10952 SW 75th Ave · Liberty Triangle, FL 34476

$182,900

2 bd · 2.0 ba · 1,424 sqft · SingleFamily public records · 41 Days on market

Built 1989 10,019 sqft lot $128/sqft · 10% below area Est $203k · 10% under $123/mo HOA · 7% 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 +17.6/30.0
• ARV discount +11.9/15.0
• DSCR +5.5/10.0
• 1% rule +4.6/10.0
• 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

* * * BRAND NEW ROOF 2025 * * * Welcome to this charming and beautifully maintained 2-bedroom, 2-bath home situated on an oversized 10,000 sq ft lot — the largest lot in the neighborhood! Offering plenty of outdoor space, this property provides endless possibilities for entertaining, gardening, pets, or future additions. Inside, you’ll find a comfortable and functional layout filled with natural light and inviting living spaces perfect for everyday living or seasonal enjoyment. The spacious backyard creates a rare opportunity to enjoy privacy and room to spread out, something not often found in this community. This is a 55+ Community. Conveniently located in the heart of O

Key facts

• Spacious backyard
• Natural light
• Oversized lot

Tags

• OVERSIZED LOT
• SPACIOUS BACKYARD
• NATURAL LIGHT
• INVITING LIVING SPACES
• CONVENIENTLY LOCATED

Property features AI

Finance

• Other: Lot is approximately 0.23 acres with asphalt road access; Zoned B2; Property is homesteaded; Universal property ID available
• Financial info: Annual taxes listed (2025); No lease restrictions indicated
• HOA & community: Monthly HOA fee of $123 (required); Association name: Robert Lapolt; Senior community; Pets allowed

Exterior

• Parking: 1-car garage
• Utilities: Public water; Public sewer; Electricity connected and available; Water connected and available; Sewer connected; Cable available
• Home design: Single family residence; One story; Faces east
• Construction: Vinyl siding and frame construction; Other roof type; Slab foundation; Built with a total living area of 1,424 and building area of 1,424 (public records)
• Exterior features: Other exterior features

Interior

• Kitchen: Cooktop; Dishwasher; Disposal; Microwave; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Wood flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $183k.

Deal economics

• At list price, monthly cash flow is $143 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $175k (4.4% below list).
• Recommended offer: $175k (4.4% below list) — sets the bar for 1% rule.
• Cap rate 7.2% 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: Marion Oaks Elementary School (math 38% / reading 39%, grade F, #1,575 of 2,144 statewide, top 74%, 939 students, 65% 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) — zoned schools at 57% FRL track the district average.
• Market conditions: Rents soft (-2.6%/yr); 858 active listings in the ZIP; 16 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 32% 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 $5k 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 41 days — a 3% lower offer ($177k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $72k; list at $183k implies a 155% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $174,857 (4.4% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.96% ✗
• Cap rate: 7.23%
• Cash-on-cash: 3.35%
• DSCR: 1.15
• GRM: 8.7

CMA / ARV

• ARV (median comp): $202,847
• List price: $182,900
• Delta: -9.83%
• 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
10696 SW 74th Ter	0.24mi	3/2.0 (+1)	1,485 (+4%)	2mo	$225,000	$152	75
7536 SW 107th Ln	0.17mi	3/2.0 (+1)	1,545 (+8%)	4mo	$288,615	$187	70
11268 SW 75 Ter	0.33mi	2/2.0	1,292 (-9%)	1mo	$135,000	$104	68
10804 SW 81st Court Rd	0.66mi	2/2.0	1,421 (-0%)	1mo	$229,900	$162	68
11027 SW 75th Ave	0.08mi	3/2.0 (+1)	1,625 (+14%)	1mo	$235,000	$145	67
6870 SW 112th St	0.73mi	2/2.0	1,425 (+0%)	5mo	$210,500	$148	62
11233 SW 73rd Cir	0.35mi	2/2.0	1,637 (+15%)	4mo	$245,000	$150	55
6899 SW 111th Loop	0.66mi	2/2.0	1,568 (+10%)	4mo	$280,000	$179	50
10806 SW 81st Court Rd	0.67mi	2/2.0	1,262 (-11%)	1mo	$192,500	$153	49
8013 SW 108th Loop	0.73mi	2/2.0	1,271 (-11%)	2mo	$179,900	$142	47
11248 SW 78th Ct	0.45mi	3/2.0 (+1)	1,226 (-14%)	7mo	$185,000	$151	45
11601 SW 77th Cir	0.72mi	2/2.0	1,227 (-14%)	4mo	$198,500	$162	40

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: -14.4%
• Equity multiple: 0.50×
• Total profit: $-25,637
• Equity at exit: $27,271

10-year hold

• IRR: -11.4%
• Equity multiple: 0.41×
• Total profit: $-30,348
• Equity at exit: $15,814

Cash invested: $51,212 (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: 8.7×

