15234 Tolmino St · Naples, FL
Flood risk 9/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 30 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
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 +16.0/30.0
- ARV discount +13.7/15.0
- DSCR +4.9/10.0
- Schools +4.9/10.0
- 1% rule +4.8/10.0
- Appreciation +4.3/10.0
- Livability +4.0/5.0
- Condition / age +4.0/5.0
- Rent growth +3.3/5.0
$649,900
15234 Tolmino St · Naples, FL 34114
3 bd · 2.0 ba · 1,950 sqft · SingleFamily
public records
· 127 Days on market
Built 2022
7,405 sqft lot
2-car garage
$333/sqft
· 14% below area
Est $755k · 14% under
$457/mo HOA · 7% of rent
↓ 12% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Welcome to the Esplanade by the Islands, a newer Naples community known for its location and lifestyle appeal. This 3-bedroom+Den, twin villa in Naples under $650K offers 1,905 square feet of thoughtfully designed living space and is being sold furnished, making it an ideal move-in ready option for full-time residents or seasonal buyers. The open-concept layout connects the living, dining, and kitchen areas, creating an easy flow for everyday living and entertaining. A versatile den provides space for a home office, guest room, or flex use. Built in 2022, the home features modern finishes and newer systems, Impact Windows and doors for added peace of mind.
Key facts
- Versatile den
- 2-car garage
- Near naples beaches
Tags
Neighborhood map
Sold within
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 3-bed/2.0-bath single-family listed at $650k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-104 ($-1k/yr) — negative.
- To cash-flow at today's rent, offer at most $632k (2.8% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $639k (1.7% below list).
- Recommended offer: $572k (12.0% below list) — sets the bar for market timing.
- Cap rate 6.9% vs local median 2.4% in Naples — 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 80/100 on livability (#126 in FL, #1,903 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, employment A+; Watch: commute D+, cost of living F.
- Collier (suburban): math 60% / reading 56% proficiency, ranked #16 of 73 in FL (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Manatee Elementary School (math 58% / reading 51%, grade C, #892 of 2,144 statewide, top 44%, 584 students, 73% FRL); Manatee Middle School (math 61% / reading 43%, grade C+, #217 of 571 statewide, top 40%, 749 students, 64% FRL); Lely High School (math 40% / reading 39%, grade F, #304 of 667 statewide, top 47%, 1,504 students, 54% FRL).
- Market conditions: Rents rising (+3.2%/yr); 986 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals lingering (median 73d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
- At $6,387/mo this rent would consume 86% of the median local household income ($89k/yr) (locally 21% 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 (-1.5%/yr); year-one equity from $4k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
- Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 127 days — a 12% lower offer ($572k) 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
- Watch-outs: flood insurance adds $427/mo.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$571,912
(12.0% below list)
Questions for the listing agent
- 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?
- It's been on market 127 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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.
- 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.
- 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
- 0.98% ✗
- Cap rate
- 6.89%
- Cash-on-cash
- 2.13%
- DSCR
- 1.09
- GRM
- 8.5
CMA / ARV
- ARV (median comp)
- $754,554
- List price
- $649,900
- Delta
- -13.87%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 15198 Tolmino St | 0.06mi | 3/2.0 | 1,950 (0%) | 2mo | $615,000 | $315 | 96 |
| 15185 Sacile St | 0.06mi | 3/2.0 | 1,950 (0%) | 5mo | $625,000 | $321 | 93 |
| 15215 Tolmino St | 0.05mi | 3/2.0 | 1,920 (-2%) | 5mo | $660,000 | $344 | 91 |
| 15159 Tolmino St | 0.14mi | 3/2.0 | 1,912 (-2%) | 5mo | $618,000 | $323 | 86 |
| 15689 Gavello St | 0.53mi | 3/2.0 | 1,905 (-2%) | 7mo | $535,000 | $281 | 66 |
| 15693 Gavello St | 0.54mi | 3/2.0 | 1,905 (-2%) | 7mo | $565,654 | $297 | 65 |
| 15685 Genova Dr | 0.58mi | 3/3.0 | 2,083 (+7%) | 1mo | $870,000 | $418 | 56 |
| 2797 Amaranda Ct | 0.67mi | 3/2.5 | 2,094 (+7%) | 2mo | $945,000 | $451 | 52 |
| 2720 Amaranda Ct | 0.55mi | 3/3.0 | 2,131 (+9%) | 4mo | $1,245,000 | $584 | 52 |
| 2703 Aviamar Cir | 0.52mi | 3/2.0 | 2,221 (+14%) | 4mo | $1,100,000 | $495 | 49 |
| 2796 Amaranda Ct | 0.66mi | 3/3.0 | 2,131 (+9%) | 5mo | $1,150,000 | $540 | 45 |
| 2740 Amaranda Ct | 0.58mi | 3/2.0 | 1,685 (-14%) | 7mo | $770,000 | $457 | 44 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-1.48% appreciation · 3.21% rent growth · sell at horizon
5-year hold
- IRR
- -8.9%
- Equity multiple
- 0.63×
- Total profit
- $-67,669
- Equity at exit
- $142,012
10-year hold
- IRR
- -1.3%
- Equity multiple
- 0.88×
- Total profit
- $-20,988
- Equity at exit
- $136,797
Cash invested: $181,972 (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.
