17577 SE 104th Cir · The Villages, FL 34491

$219,900

2 bd · 2.0 ba · 1,008 sqft · SingleFamily public records · 33 Days on market

Built 1990 0.25 ac lot Est $174k · 26% over $179/mo HOA · 9% of rent

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Why this score? — see what drove the F 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 +14.1/30.0
• DSCR +4.3/10.0
• 1% rule +4.2/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

PRICE IMPROVEMENT! Welcome home to Spruce Creek South 55+ gated golfcart community. This Conveniently located Pecan model home with 2 bedrooms, 2 bathrooms, and a 2-1/2-car garage. In 2018 an additional 14x24 garage was added to the left of the original one. This home is Situated on an oversized 1/4-acre lot with no rear neighbors, and a fence behind the yard. Features a front porch, lanai, patio, and partially fenced-in yard behind the home. Newer roof 2019, and Newer Water heater 2019, The 2014 HVAC is in very good working condition, the condenser pump just got professionally cleaned recently in 2023 and has always been maintained yearly. The primary bedroom has the en-suite bathroom, and a walk-in closet. The guest bedroom has a separate bathroom right across from it. Part of the house features laminate flooring with porcelain tile for the bathrooms, and carpet for the bedrooms. The kitchen has upgrades including, granite counters, tray ceiling and newer cabinetry. Large front window provides ample natural light which is always a bonus. Community Features: Located in the sought-after 55+ community of Spruce Creek South in Summerfield, Central Florida. Close to amenities and services, just minutes away from HWY 441. Gated golf course and golf cart community with guard on duty in the front gate, and security drives around the security 21/7. Convenient access to various establishments, including dentists, banks, doctors, Walmart, BJ's, gas stations, retail shops, hair and nail salons, many restaurants, doctors, Lowe's, and more. Clubhouse with heated pool, fitness center, his and hers spa, billiard room, craft room, game rooms, event room, kitchen and more. .. Outdoor amenities include tennis courts, softball field, shuffleboard, golf course, doggy trails, walking and biking trails, air gun club activities, and more. Options on cable, satellite, and high-speed internet available. Verizon services have recently been introduced to beginning of the community recently. You can legally go out on your golfcart through the main gate and cross 441, plus An additional resident gate takes you directly into a plaza which offers many more amenities. Additional gated parking available for RVs or trailers located in the back of the community, at an additional low cost. Community Activities: The clubhouse offers planned activities throughout the year and various groups to join. The groups also offer outdoor planned activities during the year. The villages are just a few miles away, for additional entertainment, great eateries and shopping. Please contact me for an in-person or virtual tour of the property today.

Key facts

• 0.25 acre lot
• 2 garage spots
• Community pool

Property features AI

Finance

• Other: Unfurnished
• Financial info: Lease restrictions apply
• HOA & community: Has HOA (monthly fee required, approximately $179.98); Association approval required; HOA amenities include guarded 24-hour entry, pool, clubhouse, fitness center, recreation facilities (tennis, pickleball, racquetball, shuffleboard), spa/hot tub, sauna, basketball court, golf/course access, dog park, wheelchair access, and security; Buyer approval required; Deed restrictions; Golf carts allowed; Pets allowed (cats and dogs)

Exterior

• Parking: Attached 2-car garage; Has garage
• Security: Community offers 24-hour guard (via HOA)
• Utilities: Public water; Septic tank; Broadband/high-speed internet available; Cable available; Electricity connected
• Home design: Single family residence; One story; Faces southeast; Residential zoning (R1)
• Construction: Concrete, vinyl siding and frame construction; Shingle roof; Slab foundation; Built as model: EXTENDED PECAN
• Exterior features: Exterior lighting; Private mailbox; Rain gutters; Irrigation equipment; Cleared lot; Asphalt/paved road access

Interior

• Kitchen: Cooktop; Dishwasher; Microwave
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile; Other flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Open floorplan; Dining area (labeled L Dining); Solid surface countertops; Thermostat; Tray ceilings; Walk-in closets; Window treatments
• Laundry & utility: Washer and dryer (laundry located in garage)

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $34 ($410/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $203k (7.6% below list).
• Recommended offer: $203k (7.6% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 5.0% in The Villages — 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 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A, employment B+; Watch: amenities F, commute F, health & safety 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: Belleview Elementary School (math 48% / reading 44%, grade D-, #1,234 of 2,144 statewide, top 58%, 650 students, 73% FRL); Lake Weir Middle School (math 37% / reading 33%, grade F, #416 of 571 statewide, top 74%, 1,207 students, 76% FRL); Belleview High School (math 31% / reading 46%, grade F, #321 of 667 statewide, top 49%, 1,783 students, 56% FRL).
• Market conditions: 713 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 37% of the median local income ($67k/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.

