	3.0	2.0	1445	$1,775	$1.23	2d	1	0.68mi
238 Locust Pass Ln Ocala, FL	3.0	2.0	1522	$1,900	$1.25	34d	1	0.78mi
234 Locust Pass Ocala, FL	3.0	2.0	1287	$1,895	$1.47	10d	1	0.79mi
219 Locust Ln Ocala, FL	3.0	2.0	1232	$1,650	$1.34	154d	1	0.81mi
319 Oak Track Dr Ocala, FL	3.0	2.0	1128	$1,475	$1.31	10d	1	0.82mi
80 Locust Pass Run Ocala, FL	3.0	2.0	1003	$1,595	$1.59	154d	1	0.84mi
1028 Hickory Rd Ocala, FL	3.0	2.0	1204	$1,595	$1.32	10d	1	0.95mi
19 Locust Lane Ter Ocala, FL	3.0	2.0	1239	$1,645	$1.33	0d	1	0.95mi
45 Hickory Track Way Ocala, FL	2.0	1.0	901	$1,500	$1.66	10d	1	0.97mi
325 Oak Track Ct Ocala, FL	3.0	2.0	1163	$1,550	$1.33	162d	1	0.97mi
20 Locust Loop Pass Ocala, FL	3.0	2.0	1387	$1,630	$1.18	2d	1	1.01mi
312 Locust Pass Ocala, FL	3.0	2.0	1453	$1,795	$1.24	10d	1	1.11mi
312 Locust Pass Ocala, FL	3.0	2.0	1453	$1,795	$1.24	51d	1	1.11mi
342 Locust Pass Ocala, FL	3.0	2.0	1232	$1,650	$1.34	154d	1	1.16mi
27 Sapphire Run Ocala, FL	3.0	2.0	1255	$1,500	$1.20	162d	1	1.17mi
13 Locust Loop Ocala, FL	3.0	2.0	1832	$1,699	$0.93	51d	1	1.30mi
309 Locust Rd Ocala, FL	3.0	2.0	1450	$1,675	$1.16	10d	1	1.40mi

Property features AI

Exterior

• Parking: Attached 2-car garage
• Security: Smoke detector(s)
• Utilities: Well waterSeptic tankElectricity availableBroadband/high-speed internet availableWater and sewer available
• Home design: Single family residenceOne storyUnder construction (projected completion July 28, 2026)Faces southeast
• Construction: New constructionStucco and vinyl siding exteriorShingle roofSlab foundationBuilt by Century Complete (model: Prescott)
• Exterior features: Covered patioPatioOther exterior features

Interior

• Kitchen: DishwasherMicrowaveRange
• Bedrooms: 3 bedrooms
• Flooring: CarpetVinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heatingCentral air conditioning
• Interior features: Open floorplanSmoke detector(s)
• Laundry & utility: Washer hookupElectric dryer hookupDedicated laundry room

