7670 SW 112th Ln · Liberty Triangle, FL 34476

$109,500

2 bd · 2.0 ba · 864 sqft · SingleFamily public records · 78 Days on market

Built 1991 0.27 ac lot Est $151k · 28% under $120/mo HOA · 8% of rent

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Why this score? — see what drove the B- 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 +26.0/30.0
• ARV discount +15.0/15.0
• 1% rule +9.2/10.0
• DSCR +8.8/10.0
• 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 MLS

Foreclosure Auction Ends June 16, 2025 at 11:00 AM EST. Discover this inviting 2-bedroom, 2-bathroom home, offering a wonderful opportunity to live in a desirable Ocala neighborhood. Sold As-is with Clear Title. Explore more details and submit your bid through Federa Home App.

Key facts

• Enclosed back porch
• Fenced in backyard
• Updated flooring

Tags

• GRANITE COUNTERTOPS
• UPDATED FLOORING
• ENCLOSED BACK PORCH
• FENCED IN BACKYARD

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $274 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $103k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.3% 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 B — 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; 6 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $757 of loan paydown is wiped out by about $3k 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 78 days — a 6% lower offer ($103k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 9y ago; this cycle's ask has dropped $20k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $85k; 29% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $102,930 (6.0% below list)

Questions for the listing agent

1. It's been on market 78 days. Have you received any prior offers? Is the seller open to a 6% 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. 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: 1.42% ✓
• Cap rate: 9.30%
• Cash-on-cash: 10.73%
• DSCR: 1.48
• GRM: 5.9

CMA / ARV

• ARV (on-the-fly): $151,200
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
11123 SW 76th Ter	0.19mi	2/2.0	864 (0%)	15mo	$177,500	$205	79
11068 SW 76th Ter	0.25mi	2/2.0	864 (0%)	20mo	$162,500	$188	72
11140 SW 75th Ter	0.19mi	2/2.0	960 (+11%)	1mo	$135,000	$141	72
11091 SW 76th Ter	0.22mi	2/2.0	936 (+8%)	12mo	$164,000	$175	66
8108 SW 108th Place Rd	0.49mi	2/2.0	992 (+15%)	4mo	$160,000	$161	50
8431 SW 109th Lane Rd	0.75mi	1/1.0 (-1)	912 (+6%)	4mo	$103,000	$113	43
10827 SW 79th Ave	0.55mi	2/2.0	936 (+8%)	22mo	$162,000	$173	42
8105 SW 107th Pl	0.73mi	2/1.0	768 (-11%)	21mo	$165,000	$215	26

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: -4.3%
• Equity multiple: 0.85×
• Total profit: $-4,698
• Equity at exit: $16,327

10-year hold

• IRR: 0.8%
• Equity multiple: 1.04×
• Total profit: $1,373
• Equity at exit: $9,468

Cash invested: $30,660 (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: 5.9×

Monthly cashflow live

• Estimated rent: $1,554 high
• Mortgage (P&I): −$574
• Tax from tax record: −$214 /mo · $2,564/yr
• Insurance: −$46
• HOA: −$120
• Vacancy / Maint / Mgmt: −$326
• Net cashflow: $274

Break-even live

Break-even rent $1,207

Max offer price $109,500

Occupancy floor 77%

Sensitivity live

Price	-10% $336	-5% $305	+0% $274	+5% $243	+10% $212
Rent	-10% $151	-5% $213	+0% $274	+5% $335	+10% $397
Rate	-1.0pp $329	-0.5pp $302	base $274	+0.5pp $246	+1.0pp $217

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: $27,375
• Closing costs: $3,285
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11112 SW 78th Ave Ocala, FL	2.0	1.0	672	$1,150	$1.71	22d	1	0.21mi
8130 SW 108th Street Rd Ocala, FL	2.0	2.0	1084	$1,975	$1.82	22d	1	0.52mi
10441 SW 85th Ct Ocala, FL	2.0	2.0	1090	$1,495	$1.37	22d	1	1.22mi
8942 SW 109th Ln Ocala, FL	2.0	2.0	960	$1,450	$1.51	22d	1	1.26mi
8947 SW 108th Pl Ocala, FL	2.0	2.0	1096	$1,500	$1.37	22d	1	1.30mi
6345 SW 115th Street Rd Ocala, FL	2.0	2.0	1008	$1,400	$1.39	22d	1	1.40mi

