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4239 SW 82nd Ln
D- Composite 39.75
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).

  • ARV discount +12.0/15.0
  • Cash flow +9.1/30.0
  • Schools +4.7/10.0
  • Condition / age +4.0/5.0
  • 1% rule +3.1/10.0
  • DSCR +2.5/10.0
  • Livability +2.5/5.0
  • Rent growth +1.9/5.0
  • Appreciation +0.0/10.0

$285,640

4239 SW 82nd Ln · Liberty Triangle, FL 34476
4 bd · 2.0 ba · 1,821 sqft · SingleFamily · 102 Days on market
Built 2025 Good condition 6,534 sqft lot 2-car garage $157/sqft · 10% below area Est $317k · 10% under $74/mo HOA · 3% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This new single-story home is a modern take on a classic design. Down the foyer is a spacious and open-plan family room which has direct access to the cozy dining room, well-equipped kitchen and attached patio, perfect for everyday living. In a private corner is the owner's suite with a convenient adjoining bathroom, while on the opposite side of the home are three secondary bedrooms to offer restful retreats.

Key facts

  • Adjoining bathroom
  • Owner's suite
  • Single-story home

Tags

SINGLE-STORY HOMEOPEN-PLAN FAMILY ROOMWELL-EQUIPPED KITCHENATTACHED PATIOOWNER'S SUITEADJOINING BATHROOM

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $286k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-218 ($-3k/yr) — negative.
  • To cash-flow at today's rent, offer at most $254k (11.0% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $232k (18.9% below list).
  • Recommended offer: $232k (18.9% below list) — sets the bar for 1% rule.

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: Hammett Bowen Jr. Elementary School (math 56% / reading 56%, grade C+, #832 of 2,144 statewide, top 40%, 867 students, 54% 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).
  • Market conditions: Rents soft (-2.6%/yr); 1071 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
  • This rent runs 42% 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 $2k of loan paydown is wiped out by about $9k 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 102 days — a 9% lower offer ($260k) 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 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $231,659 (18.9% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 102 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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.
  8. 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.
  9. 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
0.81%
Cap rate
5.38%
Cash-on-cash
-3.27%
DSCR
0.85
GRM
10.3

CMA / ARV

ARV (median comp)
$317,070
List price
$285,640
Delta
-9.91%
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
4396 SW 82nd Loop 0.17mi 4/2.0 1,850 (+2%) 1mo $325,000 $176 88
8156 SW 44th Court Rd 0.21mi 4/2.0 1,850 (+2%) 0mo $344,840 $186 87
8320 SW 41st Ter 0.12mi 3/2.0 (-1) 1,841 (+1%) 3mo $319,140 $173 85
8490 SW 41st Cir 0.23mi 4/2.5 1,874 (+3%) 3mo $279,990 $149 80
8179 SW 45th Ct 0.28mi 4/2.5 1,874 (+3%) 2mo $260,160 $139 78
4471 SW 82nd Loop 0.21mi 3/2.0 (-1) 1,696 (-7%) 0mo $316,000 $186 74
8858 SW 46th Ave 0.69mi 4/2.0 1,828 (+0%) 0mo $295,000 $161 67
7749 SW 46th Ct 0.57mi 5/2.0 (+1) 1,739 (-4%) 1mo $263,000 $151 60
7773 SW 46th Ct 0.56mi 4/2.0 1,560 (-14%) 1mo $255,000 $163 49
7725 SW 46th Ct 0.58mi 4/2.0 1,560 (-14%) 1mo $259,990 $167 48
7701 SW 46th Ct 0.60mi 4/2.0 1,560 (-14%) 2mo $260,990 $167 47
8746 SW 45th Ct 0.56mi 3/2.5 (-1) 2,022 (+11%) 2mo $260,000 $129 46

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
-25.3%
Equity multiple
0.16×
Total profit
$-66,872
Equity at exit
$42,590
10-year hold
IRR
-35.2%
Equity multiple
-0.28×
Total profit
$-102,010
Equity at exit
$24,697

