2471 Celebes Ct · Harbour Heights, FL 33983

$319,000

3 bd · 2.0 ba · 1,756 sqft · SingleFamily public records · 91 Days on market

Built 1980 9,599 sqft lot Est $316k · at est. $17/mo HOA · 1% 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 +12.7/30.0
• ARV discount +7.1/15.0
• Schools +4.6/10.0
• DSCR +3.8/10.0
• 1% rule +3.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Experience the Florida dream lifestyle in this charming 3-bedroom, 2-bath ranch-style home nestled on a quiet cul-de-sac in the Deed Restricted Deep Creek community. As you step through the entryway, you'll be captivated by the quality and finishes that adorn this beautifully redone home. The spacious great room boasts a breathtaking greenbelt view, (NO BACK YARD NEIGHBORS!) made even more enjoyable by the 37ft long lanai that is already wired for a hot tub. The wall of pocketing, sliding glass doors enhances the sense of space and seamlessly connects the interior with the serene outdoors. The functional galley kitchen features a pass-thru counter and an eating area, while the remodeled kitchen gleams with new stainless-steel appliances, wood cabinets, and gorgeous granite countertops. A bright breakfast nook overlooks the peaceful backyard, creating a perfect spot to entertain family and friends. Both guest bedrooms are generously sized, offering a bright and airy atmosphere. The interior laundry room is illuminated by a large window, adding to the overall appeal of the home. Updates abound in this home, including NEW ROOF, new carpeting and ceramic tiles throughout, refreshed bathrooms, a newer A/C unit, new gutters, hurricane impact windows and much more. Living in the Deed Restricted Deep Creek Community provides numerous advantages, including proximity to golfing, boating, beaches, shopping, dining, and the interstate.

Key facts

• Carpeted great room
• Wired for hot tub
• Gallery kitchen

Tags

• SCREENED IN ENTRYWAY
• CARPETED GREAT ROOM
• GREENBELT
• WIRED FOR HOT TUB
• HANGING BARN DOORS
• GALLERY KITCHEN

Property features AI

Finance

• Other: Property is homesteaded; Zoned RSF3.5; No waterfront access or view
• HOA & community: HOA: SERENA IMPERIAL; HOA fee $205 annually (about $17.08/month); Association requires fees; Association amenities include fence restrictions, pickleball courts, playground, tennis courts, and vehicle restrictions; Pets allowed: cats and dogs; Deed restrictions

Exterior

• Parking: Attached garage with 2 spaces
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; Fiber optics available; Underground utilities; Water connected
• Home design: Single family residence; Residential property; One story; North-facing
• Construction: Block construction; Shingle roof; Slab foundation; Built on a 0.22-acre lot
• Exterior features: Private mailbox; Sliding doors; Asphalt road access; Public maintained road

Interior

• Kitchen: Bar fridge; Dishwasher; Freezer; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Split bedroom layout; Walk-in closet(s)
• Laundry & utility: Laundry room; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $319k.