Monthly cashflow live

• Estimated rent: $1,749 high
• Mortgage (P&I): −$959
• Tax from tax record: −$80 /mo · $959/yr
• Insurance: −$76
• HOA: −$123
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $143

Break-even live

Break-even rent $1,567

Max offer price $182,900

Occupancy floor 87%

Sensitivity live

Price	-10% $247	-5% $195	+0% $143	+5% $91	+10% $40
Rent	-10% $5	-5% $74	+0% $143	+5% $212	+10% $281
Rate	-1.0pp $235	-0.5pp $190	base $143	+0.5pp $96	+1.0pp $48

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: $45,725
• Closing costs: $5,487
• Reserves months: —
• Total cash needed: —

Rent comps 16 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	23d	1	0.65mi
7867 SW 115th Loop Ocala, FL	3.0	2.0	1462	$1,600	$1.09	23d	1	0.74mi
10819 SW 83rd Ct Ocala, FL	3.0	2.0	1601	$1,495	$0.93	23d	1	0.85mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,750	$0.97	15d	1	0.93mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,795	$0.99	23d	1	0.93mi
10912 SW 69th Cir Ocala, FL	2.0	2.0	1169	$1,600	$1.37	23d	1	1.02mi
8669 SW 108th Ln Ocala, FL	2.0	1.0	1152	$1,250	$1.09	23d	1	1.17mi
8287 SW 116th St Ocala, FL	2.0	2.0	1181	$1,550	$1.31	23d	1	1.19mi
6345 SW 115th Street Rd Ocala, FL	2.0	2.0	1008	$1,400	$1.39	23d	1	1.20mi
10441 SW 85th Ct Ocala, FL	2.0	2.0	1090	$1,495	$1.37	23d	1	1.20mi
8744 SW 108th Lane Rd Ocala, FL	3.0	2.0	1614	$2,200	$1.36	23d	1	1.22mi
11302 SW 62nd Cir Ocala, FL	3.0	2.0	1526	$2,095	$1.37	23d	1	1.29mi
6367 SW 117th Street Rd Ocala, FL	3.0	2.0	1602	$2,650	$1.65	23d	1	1.34mi
8947 SW 108th Pl Ocala, FL	2.0	2.0	1096	$1,500	$1.37	23d	1	1.46mi
8942 SW 109th Ln Ocala, FL	2.0	2.0	960	$1,450	$1.51	23d	1	1.47mi
14173 SW 60th Ter Unit 2 Ocala, FL	2.0	2.0	1127	$1,450	$1.29	23d	1	1.48mi

HOA detail

• Monthly dues: $123 · $1,476/yr

Listing history 19 events

1. 2026-06-21
   days on market $182,900 Active 41 DOM
2. 2026-06-18
   price $182,900 Active 38 DOM
3. 2026-06-18
   days on market $185,400 Active 38 DOM
4. 2026-06-17
   days on market $185,400 Active 37 DOM
5. 2026-06-16
   days on market $185,400 Active 36 DOM
6. 2026-06-15
   days on market $185,400 Active 35 DOM
7. 2026-06-14
   days on market $185,400 Active 33 DOM
8. 2026-06-13
   pricedays on market $185,400 Active 32 DOM
9. 2026-06-10
   days on market $187,900 Active 30 DOM
10. 2026-06-09
    days on market $187,900 Active 29 DOM
11. 2026-06-08
    days on market $187,900 Active 28 DOM
12. 2026-06-07
    days on market $187,900 Active 27 DOM
13. 2026-06-03
    days on market $187,900 Active 23 DOM
14. 2026-06-02
    days on market $187,900 Active 22 DOM
15. 2026-06-01
    days on market $187,900 Active 21 DOM
16. 2026-05-31
    days on market $187,900 Active 20 DOM
17. 2026-05-30
    days on market $187,900 Active 19 DOM
18. 2026-05-11
    listed $187,900 Active 1034-char remark
19. 1989-09-01
    soldstatus $71,700

ⓘ 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: $959 · $80/mo
• Projected year-2 tax: $1,518 · $127/mo
• Expected delta: +$559/yr (+$47/mo · 58.3%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 6 d/yr ≥107°F today · 19 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: $20,983
• − Mortgage interest: −$10,245
• − Property taxes: −$959
• − Insurance: −$914
• − Repairs & maintenance: −$1,679
• − Management: −$1,679
• − HOA: −$1,476
• − Depreciation: −$5,321
• Taxable loss: −$1,290
• Est. tax savings @ 24.0%: +$310
• After-tax cash flow: $2,027/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

+158.6% since first listed

3 events — show timeline

• 2026-06-10 Price Changed $185,400 Stellar MLS as Distributed by MLS Grid
• 2026-05-11 Listed $187,900 Stellar MLS as Distributed by MLS Grid
• 1989-09-01 Sold (Public Records) $71,700 Public Records

Property tax history

+2.9%/yr

Latest (2025): $959 · +29.6% YoY. Source: county tax records.