3455 SW 19th St · Ocala, FL 34474

$159,900

2 bd · 2.0 ba · 1,049 sqft · Condo public records · 90 Days on market

Built 1986 $152/sqft · 17% below area Est $192k · 17% under $244/mo HOA · 17% of rent

---

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).

• ARV discount +15.0/15.0
• Cash flow +7.3/30.0
• 1% rule +4.0/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

End unit villa with double drive and 1 car garage on a quiet street. Enjoy your 3 sided screed porch overlooking the park like common rear yard. Be close to the College of Central Florida as well shopping nearby at many major stores. The maintenance of the grounds and shrubs and trees is picture perfect though out. The roof replaced in 2019 with a 40 year roof as well as the central air and smart thermostat in 2023. The galley kitchen boasts a new dishwasher and water softener for your peruse. Come visit this 2 bedroom 2 bath for a look at what comfortable living could be.

Key facts

• Water softener
• Screed porch
• New dishwasher

Tags

• SCREED PORCH
• PARK LIKE COMMON REAR YARD
• NEW DISHWASHER
• WATER SOFTENER
• CENTRAL AIR
• SMART THERMOSTAT

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $160k.

Deal economics

• At list price, monthly cash flow is $-212 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $122k (23.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $143k (10.3% below list).
• Recommended offer: $122k (23.4% below list) — sets the bar for cash-flow.

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.
• Market conditions: Rents flat; 295 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).

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

• It's been on market 90 days — a 6% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 11y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $122k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $122,435 (23.4% 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 90 days. Have you received any prior offers? Is the seller open to a 23% 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. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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?
9. 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.
10. 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.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.90% ✗
• Cap rate: 4.70%
• Cash-on-cash: -5.68%
• DSCR: 0.75
• GRM: 9.3

CMA / ARV

• ARV (median comp): $191,903
• List price: $159,900
• Delta: -16.68%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.12% rent growth · sell at horizon

5-year hold

• IRR: -30.0%
• Equity multiple: 0.03×
• Total profit: $-43,290
• Equity at exit: $23,842

10-year hold

• IRR: -56.1%
• Equity multiple: -0.56×
• Total profit: $-70,056
• Equity at exit: $13,825

Cash invested: $44,772 (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 34474

• Home prices YoY: -28.4%
• Rents YoY: 0.1%
• Active inventory: 295
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,435 high
• Mortgage (P&I): −$839
• Tax from tax record: −$196 /mo · $2,356/yr
• Insurance: −$67
• HOA: −$244
• Vacancy / Maint / Mgmt: −$301
• Net cashflow: $-212

Break-even live

Break-even rent $1,703

Max offer price $122,435

Occupancy floor —

Sensitivity live

Price	-10% $-122	-5% $-167	+0% $-212	+5% $-257	+10% $-303
Rent	-10% $-325	-5% $-269	+0% $-212	+5% $-155	+10% $-99
Rate	-1.0pp $-132	-0.5pp $-171	base $-212	+0.5pp $-254	+1.0pp $-296

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1920 SW 31st Ave Ocala, FL	1.0–2.0	1.0–1.5	800	$1,495	$1.87	14d	8	0.20mi
3435 SW 20th St Ocala, FL	2.0	2.0	1170	$1,480	$1.26	14d	15	0.27mi
1949 SW 30th Ct Apt 201 Ocala, FL	2.0	1.0	882	$1,050	$1.19	14d	1	0.36mi
1949 SW 30th Ct Apt 202 Ocala, FL	2.0	1.0	882	$1,050	$1.19	22d	1	0.36mi
2105 SW 38th Ct Ocala, FL	3.0	2.0	1264	$1,550	$1.23	22d	1	0.42mi
3041 SW 20th St Unit 5 Ocala, FL	2.0	1.5	1055	$1,075	$1.02	22d	1	0.43mi
2622 SW 35th Ave Ocala, FL	2.0	2.0	958	$1,600	$1.67	22d	1	0.55mi
3423 SW 27th St Ocala, FL	3.0	2.0	1250	$1,795	$1.44	22d	1	0.60mi
2707 SW 33rd Ave Ocala, FL	1.0–2.0	1.0–2.0	812	$1,581	$1.95	14d	17	0.66mi
2947 SW 32nd Ave Ocala, FL	2.0	2.0	1065	$1,425	$1.34	14d	1	0.77mi
1601 SW 27th Ave Ocala, FL	1.0–2.0	1.0–2.0	754	$1,357	$1.80	14d	18	0.82mi
1421 SW 27th Ave Ocala, FL	2.0–4.0	1.0–2.0	1228	$1,299	$1.06	14d	19	0.87mi
3409 SW 34th Avenue Cir #9 Ocala, FL	2.0	2.5	1186	$1,500	$1.26	22d	1	0.92mi
3409 SW 34th Avenue Cir Apt 3 Ocala, FL	2.0	2.5	1181	$1,600	$1.35	22d	1	0.93mi
3240 SW 34th St Ocala, FL	1.0–3.0	1.0–2.0	1071	$1,542	$1.44	14d	35	1.32mi
3001 SW 24th Ave Ocala, FL	1.0–3.0	1.0–2.0	1040	$1,656	$1.59	14d	28	1.33mi
NW 40th Avenue Rd Ocala, FL	2.0	1.0	1050	$1,050	$1.00	14d	1	1.37mi
3640 SW 38th Ter Ocala, FL	1.0–3.0	1.0–3.0	1209	$1,856	$1.54	22d	23	1.38mi
2006 SW 7th St Ocala, FL	2.0	1.0	700	$1,050	$1.50	22d	1	1.45mi
708 SW 20th Ave Ocala, FL	2.0	1.0	700	$999	$1.43	22d	1	1.46mi