Cash invested: $79,979 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
82 active · 47 under contract
Months of supply
9.5 mo (11%/mo absorbed)
Median asking
$299,990 ($172/sqft)
Median days on market
105 d
This list price
34% of active listings are priced below it
ARV vs active asking
+1.1% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34476

Rents YoY
-2.6%
Active inventory
1071
Price-to-rent
10.3×

Monthly cashflow live

Estimated rent
$2,317 high interval (Pro) →
Mortgage (P&I)
$1,498
Tax est. 1.5%
$357 /mo · $4,285/yr
Insurance
$119
HOA
$74
Vacancy / Maint / Mgmt
$486
Net cashflow
$-218

Break-even live

Break-even rent $2,592
Max offer price $254,111
Occupancy floor

Sensitivity live

Price -10% $-20 -5% $-119 +0% $-218 +5% $-317 +10% $-415
Rent -10% $-401 -5% $-309 +0% $-218 +5% $-126 +10% $-35
Rate -1.0pp $-74 -0.5pp $-145 base $-218 +0.5pp $-292 +1.0pp $-367

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
$71,410
Closing costs
$8,569
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 29 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
8320 SW 41st Ter Ocala, FL 3.0 2.0 1841 $2,300 $1.25 63d 1 0.13mi
4311 SW 84th Street Rd Ocala, FL 3.0 3.0 2279 $2,500 $1.10 63d 1 0.18mi
8584 SW 43rd Ter Ocala, FL 5.0 3.0 2370 $2,495 $1.05 63d 1 0.34mi
8584 SW 43rd Ter Ocala, FL 5.0 3.0 2370 $2,495 $1.05 62d 1 0.34mi
8602 SW 43rd Ter Ocala, FL 4.0 2.5 2176 $2,195 $1.01 63d 1 0.36mi
8602 SW 43rd Ter Ocala, FL 4.0 2.5 2176 $2,195 $1.01 62d 1 0.36mi
8590 SW 44th Ct Ocala, FL 3.0 2.0 1453 $1,895 $1.30 63d 1 0.38mi
8590 SW 44th Ct Ocala, FL 3.0 2.0 1453 $1,895 $1.30 63d 1 0.38mi
4643 SW 84th Street Rd Ocala, FL 3.0 2.0 1663 $1,925 $1.16 63d 1 0.41mi
8665 SW 44th Ct Ocala, FL 3.0 2.0 1453 $1,895 $1.30 70d 1 0.44mi
8677 SW 44th Ct Ocala, FL 5.0 3.0 2370 $2,495 $1.05 70d 1 0.46mi
8704 SW 44th Ct Ocala, FL 4.0 2.5 2176 $2,195 $1.01 70d 1 0.50mi
8704 SW 44th Ct Ocala, FL 4.0 2.5 2176 $2,195 $1.01 63d 1 0.50mi
4703 SW 85th Pl Ocala, FL 4.0 2.0 1828 $2,500 $1.37 63d 1 0.51mi
4915 SW 81st St Ocala, FL 3.0 2.5 1707 $1,795 $1.05 63d 1 0.52mi
8609 SW 46th Ter Ocala, FL 3.0 2.0 1670 $2,400 $1.44 63d 1 0.54mi
4939 SW 81st Loop Ocala, FL 3.0 2.5 1828 $1,750 $0.96 63d 1 0.55mi
4828 SW 86th Ln Ocala, FL 3.0 2.0 1672 $1,950 $1.17 70d 1 0.73mi
4697 SW 89th St Ocala, FL 4.0 2.0 1848 $2,150 $1.16 63d 1 0.78mi
9109 SW 45th Ter Ocala, FL 4.0 2.0 1828 $2,150 $1.18 63d 1 0.92mi
8780 SW 49th Cir Ocala, FL 3.0 2.0 1672 $1,900 $1.14 70d 1 1.03mi
8940 SW 50th Ter Ocala, FL 4.0 2.0 1827 $2,195 $1.20 70d 1 1.05mi
8792 SW 49th Cir Ocala, FL 4.0 2.0 1498 $1,850 $1.23 70d 1 1.05mi
7177 SW 92nd St Ocala, FL 3.0 2.5 1410 $1,850 $1.31 70d 1 1.16mi
8880 SW 27th Ave Ocala, FL 2.0–3.0 2.0 1178 $1,399 $1.19 70d 1 1.30mi
4552 SW 65th Pl Ocala, FL 4.0 3.0 2344 $2,200 $0.94 70d 1 1.33mi
7194 SW 91st Ln Ocala, FL 4.0 2.5 1571 $1,950 $1.24 70d 1 1.33mi
4780 SW 95th Ln Ocala, FL 4.0 3.0 2002 $2,395 $1.20 63d 1 1.45mi
4261 SW 62nd Loop Ocala, FL 4.0 3.0 2550 $2,300 $0.90 70d 1 1.47mi

