6468 SW 107th Pl · Liberty Triangle, FL 34476

$178,000

2 bd · 2.0 ba · 960 sqft · SingleFamily public records · 309 Days on market

Built 1988 0.25 ac lot $185/sqft · 14% above area Est $178k · at est. $120/mo HOA · 8% 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).

• Cash flow +12.6/30.0
• ARV discount +7.6/15.0
• 1% rule +3.9/10.0
• DSCR +3.7/10.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Easy living, flexible space, and an affordable 55+ lifestyle come together in this well-maintained 2-bedroom, 2-bath home located in the desirable Spruce Creek North community. Set on a generous quarter-acre lot, the home offers a comfortable single-level layout and a sense of openness that feels larger than the square footage suggests. Inside, you’ll find a welcoming living and dining area with an easy flow for everyday living, along with a functional kitchen offering ample cabinet storage. The primary suite features a private bath and walk-in closet, while the guest bedroom is conveniently located near the second full bath. An indoor laundry area adds everyday convenience. One of the home’s standout features is the enclosed Florida room, along with an additional flexible bonus area that was formerly a carport. Virtual staging has been included to illustrate potential uses of these spaces, helping buyers visualize how the home can comfortably accommodate relaxing, entertaining, hobbies, or additional storage. For those who prefer covered parking, the bonus area can easily be converted back to a traditional carport — offering versatility without changing the home’s footprint. The pricing reflects the home’s original living area, with the bonus space provided as added flexibility rather than counted square footage. Recent updates include a new roof (2022) and an updated HVAC system, providing peace of mind. The home shows clean, well cared for, and move-in ready. Spruce Creek North is known for its low-maintenance lifestyle and active amenities, including a community pool, clubhouse, fitness center, tennis and racquetball courts, walking paths, and security patrol — all with an affordable monthly HOA fee. Conveniently located near shopping, dining, medical facilities, and SR-200. If you’re looking for an affordable 55+ home with flexible living space, a larger lot, and a convenient Ocala location, this property is well worth seeing in person.

Key facts

• Indoor laundry area
• Extra storage
• Florida room

Tags

• 2022 ROOF
• LENNOX HVAC SYSTEM
• FLORIDA ROOM
• COVERED SCREENED PORCH
• INDOOR LAUNDRY AREA
• EXTRA STORAGE

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $178k.

Deal economics

• At list price, monthly cash flow is $-24 ($-285/yr) — negative.
• To cash-flow at today's rent, offer at most $174k (2.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $158k (11.0% below list).
• Recommended offer: $157k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.1% vs local median 4.5% in Liberty Triangle — 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 D — 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; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 309 days — a 12% lower offer ($157k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 21y 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 — expect insurance premiums to compound above CPI over the hold.

Recommended offer $156,640 (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 309 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. 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?
7. 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.
8. 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.
9. 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: 0.89% ✗
• Cap rate: 6.13%
• Cash-on-cash: -0.57%
• DSCR: 0.97
• GRM: 9.4

CMA / ARV

• ARV (median comp): $178,435
• List price: $178,000
• Delta: -0.24%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6250 SW 100th Loop	0.57mi	2/2.0	996 (+4%)	8mo	$175,000	$176	61
10131 SW 62nd Terrace Rd	0.64mi	2/2.0	1,008 (+5%)	5mo	$155,000	$154	58

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: -20.8%
• Equity multiple: 0.30×
• Total profit: $-34,946
• Equity at exit: $26,540

10-year hold

• IRR: -23.3%
• Equity multiple: -0.01×
• Total profit: $-50,104
• Equity at exit: $15,390

Cash invested: $49,840 (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: 9.4×

Monthly cashflow live

• Estimated rent: $1,583 medium
• Mortgage (P&I): −$933
• Tax from tax record: −$147 /mo · $1,764/yr
• Insurance: −$74
• HOA: −$120
• Vacancy / Maint / Mgmt: −$333
• Net cashflow: $-24