Deal economics

• At list price, monthly cash flow is $-34 ($-406/yr) — negative.
• To cash-flow at today's rent, offer at most $313k (1.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $274k (14.1% below list).
• Recommended offer: $274k (14.1% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 4.0% in Harbour Heights — 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 64/100 on livability (#684 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, employment B; Watch: amenities F, commute F, health & safety D-.
• Charlotte (suburban): math 54% / reading 54% proficiency, ranked #22 of 73 in FL (top 30%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Deep Creek Elementary School (math 64% / reading 68%, grade B+, #492 of 2,144 statewide, top 23%, 835 students, 47% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
• Market conditions: Rents soft (-2.6%/yr); 553 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• At $2,739/mo this rent would consume 46% of the median local household income ($72k/yr) (locally 342% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($290k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 21y ago; this cycle's ask has dropped $21k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $273,865 (14.1% 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 91 days. Have you received any prior offers? Is the seller open to a 14% 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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?
8. 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.
9. 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.
10. 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: 0.86% ✗
• Cap rate: 6.17%
• Cash-on-cash: -0.45%
• DSCR: 0.98
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $316,080
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2381 Montpelier Rd	0.24mi	3/2.0	1,786 (+2%)	3mo	$360,000	$202	83
26177 Madras Ct	0.19mi	3/2.0	1,791 (+2%)	12mo	$372,216	$208	78
2393 Greenland Ct	0.50mi	3/2.0	1,740 (-1%)	13mo	$335,000	$193	64
2183 Rio DE Janeiro Ave	0.68mi	3/2.0	1,695 (-4%)	3mo	$255,000	$150	60
2165 Onondaga Ln	0.66mi	3/2.0	1,884 (+7%)	2mo	$290,000	$154	56
26055 Luzon Ct	0.22mi	4/2.0 (+1)	1,976 (+12%)	23mo	$333,000	$169	45
2142 Royal Tern Cir	0.56mi	2/2.0 (-1)	1,503 (-14%)	3mo	$255,000	$170	43
2442 Cologne Ln	0.64mi	3/2.0	1,595 (-9%)	16mo	$315,000	$197	41
2378 Rio DE Janeiro Ave	0.47mi	3/2.0	1,979 (+13%)	19mo	$265,000	$134	41
2148 Royal Tern Cir	0.54mi	2/2.0 (-1)	1,503 (-14%)	8mo	$262,000	$174	39
2145 Royal Tern Cir	0.69mi	2/2.0 (-1)	1,503 (-14%)	8mo	$270,990	$180	32
2130 Royal Tern Cir	0.59mi	2/2.0 (-1)	1,503 (-14%)	20mo	$310,000	$206	27

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: -20.4%
• Equity multiple: 0.31×
• Total profit: $-61,833
• Equity at exit: $47,564

10-year hold

• IRR: -22.2%
• Equity multiple: 0.02×
• Total profit: $-87,483
• Equity at exit: $27,581

Cash invested: $89,320 (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 33983

• Home prices YoY: -5.1%
• Rents YoY: -2.6%
• Active inventory: 553
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,739 high
• Mortgage (P&I): −$1,673
• Tax from tax record: −$375 /mo · $4,495/yr
• Insurance: −$133
• HOA: −$17
• Vacancy / Maint / Mgmt: −$575
• Net cashflow: $-34

Break-even live

Break-even rent $2,781

Max offer price $313,029

Occupancy floor 96%

Sensitivity live

Price	-10% $147	-5% $56	+0% $-34	+5% $-124	+10% $-214
Rent	-10% $-250	-5% $-142	+0% $-34	+5% $74	+10% $183
Rate	-1.0pp $127	-0.5pp $47	base $-34	+0.5pp $-116	+1.0pp $-201

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: $79,750
• Closing costs: $9,570
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2408 Montpelier Rd Punta Gorda, FL	3.0	2.5	2269	$4,400	$1.94	21d	1	0.16mi
Rio De Janeiro Ave Punta Gorda, FL	4.0	2.0	2090	$2,495	$1.19	21d	1	0.44mi
2437 Greenland Ct Punta Gorda, FL	3.0	2.0	1995	$2,100	$1.05	21d	1	0.52mi
2194 Rio de Janeiro Ave Punta Gorda, FL	3.0	2.0	1677	$1,825	$1.09	14d	1	0.68mi
2081 Nuremberg Blvd Punta Gorda, FL	3.0	2.0	2252	$2,136	$0.95	14d	1	0.82mi
25442 Rampart Blvd Punta Gorda, FL	3.0	2.0	2032	$2,800	$1.38	21d	1	1.00mi
3187 Sulstone Dr Punta Gorda, FL	3.0	2.0	1408	$2,000	$1.42	21d	1	1.03mi
1535 Ultramarine Ln Punta Gorda, FL	3.0	2.0	1950	$2,950	$1.51	21d	1	1.03mi
1462 Rio De Janeiro Ave Unit B103 Punta Gorda, FL	2.0	2.0	1385	$1,700	$1.23	14d	1	1.15mi
27048 Omni Ln Punta Gorda, FL	3.0	2.0	1596	$1,900	$1.19	21d	1	1.17mi
3415 Sulstone Dr Punta Gorda, FL	3.0	2.0	1390	$2,100	$1.51	21d	1	1.26mi
1418 Olancha Ct Punta Gorda, FL	4.0	3.0	2416	$4,000	$1.66	21d	1	1.27mi
1392 San Cristobal Ave Punta Gorda, FL	3.0	2.0	1452	$2,150	$1.48	21d	1	1.36mi
1472 Neapolitan Rd Punta Gorda, FL	3.0	2.0	1820	$2,100	$1.15	14d	1	1.37mi
3234 Daytona Dr Punta Gorda, FL	3.0	2.0	1442	$2,500	$1.73	21d	1	1.42mi
1471 Capricorn Blvd Unit A Punta Gorda, FL	3.0	2.0	1450	$1,900	$1.31	14d	1	1.45mi
1275 Saxony Cir #3101 Punta Gorda, FL	2.0	2.0	1291	$3,000	$2.32	21d	1	1.48mi

