10767 SE 174th Loop · The Villages, FL 34491

$225,000

3 bd · 2.0 ba · 1,690 sqft · SingleFamily public records · 204 Days on market

Built 1994 7,405 sqft lot $133/sqft · 7% below area Est $241k · 7% under $179/mo HOA · 9% of rent

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Why this score? — see what drove the D 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 +11.5/30.0
• ARV discount +10.5/15.0
• 1% rule +4.2/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• DSCR +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to a lifestyle where every day feels like a Saturday in the Beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, located adjacent to THE VILLAGES, FLORIDA. This charming 3 Bedroom, 2 Bath home offers the perfect blend of comfort, convenience, and carefree living, making it an ideal place to enjoy your retirement years to the fullest. Step inside to find soaring high ceilings and fresh interior paint completed in November 2025, creating a bright and welcoming atmosphere. The home features TILE flooring throughout the main living areas with LAMINATE flooring in the bedrooms and Florida room. Modern STAINLESS STEEL appliances add a touch of elegance to the thoughtfully designed kitchen. Practical updates include SOLAR PANELS installed in 2021 to help reduce your utility costs, 2010 ROOF and WINDOWS Replaced 2012. The partially FENCED BACKYARD is perfect for those with a beloved pet, offering peace of mind and room to enjoy the outdoors. Living here means embracing the freedom and fun of a golf cart lifestyle, with convenient access to shopping, dining, and countless local amenities, all just a short ride away. Spruce Creek South offers a warm, welcoming environment with an abundance of clubs, activities, and opportunities to connect with neighbors who soon feel like family. This home is attractively priced and ready for you to start living your best retirement life. Welcome home to Spruce Creek South where relaxation, recreation, and community come together beautifully.

Key facts

• Laminate flooring
• Gated golf community
• Tile flooring

Tags

• GATED GOLF COMMUNITY
• TILE FLOORING
• LAMINATE FLOORING
• STAINLESS STEEL APPLIANCES
• SOLAR PANELS
• PARTIALLY FENCED BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $-73 ($-879/yr) — negative.
• To cash-flow at today's rent, offer at most $212k (5.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $208k (7.7% below list).
• Recommended offer: $198k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A, employment B+; Watch: amenities F, commute F, health & safety 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: Stanton-Weirsdale Elementary School (math 42% / reading 36%, grade F, #1,560 of 2,144 statewide, top 73%, 544 students, 70% FRL); Lake Weir Middle School (math 37% / reading 33%, grade F, #416 of 571 statewide, top 74%, 1,207 students, 76% FRL); Belleview High School (math 31% / reading 46%, grade F, #321 of 667 statewide, top 49%, 1,783 students, 56% FRL).
• Market conditions: 713 active listings in the ZIP; 22 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 37% of the median local income ($67k/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 $7k 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 204 days — a 12% lower offer ($198k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y ago; this cycle's ask has dropped $14k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major flood risk; 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 $198,000 (12.0% 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 204 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.92% ✗
• Cap rate: 5.90%
• Cash-on-cash: -1.40%
• DSCR: 0.94
• GRM: 9.0

CMA / ARV

• ARV (median comp): $241,297
• List price: $225,000
• Delta: -6.75%
• 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
10683 SE 174th Loop	0.21mi	3/2.0	1,450 (-14%)	2mo	$220,000	$152	65
10986 SE 171st Street Rd	0.45mi	3/2.0	1,631 (-4%)	11mo	$325,000	$199	64
17472 SE 112th Ct	0.61mi	3/2.0	1,734 (+3%)	8mo	$366,548	$211	61
17430 SE 110th Ter	0.42mi	2/2.0 (-1)	1,623 (-4%)	12mo	$309,900	$191	59
10410 SE 179th Pl	0.57mi	3/2.0	1,526 (-10%)	3mo	$205,000	$134	55
10486 SE 179th Pl	0.52mi	3/2.0	1,450 (-14%)	13mo	$250,000	$172	41
10922 SE 168th Loop	0.73mi	3/2.0	1,912 (+13%)	16mo	$395,000	$207	31

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -18.5%
• Equity multiple: 0.35×
• Total profit: $-40,997
• Equity at exit: $33,548

10-year hold

• IRR: -10.8%
• Equity multiple: 0.35×
• Total profit: $-41,184
• Equity at exit: $19,454

Cash invested: $63,000 (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 34491