Break-even live

Break-even rent $1,613

Max offer price $173,802

Occupancy floor 96%

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: $44,500
• Closing costs: $5,340
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6345 SW 115th Street Rd Ocala, FL	2.0	2.0	1008	$1,400	$1.39	21d	1	0.28mi
10312 SW 61st Terrace Rd Ocala, FL	2.0	2.0	1008	$1,650	$1.64	21d	1	0.58mi
9853 SW 59th Cir Ocala, FL	2.0	1.0	935	$1,500	$1.60	13d	1	0.92mi
11112 SW 78th Ave Ocala, FL	2.0	1.0	672	$1,150	$1.71	21d	1	1.43mi

HOA detail

• Monthly dues: $120 · $1,440/yr
• Likely covers: poolgymsecurity

Listing history 31 events

1. 2026-06-18
   days on market $178,000 Active 309 DOM
2. 2026-06-17
   days on market $178,000 Active 308 DOM
3. 2026-06-16
   days on market $178,000 Active 307 DOM
4. 2026-06-15
   days on market $178,000 Active 306 DOM
5. 2026-06-14
   days on market $178,000 Active 304 DOM
6. 2026-06-13
   days on market $178,000 Active 303 DOM
7. 2026-06-10
   days on market $178,000 Active 301 DOM
8. 2026-06-09
   days on market $178,000 Active 300 DOM
9. 2026-06-08
   days on market $178,000 Active 299 DOM
10. 2026-06-07
    days on market $178,000 Active 298 DOM
11. 2026-06-03
    days on market $178,000 Active 294 DOM
12. 2026-06-02
    days on market $178,000 Active 293 DOM
13. 2026-05-31
    days on market $178,000 Active 291 DOM
14. 2026-05-30
    days on market $178,000 Active 290 DOM
15. 2026-01-31
    status Active 2020-char remark

    Show marketing remark (2020 chars)

    Easy living, flexible space, and an affordable 55+ lifestyle come together in this well-maintained 2-bedroom, 2-bath home located in the desirable Spruce Creek North community. Set on a generous quarter-acre lot, the home offers a comfortable single-level layout and a sense of openness that feels larger than the square footage suggests. Inside, you’ll find a welcoming living and dining area with an easy flow for everyday living, along with a functional kitchen offering ample cabinet storage. The primary suite features a private bath and walk-in closet, while the guest bedroom is conveniently located near the second full bath. An indoor laundry area adds everyday convenience. One of the home’s standout features is the enclosed Florida room, along with an additional flexible bonus area that was formerly a carport. Virtual staging has been included to illustrate potential uses of these spaces, helping buyers visualize how the home can comfortably accommodate relaxing, entertaining, hobbies, or additional storage. For those who prefer covered parking, the bonus area can easily be converted back to a traditional carport — offering versatility without changing the home’s footprint. The pricing reflects the home’s original living area, with the bonus space provided as added flexibility rather than counted square footage. Recent updates include a new roof (2022) and an updated HVAC system, providing peace of mind. The home shows clean, well cared for, and move-in ready. Spruce Creek North is known for its low-maintenance lifestyle and active amenities, including a community pool, clubhouse, fitness center, tennis and racquetball courts, walking paths, and security patrol — all with an affordable monthly HOA fee. Conveniently located near shopping, dining, medical facilities, and SR-200. If you’re looking for an affordable 55+ home with flexible living space, a larger lot, and a convenient Ocala location, this property is well worth seeing in person.

16. 2026-01-31
    price $178,000 2020-char remark

    Show marketing remark (2020 chars)

