1921 NW 50th Cir · Ocala, FL 34482

$187,900

2 bd · 1.0 ba · 825 sqft · SingleFamily public records · 259 Days on market

Built 1995 4,356 sqft lot $228/sqft · at area comps Est $216k · 13% under $294/mo HOA · 14% 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 +15.0/30.0
• ARV discount +13.4/15.0
• 1% rule +6.1/10.0
• Rent growth +5.0/5.0
• DSCR +4.6/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Get ready to pack your bags because this gem is MOVE-IN READY! This charming 2Bd/2BA home is sparkling clean and flaunts an open floor plan that is very inviting. Furry friends will love the private fenced backyard, perfect for their outdoor adventures! Inside, you'll find luxury-engineered vinyl plank flooring that’s as easy on the eyes as it is to clean. The kitchen and dining areas are cozy, and the living area flows right into the backyard with sliding glass doors that lead to the lanai—a perfect spot for sipping morning coffee while soaking up the early sunshine! The Master Bedroom boasts a spacious closet and those same great sliding glass doors to the screened-in lanai. The guest bedroom has a front yard view and a roomy closet to store all your goodies, and the guest bathroom has had a recent makeover with a chic new shower. This home features a newer roof (April 2017), an updated A/C and hot water tank (2021), and a shiny new refrigerator, this home is like a breath of fresh air—with new lighting, ceiling fans, and a splash of paint to boot! Outside, enjoy low-maintenance living with irrigation systems, rain gutters, and attractive stone edging. Situated in the fabulous Ocala Palms, a gated active 55+ community, you’ll find an 18-hole golf course for golf lovers and a swanky clubhouse that’s 19,000 square feet of fun! Get ready for a fitness center, Olympic-sized outdoor pool, hot tub, arts & crafts studio, and a slew of activities from pickleball to bocce ball. Plus, it’s conveniently located near shopping, dining, and healthcare. For adventure seekers, Ocala offers year-round festivals, canoeing, and horseback riding, and is just a hop, skip, and jump from theme parks like Disney and Universal Studios!

Key facts

• Hot water tank
• Newer roof
• Sliding glass doors

Tags

• PRIVATE FENCED BACKYARD
• SLIDING GLASS DOORS
• SCREENED-IN LANAI
• NEWER ROOF
• UPDATED A/C
• HOT WATER TANK

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $188k.

Deal economics

• At list price, monthly cash flow is $57 ($684/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $188k).
• Recommended offer: $165k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.7% 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; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 38% 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 $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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $53k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 259 days — a 12% lower offer ($165k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 22y 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 $155k; 21% 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; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $165,352 (12.0% below list)

Questions for the listing agent

1. It's been on market 259 days. Have you received any prior offers? Is the seller open to a 12% 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: 1.11% ✓
• Cap rate: 6.66%
• Cash-on-cash: 1.30%
• DSCR: 1.06
• GRM: 7.5

CMA / ARV

• ARV (median comp): $216,190
• List price: $187,900
• Delta: -13.09%
• Verdict: UNDERPRICED
• Comps: 11 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -7.6%
• Equity multiple: 0.70×
• Total profit: $-15,600
• Equity at exit: $28,017

10-year hold

• IRR: 8.3%
• Equity multiple: 1.80×
• Total profit: $42,039
• Equity at exit: $16,246

Cash invested: $52,612 (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: 7.5×

Monthly cashflow live

• Estimated rent: $2,083 high
• Mortgage (P&I): −$985
• Tax from tax record: −$231 /mo · $2,768/yr
• Insurance: −$78
• HOA: −$294
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $57

Break-even live

Break-even rent $2,011

Max offer price $187,900

Occupancy floor 92%

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: $46,975
• Closing costs: $5,637
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	21d	1	0.01mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	21d	1	0.04mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	0.05mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	0.06mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	14d	1	0.36mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	21d	1	0.36mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	21d	1	0.81mi

HOA detail

• Monthly dues: $294 · $3,528/yr
• Likely covers: waterpoolgymsecurity

Listing history 37 events

1. 2026-06-18
   days on market $187,900 Active 259 DOM
2. 2026-06-17
   days on market $187,900 Active 258 DOM
3. 2026-06-16
   days on market $187,900 Active 257 DOM
4. 2026-06-15
   days on market $187,900 Active 256 DOM
5. 2026-06-14
   days on market $187,900 Active 254 DOM
6. 2026-06-13
   days on market $187,900 Active 253 DOM
7. 2026-06-10
   days on market $187,900 Active 251 DOM
8. 2026-06-09
   days on market $187,900 Active 250 DOM
9. 2026-06-08
   days on market $187,900 Active 249 DOM
10. 2026-06-07
    days on market $187,900 Active 248 DOM
11. 2026-06-03
    days on market $187,900 Active 244 DOM
12. 2026-06-02
    pricedays on market $187,900 Active 243 DOM
13. 2026-05-31
    days on market $189,900 Active 241 DOM
14. 2026-05-30
    days on market $189,900 Active 240 DOM
15. 2025-11-09
    price $189,900 1784-char remark

    Show marketing remark (1784 chars)

