Palm Beach Plan · Liberty Triangle, FL 34476

$149,900

3 bd · 2.0 ba · 1,372 sqft · Manufactured · 800 Days on market

Excellent condition ↓ 3% since listing

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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 +24.8/30.0
• DSCR +8.0/10.0
• ARV discount +7.5/15.0
• 1% rule +6.4/10.0
• Condition / age +4.8/5.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

55+ age qualified community. Ask about our VERY LIMITED TIME special rental offer on this home! This beautiful, open floor plan will make you feel right at home! Stainless steel appliances, oversized island with space for barstools, and farmhouse sink are just a few of the desirable features in the spacious kitchen. Master bedroom boasts oversized windows for lots of natural light and a large walk-in-closet. The Luxurious en-suite bath offers counter-height double vanity, oversized shower, and linen closet. Secondary bedrooms make space for guests or crafts. Guest bath features counter-height vanity and tub/shower combo. Low-maintenance vinyl flooring throughout ensures easy cleanup. Outdoors you'll find a covered front porch, shed, and covered carport. Landscaping and irrigation are also included. Oak Bend is a premier 55+ manufactured home community conveniently located in Ocala, Florida. Only a short drive from attractions, but far enough away for country living. Amenities include pool, shuffleboard, horseshoes, and dog park.

Key facts

• Listed 800 days

🏗️ New construction. The $149,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $150,000.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $150k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $315 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $132k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.8% vs local median 4.5% in Liberty Triangle — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• 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 (-2.6%/yr); 852 active listings in the ZIP; 6 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 31% 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 $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.

Negotiation context

• It's been on market 800 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 5→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $131,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 800 days. Have you received any prior offers? Is the seller open to a 12% 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. 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: 1.14% ✓
• Cap rate: 8.82%
• Cash-on-cash: 9.01%
• DSCR: 1.40
• GRM: 7.3

CMA / ARV

• ARV (median comp): $150,000
• List price: $149,900
• Delta: -0.07%
• Verdict: FAIR
• Comps: 5 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -6.1%
• Equity multiple: 0.78×
• Total profit: $-9,205
• Equity at exit: $22,365

10-year hold

• IRR: -0.6%
• Equity multiple: 0.97×
• Total profit: $-1,424
• Equity at exit: $12,969

Cash invested: $42,000 (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 34476

• Rents YoY: -2.6%
• Active inventory: 852
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,711 high
• Mortgage (P&I): −$787
• Tax est. 1.5%: −$188 /mo · $2,250/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$359
• Net cashflow: $315

Break-even live

Break-even rent $1,312

Max offer price $150,000

Occupancy floor 77%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3035 SW 108th Pl Ocala, FL	3.0	2.0	1404	$1,399	$1.00	21d	1	0.33mi
10948 SW 18th Ter Apt D Ocala, FL	2.0	2.0	900	$1,300	$1.44	21d	1	0.85mi
1836 SW 109th Pl Ocala, FL	2.0	1.0	899	$1,150	$1.28	21d	1	0.87mi
1658 SW 108th Ln #1 Ocala, FL	3.0	2.0	1080	$1,550	$1.44	21d	1	1.02mi
3085 SW 97th St Unit 2 Ocala, FL	2.0	1.0	960	$1,049	$1.09	14d	1	1.07mi
9975 SW 39th Ter Ocala, FL	4.0	2.0	1873	$2,295	$1.23	14d	1	1.32mi

Listing history 20 events

1. 2026-06-18
   days on market $149,900 Active 800 DOM
2. 2026-06-17
   days on market $149,900 Active 799 DOM
3. 2026-06-16
   days on market $149,900 Active 798 DOM
4. 2026-06-15
   days on market $149,900 Active 797 DOM
5. 2026-06-14
   days on market $149,900 Active 795 DOM
6. 2026-06-13
   days on market $149,900 Active 794 DOM
7. 2026-06-10
   days on market $149,900 Active 792 DOM
8. 2026-06-09
   days on market $149,900 Active 791 DOM
9. 2026-06-08
   days on market $149,900 Active 790 DOM
10. 2026-06-07
    days on market $149,900 Active 789 DOM
11. 2026-06-03
    days on market $149,900 Active 785 DOM
12. 2026-06-02
    days on market $149,900 Active 784 DOM
13. 2026-05-31
    days on market $149,900 Active 782 DOM
14. 2026-05-30
    days on market $149,900 Active 781 DOM
15. 2024-07-25
    price $149,900 1044-char remark

