5899 NW 27th Pl · Ocala, FL 34482

$259,900

2 bd · 2.0 ba · 1,825 sqft · SingleFamily public records · 202 Days on market

Built 2006 5,663 sqft lot $142/sqft · 17% below area Est $313k · 17% under $295/mo HOA · 13% of rent ↓ 4% since listing

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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).

• ARV discount +15.0/15.0
• Cash flow +11.9/30.0
• Rent growth +5.0/5.0
• 1% rule +4.1/10.0
• Schools +3.6/10.0
• DSCR +3.5/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to resort-style living in the highly sought-after 55+ gated community of Ocala Palms! This beautifully maintained 2 bedroom, 2 bath home with a LARGE BONUS ROOM (perfect as an office, guest room, or hobby space) offers 1,825 square foot of comfort, upgrades, and privacy — with no rear neighbors and a FULLY FENCED backyard ideal for pets. Step inside and immediately notice there is NO carpet—only luxury vinyl plank and tile flooring throughout! The upgraded kitchen features stone countertops, premium cabinetry, stainless steel appliances, and updated lighting, making it the perfect spot for cooking and entertaining. The spacious primary suite includes a huge walk-in closet with custom built-ins and an updated ensuite bath. Enjoy morning coffee or evening relaxation in the expansive 25’ x 8’ Four Seasons Florida Room, complete with glass and screens for year-round enjoyment. Additional highlights include: * Brand NEW Roof * Fantastic layout with split bedrooms * Large bonus flex room * Private, fenced backyard with peaceful views * Bright and open living spaces * Low-maintenance flooring throughout. Located in Ocala Palms, a gated and guarded 55+ community offering top-tier amenities: * Clubhouse * Community pool * Fitness center * Golf course * Activities & social clubs galore This home checks all the boxes for comfort, privacy, and an active lifestyle. Don’t miss your chance to own one of the best values in Ocala Palms! Schedule your private tour today.

Key facts

• Gated community
• Stone countertops
• Premium cabinetry

Tags

• GATED COMMUNITY
• FULLY FENCED BACKYARD
• LUXURY VINYL PLANK FLOORING
• STONE COUNTERTOPS
• PREMIUM CABINETRY
• STAINLESS STEEL APPLIANCES

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $-65 ($-784/yr) — negative.
• To cash-flow at today's rent, offer at most $248k (4.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $235k (9.4% below list).
• Recommended offer: $229k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.0% 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 rising fast (+11.1%/yr); 663 active listings in the ZIP; 21 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 43% of the median local income ($66k/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 $8k 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 202 days — a 12% lower offer ($229k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $228,712 (12.0% 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. It's been on market 202 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.91% ✗
• Cap rate: 5.99%
• Cash-on-cash: -1.08%
• DSCR: 0.95
• GRM: 9.2

CMA / ARV

• ARV (median comp): $312,516
• List price: $259,900
• Delta: -16.84%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5942 NW 26th Ln	0.12mi	2/2.0	1,783 (-2%)	15mo	$295,000	$165	78
2570 NW 55th Avenue Rd	0.25mi	2/2.0	1,914 (+5%)	10mo	$297,500	$155	72
5500 NW 23rd Pl	0.47mi	3/2.0 (+1)	1,837 (+1%)	4mo	$245,000	$133	68
5195 NW 21st Loop	0.66mi	3/2.0 (+1)	1,840 (+1%)	8mo	$299,000	$163	56
5711 NW 25th Loop	0.35mi	3/2.0 (+1)	2,080 (+14%)	1mo	$341,000	$164	55
4487 NW 53rd Ave	0.51mi	3/2.5 (+1)	1,894 (+4%)	13mo	$467,990	$247	52
2270 NW 55th Avenue Rd	0.42mi	3/2.0 (+1)	2,055 (+13%)	13mo	$350,000	$170	44
2520 NW 53rd Avenue Rd	0.48mi	3/2.0 (+1)	2,058 (+13%)	11mo	$250,000	$121	42
5391 NW 19th Pl	0.73mi	3/2.0 (+1)	1,715 (-6%)	12mo	$205,000	$120	41
5160 NW 25th Loop	0.64mi	2/2.0	1,569 (-14%)	8mo	$237,500	$151	40
5405 NW 25th Loop	0.43mi	2/2.0	1,590 (-13%)	22mo	$275,000	$173	40
5332 NW 20th Pl	0.73mi	3/2.0 (+1)	2,087 (+14%)	15mo	$210,000	$101	24

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -12.2%
• Equity multiple: 0.54×
• Total profit: $-33,718
• Equity at exit: $38,752

10-year hold

• IRR: 3.4%
• Equity multiple: 1.31×
• Total profit: $22,381
• Equity at exit: $22,471

Cash invested: $72,772 (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 34482