Negotiation context

• It's been on market 33 days — a 3% lower offer ($213k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y ago; this cycle's ask has dropped $25k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

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

Recommended offer $203,080 (7.6% below list)

Questions for the listing agent

1. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 8% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.92% ✗
• Cap rate: 6.48%
• Cash-on-cash: 0.67%
• DSCR: 1.03
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $174,384
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10235 SE 179th Pl	0.32mi	2/2.0	1,144 (+14%)	2mo	$180,599	$158	61
10221 SE 175th Pl	0.17mi	2/2.0	1,144 (+14%)	18mo	$200,000	$175	54
9888 SE 177th Ln	0.48mi	2/2.0	1,144 (+14%)	23mo	$198,000	$173	36

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: -15.2%
• Equity multiple: 0.46×
• Total profit: $-33,397
• Equity at exit: $32,788

10-year hold

• IRR: -6.6%
• Equity multiple: 0.58×
• Total profit: $-26,030
• Equity at exit: $19,013

Cash invested: $61,572 (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 34491

• Home prices YoY: -35.0%
• Active inventory: 713
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $2,031 high
• Mortgage (P&I): −$1,153
• Tax from tax record: −$146 /mo · $1,757/yr
• Insurance: −$92
• HOA: −$179
• Vacancy / Maint / Mgmt: −$426
• Net cashflow: $34

Break-even live

Break-even rent $1,988

Max offer price $219,900

Occupancy floor 93%

Sensitivity live

Price	-10% $159	-5% $96	+0% $34	+5% $-28	+10% $-90
Rent	-10% $-126	-5% $-46	+0% $34	+5% $114	+10% $195
Rate	-1.0pp $145	-0.5pp $90	base $34	+0.5pp $-23	+1.0pp $-81

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: $54,975
• Closing costs: $6,597
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10397 SE 176th St Summerfield, FL	2.0	2.0	1296	$2,150	$1.66	23d	1	0.07mi
17532 SE 100th Ct Summerfield, FL	2.0	2.0	1217	$1,800	$1.48	23d	1	0.29mi
17199 SE 97th Ter Summerfield, FL	3.0	2.0	1404	$1,990	$1.42	23d	1	0.70mi
17713 SE 95th Cir Summerfield, FL	3.0	2.0	1450	$2,000	$1.38	23d	1	0.81mi
13957 County Road 109D Lady Lake, FL	2.0	2.0	1482	$1,650	$1.11	23d	1	0.97mi
9990 SE 166th St Summerfield, FL	3.0	2.0	962	$1,395	$1.45	15d	1	1.12mi
9523 SE 168th Maplesong Ln The Villages, FL	3.0	2.0	1265	$1,975	$1.56	23d	1	1.15mi
16962 SE 94th Sunnybrook Cir The Villages, FL	2.0	2.0	1160	$2,000	$1.72	23d	1	1.20mi
2909 Meadow Lawn Ln The Villages, FL	2.0	2.0	1132	$4,300	$3.80	23d	1	1.21mi
1377 Camero Dr Lady Lake, FL	3.0	2.0	1462	$5,500	$3.76	23d	1	1.26mi
1648 Belle Grove Dr The Villages, FL	2.0	2.0	1132	$4,250	$3.75	23d	1	1.28mi
1808 Peachtree Ave The Villages, FL	2.0	2.0	1182	$2,500	$2.12	23d	1	1.39mi
2006 Cardona Way Lady Lake, FL	2.0	2.0	1428	$3,900	$2.73	23d	1	1.43mi
10326 SE 162nd Place Rd Summerfield, FL	3.0	2.0	1419	$2,300	$1.62	15d	1	1.44mi

