🏗️ New Construction
8140 SW 44th Ter · Liberty Triangle, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 8/10 · Major
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 22 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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).
- Cash flow +7.9/30.0
- ARV discount +7.5/15.0
- Condition / age +5.0/5.0
- Schools +4.7/10.0
- 1% rule +2.7/10.0
- Livability +2.5/5.0
- DSCR +1.9/10.0
- Rent growth +1.9/5.0
- Appreciation +0.0/10.0
$251,990
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Under Construction. This new single-level home boasts a low-maintenance layout. Off the foyer, an open-concept floorplan combines the kitchen with the living and dining areas, and a convenient patio offers seamless indoor-outdoor transitions. Three bedrooms are tucked away to the side of the home, including the luxe owner’s suite in a private back corner.
Key facts
- Convenient patio
- Luxe owner suite
- 4,791 sq ft lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $252k. Condition is rated excellent.
Deal economics
- At list price, monthly cash flow is $-293 ($-4k/yr) — negative.
- To cash-flow at today's rent, offer at most $227k (9.7% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $208k (17.3% below list).
- Recommended offer: $208k (17.3% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads: area grade F — 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.
- Zoned schools: Hammett Bowen Jr. Elementary School (math 56% / reading 56%, grade C+, #832 of 2,144 statewide, top 40%, 867 students, 54% FRL); Liberty Middle School (math 40% / reading 41%, grade F, #360 of 571 statewide, top 64%, 1,365 students, 54% 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 soft (-2.6%/yr); 1071 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $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 102 days — a 9% lower offer ($229k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 102 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 0.77% ✗
- Cap rate
- 4.99%
- Cash-on-cash
- -4.66%
- DSCR
- 0.79
- GRM
- 10.8
CMA / ARV
- ARV (median comp)
- $269,876
- List price
- $251,990
- Delta
- -6.63%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 10 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 8112 SW 44th Ter | 0.00mi | 3/2.0 | 1,263 (0%) | 1mo | $261,140 | $207 | 99 |
| 8066 SW 44th Ter | 0.00mi | 3/2.0 | 1,263 (0%) | 8mo | $239,580 | $190 | 93 |
| 8494 SW 41st Cir | 0.35mi | 3/2.0 | 1,264 (+0%) | 2mo | $128,000 | $101 | 82 |
| 4263 SW 82nd Ln | 0.33mi | 3/2.0 | 1,263 (0%) | 4mo | $321,140 | $254 | 81 |
| 8092 SW 44th Ter | 0.00mi | 3/2.0 | 1,429 (+13%) | 0mo | $240,000 | $168 | 78 |
| 8203 SW 45th Ct | 0.04mi | 3/2.0 | 1,428 (+13%) | 4mo | $245,000 | $172 | 73 |
| 8195 SW 45th Ct | 0.04mi | 3/2.0 | 1,428 (+13%) | 8mo | $235,000 | $165 | 70 |
| 4498 SW 90th Lane Rd | 0.51mi | 3/2.0 | 1,373 (+9%) | 8mo | $262,850 | $191 | 55 |
| 4564 SW 90th Lane Rd | 0.59mi | 3/2.0 | 1,373 (+9%) | 4mo | $261,350 | $190 | 55 |
| 8493 SW 41st Cir | 0.35mi | 3/2.0 | 1,428 (+13%) | 9mo | $271,390 | $190 | 54 |
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
- IRR
- -27.7%
- Equity multiple
- 0.09×
- Total profit
- $-68,436
- Equity at exit
- $40,239
- IRR
- -43.4%
- Equity multiple
- -0.41×
- Total profit
- $-106,923
- Equity at exit
- $23,334
Cash invested: $75,565 (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
Active competition Active MLS
- For sale now
- 26 active · 16 under contract
- Months of supply
- 6.8 mo (15%/mo absorbed)
- Median asking
- $262,478 ($178/sqft)
- Median days on market
- 57 d
- This list price
- 19% of active listings are priced below it
- ARV vs active asking
- +19.7% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34476
- Rents YoY
- -2.6%
- Active inventory
- 1071
- Price-to-rent
- 10.1×
Monthly cashflow live
- Estimated rent
- $2,083 high interval (Pro) →
- Mortgage (P&I)
- −$1,415
- Tax est. 1.5%
- −$337 /mo · $4,048/yr
- Insurance
- −$112
- HOA
- −$74
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$437
- Net cashflow
- $-293
Break-even live
Sensitivity live
