6202 SW 100th Loop · Liberty Triangle, FL 34476

$206,900

3 bd · 2.0 ba · 1,500 sqft · SingleFamily public records · 47 Days on market

Built 1997 0.27 ac lot $138/sqft · 6% below area Est $219k · 6% under $329/mo HOA · 16% 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).

• Cash flow +12.8/30.0
• ARV discount +10.0/15.0
• 1% rule +4.7/10.0
• DSCR +3.8/10.0
• 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

Charming Cardinal II model home features large, open living space in this split bedroom floorplan. Spacious kitchen with eating area and upgraded counters and cabinets. Updated bathroom vanities. Master suite features spacious walk-in closet. Indoor laundry room leads to large garage. Enclosed screen porch overlooks yard that backs on large retention area. Cherrywood Estates offers numerous amenities and is close to all shopping, entertainment and health care facilities.

Key facts

• Walk-in closet
• Spacious kitchen
• Upgraded counters

Tags

• OPEN LIVING SPACE
• SPACIOUS KITCHEN
• UPGRADED COUNTERS
• UPDATED BATHROOM VANITIES
• WALK-IN CLOSET
• INDOOR LAUNDRY ROOM

Property features AI

Finance

• Other: Total acreage approximately between 1/4 and less than 1/2 acre (0.27 acres)
• HOA & community: Monthly HOA fee of $329 (Cherrywood Property Management); Association fees required; Pets allowed; Senior community

Exterior

• Parking: Attached 2-car garage (approx. 23 x 21) with garage door opener; Driveway
• Utilities: Public water; Public sewer; Electricity connected; Underground utilities; Water connected; Sewer connected
• Home design: Single-family residence; One story; Homesite faces west; Completed condition
• Construction: Block and concrete construction; Shingle roof; Slab foundation; Built as Cardinal II model
• Exterior features: Enclosed rear screened porch; Rain gutters; Cleared lot; Paved road access

Interior

• Kitchen: Range; Refrigerator; Dishwasher not listed
• Bedrooms: 3 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; High ceilings; Split bedroom floorplan
• Laundry & utility: Inside laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $207k.

Deal economics

• At list price, monthly cash flow is $-20 ($-243/yr) — negative.
• To cash-flow at today's rent, offer at most $203k (1.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $202k (2.6% below list).
• Recommended offer: $201k (3.0% below list) — sets the bar for market timing.
• Cap rate 6.2% 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.
• Zoned schools: Hammett Bowen Jr. Elementary School (math 56% / reading 56%, grade C+, #832 of 2,144 statewide, top 40%, 867 students, 54% FRL); Liberty Middle School (math 40% / reading 41%, grade F, #360 of 571 statewide, top 64%, 1,365 students, 54% FRL); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL).
• Market conditions: Rents soft (-2.6%/yr); 858 active listings in the ZIP; 19 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 37% 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 $1k of loan paydown is wiped out by about $6k 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 47 days — a 3% lower offer ($201k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: 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 $200,693 (3.0% 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 47 days. Have you received any prior offers? Is the seller open to a 3% 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. 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: 0.97% ✗
• Cap rate: 6.18%
• Cash-on-cash: -0.42%
• DSCR: 0.98
• GRM: 8.6

CMA / ARV

• ARV (median comp): $219,122
• List price: $206,900
• Delta: -5.58%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5920 SW 102nd St	0.15mi	3/2.0	1,495 (-0%)	2mo	$235,000	$157	91
6166 SW 100th Loop	0.10mi	3/2.0	1,535 (+2%)	7mo	$174,000	$113	86
6002 SW 107th St	0.57mi	3/2.0	1,478 (-2%)	2mo	$280,000	$189	69
9619 SW 62nd Ct	0.20mi	3/2.0	1,615 (+8%)	11mo	$255,490	$158	69
10151 SW 62nd Terrace Rd	0.29mi	3/2.0	1,469 (-2%)	19mo	$237,000	$161	67
5960 SW 98th Pl	0.30mi	2/2.0 (-1)	1,357 (-10%)	2mo	$160,000	$118	63
10501 SW 60th Ter	0.34mi	3/2.0	1,699 (+13%)	4mo	$224,900	$132	59
9611 SW 62nd Ct	0.60mi	3/2.0	1,622 (+8%)	3mo	$255,000	$157	56
5930 SW 103rd St	0.22mi	2/2.0 (-1)	1,366 (-9%)	17mo	$220,000	$161	56
10202 SW 61st Terrace Rd	0.07mi	2/2.0 (-1)	1,292 (-14%)	18mo	$212,500	$164	53
6070 SW 98th Loop	0.28mi	2/2.0 (-1)	1,320 (-12%)	12mo	$179,900	$136	52
9881 SW 59th Cir	0.20mi	2/2.0 (-1)	1,299 (-13%)	20mo	$203,999	$157	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: -20.8%
• Equity multiple: 0.30×
• Total profit: $-40,582
• Equity at exit: $30,849

10-year hold

• IRR: -24.5%
• Equity multiple: -0.02×
• Total profit: $-59,251
• Equity at exit: $17,889

