105 NE 66th Ct · Silver Springs, FL 34470

$140,000

2 bd · 2.0 ba · 1,152 sqft · Manufactured public records · 109 Days on market

Built 1986 0.33 ac lot $122/sqft · 7% above area Est $130k · 7% over $150/mo HOA · 10% of rent

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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 +15.6/30.0
• 1% rule +5.3/10.0
• DSCR +4.8/10.0
• ARV discount +4.2/15.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully updated home located in NE Ocala! Situated on a quiet street. This move-in-ready property offers fresh updates and comfortable living with convenient access to shopping, dining, medical facilities, and downtown Ocala. This home features all new exterior paint, enhancing curb appeal and providing a fresh, clean look. Inside, you’ll find all new flooring throughout, creating a modern and cohesive feel in every room. The interior offers a bright and inviting layout with spacious living areas and abundant natural light. The kitchen provides ample cabinet and counter space and flows easily into the dining and living areas—ideal for both everyday living and entertaining. The primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, a home office, or hobbies. New toilets have been installed throughout, adding to the home's updated and well-maintained appeal. Step outside to enjoy the generously sized backyard with space for pets, gardening, or relaxing evenings outdoors. Whether you're a first-time homebuyer, downsizing, or searching for an investment opportunity, this updated home is ready for its new owner. Schedule your private showing today!

Key facts

• New toilets
• New exterior paint
• New flooring

Tags

• UPDATED HOME
• NEW EXTERIOR PAINT
• NEW FLOORING
• AMPLE CABINET SPACE
• GENEROUSLY SIZED BACKYARD
• NEW TOILETS

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $140k.

Deal economics

• At list price, monthly cash flow is $58 ($699/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $140k).
• Recommended offer: $127k (9.0% below list) — sets the bar for market timing.
• Cap rate 6.8% vs local median 4.2% in Silver Springs — 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: 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: Rents soft (-0.1%/yr); 294 active listings in the ZIP; 7 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 33% of the median local income ($52k/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 $968 of loan paydown is wiped out by about $4k 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 109 days — a 9% lower offer ($127k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 20y ago; this cycle's ask has dropped $15k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $110k; 27% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

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

Recommended offer $127,400 (9.0% below list)

Questions for the listing agent

1. It's been on market 109 days. Have you received any prior offers? Is the seller open to a 9% 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. 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: 1.03% ✓
• Cap rate: 6.79%
• Cash-on-cash: 1.78%
• DSCR: 1.08
• GRM: 8.1

CMA / ARV

• ARV (median comp): $130,306
• List price: $140,000
• Delta: 12.04%
• Verdict: OVERPRICED
• Comps: 4 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6500 NE 3rd St	0.18mi	2/2.0	1,244 (+8%)	2mo	$144,900	$116	76
9 SE 70th Cir	0.35mi	3/2.0 (+1)	1,166 (+1%)	7mo	$185,000	$159	70
6786 NE 5th Pl	0.32mi	2/2.0	1,243 (+8%)	6mo	$118,000	$95	67

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -17.2%
• Equity multiple: 0.41×
• Total profit: $-23,120
• Equity at exit: $20,874

10-year hold

• IRR: -17.1%
• Equity multiple: 0.20×
• Total profit: $-31,354
• Equity at exit: $12,105

Cash invested: $39,200 (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 34470

• Home prices YoY: -27.6%
• Rents YoY: -0.1%
• Active inventory: 294
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,446 high
• Mortgage (P&I): −$734
• Tax from tax record: −$142 /mo · $1,701/yr
• Insurance: −$58
• HOA: −$150
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $58

Break-even live

Break-even rent $1,372

Max offer price $140,000

Occupancy floor 91%

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6772 NE 1st St Unit Na Ocala, FL	3.0	2.0	1300	$1,500	$1.15	14d	1	0.09mi
6859 NE 1st Pl Ocala, FL	3.0	2.0	1250	$1,400	$1.12	21d	1	0.16mi
6858 NE 2nd Loop Ocala, FL	2.0	2.0	950	$1,250	$1.32	21d	1	0.24mi
15 NE 63rd Ct Ocala, FL	3.0	2.0	1500	$1,700	$1.13	21d	1	0.27mi
600 NE 63rd Ct Ocala, FL	2.0	2.0	785	$1,295	$1.65	14d	1	0.48mi
1503 Peachtree Ln Ocala, FL	2.0	2.0	1152	$1,450	$1.26	21d	1	0.99mi
6688 Cherry Rd Ocala, FL	3.0	2.0	1270	$1,950	$1.54	14d	1	1.40mi