    Easy living, flexible space, and an affordable 55+ lifestyle come together in this well-maintained 2-bedroom, 2-bath home located in the desirable Spruce Creek North community. Set on a generous quarter-acre lot, the home offers a comfortable single-level layout and a sense of openness that feels larger than the square footage suggests. Inside, you’ll find a welcoming living and dining area with an easy flow for everyday living, along with a functional kitchen offering ample cabinet storage. The primary suite features a private bath and walk-in closet, while the guest bedroom is conveniently located near the second full bath. An indoor laundry area adds everyday convenience. One of the home’s standout features is the enclosed Florida room, along with an additional flexible bonus area that was formerly a carport. Virtual staging has been included to illustrate potential uses of these spaces, helping buyers visualize how the home can comfortably accommodate relaxing, entertaining, hobbies, or additional storage. For those who prefer covered parking, the bonus area can easily be converted back to a traditional carport — offering versatility without changing the home’s footprint. The pricing reflects the home’s original living area, with the bonus space provided as added flexibility rather than counted square footage. Recent updates include a new roof (2022) and an updated HVAC system, providing peace of mind. The home shows clean, well cared for, and move-in ready. Spruce Creek North is known for its low-maintenance lifestyle and active amenities, including a community pool, clubhouse, fitness center, tennis and racquetball courts, walking paths, and security patrol — all with an affordable monthly HOA fee. Conveniently located near shopping, dining, medical facilities, and SR-200. If you’re looking for an affordable 55+ home with flexible living space, a larger lot, and a convenient Ocala location, this property is well worth seeing in person.

17. 2026-01-30
    historical 2020-char remark

    Show marketing remark (2020 chars)

    Easy living, flexible space, and an affordable 55+ lifestyle come together in this well-maintained 2-bedroom, 2-bath home located in the desirable Spruce Creek North community. Set on a generous quarter-acre lot, the home offers a comfortable single-level layout and a sense of openness that feels larger than the square footage suggests. Inside, you’ll find a welcoming living and dining area with an easy flow for everyday living, along with a functional kitchen offering ample cabinet storage. The primary suite features a private bath and walk-in closet, while the guest bedroom is conveniently located near the second full bath. An indoor laundry area adds everyday convenience. One of the home’s standout features is the enclosed Florida room, along with an additional flexible bonus area that was formerly a carport. Virtual staging has been included to illustrate potential uses of these spaces, helping buyers visualize how the home can comfortably accommodate relaxing, entertaining, hobbies, or additional storage. For those who prefer covered parking, the bonus area can easily be converted back to a traditional carport — offering versatility without changing the home’s footprint. The pricing reflects the home’s original living area, with the bonus space provided as added flexibility rather than counted square footage. Recent updates include a new roof (2022) and an updated HVAC system, providing peace of mind. The home shows clean, well cared for, and move-in ready. Spruce Creek North is known for its low-maintenance lifestyle and active amenities, including a community pool, clubhouse, fitness center, tennis and racquetball courts, walking paths, and security patrol — all with an affordable monthly HOA fee. Conveniently located near shopping, dining, medical facilities, and SR-200. If you’re looking for an affordable 55+ home with flexible living space, a larger lot, and a convenient Ocala location, this property is well worth seeing in person.

18. 2025-10-27
    price $179,900 2020-char remark

    Show marketing remark (2020 chars)

    Easy living, flexible space, and an affordable 55+ lifestyle come together in this well-maintained 2-bedroom, 2-bath home located in the desirable Spruce Creek North community. Set on a generous quarter-acre lot, the home offers a comfortable single-level layout and a sense of openness that feels larger than the square footage suggests. Inside, you’ll find a welcoming living and dining area with an easy flow for everyday living, along with a functional kitchen offering ample cabinet storage. The primary suite features a private bath and walk-in closet, while the guest bedroom is conveniently located near the second full bath. An indoor laundry area adds everyday convenience. One of the home’s standout features is the enclosed Florida room, along with an additional flexible bonus area that was formerly a carport. Virtual staging has been included to illustrate potential uses of these spaces, helping buyers visualize how the home can comfortably accommodate relaxing, entertaining, hobbies, or additional storage. For those who prefer covered parking, the bonus area can easily be converted back to a traditional carport — offering versatility without changing the home’s footprint. The pricing reflects the home’s original living area, with the bonus space provided as added flexibility rather than counted square footage. Recent updates include a new roof (2022) and an updated HVAC system, providing peace of mind. The home shows clean, well cared for, and move-in ready. Spruce Creek North is known for its low-maintenance lifestyle and active amenities, including a community pool, clubhouse, fitness center, tennis and racquetball courts, walking paths, and security patrol — all with an affordable monthly HOA fee. Conveniently located near shopping, dining, medical facilities, and SR-200. If you’re looking for an affordable 55+ home with flexible living space, a larger lot, and a convenient Ocala location, this property is well worth seeing in person.