Cash invested: $57,932 (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: 858
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $2,016 high
• Mortgage (P&I): −$1,085
• Tax from tax record: −$113 /mo · $1,352/yr
• Insurance: −$86
• HOA: −$329
• Vacancy / Maint / Mgmt: −$423
• Net cashflow: $-20

Break-even live

Break-even rent $2,042

Max offer price $203,323

Occupancy floor 96%

Sensitivity live

Price	-10% $97	-5% $38	+0% $-20	+5% $-79	+10% $-137
Rent	-10% $-180	-5% $-100	+0% $-20	+5% $59	+10% $139
Rate	-1.0pp $84	-0.5pp $32	base $-20	+0.5pp $-74	+1.0pp $-128

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: $51,725
• Closing costs: $6,207
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6035 SW 98th Street Rd Ocala, FL	2.0	2.0	1494	$1,650	$1.10	15d	1	0.30mi
15062 SW 63rd Ct Ocala, FL	4.0	2.5	1560	$1,850	$1.19	23d	1	0.34mi
14173 SW 60th Ter Unit 2 Ocala, FL	2.0	2.0	1127	$1,450	$1.29	23d	1	0.46mi
10417 SW 52nd Ct Ocala, FL	3.0	2.0	1577	$1,995	$1.27	15d	1	0.84mi
9324 SW 58th Cir Ocala, FL	3.0	2.0	2141	$2,500	$1.17	23d	1	0.91mi
5637 SW 93rd St Ocala, FL	4.0	3.0	2039	$2,600	$1.28	15d	1	0.97mi
9198 SW 62nd Terrace Rd Ocala, FL	3.0	2.0	1710	$1,850	$1.08	15d	1	0.99mi
10912 SW 69th Cir Ocala, FL	2.0	2.0	1169	$1,600	$1.37	23d	1	1.07mi
4937 SW 98th Pl Ocala, FL	4.0	2.0	1838	$2,400	$1.31	15d	1	1.10mi
6243 SW 90th St Ocala, FL	2.0	2.0	1700	$1,750	$1.03	23d	1	1.18mi
11302 SW 62nd Cir Ocala, FL	3.0	2.0	1526	$2,095	$1.37	23d	1	1.20mi
4725 SW 100th St Ocala, FL	3.0	2.0	2000	$1,800	$0.90	23d	1	1.22mi
13110 SW 89th St Ocala, FL	4.0	2.5	1824	$1,950	$1.07	23d	1	1.27mi
4780 SW 95th Ln Ocala, FL	4.0	3.0	2002	$2,395	$1.20	15d	1	1.32mi
6615 SW 89th Ln Ocala, FL	4.0	3.0	1958	$2,195	$1.12	15d	1	1.32mi
7195 SW 92nd St Ocala, FL	3.0	2.5	1220	$1,750	$1.43	23d	1	1.36mi
7177 SW 92nd St Ocala, FL	3.0	2.5	1410	$1,850	$1.31	23d	1	1.41mi
6367 SW 117th Street Rd Ocala, FL	3.0	2.0	1602	$2,650	$1.65	23d	1	1.43mi
10061 SW 74th Ter Ocala, FL	3.0	2.0	1894	$1,995	$1.05	15d	1	1.45mi

HOA detail

• Monthly dues: $329 · $3,948/yr

Listing history 17 events

1. 2026-06-21
   days on market $206,900 Active 47 DOM
2. 2026-06-18
   days on market $206,900 Active 44 DOM
3. 2026-06-17
   days on market $206,900 Active 43 DOM
4. 2026-06-16
   days on market $206,900 Active 42 DOM
5. 2026-06-15
   days on market $206,900 Active 41 DOM
6. 2026-06-14
   days on market $206,900 Active 39 DOM
7. 2026-06-13
   days on market $206,900 Active 38 DOM
8. 2026-06-10
   days on market $206,900 Active 36 DOM
9. 2026-06-09
   days on market $206,900 Active 35 DOM
10. 2026-06-08
    days on market $206,900 Active 34 DOM
11. 2026-06-07
    days on market $206,900 Active 33 DOM
12. 2026-06-03
    days on market $206,900 Active 29 DOM
13. 2026-06-02
    days on market $206,900 Active 28 DOM
14. 2026-06-01
    days on market $206,900 Active 27 DOM
15. 2026-05-31
    days on market $206,900 Active 26 DOM
16. 2026-05-30
    days on market $206,900 Active 25 DOM
17. 2026-05-05
    listed $206,900 Active 475-char remark

ⓘ 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: $1,352 · $113/mo
• Projected year-2 tax: $1,717 · $143/mo
• Expected delta: +$365/yr (+$30/mo · 27.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 24% 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 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,192
• − Mortgage interest: −$11,590
• − Property taxes: −$1,352
• − Insurance: −$1,034
• − Repairs & maintenance: −$1,935
• − Management: −$1,935
• − HOA: −$3,948
• − Depreciation: −$6,019
• Taxable loss: −$3,622
• Est. tax savings @ 24.0%: +$869
• After-tax cash flow: $626/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

1 event — show timeline

• 2026-05-05 Listed $206,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+5.3%/yr

Latest (2025): $1,352 · +21.0% YoY. Source: county tax records.