Listing history 50 events

1. 2026-10-26
   days on market $254,990 Active 207 DOM
2. 2026-10-25
   days on market $254,990 Active 206 DOM
3. 2026-10-24
   days on market $254,990 Active 205 DOM
4. 2026-10-23
   days on market $254,990 Active 204 DOM
5. 2026-10-22
   days on market $254,990 Active 203 DOM
6. 2026-10-21
   days on market $254,990 Active 202 DOM
7. 2026-10-20
   days on market $254,990 Active 201 DOM
8. 2026-10-19
   days on market $254,990 Active 200 DOM
9. 2026-10-18
   days on market $254,990 Active 199 DOM
10. 2026-10-17
    days on market $254,990 Active 198 DOM
11. 2026-10-16
    days on market $254,990 Active 197 DOM
12. 2026-10-15
    days on market $254,990 Active 196 DOM
13. 2026-10-14
    days on market $254,990 Active 195 DOM
14. 2026-10-13
    days on market $254,990 Active 194 DOM
15. 2026-10-12
    days on market $254,990 Active 193 DOM
16. 2026-10-11
    days on market $254,990 Active 192 DOM
17. 2026-10-10
    days on market $254,990 Active 191 DOM
18. 2026-10-09
    days on market $254,990 Active 190 DOM
19. 2026-10-08
    days on market $254,990 Active 189 DOM
20. 2026-10-07
    days on market $254,990 Active 188 DOM
21. 2026-10-07
    days on market $254,990 Active 187 DOM
22. 2026-10-05
    days on market $254,990 Active 186 DOM
23. 2026-10-04
    days on market $254,990 Active 185 DOM
24. 2026-10-03
    days on market $254,990 Active 184 DOM
25. 2026-10-02
    days on market $254,990 Active 183 DOM
26. 2026-10-01
    days on market $254,990 Active 182 DOM
27. 2026-09-30
    days on market $254,990 Active 181 DOM
28. 2026-09-28
    days on market $254,990 Active 179 DOM
29. 2026-09-27
    days on market $254,990 Active 178 DOM
30. 2026-09-26
    days on market $254,990 Active 177 DOM
31. 2026-09-25
    days on market $254,990 Active 176 DOM
32. 2026-09-24
    days on market $254,990 Active 175 DOM
33. 2026-09-24
    days on market $254,990 Active 174 DOM
34. 2026-09-21
    days on market $254,990 Active 172 DOM
35. 2026-09-20
    days on market $254,990 Active 171 DOM
36. 2026-09-18
    days on market $254,990 Active 169 DOM
37. 2026-09-17
    days on market $254,990 Active 168 DOM
38. 2026-09-16
    days on market $254,990 Active 167 DOM
39. 2026-09-15
    days on market $254,990 Active 166 DOM
40. 2026-09-14
    days on market $254,990 Active 165 DOM
41. 2026-09-13
    days on market $254,990 Active 164 DOM
42. 2026-09-12
    days on market $254,990 Active 163 DOM
43. 2026-09-11
    pricedays on market $254,990 Active 162 DOM
44. 2026-09-05
    days on market $244,888 Active 156 DOM
45. 2026-09-04
    days on market $244,888 Active 155 DOM
46. 2026-09-03
    days on market $244,888 Active 154 DOM
47. 2026-08-31
    days on market $244,888 Active 151 DOM
48. 2026-08-30
    days on market $244,888 Active 150 DOM
49. 2026-08-29
    days on market $244,888 Active 149 DOM
50. 2026-08-28
    days on market $244,888 Active 148 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: $20,562
• − Mortgage interest: −$14,545
• − Property taxes: −$3,895
• − Insurance: −$1,298
• − Repairs & maintenance: −$1,645
• − Management: −$1,645
• − Depreciation: −$7,554
• Taxable loss: −$10,020
• Est. tax savings @ 24.0%: +$2,405
• After-tax cash flow: $-2,885/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 · 17 photos

Excellent 95/100 None rehab

This single-story home in Silver Springs Shores is in excellent condition with a modern and open floor plan. It offers a well-maintained exterior, neutral paint colors, and hardwood flooring. The home is move-in ready and would benefit from minor updates to the exterior and interior to further enhance its curb appeal and value.

Value-add opportunities

• Both Painting the exterior and interior walls — Enhances curb appeal and interior aesthetics ↑
• Both Updating the flooring in the bedrooms — Improves the overall look and feel of the home ↑
• Both Upgrading the kitchen appliances — Modernizes the kitchen and adds value ↑
• Both Adding smart home features — Enhances convenience and adds value ↑

F Composite school gradezoned avg 32/100

Zoned Schools

Elementary Emerald Shores Elementary School F FL #1,797/2,144 Nat'l #24,950/41,679 Middle Lake Weir Middle School F FL #416/571 Nat'l #7,460/14,009 High Lake Weir High School F FL #458/667 Nat'l #11,681/17,239

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

C Composite livability gradescore 68/100

Livability — Silver Springs Shores

• Score: 68/100
• State rank: #527
• US rank: #9854

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Silver Springs Shores, FL
• County: Marion County · 365,905 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 35,851
• Household income: $64,208
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 14% 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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 21% Two or more races 18% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 3%
• Languages at home: 78% English-only · Spanish 19% Other Indo-European 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: ▲ 5.93%
• Current HPI: 255.0714
• Rent YoY: ▲ 0.17%
• 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

Property features AI

Exterior

• Parking: Attached 2-car garage
• Security: Smoke detector(s)
• Utilities: Well waterSeptic tankElectricity availableBroadband/high-speed internet availableWater and sewer available
• Home design: Single family residenceOne storyUnder construction (projected completion July 28, 2026)Faces southeast
• Construction: New constructionStucco and vinyl siding exteriorShingle roofSlab foundationBuilt by Century Complete (model: Prescott)
• Exterior features: Covered patioPatioOther exterior features

Interior

• Kitchen: DishwasherMicrowaveRange
• Bedrooms: 3 bedrooms
• Flooring: CarpetVinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heatingCentral air conditioning
• Interior features: Open floorplanSmoke detector(s)
• Laundry & utility: Washer hookupElectric dryer hookupDedicated laundry room

Price history

-5.7% since first listed

4 events — show timeline

• 2026-06-23 Price Changed $249,888 Stellar MLS as Distributed by MLS Grid
• 2026-06-23 Price Changed $249,888 Zillow
• 2026-04-02 Listed $264,990 Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Listed $264,990 Zillow