563 SW 78th Ct · Ocala, FL 34474

$210,000

3 bd · 2.0 ba · 1,800 sqft · Manufactured public records · 106 Days on market

Built 2004 0.25 ac lot $117/sqft · 35% above area Est $155k · 35% over $200/mo HOA · 8% of rent

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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 +25.6/30.0
• DSCR +8.5/10.0
• 1% rule +7.1/10.0
• 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

Well-maintained 3-bedroom, 2-bath home with 1,800 sq ft located in the 55+ community of The Falls of Ocala. The home features an open floor plan with vaulted ceilings, abundant natural light, and luxury vinyl plank flooring throughout the main living areas. The kitchen offers ample cabinetry, generous counter space, stainless appliances, and a walk-in pantry. The primary suite includes a large walk-in closet and updated bathroom with dual vanities and a walk-in shower. Two additional bedrooms provide space for guests, along with a separate hobby or man cave room that could also serve as a craft room or home office. Additional features include an indoor laundry room with utility sink, a front garage with two bays (one standard and one RV-height), and a rear workshop located behind the home for hobbies, tools, or storage. Community amenities include a clubhouse, pool, shuffleboard, and firepit area. HOA covers lawn service, water, and sewer. Conveniently located near shopping, dining, and medical facilities.

Key facts

• Open floor plan
• Ample cabinetry
• Natural light

Tags

• OPEN FLOOR PLAN
• VAULTED CEILINGS
• NATURAL LIGHT
• LUXURY VINYL PLANK FLOORING
• AMPLE CABINETRY
• GENEROUS COUNTER SPACE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $210k.

Deal economics

• At list price, monthly cash flow is $496 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $210k).
• Recommended offer: $191k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.1% 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 flat; 295 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).
• At $2,546/mo this rent would consume 47% of the median local household income ($65k/yr) (locally 1062% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 106 days — a 9% lower offer ($191k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 7y ago 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.
• Current owner paid $115k; list at $210k implies a 83% 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→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $191,100 (9.0% below list)

Questions for the listing agent

1. It's been on market 106 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. 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: 1.21% ✓
• Cap rate: 9.12%
• Cash-on-cash: 10.11%
• DSCR: 1.45
• GRM: 6.9

CMA / ARV

• ARV (median comp): $155,483
• List price: $210,000
• Delta: 35.06%
• Verdict: OVERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.12% rent growth · sell at horizon

5-year hold

• IRR: -4.5%
• Equity multiple: 0.84×
• Total profit: $-9,557
• Equity at exit: $31,312

10-year hold

• IRR: 1.4%
• Equity multiple: 1.08×
• Total profit: $4,861
• Equity at exit: $18,157

Cash invested: $58,800 (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 34474

• Home prices YoY: -28.4%
• Rents YoY: 0.1%
• Active inventory: 295
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $2,546 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$127 /mo · $1,522/yr
• Insurance: −$88
• HOA: −$200
• Vacancy / Maint / Mgmt: −$535
• Net cashflow: $496

Break-even live

Break-even rent $1,918

Max offer price $210,000

Occupancy floor 76%

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7180 SW 19th Pl Ocala, FL	4.0	2.0	1940	$1,900	$0.98	13d	1	1.12mi
7710 NW 14th St Ocala, FL	3.0	3.0	1521	$4,500	$2.96	21d	1	1.31mi

HOA detail

• Monthly dues: $200 · $2,400/yr
• Likely covers: watersewerpool

Listing history 20 events

1. 2026-06-18
   days on market $210,000 Active 106 DOM
2. 2026-06-17
   days on market $210,000 Active 105 DOM
3. 2026-06-16
   days on market $210,000 Active 104 DOM
4. 2026-06-15
   pricedays on market $210,000 Active 103 DOM
5. 2026-06-14
   days on market $215,000 Active 101 DOM
6. 2026-06-13
   days on market $215,000 Active 100 DOM
7. 2026-06-10
   days on market $215,000 Active 98 DOM
8. 2026-06-09
   days on market $215,000 Active 97 DOM
9. 2026-06-08
   days on market $215,000 Active 96 DOM
10. 2026-06-07
    days on market $215,000 Active 95 DOM
11. 2026-06-03
    days on market $215,000 Active 91 DOM
12. 2026-06-02
    days on market $215,000 Active 90 DOM
13. 2026-06-01
    days on market $215,000 Active 89 DOM
14. 2026-05-31
    days on market $215,000 Active 88 DOM
15. 2026-05-30
    days on market $215,000 Active 87 DOM
16. 2026-03-04
    listed $215,000 Active 1021-char remark