| Price | -10% $-107 | -5% $-200 | +0% $-293 | +5% $-386 | +10% $-480 |
|---|---|---|---|---|---|
| Rent | -10% $-458 | -5% $-376 | +0% $-293 | +5% $-211 | +10% $-129 |
| Rate | -1.0pp $-157 | -0.5pp $-225 | base $-293 | +0.5pp $-363 | +1.0pp $-434 |
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
- $67,469
- Closing costs
- $8,096
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 21 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 8590 SW 44th Ct Ocala, FL | 3.0 | 2.0 | 1453 | $1,895 | $1.30 | 63d | 1 | 0.06mi |
| 8590 SW 44th Ct Ocala, FL | 3.0 | 2.0 | 1453 | $1,895 | $1.30 | 63d | 1 | 0.06mi |
| 8665 SW 44th Ct Ocala, FL | 3.0 | 2.0 | 1453 | $1,895 | $1.30 | 70d | 1 | 0.15mi |
| 8609 SW 46th Ter Ocala, FL | 3.0 | 2.0 | 1670 | $2,400 | $1.44 | 63d | 1 | 0.17mi |
| 4643 SW 84th Street Rd Ocala, FL | 3.0 | 2.0 | 1663 | $1,925 | $1.16 | 63d | 1 | 0.18mi |
| 4703 SW 85th Pl Ocala, FL | 4.0 | 2.0 | 1828 | $2,500 | $1.37 | 63d | 1 | 0.18mi |
| 8320 SW 41st Ter Ocala, FL | 3.0 | 2.0 | 1841 | $2,300 | $1.25 | 63d | 1 | 0.36mi |
| 4828 SW 86th Ln Ocala, FL | 3.0 | 2.0 | 1672 | $1,950 | $1.17 | 70d | 1 | 0.37mi |
| 4939 SW 81st Loop Ocala, FL | 3.0 | 2.5 | 1828 | $1,750 | $0.96 | 63d | 1 | 0.42mi |
| 4915 SW 81st St Ocala, FL | 3.0 | 2.5 | 1707 | $1,795 | $1.05 | 63d | 1 | 0.42mi |
| 4697 SW 89th St Ocala, FL | 4.0 | 2.0 | 1848 | $2,150 | $1.16 | 63d | 1 | 0.42mi |
| 9109 SW 45th Ter Ocala, FL | 4.0 | 2.0 | 1828 | $2,150 | $1.18 | 63d | 1 | 0.59mi |
| 8780 SW 49th Cir Ocala, FL | 3.0 | 2.0 | 1672 | $1,900 | $1.14 | 70d | 1 | 0.68mi |
| 8940 SW 50th Ter Ocala, FL | 4.0 | 2.0 | 1827 | $2,195 | $1.20 | 70d | 1 | 0.68mi |
| 8792 SW 49th Cir Ocala, FL | 4.0 | 2.0 | 1498 | $1,850 | $1.23 | 70d | 1 | 0.69mi |
| 7177 SW 92nd St Ocala, FL | 3.0 | 2.5 | 1410 | $1,850 | $1.31 | 70d | 1 | 0.80mi |
| 4296 SW 98th St Ocala, FL | 3.0 | 2.0 | 1607 | $1,700 | $1.06 | 70d | 1 | 1.27mi |
| 4937 SW 98th Pl Ocala, FL | 4.0 | 2.0 | 1838 | $2,400 | $1.31 | 63d | 1 | 1.38mi |
| 7194 SW 91st Ln Ocala, FL | 4.0 | 2.5 | 1571 | $1,950 | $1.24 | 70d | 1 | 1.38mi |
| 13110 SW 89th St Ocala, FL | 4.0 | 2.5 | 1824 | $1,950 | $1.07 | 70d | 1 | 1.38mi |
| 8880 SW 27th Ave Ocala, FL | 2.0–3.0 | 2.0 | 1178 | $1,399 | $1.19 | 70d | 1 | 1.42mi |
Property features AI
Finance
- Other
- Living area reported by builder: 1,263 (builder source)Building area total: 1,747 (builder source)Lot dimensions approximately 65 x 110 (0.11 acres)Permit number CBC1259719 (builder license CBC1259719)
- Financial info
- Other annual assessment: $640Total annual fees: $894Total monthly fees: $74.50
- HOA & community
- HOA: Aretemis Lifestyle (monthly HOA $74.50; association fee $447 semi-annually)Pets allowed
Exterior
- Parking
- Attached 2-car garage
- Utilities
- Public waterPublic sewerPublic utilities
- Home design
- Single family residenceResidential propertyOne storyUnder construction (projected completion: 2026-07-29)Faces northPUD zoning
- Construction
- Cement siding and frame constructionShingle roofSlab foundationNew construction by Lennar Homes (Model: Abbey)
- Exterior features
- Paved road accessSliding doors
Interior
- Kitchen
- DishwasherDisposalMicrowaveRange
- Bedrooms
- 3 bedrooms
- Flooring
- Carpet
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Heat pump heatingCentral air conditioning
- Interior features
- Walk-in closet(s)Sliding doors
- Laundry & utility
- Laundry room
Listing history 50 events
-
2026-08-08days on market $251,990 Active 102 DOM
-
2026-08-07days on market $251,990 Active 101 DOM
-
2026-08-06days on market $251,990 Active 100 DOM
-
2026-08-05days on market $251,990 Active 99 DOM
-
2026-08-04days on market $251,990 Active 98 DOM
-
2026-08-03days on market $251,990 Active 97 DOM
-
2026-07-31days on market $251,990 Active 94 DOM
-
2026-07-30days on market $251,990 Active 93 DOM
-
2026-07-29days on market $251,990 Active 92 DOM
-
2026-07-27days on market $251,990 Active 90 DOM
-
2026-07-25days on market $251,990 Active 88 DOM
-
2026-07-23days on market $251,990 Active 86 DOM
-
2026-07-22days on market $251,990 Active 85 DOM
-
2026-07-21days on market $251,990 Active 84 DOM
