2494 SW 170th Loop · Marion Oaks, FL 34473

$170,000

3 bd · 2.0 ba · 1,325 sqft · SingleFamily public records · 3 Days on market

Built 2022 10,019 sqft lot Est $245k · 31% under ↓ 29% since listing

---

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 +21.6/30.0
• ARV discount +15.0/15.0
• DSCR +6.9/10.0
• 1% rule +6.1/10.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

Short Sale. "SHORT SALE!! SHORT SALE!! Seller accepting CASH and Conventional financing ONLY!! Bankruptcy short sale will take about 120 days to get response on offer from lien holders. Needs some TLC. Built in 2022, this concrete block home with stucco finish features 1325 square feet, 3 bedrooms, 2 bathrooms, 2 car garage, living room, dining room, and plenty more, with all close to schools, restaurants, and much, much more!

Key facts

• 0.23 acre lot
• 2 garage spots
• Built 2022

Property features AI

Finance

• Other: Property zoned R1; Property type: Residential — Single Family Residence; Living area listed as 1,325 (public records); Building area total listed as 1,825 (public records)
• Financial info: CDD present; Homestead exemption indicated; Lease restrictions not specified
• HOA & community: No HOA association indicated

Exterior

• Parking: Attached garage with 2 garage spaces
• Security: No security features listed
• Utilities: Utilities: Other; No water source listed; No sewer listed
• Home design: Single-family residence; One-story home; Northeast-facing
• Construction: Block construction; Shingle roof; Slab foundation; Built on a 1-story/one-level plan
• Exterior features: Asphalt road access; Lot dimensions approximately 80 x 125; Lot about 0.23 acres

Interior

• Kitchen: No appliances listed
• Bedrooms: 3 bedrooms
• Flooring: Carpet flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: No heating listed; No cooling listed
• Interior features: No interior features listed
• Laundry & utility: No laundry features

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $257 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Cap rate 8.1% vs local median 4.8% in Marion Oaks — 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 (-0.7%/yr); 1372 active listings in the ZIP; 40 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 31% of the median local income ($72k/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 $5k 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

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 4y 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; moderate wildfire risk; extreme-heat days projected 6→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $170,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 8.11%
• Cash-on-cash: 6.49%
• DSCR: 1.29
• GRM: 7.5

CMA / ARV

• ARV (on-the-fly): $245,125
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
16843 SW 25th Terrace Rd	0.21mi	3/2.0	1,315 (-1%)	15mo	$260,000	$198	77
3026 SW 168th Loop	0.43mi	3/2.0	1,368 (+3%)	0mo	$257,500	$188	74
16847 SW 22nd Ct	0.46mi	3/2.0	1,264 (-5%)	2mo	$225,000	$178	69
3044 SW 168th Loop	0.52mi	3/2.0	1,331 (+0%)	16mo	$226,000	$170	62
17281 SW 36 Avenue Rd	0.50mi	3/2.0	1,267 (-4%)	10mo	$265,000	$209	61
16905 SW 30th Avenue Rd	0.31mi	2/2.0 (-1)	1,215 (-8%)	10mo	$173,500	$143	58
2730 SW 173rd Place Rd	0.31mi	3/2.0	1,462 (+10%)	13mo	$243,400	$166	57
16958 SW 20th Ct	0.60mi	3/2.0	1,355 (+2%)	15mo	$245,000	$181	56
8461 SW 41 Cir	0.60mi	3/2.0	1,263 (-5%)	11mo	$256,390	$203	55
2479 SW 167th Loop	0.25mi	3/2.0	1,464 (+10%)	19mo	$315,000	$215	55
2261 SW 168 Pl	0.52mi	3/2.0	1,468 (+11%)	5mo	$272,000	$185	54
3013 SW 168th Loop	0.45mi	3/2.0	1,514 (+14%)	21mo	$272,899	$180	38

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: -9.9%
• Equity multiple: 0.65×
• Total profit: $-16,602
• Equity at exit: $25,348

10-year hold

• IRR: -5.4%
• Equity multiple: 0.70×
• Total profit: $-14,406
• Equity at exit: $14,698