HOA detail

• Monthly dues: $17 · $204/yr

Listing history 43 events

1. 2026-06-18
   days on market $319,000 Active 91 DOM
2. 2026-06-17
   days on market $319,000 Active 90 DOM
3. 2026-06-16
   days on market $319,000 Active 89 DOM
4. 2026-06-15
   days on market $319,000 Active 88 DOM
5. 2026-06-14
   days on market $319,000 Active 86 DOM
6. 2026-06-13
   days on market $319,000 Active 85 DOM
7. 2026-06-10
   days on market $319,000 Active 83 DOM
8. 2026-06-09
   days on market $319,000 Active 82 DOM
9. 2026-06-08
   days on market $319,000 Active 81 DOM
10. 2026-06-07
    days on market $319,000 Active 80 DOM
11. 2026-06-05
    days on market $319,000 Active 77 DOM
12. 2026-06-03
    days on market $319,000 Active 76 DOM
13. 2026-06-02
    days on market $319,000 Active 75 DOM
14. 2026-06-01
    days on market $319,000 Active 74 DOM
15. 2026-05-31
    days on market $319,000 Active 73 DOM
16. 2026-05-30
    days on market $319,000 Active 72 DOM
17. 2026-05-11
    price $319,000
18. 2026-04-24
    price $324,000
19. 2026-04-02
    price $335,000
20. 2026-03-19
    listed $340,000 Active
21. 2023-12-15
    soldstatus $315,000
22. 2023-12-11
    soldstatus $315,000 Closed 1447-char remark

    Show marketing remark (1447 chars)

    Experience the Florida dream lifestyle in this charming 3-bedroom, 2-bath ranch-style home nestled on a quiet cul-de-sac in the Deed Restricted Deep Creek community. As you step through the entryway, you'll be captivated by the quality and finishes that adorn this beautifully redone home. The spacious great room boasts a breathtaking greenbelt view, (NO BACK YARD NEIGHBORS!) made even more enjoyable by the 37ft long lanai that is already wired for a hot tub. The wall of pocketing, sliding glass doors enhances the sense of space and seamlessly connects the interior with the serene outdoors. The functional galley kitchen features a pass-thru counter and an eating area, while the remodeled kitchen gleams with new stainless-steel appliances, wood cabinets, and gorgeous granite countertops. A bright breakfast nook overlooks the peaceful backyard, creating a perfect spot to entertain family and friends. Both guest bedrooms are generously sized, offering a bright and airy atmosphere. The interior laundry room is illuminated by a large window, adding to the overall appeal of the home. Updates abound in this home, including NEW ROOF, new carpeting and ceramic tiles throughout, refreshed bathrooms, a newer A/C unit, new gutters, hurricane impact windows and much more. Living in the Deed Restricted Deep Creek Community provides numerous advantages, including proximity to golfing, boating, beaches, shopping, dining, and the interstate.

