3214 NW 52nd Avenue Rd · Ocala, FL 34482

$278,975

2 bd · 2.5 ba · 1,722 sqft · SingleFamily public records · 152 Days on market

Built 2026 Excellent condition $162/sqft · 18% above area Est $234k · 19% over ↓ 3% 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).

• Cash flow +17.4/30.0
• DSCR +5.4/10.0
• Rent growth +5.0/5.0
• Condition / age +4.8/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• 1% rule +3.4/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

55+ Home, Home Includes over $66,000 in Upgrades, Gas Whirlpool Appliance Package, Refrigerator , HIghly Upgraded Cabinets with 36" Uppers , 2" Crown on Upper Cabinets, Soft-Close Drawers, Stunning Silestone Countertops Throughout, TIle Backsplash, Upgraded Kitchen Sink & Faucet, Door Trim & Plumbing Package, Upgraded Front Exterior Door, Upgraded Interior Doors Throughout, French Doors at Den, Ceiling Fan Prewires, Additional LED Lighting , Beautiful Upgraded Flooring Throughout, Tile Surround at Primary Shower, Window Blinds Throughout

Key facts

• French doors at den
• Tile backsplash
• 2 garage spots

Tags

• HIGHLY UPGRADED CABINETS
• STUNNING SILESTONE COUNTERTOPS
• TILE BACKSPLASH
• UPGRADED KITCHEN SINK
• UPGRADED FRONT EXTERIOR DOOR
• FRENCH DOORS AT DEN

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath single-family listed at $279k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $209 ($3k/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 $235k (15.9% below list).
• Recommended offer: $235k (15.9% below list) — sets the bar for 1% rule.
• Cap rate 7.2% vs local median 4.1% 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.
• Zoned schools: Howard Middle School (math 47% / reading 50%, grade C-, #274 of 571 statewide, top 50%, 980 students, 60% FRL); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL).
• Market conditions: Rents rising fast (+11.1%/yr); 670 active listings in the ZIP; 35 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 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 152 days — a 12% lower offer ($245k) is reasonable based on typical stale-listing flexibility.

Recommended offer $234,717 (15.9% below list)

Questions for the listing agent

1. It's been on market 152 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.84% ✗
• Cap rate: 7.19%
• Cash-on-cash: 3.21%
• DSCR: 1.14
• GRM: 9.9

CMA / ARV

• ARV (median comp): $233,885
• List price: $278,975
• Delta: 19.28%
• Verdict: OVERPRICED
• Comps: 1 within 2.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4802 NW 39th Street Rd	0.63mi	2/2.0	1,565 (-9%)	1mo	$256,150	$164	53
3901 NW 49th Ct	0.50mi	2/2.0	1,666 (-3%)	20mo	$315,000	$189	53
5160 NW 25th Loop	0.54mi	2/2.0	1,569 (-9%)	8mo	$237,500	$151	52
4811 NW 39th Pl	0.61mi	3/2.0 (+1)	1,844 (+7%)	2mo	$317,665	$172	51
4998 NW 30th Pl	0.30mi	3/2.0 (+1)	1,476 (-14%)	9mo	$259,000	$175	48
5654 NW 37th Lane Rd	0.61mi	2/2.0	1,956 (+14%)	4mo	$440,000	$225	44
4487 NW 53rd Ave	0.52mi	3/2.5 (+1)	1,894 (+10%)	13mo	$467,990	$247	43
5405 NW 25th Loop	0.53mi	2/2.0	1,590 (-8%)	22mo	$275,000	$173	43
5520 NW 26th Ln	0.55mi	3/2.0 (+1)	1,526 (-11%)	8mo	$215,000	$141	42
2570 NW 55th Avenue Rd	0.66mi	2/2.0	1,914 (+11%)	10mo	$297,500	$155	40
5535 NW 23rd Pl	0.75mi	3/2.0 (+1)	1,485 (-14%)	2mo	$280,000	$189	33
2439 NW 55th Avenue Rd	0.72mi	3/2.0 (+1)	1,514 (-12%)	17mo	$240,000	$159	25

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: -6.5%
• Equity multiple: 0.75×
• Total profit: $-19,616
• Equity at exit: $41,596

