2315 SE 19th Cir · Ocala, FL 34471

$150,000

2 bd · 2.0 ba · 1,155 sqft · Condo public records · 48 Days on market

Built 1986 $130/sqft · 34% below area Est $226k · 34% under $369/mo HOA · 26% of rent

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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 +7.4/30.0
• 1% rule +4.4/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• DSCR +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fantastic opportunity, convenient location and a great price in a charming gated established development, Woodland Villages! This is the place to call home where you can come and go as you please with gated community access, no yard maintenance, convenience of a community pool, community center for parties and a tennis court within short distance! The spacious kitchen has granite counters, room for a breakfast table with a pass-through window to living and dining area. Features to notice are high cathedral ceilings throughout, fireplace in the spacious great room sharing living and dining areas, plentiful granite stone counter space in the kitchen with pantry closet, French doors to primary suite graced with a vanity area separate from the huge walk-in tiled shower, large walk-in closet and glass sliders to private back patio area. Another set of glass sliders from the guest bedroom also lead you to the private patio. A one-car garage, driveway and across the street is extra guest parking. This two-bedroom and two-bath villa is ideal for a first-time buyer, investor, roommates, or even a second home to live centrally in Ocala to frequent the equine events here in our charming town known as horse country. Only a few minutes to downtown Ocala, local restaurants, shopping and nearby major highways for travel. New laminate flooring. New roof in 2021.

Key facts

• 1,742 sq ft lot
• Garage
• Community pool

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $150k.

Deal economics

• At list price, monthly cash flow is $-194 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $116k (22.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $141k (5.8% below list).
• Recommended offer: $116k (22.8% 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 soft (-0.6%/yr); 311 active listings in the ZIP; 23 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k 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 48 days — a 3% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 22y ago; this cycle's ask has dropped $18k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $72k; list at $150k implies a 108% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 26% of rent.
• Climate carrying-cost: 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 $115,763 (22.8% 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 48 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. 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. 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?
8. 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.
9. 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.
10. 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: 0.94% ✗
• Cap rate: 4.74%
• Cash-on-cash: -5.54%
• DSCR: 0.75
• GRM: 8.8

CMA / ARV

• ARV (median comp): $226,057
• List price: $150,000
• Delta: -33.65%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -30.1%
• Equity multiple: 0.03×
• Total profit: $-40,601
• Equity at exit: $22,365

10-year hold

• IRR: -59.4%
• Equity multiple: -0.58×
• Total profit: $-66,479
• Equity at exit: $12,969

Cash invested: $42,000 (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 34471

• Rents YoY: -0.6%
• Active inventory: 311
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,413 high
• Mortgage (P&I): −$787
• Tax from tax record: −$92 /mo · $1,100/yr
• Insurance: −$62
• HOA: −$369
• Vacancy / Maint / Mgmt: −$297
• Net cashflow: $-194