• Home prices YoY: -35.0%
• Active inventory: 713
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $2,077 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$261 /mo · $3,135/yr
• Insurance: −$94
• HOA: −$179
• Vacancy / Maint / Mgmt: −$436
• Net cashflow: $-73

Break-even live

Break-even rent $2,170

Max offer price $212,057

Occupancy floor 99%

Sensitivity live

Price	-10% $54	-5% $-10	+0% $-73	+5% $-137	+10% $-201
Rent	-10% $-237	-5% $-155	+0% $-73	+5% $9	+10% $91
Rate	-1.0pp $40	-0.5pp $-16	base $-73	+0.5pp $-132	+1.0pp $-191

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10397 SE 176th St Summerfield, FL	2.0	2.0	1296	$2,150	$1.66	23d	1	0.38mi
17532 SE 100th Ct Summerfield, FL	2.0	2.0	1217	$1,800	$1.48	23d	1	0.69mi
13957 County Road 109D Lady Lake, FL	2.0	2.0	1482	$1,650	$1.11	23d	1	0.70mi
13904 County Road 109D Lady Lake, FL	3.0	2.0	1568	$1,550	$0.99	23d	1	0.72mi
17817 SE 115th Ct Unit 1 Summerfield, FL	3.0	2.0	2144	$2,300	$1.07	23d	1	0.92mi
17199 SE 97th Ter Summerfield, FL	3.0	2.0	1404	$1,990	$1.42	23d	1	1.01mi
1505 Doria Ln Lady Lake, FL	3.0	2.0	2048	$3,500	$1.71	23d	1	1.08mi
17582 SE 96th Ct Summerfield, FL	2.0	2.0	1652	$1,750	$1.06	23d	1	1.13mi
1377 Camero Dr Lady Lake, FL	3.0	2.0	1462	$5,500	$3.76	23d	1	1.16mi
17951 SE 115th Cir Summerfield, FL	3.0	2.0	1829	$2,100	$1.15	15d	1	1.21mi
17522 SE 95th Cir Summerfield, FL	2.0	2.0	1884	$1,875	$1.00	23d	1	1.24mi
17713 SE 95th Cir Summerfield, FL	3.0	2.0	1450	$2,000	$1.38	23d	1	1.25mi
13765 NE 136th Loop Lady Lake, FL	1.0–3.0	1.0–2.0	1078	$1,991	$1.85	23d	36	1.33mi
13740 Lead LN The Villages, FL	1.0–3.0	1.0–2.0	1029	$2,150	$2.09	23d	38	1.35mi
11001 SE Sunset Harbor Rd Unit H52 Summerfield, FL	2.0	2.5	1224	$1,440	$1.18	23d	1	1.36mi
10326 SE 162nd Place Rd Summerfield, FL	3.0	2.0	1419	$2,300	$1.62	15d	1	1.37mi
11001 SE Sunset Harbor Rd Summerfield, FL	2.0	1.5–2.0	1244	$1,770	$1.42	23d	2	1.40mi
9523 SE 168th Maplesong Ln The Villages, FL	3.0	2.0	1265	$1,975	$1.56	23d	1	1.41mi
17408 SE 121st Cir Summerfield, FL	3.0	2.0	1733	$1,850	$1.07	23d	1	1.44mi
11001 SE Sunset Harbor Rd Unit A08 Summerfield, FL	2.0	1.5	1200	$2,000	$1.67	23d	1	1.44mi
17472 SE 121st Cir Summerfield, FL	3.0	2.0	1330	$1,950	$1.47	15d	1	1.48mi
16962 SE 94th Sunnybrook Cir The Villages, FL	2.0	2.0	1160	$2,000	$1.72	23d	1	1.50mi

HOA detail

• Monthly dues: $179 · $2,148/yr
• Likely covers: security

Listing history 27 events

1. 2026-06-22
   days on market $225,000 Active 204 DOM
2. 2026-06-18
   days on market $225,000 Active 201 DOM
3. 2026-06-17
   days on market $225,000 Active 200 DOM
4. 2026-06-16
   days on market $225,000 Active 199 DOM
5. 2026-06-15
   days on market $225,000 Active 198 DOM
6. 2026-06-14
   days on market $225,000 Active 196 DOM
7. 2026-06-13
   days on market $225,000 Active 195 DOM
8. 2026-06-10
   pricedays on market $225,000 Active 193 DOM
9. 2026-06-09
   days on market $239,900 Active 192 DOM
10. 2026-06-08
    days on market $239,900 Active 191 DOM
11. 2026-06-07
    days on market $239,900 Active 190 DOM
12. 2026-06-03
    days on market $239,900 Active 186 DOM
13. 2026-06-02
    days on market $239,900 Active 185 DOM
14. 2026-05-31
    days on market $239,900 Active 183 DOM
15. 2026-05-30
    days on market $239,900 Active 182 DOM
16. 2026-04-22
    price $234,000 1504-char remark