23. 2023-11-15
    status Pending 1447-char remark

    Show marketing remark (1447 chars)

    Experience the Florida dream lifestyle in this charming 3-bedroom, 2-bath ranch-style home nestled on a quiet cul-de-sac in the Deed Restricted Deep Creek community. As you step through the entryway, you'll be captivated by the quality and finishes that adorn this beautifully redone home. The spacious great room boasts a breathtaking greenbelt view, (NO BACK YARD NEIGHBORS!) made even more enjoyable by the 37ft long lanai that is already wired for a hot tub. The wall of pocketing, sliding glass doors enhances the sense of space and seamlessly connects the interior with the serene outdoors. The functional galley kitchen features a pass-thru counter and an eating area, while the remodeled kitchen gleams with new stainless-steel appliances, wood cabinets, and gorgeous granite countertops. A bright breakfast nook overlooks the peaceful backyard, creating a perfect spot to entertain family and friends. Both guest bedrooms are generously sized, offering a bright and airy atmosphere. The interior laundry room is illuminated by a large window, adding to the overall appeal of the home. Updates abound in this home, including NEW ROOF, new carpeting and ceramic tiles throughout, refreshed bathrooms, a newer A/C unit, new gutters, hurricane impact windows and much more. Living in the Deed Restricted Deep Creek Community provides numerous advantages, including proximity to golfing, boating, beaches, shopping, dining, and the interstate.

24. 2023-11-03
    price $329,000 1447-char remark

    Show marketing remark (1447 chars)

    Experience the Florida dream lifestyle in this charming 3-bedroom, 2-bath ranch-style home nestled on a quiet cul-de-sac in the Deed Restricted Deep Creek community. As you step through the entryway, you'll be captivated by the quality and finishes that adorn this beautifully redone home. The spacious great room boasts a breathtaking greenbelt view, (NO BACK YARD NEIGHBORS!) made even more enjoyable by the 37ft long lanai that is already wired for a hot tub. The wall of pocketing, sliding glass doors enhances the sense of space and seamlessly connects the interior with the serene outdoors. The functional galley kitchen features a pass-thru counter and an eating area, while the remodeled kitchen gleams with new stainless-steel appliances, wood cabinets, and gorgeous granite countertops. A bright breakfast nook overlooks the peaceful backyard, creating a perfect spot to entertain family and friends. Both guest bedrooms are generously sized, offering a bright and airy atmosphere. The interior laundry room is illuminated by a large window, adding to the overall appeal of the home. Updates abound in this home, including NEW ROOF, new carpeting and ceramic tiles throughout, refreshed bathrooms, a newer A/C unit, new gutters, hurricane impact windows and much more. Living in the Deed Restricted Deep Creek Community provides numerous advantages, including proximity to golfing, boating, beaches, shopping, dining, and the interstate.

25. 2023-10-25
    price $339,000 1447-char remark

    Show marketing remark (1447 chars)

    Experience the Florida dream lifestyle in this charming 3-bedroom, 2-bath ranch-style home nestled on a quiet cul-de-sac in the Deed Restricted Deep Creek community. As you step through the entryway, you'll be captivated by the quality and finishes that adorn this beautifully redone home. The spacious great room boasts a breathtaking greenbelt view, (NO BACK YARD NEIGHBORS!) made even more enjoyable by the 37ft long lanai that is already wired for a hot tub. The wall of pocketing, sliding glass doors enhances the sense of space and seamlessly connects the interior with the serene outdoors. The functional galley kitchen features a pass-thru counter and an eating area, while the remodeled kitchen gleams with new stainless-steel appliances, wood cabinets, and gorgeous granite countertops. A bright breakfast nook overlooks the peaceful backyard, creating a perfect spot to entertain family and friends. Both guest bedrooms are generously sized, offering a bright and airy atmosphere. The interior laundry room is illuminated by a large window, adding to the overall appeal of the home. Updates abound in this home, including NEW ROOF, new carpeting and ceramic tiles throughout, refreshed bathrooms, a newer A/C unit, new gutters, hurricane impact windows and much more. Living in the Deed Restricted Deep Creek Community provides numerous advantages, including proximity to golfing, boating, beaches, shopping, dining, and the interstate.

