2130 NE 9th St · Ocala, FL 34470

$264,000

3 bd · 2.0 ba · 1,727 sqft · SingleFamily public records · 86 Days on market

Built 1973 0.28 ac lot $153/sqft · 23% above area Est $281k · 6% under

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Why this score? — see what drove the F 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 +10.2/15.0
• Cash flow +7.6/30.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.7/10.0
• 1% rule +1.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this large 4-bedroom, 2-bathroom home with an enclosed garage in the desirable Heritage Hills community. Step into a bright and open living space featuring both a spacious living room and a separate family room—perfect for entertaining, relaxing, or creating flexible spaces to suit your lifestyle. The generous 2,257 square feet of living area offers plenty of room for everyone to spread out comfortably. The home features a large kitchen with abundant cabinet space, making it ideal for cooking, storage, and gathering with family and friends. A desirable split floor plan provides added privacy, with the primary suite separated from the additional bedrooms—perfect for families or hosting guests. Natural light flows throughout the home, enhancing the open and inviting feel. This home also features a 30 amp RV hook-up just off the side yard in the fenced area for your guests’ convenience. A large storage shed/workshop provides additional space, and the fully fenced yard ensures privacy. Conveniently located close to supermarkets, dining, and family-friendly activities, this home combines space, comfort, and accessibility. Schedule your showing today!

Key facts

• Enclosed garage
• Split floor plan
• Large kitchen

Tags

• ENCLOSED GARAGE
• LARGE KITCHEN
• SPLIT FLOOR PLAN
• 30 AMP RV HOOK-UP
• LARGE STORAGE SHED
• FULLY FENCED YARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $264k.

Deal economics

• At list price, monthly cash flow is $-315 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $208k (21.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $169k (36.1% below list).
• Recommended offer: $169k (36.1% below list) — sets the bar for 1% rule.

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 soft (-0.1%/yr); 295 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 15d 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 39% of the median local income ($52k/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 86 days — a 6% lower offer ($248k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 21y ago; this cycle's ask has dropped $16k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $172k; list at $264k implies a 53% 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; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $168,771 (36.1% 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 86 days. Have you received any prior offers? Is the seller open to a 36% concession, seller financing, or rate buy-down credit?
3. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 0.64% ✗
• Cap rate: 4.86%
• Cash-on-cash: -5.11%
• DSCR: 0.77
• GRM: 13.0

CMA / ARV

• ARV (median comp): $280,605
• List price: $264,000
• Delta: -5.92%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2011 NE 10th St	0.12mi	3/2.0	1,833 (+6%)	2mo	$239,000	$130	82
1832 NE 6th St	0.27mi	3/2.0	1,820 (+5%)	6mo	$332,800	$183	74
1110 NE 21st Ter	0.19mi	3/2.0	1,874 (+8%)	5mo	$345,000	$184	73
2109 NE 10th St	0.09mi	3/2.0	1,616 (-6%)	20mo	$255,000	$158	68
1916 NE 10th St	0.20mi	3/2.0	1,499 (-13%)	5mo	$256,000	$171	64
1516 NE 12th St	0.55mi	3/2.0	1,521 (-12%)	20mo	$235,000	$155	38
1511 NE 10th St	0.57mi	3/2.0	1,916 (+11%)	22mo	$399,999	$209	36

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: -28.0%
• Equity multiple: 0.08×
• Total profit: $-67,864
• Equity at exit: $39,363

10-year hold

• IRR: -41.0%
• Equity multiple: -0.41×
• Total profit: $-104,372
• Equity at exit: $22,826

Cash invested: $73,920 (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 34470

• Home prices YoY: -27.6%
• Rents YoY: -0.1%
• Active inventory: 295
• Price-to-rent: 13.0×

Monthly cashflow live

• Estimated rent: $1,688 high
• Mortgage (P&I): −$1,384
• Tax from tax record: −$154 /mo · $1,845/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$354
• Net cashflow: $-315

Break-even live

Break-even rent $2,086

Max offer price $208,371

Occupancy floor —

Sensitivity live

Price	-10% $-165	-5% $-240	+0% $-315	+5% $-390	+10% $-464
Rent	-10% $-448	-5% $-382	+0% $-315	+5% $-248	+10% $-182
Rate	-1.0pp $-182	-0.5pp $-248	base $-315	+0.5pp $-383	+1.0pp $-453