Balanced market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 17 active · 9 under contract
- Months of supply
- 5.4 mo (19%/mo absorbed)
- Median asking
- $699,000 ($385/sqft)
- Median days on market
- 164 d
- This list price
- 29% of active listings are priced below it
- ARV vs active asking
- +0.6% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34114
- Home prices YoY
- -0.6%
- Rents YoY
- 3.2%
- Active inventory
- 986
- Price-to-rent
- 8.5×
Monthly cashflow live
↻
- Estimated rent
- $6,387 high interval (Pro) →
- Mortgage (P&I)
- −$3,408
- Tax from tax record
- −$587 /mo · $7,048/yr
- Insurance
- −$271
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$457
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$1,341
- Net cashflow
- $-104
Break-even live
Break-even rent
$6,519
Max offer price
$631,555
Occupancy floor
97%
Sensitivity live
| Price | -10% $264 | -5% $80 | +0% $-104 | +5% $-288 | +10% $-472 |
|---|---|---|---|---|---|
| Rent | -10% $-608 | -5% $-356 | +0% $-104 | +5% $148 | +10% $401 |
| Rate | -1.0pp $223 | -0.5pp $61 | base $-104 | +0.5pp $-272 | +1.0pp $-444 |
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
- $162,475
- Closing costs
- $19,497
- Club membership (one-time)
- —
- 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 35 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 15197 Sacile St Naples, FL | 3.0 | 2.0 | 1905 | $7,300 | $3.83 | 72d | 1 | 0.03mi |
| 15210 Sacile St Naples, FL | 3.0 | 2.0 | 1905 | $7,500 | $3.94 | 63d | 1 | 0.04mi |
| 15189 Sacile St Naples, FL | 3.0 | 2.0 | 1905 | $7,500 | $3.94 | 72d | 1 | 0.05mi |
| 15191 Tolmino St Naples, FL | 3.0 | 2.0 | 1950 | $9,000 | $4.62 | 72d | 1 | 0.10mi |
| 15318 Aprile St Naples, FL | 3.0 | 3.0 | 2500 | $5,020 | $2.01 | 72d | 1 | 0.12mi |
| 15158 Tolmino St Naples, FL | 2.0 | 2.0 | 1676 | $3,000 | $1.79 | 63d | 1 | 0.12mi |
| 15137 Sacile St Naples, FL | 3.0 | 2.0 | 1905 | $3,750 | $1.97 | 72d | 1 | 0.14mi |
| 15155 Tolmino St Naples, FL | 3.0 | 2.0 | 1930 | $9,000 | $4.66 | 72d | 1 | 0.16mi |
| 15257 Zeno Way #204 Naples, FL | 3.0 | 3.0 | 2183 | $3,400 | $1.56 | 63d | 1 | 0.18mi |
| 15312 Motta Way Naples, FL | 3.0 | 3.0 | 2232 | $4,250 | $1.90 | 72d | 1 | 0.18mi |
| 15111 Pescara St Naples, FL | 3.0 | 3.0 | 2413 | $15,000 | $6.22 | 70d | 1 | 0.20mi |
| 15244 Zeno Way Unit 203 Naples, FL | 3.0 | 2.5 | 2343 | $3,600 | $1.54 | 72d | 1 | 0.21mi |
| 15323 Lucerna St #204 Naples, FL | 3.0 | 3.0 | 2393 | $4,500 | $1.88 | 63d | 1 | 0.26mi |
| 15335 Lucerna St #104 Naples, FL | 2.0 | 2.5 | 1956 | $6,500 | $3.32 | 72d | 1 | 0.27mi |
| 15336 Lucerna St #104 Naples, FL | 2.0 | 2.5 | 1956 | $3,500 | $1.79 | 72d | 1 | 0.27mi |
| 15320 Lucerna St #102 Naples, FL | 2.0 | 2.0 | 1717 | $2,995 | $1.74 | 63d | 1 | 0.27mi |
| 15495 Rio Ponace Ct Naples, FL | 4.0 | 3.5 | 2465 | $17,000 | $6.90 | 72d | 1 | 0.28mi |
| 15561 Vittorio St Naples, FL | 3.0 | 2.0 | 1905 | $7,500 | $3.94 | 72d | 1 | 0.34mi |
| 15641 Gavello St Naples, FL | 3.0 | 2.0 | 1900 | $10,000 | $5.26 | 72d | 1 | 0.44mi |
| 15657 Gavello St Naples, FL | 3.0 | 2.0 | 1905 | $7,500 | $3.94 | 72d | 1 | 0.46mi |
| 2717 Callista Ct #104 Naples, FL | 3.0 | 3.0 | 2502 | $8,500 | $3.40 | 72d | 1 | 0.65mi |
| 15804 Derna St Naples, FL | 3.0 | 3.0 | 2337 | $15,000 | $6.42 | 72d | 1 | 0.68mi |
| 2710 Callista Ct #104 Naples, FL | 3.0 | 3.0 | 2502 | $9,000 | $3.60 | 72d | 1 | 0.70mi |