26. 2023-10-09
    price $349,000 1447-char remark

    Show marketing remark (1447 chars)

    Experience the Florida dream lifestyle in this charming 3-bedroom, 2-bath ranch-style home nestled on a quiet cul-de-sac in the Deed Restricted Deep Creek community. As you step through the entryway, you'll be captivated by the quality and finishes that adorn this beautifully redone home. The spacious great room boasts a breathtaking greenbelt view, (NO BACK YARD NEIGHBORS!) made even more enjoyable by the 37ft long lanai that is already wired for a hot tub. The wall of pocketing, sliding glass doors enhances the sense of space and seamlessly connects the interior with the serene outdoors. The functional galley kitchen features a pass-thru counter and an eating area, while the remodeled kitchen gleams with new stainless-steel appliances, wood cabinets, and gorgeous granite countertops. A bright breakfast nook overlooks the peaceful backyard, creating a perfect spot to entertain family and friends. Both guest bedrooms are generously sized, offering a bright and airy atmosphere. The interior laundry room is illuminated by a large window, adding to the overall appeal of the home. Updates abound in this home, including NEW ROOF, new carpeting and ceramic tiles throughout, refreshed bathrooms, a newer A/C unit, new gutters, hurricane impact windows and much more. Living in the Deed Restricted Deep Creek Community provides numerous advantages, including proximity to golfing, boating, beaches, shopping, dining, and the interstate.

27. 2023-10-02
    listed $369,000 Active 1447-char remark

    Show marketing remark (1447 chars)

    Experience the Florida dream lifestyle in this charming 3-bedroom, 2-bath ranch-style home nestled on a quiet cul-de-sac in the Deed Restricted Deep Creek community. As you step through the entryway, you'll be captivated by the quality and finishes that adorn this beautifully redone home. The spacious great room boasts a breathtaking greenbelt view, (NO BACK YARD NEIGHBORS!) made even more enjoyable by the 37ft long lanai that is already wired for a hot tub. The wall of pocketing, sliding glass doors enhances the sense of space and seamlessly connects the interior with the serene outdoors. The functional galley kitchen features a pass-thru counter and an eating area, while the remodeled kitchen gleams with new stainless-steel appliances, wood cabinets, and gorgeous granite countertops. A bright breakfast nook overlooks the peaceful backyard, creating a perfect spot to entertain family and friends. Both guest bedrooms are generously sized, offering a bright and airy atmosphere. The interior laundry room is illuminated by a large window, adding to the overall appeal of the home. Updates abound in this home, including NEW ROOF, new carpeting and ceramic tiles throughout, refreshed bathrooms, a newer A/C unit, new gutters, hurricane impact windows and much more. Living in the Deed Restricted Deep Creek Community provides numerous advantages, including proximity to golfing, boating, beaches, shopping, dining, and the interstate.

28. 2019-08-02
    soldstatus $200,000 Sold 929-char remark

    Show marketing remark (929 chars)

    This spectacular Deep Creek Cutie has been redone! Move right into a Florida dream lifestyle. This open floor plan 3-bedroom 2 bath home gives attention to detail. From the moment you walk through the entryway you will be amazed at the quality and the finishes of this home with new carpeting and ceramic tiles throughout. The remodeled kitchen has new stainless-steel appliances, wood cabinets, granite countertops and a breakfast nook overlooking the peaceful backyard. It is a great place to entertain family and friends. Both guest bedrooms are nicely sized as well as bright and airy. The large Lanai is what you come to Florida for. Bathrooms have been redone, A/C is one year old and there are new gutters and much, much more. Living in the Deed Restricted Deep Creek Community has many advantages. You are not far from golfing, boating, beaches, shopping, dining and the interstate. Do not miss this Florida dream home.

