Belmont Plan · Liberty Triangle, FL 34476

$253,990

3 bd · 2.0 ba · 1,429 sqft · SingleFamily · 470 Days on market

Excellent condition ↓ 6% since listing

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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 +7.7/30.0
• ARV discount +7.5/15.0
• Condition / age +4.8/5.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• 1% rule +2.3/10.0
• Rent growth +1.9/5.0
• DSCR +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

Key facts

• 2 garage spots
• Listed 470 days

🏗️ New construction. The $253,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $285,204.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $254k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-328 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $238k (6.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $208k (18.1% below list).
• Recommended offer: $208k (18.1% 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.
• Market conditions: Rents soft (-2.6%/yr); 852 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 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 $9k 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 470 days — a 12% lower offer ($224k) is reasonable based on typical stale-listing flexibility.

Recommended offer $207,950 (18.1% 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 470 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.73% ✗
• Cap rate: 4.91%
• Cash-on-cash: -4.93%
• DSCR: 0.78
• GRM: 11.4

CMA / ARV

• ARV (median comp): $285,204
• List price: $253,990
• Delta: -10.94%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4255 SW 82nd Ln	0.16mi	3/2.0	1,487 (+4%)	1mo	$272,900	$184	85
8195 SW 45th Ct	0.28mi	3/2.0	1,428 (-0%)	6mo	$235,000	$165	82
4287 SW 82nd Ln	0.25mi	3/2.0	1,482 (+4%)	5mo	$265,000	$179	78
4636 SW 84th Street Rd	0.13mi	3/2.0	1,487 (+4%)	12mo	$248,960	$167	77
8493 SW 41st Cir	0.43mi	3/2.0	1,428 (-0%)	8mo	$271,390	$190	73
8066 SW 44th Ter	0.25mi	3/2.0	1,263 (-12%)	7mo	$239,580	$190	63
7737 SW 46th Ct	0.51mi	3/2.0	1,223 (-14%)	1mo	$258,965	$212	52
7689 SW 46th Ct	0.54mi	3/2.0	1,223 (-14%)	1mo	$257,965	$211	50
8215 SW 53rd Ct	0.68mi	2/2.0 (-1)	1,373 (-4%)	12mo	$260,000	$189	47

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: -28.1%
• Equity multiple: 0.08×
• Total profit: $-73,180
• Equity at exit: $42,525

10-year hold

• IRR: -43.5%
• Equity multiple: -0.43×
• Total profit: $-114,063
• Equity at exit: $24,659

Cash invested: $79,857 (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: 10.2×

Monthly cashflow live

• Estimated rent: $2,080 high
• Mortgage (P&I): −$1,496
• Tax est. 1.5%: −$357 /mo · $4,278/yr
• Insurance: −$119
• HOA: −$0
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $-328

Break-even live

Break-even rent $2,495

Max offer price $237,716

Occupancy floor —

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: $71,301
• Closing costs: $8,556
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4643 SW 84th Street Rd Ocala, FL	3.0	2.0	1663	$1,925	$1.16	13d	1	0.12mi
4915 SW 81st St Ocala, FL	3.0	2.5	1707	$1,795	$1.05	13d	1	0.24mi
4703 SW 85th Pl Ocala, FL	4.0	2.0	1828	$2,500	$1.37	13d	1	0.25mi
4939 SW 81st Loop Ocala, FL	3.0	2.5	1828	$1,750	$0.96	13d	1	0.26mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	13d	1	0.28mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	13d	1	0.28mi
8609 SW 46th Ter Ocala, FL	3.0	2.0	1670	$2,400	$1.44	13d	1	0.32mi
8665 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	21d	1	0.36mi
8320 SW 41st Ter Ocala, FL	3.0	2.0	1841	$2,300	$1.25	13d	1	0.38mi
4828 SW 86th Ln Ocala, FL	3.0	2.0	1672	$1,950	$1.17	21d	1	0.48mi
4697 SW 89th St Ocala, FL	4.0	2.0	1848	$2,150	$1.16	13d	1	0.60mi
8780 SW 49th Cir Ocala, FL	3.0	2.0	1672	$1,900	$1.14	21d	1	0.75mi
8792 SW 49th Cir Ocala, FL	4.0	2.0	1498	$1,850	$1.23	21d	1	0.77mi
8940 SW 50th Ter Ocala, FL	4.0	2.0	1827	$2,195	$1.20	21d	1	0.79mi
9109 SW 45th Ter Ocala, FL	4.0	2.0	1828	$2,150	$1.18	13d	1	0.80mi
7177 SW 92nd St Ocala, FL	3.0	2.5	1410	$1,850	$1.31	21d	1	0.96mi
13110 SW 89th St Ocala, FL	4.0	2.5	1824	$1,950	$1.07	21d	1	1.40mi
4296 SW 98th St Ocala, FL	3.0	2.0	1607	$1,700	$1.06	21d	1	1.49mi