• Rents YoY: 11.1%
• Active inventory: 663
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,355 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$159 /mo · $1,910/yr
• Insurance: −$108
• HOA: −$295
• Vacancy / Maint / Mgmt: −$494
• Net cashflow: $-65

Break-even live

Break-even rent $2,437

Max offer price $248,358

Occupancy floor 98%

Sensitivity live

Price	-10% $82	-5% $8	+0% $-65	+5% $-139	+10% $-212
Rent	-10% $-251	-5% $-158	+0% $-65	+5% $28	+10% $121
Rate	-1.0pp $66	-0.5pp $1	base $-65	+0.5pp $-133	+1.0pp $-201

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: $64,975
• Closing costs: $7,797
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3441 NW 56th Ave Ocala, FL	3.0	3.0	2328	$2,800	$1.20	21d	1	0.58mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	21d	1	0.62mi
3384 NW 54th Ct Ocala, FL	2.0	2.5	1722	$2,300	$1.34	21d	1	0.63mi
5471 NW 34th St Ocala, FL	2.0	2.0	1318	$2,900	$2.20	21d	1	0.65mi
5361 NW 33rd Pl Ocala, FL	2.0	2.0	1318	$2,500	$1.90	21d	1	0.67mi
5333 NW 33rd Pl Ocala, FL	2.0	2.0	1368	$2,300	$1.68	14d	1	0.68mi
5423 NW 35th Lane Rd Ocala, FL	2.0	2.0	1656	$3,200	$1.93	21d	1	0.77mi
3335 NW 52nd Avenue Rd Ocala, FL	2.0	2.5	1318	$2,500	$1.90	21d	1	0.78mi
5191 NW 34th St Ocala, FL	2.0	2.0	1318	$2,400	$1.82	21d	1	0.81mi
5048 NW 35th St Ocala, FL	3.0	2.0	1552	$1,900	$1.22	14d	1	0.91mi
1527 NW 57th Ct Unit 1 Ocala, FL	3.0	2.0	1460	$1,550	$1.06	21d	1	0.93mi
5530 NW 40th Loop Ocala, FL	3.0	2.0	1622	$2,000	$1.23	21d	1	1.05mi
4342 NW 55th Ct Ocala, FL	3.0	2.5	2172	$2,600	$1.20	14d	1	1.21mi
4859 NW 35th Lane Rd Ocala, FL	2.0	2.0	1666	$2,495	$1.50	21d	1	1.23mi
4395 NW 55th Ter Ocala, FL	3.0	2.0	1853	$2,700	$1.46	21d	1	1.25mi
4122 NW 48th Terrace Rd Ocala, FL	2.0	2.0	1816	$1,999	$1.10	14d	1	1.29mi
4452 NW 53rd Ct Ocala, FL	3.0	3.0	2362	$2,800	$1.19	21d	1	1.34mi
4743 NW 39th Street Rd Ocala, FL	3.0	2.0	1565	$2,500	$1.60	21d	1	1.38mi
5521 NW 45th Ln Ocala, FL	3.0	2.0	1862	$2,600	$1.40	14d	1	1.39mi
4530 NW 14th Loop Ocala, FL	3.0	2.5	1966	$2,250	$1.14	14d	1	1.47mi
4110 NW 44th Cir Ocala, FL	3.0	2.0	1610	$2,400	$1.49	14d	1	1.48mi

HOA detail

• Monthly dues: $295 · $3,540/yr
• Likely covers: poolgymsecurity

Listing history 17 events

1. 2026-06-18
   days on market $259,900 Active 202 DOM
2. 2026-06-17
   days on market $259,900 Active 201 DOM
3. 2026-06-16
   days on market $259,900 Active 200 DOM
4. 2026-06-15
   days on market $259,900 Active 199 DOM
5. 2026-06-14
   days on market $259,900 Active 197 DOM
6. 2026-06-13
   days on market $259,900 Active 196 DOM
7. 2026-06-10
   days on market $259,900 Active 194 DOM
8. 2026-06-09
   days on market $259,900 Active 193 DOM
9. 2026-06-08
   days on market $259,900 Active 192 DOM
10. 2026-06-07
    days on market $259,900 Active 191 DOM
11. 2026-06-03
    days on market $259,900 Active 187 DOM
12. 2026-06-02
    days on market $259,900 Active 186 DOM
13. 2026-05-31
    days on market $259,900 Active 184 DOM
14. 2026-05-30
    days on market $259,900 Active 183 DOM
15. 2026-04-10
    price $264,000 1557-char remark

    Show marketing remark (1557 chars)

