5500 NW 26th Ln · Ocala, FL 34482

$225,000

3 bd · 2.0 ba · 1,499 sqft · SingleFamily public records · 147 Days on market

Built 2001 7,841 sqft lot $150/sqft · 20% below area Est $281k · 20% under $295/mo HOA · 13% of rent ↓ 4% since listing

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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 +16.4/30.0
• ARV discount +15.0/15.0
• 1% rule +5.3/10.0
• DSCR +5.1/10.0
• 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 MLS

One or more photo(s) has been virtually staged. Located at 5500 NW 26th Lane in Ocala, this 2-bedroom, 2-bathroom home is situated within a 55+ golf community offering a relaxed, active lifestyle with excellent on-site amenities. Residents enjoy access to a clubhouse, community pool, and a restaurant located right within the community, creating a true resort-style environment just minutes from home. The home features a functional layout that includes a dedicated office, ideal for hobbies, reading, or light work-from-home needs. An enclosed Florida room provides additional living space and a comfortable place to enjoy the Florida climate year-round. While the interior is not updated, it presents a great opportunity to customize and modernize to your personal taste. Conveniently located on Ocala’s northwest side, the property is close to shopping, dining, medical facilities, and everyday conveniences, with easy access to major roadways for getting around town. The surrounding area offers a blend of peaceful residential living while remaining just a short drive from Ocala’s downtown attractions, parks, and recreational opportunities. This home is ideal for buyers seeking community amenities, a low-maintenance lifestyle, and the chance to add value through updates—all within a well-established 55+ golf community.

Key facts

• Restaurant
• Clubhouse
• Community pool

Tags

• GOLF COMMUNITY
• CLUBHOUSE
• COMMUNITY POOL
• RESTAURANT
• DEDICATED OFFICE
• ENCLOSED FLORIDA ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $128 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $225k).
• Recommended offer: $198k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.0% 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; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 42% 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 $63k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 147 days — a 12% lower offer ($198k) 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $198,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 147 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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?
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: 1.03% ✓
• Cap rate: 6.98%
• Cash-on-cash: 2.45%
• DSCR: 1.11
• GRM: 8.1

CMA / ARV

• ARV (median comp): $280,631
• List price: $225,000
• Delta: -19.82%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5520 NW 26th Ln	0.01mi	3/2.0	1,526 (+2%)	8mo	$215,000	$141	90
5535 NW 23rd Pl	0.22mi	3/2.0	1,485 (-1%)	2mo	$280,000	$189	87
2439 NW 55th Avenue Rd	0.18mi	3/2.0	1,514 (+1%)	17mo	$240,000	$159	76
5160 NW 25th Loop	0.30mi	2/2.0 (-1)	1,569 (+5%)	8mo	$237,500	$151	67
4998 NW 30th Pl	0.51mi	3/2.0	1,476 (-2%)	9mo	$259,000	$175	66
5190 NW 26th Ln	0.28mi	2/2.0 (-1)	1,344 (-10%)	2mo	$215,000	$160	63
5405 NW 25th Loop	0.10mi	2/2.0 (-1)	1,590 (+6%)	22mo	$275,000	$173	62
2218 NW 50th Ave	0.56mi	2/2.0 (-1)	1,544 (+3%)	6mo	$230,000	$149	59
2251 NW 50th Ave	0.57mi	2/2.0 (-1)	1,341 (-10%)	5mo	$249,900	$186	47
5361 NW 33rd Pl	0.56mi	2/2.0 (-1)	1,318 (-12%)	4mo	$230,000	$175	46
5391 NW 19th Pl	0.53mi	3/2.0	1,715 (+14%)	12mo	$205,000	$120	41
5306 NW 19th Pl	0.58mi	3/2.0	1,719 (+15%)	9mo	$344,500	$200	40

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: -6.4%
• Equity multiple: 0.75×
• Total profit: $-15,863
• Equity at exit: $33,548

10-year hold

• IRR: 8.9%
• Equity multiple: 1.84×
• Total profit: $53,169
• Equity at exit: $19,454

Cash invested: $63,000 (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 →

ZIP-level market 34482

• Rents YoY: 11.1%
• Active inventory: 663
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,325 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$140 /mo · $1,676/yr
• Insurance: −$94
• HOA: −$295
• Vacancy / Maint / Mgmt: −$488
• Net cashflow: $128

