5564 NW 63rd Pl · Ocala, FL 34482

$135,000

3 bd · 2.0 ba · 1,248 sqft · SingleFamily public records · 8 Days on market

Built 1974 10,454 sqft lot Est $226k · 40% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +5.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Home needs TLC. Garage was converted to a family Room. Home being Sold "AS IS".

Key facts

• 0.24 acre lot
• Built 1974
• Listed 8 days

Property features AI

Finance

• Other: Property type: Residential, single family (zoned R1); Lot: In county; Road surface: Asphalt
• Financial info: No financial investment details provided
• HOA & community: No HOA / association indicated

Exterior

• Parking: No parking details provided
• Security: No security features listed
• Utilities: Well water; Septic tank sewer; Electricity available
• Home design: Single-family residence; One story (single level); Northeast facing
• Construction: Block and concrete construction; Shingle roof; Slab foundation; Built on a 0.24-acre lot (approx. 75 x 139)
• Exterior features: Chain link fencing; Other exterior features; Paved lot access

Interior

• Kitchen: No appliances listed
• Bedrooms: 3 bedrooms
• Flooring: Concrete flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heating: Other; No cooling (none)
• Interior features: Family room; Wood-burning fireplace in the family room; Other interior features
• Laundry & utility: Washer hookup inside; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $693 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Cap rate 12.5% 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.
• Zoned schools: Fessenden Elementary School (math 37% / reading 37%, grade F, #1,609 of 2,144 statewide, top 77%, 417 students, 79% FRL); North Marion Middle School (math 35% / reading 34%, grade F, #421 of 571 statewide, top 74%, 803 students, 72% FRL); North Marion High School (math 20% / reading 32%, grade F, #494 of 667 statewide, top 75%, 1,303 students, 66% FRL).
• Market conditions: Rents rising fast (+11.1%/yr); 670 active listings in the ZIP; 6 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 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 $933 of loan paydown is wiped out by about $4k 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 $38k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $27k; list at $135k implies a 400% 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→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,000

Questions for the listing agent

1. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.54% ✓
• Cap rate: 12.46%
• Cash-on-cash: 22.01%
• DSCR: 1.98
• GRM: 5.4

CMA / ARV

• ARV (on-the-fly): $225,888
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5417 NW 63rd Pl	0.13mi	3/2.0	1,246 (-0%)	18mo	$225,000	$181	79
5290 NW 61st Ln	0.28mi	3/2.0	1,118 (-10%)	2mo	$175,100	$157	68
6535 NW 52 Ave	0.36mi	3/2.0	1,331 (+7%)	8mo	$239,900	$180	65
6174 NW 58th Ter	0.28mi	3/2.0	1,380 (+11%)	10mo	$239,900	$174	61
5632 NW 57th St	0.49mi	3/2.0	1,331 (+7%)	8mo	$239,900	$180	59
5931 NW 57th Ave	0.30mi	3/2.0	1,365 (+9%)	17mo	$282,000	$207	56
5831 NW 58th Ter	0.42mi	3/2.0	1,144 (-8%)	13mo	$227,000	$198	56
6354 NW 61st Ln	0.75mi	3/2.0	1,232 (-1%)	10mo	$225,000	$183	55
6276 NW 62nd Ave	0.62mi	3/2.0	1,380 (+11%)	1mo	$237,000	$172	53
5430 NW 55th Pl	0.59mi	3/2.0	1,384 (+11%)	10mo	$247,000	$178	46
6254 NW 65th Pl NW	0.68mi	3/2.0	1,381 (+11%)	14mo	$265,000	$192	38
5320 NW 56th Ter	0.72mi	3/2.0	1,399 (+12%)	17mo	$264,000	$189	32

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: 20.3%
• Equity multiple: 1.88×
• Total profit: $33,295
• Equity at exit: $20,129

10-year hold

• IRR: 31.8%
• Equity multiple: 4.60×
• Total profit: $135,949
• Equity at exit: $11,672

Cash invested: $37,800 (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 34482

• Rents YoY: 11.1%
• Active inventory: 670
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $2,076 high
• Mortgage (P&I): −$708
• Tax from tax record: −$182 /mo · $2,188/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$436
• Net cashflow: $693

Break-even live

Break-even rent $1,198

Max offer price $135,000

Occupancy floor 62%

Sensitivity live

Price	-10% $770	-5% $732	+0% $693	+5% $655	+10% $617
Rent	-10% $529	-5% $611	+0% $693	+5% $775	+10% $857
Rate	-1.0pp $761	-0.5pp $728	base $693	+0.5pp $658	+1.0pp $623

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6175 NW 59th Ave Ocala, FL	3.0	2.0	1384	$1,745	$1.26	22d	1	0.31mi
5907 NW 64th St Ocala, FL	4.0	2.0	1313	$1,699	$1.29	22d	1	0.31mi
5532 NW 57th Pl Ocala, FL	2.0	2.0	962	$1,295	$1.35	15d	1	0.45mi
6425 NW 62nd Ter Ocala, FL	3.0	2.0	1349	$3,000	$2.22	22d	1	0.65mi
5391 NW 55th Ct Ocala, FL	3.0	2.0	1332	$1,650	$1.24	22d	1	0.68mi
6440 NW 66th Ct Ocala, FL	3.0	2.0	992	$1,695	$1.71	15d	1	1.08mi

Listing history 7 events

1. 2026-06-09
   remarks 119-char remark
2. 2026-06-09
   statusdays on market $135,000 Pending 8 DOM
3. 2026-06-08
   days on market $135,000 Active 7 DOM
4. 2026-06-07
   days on market $135,000 Active 6 DOM
5. 2026-06-03
   days on market $135,000 Active 2 DOM
6. 2026-06-01
   remarks 79-char remark
7. 2026-06-01
   listed $135,000 Active 1 DOM

ⓘ 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: $2,188 · $182/mo
• Projected year-2 tax: $2,188 · $182/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 4/10 Moderate
• 🌡 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 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,910
• − Mortgage interest: −$7,562
• − Property taxes: −$2,188
• − Insurance: −$675
• − Repairs & maintenance: −$1,993
• − Management: −$1,993
• − Depreciation: −$3,927
• Taxable income: $6,572
• Est. tax owed @ 24.0%: −$1,577
• After-tax cash flow: $6,743/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

+400.0% since first listed

2 events — show timeline

• 2026-06-01 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 1994-12-13 Sold (Public Records) $27,000 Public Records

Property tax history

+9.9%/yr

Latest (2025): $2,188 · +14.0% YoY. Source: county tax records.