    Welcome to resort-style living in the highly sought-after 55+ gated community of Ocala Palms! This beautifully maintained 2 bedroom, 2 bath home with a LARGE BONUS ROOM (perfect as an office, guest room, or hobby space) offers 1,825 square foot of comfort, upgrades, and privacy — with no rear neighbors and a FULLY FENCED backyard ideal for pets. Step inside and immediately notice there is NO carpet—only luxury vinyl plank and tile flooring throughout! The upgraded kitchen features stone countertops, premium cabinetry, stainless steel appliances, and updated lighting, making it the perfect spot for cooking and entertaining. The spacious primary suite includes a huge walk-in closet with custom built-ins and an updated ensuite bath. Enjoy morning coffee or evening relaxation in the expansive 25’ x 8’ Four Seasons Florida Room, complete with glass and screens for year-round enjoyment. Additional highlights include: * Brand NEW Roof * Fantastic layout with split bedrooms * Large bonus flex room * Private, fenced backyard with peaceful views * Bright and open living spaces * Low-maintenance flooring throughout. Located in Ocala Palms, a gated and guarded 55+ community offering top-tier amenities: * Clubhouse * Community pool * Fitness center * Golf course * Activities & social clubs galore This home checks all the boxes for comfort, privacy, and an active lifestyle. Don’t miss your chance to own one of the best values in Ocala Palms! Schedule your private tour today.

16. 2026-01-27
    price $268,000 1557-char remark

    Show marketing remark (1557 chars)

    Welcome to resort-style living in the highly sought-after 55+ gated community of Ocala Palms! This beautifully maintained 2 bedroom, 2 bath home with a LARGE BONUS ROOM (perfect as an office, guest room, or hobby space) offers 1,825 square foot of comfort, upgrades, and privacy — with no rear neighbors and a FULLY FENCED backyard ideal for pets. Step inside and immediately notice there is NO carpet—only luxury vinyl plank and tile flooring throughout! The upgraded kitchen features stone countertops, premium cabinetry, stainless steel appliances, and updated lighting, making it the perfect spot for cooking and entertaining. The spacious primary suite includes a huge walk-in closet with custom built-ins and an updated ensuite bath. Enjoy morning coffee or evening relaxation in the expansive 25’ x 8’ Four Seasons Florida Room, complete with glass and screens for year-round enjoyment. Additional highlights include: * Brand NEW Roof * Fantastic layout with split bedrooms * Large bonus flex room * Private, fenced backyard with peaceful views * Bright and open living spaces * Low-maintenance flooring throughout. Located in Ocala Palms, a gated and guarded 55+ community offering top-tier amenities: * Clubhouse * Community pool * Fitness center * Golf course * Activities & social clubs galore This home checks all the boxes for comfort, privacy, and an active lifestyle. Don’t miss your chance to own one of the best values in Ocala Palms! Schedule your private tour today.

17. 2025-11-28
    listed $274,000 Active 1557-char remark

    Show marketing remark (1557 chars)

    Welcome to resort-style living in the highly sought-after 55+ gated community of Ocala Palms! This beautifully maintained 2 bedroom, 2 bath home with a LARGE BONUS ROOM (perfect as an office, guest room, or hobby space) offers 1,825 square foot of comfort, upgrades, and privacy — with no rear neighbors and a FULLY FENCED backyard ideal for pets. Step inside and immediately notice there is NO carpet—only luxury vinyl plank and tile flooring throughout! The upgraded kitchen features stone countertops, premium cabinetry, stainless steel appliances, and updated lighting, making it the perfect spot for cooking and entertaining. The spacious primary suite includes a huge walk-in closet with custom built-ins and an updated ensuite bath. Enjoy morning coffee or evening relaxation in the expansive 25’ x 8’ Four Seasons Florida Room, complete with glass and screens for year-round enjoyment. Additional highlights include: * Brand NEW Roof * Fantastic layout with split bedrooms * Large bonus flex room * Private, fenced backyard with peaceful views * Bright and open living spaces * Low-maintenance flooring throughout. Located in Ocala Palms, a gated and guarded 55+ community offering top-tier amenities: * Clubhouse * Community pool * Fitness center * Golf course * Activities & social clubs galore This home checks all the boxes for comfort, privacy, and an active lifestyle. Don’t miss your chance to own one of the best values in Ocala Palms! Schedule your private tour today.

ⓘ 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: $1,910 · $159/mo
• Projected year-2 tax: $2,157 · $180/mo
• Expected delta: +$247/yr (+$21/mo · 12.9%)

ⓘ 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 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 23 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: $28,254
• − Mortgage interest: −$14,558
• − Property taxes: −$1,910
• − Insurance: −$1,300
• − Repairs & maintenance: −$2,260
• − Management: −$2,260
• − HOA: −$3,540
• − Depreciation: −$7,561
• Taxable loss: −$5,135
• Est. tax savings @ 24.0%: +$1,232
• After-tax cash flow: $448/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): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

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: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% Other Indo-European 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: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• 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

-3.6% since first listed

3 events — show timeline

• 2026-04-10 Price Changed $264,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-27 Price Changed $268,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-28 Listed $274,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.1%/yr

Latest (2025): $1,910 · +14.6% YoY. Source: county tax records.