Break-even live

Break-even rent $2,162

Max offer price $225,000

Occupancy floor 89%

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$2,045	$1.75	21d	1	0.41mi
5361 NW 33rd Pl Ocala, FL	2.0	2.0	1318	$2,500	$1.90	21d	1	0.57mi
3384 NW 54th Ct Ocala, FL	2.0	2.5	1722	$2,300	$1.34	21d	1	0.58mi
5333 NW 33rd Pl Ocala, FL	2.0	2.0	1368	$2,300	$1.68	13d	1	0.58mi
5471 NW 34th St Ocala, FL	2.0	2.0	1318	$2,900	$2.20	21d	1	0.60mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	21d	1	0.61mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	13d	1	0.61mi
3335 NW 52nd Avenue Rd Ocala, FL	2.0	2.5	1318	$2,500	$1.90	21d	1	0.63mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	0.64mi
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	21d	1	0.64mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	0.65mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	21d	1	0.65mi
5191 NW 34th St Ocala, FL	2.0	2.0	1318	$2,400	$1.82	21d	1	0.69mi
5423 NW 35th Lane Rd Ocala, FL	2.0	2.0	1656	$3,200	$1.93	21d	1	0.72mi
5048 NW 35th St Ocala, FL	3.0	2.0	1552	$1,900	$1.22	13d	1	0.75mi
1527 NW 57th Ct Unit 1 Ocala, FL	3.0	2.0	1460	$1,550	$1.06	21d	1	0.89mi
4859 NW 35th Lane Rd Ocala, FL	2.0	2.0	1666	$2,495	$1.50	21d	1	1.09mi
5530 NW 40th Loop Ocala, FL	3.0	2.0	1622	$2,000	$1.23	21d	1	1.10mi
5811 NW 10th St Unit 5811 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	21d	1	1.19mi
4122 NW 48th Terrace Rd Ocala, FL	2.0	2.0	1816	$1,999	$1.10	13d	1	1.19mi
1017 NW 57th Ct Unit 1019 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	21d	1	1.19mi
985 NW 57th Ct Unit 985 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	21d	1	1.21mi
985 NW 57th Ct Unit 987 Ocala, FL	3.0	2.0	1162	$1,697	$1.46	21d	1	1.21mi
4743 NW 39th Street Rd Ocala, FL	3.0	2.0	1565	$2,500	$1.60	21d	1	1.25mi
933 NW 57th Ct Unit 935 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	21d	1	1.25mi
4395 NW 55th Ter Ocala, FL	3.0	2.0	1853	$2,700	$1.46	21d	1	1.29mi
4110 NW 44th Cir Ocala, FL	3.0	2.0	1610	$2,400	$1.49	13d	1	1.34mi
4111 NW 44th Cir Ocala, FL	3.0	2.0	1505	$2,300	$1.53	13d	1	1.37mi
4078 NW 44th Cir Ocala, FL	3.0	2.0	1504	$2,500	$1.66	21d	1	1.38mi
5521 NW 45th Ln Ocala, FL	3.0	2.0	1862	$2,600	$1.40	13d	1	1.44mi

HOA detail

• Monthly dues: $295 · $3,540/yr
• Likely covers: pool

Listing history 18 events

1. 2026-06-18
   days on market $225,000 Active 147 DOM
2. 2026-06-17
   days on market $225,000 Active 146 DOM
3. 2026-06-16
   days on market $225,000 Active 145 DOM
4. 2026-06-15
   days on market $225,000 Active 144 DOM
5. 2026-06-14
   days on market $225,000 Active 142 DOM
6. 2026-06-13
   days on market $225,000 Active 141 DOM
7. 2026-06-10
   days on market $225,000 Active 139 DOM
8. 2026-06-09
   days on market $225,000 Active 138 DOM
9. 2026-06-08
   days on market $225,000 Active 137 DOM
10. 2026-06-07
    days on market $225,000 Active 136 DOM
11. 2026-06-03
    days on market $225,000 Active 132 DOM
12. 2026-06-02
    days on market $225,000 Active 131 DOM
13. 2026-05-31
    days on market $225,000 Active 129 DOM
14. 2026-05-30
    days on market $225,000 Active 128 DOM
15. 2026-03-04
    price $225,000 1348-char remark

    Show marketing remark (1348 chars)

    One or more photo(s) has been virtually staged. Located at 5500 NW 26th Lane in Ocala, this 2-bedroom, 2-bathroom home is situated within a 55+ golf community offering a relaxed, active lifestyle with excellent on-site amenities. Residents enjoy access to a clubhouse, community pool, and a restaurant located right within the community, creating a true resort-style environment just minutes from home. The home features a functional layout that includes a dedicated office, ideal for hobbies, reading, or light work-from-home needs. An enclosed Florida room provides additional living space and a comfortable place to enjoy the Florida climate year-round. While the interior is not updated, it presents a great opportunity to customize and modernize to your personal taste. Conveniently located on Ocala’s northwest side, the property is close to shopping, dining, medical facilities, and everyday conveniences, with easy access to major roadways for getting around town. The surrounding area offers a blend of peaceful residential living while remaining just a short drive from Ocala’s downtown attractions, parks, and recreational opportunities. This home is ideal for buyers seeking community amenities, a low-maintenance lifestyle, and the chance to add value through updates—all within a well-established 55+ golf community.