Property features AI

Finance

Other
CDD presentProperty zoning: PUD
Financial info
Other annual assessment: $800
HOA & community
HOA: Aretemis LifestyleHOA required; semi-annual fee ($447)Monthly HOA approximately $74.50Pets allowed

Exterior

Parking
Attached 2-car garage
Utilities
Public waterPublic sewerPublic utilities
Home design
Single-family residenceOne storyNew constructionNorth-facing
Construction
Cement siding and frame constructionShingle roofSlab foundationBuilt by Lennar Homes (Celeste model)
Exterior features
Paved road access65 x 110 lot dimensions

Interior

Kitchen
DishwasherDisposalMicrowaveRange
Bedrooms
4 bedrooms
Flooring
Carpet
Bathrooms
2 full bathrooms
Heating & cooling
Heat pumpCentral air
Interior features
Walk-in closet(s)Sliding doors
Laundry & utility
Dedicated laundry room

Listing history 50 events

  1. 2026-08-08
    days on market $285,640 Active 102 DOM
  2. 2026-08-07
    days on market $285,640 Active 101 DOM
  3. 2026-08-06
    days on market $285,640 Active 100 DOM
  4. 2026-08-05
    days on market $285,640 Active 99 DOM
  5. 2026-08-04
    days on market $285,640 Active 98 DOM
  6. 2026-08-03
    days on market $285,640 Active 97 DOM
  7. 2026-07-31
    days on market $285,640 Active 94 DOM
  8. 2026-07-30
    pricedays on market $285,640 Active 93 DOM
  9. 2026-07-29
    days on market $299,990 Active 92 DOM
  10. 2026-07-27
    days on market $299,990 Active 90 DOM
  11. 2026-07-25
    days on market $299,990 Active 88 DOM
  12. 2026-07-23
    days on market $299,990 Active 86 DOM
  13. 2026-07-22
    days on market $299,990 Active 85 DOM
  14. 2026-07-21
    days on market $299,990 Active 84 DOM
  15. 2026-07-18
    days on market $299,990 Active 81 DOM
  16. 2026-07-16
    days on market $299,990 Active 79 DOM
  17. 2026-07-16
    days on market $299,990 Active 78 DOM
  18. 2026-07-14
    days on market $299,990 Active 77 DOM
  19. 2026-07-13
    days on market $299,990 Active 76 DOM
  20. 2026-07-12
    days on market $299,990 Active 75 DOM
  21. 2026-07-11
    days on market $299,990 Active 74 DOM
  22. 2026-07-10
    days on market $299,990 Active 73 DOM
  23. 2026-07-09
    days on market $299,990 Active 72 DOM
  24. 2026-07-08
    days on market $299,990 Active 71 DOM
  25. 2026-07-07
    days on market $299,990 Active 70 DOM
  26. 2026-07-06
    days on market $299,990 Active 69 DOM
  27. 2026-07-05
    days on market $299,990 Active 68 DOM
  28. 2026-07-04
    days on market $299,990 Active 67 DOM
  29. 2026-07-03
    days on market $299,990 Active 66 DOM
  30. 2026-07-02
    days on market $299,990 Active 65 DOM
  31. 2026-07-01
    price $299,990 Active 64 DOM
  32. 2026-07-01
    days on market $302,990 Active 64 DOM
  33. 2026-06-30
    days on market $302,990 Active 63 DOM
  34. 2026-06-29
    days on market $302,990 Active 62 DOM
  35. 2026-06-28
    days on market $302,990 Active 61 DOM
  36. 2026-06-28
    days on market $302,990 Active 60 DOM
  37. 2026-06-27
    days on market $302,990 Active 59 DOM
  38. 2026-06-25
    days on market $302,990 Active 57 DOM
  39. 2026-06-23
    days on market $302,990 Active 55 DOM
  40. 2026-06-21
    days on market $302,990 Active 54 DOM
  41. 2026-06-18
    price $302,990 Active 51 DOM
  42. 2026-06-18
    days on market $303,140 Active 51 DOM
  43. 2026-06-17
    days on market $303,140 Active 50 DOM
  44. 2026-06-16
    days on market $303,140 Active 49 DOM
    Show marketing remark (413 chars)