    Show marketing remark (1021 chars)

    Well-maintained 3-bedroom, 2-bath home with 1,800 sq ft located in the 55+ community of The Falls of Ocala. The home features an open floor plan with vaulted ceilings, abundant natural light, and luxury vinyl plank flooring throughout the main living areas. The kitchen offers ample cabinetry, generous counter space, stainless appliances, and a walk-in pantry. The primary suite includes a large walk-in closet and updated bathroom with dual vanities and a walk-in shower. Two additional bedrooms provide space for guests, along with a separate hobby or man cave room that could also serve as a craft room or home office. Additional features include an indoor laundry room with utility sink, a front garage with two bays (one standard and one RV-height), and a rear workshop located behind the home for hobbies, tools, or storage. Community amenities include a clubhouse, pool, shuffleboard, and firepit area. HOA covers lawn service, water, and sewer. Conveniently located near shopping, dining, and medical facilities.

17. 2019-11-25
    soldstatus $115,000 538-char remark

    Show marketing remark (538 chars)

    Come experience the Lifestyle at The Falls of Ocala. A superb 55+ Adult Community were your surrounded by Thoroughbred Horse Farms, Huge Oak Trees and the World Equistrian Center. Then nestled away is a 2004 Skyline Double Wide Mobile Home that includes a New Roof 2016 and New A/C 2016. This 3 Bedrooms, 2 Bathrooms, Den, Fireplace, Double Pane Windows, Laundry Room, Pantry, Storage Unit, 2 Car Garage, Water Sprinkler System PLUS an Exclusive Walk in Tub is a must see!! Don't let this opportunity to live in Horse Country pass you by.

18. 2019-09-18
    listed $119,900 538-char remark

    Show marketing remark (538 chars)

    Come experience the Lifestyle at The Falls of Ocala. A superb 55+ Adult Community were your surrounded by Thoroughbred Horse Farms, Huge Oak Trees and the World Equistrian Center. Then nestled away is a 2004 Skyline Double Wide Mobile Home that includes a New Roof 2016 and New A/C 2016. This 3 Bedrooms, 2 Bathrooms, Den, Fireplace, Double Pane Windows, Laundry Room, Pantry, Storage Unit, 2 Car Garage, Water Sprinkler System PLUS an Exclusive Walk in Tub is a must see!! Don't let this opportunity to live in Horse Country pass you by.

19. 2005-08-04
    soldstatus $27,500
20. 2003-12-17
    soldstatus $600,000

ⓘ 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: $1,522 · $127/mo
• Projected year-2 tax: $1,743 · $145/mo
• Expected delta: +$221/yr (+$18/mo · 14.5%)

ⓘ 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 ≥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: $30,550
• − Mortgage interest: −$11,763
• − Property taxes: −$1,522
• − Insurance: −$1,050
• − Repairs & maintenance: −$2,444
• − Management: −$2,444
• − HOA: −$2,400
• − Depreciation: −$6,109
• Taxable income: $2,817
• Est. tax owed @ 24.0%: −$676
• After-tax cash flow: $5,271/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): 20,258
• Household income: $65,291
• Rent vs Own: 55.8% rent · 44.2% own
• Severe rent burden: 1062.0

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 0.64)
• Race & ethnicity: White 52% Hispanic / Latino 25% Black 13% Two or more races 8% Asian 8%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 1%
• Foreign-born: 21% · Canada, Jamaica, Vietnam
• Languages at home: 71% English-only · Spanish 22% Other Indo-European 4% Vietnamese 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: ▼ -78.16%
• Current HPI: 196.5607
• Rent YoY: ▲ 0.12%
• 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

-64.2% since first listed

5 events — show timeline

• 2026-03-04 Listed $215,000 Stellar MLS as Distributed by MLS Grid
• 2019-11-25 Sold (MLS) $115,000 Stellar MLS as Distributed by MLS Grid
• 2019-09-18 Listed $119,900 Stellar MLS as Distributed by MLS Grid
• 2005-08-04 Sold (Public Records) $27,500 Public Records
• 2003-12-17 Sold (Public Records) $600,000 Public Records

Property tax history

+7.3%/yr

Latest (2025): $1,522 · +18.4% YoY. Source: county tax records.