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: $66,000
• Closing costs: $7,920
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2321 NE 3rd St Ocala, FL	1.0–3.0	1.0–2.0	1010	$990	$0.98	15d	1	0.41mi
2701 NE 7th St Ocala, FL	1.0–3.0	1.0–2.0	998	$1,549	$1.55	15d	16	0.53mi
1706 NE 4th St Ocala, FL	3.0	2.0	1573	$2,100	$1.34	15d	1	0.54mi
1838 NE 17th St Ocala, FL	2.0	1.0	1680	$1,200	$0.71	15d	1	0.55mi
2701 NE 10th St #406 Ocala, FL	2.0	2.5	1200	$1,450	$1.21	15d	1	0.56mi
1718 NE 3rd St Ocala, FL	2.0	1.5	1200	$1,289	$1.07	22d	1	0.58mi
1718 NE 3rd St Ocala, FL	2.0	1.5	1200	$1,289	$1.07	15d	1	0.58mi
1713 NE 2nd St Ocala, FL	2.0	1.5	1200	$1,289	$1.07	22d	1	0.63mi
1643 NE 16th Ave Unit B Ocala, FL	2.0	1.0	1635	$1,450	$0.89	22d	1	0.69mi
2935 NE 7th St #310 Ocala, FL	2.0	2.0	1146	$2,300	$2.01	15d	1	0.78mi
43 SE 15th Ter Ocala, FL	3.0	2.5	1900	$2,300	$1.21	22d	1	0.87mi
45 SE 15th Ter Ocala, FL	2.0	2.5	1900	$1,800	$0.95	22d	1	0.87mi
408 NE 12th Ave Ocala, FL	4.0	2.0	1808	$2,100	$1.16	22d	1	0.97mi
3246 NE 7th Ln Ocala, FL	4.0	2.0	1421	$1,850	$1.30	15d	1	1.08mi
949 NE 4th St Ocala, FL	4.0	2.0	2095	$2,750	$1.31	15d	1	1.16mi
305 SE 10th Ave Ocala, FL	2.0	1.0	1449	$1,800	$1.24	22d	1	1.34mi
2122 NE 28th Pl Ocala, FL	3.0	2.0	1328	$2,100	$1.58	15d	1	1.36mi
2855 NE 20th Ter Ocala, FL	3.0	2.0	1504	$1,875	$1.25	15d	1	1.37mi
710 NE 4th St Unit 101 Ocala, FL	3.0	3.0	1422	$1,575	$1.11	22d	1	1.37mi
339 NE Sanchez Ave Unit 111 Ocala, FL	3.0	3.0	1422	$1,649	$1.16	22d	1	1.37mi
241 NE Tuscawilla Ave Ocala, FL	2.0	1.0	1644	$1,400	$0.85	22d	1	1.46mi

Listing history 28 events

1. 2026-06-21
   days on market $264,000 Active 86 DOM
2. 2026-06-18
   days on market $264,000 Active 83 DOM
3. 2026-06-17
   days on market $264,000 Active 82 DOM
4. 2026-06-16
   days on market $264,000 Active 81 DOM
5. 2026-06-15
   days on market $264,000 Active 80 DOM
6. 2026-06-14
   days on market $264,000 Active 78 DOM
7. 2026-06-13
   days on market $264,000 Active 77 DOM
8. 2026-06-10
   days on market $264,000 Active 75 DOM
9. 2026-06-09
   days on market $264,000 Active 74 DOM
10. 2026-06-08
    days on market $264,000 Active 73 DOM
11. 2026-06-07
    days on market $264,000 Active 72 DOM
12. 2026-06-03
    days on market $264,000 Active 68 DOM
13. 2026-06-02
    days on market $264,000 Active 67 DOM
14. 2026-06-01
    days on market $264,000 Active 66 DOM
15. 2026-05-31
    days on market $264,000 Active 65 DOM
16. 2026-05-30
    days on market $264,000 Active 64 DOM
17. 2026-04-23
    price $274,000 1192-char remark

    Show marketing remark (1192 chars)