HOA detail

• Monthly dues: $150 · $1,800/yr

Listing history 41 events

1. 2026-06-18
   days on market $140,000 Active 109 DOM
2. 2026-06-17
   price $140,000 Active 108 DOM
3. 2026-06-17
   days on market $146,000 Active 108 DOM
4. 2026-06-16
   days on market $146,000 Active 107 DOM
5. 2026-06-15
   days on market $146,000 Active 106 DOM
6. 2026-06-14
   days on market $146,000 Active 104 DOM
7. 2026-06-13
   days on market $146,000 Active 103 DOM
8. 2026-06-10
   days on market $146,000 Active 101 DOM
9. 2026-06-09
   days on market $146,000 Active 100 DOM
10. 2026-06-08
    days on market $146,000 Active 99 DOM
11. 2026-06-07
    days on market $146,000 Active 98 DOM
12. 2026-06-03
    days on market $146,000 Active 94 DOM
13. 2026-06-02
    days on market $146,000 Active 93 DOM
14. 2026-06-01
    days on market $146,000 Active 92 DOM
15. 2026-05-31
    days on market $146,000 Active 91 DOM
16. 2026-05-30
    days on market $146,000 Active 90 DOM
17. 2026-05-11
    price $151,000 1242-char remark

    Show marketing remark (1242 chars)

    Welcome to this beautifully updated home located in NE Ocala! Situated on a quiet street. This move-in-ready property offers fresh updates and comfortable living with convenient access to shopping, dining, medical facilities, and downtown Ocala. This home features all new exterior paint, enhancing curb appeal and providing a fresh, clean look. Inside, you’ll find all new flooring throughout, creating a modern and cohesive feel in every room. The interior offers a bright and inviting layout with spacious living areas and abundant natural light. The kitchen provides ample cabinet and counter space and flows easily into the dining and living areas—ideal for both everyday living and entertaining. The primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, a home office, or hobbies. New toilets have been installed throughout, adding to the home's updated and well-maintained appeal. Step outside to enjoy the generously sized backyard with space for pets, gardening, or relaxing evenings outdoors. Whether you're a first-time homebuyer, downsizing, or searching for an investment opportunity, this updated home is ready for its new owner. Schedule your private showing today!

18. 2026-04-27
    price $153,000 1242-char remark

    Show marketing remark (1242 chars)

    Welcome to this beautifully updated home located in NE Ocala! Situated on a quiet street. This move-in-ready property offers fresh updates and comfortable living with convenient access to shopping, dining, medical facilities, and downtown Ocala. This home features all new exterior paint, enhancing curb appeal and providing a fresh, clean look. Inside, you’ll find all new flooring throughout, creating a modern and cohesive feel in every room. The interior offers a bright and inviting layout with spacious living areas and abundant natural light. The kitchen provides ample cabinet and counter space and flows easily into the dining and living areas—ideal for both everyday living and entertaining. The primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, a home office, or hobbies. New toilets have been installed throughout, adding to the home's updated and well-maintained appeal. Step outside to enjoy the generously sized backyard with space for pets, gardening, or relaxing evenings outdoors. Whether you're a first-time homebuyer, downsizing, or searching for an investment opportunity, this updated home is ready for its new owner. Schedule your private showing today!

19. 2026-03-14
    status Active 1242-char remark

    Show marketing remark (1242 chars)

    Welcome to this beautifully updated home located in NE Ocala! Situated on a quiet street. This move-in-ready property offers fresh updates and comfortable living with convenient access to shopping, dining, medical facilities, and downtown Ocala. This home features all new exterior paint, enhancing curb appeal and providing a fresh, clean look. Inside, you’ll find all new flooring throughout, creating a modern and cohesive feel in every room. The interior offers a bright and inviting layout with spacious living areas and abundant natural light. The kitchen provides ample cabinet and counter space and flows easily into the dining and living areas—ideal for both everyday living and entertaining. The primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, a home office, or hobbies. New toilets have been installed throughout, adding to the home's updated and well-maintained appeal. Step outside to enjoy the generously sized backyard with space for pets, gardening, or relaxing evenings outdoors. Whether you're a first-time homebuyer, downsizing, or searching for an investment opportunity, this updated home is ready for its new owner. Schedule your private showing today!

20. 2026-03-11
    status Pending 1242-char remark

    Show marketing remark (1242 chars)

    Welcome to this beautifully updated home located in NE Ocala! Situated on a quiet street. This move-in-ready property offers fresh updates and comfortable living with convenient access to shopping, dining, medical facilities, and downtown Ocala. This home features all new exterior paint, enhancing curb appeal and providing a fresh, clean look. Inside, you’ll find all new flooring throughout, creating a modern and cohesive feel in every room. The interior offers a bright and inviting layout with spacious living areas and abundant natural light. The kitchen provides ample cabinet and counter space and flows easily into the dining and living areas—ideal for both everyday living and entertaining. The primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, a home office, or hobbies. New toilets have been installed throughout, adding to the home's updated and well-maintained appeal. Step outside to enjoy the generously sized backyard with space for pets, gardening, or relaxing evenings outdoors. Whether you're a first-time homebuyer, downsizing, or searching for an investment opportunity, this updated home is ready for its new owner. Schedule your private showing today!

