324 Calle Liana · Englewood, FL 34224

$174,900

3 bd · 2.0 ba · 420 sqft · Manufactured public records · 101 Days on market

Built 1965 7,797 sqft lot

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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 +19.0/30.0
• ARV discount +7.5/15.0
• DSCR +6.0/10.0
• Schools +4.6/10.0
• 1% rule +4.3/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

2 Bridges to the bay in this boating community right in Englewood. Close to everything. .. . 55/older Park. This home is very open and bright. Newer roof, lanai, and tiedowns in 2004. Newer Berber, vinly, and A. C. `s. Also a beautiful whirlpool jetted tubby Standard for your soaking pleasure. You have to come inside to appriciate this home. .. Call today!!!

Key facts

• New exterior doors
• Custom shutters
• Florida room

Tags

• ENGINEERED SMART SIDING
• UPGRADED WINDOWS
• NEW EXTERIOR DOORS
• CUSTOM DOWNSPOUTS
• CUSTOM SHUTTERS
• FLORIDA ROOM

Property features AI

Finance

• Other: Located in MHC zoning; Homestead exempt; Lot approximately 0.18 acres (69 x 113); Living area reported as 1,200 sq ft; building area reported as 1,972 sq ft; Total acreage: less than 1/4 acre
• HOA & community: Has HOA (annual fees; no fee requirement listed); Pets allowed with number limit

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected
• Home design: Residential mobile home; Single wide; One story; Facing north
• Construction: Wood siding; Metal roof
• Exterior features: Exterior lighting; Other exterior features; Paved road access

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile; Concrete; Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Ductless heating; Wall or window air conditioning units
• Interior features: Ceiling fans; Other interior features
• Laundry & utility: Dedicated laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $175k.

Deal economics

• At list price, monthly cash flow is $-245 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $132k (24.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $162k (7.4% below list).
• Recommended offer: $132k (24.8% below list) — sets the bar for cash-flow.
• Cap rate 7.5% vs local median 3.8% in Englewood — 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 73/100 on livability (#321 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A, health & safety A; Watch: employment C-, amenities F, commute F.
• 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: Lemon Bay High School (math 50% / reading 56%, grade C-, #148 of 667 statewide, top 23%, 1,360 students, 28% FRL) — zoned schools average 28% FRL vs 54% district-wide (25 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents soft (-0.1%/yr); 734 active listings in the ZIP; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 34% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• 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 101 days — a 9% lower offer ($159k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 20y ago; this cycle's ask has dropped $20k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $100k; list at $175k implies a 75% gain — meaningful room to come down on a strong offer.

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→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $131,561 (24.8% 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 101 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are A-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?
8. 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?
9. 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.
10. 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.
11. 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: 0.93% ✗
• Cap rate: 7.54%
• Cash-on-cash: 4.44%
• DSCR: 1.20
• GRM: 9.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -31.0%
• Equity multiple: 0.01×
• Total profit: $-48,495
• Equity at exit: $26,078

10-year hold

• IRR: -62.7%
• Equity multiple: -0.63×
• Total profit: $-79,806
• Equity at exit: $15,122

Cash invested: $48,972 (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.

Methodology + full state rankings →

ZIP-level market 34224

• Home prices YoY: -18.9%
• Rents YoY: -0.1%
• Active inventory: 734
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,620 medium
• Mortgage (P&I): −$917
• Tax from tax record: −$108 /mo · $1,301/yr
• Insurance: −$73
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$340
• Net cashflow: $-245

Break-even live

Break-even rent $1,930

Max offer price $131,561

Occupancy floor —

Sensitivity live

Price	-10% $-146	-5% $-196	+0% $-245	+5% $-295	+10% $-344
Rent	-10% $-373	-5% $-309	+0% $-245	+5% $-181	+10% $-117
Rate	-1.0pp $-157	-0.5pp $-201	base $-245	+0.5pp $-291	+1.0pp $-337

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: $43,725
• Closing costs: $5,247
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-18
   days on market $174,900 Active 101 DOM
2. 2026-06-17
   days on market $174,900 Active 100 DOM
3. 2026-06-16
   days on market $174,900 Active 99 DOM
4. 2026-06-15
   days on market $174,900 Active 98 DOM
5. 2026-06-14
   days on market $174,900 Active 96 DOM
6. 2026-06-13
   days on market $174,900 Active 95 DOM
7. 2026-06-10
   days on market $174,900 Active 93 DOM
8. 2026-06-09
   days on market $174,900 Active 92 DOM
9. 2026-06-08
   days on market $174,900 Active 91 DOM
10. 2026-06-07
    days on market $174,900 Active 90 DOM
11. 2026-06-05
    days on market $174,900 Active 87 DOM
12. 2026-06-03
    days on market $174,900 Active 86 DOM
13. 2026-06-02
    days on market $174,900 Active 85 DOM
14. 2026-06-01
    days on market $174,900 Active 84 DOM
15. 2026-05-31
    days on market $174,900 Active 83 DOM
16. 2026-05-30
    days on market $174,900 Active 82 DOM
17. 2026-04-14
    price $174,900
18. 2026-03-09
    listed $194,900 Active
19. 2023-07-05
    soldstatus $100,000
20. 2006-12-20
    soldstatus $46,000 361-char remark