Break-even live

Break-even rent $1,658

Max offer price $115,763

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1850 SE 18th Ave Ocala, FL	1.0–3.0	1.0–2.0	999	$1,648	$1.65	13d	51	0.65mi
2936 SE 13th St Ocala, FL	3.0	2.0	1285	$1,700	$1.32	13d	1	0.74mi
2201 SE 14th Ave Ocala, FL	2.0	1.5	1050	$1,162	$1.11	13d	2	0.80mi
3001 SE Lake Weir Ave Ocala, FL	1.0–3.0	1.0–2.0	812	$1,612	$1.98	13d	16	1.08mi
2270 SE 34th St Ocala, FL	2.0	1.5	1022	$1,500	$1.47	13d	1	1.10mi
2281 NE 2nd St Ocala, FL	2.0	2.0	1000	$1,499	$1.50	21d	1	1.35mi
127 SE 13th Ave Unit R 3107 Ocala, FL	2.0	1.0	956	$1,225	$1.28	13d	1	1.42mi
691 SE 19th St Ocala, FL	3.0	2.0	1424	$1,800	$1.26	21d	1	1.43mi
2152 NE 3rd St Ocala, FL	2.0	1.0	750	$1,200	$1.60	13d	1	1.43mi
1745 NE 2nd St Ocala, FL	1.0	1.0	775	$999	$1.29	21d	1	1.43mi
131 SE 13th Ave Ocala, FL	2.0	1.0	956	$1,225	$1.28	13d	1	1.43mi
3800 SE 17th Ct Unit B Ocala, FL	2.0	1.0	808	$1,199	$1.48	21d	1	1.43mi
1316 E Fort King St Unit 1316-1 Ocala, FL	2.0	1.0	892	$1,499	$1.68	21d	1	1.44mi
1727 NE 2nd St Ocala, FL	1.0	1.0	775	$999	$1.29	21d	1	1.44mi
1713 NE 2nd St Ocala, FL	2.0	1.5	1200	$1,289	$1.07	21d	1	1.45mi
1220 SE 3rd St Ocala, FL	2.0	1.0	800	$1,550	$1.94	21d	1	1.45mi
3950 SE 19th Ave Unit D Ocala, FL	2.0	1.0	808	$1,250	$1.55	21d	1	1.45mi
2014 NE 3rd St Ocala, FL	2.0	1.0	800	$1,050	$1.31	13d	1	1.45mi
1812 NE 3rd St Unit 1752 Ocala, FL	2.0	2.0	936	$1,499	$1.60	21d	1	1.47mi
1812 NE 3rd St Unit 1808 Ocala, FL	2.0	2.0	936	$1,599	$1.71	13d	1	1.47mi
2321 NE 3rd St Ocala, FL	1.0–3.0	1.0–2.0	1010	$744	$0.74	13d	1	1.49mi
1718 NE 3rd St Ocala, FL	2.0	1.5	1200	$1,289	$1.07	21d	1	1.49mi
1718 NE 3rd St Ocala, FL	2.0	1.5	1200	$1,289	$1.07	13d	1	1.49mi

HOA detail condo

• Monthly dues: $369 · $4,428/yr
• Likely covers: poolsecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 17 events

1. 2026-05-13
   price $150,000 1368-char remark

   Show marketing remark (1368 chars)

   Fantastic opportunity, convenient location and a great price in a charming gated established development, Woodland Villages! This is the place to call home where you can come and go as you please with gated community access, no yard maintenance, convenience of a community pool, community center for parties and a tennis court within short distance! The spacious kitchen has granite counters, room for a breakfast table with a pass-through window to living and dining area. Features to notice are high cathedral ceilings throughout, fireplace in the spacious great room sharing living and dining areas, plentiful granite stone counter space in the kitchen with pantry closet, French doors to primary suite graced with a vanity area separate from the huge walk-in tiled shower, large walk-in closet and glass sliders to private back patio area. Another set of glass sliders from the guest bedroom also lead you to the private patio. A one-car garage, driveway and across the street is extra guest parking. This two-bedroom and two-bath villa is ideal for a first-time buyer, investor, roommates, or even a second home to live centrally in Ocala to frequent the equine events here in our charming town known as horse country. Only a few minutes to downtown Ocala, local restaurants, shopping and nearby major highways for travel. New laminate flooring. New roof in 2021.

2. 2026-04-17
   price $162,500 1368-char remark

   Show marketing remark (1368 chars)

   Fantastic opportunity, convenient location and a great price in a charming gated established development, Woodland Villages! This is the place to call home where you can come and go as you please with gated community access, no yard maintenance, convenience of a community pool, community center for parties and a tennis court within short distance! The spacious kitchen has granite counters, room for a breakfast table with a pass-through window to living and dining area. Features to notice are high cathedral ceilings throughout, fireplace in the spacious great room sharing living and dining areas, plentiful granite stone counter space in the kitchen with pantry closet, French doors to primary suite graced with a vanity area separate from the huge walk-in tiled shower, large walk-in closet and glass sliders to private back patio area. Another set of glass sliders from the guest bedroom also lead you to the private patio. A one-car garage, driveway and across the street is extra guest parking. This two-bedroom and two-bath villa is ideal for a first-time buyer, investor, roommates, or even a second home to live centrally in Ocala to frequent the equine events here in our charming town known as horse country. Only a few minutes to downtown Ocala, local restaurants, shopping and nearby major highways for travel. New laminate flooring. New roof in 2021.