HOA detail condo

• Monthly dues: $244 · $2,928/yr
• Likely covers: waterlandscaping
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 25 events

1. 2026-06-18
   days on market $159,900 Active 90 DOM
2. 2026-06-17
   days on market $159,900 Active 89 DOM
3. 2026-06-16
   days on market $159,900 Active 88 DOM
4. 2026-06-15
   days on market $159,900 Active 87 DOM
5. 2026-06-14
   days on market $159,900 Active 85 DOM
6. 2026-06-13
   days on market $159,900 Active 84 DOM
7. 2026-06-10
   days on market $159,900 Active 82 DOM
8. 2026-06-09
   days on market $159,900 Active 81 DOM
9. 2026-06-08
   days on market $159,900 Active 80 DOM
10. 2026-06-07
    days on market $159,900 Active 79 DOM
11. 2026-06-03
    days on market $159,900 Active 75 DOM
12. 2026-06-02
    days on market $159,900 Active 74 DOM
13. 2026-06-01
    days on market $159,900 Active 73 DOM
14. 2026-05-31
    days on market $159,900 Active 72 DOM
15. 2026-05-30
    days on market $159,900 Active 71 DOM
16. 2026-03-20
    listed $169,900 Active 581-char remark

    Show marketing remark (581 chars)

    End unit villa with double drive and 1 car garage on a quiet street. Enjoy your 3 sided screed porch overlooking the park like common rear yard. Be close to the College of Central Florida as well shopping nearby at many major stores. The maintenance of the grounds and shrubs and trees is picture perfect though out. The roof replaced in 2019 with a 40 year roof as well as the central air and smart thermostat in 2023. The galley kitchen boasts a new dishwasher and water softener for your peruse. Come visit this 2 bedroom 2 bath for a look at what comfortable living could be.

17. 2026-03-02
    historical
18. 2025-10-02
    listed $186,000 Active
19. 2021-01-12
    soldstatus $122,000
20. 2020-09-25
    listed $122,000
21. 2016-06-15
    soldstatus $75,000
22. 2016-06-10
    soldstatus $75,000
23. 2015-12-03
    listed $82,000
24. 1995-12-05
    soldstatus $57,500
25. 1986-12-01
    soldstatus $58,900

ⓘ 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: $2,356 · $196/mo
• Projected year-2 tax: $2,356 · $196/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 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,217
• − Mortgage interest: −$8,957
• − Property taxes: −$2,356
• − Insurance: −$800
• − Repairs & maintenance: −$1,377
• − Management: −$1,377
• − HOA: −$2,928
• − Depreciation: −$4,652
• Taxable loss: −$5,230
• Est. tax savings @ 24.0%: +$1,255
• After-tax cash flow: $-1,290/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

• Census place: Ocala, FL
• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 20,258
• Household income: $65,291
• Rent vs Own: 55.8% rent · 44.2% own
• Severe rent burden: 1062.0

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 0.64)
• Race & ethnicity: White 52% Hispanic / Latino 25% Black 13% Two or more races 8% Asian 8%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 1%
• Foreign-born: 21% · Canada, Jamaica, Vietnam
• Languages at home: 71% English-only · Spanish 22% Other Indo-European 4% Vietnamese 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: ▼ -78.16%
• Current HPI: 196.5607
• Rent YoY: ▲ 0.12%
• 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

+188.5% since first listed

10 events — show timeline

• 2026-03-20 Listed $169,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-02 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-10-02 Listed $186,000 Stellar MLS as Distributed by MLS Grid
• 2021-01-12 Sold (MLS) $122,000 Stellar MLS as Distributed by MLS Grid
• 2020-09-25 Listed $122,000 Stellar MLS as Distributed by MLS Grid
• 2016-06-15 Sold (Public Records) $75,000 Public Records
• 2016-06-10 Sold (MLS) $75,000 Stellar MLS as Distributed by MLS Grid
• 2015-12-03 Listed $82,000 Stellar MLS as Distributed by MLS Grid
• 1995-12-05 Sold (Public Records) $57,500 Public Records
• 1986-12-01 Sold (Public Records) $58,900 Public Records

Property tax history

+18.5%/yr

Latest (2025): $2,356 · +0.9% YoY. Source: county tax records.