    Show marketing remark (1044 chars)

    55+ age qualified community. Ask about our VERY LIMITED TIME special rental offer on this home! This beautiful, open floor plan will make you feel right at home! Stainless steel appliances, oversized island with space for barstools, and farmhouse sink are just a few of the desirable features in the spacious kitchen. Master bedroom boasts oversized windows for lots of natural light and a large walk-in-closet. The Luxurious en-suite bath offers counter-height double vanity, oversized shower, and linen closet. Secondary bedrooms make space for guests or crafts. Guest bath features counter-height vanity and tub/shower combo. Low-maintenance vinyl flooring throughout ensures easy cleanup. Outdoors you'll find a covered front porch, shed, and covered carport. Landscaping and irrigation are also included. Oak Bend is a premier 55+ manufactured home community conveniently located in Ocala, Florida. Only a short drive from attractions, but far enough away for country living. Amenities include pool, shuffleboard, horseshoes, and dog park.

16. 2024-06-06
    status Active 1044-char remark

    Show marketing remark (1044 chars)

    55+ age qualified community. Ask about our VERY LIMITED TIME special rental offer on this home! This beautiful, open floor plan will make you feel right at home! Stainless steel appliances, oversized island with space for barstools, and farmhouse sink are just a few of the desirable features in the spacious kitchen. Master bedroom boasts oversized windows for lots of natural light and a large walk-in-closet. The Luxurious en-suite bath offers counter-height double vanity, oversized shower, and linen closet. Secondary bedrooms make space for guests or crafts. Guest bath features counter-height vanity and tub/shower combo. Low-maintenance vinyl flooring throughout ensures easy cleanup. Outdoors you'll find a covered front porch, shed, and covered carport. Landscaping and irrigation are also included. Oak Bend is a premier 55+ manufactured home community conveniently located in Ocala, Florida. Only a short drive from attractions, but far enough away for country living. Amenities include pool, shuffleboard, horseshoes, and dog park.

17. 2024-06-05
    historical 1044-char remark

    Show marketing remark (1044 chars)

    55+ age qualified community. Ask about our VERY LIMITED TIME special rental offer on this home! This beautiful, open floor plan will make you feel right at home! Stainless steel appliances, oversized island with space for barstools, and farmhouse sink are just a few of the desirable features in the spacious kitchen. Master bedroom boasts oversized windows for lots of natural light and a large walk-in-closet. The Luxurious en-suite bath offers counter-height double vanity, oversized shower, and linen closet. Secondary bedrooms make space for guests or crafts. Guest bath features counter-height vanity and tub/shower combo. Low-maintenance vinyl flooring throughout ensures easy cleanup. Outdoors you'll find a covered front porch, shed, and covered carport. Landscaping and irrigation are also included. Oak Bend is a premier 55+ manufactured home community conveniently located in Ocala, Florida. Only a short drive from attractions, but far enough away for country living. Amenities include pool, shuffleboard, horseshoes, and dog park.

18. 2024-05-17
    status Active 1044-char remark

    Show marketing remark (1044 chars)

    55+ age qualified community. Ask about our VERY LIMITED TIME special rental offer on this home! This beautiful, open floor plan will make you feel right at home! Stainless steel appliances, oversized island with space for barstools, and farmhouse sink are just a few of the desirable features in the spacious kitchen. Master bedroom boasts oversized windows for lots of natural light and a large walk-in-closet. The Luxurious en-suite bath offers counter-height double vanity, oversized shower, and linen closet. Secondary bedrooms make space for guests or crafts. Guest bath features counter-height vanity and tub/shower combo. Low-maintenance vinyl flooring throughout ensures easy cleanup. Outdoors you'll find a covered front porch, shed, and covered carport. Landscaping and irrigation are also included. Oak Bend is a premier 55+ manufactured home community conveniently located in Ocala, Florida. Only a short drive from attractions, but far enough away for country living. Amenities include pool, shuffleboard, horseshoes, and dog park.