-
2026-07-18days on market $251,990 Active 81 DOM
-
2026-07-16days on market $251,990 Active 79 DOM
-
2026-07-16days on market $251,990 Active 78 DOM
-
2026-07-14days on market $251,990 Active 77 DOM
-
2026-07-13days on market $251,990 Active 76 DOM
-
2026-07-12days on market $251,990 Active 75 DOM
-
2026-07-11days on market $251,990 Active 74 DOM
-
2026-07-10days on market $251,990 Active 73 DOM
-
2026-07-09days on market $251,990 Active 72 DOM
-
2026-07-08days on market $251,990 Active 71 DOM
-
2026-07-07days on market $251,990 Active 70 DOM
-
2026-07-06days on market $251,990 Active 69 DOM
-
2026-07-05days on market $251,990 Active 68 DOM
-
2026-07-04days on market $251,990 Active 67 DOM
-
2026-07-03days on market $251,990 Active 66 DOM
-
2026-07-02days on market $251,990 Active 65 DOM
-
2026-07-01days on market $251,990 Active 64 DOM
-
2026-06-30days on market $251,990 Active 63 DOM
-
2026-06-29days on market $251,990 Active 62 DOM
-
2026-06-28days on market $251,990 Active 61 DOM
-
2026-06-28days on market $251,990 Active 60 DOM
-
2026-06-27days on market $251,990 Active 59 DOM
-
2026-06-25days on market $251,990 Active 57 DOM
-
2026-06-23days on market $251,990 Active 55 DOM
-
2026-06-21days on market $251,990 Active 54 DOM
-
2026-06-18days on market $251,990 Active 51 DOM
-
2026-06-17days on market $251,990 Active 50 DOM
-
2026-06-16days on market $251,990 Active 49 DOM
-
2026-06-15days on market $251,990 Active 48 DOM
-
2026-06-14days on market $251,990 Active 46 DOM
-
2026-06-13days on market $251,990 Active 45 DOM
-
2026-06-10days on market $251,990 Active 43 DOM
-
2026-06-09days on market $251,990 Active 42 DOM
-
2026-06-08days on market $251,990 Active 41 DOM
-
2026-06-07days on market $251,990 Active 40 DOM
-
2026-06-03days on market $251,990 Active 36 DOM
ⓘ 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 5/10 Major
- Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $25,000
- − Mortgage interest
- −$15,117
- − Property taxes
- −$4,048
- − Insurance
- −$1,349
- − Repairs & maintenance
- −$2,000
- − Management
- −$2,000
- − HOA
- −$888
- − Depreciation
- −$7,851
- Taxable loss
- −$8,254
- Est. tax savings @ 24.0%
- +$1,981
- After-tax cash flow
- $-1,538/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
This under-construction single-level home boasts a modern, open-concept floorplan with high-end finishes and a low-maintenance layout. It is ready for move-in and offers significant potential for value enhancement through minor updates.
Value-add opportunities
- Both Landscaping improvements — Enhances curb appeal and adds value. ↑
- Both Painting exterior and interior walls — Fresh paint can make a home look more appealing and increase its value. ↑
- Both Add smart home features — Modernizes the home and adds convenience for potential buyers/renters. ↑
- Both Install energy-efficient windows — Reduces energy costs and enhances home's curb appeal. ↑
- Both Upgrade appliances — Modern appliances can increase the home's appeal and value. ↑
- Both Add a smart thermostat — Improves energy efficiency and adds a modern touch to the home. ↑
Zoned Schools
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
- Census place
- Liberty Triangle, FL
- County
- Marion County · 365,905 people
- City population
- 26,397
- Metro
- Ocala, FL
- Population (ZIP)
- 28,997
- Household income
- $65,860
- Rent vs Own
- Severe rent burden
- 10% of renters
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 |
|
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
|
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| Technology Distribution | 1 | $58B |
|
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| Homebuilding | 1 | $35B |
|
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| Technology Manufacturing | 1 | $35B |
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Price history
-2.7% since first listed2 events — show timeline
- 2026-05-13 Price Changed $251,990 Stellar MLS as Distributed by MLS Grid
- 2026-04-28 Listed $258,990 Stellar MLS as Distributed by MLS Grid
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…