    Show marketing remark (1504 chars)

    Welcome to a lifestyle where every day feels like a Saturday in the Beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, located adjacent to THE VILLAGES, FLORIDA. This charming 3 Bedroom, 2 Bath home offers the perfect blend of comfort, convenience, and carefree living, making it an ideal place to enjoy your retirement years to the fullest. Step inside to find soaring high ceilings and fresh interior paint completed in November 2025, creating a bright and welcoming atmosphere. The home features TILE flooring throughout the main living areas with LAMINATE flooring in the bedrooms and Florida room. Modern STAINLESS STEEL appliances add a touch of elegance to the thoughtfully designed kitchen. Practical updates include SOLAR PANELS installed in 2021 to help reduce your utility costs, 2010 ROOF and WINDOWS Replaced 2012. The partially FENCED BACKYARD is perfect for those with a beloved pet, offering peace of mind and room to enjoy the outdoors. Living here means embracing the freedom and fun of a golf cart lifestyle, with convenient access to shopping, dining, and countless local amenities, all just a short ride away. Spruce Creek South offers a warm, welcoming environment with an abundance of clubs, activities, and opportunities to connect with neighbors who soon feel like family. This home is attractively priced and ready for you to start living your best retirement life. Welcome home to Spruce Creek South where relaxation, recreation, and community come together beautifully.

17. 2025-11-29
    listed $239,000 Active 1504-char remark

    Show marketing remark (1504 chars)

    Welcome to a lifestyle where every day feels like a Saturday in the Beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, located adjacent to THE VILLAGES, FLORIDA. This charming 3 Bedroom, 2 Bath home offers the perfect blend of comfort, convenience, and carefree living, making it an ideal place to enjoy your retirement years to the fullest. Step inside to find soaring high ceilings and fresh interior paint completed in November 2025, creating a bright and welcoming atmosphere. The home features TILE flooring throughout the main living areas with LAMINATE flooring in the bedrooms and Florida room. Modern STAINLESS STEEL appliances add a touch of elegance to the thoughtfully designed kitchen. Practical updates include SOLAR PANELS installed in 2021 to help reduce your utility costs, 2010 ROOF and WINDOWS Replaced 2012. The partially FENCED BACKYARD is perfect for those with a beloved pet, offering peace of mind and room to enjoy the outdoors. Living here means embracing the freedom and fun of a golf cart lifestyle, with convenient access to shopping, dining, and countless local amenities, all just a short ride away. Spruce Creek South offers a warm, welcoming environment with an abundance of clubs, activities, and opportunities to connect with neighbors who soon feel like family. This home is attractively priced and ready for you to start living your best retirement life. Welcome home to Spruce Creek South where relaxation, recreation, and community come together beautifully.

18. 2021-10-29
    soldstatus $229,900 Closed 1056-char remark

    Show marketing remark (1056 chars)

    PRICE REDUCED $15,000 - OWNER MOTIVATED SELLER. Located in the beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, a couple miles from The Village, this expanded very popular "Holly" model has much to offer. It is a 3 bedroom, 2 bath, split floor plan with a 12'X19' finished Florida Room under heat and air-conditioning with new wood like vinyl plank 100% waterproof flooring. New A/C 8/21.This home was fitted with new insulated, thermal pane, low-e, impact window in 2013, a new roof 2010 and a new water heater in 2016. The roof was just inspected and in great shape prior to installing new Solar Panel Power generation system for very low energy costs. The home has tile flooring throughout except the master bedroom which has vinyl plank flooring and the two spare bedrooms that have wood laminate. The interior is freshly painted except the spare bedrooms. Adjacent to the Florida Room is a covered, screened porch 12'X22' with two newer beautiful paddle ceiling fans to help enjoy some outdoor living at its best in Sunny Florida.