21. 2026-02-26
    listed $155,000 Active 1242-char remark

    Show marketing remark (1242 chars)

    Welcome to this beautifully updated home located in NE Ocala! Situated on a quiet street. This move-in-ready property offers fresh updates and comfortable living with convenient access to shopping, dining, medical facilities, and downtown Ocala. This home features all new exterior paint, enhancing curb appeal and providing a fresh, clean look. Inside, you’ll find all new flooring throughout, creating a modern and cohesive feel in every room. The interior offers a bright and inviting layout with spacious living areas and abundant natural light. The kitchen provides ample cabinet and counter space and flows easily into the dining and living areas—ideal for both everyday living and entertaining. The primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, a home office, or hobbies. New toilets have been installed throughout, adding to the home's updated and well-maintained appeal. Step outside to enjoy the generously sized backyard with space for pets, gardening, or relaxing evenings outdoors. Whether you're a first-time homebuyer, downsizing, or searching for an investment opportunity, this updated home is ready for its new owner. Schedule your private showing today!

22. 2026-02-08
    historical
23. 2026-01-31
    status Active
24. 2026-01-24
    status Pending
25. 2026-01-22
    listed $159,900 Active
26. 2025-08-07
    soldstatus $110,000 Closed
27. 2025-08-07
    soldstatus $110,000
28. 2025-07-22
    status Pending
29. 2025-07-17
    listed $110,000 Active
30. 2025-05-03
    historical
31. 2024-12-06
    price $129,900
32. 2024-08-14
    status Active
33. 2024-07-25
    status Pending
34. 2024-06-10
    listed $135,000 Active
35. 2015-03-03
    soldstatus $50,100
36. 2015-02-27
    soldstatus $50,000
37. 2014-11-07
    listed $54,900
38. 2007-01-02
    soldstatus $91,000
39. 2007-01-02
    soldstatus $91,000
40. 2006-10-19
    listed $94,500
41. 1986-10-01
    soldstatus $27,500

ⓘ 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: $1,701 · $142/mo
• Projected year-2 tax: $1,701 · $142/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,355
• − Mortgage interest: −$7,842
• − Property taxes: −$1,701
• − Insurance: −$700
• − Repairs & maintenance: −$1,388
• − Management: −$1,388
• − HOA: −$1,800
• − Depreciation: −$4,073
• Taxable loss: −$1,538
• Est. tax savings @ 24.0%: +$369
• After-tax cash flow: $1,068/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 — Silver Springs

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

Census & demographics

• County: Marion County · 315,796 people
• Metro: Ocala, FL
• Population (ZIP): 22,443
• Household income: $52,083
• Rent vs Own: 37.0% rent · 63.0% own
• Severe rent burden: 771.0

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 (71%)
• Race & ethnicity: White 71% Two or more races 12% Hispanic / Latino 12% Black 10% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Romanian 2% Italian 2%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 89% English-only · Spanish 9%

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: ▼ -92.74%
• Current HPI: 242.686
• Rent YoY: ▼ -0.07%
• 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

+449.1% since first listed

25 events — show timeline

• 2026-05-11 Price Changed $151,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $153,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-26 Listed $155,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-08 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-01-31 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-22 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2025-08-07 Sold (Public Records) $110,000 Public Records
• 2025-08-07 Sold (MLS) $110,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-07-17 Listed $110,000 Stellar MLS as Distributed by MLS Grid
• 2025-05-03 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-12-06 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
• 2024-08-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-07-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-06-10 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 2015-03-03 Sold (Public Records) $50,100 Public Records
• 2015-02-27 Sold (MLS) $50,000 Stellar MLS as Distributed by MLS Grid
• 2014-11-07 Listed $54,900 Stellar MLS as Distributed by MLS Grid
• 2007-01-02 Sold (Public Records) $91,000 Public Records
• 2007-01-02 Sold (MLS) $91,000 Stellar MLS as Distributed by MLS Grid
• 2006-10-19 Listed $94,500 Stellar MLS as Distributed by MLS Grid
• 1986-10-01 Sold (Public Records) $27,500 Public Records

Property tax history

+18.2%/yr

Latest (2025): $1,701 · +13.6% YoY. Source: county tax records.