| 2713 Callista Ct #103 Naples, FL | 3.0 | 3.0 | 2237 | $6,999 | $3.13 | 72d | 1 | 0.71mi |
| 3290 Dorado Ln Unit 1-102 Naples, FL | 3.0 | 3.5 | 2600 | $10,000 | $3.85 | 72d | 1 | 0.76mi |
| 3290 Dorado Ln #102 Naples, FL | 3.0 | 3.5 | 2600 | $5,530 | $2.13 | 63d | 1 | 0.76mi |
| 2850 Aviamar Cir Naples, FL | 3.0 | 2.0 | 2246 | $12,000 | $5.34 | 72d | 1 | 0.79mi |
| 3031 Marengo Ct Unit 203 Naples, FL | 3.0 | 3.0 | 2200 | $3,500 | $1.59 | 63d | 1 | 1.15mi |
| 3149 Aviamar Cir #101 Naples, FL | 3.0 | 2.0 | 1890 | $7,500 | $3.97 | 63d | 1 | 1.17mi |
| 130 Grassy Key Ln #37 Naples, FL | 3.0 | 2.0 | 1248 | $1,795 | $1.44 | 63d | 1 | 1.24mi |
| 130 Grassy Key Ln Naples, FL | 3.0 | 2.0 | 1248 | $1,850 | $1.48 | 63d | 1 | 1.24mi |
| 9104 Cherry Oaks Trl Naples, FL | 3.0 | 2.0 | 1876 | $5,000 | $2.67 | 72d | 1 | 1.26mi |
| 9142 Cherry Oaks Ln #102 Naples, FL | 3.0 | 2.0 | 2408 | $3,000 | $1.25 | 63d | 1 | 1.40mi |
| 14796 Canton Ct Naples, FL | 3.0 | 2.0 | 1677 | $7,000 | $4.17 | 72d | 1 | 1.42mi |
| 9630 Campanile Cir Naples, FL | 3.0 | 3.0 | 2283 | $15,000 | $6.57 | 72d | 1 | 1.50mi |
Property features AI
Finance
- Other
- Property is one unit per floor in a complex of 77 unitsSingle-floor building (1 floor)
- Financial info
- Total annual recurring community fees applicableTotal one-time community fees applicable
- HOA & community
- Mandatory HOAQuarterly master HOA feeMaster HOA fee applies (quarterly)One-time mandatory club feeProfessional managementHOA maintains lawn/landscaping, exterior pest control, street maintenance, street lights, sewer, water, trash removal, internet/WiFi access, concierge service, and recreation facilitiesCommunity amenities include clubhouse, community pool, community spa/hot tub, fitness center (attended), full service spa, tennis, pickleball, bocce, basketball, bike and jog paths, bike storage, dog park, cabana, business center, restaurant, beauty salon, billiards, shopping, sidewalks, and underground utilities
Exterior
- Parking
- Attached 2-car garagePaved driveway parking
- Security
- Security systemGated community with guard at gate
- Utilities
- Central waterCentral sewerNatural gas availableCable available
- Home design
- Single-family residence1 story / ranchCorner lotRear exposure faces northeastBuilt in 2022Part of the Esplanade by the Islands development
- Construction
- Concrete block construction
- Exterior features
- Stucco exteriorTile roofDouble-hung windowsImpact-resistant doors and windowsGated community with guarded gateLandscaped viewCentral irrigationPublic road accessRegular lot
Interior
- Kitchen
- IslandPantryGas availableGas cooktopDouble ovenSelf-cleaning ovenMicrowaveRangeDishwasherDisposalRefrigerator/freezerRefrigerator/icemaker
- Bedrooms
- 3 bedrooms plus denMaster bedroom on ground floorFirst-floor bedroomSplit bedroom floor plan
- Flooring
- Vinyl flooringWood flooring
- Bathrooms
- 2 full bathroomsMaster bath with shower (no tub)
- Heating & cooling
- Central electric heatCentral electric cooling3 ceiling fans
- Interior features
- Built-in cabinetsCable prewireFoyerHigh-speed internet availableLaundry tubPantrySmoke detectorsTray ceilingDen/StudyScreened lanai/porch10 total roomsFurnished
- Laundry & utility
- Washer and dryer includedWasher/dryer hookupDryerLaundry in residenceWater treatment system (owned)Auto garage doorSecurity system
Listing history 50 events
-