19. 2021-09-21
    status Pending 1056-char remark

    Show marketing remark (1056 chars)

    PRICE REDUCED $15,000 - OWNER MOTIVATED SELLER. Located in the beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, a couple miles from The Village, this expanded very popular "Holly" model has much to offer. It is a 3 bedroom, 2 bath, split floor plan with a 12'X19' finished Florida Room under heat and air-conditioning with new wood like vinyl plank 100% waterproof flooring. New A/C 8/21.This home was fitted with new insulated, thermal pane, low-e, impact window in 2013, a new roof 2010 and a new water heater in 2016. The roof was just inspected and in great shape prior to installing new Solar Panel Power generation system for very low energy costs. The home has tile flooring throughout except the master bedroom which has vinyl plank flooring and the two spare bedrooms that have wood laminate. The interior is freshly painted except the spare bedrooms. Adjacent to the Florida Room is a covered, screened porch 12'X22' with two newer beautiful paddle ceiling fans to help enjoy some outdoor living at its best in Sunny Florida.

20. 2021-09-06
    status Active 1056-char remark

    Show marketing remark (1056 chars)

    PRICE REDUCED $15,000 - OWNER MOTIVATED SELLER. Located in the beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, a couple miles from The Village, this expanded very popular "Holly" model has much to offer. It is a 3 bedroom, 2 bath, split floor plan with a 12'X19' finished Florida Room under heat and air-conditioning with new wood like vinyl plank 100% waterproof flooring. New A/C 8/21.This home was fitted with new insulated, thermal pane, low-e, impact window in 2013, a new roof 2010 and a new water heater in 2016. The roof was just inspected and in great shape prior to installing new Solar Panel Power generation system for very low energy costs. The home has tile flooring throughout except the master bedroom which has vinyl plank flooring and the two spare bedrooms that have wood laminate. The interior is freshly painted except the spare bedrooms. Adjacent to the Florida Room is a covered, screened porch 12'X22' with two newer beautiful paddle ceiling fans to help enjoy some outdoor living at its best in Sunny Florida.

21. 2021-07-25
    status Pending 1056-char remark

    Show marketing remark (1056 chars)

    PRICE REDUCED $15,000 - OWNER MOTIVATED SELLER. Located in the beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, a couple miles from The Village, this expanded very popular "Holly" model has much to offer. It is a 3 bedroom, 2 bath, split floor plan with a 12'X19' finished Florida Room under heat and air-conditioning with new wood like vinyl plank 100% waterproof flooring. New A/C 8/21.This home was fitted with new insulated, thermal pane, low-e, impact window in 2013, a new roof 2010 and a new water heater in 2016. The roof was just inspected and in great shape prior to installing new Solar Panel Power generation system for very low energy costs. The home has tile flooring throughout except the master bedroom which has vinyl plank flooring and the two spare bedrooms that have wood laminate. The interior is freshly painted except the spare bedrooms. Adjacent to the Florida Room is a covered, screened porch 12'X22' with two newer beautiful paddle ceiling fans to help enjoy some outdoor living at its best in Sunny Florida.

22. 2021-07-15
    status Active 1056-char remark

    Show marketing remark (1056 chars)

    PRICE REDUCED $15,000 - OWNER MOTIVATED SELLER. Located in the beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, a couple miles from The Village, this expanded very popular "Holly" model has much to offer. It is a 3 bedroom, 2 bath, split floor plan with a 12'X19' finished Florida Room under heat and air-conditioning with new wood like vinyl plank 100% waterproof flooring. New A/C 8/21.This home was fitted with new insulated, thermal pane, low-e, impact window in 2013, a new roof 2010 and a new water heater in 2016. The roof was just inspected and in great shape prior to installing new Solar Panel Power generation system for very low energy costs. The home has tile flooring throughout except the master bedroom which has vinyl plank flooring and the two spare bedrooms that have wood laminate. The interior is freshly painted except the spare bedrooms. Adjacent to the Florida Room is a covered, screened porch 12'X22' with two newer beautiful paddle ceiling fans to help enjoy some outdoor living at its best in Sunny Florida.

23. 2021-07-10
    status Pending 1056-char remark

    Show marketing remark (1056 chars)

    PRICE REDUCED $15,000 - OWNER MOTIVATED SELLER. Located in the beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, a couple miles from The Village, this expanded very popular "Holly" model has much to offer. It is a 3 bedroom, 2 bath, split floor plan with a 12'X19' finished Florida Room under heat and air-conditioning with new wood like vinyl plank 100% waterproof flooring. New A/C 8/21.This home was fitted with new insulated, thermal pane, low-e, impact window in 2013, a new roof 2010 and a new water heater in 2016. The roof was just inspected and in great shape prior to installing new Solar Panel Power generation system for very low energy costs. The home has tile flooring throughout except the master bedroom which has vinyl plank flooring and the two spare bedrooms that have wood laminate. The interior is freshly painted except the spare bedrooms. Adjacent to the Florida Room is a covered, screened porch 12'X22' with two newer beautiful paddle ceiling fans to help enjoy some outdoor living at its best in Sunny Florida.

