2901 SW 91st St · Liberty Triangle, FL 34476

$79,900

2 bd · 2.0 ba · 920 sqft · Manufactured public records · 45 Days on market

Built 1971 8,276 sqft lot $87/sqft · at area comps Est $79k · at est. $4/mo HOA

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.1/15.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming and affordable opportunity in Ocala! This 2-bedroom, 2-bath mobile home sits on its own land--no lot rent, giving you true ownership and long-term value. Major updates completed in 2021 provide peace of mind, including a new water heater, refrigerator, stove, central A/C system, water well, all new plumbing and electrical panel. While the home may need minimal TLC, the big-ticket items have already been taken care of making this a smart and practical investment. The functional layout offers comfortable living spaces suitable for full-time residents, seasonal use, or rental potential. Enjoy a quiet setting conveniently located near shopping, dining, and major roadways, this property

Key facts

• New stove
• New plumbing
• New water well

Tags

• NEW WATER HEATER
• NEW REFRIGERATOR
• NEW STOVE
• NEW CENTRAL A/C SYSTEM
• NEW WATER WELL
• NEW PLUMBING

Property features AI

Finance

• Other: Property type: Residential mobile home; Zoning: R4; Lot is paved and in county; lot dimensions about 80 x 106 (approximately 0.19 acres)
• HOA & community: Optional association (Southgate Manor / William Wolf) with $50 annual fee ($4.17/month); Pets allowed

Exterior

• Parking: Carport (1 space)
• Utilities: Private water source; Septic tank; Cable available; Electricity connected
• Home design: Residential mobile home (single wide); One story; Faces south; Entry level: One
• Construction: Metal siding; Membrane and metal roof; Pillar/Post/Pier foundation; Built on single-wide body type
• Exterior features: Private mailbox; Shed(s)

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Thermostat; Window treatments; Blinds
• Laundry & utility: Outdoor laundry area

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $80k.

Deal economics

• At list price, monthly cash flow is $647 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.
• Cap rate 16.0% vs local median 4.5% in Liberty Triangle — 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 B — 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.
• Zoned schools: West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL).
• Market conditions: Rents soft (-2.6%/yr); 852 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 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 $552 of loan paydown is wiped out by about $2k 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 + 0.0% rent growth), your $22k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $18k; list at $80k implies a 344% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $77,503 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 1.93% ✓
• Cap rate: 16.01%
• Cash-on-cash: 34.71%
• DSCR: 2.54
• GRM: 4.3

CMA / ARV

• ARV (median comp): $79,227
• List price: $79,900
• Delta: 0.85%
• Verdict: FAIR
• Comps: 3 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3143 SW 92nd Ln	0.26mi	2/2.0	990 (+8%)	1mo	$70,000	$71	74
9081 SW 32nd Ter	0.33mi	2/1.0	864 (-6%)	9mo	$80,000	$93	62

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: 26.7%
• Equity multiple: 2.06×
• Total profit: $23,787
• Equity at exit: $11,913

10-year hold

• IRR: 32.4%
• Equity multiple: 3.52×
• Total profit: $56,482
• Equity at exit: $6,908

Cash invested: $22,372 (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 34476

• Rents YoY: -2.6%
• Active inventory: 852
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,539 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$113 /mo · $1,352/yr
• Insurance: −$33
• HOA: −$4
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $647

Break-even live

Break-even rent $720

Max offer price $79,900

Occupancy floor 53%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8880 SW 27th Ave Ocala, FL	2.0–3.0	2.0	1178	$1,299	$1.10	21d	1	0.28mi
3085 SW 97th St Unit 2 Ocala, FL	2.0	1.0	960	$1,049	$1.09	14d	1	0.58mi

HOA detail

• Monthly dues: $4 · $48/yr
• Likely covers: waterelectric

Listing history 18 events

1. 2026-06-18
   days on market $79,900 Active 45 DOM
2. 2026-06-17
   days on market $79,900 Active 44 DOM
3. 2026-06-16
   days on market $79,900 Active 43 DOM
4. 2026-06-15
   price $79,900 Active 42 DOM
5. 2026-06-15
   days on market $82,900 Active 42 DOM
6. 2026-06-14
   days on market $82,900 Active 40 DOM
7. 2026-06-13
   days on market $82,900 Active 39 DOM
8. 2026-06-10
   days on market $82,900 Active 37 DOM
9. 2026-06-09
   days on market $82,900 Active 36 DOM
10. 2026-06-08
    days on market $82,900 Active 35 DOM
11. 2026-06-07
    days on market $82,900 Active 34 DOM
12. 2026-06-03
    days on market $82,900 Active 30 DOM
13. 2026-06-02
    days on market $82,900 Active 29 DOM
14. 2026-06-01
    days on market $82,900 Active 28 DOM
15. 2026-05-31
    days on market $82,900 Active 27 DOM
16. 2026-05-30
    days on market $82,900 Active 26 DOM
17. 2026-05-04
    listed $84,800 Active 888-char remark
18. 1994-02-02
    soldstatus $18,000

ⓘ 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: $1,352 · $113/mo
• Projected year-2 tax: $1,352 · $113/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 · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,472
• − Mortgage interest: −$4,476
• − Property taxes: −$1,352
• − Insurance: −$400
• − Repairs & maintenance: −$1,478
• − Management: −$1,478
• − HOA: −$48
• − Depreciation: −$2,324
• Taxable income: $6,916
• Est. tax owed @ 24.0%: −$1,660
• After-tax cash flow: $6,105/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 — Liberty Triangle

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

Census & demographics

• County: Marion County · 315,796 people
• City population: 26,397
• Metro: Ocala, FL
• Population (ZIP): 28,997
• Household income: $65,860
• Rent vs Own: 12.3% rent · 87.7% own
• Severe rent burden: 204.0

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: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 63% Hispanic / Latino 18% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 8% Cuban 3%
• Common ancestry: Romanian 3% Slovak 3% Lithuanian 3%
• Foreign-born: 15% · Canada, Jamaica, Dominican Republic
• Languages at home: 83% English-only · Spanish 14% Other Indo-European 1% 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: ▼ -105.22%
• Current HPI: 189.0869
• Rent YoY: ▼ -2.57%
• 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

+343.9% since first listed

4 events — show timeline

• 2026-06-15 Price Changed $79,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-27 Price Changed $82,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-04 Listed $84,800 Stellar MLS as Distributed by MLS Grid
• 1994-02-02 Sold (Public Records) $18,000 Public Records

Property tax history

+8.4%/yr

Latest (2025): $1,352 · +15.6% YoY. Source: county tax records.