2026-08-08days on market $649,900 Active 127 DOM
-
2026-08-07days on market $649,900 Active 126 DOM
-
2026-08-06days on market $649,900 Active 125 DOM
-
2026-08-05days on market $649,900 Active 124 DOM
-
2026-08-04days on market $649,900 Active 123 DOM
-
2026-08-03days on market $649,900 Active 122 DOM
-
2026-07-31days on market $649,900 Active 119 DOM
-
2026-07-30days on market $649,900 Active 118 DOM
-
2026-07-29days on market $649,900 Active 117 DOM
-
2026-07-27days on market $649,900 Active 115 DOM
-
2026-07-25days on market $649,900 Active 113 DOM
-
2026-07-24days on market $649,900 Active 112 DOM
-
2026-07-23days on market $649,900 Active 111 DOM
-
2026-07-22days on market $649,900 Active 110 DOM
-
2026-07-22days on market $649,900 Active 109 DOM
-
2026-07-18days on market $649,900 Active 106 DOM
-
2026-07-16days on market $649,900 Active 104 DOM
-
2026-07-16days on market $649,900 Active 103 DOM
-
2026-07-14days on market $649,900 Active 102 DOM
-
2026-07-14days on market $649,900 Active 101 DOM
-
2026-07-12days on market $649,900 Active 100 DOM
-
2026-07-11days on market $649,900 Active 99 DOM
-
2026-07-10days on market $649,900 Active 98 DOM
-
2026-07-09days on market $649,900 Active 97 DOM
-
2026-07-08days on market $649,900 Active 96 DOM
-
2026-07-07days on market $649,900 Active 95 DOM
-
2026-07-06days on market $649,900 Active 94 DOM
-
2026-07-05days on market $649,900 Active 93 DOM
-
2026-07-04days on market $649,900 Active 92 DOM
-
2026-07-03days on market $649,900 Active 91 DOM
-
2026-07-02days on market $649,900 Active 90 DOM
-
2026-07-01days on market $649,900 Active 89 DOM
-
2026-06-30days on market $649,900 Active 88 DOM
-
2026-06-29days on market $649,900 Active 87 DOM
-
2026-06-28days on market $649,900 Active 86 DOM
-
2026-06-28days on market $649,900 Active 85 DOM
-
2026-06-27days on market $649,900 Active 84 DOM
-
2026-06-25days on market $649,900 Active 82 DOM
-
2026-06-23days on market $649,900 Active 80 DOM
-
2026-06-21days on market $649,900 Active 79 DOM
-
2026-06-18days on market $649,900 Active 76 DOM
-
2026-06-17days on market $649,900 Active 75 DOM
-
2026-06-16days on market $649,900 Active 74 DOM
-
2026-06-15days on market $649,900 Active 73 DOM
-
2026-06-14days on market $649,900 Active 71 DOM
-
2026-06-10days on market $649,900 Active 68 DOM
-
2026-06-09days on market $649,900 Active 67 DOM
-
2026-06-08days on market $649,900 Active 66 DOM
-
2026-06-07days on market $649,900 Active 65 DOM
-
2026-06-03days on market $649,900 Active 61 DOM
ⓘ 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
- $7,048 · $587/mo
- Projected year-2 tax
- $7,048 · $587/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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 10/10 Extreme 7 d/yr ≥108°F today · 30 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $76,648
- − Mortgage interest
- −$36,405
- − Property taxes
- −$7,048
- − Insurance
- −$8,368
- − Repairs & maintenance
- −$6,132
- − Management
- −$6,132
- − HOA
- −$5,484
- − Depreciation
- −$18,906
- Taxable loss
- −$11,827
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$2,838
- After-tax cash flow
- $1,592/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 · 12 photos
80/100
None rehab
This move-in ready home in Esplanade by the Islands offers modern finishes and newer systems, making it an ideal option for full-time residents or seasonal buyers.