29. 2019-08-02
    soldstatus $200,000

    Show marketing remark (929 chars)

    This spectacular Deep Creek Cutie has been redone! Move right into a Florida dream lifestyle. This open floor plan 3-bedroom 2 bath home gives attention to detail. From the moment you walk through the entryway you will be amazed at the quality and the finishes of this home with new carpeting and ceramic tiles throughout. The remodeled kitchen has new stainless-steel appliances, wood cabinets, granite countertops and a breakfast nook overlooking the peaceful backyard. It is a great place to entertain family and friends. Both guest bedrooms are nicely sized as well as bright and airy. The large Lanai is what you come to Florida for. Bathrooms have been redone, A/C is one year old and there are new gutters and much, much more. Living in the Deed Restricted Deep Creek Community has many advantages. You are not far from golfing, boating, beaches, shopping, dining and the interstate. Do not miss this Florida dream home.

30. 2019-07-02
    status Pending 929-char remark

    Show marketing remark (929 chars)

    This spectacular Deep Creek Cutie has been redone! Move right into a Florida dream lifestyle. This open floor plan 3-bedroom 2 bath home gives attention to detail. From the moment you walk through the entryway you will be amazed at the quality and the finishes of this home with new carpeting and ceramic tiles throughout. The remodeled kitchen has new stainless-steel appliances, wood cabinets, granite countertops and a breakfast nook overlooking the peaceful backyard. It is a great place to entertain family and friends. Both guest bedrooms are nicely sized as well as bright and airy. The large Lanai is what you come to Florida for. Bathrooms have been redone, A/C is one year old and there are new gutters and much, much more. Living in the Deed Restricted Deep Creek Community has many advantages. You are not far from golfing, boating, beaches, shopping, dining and the interstate. Do not miss this Florida dream home.

31. 2019-06-12
    price $209,000 929-char remark

    Show marketing remark (929 chars)

    This spectacular Deep Creek Cutie has been redone! Move right into a Florida dream lifestyle. This open floor plan 3-bedroom 2 bath home gives attention to detail. From the moment you walk through the entryway you will be amazed at the quality and the finishes of this home with new carpeting and ceramic tiles throughout. The remodeled kitchen has new stainless-steel appliances, wood cabinets, granite countertops and a breakfast nook overlooking the peaceful backyard. It is a great place to entertain family and friends. Both guest bedrooms are nicely sized as well as bright and airy. The large Lanai is what you come to Florida for. Bathrooms have been redone, A/C is one year old and there are new gutters and much, much more. Living in the Deed Restricted Deep Creek Community has many advantages. You are not far from golfing, boating, beaches, shopping, dining and the interstate. Do not miss this Florida dream home.

32. 2019-06-04
    listed $229,000 Active 929-char remark

    Show marketing remark (929 chars)

    This spectacular Deep Creek Cutie has been redone! Move right into a Florida dream lifestyle. This open floor plan 3-bedroom 2 bath home gives attention to detail. From the moment you walk through the entryway you will be amazed at the quality and the finishes of this home with new carpeting and ceramic tiles throughout. The remodeled kitchen has new stainless-steel appliances, wood cabinets, granite countertops and a breakfast nook overlooking the peaceful backyard. It is a great place to entertain family and friends. Both guest bedrooms are nicely sized as well as bright and airy. The large Lanai is what you come to Florida for. Bathrooms have been redone, A/C is one year old and there are new gutters and much, much more. Living in the Deed Restricted Deep Creek Community has many advantages. You are not far from golfing, boating, beaches, shopping, dining and the interstate. Do not miss this Florida dream home.

33. 2018-07-03
    soldstatus $170,000
34. 2018-06-29
    soldstatus $170,000 Sold
35. 2018-06-06
    status Pending
36. 2018-04-30
    price $179,900
37. 2018-04-03
    listed $189,900 Active
38. 2006-12-11
    soldstatus $178,000
39. 2006-12-11
    soldstatus $178,000
40. 2006-10-20
    listed $189,900
41. 2005-12-19
    listed $199,900
42. 1993-06-08
    soldstatus $77,600
43. 1981-06-01
    soldstatus $85,800