    Show marketing remark (437 chars)

    Great home in a Great boating community right in downtown Englewood. This home is open and bright. Hurricane Charlie gave them a new roof, new lanai, new tie downs in 2004. There are also 3 newer A/C s, dish washer, Berber carpet, vinyl. For a bonus there is a Whirlpool jetted tub by Standard for you to relax in. You must see this home to appriciate. Call today for an appointment. This home is being sold As Is with right to inspect.

21. 2006-12-20
    soldstatus $46,000 437-char remark

    Show marketing remark (437 chars)

    Great home in a Great boating community right in downtown Englewood. This home is open and bright. Hurricane Charlie gave them a new roof, new lanai, new tie downs in 2004. There are also 3 newer A/C s, dish washer, Berber carpet, vinyl. For a bonus there is a Whirlpool jetted tub by Standard for you to relax in. You must see this home to appriciate. Call today for an appointment. This home is being sold As Is with right to inspect.

22. 2006-06-14
    listed $69,700 361-char remark

    Show marketing remark (437 chars)

    Great home in a Great boating community right in downtown Englewood. This home is open and bright. Hurricane Charlie gave them a new roof, new lanai, new tie downs in 2004. There are also 3 newer A/C s, dish washer, Berber carpet, vinyl. For a bonus there is a Whirlpool jetted tub by Standard for you to relax in. You must see this home to appriciate. Call today for an appointment. This home is being sold As Is with right to inspect.

23. 2006-06-14
    listed $69,700 437-char remark

    Show marketing remark (437 chars)

    Great home in a Great boating community right in downtown Englewood. This home is open and bright. Hurricane Charlie gave them a new roof, new lanai, new tie downs in 2004. There are also 3 newer A/C s, dish washer, Berber carpet, vinyl. For a bonus there is a Whirlpool jetted tub by Standard for you to relax in. You must see this home to appriciate. Call today for an appointment. This home is being sold As Is with right to inspect.

24. 2002-05-21
    soldstatus $40,000
25. 1994-07-05
    soldstatus $31,500

ⓘ 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: $1,301 · $108/mo
• Projected year-2 tax: $1,452 · $121/mo
• Expected delta: +$150/yr (+$13/mo · 11.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 97% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,439
• − Mortgage interest: −$9,797
• − Property taxes: −$1,301
• − Insurance: −$5,993
• − Repairs & maintenance: −$1,555
• − Management: −$1,555
• − Depreciation: −$5,088
• Taxable loss: −$5,851
• Est. tax savings @ 24.0%: +$1,404
• After-tax cash flow: $-1,540/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 — Englewood

• Score: 73/100
• State rank: #321
• US rank: #5655

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Englewood, FL
• County: Charlotte County · 196,994 people
• City population: 35,420
• Metro: Punta Gorda, FL
• Population (ZIP): 15,536
• Household income: $57,281
• Rent vs Own: 17.8% rent · 82.2% own
• Severe rent burden: 329.0

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 (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 3% Asian 1%
• Common ancestry: Romanian 4% Slovak 4% Lithuanian 4%
• Foreign-born: 9% · Canada
• Languages at home: 92% English-only · Other Indo-European 2% Spanish 2% German/W. Germanic 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: ▼ -75.76%
• Current HPI: 325.0345
• Rent YoY: ▼ -0.11%
• 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

+455.2% since first listed

9 events — show timeline

• 2026-04-14 Price Changed $174,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-09 Listed $194,900 Stellar MLS as Distributed by MLS Grid
• 2023-07-05 Sold (Public Records) $100,000 Public Records
• 2006-12-20 Sold (MLS) $46,000 Stellar MLS as Distributed by MLS Grid
• 2006-12-20 Sold (MLS) $46,000 Stellar MLS as Distributed by MLS Grid
• 2006-06-14 Listed $69,700 Stellar MLS as Distributed by MLS Grid
• 2006-06-14 Listed $69,700 Stellar MLS as Distributed by MLS Grid
• 2002-05-21 Sold (Public Records) $40,000 Public Records
• 1994-07-05 Sold (Public Records) $31,500 Public Records

Property tax history

+3.3%/yr

Latest (2025): $1,301 · -38.3% YoY. Source: county tax records.