5096 NW 19th Pl · Ocala, FL 34482

$159,000

2 bd · 1.0 ba · 825 sqft · SingleFamily public records · 195 Days on market

Built 1994 8,712 sqft lot $193/sqft · 13% below area Est $183k · 13% under $297/mo HOA · 14% 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 +13.5/15.0
• 1% rule +8.1/10.0
• DSCR +6.7/10.0
• Rent growth +5.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

* * * NEED TO DOWNSIZE ? * * * Perfect opportunity to own this tastefully updated home with large fenced yard. This home features Bleached Wood Tile Floors throughout, Freshly painted and Updated Lighting. Both Bedrooms feature nice size Walk-in Closets and Ceiling Fans. You will certainly enjoy the updated Kitchen with Granite Counter Tops, Updated Lighting and Stainless Steel Appliances. Enjoy the afternoons in the screened-in Patio or the Open Patio overlooking this wonderful back yard. Perfect Sanctuary for your furry friend ! Ocala Palms is a very active 55+ community with an array of amenities. Enjoy the nice views of the golf course throughout the community. It boasts a 19,000 square-foot clubhouse, a fitness center, indoor heated pool, studio spaces and game rooms, and a library. The ballroom hosts an array of meetings, parties, and events. Outdoor amenities include an additional pool with spa, tennis/pickleball, bocce ball, shuffleboard, and volleyball courts. Golfers will enjoy the 18-hole golf course and driving range.

Key facts

• Large fenced yard
• Updated kitchen
• Granite counter tops

Tags

• LARGE FENCED YARD
• BLEACHED WOOD TILE FLOORS
• UPDATED KITCHEN
• GRANITE COUNTER TOPS
• STAINLESS STEEL APPLIANCES
• SCREENED IN PATIO

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $159k.

Deal economics

• At list price, monthly cash flow is $226 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $159k).
• Recommended offer: $140k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.1% 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: 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 rising fast (+11.1%/yr); 670 active listings in the ZIP; 7 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 38% 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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $45k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 195 days — a 12% lower offer ($140k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $32k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $65k; list at $159k implies a 145% 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 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $139,920 (12.0% below list)

Questions for the listing agent

1. It's been on market 195 days. Have you received any prior offers? Is the seller open to a 12% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.31% ✓
• Cap rate: 8.00%
• Cash-on-cash: 6.10%
• DSCR: 1.27
• GRM: 6.4

CMA / ARV

• ARV (median comp): $183,404
• List price: $159,000
• Delta: -13.31%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -0.1%
• Equity multiple: 1.00×
• Total profit: $-142
• Equity at exit: $23,707

10-year hold

• IRR: 15.0%
• Equity multiple: 2.56×
• Total profit: $69,328
• Equity at exit: $13,747

Cash invested: $44,520 (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: 670
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $2,077 high
• Mortgage (P&I): −$834
• Tax from tax record: −$218 /mo · $2,613/yr
• Insurance: −$66
• HOA: −$297
• Vacancy / Maint / Mgmt: −$436
• Net cashflow: $226

Break-even live

Break-even rent $1,791

Max offer price $159,000

Occupancy floor 84%

Sensitivity live

Price	-10% $316	-5% $271	+0% $226	+5% $181	+10% $136
Rent	-10% $62	-5% $144	+0% $226	+5% $308	+10% $391
Rate	-1.0pp $306	-0.5pp $267	base $226	+0.5pp $185	+1.0pp $143

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: $39,750
• Closing costs: $4,770
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	23d	1	0.06mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	23d	1	0.10mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	23d	1	0.11mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	23d	1	0.12mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	15d	1	0.34mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	23d	1	0.34mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	23d	1	0.88mi

HOA detail

• Monthly dues: $297 · $3,564/yr
• Likely covers: poolgym

Listing history 13 events

1. 2026-06-07
   statusdays on market $159,000 Pending 195 DOM
2. 2026-06-03
   days on market $159,000 Active 194 DOM
3. 2026-06-02
   days on market $159,000 Active 193 DOM
4. 2026-05-31
   days on market $159,000 Active 191 DOM
5. 2026-05-30
   days on market $159,000 Active 190 DOM
6. 2026-05-07
   price $159,000 1051-char remark

   Show marketing remark (1051 chars)

   * * * NEED TO DOWNSIZE ? * * * Perfect opportunity to own this tastefully updated home with large fenced yard. This home features Bleached Wood Tile Floors throughout, Freshly painted and Updated Lighting. Both Bedrooms feature nice size Walk-in Closets and Ceiling Fans. You will certainly enjoy the updated Kitchen with Granite Counter Tops, Updated Lighting and Stainless Steel Appliances. Enjoy the afternoons in the screened-in Patio or the Open Patio overlooking this wonderful back yard. Perfect Sanctuary for your furry friend ! Ocala Palms is a very active 55+ community with an array of amenities. Enjoy the nice views of the golf course throughout the community. It boasts a 19,000 square-foot clubhouse, a fitness center, indoor heated pool, studio spaces and game rooms, and a library. The ballroom hosts an array of meetings, parties, and events. Outdoor amenities include an additional pool with spa, tennis/pickleball, bocce ball, shuffleboard, and volleyball courts. Golfers will enjoy the 18-hole golf course and driving range.