10-year hold

• IRR: 7.9%
• Equity multiple: 1.72×
• Total profit: $55,969
• Equity at exit: $24,121

Cash invested: $78,113 (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: 670
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,347 high
• Mortgage (P&I): −$1,463
• Tax from tax record: −$66 /mo · $790/yr
• Insurance: −$116
• HOA: −$0
• Vacancy / Maint / Mgmt: −$493
• Net cashflow: $209

Break-even live

Break-even rent $2,082

Max offer price $278,975

Occupancy floor 86%

Sensitivity live

Price	-10% $367	-5% $288	+0% $209	+5% $130	+10% $51
Rent	-10% $24	-5% $116	+0% $209	+5% $302	+10% $395
Rate	-1.0pp $350	-0.5pp $280	base $209	+0.5pp $137	+1.0pp $63

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: $69,744
• Closing costs: $8,369
• Reserves months: —
• Total cash needed: —

Rent comps 35 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3335 NW 52nd Avenue Rd Ocala, FL	2.0	2.5	1318	$2,500	$1.90	23d	1	0.07mi
5333 NW 33rd Pl Ocala, FL	2.0	2.0	1368	$2,300	$1.68	15d	1	0.13mi
5191 NW 34th St Ocala, FL	2.0	2.0	1318	$2,400	$1.82	23d	1	0.14mi
5361 NW 33rd Pl Ocala, FL	2.0	2.0	1318	$2,500	$1.90	23d	1	0.15mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	23d	1	0.18mi
5048 NW 35th St Ocala, FL	3.0	2.0	1552	$1,900	$1.22	15d	1	0.19mi
3384 NW 54th Ct Ocala, FL	2.0	2.5	1722	$2,300	$1.34	23d	1	0.24mi
5471 NW 34th St Ocala, FL	2.0	2.0	1318	$2,900	$2.20	23d	1	0.25mi
5423 NW 35th Lane Rd Ocala, FL	2.0	2.0	1656	$3,200	$1.93	23d	1	0.30mi
4859 NW 35th Lane Rd Ocala, FL	2.0	2.0	1666	$2,495	$1.50	23d	1	0.52mi
4122 NW 48th Terrace Rd Ocala, FL	2.0	2.0	1816	$1,999	$1.10	15d	1	0.63mi
4743 NW 39th Street Rd Ocala, FL	3.0	2.0	1565	$2,500	$1.60	23d	1	0.68mi
5530 NW 40th Loop Ocala, FL	3.0	2.0	1622	$2,000	$1.23	23d	1	0.73mi
4110 NW 44th Cir Ocala, FL	3.0	2.0	1610	$2,400	$1.49	15d	1	0.77mi
4111 NW 44th Cir Ocala, FL	3.0	2.0	1505	$2,300	$1.53	15d	1	0.80mi
4078 NW 44th Cir Ocala, FL	3.0	2.0	1504	$2,500	$1.66	23d	1	0.81mi
4342 NW 55th Ct Ocala, FL	3.0	2.5	2172	$2,600	$1.20	15d	1	0.84mi
4395 NW 55th Ter Ocala, FL	3.0	2.0	1853	$2,700	$1.46	23d	1	0.89mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	23d	1	0.94mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	23d	1	0.95mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	23d	1	0.95mi
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	23d	1	0.98mi
5521 NW 45th Ln Ocala, FL	3.0	2.0	1862	$2,600	$1.40	15d	1	1.02mi
5254 NW 43rd Lane Rd Ocala, FL	3.0	2.0	1728	$3,500	$2.03	23d	1	1.04mi
5347 NW 46th Lane Rd Ocala, FL	3.0	2.0	1552	$2,550	$1.64	23d	1	1.05mi
5416 NW 46th Lane Rd Ocala, FL	3.0	2.0	1590	$2,300	$1.45	15d	1	1.08mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	15d	1	1.11mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	23d	1	1.11mi
5358 NW 48th Pl Ocala, FL	3.0	2.0	1565	$2,500	$1.60	23d	1	1.12mi
5237 NW 48th Pl Ocala, FL	3.0	2.0	1552	$4,500	$2.90	23d	1	1.15mi
5293 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,450	$1.58	23d	1	1.15mi
5375 NW 48th Pl Ocala, FL	2.0	2.0	1565	$2,350	$1.50	23d	1	1.15mi
5389 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,300	$1.48	23d	1	1.15mi
4530 NW 14th Loop Ocala, FL	3.0	2.5	1966	$2,250	$1.14	15d	1	1.30mi
1527 NW 57th Ct Unit 1 Ocala, FL	3.0	2.0	1460	$1,550	$1.06	23d	1	1.44mi

