3226 SE 39th Ave · Ocala, FL 34480

$105,000

2 bd · 2.0 ba · 1,428 sqft · Manufactured public records · 45 Days on market

Built 1975 8,712 sqft lot $74/sqft · 36% below area Est $165k · 36% under $80/mo HOA · 5% of rent

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

LOOKING FOR A BEAUTIFUL HOME CLOSE TO SHOPPING, DOWNTOWN, RESTAURANTS, FOREST HIGH SCHOOL? THIS IS YOUR HOME! THIS PROERTY OFFERS 2 BEDROOMS AND 2 FULL BATHS, NICE SIZE LIVING ROOM, WITH AN AWESOME BONUS ROOM WITH NEW FLOOR. THIS PROPERTY OFFERS AND OVERSIZE CARPORT AND THE BACK SITTING AREA, IS VERY DESIRABLE. IT ALSO OFFERS A LARGE LAUNDRY ROOM THAT MAKES GREAT FOR LAUNDRY AND STORAGE. THIS HOUSE IS READY ALL YOU HAVE TO DO IS BUY IT

Key facts

• New water heater
• New a/c
• Updated flooring

Tags

• NEW ROOF
• NEW A/C
• NEW WATER HEATER
• UPDATED FLOORING
• NEW EXTERIOR BACK DOOR
• NEW KITCHEN APPLIANCES

Property features AI

Finance

• Other: Located on a 0.2-acre lot (approx. 70 x 127); Asphalt/paved road access
• Financial info: Lease restrictions apply
• HOA & community: Monthly maintenance fee of $80; Total annual fees $960

Exterior

• Parking: Carport (1 space)
• Utilities: Private water; Public sewer; Cable available; Electricity available and connected; Water available and connected; Sewer connected
• Home design: Residential mobile home (double wide); One story; Crawlspace foundation; Faces southeast
• Construction: Vinyl siding; Shingle roof
• Exterior features: Lighting; Outdoor storage

Interior

• Kitchen: Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air; Wall/window AC unit(s)
• Interior features: Ceiling fans; Thermostat
• Laundry & utility: Washer hookup; Dryer hookup (electric); Inside laundry room

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $105k.

Deal economics

• At list price, monthly cash flow is $124 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $105k).
• Recommended offer: $102k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.6% vs local median 4.2% in Ocala — 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 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 rising (+2.8%/yr); 344 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $726 of loan paydown is wiped out by about $3k 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 45 days — a 3% lower offer ($102k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 3y 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

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $101,850 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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: 1.60% ✓
• Cap rate: 12.59%
• Cash-on-cash: 22.49%
• DSCR: 2.00
• GRM: 5.2

CMA / ARV

• ARV (median comp): $165,000
• List price: $105,000
• Delta: -36.36%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3121 SE 39th Ave	0.09mi	2/2.0	1,366 (-4%)	13mo	$132,000	$97	78

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 · 2.84% rent growth · sell at horizon

5-year hold

• IRR: -8.4%
• Equity multiple: 0.69×
• Total profit: $-9,040
• Equity at exit: $15,656

10-year hold

• IRR: 1.2%
• Equity multiple: 1.09×
• Total profit: $2,525
• Equity at exit: $9,078

Cash invested: $29,400 (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 34480

• Home prices YoY: -28.7%
• Rents YoY: 2.8%
• Active inventory: 344
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,682 high
• Mortgage (P&I): −$551
• Tax from tax record: −$103 /mo · $1,238/yr
• Insurance: −$44
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$80
• Vacancy / Maint / Mgmt: −$353
• Net cashflow: $124

Break-even live

Break-even rent $1,524

Max offer price $105,000

Occupancy floor 88%

Sensitivity live

Price	-10% $184	-5% $154	+0% $124	+5% $95	+10% $65
Rent	-10% $-8	-5% $58	+0% $124	+5% $191	+10% $257
Rate	-1.0pp $177	-0.5pp $151	base $124	+0.5pp $97	+1.0pp $70