Listing history 30 events

1. 2026-06-18
   days on market $253,990 Active 470 DOM
2. 2026-06-17
   days on market $253,990 Active 469 DOM
3. 2026-06-16
   days on market $253,990 Active 468 DOM
4. 2026-06-15
   days on market $253,990 Active 467 DOM
5. 2026-06-14
   days on market $253,990 Active 465 DOM
6. 2026-06-13
   days on market $253,990 Active 464 DOM
7. 2026-06-10
   days on market $253,990 Active 462 DOM
8. 2026-06-09
   days on market $253,990 Active 461 DOM
9. 2026-06-08
   days on market $253,990 Active 460 DOM
10. 2026-06-07
    days on market $253,990 Active 459 DOM
11. 2026-06-03
    days on market $253,990 Active 455 DOM
12. 2026-06-02
    days on market $253,990 Active 454 DOM
13. 2026-05-31
    days on market $253,990 Active 452 DOM
14. 2026-05-30
    days on market $253,990 Active 451 DOM
15. 2026-05-12
    price $253,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

16. 2026-02-13
    price $260,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

17. 2025-08-01
    price $247,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

18. 2025-07-30
    price $246,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

19. 2025-07-29
    price $247,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

20. 2025-07-16
    price $246,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

21. 2025-07-08
    price $241,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

22. 2025-07-01
    price $244,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

23. 2025-06-25
    price $252,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

24. 2025-06-21
    price $249,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

25. 2025-06-13
    price $254,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

26. 2025-06-11
    price $244,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

27. 2025-05-09
    price $259,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

28. 2025-05-07
    price $274,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

29. 2025-04-02
    price $271,990 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

30. 2025-03-05
    listed $268,990 Active 450-char remark

    Show marketing remark (450 chars)

    This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner's suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access. Completing the home is a convenient two-car garage.

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

Taxation est. · year 1

• Rental income: $24,954
• − Mortgage interest: −$15,976
• − Property taxes: −$4,278
• − Insurance: −$1,426
• − Repairs & maintenance: −$1,996
• − Management: −$1,996
• − Depreciation: −$8,297
• Taxable loss: −$9,015
• Est. tax savings @ 24.0%: +$2,164
• After-tax cash flow: $-1,774/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 single-family home is in excellent condition with no visible repairs needed. It offers a good investment opportunity with potential for minor updates to enhance its resale and rental value.

Value-add opportunities

• Resale Painting the exterior siding — Fresh paint can enhance curb appeal and property value.
• Resale Landscaping improvements — A well-maintained yard can increase property value and attract potential buyers.
• Resale Updating the kitchen appliances — Modern appliances can make the kitchen more appealing to potential buyers.
• Both Adding smart home features — Smart home features can increase both resale and rental value by making the home more convenient and energy-efficient.

Renovation cost estimate screening

Value-add ROI direction

• Resale Painting the exterior siding — Fresh paint can enhance curb appeal and property value. ↑
• Resale Landscaping improvements — A well-maintained yard can increase property value and attract potential buyers. ↑
• Resale Updating the kitchen appliances — Modern appliances can make the kitchen more appealing to potential buyers. ↑
• Both Adding smart home features — Smart home features can increase both resale and rental value by making the home more convenient and energy-efficient. ↑

ⓘ 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

• Census place: Liberty Triangle, FL
• 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

-5.6% since first listed

16 events — show timeline

• 2026-05-12 Price Changed $253,990 Zillow
• 2026-02-13 Price Changed $260,990 Zillow
• 2025-08-01 Price Changed $247,990 Zillow
• 2025-07-30 Price Changed $246,990 Zillow
• 2025-07-29 Price Changed $247,990 Zillow
• 2025-07-16 Price Changed $246,990 Zillow
• 2025-07-08 Price Changed $241,990 Zillow
• 2025-07-01 Price Changed $244,990 Zillow
• 2025-06-25 Price Changed $252,990 Zillow
• 2025-06-21 Price Changed $249,990 Zillow
• 2025-06-13 Price Changed $254,990 Zillow
• 2025-06-11 Price Changed $244,990 Zillow
• 2025-05-09 Price Changed $259,990 Zillow
• 2025-05-07 Price Changed $274,990 Zillow
• 2025-04-02 Price Changed $271,990 Zillow
• 2025-03-05 Listed $268,990 Zillow