19. 2025-08-12
    listed $185,000 Active 2020-char remark

    Show marketing remark (2020 chars)

    Easy living, flexible space, and an affordable 55+ lifestyle come together in this well-maintained 2-bedroom, 2-bath home located in the desirable Spruce Creek North community. Set on a generous quarter-acre lot, the home offers a comfortable single-level layout and a sense of openness that feels larger than the square footage suggests. Inside, you’ll find a welcoming living and dining area with an easy flow for everyday living, along with a functional kitchen offering ample cabinet storage. The primary suite features a private bath and walk-in closet, while the guest bedroom is conveniently located near the second full bath. An indoor laundry area adds everyday convenience. One of the home’s standout features is the enclosed Florida room, along with an additional flexible bonus area that was formerly a carport. Virtual staging has been included to illustrate potential uses of these spaces, helping buyers visualize how the home can comfortably accommodate relaxing, entertaining, hobbies, or additional storage. For those who prefer covered parking, the bonus area can easily be converted back to a traditional carport — offering versatility without changing the home’s footprint. The pricing reflects the home’s original living area, with the bonus space provided as added flexibility rather than counted square footage. Recent updates include a new roof (2022) and an updated HVAC system, providing peace of mind. The home shows clean, well cared for, and move-in ready. Spruce Creek North is known for its low-maintenance lifestyle and active amenities, including a community pool, clubhouse, fitness center, tennis and racquetball courts, walking paths, and security patrol — all with an affordable monthly HOA fee. Conveniently located near shopping, dining, medical facilities, and SR-200. If you’re looking for an affordable 55+ home with flexible living space, a larger lot, and a convenient Ocala location, this property is well worth seeing in person.

20. 2025-07-08
    historical
21. 2025-05-08
    listed $185,999 Active
22. 2022-04-28
    soldstatus $162,500
23. 2022-04-27
    soldstatus $162,500 Closed
24. 2022-01-19
    status Pending
25. 2022-01-11
    listed $159,000 Active
26. 2016-12-05
    soldstatus $49,100
27. 2016-09-21
    listed $49,000
28. 2005-11-23
    soldstatus $94,900
29. 2005-11-18
    soldstatus $94,900
30. 2005-10-02
    listed $94,900
31. 1988-06-01
    soldstatus $41,100

ⓘ 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: $1,764 · $147/mo
• Projected year-2 tax: $1,764 · $147/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
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,001
• − Mortgage interest: −$9,971
• − Property taxes: −$1,764
• − Insurance: −$890
• − Repairs & maintenance: −$1,520
• − Management: −$1,520
• − HOA: −$1,440
• − Depreciation: −$5,178
• Taxable loss: −$3,283
• Est. tax savings @ 24.0%: +$788
• After-tax cash flow: $503/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 — 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

+333.1% since first listed

17 events — show timeline

• 2026-01-31 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-31 Price Changed $178,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-10-27 Price Changed $179,900 Stellar MLS as Distributed by MLS Grid
• 2025-08-12 Listed $185,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-08 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-05-08 Listed $185,999 Stellar MLS as Distributed by MLS Grid
• 2022-04-28 Sold (Public Records) $162,500 Public Records
• 2022-04-27 Sold (MLS) $162,500 Stellar MLS as Distributed by MLS Grid
• 2022-01-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-01-11 Listed $159,000 Stellar MLS as Distributed by MLS Grid
• 2016-12-05 Sold (MLS) $49,100 Stellar MLS as Distributed by MLS Grid
• 2016-09-21 Listed $49,000 Stellar MLS as Distributed by MLS Grid
• 2005-11-23 Sold (Public Records) $94,900 Public Records
• 2005-11-18 Sold (MLS) $94,900 Stellar MLS as Distributed by MLS Grid
• 2005-10-02 Listed $94,900 Stellar MLS as Distributed by MLS Grid
• 1988-06-01 Sold (Public Records) $41,100 Public Records

Property tax history

+7.6%/yr

Latest (2025): $1,764 · -22.4% YoY. Source: county tax records.