24. 2021-06-26
    price $229,900 1056-char remark

    Show marketing remark (1056 chars)

    PRICE REDUCED $15,000 - OWNER MOTIVATED SELLER. Located in the beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, a couple miles from The Village, this expanded very popular "Holly" model has much to offer. It is a 3 bedroom, 2 bath, split floor plan with a 12'X19' finished Florida Room under heat and air-conditioning with new wood like vinyl plank 100% waterproof flooring. New A/C 8/21.This home was fitted with new insulated, thermal pane, low-e, impact window in 2013, a new roof 2010 and a new water heater in 2016. The roof was just inspected and in great shape prior to installing new Solar Panel Power generation system for very low energy costs. The home has tile flooring throughout except the master bedroom which has vinyl plank flooring and the two spare bedrooms that have wood laminate. The interior is freshly painted except the spare bedrooms. Adjacent to the Florida Room is a covered, screened porch 12'X22' with two newer beautiful paddle ceiling fans to help enjoy some outdoor living at its best in Sunny Florida.

25. 2021-06-15
    listed $244,900 Active 1056-char remark

    Show marketing remark (1056 chars)

    PRICE REDUCED $15,000 - OWNER MOTIVATED SELLER. Located in the beautiful 55+ Gated Golf Community of SPRUCE CREEK SOUTH, a couple miles from The Village, this expanded very popular "Holly" model has much to offer. It is a 3 bedroom, 2 bath, split floor plan with a 12'X19' finished Florida Room under heat and air-conditioning with new wood like vinyl plank 100% waterproof flooring. New A/C 8/21.This home was fitted with new insulated, thermal pane, low-e, impact window in 2013, a new roof 2010 and a new water heater in 2016. The roof was just inspected and in great shape prior to installing new Solar Panel Power generation system for very low energy costs. The home has tile flooring throughout except the master bedroom which has vinyl plank flooring and the two spare bedrooms that have wood laminate. The interior is freshly painted except the spare bedrooms. Adjacent to the Florida Room is a covered, screened porch 12'X22' with two newer beautiful paddle ceiling fans to help enjoy some outdoor living at its best in Sunny Florida.

26. 2001-02-23
    soldstatus $46,750
27. 2000-06-13
    soldstatus $88,500

ⓘ 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: $3,135 · $261/mo
• Projected year-2 tax: $3,135 · $261/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 6/10 Major FEMA zone X (unshaded) · 75% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥109°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,922
• − Mortgage interest: −$12,603
• − Property taxes: −$3,135
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,994
• − Management: −$1,994
• − HOA: −$2,148
• − Depreciation: −$6,545
• Taxable loss: −$4,623
• Est. tax savings @ 24.0%: +$1,110
• After-tax cash flow: $230/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 — The Villages

• Score: 70/100
• State rank: #431
• US rank: #7363

Category grades

Amenities F Commute F Cost of living B- Crime A+ Employment B+ Housing A Health & safety F User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 83,973
• Metro: Ocala, FL
• Population (ZIP): 33,318
• Household income: $66,679
• Rent vs Own: 13.2% rent · 86.8% own
• Severe rent burden: 256.0

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 (77%)
• Race & ethnicity: White 77% Hispanic / Latino 14% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Slovak 2% Romanian 2%
• Foreign-born: 8% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 11% Vietnamese 1% French/Haitian/Cajun 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: ▼ -107.67%
• Current HPI: 200.0792
• Rent YoY: —
• 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

+164.4% since first listed

12 events — show timeline

• 2026-04-22 Price Changed $234,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-29 Listed $239,000 Stellar MLS as Distributed by MLS Grid
• 2021-10-29 Sold (MLS) $229,900 Stellar MLS as Distributed by MLS Grid
• 2021-09-21 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-09-06 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-07-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-07-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-07-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-06-26 Price Changed $229,900 Stellar MLS as Distributed by MLS Grid
• 2021-06-15 Listed $244,900 Stellar MLS as Distributed by MLS Grid
• 2001-02-23 Sold (Public Records) $46,750 Public Records
• 2000-06-13 Sold (Public Records) $88,500 Public Records

Property tax history

+10.8%/yr

Latest (2025): $3,135 · +8.9% YoY. Source: county tax records.