3. 2026-04-02
   listed $168,000 Active 1368-char remark

   Show marketing remark (1368 chars)

   Fantastic opportunity, convenient location and a great price in a charming gated established development, Woodland Villages! This is the place to call home where you can come and go as you please with gated community access, no yard maintenance, convenience of a community pool, community center for parties and a tennis court within short distance! The spacious kitchen has granite counters, room for a breakfast table with a pass-through window to living and dining area. Features to notice are high cathedral ceilings throughout, fireplace in the spacious great room sharing living and dining areas, plentiful granite stone counter space in the kitchen with pantry closet, French doors to primary suite graced with a vanity area separate from the huge walk-in tiled shower, large walk-in closet and glass sliders to private back patio area. Another set of glass sliders from the guest bedroom also lead you to the private patio. A one-car garage, driveway and across the street is extra guest parking. This two-bedroom and two-bath villa is ideal for a first-time buyer, investor, roommates, or even a second home to live centrally in Ocala to frequent the equine events here in our charming town known as horse country. Only a few minutes to downtown Ocala, local restaurants, shopping and nearby major highways for travel. New laminate flooring. New roof in 2021.

4. 2012-08-24
   soldstatus $72,000
5. 2012-08-22
   soldstatus $72,000 201-char remark

   Show marketing remark (201 chars)

   Great gated SE location. 2/2/1 with fireplace, new carpet, tile in kitchen & both baths, newer stove, refrigerator & dishwasher. Huge community pool & tennis courts, sauna, clubhouse.

6. 2011-08-31
   listed $79,900 201-char remark

   Show marketing remark (201 chars)

   Great gated SE location. 2/2/1 with fireplace, new carpet, tile in kitchen & both baths, newer stove, refrigerator & dishwasher. Huge community pool & tennis courts, sauna, clubhouse.

7. 2011-08-30
   historical
8. 2011-04-08
   listed $93,900
9. 2010-12-02
   soldstatus $82,000
10. 2010-11-24
    soldstatus $82,000
11. 2010-07-01
    listed $86,900
12. 2008-07-09
    historical
13. 2007-11-10
    listed $143,500
14. 2005-06-20
    historical
15. 2004-12-21
    listed $134,900
16. 2004-01-16
    soldstatus $77,500
17. 1994-08-01
    soldstatus $55,000

ⓘ 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: $1,100 · $92/mo
• Projected year-2 tax: $1,245 · $104/mo
• Expected delta: +$145/yr (+$12/mo · 13.2%)

ⓘ 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 1/10 Low
• 🌡 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: $16,951
• − Mortgage interest: −$8,402
• − Property taxes: −$1,100
• − Insurance: −$750
• − Repairs & maintenance: −$1,356
• − Management: −$1,356
• − HOA: −$4,428
• − Depreciation: −$4,364
• Taxable loss: −$4,805
• Est. tax savings @ 24.0%: +$1,153
• After-tax cash flow: $-1,173/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): 28,342
• Household income: $65,789
• Rent vs Own: 38.4% rent · 61.6% own
• Severe rent burden: 1494.0

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 (67%)
• Race & ethnicity: White 67% Hispanic / Latino 16% Two or more races 11% Black 10% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 3% Dominican 1%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 2%
• Foreign-born: 9% · Canada, Jamaica, Dominican Republic
• Languages at home: 86% English-only · Spanish 11% 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: ▼ -176.55%
• Current HPI: 224.1709
• Rent YoY: ▼ -0.64%
• 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

+172.7% since first listed

17 events — show timeline

• 2026-05-13 Price Changed $150,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-17 Price Changed $162,500 Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Listed $168,000 Stellar MLS as Distributed by MLS Grid
• 2012-08-24 Sold (Public Records) $72,000 Public Records
• 2012-08-22 Sold (MLS) $72,000 Stellar MLS as Distributed by MLS Grid
• 2011-08-31 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 2011-08-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2011-04-08 Listed $93,900 Stellar MLS as Distributed by MLS Grid
• 2010-12-02 Sold (Public Records) $82,000 Public Records
• 2010-11-24 Sold (MLS) $82,000 Stellar MLS as Distributed by MLS Grid
• 2010-07-01 Listed $86,900 Stellar MLS as Distributed by MLS Grid
• 2008-07-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-11-10 Listed $143,500 Stellar MLS as Distributed by MLS Grid
• 2005-06-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2004-12-21 Listed $134,900 Stellar MLS as Distributed by MLS Grid
• 2004-01-16 Sold (Public Records) $77,500 Public Records
• 1994-08-01 Sold (Public Records) $55,000 Public Records

Property tax history

+0.1%/yr

Latest (2025): $1,100 · +2.5% YoY. Source: county tax records.