7. 2026-05-07
   status Active 1051-char remark

   Show marketing remark (1051 chars)

   * * * NEED TO DOWNSIZE ? * * * Perfect opportunity to own this tastefully updated home with large fenced yard. This home features Bleached Wood Tile Floors throughout, Freshly painted and Updated Lighting. Both Bedrooms feature nice size Walk-in Closets and Ceiling Fans. You will certainly enjoy the updated Kitchen with Granite Counter Tops, Updated Lighting and Stainless Steel Appliances. Enjoy the afternoons in the screened-in Patio or the Open Patio overlooking this wonderful back yard. Perfect Sanctuary for your furry friend ! Ocala Palms is a very active 55+ community with an array of amenities. Enjoy the nice views of the golf course throughout the community. It boasts a 19,000 square-foot clubhouse, a fitness center, indoor heated pool, studio spaces and game rooms, and a library. The ballroom hosts an array of meetings, parties, and events. Outdoor amenities include an additional pool with spa, tennis/pickleball, bocce ball, shuffleboard, and volleyball courts. Golfers will enjoy the 18-hole golf course and driving range.

8. 2026-05-05
   status Pending 1051-char remark

   Show marketing remark (1051 chars)

   * * * NEED TO DOWNSIZE ? * * * Perfect opportunity to own this tastefully updated home with large fenced yard. This home features Bleached Wood Tile Floors throughout, Freshly painted and Updated Lighting. Both Bedrooms feature nice size Walk-in Closets and Ceiling Fans. You will certainly enjoy the updated Kitchen with Granite Counter Tops, Updated Lighting and Stainless Steel Appliances. Enjoy the afternoons in the screened-in Patio or the Open Patio overlooking this wonderful back yard. Perfect Sanctuary for your furry friend ! Ocala Palms is a very active 55+ community with an array of amenities. Enjoy the nice views of the golf course throughout the community. It boasts a 19,000 square-foot clubhouse, a fitness center, indoor heated pool, studio spaces and game rooms, and a library. The ballroom hosts an array of meetings, parties, and events. Outdoor amenities include an additional pool with spa, tennis/pickleball, bocce ball, shuffleboard, and volleyball courts. Golfers will enjoy the 18-hole golf course and driving range.

9. 2026-03-05
   price $179,900 1051-char remark

   Show marketing remark (1051 chars)

   * * * NEED TO DOWNSIZE ? * * * Perfect opportunity to own this tastefully updated home with large fenced yard. This home features Bleached Wood Tile Floors throughout, Freshly painted and Updated Lighting. Both Bedrooms feature nice size Walk-in Closets and Ceiling Fans. You will certainly enjoy the updated Kitchen with Granite Counter Tops, Updated Lighting and Stainless Steel Appliances. Enjoy the afternoons in the screened-in Patio or the Open Patio overlooking this wonderful back yard. Perfect Sanctuary for your furry friend ! Ocala Palms is a very active 55+ community with an array of amenities. Enjoy the nice views of the golf course throughout the community. It boasts a 19,000 square-foot clubhouse, a fitness center, indoor heated pool, studio spaces and game rooms, and a library. The ballroom hosts an array of meetings, parties, and events. Outdoor amenities include an additional pool with spa, tennis/pickleball, bocce ball, shuffleboard, and volleyball courts. Golfers will enjoy the 18-hole golf course and driving range.

10. 2025-11-19
    listed $190,500 Active 1051-char remark

    Show marketing remark (1051 chars)

    * * * NEED TO DOWNSIZE ? * * * Perfect opportunity to own this tastefully updated home with large fenced yard. This home features Bleached Wood Tile Floors throughout, Freshly painted and Updated Lighting. Both Bedrooms feature nice size Walk-in Closets and Ceiling Fans. You will certainly enjoy the updated Kitchen with Granite Counter Tops, Updated Lighting and Stainless Steel Appliances. Enjoy the afternoons in the screened-in Patio or the Open Patio overlooking this wonderful back yard. Perfect Sanctuary for your furry friend ! Ocala Palms is a very active 55+ community with an array of amenities. Enjoy the nice views of the golf course throughout the community. It boasts a 19,000 square-foot clubhouse, a fitness center, indoor heated pool, studio spaces and game rooms, and a library. The ballroom hosts an array of meetings, parties, and events. Outdoor amenities include an additional pool with spa, tennis/pickleball, bocce ball, shuffleboard, and volleyball courts. Golfers will enjoy the 18-hole golf course and driving range.

11. 2025-11-18
    historical
12. 2025-11-17
    listed $190,500 Active
13. 2019-08-27
    soldstatus $65,000

ⓘ 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: $2,613 · $218/mo
• Projected year-2 tax: $2,613 · $218/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 · 23 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: $24,929
• − Mortgage interest: −$8,906
• − Property taxes: −$2,613
• − Insurance: −$795
• − Repairs & maintenance: −$1,994
• − Management: −$1,994
• − HOA: −$3,564
• − Depreciation: −$4,625
• Taxable income: $437
• Est. tax owed @ 24.0%: −$105
• After-tax cash flow: $2,612/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

• 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

+144.6% since first listed

8 events — show timeline

• 2026-05-07 Price Changed $159,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-05 Price Changed $179,900 Stellar MLS as Distributed by MLS Grid
• 2025-11-19 Listed $190,500 Stellar MLS as Distributed by MLS Grid
• 2025-11-18 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-11-17 Listed $190,500 Stellar MLS as Distributed by MLS Grid
• 2019-08-27 Sold (Public Records) $65,000 Public Records

Property tax history

+14.3%/yr

Latest (2025): $2,613 · +14.2% YoY. Source: county tax records.