6772 Hemlock Rd · Silver Springs Shores, FL 34472

$235,000

3 bd · 2.0 ba · 1,083 sqft · SingleFamily · 4 Days on market

Built 2026 Good condition 0.29 ac lot Est $186k · 26% over

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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).

• Appreciation +8.0/10.0
• Cash flow +7.9/30.0
• Condition / age +4.2/5.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• 1% rule +2.4/10.0
• DSCR +1.9/10.0
• ARV discount +0.0/15.0

Listing remarks

One or more photo(s) has been virtually staged. One or more photo(s) has been virtually staged. Situated on . 29 acres!! Welcome home to this charming new construction that’s light, bright, and move-in ready! This home features an open-concept layout with luxury vinyl plank flooring throughout, no carpet! The kitchen boasts elegant quartz countertops and white shaker cabinets. Enjoy your private backyard, perfect for relaxing or entertaining in a quite country setting. Builder’s warranty included for peace of mind. Conveniently located near Ocala and The Villages for easy access to shopping, dining, and entertainment

Key facts

• Quartz countertops
• New construction
• Private backyard

Tags

• NEW CONSTRUCTION
• OPEN-CONCEPT LAYOUT
• LUXURY VINYL PLANK FLOORING
• QUARTZ COUNTERTOPS
• WHITE SHAKER CABINETS
• PRIVATE BACKYARD

Property features AI

Finance

• Other: Property zoned R1; Builder license number 232659; Living area reported as 1,083 (builder source); total building area 1,531
• HOA & community: No association indicated

Exterior

• Parking: Attached 2-car garage (approximately 20 x 18)
• Utilities: Well water; Septic tank; Private utilities
• Home design: Single-family residence; One story; East-facing; New construction; Completed condition
• Construction: Block, concrete and stucco construction; Shingle roof; Slab foundation; Built by Aldana (model: Rachel)
• Exterior features: Sliding doors; Vinyl fencing; Paved road access; Lot approximately 0.3 acres (150 x 86)

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Stone (granite) countertops
• Bedrooms: 3 bedrooms (one-level home)
• Flooring: Granite; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Cathedral ceilings; Vaulted ceilings; High ceilings; Ceiling fans; Open floor plan; Split-bedroom layout; Stone counters; Thermostat
• Laundry & utility: Laundry area located in the garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $235k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-254 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $198k (15.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $173k (26.2% below list).
• Recommended offer: $173k (26.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#527 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, employment D, amenities 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: Greenway Elementary School (math 33% / reading 35%, grade F, #1,744 of 2,144 statewide, top 82%, 736 students, 67% FRL); Fort King Middle School (math 37% / reading 35%, grade F, #410 of 571 statewide, top 72%, 1,092 students, 71% FRL); Forest High School (math 36% / reading 54%, grade D-, #228 of 667 statewide, top 35%, 2,325 students, 42% FRL) — zoned schools at 60% FRL track the district average.
• Market conditions: Rents flat; 683 active listings in the ZIP; 20 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 32% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $16k of equity ($2k loan paydown + $14k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 3, paydown + projected appreciation supports a ~$39k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: moderate 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 $173,440 (26.2% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 0.74% ✗
• Cap rate: 5.00%
• Cash-on-cash: -4.63%
• DSCR: 0.79
• GRM: 11.3

CMA / ARV

• ARV (on-the-fly): $186,276
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
18 Pine Court Loop	0.29mi	3/2.0	1,091 (+1%)	6mo	$235,000	$215	80
6915 SE 54th Ln	0.30mi	3/2.0	1,134 (+5%)	18mo	$170,000	$150	64
9 Hemlock Terrace Pass	0.46mi	3/2.0	1,153 (+6%)	13mo	$243,000	$211	57
8 Pecan Course Loop	0.52mi	3/2.0	1,221 (+13%)	21mo	$210,000	$172	37
8 Pecan Course Trce	0.65mi	3/2.0	1,231 (+14%)	22mo	$185,000	$150	29

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.93% appreciation · 0.17% rent growth · sell at horizon

5-year hold

• IRR: 10.4%
• Equity multiple: 1.70×
• Total profit: $45,964
• Equity at exit: $146,730

10-year hold

• IRR: 10.8%
• Equity multiple: 3.12×
• Total profit: $139,481
• Equity at exit: $265,228

Cash invested: $65,800 (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 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 683
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $1,734 high
• Mortgage (P&I): −$1,232
• Tax est. 1.5%: −$294 /mo · $3,525/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$364
• Net cashflow: $-254