Listing history 17 events

1. 2026-06-22
   days on market $278,975 Active 152 DOM
2. 2026-06-18
   days on market $278,975 Active 149 DOM
3. 2026-06-17
   days on market $278,975 Active 148 DOM
4. 2026-06-16
   days on market $278,975 Active 147 DOM
5. 2026-06-15
   days on market $278,975 Active 146 DOM
6. 2026-06-14
   days on market $278,975 Active 144 DOM
7. 2026-06-13
   days on market $278,975 Active 143 DOM
8. 2026-06-10
   days on market $278,975 Active 141 DOM
9. 2026-06-09
   days on market $278,975 Active 140 DOM
10. 2026-06-08
    days on market $278,975 Active 139 DOM
11. 2026-06-07
    days on market $278,975 Active 138 DOM
12. 2026-06-03
    days on market $278,975 Active 134 DOM
13. 2026-06-02
    days on market $278,975 Active 133 DOM
14. 2026-05-31
    days on market $278,975 Active 131 DOM
15. 2026-05-30
    days on market $278,975 Active 130 DOM
16. 2026-04-01
    price $278,975 565-char remark

    Show marketing remark (565 chars)

    55+ Home, Home Includes over $66,000 in Upgrades, Gas Whirlpool Appliance Package, Refrigerator , HIghly Upgraded Cabinets with 36" Uppers , 2" Crown on Upper Cabinets, Soft-Close Drawers, Stunning Silestone Countertops Throughout, TIle Backsplash, Upgraded Kitchen Sink & Faucet, Door Trim & Plumbing Package, Upgraded Front Exterior Door, Upgraded Interior Doors Throughout, French Doors at Den, Ceiling Fan Prewires, Additional LED Lighting , Beautiful Upgraded Flooring Throughout, Tile Surround at Primary Shower, Window Blinds Throughout

17. 2026-01-20
    listed $288,975 Active 565-char remark

    Show marketing remark (565 chars)

    55+ Home, Home Includes over $66,000 in Upgrades, Gas Whirlpool Appliance Package, Refrigerator , HIghly Upgraded Cabinets with 36" Uppers , 2" Crown on Upper Cabinets, Soft-Close Drawers, Stunning Silestone Countertops Throughout, TIle Backsplash, Upgraded Kitchen Sink & Faucet, Door Trim & Plumbing Package, Upgraded Front Exterior Door, Upgraded Interior Doors Throughout, French Doors at Den, Ceiling Fan Prewires, Additional LED Lighting , Beautiful Upgraded Flooring Throughout, Tile Surround at Primary Shower, Window Blinds Throughout

ⓘ 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: $790 · $66/mo
• Projected year-2 tax: $2,315 · $193/mo
• Expected delta: +$1,525/yr (+$127/mo · 193.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $28,166
• − Mortgage interest: −$15,627
• − Property taxes: −$790
• − Insurance: −$1,395
• − Repairs & maintenance: −$2,253
• − Management: −$2,253
• − Depreciation: −$8,116
• Taxable loss: −$2,268
• Est. tax savings @ 24.0%: +$544
• After-tax cash flow: $3,055/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.

Condition & rehab AI · 6 photos

Excellent 95/100 None rehab

This single-family home is in excellent condition with recent upgrades and a move-in-ready appearance. It offers a great opportunity for both resale and rental markets.

Value-add opportunities

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhances curb appeal and adds value to the property.
• Both Upgrading lighting fixtures — Modernizes the home and improves energy efficiency.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhances curb appeal and adds value to the property. ↑
• Both Upgrading lighting fixtures — Modernizes the home and improves energy efficiency. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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

-3.5% since first listed

2 events — show timeline

• 2026-04-01 Price Changed $278,975 Zillow
• 2026-01-20 Listed $288,975 Zillow

Property tax history

+51.9%/yr

Latest (2025): $790 · +51.9% YoY. Source: county tax records.