HOA detail

• Monthly dues: $179 · $2,148/yr
• Likely covers: watergasinternetcablepoolgymsecurity

Listing history 13 events

1. 2026-05-10
   status Pending
2. 2026-04-29
   price $219,900
3. 2026-04-12
   price $232,900
4. 2026-04-07
   listed $244,900 Active
5. 2024-04-23
   soldstatus $235,000
6. 2024-04-22
   soldstatus $235,000 Closed 2649-char remark

   Show marketing remark (2649 chars)

   PRICE IMPROVEMENT! Welcome home to Spruce Creek South 55+ gated golfcart community. This Conveniently located Pecan model home with 2 bedrooms, 2 bathrooms, and a 2-1/2-car garage. In 2018 an additional 14x24 garage was added to the left of the original one. This home is Situated on an oversized 1/4-acre lot with no rear neighbors, and a fence behind the yard. Features a front porch, lanai, patio, and partially fenced-in yard behind the home. Newer roof 2019, and Newer Water heater 2019, The 2014 HVAC is in very good working condition, the condenser pump just got professionally cleaned recently in 2023 and has always been maintained yearly. The primary bedroom has the en-suite bathroom, and a walk-in closet. The guest bedroom has a separate bathroom right across from it. Part of the house features laminate flooring with porcelain tile for the bathrooms, and carpet for the bedrooms. The kitchen has upgrades including, granite counters, tray ceiling and newer cabinetry. Large front window provides ample natural light which is always a bonus. Community Features: Located in the sought-after 55+ community of Spruce Creek South in Summerfield, Central Florida. Close to amenities and services, just minutes away from HWY 441. Gated golf course and golf cart community with guard on duty in the front gate, and security drives around the security 21/7. Convenient access to various establishments, including dentists, banks, doctors, Walmart, BJ's, gas stations, retail shops, hair and nail salons, many restaurants, doctors, Lowe's, and more. Clubhouse with heated pool, fitness center, his and hers spa, billiard room, craft room, game rooms, event room, kitchen and more. .. Outdoor amenities include tennis courts, softball field, shuffleboard, golf course, doggy trails, walking and biking trails, air gun club activities, and more. Options on cable, satellite, and high-speed internet available. Verizon services have recently been introduced to beginning of the community recently. You can legally go out on your golfcart through the main gate and cross 441, plus An additional resident gate takes you directly into a plaza which offers many more amenities. Additional gated parking available for RVs or trailers located in the back of the community, at an additional low cost. Community Activities: The clubhouse offers planned activities throughout the year and various groups to join. The groups also offer outdoor planned activities during the year. The villages are just a few miles away, for additional entertainment, great eateries and shopping. Please contact me for an in-person or virtual tour of the property today.

7. 2024-03-21
   status Pending 2649-char remark

   Show marketing remark (2649 chars)

   PRICE IMPROVEMENT! Welcome home to Spruce Creek South 55+ gated golfcart community. This Conveniently located Pecan model home with 2 bedrooms, 2 bathrooms, and a 2-1/2-car garage. In 2018 an additional 14x24 garage was added to the left of the original one. This home is Situated on an oversized 1/4-acre lot with no rear neighbors, and a fence behind the yard. Features a front porch, lanai, patio, and partially fenced-in yard behind the home. Newer roof 2019, and Newer Water heater 2019, The 2014 HVAC is in very good working condition, the condenser pump just got professionally cleaned recently in 2023 and has always been maintained yearly. The primary bedroom has the en-suite bathroom, and a walk-in closet. The guest bedroom has a separate bathroom right across from it. Part of the house features laminate flooring with porcelain tile for the bathrooms, and carpet for the bedrooms. The kitchen has upgrades including, granite counters, tray ceiling and newer cabinetry. Large front window provides ample natural light which is always a bonus. Community Features: Located in the sought-after 55+ community of Spruce Creek South in Summerfield, Central Florida. Close to amenities and services, just minutes away from HWY 441. Gated golf course and golf cart community with guard on duty in the front gate, and security drives around the security 21/7. Convenient access to various establishments, including dentists, banks, doctors, Walmart, BJ's, gas stations, retail shops, hair and nail salons, many restaurants, doctors, Lowe's, and more. Clubhouse with heated pool, fitness center, his and hers spa, billiard room, craft room, game rooms, event room, kitchen and more. .. Outdoor amenities include tennis courts, softball field, shuffleboard, golf course, doggy trails, walking and biking trails, air gun club activities, and more. Options on cable, satellite, and high-speed internet available. Verizon services have recently been introduced to beginning of the community recently. You can legally go out on your golfcart through the main gate and cross 441, plus An additional resident gate takes you directly into a plaza which offers many more amenities. Additional gated parking available for RVs or trailers located in the back of the community, at an additional low cost. Community Activities: The clubhouse offers planned activities throughout the year and various groups to join. The groups also offer outdoor planned activities during the year. The villages are just a few miles away, for additional entertainment, great eateries and shopping. Please contact me for an in-person or virtual tour of the property today.