19. 2024-05-16
    historical 1044-char remark

    Show marketing remark (1044 chars)

    55+ age qualified community. Ask about our VERY LIMITED TIME special rental offer on this home! This beautiful, open floor plan will make you feel right at home! Stainless steel appliances, oversized island with space for barstools, and farmhouse sink are just a few of the desirable features in the spacious kitchen. Master bedroom boasts oversized windows for lots of natural light and a large walk-in-closet. The Luxurious en-suite bath offers counter-height double vanity, oversized shower, and linen closet. Secondary bedrooms make space for guests or crafts. Guest bath features counter-height vanity and tub/shower combo. Low-maintenance vinyl flooring throughout ensures easy cleanup. Outdoors you'll find a covered front porch, shed, and covered carport. Landscaping and irrigation are also included. Oak Bend is a premier 55+ manufactured home community conveniently located in Ocala, Florida. Only a short drive from attractions, but far enough away for country living. Amenities include pool, shuffleboard, horseshoes, and dog park.

20. 2024-04-06
    listed $155,000 Active 1044-char remark

    Show marketing remark (1044 chars)

    55+ age qualified community. Ask about our VERY LIMITED TIME special rental offer on this home! This beautiful, open floor plan will make you feel right at home! Stainless steel appliances, oversized island with space for barstools, and farmhouse sink are just a few of the desirable features in the spacious kitchen. Master bedroom boasts oversized windows for lots of natural light and a large walk-in-closet. The Luxurious en-suite bath offers counter-height double vanity, oversized shower, and linen closet. Secondary bedrooms make space for guests or crafts. Guest bath features counter-height vanity and tub/shower combo. Low-maintenance vinyl flooring throughout ensures easy cleanup. Outdoors you'll find a covered front porch, shed, and covered carport. Landscaping and irrigation are also included. Oak Bend is a premier 55+ manufactured home community conveniently located in Ocala, Florida. Only a short drive from attractions, but far enough away for country living. Amenities include pool, shuffleboard, horseshoes, and dog park.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 5 d/yr ≥108°F today · 16 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,538
• − Mortgage interest: −$8,402
• − Property taxes: −$2,250
• − Insurance: −$750
• − Repairs & maintenance: −$1,643
• − Management: −$1,643
• − Depreciation: −$4,364
• Taxable income: $1,486
• Est. tax owed @ 24.0%: −$357
• After-tax cash flow: $3,429/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 · 12 photos

Excellent 95/100 None rehab

This manufactured home is in excellent condition with modern finishes and a well-maintained exterior. It is move-in ready and would benefit from a fresh coat of paint and some landscaping to further enhance its curb appeal.

Value-add opportunities

• Both Painting the exterior — Enhances curb appeal and can increase both resale and rental value
• Both Landscaping improvements — Enhances curb appeal and can increase both resale and rental value

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior — Enhances curb appeal and can increase both resale and rental value ↑
• Both Landscaping improvements — Enhances curb appeal and can increase both resale and rental value ↑

ⓘ 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 — Liberty Triangle

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Marion County · 315,796 people
• City population: 26,397
• Metro: Ocala, FL
• Population (ZIP): 28,997
• Household income: $65,860
• Rent vs Own: 12.3% rent · 87.7% own
• Severe rent burden: 204.0

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: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 63% Hispanic / Latino 18% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 8% Cuban 3%
• Common ancestry: Romanian 3% Slovak 3% Lithuanian 3%
• Foreign-born: 15% · Canada, Jamaica, Dominican Republic
• Languages at home: 83% English-only · Spanish 14% Other Indo-European 1% German/W. Germanic 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: ▼ -105.22%
• Current HPI: 189.0869
• Rent YoY: ▼ -2.57%
• 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

-3.3% since first listed

6 events — show timeline

• 2024-07-25 Price Changed $149,900 Zillow
• 2024-06-06 Relisted — Zillow
• 2024-06-05 Delisted — Zillow
• 2024-05-17 Relisted — Zillow
• 2024-05-16 Delisted — Zillow
• 2024-04-06 Listed $155,000 Zillow