    Get ready to pack your bags because this gem is MOVE-IN READY! This charming 2Bd/2BA home is sparkling clean and flaunts an open floor plan that is very inviting. Furry friends will love the private fenced backyard, perfect for their outdoor adventures! Inside, you'll find luxury-engineered vinyl plank flooring that’s as easy on the eyes as it is to clean. The kitchen and dining areas are cozy, and the living area flows right into the backyard with sliding glass doors that lead to the lanai—a perfect spot for sipping morning coffee while soaking up the early sunshine! The Master Bedroom boasts a spacious closet and those same great sliding glass doors to the screened-in lanai. The guest bedroom has a front yard view and a roomy closet to store all your goodies, and the guest bathroom has had a recent makeover with a chic new shower. This home features a newer roof (April 2017), an updated A/C and hot water tank (2021), and a shiny new refrigerator, this home is like a breath of fresh air—with new lighting, ceiling fans, and a splash of paint to boot! Outside, enjoy low-maintenance living with irrigation systems, rain gutters, and attractive stone edging. Situated in the fabulous Ocala Palms, a gated active 55+ community, you’ll find an 18-hole golf course for golf lovers and a swanky clubhouse that’s 19,000 square feet of fun! Get ready for a fitness center, Olympic-sized outdoor pool, hot tub, arts & crafts studio, and a slew of activities from pickleball to bocce ball. Plus, it’s conveniently located near shopping, dining, and healthcare. For adventure seekers, Ocala offers year-round festivals, canoeing, and horseback riding, and is just a hop, skip, and jump from theme parks like Disney and Universal Studios!

16. 2025-10-02
    listed $194,900 Active 1784-char remark

    Show marketing remark (1784 chars)

    Get ready to pack your bags because this gem is MOVE-IN READY! This charming 2Bd/2BA home is sparkling clean and flaunts an open floor plan that is very inviting. Furry friends will love the private fenced backyard, perfect for their outdoor adventures! Inside, you'll find luxury-engineered vinyl plank flooring that’s as easy on the eyes as it is to clean. The kitchen and dining areas are cozy, and the living area flows right into the backyard with sliding glass doors that lead to the lanai—a perfect spot for sipping morning coffee while soaking up the early sunshine! The Master Bedroom boasts a spacious closet and those same great sliding glass doors to the screened-in lanai. The guest bedroom has a front yard view and a roomy closet to store all your goodies, and the guest bathroom has had a recent makeover with a chic new shower. This home features a newer roof (April 2017), an updated A/C and hot water tank (2021), and a shiny new refrigerator, this home is like a breath of fresh air—with new lighting, ceiling fans, and a splash of paint to boot! Outside, enjoy low-maintenance living with irrigation systems, rain gutters, and attractive stone edging. Situated in the fabulous Ocala Palms, a gated active 55+ community, you’ll find an 18-hole golf course for golf lovers and a swanky clubhouse that’s 19,000 square feet of fun! Get ready for a fitness center, Olympic-sized outdoor pool, hot tub, arts & crafts studio, and a slew of activities from pickleball to bocce ball. Plus, it’s conveniently located near shopping, dining, and healthcare. For adventure seekers, Ocala offers year-round festivals, canoeing, and horseback riding, and is just a hop, skip, and jump from theme parks like Disney and Universal Studios!

17. 2025-07-31
    historical
18. 2025-04-22
    price $196,900
19. 2025-03-15
    price $199,900
20. 2025-02-14
    listed $212,800 Active
21. 2024-12-12
    historical
22. 2024-09-18
    price $212,800
23. 2024-06-26
    status Active
24. 2024-06-16
    historical
25. 2024-06-14
    listed $212,900 Active
26. 2024-05-31
    historical
27. 2024-04-06
    price $212,900
28. 2024-03-20
    price $214,900
29. 2024-02-18
    price $219,900
30. 2023-11-06
    historical
31. 2023-10-21
    listed $224,900 Active
32. 2021-10-19
    soldstatus $155,000
33. 2021-09-10
    soldstatus $120,000
34. 2004-09-16
    soldstatus $86,500
35. 2004-09-13
    soldstatus $89,000
36. 2004-03-19
    listed $89,900
37. 2000-01-12
    soldstatus $62,500

ⓘ 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: $2,768 · $231/mo
• Projected year-2 tax: $2,768 · $231/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 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: $24,993
• − Mortgage interest: −$10,525
• − Property taxes: −$2,768
• − Insurance: −$940
• − Repairs & maintenance: −$1,999
• − Management: −$1,999
• − HOA: −$3,528
• − Depreciation: −$5,466
• Taxable loss: −$2,233
• Est. tax savings @ 24.0%: +$536
• After-tax cash flow: $1,220/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

+203.8% since first listed

23 events — show timeline

• 2025-11-09 Price Changed $189,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-02 Listed $194,900 Stellar MLS as Distributed by MLS Grid
• 2025-07-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-04-22 Price Changed $196,900 Stellar MLS as Distributed by MLS Grid
• 2025-03-15 Price Changed $199,900 Stellar MLS as Distributed by MLS Grid
• 2025-02-14 Listed $212,800 Stellar MLS as Distributed by MLS Grid
• 2024-12-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-09-18 Price Changed $212,800 Stellar MLS as Distributed by MLS Grid
• 2024-06-26 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-06-16 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-06-14 Listed $212,900 Stellar MLS as Distributed by MLS Grid
• 2024-05-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-04-06 Price Changed $212,900 Stellar MLS as Distributed by MLS Grid
• 2024-03-20 Price Changed $214,900 Stellar MLS as Distributed by MLS Grid
• 2024-02-18 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2023-11-06 Rental Removed — Avail
• 2023-10-21 Listed $224,900 Stellar MLS as Distributed by MLS Grid
• 2021-10-19 Sold (Public Records) $155,000 Public Records
• 2021-09-10 Sold (Public Records) $120,000 Public Records
• 2004-09-16 Sold (Public Records) $86,500 Public Records
• 2004-09-13 Sold (MLS) $89,000 Stellar MLS as Distributed by MLS Grid
• 2004-03-19 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 2000-01-12 Sold (Public Records) $62,500 Public Records

Property tax history

+16.6%/yr

Latest (2025): $2,768 · +10.1% YoY. Source: county tax records.