5682 NW 53rd St · Ocala, FL 34482

$189,900

3 bd · 2.0 ba · 869 sqft · Manufactured public records · 34 Days on market

Built 1973 Good condition 0.25 ac lot ↓ 5% since listing

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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 +25.5/30.0
• DSCR +8.5/10.0
• ARV discount +7.5/15.0
• 1% rule +5.7/10.0
• Rent growth +5.0/5.0
• Condition / age +4.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Appreciation +0.0/10.0

Listing remarks

One or more photo(s) has been virtually staged. Welcome to 5682 NW 53rd St, Ocala, FL 34482, a beautifully maintained home in Ocala Park Estates offering the perfect blend of comfort, style, and prime location in the heart of Marion County’s renowned horse country. Ideally situated just minutes from the World Equestrian Center, this move-in ready property delivers the Central Florida lifestyle buyers are actively searching for—peaceful living with convenient access to shopping, dining, and major roadways. Set on a picturesque, beautifully treed corner lot, the home boasts inviting curb appeal and a serene setting that feels tucked away while still being close to everything Ocala

Key facts

• Stylish kitchen
• Built in pantry
• Center island

Tags

• PICTURESQUE CORNER LOT
• FARMHOUSE INSPIRED DESIGN
• STYLISH KITCHEN
• BUILT IN PANTRY
• CENTER ISLAND
• STAINLESS FARMHOUSE SINK

Property features AI

Finance

• Other: Furnished; Zoning: R4
• HOA & community: No association

Exterior

• Utilities: Well water; Septic tank; Electricity connected
• Home design: Manufactured single-wide home; New construction; One level; North-facing entry
• Construction: Vinyl siding; Shingle roof; Crawlspace foundation; Completed condition; Built as a single wide manufactured home
• Exterior features: Deck; Rain gutters; Corner lot; Paved lot/driveway

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Built-in features; Ceiling fans; Crown molding; Open floorplan; Split bedroom layout; Walk-in closets
• Laundry & utility: Indoor laundry room; Washer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $190k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $444 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $184k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.1% 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.
• Zoned schools: Fessenden Elementary School (math 37% / reading 37%, grade F, #1,609 of 2,144 statewide, top 77%, 417 students, 79% FRL); North Marion High School (math 20% / reading 32%, grade F, #494 of 667 statewide, top 75%, 1,303 students, 66% FRL).
• Market conditions: Rents rising fast (+11.1%/yr); 663 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $53k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,203 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 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 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.07% ✓
• Cap rate: 9.10%
• Cash-on-cash: 10.01%
• DSCR: 1.45
• GRM: 7.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 3.8%
• Equity multiple: 1.15×
• Total profit: $8,201
• Equity at exit: $28,315

10-year hold

• IRR: 17.3%
• Equity multiple: 2.74×
• Total profit: $92,305
• Equity at exit: $16,419

Cash invested: $53,172 (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 34482

• Rents YoY: 11.1%
• Active inventory: 663
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $2,038 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$91 /mo · $1,092/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$428
• Net cashflow: $444

Break-even live

Break-even rent $1,476

Max offer price $189,900

Occupancy floor 73%

Sensitivity live

Price	-10% $551	-5% $498	+0% $444	+5% $390	+10% $336
Rent	-10% $283	-5% $363	+0% $444	+5% $524	+10% $605
Rate	-1.0pp $539	-0.5pp $492	base $444	+0.5pp $395	+1.0pp $344

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5532 NW 57th Pl Ocala, FL	2.0	2.0	962	$1,295	$1.35	14d	1	0.32mi
6440 NW 66th Ct Ocala, FL	3.0	2.0	992	$1,695	$1.71	14d	1	1.32mi

Listing history 20 events

1. 2026-06-18
   days on market $189,900 Active 34 DOM
2. 2026-06-17
   days on market $189,900 Active 33 DOM
3. 2026-06-16
   days on market $189,900 Active 32 DOM
4. 2026-06-15
   days on market $189,900 Active 31 DOM
5. 2026-06-14
   days on market $189,900 Active 29 DOM
6. 2026-06-13
   days on market $189,900 Active 28 DOM
7. 2026-06-10
   days on market $189,900 Active 26 DOM
8. 2026-06-09
   days on market $189,900 Active 25 DOM
9. 2026-06-08
   days on market $189,900 Active 24 DOM
10. 2026-06-07
    days on market $189,900 Active 23 DOM
11. 2026-06-03
    days on market $189,900 Active 19 DOM
12. 2026-06-02
    days on market $189,900 Active 18 DOM
13. 2026-06-01
    days on market $189,900 Active 17 DOM
14. 2026-05-31
    days on market $189,900 Active 16 DOM
15. 2026-05-30
    days on market $189,900 Active 15 DOM
16. 2026-05-15
    listed $189,900 Active 1605-char remark
17. 2026-04-14
    historical
18. 2026-03-13
    price $187,900
19. 2025-11-03
    price $189,900
20. 2025-10-13
    listed $199,900 Active

ⓘ 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: $1,092 · $91/mo
• Projected year-2 tax: $1,576 · $131/mo
• Expected delta: +$484/yr (+$40/mo · 44.4%)

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 21 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: $24,451
• − Mortgage interest: −$10,637
• − Property taxes: −$1,092
• − Insurance: −$950
• − Repairs & maintenance: −$1,956
• − Management: −$1,956
• − Depreciation: −$5,524
• Taxable income: $2,336
• Est. tax owed @ 24.0%: −$561
• After-tax cash flow: $4,764/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 80/100 Cosmetic rehab

This move-in ready manufactured home in Ocala, FL offers a blend of comfort and style with modern updates and a serene setting.

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and value
• Both Add landscaping — Improves curb appeal and rental value
• Both Install smart home features — Attracts tech-savvy buyers and renters

Renovation cost estimate screening

Value-add ROI direction

• Both Paint exterior — Enhances curb appeal and value ↑
• Both Add landscaping — Improves curb appeal and rental value ↑
• Both Install smart home features — Attracts tech-savvy buyers and renters ↑

ⓘ 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 — 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): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

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: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% 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: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• 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

-5.0% since first listed

5 events — show timeline

• 2026-05-15 Listed $189,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-03-13 Price Changed $187,900 Stellar MLS as Distributed by MLS Grid
• 2025-11-03 Price Changed $189,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-13 Listed $199,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+20.2%/yr

Latest (2025): $1,092 · +35.6% YoY. Source: county tax records.