Break-even live

Break-even rent $2,056

Max offer price $198,267

Occupancy floor —

Sensitivity live

Price	-10% $-91	-5% $-173	+0% $-254	+5% $-335	+10% $-416
Rent	-10% $-391	-5% $-322	+0% $-254	+5% $-185	+10% $-117
Rate	-1.0pp $-136	-0.5pp $-194	base $-254	+0.5pp $-315	+1.0pp $-377

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7044 Hemlock Crse Ocala, FL	3.0	2.0	1270	$1,897	$1.49	15d	1	0.40mi
13 Redwood Trace Ln Ocala, FL	3.0	2.0	1337	$1,595	$1.19	23d	1	0.68mi
7215 Midway Ter Ocala, FL	2.0	2.0	975	$1,175	$1.21	23d	1	0.75mi
45 Redwood Run Ocala, FL	3.0	2.0	1435	$1,695	$1.18	23d	1	0.78mi
492 Hickory Course Loop Ocala, FL	4.0	2.0	1483	$1,750	$1.18	23d	1	0.79mi
98 Dogwood Drive Cir Ocala, FL	3.0	2.0	1337	$1,695	$1.27	23d	1	0.95mi
6 Cedar Dr Ocala, FL	3.0	2.0	1477	$1,675	$1.13	23d	1	1.04mi
308 Hickory Course Radl Ocala, FL	3.0	2.0	1397	$1,650	$1.18	23d	1	1.04mi
5614 Pecan Rd Ocala, FL	3.0	2.0	1337	$1,595	$1.19	23d	1	1.05mi
7455 Midway Ter Unit K Ocala, FL	2.0	1.0	904	$1,249	$1.38	23d	1	1.10mi
57 Pine Cir Ocala, FL	3.0	2.0	1270	$1,897	$1.49	15d	1	1.13mi
7184 Hemlock Loop Ocala, FL	3.0	2.0	1392	$1,675	$1.20	23d	1	1.13mi
9 Dogwood Trail Dr Ocala, FL	3.0	2.0	1110	$1,595	$1.44	23d	1	1.14mi
19 Pecan Pass Ter Ocala, FL	3.0	2.0	1368	$1,750	$1.28	23d	1	1.16mi
43 Bahia Pass Ocala, FL	3.0	2.0	1188	$1,475	$1.24	23d	1	1.29mi
96 Redwood Rd Ocala, FL	3.0	2.0	1188	$1,650	$1.39	15d	1	1.31mi
106 Redwood Track Crse Ocala, FL	3.0	2.0	1412	$1,675	$1.19	15d	1	1.32mi
36 Pecan Run Crse Ocala, FL	3.0	2.0	1188	$1,850	$1.56	15d	1	1.32mi
21 Dogwood Drive Pass Ocala, FL	3.0	2.0	1390	$1,595	$1.15	23d	1	1.34mi
162 Bahia Terrace Dr Ocala, FL	2.0	2.0	984	$1,375	$1.40	23d	1	1.38mi

Listing history 2 events

1. 2026-05-15
   status Pending
2. 2026-05-11
   listed $235,000 Active

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 50% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,813
• − Mortgage interest: −$13,164
• − Property taxes: −$3,525
• − Insurance: −$1,175
• − Repairs & maintenance: −$1,665
• − Management: −$1,665
• − Depreciation: −$6,836
• Taxable loss: −$7,217
• Est. tax savings @ 24.0%: +$1,732
• After-tax cash flow: $-1,314/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

Good 85/100 None rehab

This move-in ready home features an open-concept layout with luxury vinyl plank flooring and modern finishes, making it an excellent investment opportunity.

Value-add opportunities

• Both Paint exterior trim — Enhances curb appeal and value
• Both Install smart home devices — Improves convenience and marketability
• Both Add outdoor lighting — Enhances safety and curb appeal

Renovation cost estimate screening

Value-add ROI direction

• Both Paint exterior trim — Enhances curb appeal and value ↑
• Both Install smart home devices — Improves convenience and marketability ↑
• Both Add outdoor lighting — Enhances safety and curb appeal ↑

ⓘ 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 — Silver Springs Shores

• Score: 68/100
• State rank: #527
• US rank: #9854

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Silver Springs Shores, FL
• County: Marion County · 315,796 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 35,851
• Household income: $64,208
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 655.0

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 0.65)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 21% Two or more races 18% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 3%
• Common ancestry: Romanian 2% Iranian 1% Lithuanian 1%
• Foreign-born: 11% · Canada, Jamaica, China
• Languages at home: 78% English-only · Spanish 19% Other Indo-European 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: ▲ 5.93%
• Current HPI: 255.0714
• Rent YoY: ▲ 0.17%
• 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

2 events — show timeline

• 2026-05-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-11 Listed $235,000 Stellar MLS as Distributed by MLS Grid