8071 SW 109th Place Rd · Liberty Triangle, FL 34481

$140,000

2 bd · 2.0 ba · 992 sqft · SingleFamily public records · 5 Days on market

Built 1989 6,098 sqft lot $141/sqft · 26% below area Est $190k · 26% under $150/mo HOA · 9% of rent

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Why this score? — see what drove the C+ 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 +21.1/30.0
• ARV discount +15.0/15.0
• 1% rule +6.7/10.0
• DSCR +6.7/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Lovely 2 bedroom 2 bathroom Savannah Floor Plan in Oak Run Country Clubs Neighborhood 6. ROOF 2022! 1.5 car Garage with 2022 Electrical Breaker Panel. Spacious covered Front Porch with glass Storm Door entry. Roomy Living room looks into the Kitchen and Dining Area. Kitchen is neutral colors with tiled backsplash & has counter with room for bar stools and a built in desk area. The tropical feel of the lanai with ceramic tile, vinyl windows & 2 ceiling fans is relaxing. Roomy Master bedroom with a spacious walk in closet. Also has a Vanity/Dressing area and Master Bathroom has upgraded tile in the step-in shower and updated shower doors. Bath 2 has tub/shower combo with sliding glass doors. If you are in the market for a great home in a great development, then this one is a must see. Community service fee of $139/mo. includes garbage/yard debris pickup, basic cable with community channel 12, use of amenities (golfing extra fee). Oak Run Country Club has a STATE OF THE ART VIRTUAL GUARD SYSTEM AT ITS GATES. There are 6 swimming pools, 5 whirlpools, library, 2 workout rooms, card room, billiard room, ceramics/craft room, on site restaurant(Oak Room Bar & Grill), driving range and an 18-hole golf course. Shuffleboard, pickle ball, horseshoes, bocce ball, tennis, wow! So many clubs to join and a DOGGIE Park too.

Key facts

• Open floor plan
• Walk-in closet
• Ensuite bath

Tags

• OPEN FLOOR PLAN
• HUGE GOURMET KITCHEN
• WALK-IN CLOSET
• ENSUITE BATH
• 18 HOLE ROYAL OAKS GOLF COURSE
• 2 FITNESS CENTERS

Property features AI

Finance

• Other: Lot approximately 0.14 acre (76 x 83); Building area reported as 1,600 sq ft; living area reported as 992 sq ft
• Financial info: Lease restrictions apply
• HOA & community: Has HOA; monthly fee $150.84 (association approval required); Senior community; Pets allowed: cats and dogs

Exterior

• Parking: Attached garage with 1 garage space
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single-family residence (PUD); One-story; Faces south; Homesteaded
• Construction: Vinyl siding; Shingle roof; Slab foundation; Built on one level
• Exterior features: Other exterior features; In-ground pool with screen enclosure; Asphalt road access

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Laundry: Other

🏷️ Possibly a rental listed for sale. The $140,000 price doesn't fit this home's estimated sale value (~$189,863) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $199 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Cap rate 8.0% 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 C — 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: 1151 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 34% of the median local income ($57k/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 $968 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

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 9y 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; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,000

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.17% ✓
• Cap rate: 8.00%
• Cash-on-cash: 6.09%
• DSCR: 1.27
• GRM: 7.1

CMA / ARV

• ARV (median comp): $189,863
• List price: $140,000
• Delta: -26.26%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8108 SW 108th Place Rd	0.12mi	2/2.0	992 (0%)	4mo	$160,000	$161	92
11401 SW 85th Ct	0.55mi	2/2.0	1,000 (+1%)	4mo	$187,000	$187	69
11520 SW 85th Ct	0.62mi	2/2.0	988 (-0%)	3mo	$170,000	$172	68
11140 SW 75th Ter	0.56mi	2/2.0	960 (-3%)	1mo	$135,000	$141	68
10940 SW 87th Ct	0.61mi	2/2.0	960 (-3%)	2mo	$178,000	$185	65
8344 SW 107th Pl	0.51mi	2/2.0	960 (-3%)	8mo	$143,200	$149	64
8157 SW 108th Loop	0.39mi	2/2.0	1,101 (+11%)	2mo	$175,000	$159	62
8329 SW 105th Pl	0.70mi	2/2.0	960 (-3%)	2mo	$185,000	$193	60
10881 SW 79th Ter	0.35mi	2/2.0	1,112 (+12%)	4mo	$145,000	$130	60
8431 SW 109th Lane Rd	0.33mi	1/1.0 (-1)	912 (-8%)	4mo	$103,000	$113	58
8473 SW 106th St	0.70mi	2/2.0	936 (-6%)	10mo	$133,000	$142	49
8124 SW 106th St	0.59mi	2/2.0	1,086 (+10%)	11mo	$147,000	$135	48