8. 2024-03-18
   price $239,900 2649-char remark

   Show marketing remark (2649 chars)

   PRICE IMPROVEMENT! Welcome home to Spruce Creek South 55+ gated golfcart community. This Conveniently located Pecan model home with 2 bedrooms, 2 bathrooms, and a 2-1/2-car garage. In 2018 an additional 14x24 garage was added to the left of the original one. This home is Situated on an oversized 1/4-acre lot with no rear neighbors, and a fence behind the yard. Features a front porch, lanai, patio, and partially fenced-in yard behind the home. Newer roof 2019, and Newer Water heater 2019, The 2014 HVAC is in very good working condition, the condenser pump just got professionally cleaned recently in 2023 and has always been maintained yearly. The primary bedroom has the en-suite bathroom, and a walk-in closet. The guest bedroom has a separate bathroom right across from it. Part of the house features laminate flooring with porcelain tile for the bathrooms, and carpet for the bedrooms. The kitchen has upgrades including, granite counters, tray ceiling and newer cabinetry. Large front window provides ample natural light which is always a bonus. Community Features: Located in the sought-after 55+ community of Spruce Creek South in Summerfield, Central Florida. Close to amenities and services, just minutes away from HWY 441. Gated golf course and golf cart community with guard on duty in the front gate, and security drives around the security 21/7. Convenient access to various establishments, including dentists, banks, doctors, Walmart, BJ's, gas stations, retail shops, hair and nail salons, many restaurants, doctors, Lowe's, and more. Clubhouse with heated pool, fitness center, his and hers spa, billiard room, craft room, game rooms, event room, kitchen and more. .. Outdoor amenities include tennis courts, softball field, shuffleboard, golf course, doggy trails, walking and biking trails, air gun club activities, and more. Options on cable, satellite, and high-speed internet available. Verizon services have recently been introduced to beginning of the community recently. You can legally go out on your golfcart through the main gate and cross 441, plus An additional resident gate takes you directly into a plaza which offers many more amenities. Additional gated parking available for RVs or trailers located in the back of the community, at an additional low cost. Community Activities: The clubhouse offers planned activities throughout the year and various groups to join. The groups also offer outdoor planned activities during the year. The villages are just a few miles away, for additional entertainment, great eateries and shopping. Please contact me for an in-person or virtual tour of the property today.

9. 2024-02-05
   listed $244,900 Active 2649-char remark

   Show marketing remark (2649 chars)