Cash invested: $47,600 (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 34473

• Home prices YoY: -16.8%
• Rents YoY: -0.7%
• Active inventory: 1372
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,882 high
• Mortgage (P&I): −$891
• Tax from tax record: −$267 /mo · $3,206/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $257

Break-even live

Break-even rent $1,556

Max offer price $170,000

Occupancy floor 81%

Sensitivity live

Price	-10% $354	-5% $306	+0% $257	+5% $209	+10% $161
Rent	-10% $109	-5% $183	+0% $257	+5% $332	+10% $406
Rate	-1.0pp $343	-0.5pp $301	base $257	+0.5pp $213	+1.0pp $169

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
16910 SW 27th Ave Ocala, FL	3.0	2.0	1128	$1,550	$1.37	22d	1	0.12mi
2628 SW 165th Street Rd Ocala, FL	4.0	2.0	1796	$1,899	$1.06	15d	1	0.25mi
17029 SW 30th Avenue Rd Ocala, FL	3.0	2.0	1312	$1,745	$1.33	15d	1	0.27mi
3087 SW 172nd Lane Rd Ocala, FL	4.0	2.0	1676	$2,150	$1.28	15d	1	0.35mi
3022 SW 168th Loop Ocala, FL	3.0	2.0	1478	$1,800	$1.22	15d	1	0.39mi
16846 SW 22nd Ct Ocala, FL	4.0	2.0	1580	$1,900	$1.20	15d	1	0.44mi
16690 SW 29th Terrace Rd Ocala, FL	4.0	2.0	1617	$1,725	$1.07	22d	1	0.50mi
17399 SW 25th Cir Ocala, FL	3.0	2.0	1312	$1,800	$1.37	22d	1	0.50mi
2220 SW 169th Pl Ocala, FL	3.0	2.0	1368	$1,650	$1.21	22d	1	0.52mi
17490 SW 27th Cir Ocala, FL	3.0	2.0	1778	$2,100	$1.18	15d	1	0.58mi
16619 SW 31st Cir Ocala, FL	3.0	2.0	1536	$1,900	$1.24	15d	1	0.59mi
2660 SW 162nd Street Rd Ocala, FL	4.0	2.0	1765	$1,999	$1.13	22d	1	0.71mi
2836 SW 161st Loop Ocala, FL	3.0	2.0	1357	$1,675	$1.23	15d	1	0.78mi
2711 SW 162nd Ln Ocala, FL	4.0	2.0	1786	$2,150	$1.20	15d	1	0.78mi
2670 162nd Ln Unit 2670 Ocala, FL	4.0	2.0	1730	$2,000	$1.16	22d	1	0.79mi
16252 SW 27th Terrace Rd Ocala, FL	4.0	2.0	1850	$2,200	$1.19	15d	1	0.85mi
16292 SW 30th Ter Ocala, FL	3.0	2.0	1482	$1,650	$1.11	22d	1	0.86mi
16262 SW 29th Court Rd Ocala, FL	2.0	2.0	1117	$1,325	$1.19	22d	1	0.87mi
16253 SW 19th Avenue Rd Ocala, FL	3.0	2.0	1006	$1,595	$1.59	15d	1	0.90mi
3540 SW 163rd Place Rd Unit 2 Ocala, FL	3.0	2.0	1214	$1,600	$1.32	22d	1	0.97mi
16200 SW 21st Ct Ocala, FL	4.0	2.0	1578	$1,800	$1.14	22d	1	1.04mi
1663 SW 167th St Ocala, FL	4.0	2.0	1751	$2,000	$1.14	15d	1	1.04mi
16015 SW 29th Court Rd Unit 2 Ocala, FL	3.0	2.0	1321	$1,450	$1.10	22d	1	1.05mi
16170 SW 33rd Avenue Rd Ocala, FL	3.0	2.0	1200	$1,550	$1.29	15d	1	1.08mi
16390 SW 17th Terrace Rd Ocala, FL	4.0	2.0	1578	$1,825	$1.16	15d	1	1.09mi
357 Marion Oaks Blvd Unit 2 Ocala, FL	3.0	2.0	1201	$1,695	$1.41	15d	1	1.12mi
16124 SW 23rd Court Rd Ocala, FL	3.0	2.0	1357	$1,715	$1.26	15d	1	1.16mi
16100 SW 35th Court Rd Ocala, FL	4.0	2.0	1578	$1,750	$1.11	15d	1	1.17mi
16111 SW 35th Court Rd Unit 2 Ocala, FL	2.0	2.0	900	$1,395	$1.55	15d	1	1.18mi
16090 SW 35th Court Rd Ocala, FL	4.0	2.0	1799	$1,950	$1.08	15d	1	1.19mi
16008 SW 23rd Court Rd Ocala, FL	3.0	2.0	1755	$2,400	$1.37	22d	1	1.21mi
485 Marion Oaks Ln Ocala, FL	3.0	2.0	1077	$1,525	$1.42	22d	1	1.22mi
17191 SW 40th Ter Ocala, FL	4.0	2.0	1787	$1,950	$1.09	15d	1	1.27mi
2725 SW 158th St Ocala, FL	4.0	2.0	1580	$2,000	$1.27	15d	1	1.30mi
2500 SW 156th Lane Rd Ocala, FL	4.0	2.0	1850	$2,200	$1.19	22d	1	1.31mi
393 Marion Oaks Golf Rd Ocala, FL	4.0	2.0	1787	$1,950	$1.09	15d	1	1.31mi
15861 SW 33rd Avenue Rd Ocala, FL	2.0	2.0	984	$1,425	$1.45	15d	1	1.32mi
17000 SW 41st Ct Ocala, FL	4.0	2.0	1640	$2,000	$1.22	15d	1	1.32mi
2673 SW 156th Pl Ocala, FL	4.0	2.0	1850	$1,950	$1.05	15d	1	1.35mi
3580 SW 158th Pl Ocala, FL	3.0	2.0	1011	$1,600	$1.58	15d	1	1.35mi

