13761 SW 101st Ter · Ocklawaha, FL 34420

$239,000

3 bd · 2.0 ba · 1,083 sqft · SingleFamily · 1 Days on market

Built 2026 Good condition 1,235 sqft lot Est $218k · 10% over

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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).

• Cash flow +12.5/30.0
• Condition / age +4.2/5.0
• DSCR +3.7/10.0
• 1% rule +3.6/10.0
• Schools +3.6/10.0
• ARV discount +3.1/15.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Virtually Staged. Beautiful brand-new concrete block home perfectly situated in the heart of Belleview, just minutes from Ocala and The Villages. This 3-bedroom, 2-bath residence offers a modern open layout with durable vinyl plank flooring throughout, no carpet!! The kitchen features granite countertops paired with shaker style cabinets for a clean, timeless look. Enjoy a peaceful private country setting while still being close to shopping, dining, and everyday conveniences. Builder warranty included for added peace of mind.

Key facts

• Modern open layout
• Granite countertops
• Vinyl plank flooring

Tags

• CONCRETE BLOCK HOME
• MODERN OPEN LAYOUT
• VINYL PLANK FLOORING
• GRANITE COUNTERTOPS
• SHAKER STYLE CABINETS
• PRIVATE COUNTRY SETTING

Property features AI

Finance

• Other: Zoning: R1; Property condition: Completed; Property type: Residential - Single Family Residence
• HOA & community: No association (no HOA)

Exterior

• Parking: Attached 2-car garage (approx. 20 x 18)
• Utilities: Well water; Septic tank sewer; Private utilities
• Home design: Single-family residence; One story; New construction; Faces east
• Construction: Block, concrete and stucco construction; Shingle roof; Slab foundation; Built by Aldana (model: Rachel)
• Exterior features: Sliding doors; Vinyl fencing; Paved road access; Lot dimensions approximately 75 x 125; Lot size about 0.23 acres

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Granite counters
• Bedrooms: 3 bedrooms
• Flooring: Tile flooring; Granite (counter) surfaces
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Cathedral ceilings; Vaulted ceilings; High ceilings; Ceiling fans; Open floor plan; Split bedroom layout; Stone (granite) counters; Thermostat
• Laundry & utility: Laundry area located in the garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $239k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-37 ($-439/yr) — negative.
• To cash-flow at today's rent, offer at most $234k (2.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $204k (14.5% below list).
• Recommended offer: $204k (14.5% below list) — sets the bar for 1% rule.

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.
• Market conditions: 357 active listings in the ZIP; 3 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).

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.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $204,437 (14.5% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.86% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.66%
• DSCR: 0.97
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $217,683
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13390 SE 105th Ter	0.53mi	2/2.0 (-1)	1,045 (-4%)	1mo	$214,900	$206	64
13521 SE 101st Ave	0.22mi	3/2.0	1,242 (+15%)	16mo	$249,900	$201	52
13102 SE 101st Ave	0.56mi	3/2.0	1,204 (+11%)	12mo	$208,000	$173	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -17.4%
• Equity multiple: 0.39×
• Total profit: $-41,030
• Equity at exit: $35,636

10-year hold

• IRR: -9.3%
• Equity multiple: 0.42×
• Total profit: $-38,606
• Equity at exit: $20,664

Cash invested: $66,920 (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 34420

• Home prices YoY: -32.8%
• Active inventory: 357
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,044 medium
• Mortgage (P&I): −$1,253
• Tax est. 1.5%: −$299 /mo · $3,585/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$429
• Net cashflow: $-37

Break-even live

Break-even rent $2,091

Max offer price $233,701

Occupancy floor 97%

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: $59,750
• Closing costs: $7,170
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9375 SE 134th St Summerfield, FL	2.0	2.0	1284	$2,300	$1.79	21d	1	0.88mi
13421 SE 92nd Court Rd Summerfield, FL	2.0	2.0	1374	$1,800	$1.31	21d	1	0.98mi
9484 SE 124th Loop Summerfield, FL	2.0	2.0	1475	$1,949	$1.32	21d	1	1.44mi

Listing history 2 events

1. 2026-06-17
   remarks 531-char remark
2. 2026-06-17
   listed $239,000 Active 1 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: $24,532
• − Mortgage interest: −$13,388
• − Property taxes: −$3,585
• − Insurance: −$1,195
• − Repairs & maintenance: −$1,963
• − Management: −$1,963
• − Depreciation: −$6,953
• Taxable loss: −$4,513
• Est. tax savings @ 24.0%: +$1,083
• After-tax cash flow: $644/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 85/100 None rehab

This virtually staged, brand-new home offers a modern open layout with vinyl plank flooring and a spacious living area. It is in excellent condition with no visible repairs or maintenance needed, making it a move-in-ready property.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhanced landscaping can increase curb appeal and property value.
• Both Adding smart home features — Smart home features can increase property value and attract tech-savvy buyers/tenants.
• Both Upgrading the kitchen appliances — Modern appliances can improve the kitchen's functionality and appeal to potential buyers/tenants.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can increase curb appeal and property value. ↑
• Both Adding smart home features — Smart home features can increase property value and attract tech-savvy buyers/tenants. ↑
• Both Upgrading the kitchen appliances — Modern appliances can improve the kitchen's functionality and appeal to potential buyers/tenants. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Ocklawaha

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• City population: 9,318
• Population (ZIP): 19,167

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 (81%)
• Race & ethnicity: White 81% Hispanic / Latino 12% Two or more races 10% Black 1%
• Hispanic origin (detail): Puerto Rican 7% Cuban 2%
• Common ancestry: Lithuanian 4% Iranian 2% Romanian 2%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 89% English-only · Spanish 7% Other Indo-European 2% German/W. Germanic 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: ▼ -120.90%
• Current HPI: 247.3176
• Rent YoY: —
• Metro: —
• 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

1 event — show timeline

• 2026-06-17 Listed $239,000 Stellar MLS as Distributed by MLS Grid