    This new single-story home is a modern take on a classic design. Down the foyer is a spacious and open-plan family room which has direct access to the cozy dining room, well-equipped kitchen and attached patio, perfect for everyday living. In a private corner is the owner's suite with a convenient adjoining bathroom, while on the opposite side of the home are three secondary bedrooms to offer restful retreats.

  45. 2026-06-15
    days on market $303,140 Active 48 DOM
  46. 2026-06-14
    days on market $303,140 Active 46 DOM
  47. 2026-06-13
    days on market $303,140 Active 45 DOM
  48. 2026-06-10
    days on market $303,140 Active 43 DOM
  49. 2026-06-09
    days on market $303,140 Active 42 DOM
  50. 2026-06-08
    days on market $303,140 Active 41 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 6 d/yr ≥108°F today · 17 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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$27,799
− Mortgage interest
−$16,000
− Property taxes
−$4,285
− Insurance
−$1,428
− Repairs & maintenance
−$2,224
− Management
−$2,224
− HOA
−$888
− Depreciation
−$8,310
Taxable loss
−$7,559
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,814
After-tax cash flow
$-800/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 · 6 photos

Good 80/100 Cosmetic rehab Est. rehab $9,105–$27,315 screening

This modern single-story home is in excellent condition with minimal repairs needed. It offers a spacious and open floor plan, modern appliances, and fresh paint throughout. The property is move-in ready and would benefit from some updates to increase its value.

Value-add opportunities

  • Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics
  • Both Replace carpet with hardwood flooring in bedrooms — Hardwood flooring is more durable and adds value
  • Both Install smart home devices — Smart home devices improve convenience and energy efficiency

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 46/100

Zoned Schools

Elementary Hammett Bowen Jr. Elementary School C+ FL #832/2,144 Nat'l #9,382/41,679 Middle Liberty Middle School F FL #360/571 Nat'l #5,872/14,009 High West Port High School F FL #255/667 Nat'l #7,439/17,239

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 · 365,905 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
10% of renters

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

Price history

+2.7% since first listed
8 events — show timeline
  • 2026-06-18 Price Changed $302,990 Stellar MLS as Distributed by MLS Grid
  • 2026-06-16 Price Changed $302,990 Zillow
  • 2026-05-19 Price Changed $303,140 Stellar MLS as Distributed by MLS Grid
  • 2026-05-13 Price Changed $306,140 Stellar MLS as Distributed by MLS Grid
  • 2026-05-13 Price Changed $303,140 Stellar MLS as Distributed by MLS Grid
  • 2026-05-12 Price Changed $303,140 Zillow
  • 2026-04-28 Listed $294,990 Stellar MLS as Distributed by MLS Grid
  • 2026-04-22 Listed $294,990 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…