Listing history 3 events

1. 2026-06-21
   days on market $170,000 Active 3 DOM
2. 2026-06-18
   remarks 431-char remark
3. 2026-06-18
   listed $170,000 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: $3,206 · $267/mo
• Projected year-2 tax: $3,206 · $267/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 5/10 Major
• 🌡 Heat 8/10 Severe 6 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 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,587
• − Mortgage interest: −$9,523
• − Property taxes: −$3,206
• − Insurance: −$850
• − Repairs & maintenance: −$1,807
• − Management: −$1,807
• − Depreciation: −$4,945
• Taxable income: $449
• Est. tax owed @ 24.0%: −$108
• After-tax cash flow: $2,982/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 — Marion Oaks

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

Census & demographics

• Census place: Marion Oaks, FL
• County: Marion County · 315,796 people
• City population: 25,030
• Metro: Ocala, FL
• Population (ZIP): 26,813
• Household income: $72,366
• Rent vs Own: 21.5% rent · 78.5% own
• Severe rent burden: 228.0

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 0.69)
• Race & ethnicity: White 34% Black 33% Hispanic / Latino 29% Two or more races 19% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 17% Cuban 3%
• Common ancestry: Hispanic 3% Portuguese 2% Romanian 1%
• Foreign-born: 17% · Canada, Jamaica
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 4% 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: ▼ -45.25%
• Current HPI: 224.3536
• Rent YoY: ▼ -0.67%
• 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

-29.1% since first listed

8 events — show timeline

• 2026-06-18 Listed $170,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-21 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-07-17 Listed $269,900 Stellar MLS as Distributed by MLS Grid
• 2025-07-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-07-03 Listed $275,000 Stellar MLS as Distributed by MLS Grid
• 2022-12-23 Sold (MLS) $239,900 Stellar MLS as Distributed by MLS Grid
• 2022-11-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-10-31 Listed $239,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+32.7%/yr

Latest (2025): $3,206 · +5.4% YoY. Source: county tax records.