HOA detail

• Monthly dues: $120 · $1,440/yr

Listing history 20 events

1. 2026-04-14
   status Pending
2. 2026-03-30
   status Active
3. 2026-03-29
   status Pending
4. 2026-03-17
   price $109,500
5. 2026-03-11
   status Active
6. 2026-02-25
   status Pending
7. 2026-02-20
   status Active
8. 2026-02-18
   status Pending
9. 2026-02-13
   price $119,500
10. 2026-01-09
    listed $129,500 Active
11. 2025-06-16
    historical 277-char remark

    Show marketing remark (277 chars)

    Foreclosure Auction Ends June 16, 2025 at 11:00 AM EST. Discover this inviting 2-bedroom, 2-bathroom home, offering a wonderful opportunity to live in a desirable Ocala neighborhood. Sold As-is with Clear Title. Explore more details and submit your bid through Federa Home App.

12. 2025-06-04
    listed $100,000 Active 277-char remark

    Show marketing remark (277 chars)

    Foreclosure Auction Ends June 16, 2025 at 11:00 AM EST. Discover this inviting 2-bedroom, 2-bathroom home, offering a wonderful opportunity to live in a desirable Ocala neighborhood. Sold As-is with Clear Title. Explore more details and submit your bid through Federa Home App.

13. 2018-01-12
    soldstatus $84,900
14. 2018-01-11
    soldstatus $84,900 177-char remark

    Show marketing remark (177 chars)

    Picture perfect 2/2/1 in back section of Palm Cay. Lots of updates including granite, vinyl plank flooring and newer appliances. Enclosed vinyl lanai off kitchen. Move-in ready.

15. 2017-12-05
    listed $84,900 177-char remark

    Show marketing remark (177 chars)

    Picture perfect 2/2/1 in back section of Palm Cay. Lots of updates including granite, vinyl plank flooring and newer appliances. Enclosed vinyl lanai off kitchen. Move-in ready.

16. 2017-06-28
    soldstatus $67,000
17. 2017-06-22
    soldstatus $67,000
18. 2017-05-04
    listed $69,999
19. 2005-03-09
    soldstatus $45,000
20. 1991-10-01
    soldstatus $49,900

ⓘ 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: $2,564 · $214/mo
• Projected year-2 tax: $2,564 · $214/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 4/10 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 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,646
• − Mortgage interest: −$6,134
• − Property taxes: −$2,564
• − Insurance: −$548
• − Repairs & maintenance: −$1,492
• − Management: −$1,492
• − HOA: −$1,440
• − Depreciation: −$3,185
• Taxable income: $1,793
• Est. tax owed @ 24.0%: −$430
• After-tax cash flow: $2,858/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

+119.4% since first listed

20 events — show timeline

• 2026-04-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-30 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Price Changed $109,500 Stellar MLS as Distributed by MLS Grid
• 2026-03-11 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-20 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-13 Price Changed $119,500 Stellar MLS as Distributed by MLS Grid
• 2026-01-09 Listed $129,500 Stellar MLS as Distributed by MLS Grid
• 2025-06-16 Listing Removed — realMLS
• 2025-06-04 Listed $100,000 realMLS
• 2018-01-12 Sold (Public Records) $84,900 Public Records
• 2018-01-11 Sold (MLS) $84,900 Stellar MLS as Distributed by MLS Grid
• 2017-12-05 Listed $84,900 Stellar MLS as Distributed by MLS Grid
• 2017-06-28 Sold (Public Records) $67,000 Public Records
• 2017-06-22 Sold (MLS) $67,000 Stellar MLS as Distributed by MLS Grid
• 2017-05-04 Listed $69,999 Stellar MLS as Distributed by MLS Grid
• 2005-03-09 Sold (Public Records) $45,000 Public Records
• 1991-10-01 Sold (Public Records) $49,900 Public Records

Property tax history

+15.8%/yr

Latest (2025): $2,564 · -1.9% YoY. Source: county tax records.