   PRICE IMPROVEMENT! Welcome home to Spruce Creek South 55+ gated golfcart community. This Conveniently located Pecan model home with 2 bedrooms, 2 bathrooms, and a 2-1/2-car garage. In 2018 an additional 14x24 garage was added to the left of the original one. This home is Situated on an oversized 1/4-acre lot with no rear neighbors, and a fence behind the yard. Features a front porch, lanai, patio, and partially fenced-in yard behind the home. Newer roof 2019, and Newer Water heater 2019, The 2014 HVAC is in very good working condition, the condenser pump just got professionally cleaned recently in 2023 and has always been maintained yearly. The primary bedroom has the en-suite bathroom, and a walk-in closet. The guest bedroom has a separate bathroom right across from it. Part of the house features laminate flooring with porcelain tile for the bathrooms, and carpet for the bedrooms. The kitchen has upgrades including, granite counters, tray ceiling and newer cabinetry. Large front window provides ample natural light which is always a bonus. Community Features: Located in the sought-after 55+ community of Spruce Creek South in Summerfield, Central Florida. Close to amenities and services, just minutes away from HWY 441. Gated golf course and golf cart community with guard on duty in the front gate, and security drives around the security 21/7. Convenient access to various establishments, including dentists, banks, doctors, Walmart, BJ's, gas stations, retail shops, hair and nail salons, many restaurants, doctors, Lowe's, and more. Clubhouse with heated pool, fitness center, his and hers spa, billiard room, craft room, game rooms, event room, kitchen and more. .. Outdoor amenities include tennis courts, softball field, shuffleboard, golf course, doggy trails, walking and biking trails, air gun club activities, and more. Options on cable, satellite, and high-speed internet available. Verizon services have recently been introduced to beginning of the community recently. You can legally go out on your golfcart through the main gate and cross 441, plus An additional resident gate takes you directly into a plaza which offers many more amenities. Additional gated parking available for RVs or trailers located in the back of the community, at an additional low cost. Community Activities: The clubhouse offers planned activities throughout the year and various groups to join. The groups also offer outdoor planned activities during the year. The villages are just a few miles away, for additional entertainment, great eateries and shopping. Please contact me for an in-person or virtual tour of the property today.

10. 2017-02-01
    soldstatus $80,100
11. 2017-01-19
    soldstatus $80,100 458-char remark

    Show marketing remark (458 chars)

    Great home in Gated Over 55 community with golf cart access to all parts of the Development, short walk to Pool and community center, Home Features a large master and master bath, L shaped Living room and dining room with great view, nice Florida Room with tree buffer at back of Home and large lot. Home is bank owned and price reflects, carpets, and updating that will need to be done. All measurement are assumed correct but Need to verify for yourself.

12. 2016-12-09
    listed $79,900 458-char remark

    Show marketing remark (458 chars)

    Great home in Gated Over 55 community with golf cart access to all parts of the Development, short walk to Pool and community center, Home Features a large master and master bath, L shaped Living room and dining room with great view, nice Florida Room with tree buffer at back of Home and large lot. Home is bank owned and price reflects, carpets, and updating that will need to be done. All measurement are assumed correct but Need to verify for yourself.

13. 1990-09-01
    soldstatus $55,624

ⓘ 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: $1,757 · $146/mo
• Projected year-2 tax: $1,825 · $152/mo
• Expected delta: +$69/yr (+$6/mo · 3.9%)

ⓘ 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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,370
• − Mortgage interest: −$12,318
• − Property taxes: −$1,757
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,950
• − Management: −$1,950
• − HOA: −$2,148
• − Depreciation: −$6,397
• Taxable loss: −$3,249
• Est. tax savings @ 24.0%: +$780
• After-tax cash flow: $1,189/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 — The Villages

• Score: 70/100
• State rank: #431
• US rank: #7363

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 83,973
• Metro: Ocala, FL
• Population (ZIP): 33,318
• Household income: $66,679
• Rent vs Own: 13.2% rent · 86.8% own
• Severe rent burden: 256.0

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 (77%)
• Race & ethnicity: White 77% Hispanic / Latino 14% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Slovak 2% Romanian 2%
• Foreign-born: 8% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 11% Vietnamese 1% French/Haitian/Cajun 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: ▼ -107.67%
• Current HPI: 200.0792
• Rent YoY: —
• 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

+295.3% since first listed

13 events — show timeline

• 2026-05-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-29 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-12 Price Changed $232,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-07 Listed $244,900 Stellar MLS as Distributed by MLS Grid
• 2024-04-23 Sold (Public Records) $235,000 Public Records
• 2024-04-22 Sold (MLS) $235,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-21 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-03-18 Price Changed $239,900 Stellar MLS as Distributed by MLS Grid
• 2024-02-05 Listed $244,900 Stellar MLS as Distributed by MLS Grid
• 2017-02-01 Sold (Public Records) $80,100 Public Records
• 2017-01-19 Sold (MLS) $80,100 Stellar MLS as Distributed by MLS Grid
• 2016-12-09 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 1990-09-01 Sold (Public Records) $55,624 Public Records

Property tax history

+8.4%/yr

Latest (2025): $1,757 · +31.1% YoY. Source: county tax records.