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3339 SE 37th Avenue Rd Ocala, FL	3.0	2.5	1828	$1,900	$1.04	14d	1	0.22mi
3488 SE 37th Avenue Rd Ocala, FL	3.0	2.5	1708	$1,800	$1.05	21d	1	0.26mi
3663 SE 37th Avenue Rd Ocala, FL	3.0	2.5	1707	$1,825	$1.07	21d	1	0.35mi
3674 SE 37th Ct Ocala, FL	3.0	2.5	1708	$1,800	$1.05	14d	1	0.40mi
3700 SE 34th Ct Ocala, FL	3.0	2.0	1508	$2,050	$1.36	21d	1	0.62mi
4549 SE 25th Loop Ocala, FL	3.0	2.0	1490	$1,850	$1.24	21d	1	0.75mi
5011 SE 29th St Apt C Ocala, FL	2.0	1.0	1000	$990	$0.99	14d	1	0.97mi
5200 SE 31st St Unit D Ocala, FL	2.0	1.5	945	$1,250	$1.32	21d	1	1.06mi
5230 SE 31st St Unit Whispering Sands D Ocala, FL	2.0	1.5	1000	$1,050	$1.05	21d	1	1.08mi
5370 SE 30th Pl Unit Greenfields C Ocala, FL	2.0	2.0	1000	$1,150	$1.15	21d	1	1.27mi
4861 SE 31st Ter Ocala, FL	3.0	2.0	1482	$1,700	$1.15	21d	1	1.39mi
4760 SE 30th Ct Ocala, FL	3.0	2.0	1520	$1,500	$0.99	21d	1	1.42mi
4505 SE 12th Pl Ocala, FL	3.0	2.0	1551	$1,750	$1.13	21d	1	1.49mi

HOA detail

• Monthly dues: $80 · $960/yr

Listing history 38 events

1. 2026-06-18
   days on market $105,000 Active 45 DOM
2. 2026-06-17
   days on market $105,000 Active 44 DOM
3. 2026-06-16
   days on market $105,000 Active 43 DOM
4. 2026-06-15
   days on market $105,000 Active 42 DOM
5. 2026-06-14
   days on market $105,000 Active 40 DOM
6. 2026-06-13
   days on market $105,000 Active 39 DOM
7. 2026-06-10
   days on market $105,000 Active 37 DOM
8. 2026-06-09
   days on market $105,000 Active 36 DOM
9. 2026-06-08
   days on market $105,000 Active 35 DOM
10. 2026-06-07
    pricedays on market $105,000 Active 34 DOM
11. 2026-06-03
    days on market $110,000 Active 30 DOM
12. 2026-06-02
    days on market $110,000 Active 29 DOM
13. 2026-06-01
    days on market $110,000 Active 28 DOM
14. 2026-05-31
    days on market $110,000 Active 27 DOM
15. 2026-05-30
    days on market $110,000 Active 26 DOM
16. 2026-05-04
    listed $110,000 Active 392-char remark
17. 2026-04-23
    historical
18. 2026-03-24
    price $115,000
19. 2026-03-23
    status Active
20. 2026-02-19
    price $129,500
21. 2025-11-13
    price $132,500
22. 2025-09-30
    price $135,000
23. 2025-08-24
    price $139,500
24. 2025-07-21
    listed $143,500 Active
25. 2024-01-18
    soldstatus $115,000
26. 2024-01-12
    soldstatus $115,000 Closed

    Show marketing remark (439 chars)

    LOOKING FOR A BEAUTIFUL HOME CLOSE TO SHOPPING, DOWNTOWN, RESTAURANTS, FOREST HIGH SCHOOL? THIS IS YOUR HOME! THIS PROERTY OFFERS 2 BEDROOMS AND 2 FULL BATHS, NICE SIZE LIVING ROOM, WITH AN AWESOME BONUS ROOM WITH NEW FLOOR. THIS PROPERTY OFFERS AND OVERSIZE CARPORT AND THE BACK SITTING AREA, IS VERY DESIRABLE. IT ALSO OFFERS A LARGE LAUNDRY ROOM THAT MAKES GREAT FOR LAUNDRY AND STORAGE. THIS HOUSE IS READY ALL YOU HAVE TO DO IS BUY IT

27. 2024-01-08
    soldstatus $115,000 Closed
28. 2024-01-03
    status Pending

    Show marketing remark (439 chars)

    LOOKING FOR A BEAUTIFUL HOME CLOSE TO SHOPPING, DOWNTOWN, RESTAURANTS, FOREST HIGH SCHOOL? THIS IS YOUR HOME! THIS PROERTY OFFERS 2 BEDROOMS AND 2 FULL BATHS, NICE SIZE LIVING ROOM, WITH AN AWESOME BONUS ROOM WITH NEW FLOOR. THIS PROPERTY OFFERS AND OVERSIZE CARPORT AND THE BACK SITTING AREA, IS VERY DESIRABLE. IT ALSO OFFERS A LARGE LAUNDRY ROOM THAT MAKES GREAT FOR LAUNDRY AND STORAGE. THIS HOUSE IS READY ALL YOU HAVE TO DO IS BUY IT

29. 2023-12-18
    status Pending
30. 2023-12-05
    price $129,000

    Show marketing remark (439 chars)