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -6.8%
• Equity multiple: 0.75×
• Total profit: $-9,919
• Equity at exit: $20,874

10-year hold

• IRR: 2.9%
• Equity multiple: 1.21×
• Total profit: $8,088
• Equity at exit: $12,105

Cash invested: $39,200 (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 34481

• Home prices YoY: -25.2%
• Active inventory: 1151
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,637 high
• Mortgage (P&I): −$734
• Tax from tax record: −$152 /mo · $1,822/yr
• Insurance: −$58
• HOA: −$150
• Vacancy / Maint / Mgmt: −$344
• Net cashflow: $199

Break-even live

Break-even rent $1,385

Max offer price $140,000

Occupancy floor 83%

Sensitivity live

Price	-10% $278	-5% $238	+0% $199	+5% $159	+10% $120
Rent	-10% $70	-5% $134	+0% $199	+5% $264	+10% $328
Rate	-1.0pp $269	-0.5pp $234	base $199	+0.5pp $163	+1.0pp $126

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8130 SW 108th Street Rd Ocala, FL	2.0	2.0	1084	$1,975	$1.82	22d	1	0.17mi
11112 SW 78th Ave Ocala, FL	2.0	1.0	672	$1,150	$1.71	22d	1	0.31mi
8942 SW 109th Ln Ocala, FL	2.0	2.0	960	$1,450	$1.51	22d	1	0.83mi
8947 SW 108th Pl Ocala, FL	2.0	2.0	1096	$1,500	$1.37	22d	1	0.87mi
10441 SW 85th Ct Ocala, FL	2.0	2.0	1090	$1,495	$1.37	22d	1	0.88mi
9075 SW 102nd Pl Ocala, FL	2.0	2.0	1008	$1,275	$1.26	22d	1	1.39mi

HOA detail

• Monthly dues: $150 · $1,800/yr
• Likely covers: trashelectriccablepool

Listing history 10 events

1. 2026-05-15
   listed $140,000 Active 544-char remark
2. 2026-01-05
   listed $5,000 Active
3. 2023-10-13
   soldstatus $198,000
4. 2023-10-11
   soldstatus $198,000 Closed

   Show marketing remark (1346 chars)

   Lovely 2 bedroom 2 bathroom Savannah Floor Plan in Oak Run Country Clubs Neighborhood 6. ROOF 2022! 1.5 car Garage with 2022 Electrical Breaker Panel. Spacious covered Front Porch with glass Storm Door entry. Roomy Living room looks into the Kitchen and Dining Area. Kitchen is neutral colors with tiled backsplash & has counter with room for bar stools and a built in desk area. The tropical feel of the lanai with ceramic tile, vinyl windows & 2 ceiling fans is relaxing. Roomy Master bedroom with a spacious walk in closet. Also has a Vanity/Dressing area and Master Bathroom has upgraded tile in the step-in shower and updated shower doors. Bath 2 has tub/shower combo with sliding glass doors. If you are in the market for a great home in a great development, then this one is a must see. Community service fee of $139/mo. includes garbage/yard debris pickup, basic cable with community channel 12, use of amenities (golfing extra fee). Oak Run Country Club has a STATE OF THE ART VIRTUAL GUARD SYSTEM AT ITS GATES. There are 6 swimming pools, 5 whirlpools, library, 2 workout rooms, card room, billiard room, ceramics/craft room, on site restaurant(Oak Room Bar & Grill), driving range and an 18-hole golf course. Shuffleboard, pickle ball, horseshoes, bocce ball, tennis, wow! So many clubs to join and a DOGGIE Park too.