Value-add opportunities
- Both Paint exterior — Enhances curb appeal and value ↑
- Both Replace outdoor furniture — Freshens up the outdoor living space ↑
- Both Upgrade kitchen appliances — Modernizes the kitchen and adds value ↑
F
Composite school gradezoned avg 49/100
Zoned Schools
Elementary
Manatee Elementary School
C
FL #892/2,144
Nat'l #9,801/41,679
Middle
Manatee Middle School
C+
FL #217/571
Nat'l #3,033/14,009
High
Lely High School
F
FL #304/667
Nat'l #8,293/17,239
Schools (NCES district)
- District
- Collier
- NCES district ID
- 1200330
- Math proficiency
- 60% ▼ -4.00%
- Reading proficiency
- 56% ▼ -2.00%
- Median HH income
- $58,275
- Composite
- 50.23/100
- National rank
- #1892
- State rank
- #16 of 73 in FL
A
Composite livability gradescore 80/100
Livability — Naples
- Score
- 80/100
- State rank
- #126
- US rank
- #1903
Category grades
Amenities A+
Commute D+
Cost of living F
Crime A+
Employment A+
Housing C+
Health & safety A+
User ratings C+
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Collier County · 420,858 people
- City population
- 344,941
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 23,559
- Household income
- $89,334
- Rent vs Own
- Severe rent burden
- 21% of renters
Population outlook (Collier County) Hauer SSP2
- Today (2025)
- 420,858 people
- By 2030
- 450,054 · +6.9%
- By 2040
- 502,232 · +19.3%
- By 2050
- 544,932 · +29.5%
- By 2075
- 627,203 · +49.0%
- By 2100
- 659,015 · +56.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (72%)
- Race & ethnicity
- White 72% Hispanic / Latino 17% Two or more races 13% Black 7%
- Hispanic origin (detail)
- Mexican 7% Puerto Rican 1% Cuban 3%
- Common ancestry
- Hispanic 5% Romanian 4% Lithuanian 1%
- Foreign-born
- 21% · Canada, Jamaica
- Languages at home
- 75% English-only · Spanish 15% French/Haitian/Cajun 5% Other Indo-European 4%
Political lean MEDSL · Collier
- 2024 margin
- Solid R (+33.1) · D 33.1% · R 66.2%
- 2008→2024 swing
- -10.6pp toward R · 2008: -22.5pp · 2024: -33.1pp
- All cycles
- 2024: R+33.1 2020: R+24.7 2016: R+26.0 2012: R+30.1 2008: R+22.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -1.48%
- Current HPI
- 266.5545
- Rent YoY
- ▲ 3.21%
- Metro
- Naples-Marco Island, 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-12.1% since first listed5 events — show timeline
- 2026-04-03 Listed $649,900 NAPLESMLS
- 2025-10-01 Listing Removed — NAPLESMLS
- 2025-07-13 Price Changed $685,000 NAPLESMLS
- 2025-06-11 Price Changed $699,000 NAPLESMLS
- 2025-06-07 Listed $739,000 NAPLESMLS
Property tax history
+82.1%/yrLatest (2025): $7,048 · +23.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…