    Welcome to this large 4-bedroom, 2-bathroom home with an enclosed garage in the desirable Heritage Hills community. Step into a bright and open living space featuring both a spacious living room and a separate family room—perfect for entertaining, relaxing, or creating flexible spaces to suit your lifestyle. The generous 2,257 square feet of living area offers plenty of room for everyone to spread out comfortably. The home features a large kitchen with abundant cabinet space, making it ideal for cooking, storage, and gathering with family and friends. A desirable split floor plan provides added privacy, with the primary suite separated from the additional bedrooms—perfect for families or hosting guests. Natural light flows throughout the home, enhancing the open and inviting feel. This home also features a 30 amp RV hook-up just off the side yard in the fenced area for your guests’ convenience. A large storage shed/workshop provides additional space, and the fully fenced yard ensures privacy. Conveniently located close to supermarkets, dining, and family-friendly activities, this home combines space, comfort, and accessibility. Schedule your showing today!

18. 2026-03-27
    listed $280,000 Active 1192-char remark

    Show marketing remark (1192 chars)

    Welcome to this large 4-bedroom, 2-bathroom home with an enclosed garage in the desirable Heritage Hills community. Step into a bright and open living space featuring both a spacious living room and a separate family room—perfect for entertaining, relaxing, or creating flexible spaces to suit your lifestyle. The generous 2,257 square feet of living area offers plenty of room for everyone to spread out comfortably. The home features a large kitchen with abundant cabinet space, making it ideal for cooking, storage, and gathering with family and friends. A desirable split floor plan provides added privacy, with the primary suite separated from the additional bedrooms—perfect for families or hosting guests. Natural light flows throughout the home, enhancing the open and inviting feel. This home also features a 30 amp RV hook-up just off the side yard in the fenced area for your guests’ convenience. A large storage shed/workshop provides additional space, and the fully fenced yard ensures privacy. Conveniently located close to supermarkets, dining, and family-friendly activities, this home combines space, comfort, and accessibility. Schedule your showing today!

19. 2015-10-09
    historical
20. 2015-06-08
    historical
21. 2015-06-05
    listed $140,000
22. 2015-04-20
    listed $125,000
23. 2007-07-17
    soldstatus $172,000
24. 2007-07-12
    soldstatus $172,000
25. 2007-02-15
    listed $189,000
26. 2005-09-01
    soldstatus $143,500
27. 2005-08-30
    soldstatus $143,500
28. 2005-05-18
    listed $143,500

ⓘ 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: $1,845 · $154/mo
• Projected year-2 tax: $2,191 · $183/mo
• Expected delta: +$346/yr (+$29/mo · 18.8%)

ⓘ 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 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,253
• − Mortgage interest: −$14,788
• − Property taxes: −$1,845
• − Insurance: −$1,320
• − Repairs & maintenance: −$1,620
• − Management: −$1,620
• − Depreciation: −$7,680
• Taxable loss: −$8,621
• Est. tax savings @ 24.0%: +$2,069
• After-tax cash flow: $-1,710/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

• Census place: Ocala, FL
• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 22,443
• Household income: $52,083
• Rent vs Own: 37.0% rent · 63.0% own
• Severe rent burden: 771.0

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: Predominantly White (71%)
• Race & ethnicity: White 71% Two or more races 12% Hispanic / Latino 12% Black 10% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Romanian 2% Italian 2%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 89% English-only · Spanish 9%

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: ▼ -92.74%
• Current HPI: 242.686
• Rent YoY: ▼ -0.07%
• 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

+90.9% since first listed

12 events — show timeline

• 2026-04-23 Price Changed $274,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-27 Listed $280,000 Stellar MLS as Distributed by MLS Grid
• 2015-10-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-06-08 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-06-05 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2015-04-20 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2007-07-17 Sold (Public Records) $172,000 Public Records
• 2007-07-12 Sold (MLS) $172,000 Stellar MLS as Distributed by MLS Grid
• 2007-02-15 Listed $189,000 Stellar MLS as Distributed by MLS Grid
• 2005-09-01 Sold (Public Records) $143,500 Public Records
• 2005-08-30 Sold (MLS) $143,500 Stellar MLS as Distributed by MLS Grid
• 2005-05-18 Listed $143,500 Stellar MLS as Distributed by MLS Grid

Property tax history

+1.8%/yr

Latest (2025): $1,845 · +1.9% YoY. Source: county tax records.