5. 2023-09-06
   status Pending

   Show marketing remark (1346 chars)

   Lovely 2 bedroom 2 bathroom Savannah Floor Plan in Oak Run Country Clubs Neighborhood 6. ROOF 2022! 1.5 car Garage with 2022 Electrical Breaker Panel. Spacious covered Front Porch with glass Storm Door entry. Roomy Living room looks into the Kitchen and Dining Area. Kitchen is neutral colors with tiled backsplash & has counter with room for bar stools and a built in desk area. The tropical feel of the lanai with ceramic tile, vinyl windows & 2 ceiling fans is relaxing. Roomy Master bedroom with a spacious walk in closet. Also has a Vanity/Dressing area and Master Bathroom has upgraded tile in the step-in shower and updated shower doors. Bath 2 has tub/shower combo with sliding glass doors. If you are in the market for a great home in a great development, then this one is a must see. Community service fee of $139/mo. includes garbage/yard debris pickup, basic cable with community channel 12, use of amenities (golfing extra fee). Oak Run Country Club has a STATE OF THE ART VIRTUAL GUARD SYSTEM AT ITS GATES. There are 6 swimming pools, 5 whirlpools, library, 2 workout rooms, card room, billiard room, ceramics/craft room, on site restaurant(Oak Room Bar & Grill), driving range and an 18-hole golf course. Shuffleboard, pickle ball, horseshoes, bocce ball, tennis, wow! So many clubs to join and a DOGGIE Park too.

6. 2023-08-14
   listed $204,888 Active

   Show marketing remark (1346 chars)

   Lovely 2 bedroom 2 bathroom Savannah Floor Plan in Oak Run Country Clubs Neighborhood 6. ROOF 2022! 1.5 car Garage with 2022 Electrical Breaker Panel. Spacious covered Front Porch with glass Storm Door entry. Roomy Living room looks into the Kitchen and Dining Area. Kitchen is neutral colors with tiled backsplash & has counter with room for bar stools and a built in desk area. The tropical feel of the lanai with ceramic tile, vinyl windows & 2 ceiling fans is relaxing. Roomy Master bedroom with a spacious walk in closet. Also has a Vanity/Dressing area and Master Bathroom has upgraded tile in the step-in shower and updated shower doors. Bath 2 has tub/shower combo with sliding glass doors. If you are in the market for a great home in a great development, then this one is a must see. Community service fee of $139/mo. includes garbage/yard debris pickup, basic cable with community channel 12, use of amenities (golfing extra fee). Oak Run Country Club has a STATE OF THE ART VIRTUAL GUARD SYSTEM AT ITS GATES. There are 6 swimming pools, 5 whirlpools, library, 2 workout rooms, card room, billiard room, ceramics/craft room, on site restaurant(Oak Room Bar & Grill), driving range and an 18-hole golf course. Shuffleboard, pickle ball, horseshoes, bocce ball, tennis, wow! So many clubs to join and a DOGGIE Park too.

7. 2017-06-28
   soldstatus $79,900
8. 2017-06-27
   soldstatus $79,900
9. 2017-03-23
   listed $79,900
10. 1989-04-01
    soldstatus $56,064

ⓘ 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: $1,822 · $152/mo
• Projected year-2 tax: $1,822 · $152/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,643
• − Mortgage interest: −$7,842
• − Property taxes: −$1,822
• − Insurance: −$700
• − Repairs & maintenance: −$1,571
• − Management: −$1,571
• − HOA: −$1,800
• − Depreciation: −$4,073
• Taxable income: $264
• Est. tax owed @ 24.0%: −$63
• After-tax cash flow: $2,323/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): 26,782
• Household income: $57,324
• Rent vs Own: 9.8% rent · 90.2% own
• Severe rent burden: 313.0

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 (80%)
• Race & ethnicity: White 80% Hispanic / Latino 11% Black 7% Two or more races 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Jamaica
• Languages at home: 88% English-only · Spanish 9% French/Haitian/Cajun 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: ▼ -67.48%
• Current HPI: 199.986
• Rent YoY: —
• 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

+149.7% since first listed

11 events — show timeline

• 2026-05-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-15 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-05 Listed $5,000 NFMLS
• 2023-10-13 Sold (Public Records) $198,000 Public Records
• 2023-10-11 Sold (MLS) $198,000 Stellar MLS as Distributed by MLS Grid
• 2023-09-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-08-14 Listed $204,888 Stellar MLS as Distributed by MLS Grid
• 2017-06-28 Sold (Public Records) $79,900 Public Records
• 2017-06-27 Sold (MLS) $79,900 Stellar MLS as Distributed by MLS Grid
• 2017-03-23 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 1989-04-01 Sold (Public Records) $56,064 Public Records

Property tax history

+11.3%/yr

Latest (2025): $1,822 · +15.3% YoY. Source: county tax records.