ⓘ 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: $4,495 · $375/mo
• Projected year-2 tax: $4,495 · $375/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 5/10 Major FEMA zone X (unshaded) · 50% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $32,864
• − Mortgage interest: −$17,869
• − Property taxes: −$4,495
• − Insurance: −$1,595
• − Repairs & maintenance: −$2,629
• − Management: −$2,629
• − HOA: −$204
• − Depreciation: −$9,280
• Taxable loss: −$5,837
• Est. tax savings @ 24.0%: +$1,401
• After-tax cash flow: $995/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: Charlotte
• NCES district ID: 1200240
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 54% ▼ -1.00%
• Median HH income: $44,864
• Composite: 45.62/100
• National rank: #2586
• State rank: #22 of 73 in FL

Livability — Harbour Heights

• Score: 64/100
• State rank: #684
• US rank: #14202

Category grades

Amenities F Commute F Cost of living B Crime A+ Employment B Housing A+ Health & safety D- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Charlotte County · 196,994 people
• Metro: Punta Gorda, FL
• Population (ZIP): 18,471
• Household income: $71,856
• Rent vs Own: 20.3% rent · 79.7% own
• Severe rent burden: 342.0

Population outlook (Charlotte County) Hauer SSP2

• Today (2025): 198,646 people
• By 2030: 210,507 · +6.0%
• By 2040: 230,857 · +16.2%
• By 2050: 247,148 · +24.4%
• By 2075: 281,777 · +41.8%
• By 2100: 293,609 · +47.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 9% Black 9% Two or more races 6% Asian 1%
• Hispanic origin (detail): Puerto Rican 3% Cuban 2%
• Common ancestry: Romanian 4% Lithuanian 3% Italian 2%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 92% English-only · Spanish 4% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Charlotte

• 2024 margin: Solid R (+34.0) · D 32.7% · R 66.7%
• 2008→2024 swing: -26.7pp toward R · 2008: -7.2pp · 2024: -34.0pp
• All cycles: 2024: R+34.0 2020: R+26.6 2016: R+27.8 2012: R+14.3 2008: R+7.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -18.76%
• Current HPI: 346.0116
• Rent YoY: ▼ -2.57%
• Metro: Punta Gorda, 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

+271.8% since first listed

27 events — show timeline

• 2026-05-11 Price Changed $319,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-24 Price Changed $324,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Price Changed $335,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-19 Listed $340,000 Stellar MLS as Distributed by MLS Grid
• 2023-12-15 Sold (Public Records) $315,000 Public Records
• 2023-12-11 Sold (MLS) $315,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-11-03 Price Changed $329,000 Stellar MLS as Distributed by MLS Grid
• 2023-10-25 Price Changed $339,000 Stellar MLS as Distributed by MLS Grid
• 2023-10-09 Price Changed $349,000 Stellar MLS as Distributed by MLS Grid
• 2023-10-02 Listed $369,000 Stellar MLS as Distributed by MLS Grid
• 2019-08-02 Sold (Public Records) $200,000 Public Records
• 2019-08-02 Sold (MLS) $200,000 Stellar MLS as Distributed by MLS Grid
• 2019-07-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-06-12 Price Changed $209,000 Stellar MLS as Distributed by MLS Grid
• 2019-06-04 Listed $229,000 Stellar MLS as Distributed by MLS Grid
• 2018-07-03 Sold (Public Records) $170,000 Public Records
• 2018-06-29 Sold (MLS) $170,000 Stellar MLS as Distributed by MLS Grid
• 2018-06-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-04-30 Price Changed $179,900 Stellar MLS as Distributed by MLS Grid
• 2018-04-03 Listed $189,900 Stellar MLS as Distributed by MLS Grid
• 2006-12-11 Sold (Public Records) $178,000 Public Records
• 2006-12-11 Sold (MLS) $178,000 Stellar MLS as Distributed by MLS Grid
• 2006-10-20 Listed $189,900 Stellar MLS as Distributed by MLS Grid
• 2005-12-19 Listed $199,900 Stellar MLS as Distributed by MLS Grid
• 1993-06-08 Sold (Public Records) $77,600 Public Records
• 1981-06-01 Sold (Public Records) $85,800 Public Records

Property tax history

+8.0%/yr

Latest (2025): $4,495 · -7.5% YoY. Source: county tax records.