    LOOKING FOR A BEAUTIFUL HOME CLOSE TO SHOPPING, DOWNTOWN, RESTAURANTS, FOREST HIGH SCHOOL? THIS IS YOUR HOME! THIS PROERTY OFFERS 2 BEDROOMS AND 2 FULL BATHS, NICE SIZE LIVING ROOM, WITH AN AWESOME BONUS ROOM WITH NEW FLOOR. THIS PROPERTY OFFERS AND OVERSIZE CARPORT AND THE BACK SITTING AREA, IS VERY DESIRABLE. IT ALSO OFFERS A LARGE LAUNDRY ROOM THAT MAKES GREAT FOR LAUNDRY AND STORAGE. THIS HOUSE IS READY ALL YOU HAVE TO DO IS BUY IT

31. 2023-10-24
    listed $134,900 Active

    Show marketing remark (439 chars)

    LOOKING FOR A BEAUTIFUL HOME CLOSE TO SHOPPING, DOWNTOWN, RESTAURANTS, FOREST HIGH SCHOOL? THIS IS YOUR HOME! THIS PROERTY OFFERS 2 BEDROOMS AND 2 FULL BATHS, NICE SIZE LIVING ROOM, WITH AN AWESOME BONUS ROOM WITH NEW FLOOR. THIS PROPERTY OFFERS AND OVERSIZE CARPORT AND THE BACK SITTING AREA, IS VERY DESIRABLE. IT ALSO OFFERS A LARGE LAUNDRY ROOM THAT MAKES GREAT FOR LAUNDRY AND STORAGE. THIS HOUSE IS READY ALL YOU HAVE TO DO IS BUY IT

32. 2023-10-23
    historical
33. 2023-09-29
    listed $134,900 Active
34. 2023-09-28
    listed $134,900 Active
35. 2023-09-05
    soldstatus $85,000 Closed
36. 2023-07-22
    status Pending
37. 2023-06-16
    listed $90,000 Active
38. 1980-04-01
    soldstatus $28,000

ⓘ 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: $1,238 · $103/mo
• Projected year-2 tax: $1,238 · $103/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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,180
• − Mortgage interest: −$5,882
• − Property taxes: −$1,238
• − Insurance: −$5,644
• − Repairs & maintenance: −$1,614
• − Management: −$1,614
• − HOA: −$960
• − Depreciation: −$3,055
• Taxable income: $174
• Est. tax owed @ 24.0%: −$42
• After-tax cash flow: $1,452/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

• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 23,517
• Household income: $77,557
• Rent vs Own: 23.3% rent · 76.7% own
• Severe rent burden: 169.0

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 (73%)
• Race & ethnicity: White 73% Hispanic / Latino 15% Two or more races 11% Black 6% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5% Cuban 2% Dominican 2%
• Common ancestry: Italian 3% Slovak 3% Lithuanian 2%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 9% Other Asian/Pacific 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: ▼ -85.60%
• Current HPI: 212.4262
• Rent YoY: ▲ 2.84%
• 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

+275.0% since first listed

24 events — show timeline

• 2026-06-06 Price Changed $105,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-04 Listed $110,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-23 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-03-24 Price Changed $115,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-19 Price Changed $129,500 Stellar MLS as Distributed by MLS Grid
• 2025-11-13 Price Changed $132,500 Stellar MLS as Distributed by MLS Grid
• 2025-09-30 Price Changed $135,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-24 Price Changed $139,500 Stellar MLS as Distributed by MLS Grid
• 2025-07-21 Listed $143,500 Stellar MLS as Distributed by MLS Grid
• 2024-01-18 Sold (Public Records) $115,000 Public Records
• 2024-01-12 Sold (MLS) $115,000 Stellar MLS as Distributed by MLS Grid
• 2024-01-08 Sold (MLS) $115,000 MARMLS
• 2024-01-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-12-18 Pending — MARMLS
• 2023-12-05 Price Changed $129,000 Stellar MLS as Distributed by MLS Grid
• 2023-10-24 Listed $134,900 Stellar MLS as Distributed by MLS Grid
• 2023-10-23 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2023-09-29 Listed $134,900 MARMLS
• 2023-09-28 Listed $134,900 Stellar MLS as Distributed by MLS Grid
• 2023-09-05 Sold (MLS) $85,000 Stellar MLS as Distributed by MLS Grid
• 2023-07-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-06-16 Listed $90,000 Stellar MLS as Distributed by MLS Grid
• 1980-04-01 Sold (Public Records) $28,000 Public Records

Property tax history

+15.0%/yr

Latest (2025): $1,238 · -23.3% YoY. Source: county tax records.