16. 2026-02-26
    status Active 1348-char remark

    Show marketing remark (1348 chars)

    One or more photo(s) has been virtually staged. Located at 5500 NW 26th Lane in Ocala, this 2-bedroom, 2-bathroom home is situated within a 55+ golf community offering a relaxed, active lifestyle with excellent on-site amenities. Residents enjoy access to a clubhouse, community pool, and a restaurant located right within the community, creating a true resort-style environment just minutes from home. The home features a functional layout that includes a dedicated office, ideal for hobbies, reading, or light work-from-home needs. An enclosed Florida room provides additional living space and a comfortable place to enjoy the Florida climate year-round. While the interior is not updated, it presents a great opportunity to customize and modernize to your personal taste. Conveniently located on Ocala’s northwest side, the property is close to shopping, dining, medical facilities, and everyday conveniences, with easy access to major roadways for getting around town. The surrounding area offers a blend of peaceful residential living while remaining just a short drive from Ocala’s downtown attractions, parks, and recreational opportunities. This home is ideal for buyers seeking community amenities, a low-maintenance lifestyle, and the chance to add value through updates—all within a well-established 55+ golf community.

17. 2026-02-17
    status Pending 1348-char remark

    Show marketing remark (1348 chars)

    One or more photo(s) has been virtually staged. Located at 5500 NW 26th Lane in Ocala, this 2-bedroom, 2-bathroom home is situated within a 55+ golf community offering a relaxed, active lifestyle with excellent on-site amenities. Residents enjoy access to a clubhouse, community pool, and a restaurant located right within the community, creating a true resort-style environment just minutes from home. The home features a functional layout that includes a dedicated office, ideal for hobbies, reading, or light work-from-home needs. An enclosed Florida room provides additional living space and a comfortable place to enjoy the Florida climate year-round. While the interior is not updated, it presents a great opportunity to customize and modernize to your personal taste. Conveniently located on Ocala’s northwest side, the property is close to shopping, dining, medical facilities, and everyday conveniences, with easy access to major roadways for getting around town. The surrounding area offers a blend of peaceful residential living while remaining just a short drive from Ocala’s downtown attractions, parks, and recreational opportunities. This home is ideal for buyers seeking community amenities, a low-maintenance lifestyle, and the chance to add value through updates—all within a well-established 55+ golf community.

18. 2026-01-13
    listed $235,000 Active 1348-char remark

    Show marketing remark (1348 chars)

    One or more photo(s) has been virtually staged. Located at 5500 NW 26th Lane in Ocala, this 2-bedroom, 2-bathroom home is situated within a 55+ golf community offering a relaxed, active lifestyle with excellent on-site amenities. Residents enjoy access to a clubhouse, community pool, and a restaurant located right within the community, creating a true resort-style environment just minutes from home. The home features a functional layout that includes a dedicated office, ideal for hobbies, reading, or light work-from-home needs. An enclosed Florida room provides additional living space and a comfortable place to enjoy the Florida climate year-round. While the interior is not updated, it presents a great opportunity to customize and modernize to your personal taste. Conveniently located on Ocala’s northwest side, the property is close to shopping, dining, medical facilities, and everyday conveniences, with easy access to major roadways for getting around town. The surrounding area offers a blend of peaceful residential living while remaining just a short drive from Ocala’s downtown attractions, parks, and recreational opportunities. This home is ideal for buyers seeking community amenities, a low-maintenance lifestyle, and the chance to add value through updates—all within a well-established 55+ golf community.

ⓘ 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: $1,676 · $140/mo
• Projected year-2 tax: $1,868 · $156/mo
• Expected delta: +$192/yr (+$16/mo · 11.4%)

ⓘ 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 ≥107°F today · 22 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: $27,900
• − Mortgage interest: −$12,603
• − Property taxes: −$1,676
• − Insurance: −$1,125
• − Repairs & maintenance: −$2,232
• − Management: −$2,232
• − HOA: −$3,540
• − Depreciation: −$6,545
• Taxable loss: −$2,054
• Est. tax savings @ 24.0%: +$493
• After-tax cash flow: $2,034/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

-4.3% since first listed

4 events — show timeline

• 2026-03-04 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-26 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-13 Listed $235,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.8%/yr

Latest (2025): $1,676 · +16.6% YoY. Source: county tax records.