25408 Jubal St · Burnt Store Marina, FL 33955

$339,900

3 bd · 2.0 ba · 2,066 sqft · Land · 413 Days on market

Built 2026 0.25 ac lot $19/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 +12.8/30.0
• ARV discount +7.5/15.0
• Schools +4.6/10.0
• DSCR +3.8/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful double lot in deed restricted Burnt Store Village offers the perfect setting to build your dream home. This spacious South facing lot has a greenbelt in the rear and both sides of the property along with city water and sewer. Centrally located in the community with easy access to the residential park that boast a paved walking path around the large lake with a waterfront gazebo. Conveniently located close to downtown Punta Gorda and Cape Coral for all your dining, shopping and entertainment needs and only 15 min to Punta Gorda Airport.

Key facts

• Covered front porch
• Master suite
• Walk-in closet

Tags

• COVERED FRONT PORCH
• SPACIOUS KITCHEN
• LARGE ISLAND
• FLEX ROOM
• MASTER SUITE
• WALK-IN CLOSET

Property features AI

Finance

• Financial info: Total monthly fees reported $19; total annual fees reported $228; Lease restrictions apply
• HOA & community: HOA required — Care Of Maronda Homes; Monthly HOA fee $19 (required); association approval required; Pets allowed

Exterior

• Parking: Driveway; Attached garage with garage door opener; 3-car garage
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Cable available; Electric power
• Home design: Single family residence; One story; South-facing; Completed new construction; Builder: Maronda Homes (Melody C model)
• Construction: Block and stucco construction; Shingle and other roof; Slab foundation; New construction (projected completion May 5, 2026)
• Exterior features: Covered front and rear porches; Hurricane shutters; Landscaped lot; Paved road access

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Open floorplan; Thermostat; Walk-in closets; Blinds; ENERGY STAR qualified windows; Insulated windows; Smoke detector(s)
• Laundry & utility: Laundry room with washer and electric dryer hookups; Inside utility; Irrigation equipment

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $340k.

Deal economics

• At list price, monthly cash flow is $-29 ($-348/yr) — negative.
• To cash-flow at today's rent, offer at most $335k (1.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $250k (26.6% below list).
• Recommended offer: $250k (26.6% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 4.8% in Burnt Store Marina — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 72/100 on livability (#354 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: cost of living 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: East Elementary School (math 67% / reading 68%, grade B+, #435 of 2,144 statewide, top 21%, 761 students, 52% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
• Market conditions: 1481 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 39% of the median local income ($77k/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 $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 413 days — a 12% lower offer ($299k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 17y ago; this cycle's ask has dropped $40k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→31/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $249,544 (26.6% 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 413 days. Have you received any prior offers? Is the seller open to a 27% 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: 0.73% ✗
• Cap rate: 6.19%
• Cash-on-cash: -0.37%
• DSCR: 0.98
• GRM: 11.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -17.0%
• Equity multiple: 0.40×
• Total profit: $-57,101
• Equity at exit: $50,680

10-year hold

• IRR: -9.0%
• Equity multiple: 0.45×
• Total profit: $-52,817
• Equity at exit: $29,388

Cash invested: $95,172 (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 33955

• Home prices YoY: -24.5%
• Active inventory: 1481
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $2,495 high
• Mortgage (P&I): −$1,782
• Tax from tax record: −$57 /mo · $687/yr
• Insurance: −$142
• HOA: −$19
• Vacancy / Maint / Mgmt: −$524
• Net cashflow: $-29

Break-even live

Break-even rent $2,532

Max offer price $334,780

Occupancy floor 96%

Sensitivity live

Price	-10% $163	-5% $67	+0% $-29	+5% $-514	+10% $-631
Rent	-10% $-226	-5% $-128	+0% $-29	+5% $70	+10% $168
Rate	-1.0pp $142	-0.5pp $57	base $-29	+0.5pp $-117	+1.0pp $-207

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: $84,975
• Closing costs: $10,197
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
16195 Maya Cir Punta Gorda, FL	4.0	2.0	2077	$2,495	$1.20	14d	1	0.24mi
25222 Cadiz Dr Punta Gorda, FL	4.0	2.0	1828	$2,295	$1.26	22d	1	0.32mi
25214 Cadiz Dr Punta Gorda, FL	4.0	2.0	1828	$2,295	$1.26	22d	1	0.33mi
25904 Prada Dr Punta Gorda, FL	3.0	2.0	1950	$2,111	$1.08	14d	1	0.33mi
25377 Doredo Dr Punta Gorda, FL	4.0	3.0	2092	$2,300	$1.10	22d	1	0.33mi
25186 Alicante Dr Punta Gorda, FL	4.0	2.0	1717	$2,095	$1.22	22d	1	0.56mi
16107 Badalona Dr Punta Gorda, FL	3.0	2.0	1508	$1,895	$1.26	22d	1	0.63mi
16077 Badalona Dr Punta Gorda, FL	3.0	2.0	1508	$1,895	$1.26	22d	1	0.66mi
16229 Cape Horn Blvd Punta Gorda, FL	3.0	2.0	1726	$2,749	$1.59	22d	1	0.87mi
24378 Belize Ct Punta Gorda, FL	4.0	2.5	2251	$6,750	$3.00	22d	1	0.99mi
14040 Heritage Landing Blvd #113 Punta Gorda, FL	2.0	2.0	1438	$6,500	$4.52	22d	1	1.43mi
14267 Heritage Landing Blvd #1222 Punta Gorda, FL	2.0	2.0	1569	$4,200	$2.68	22d	1	1.48mi

HOA detail

• Monthly dues: $19 · $228/yr
• Likely covers: watersewer

Listing history 31 events

1. 2026-05-04
   status Pending
2. 2026-04-24
   price $339,900
3. 2025-05-28
   soldstatus $377,214
4. 2025-03-17
   listed $379,900 Active
5. 2024-10-16
   soldstatus $100,000
6. 2024-10-14
   soldstatus $100,000 Closed 551-char remark

   Show marketing remark (551 chars)

   Beautiful double lot in deed restricted Burnt Store Village offers the perfect setting to build your dream home. This spacious South facing lot has a greenbelt in the rear and both sides of the property along with city water and sewer. Centrally located in the community with easy access to the residential park that boast a paved walking path around the large lake with a waterfront gazebo. Conveniently located close to downtown Punta Gorda and Cape Coral for all your dining, shopping and entertainment needs and only 15 min to Punta Gorda Airport.

7. 2024-10-14
   soldstatus $100,000 Closed

   Show marketing remark (551 chars)

   Beautiful double lot in deed restricted Burnt Store Village offers the perfect setting to build your dream home. This spacious South facing lot has a greenbelt in the rear and both sides of the property along with city water and sewer. Centrally located in the community with easy access to the residential park that boast a paved walking path around the large lake with a waterfront gazebo. Conveniently located close to downtown Punta Gorda and Cape Coral for all your dining, shopping and entertainment needs and only 15 min to Punta Gorda Airport.

8. 2024-09-12
   status Pending 551-char remark

   Show marketing remark (551 chars)

   Beautiful double lot in deed restricted Burnt Store Village offers the perfect setting to build your dream home. This spacious South facing lot has a greenbelt in the rear and both sides of the property along with city water and sewer. Centrally located in the community with easy access to the residential park that boast a paved walking path around the large lake with a waterfront gazebo. Conveniently located close to downtown Punta Gorda and Cape Coral for all your dining, shopping and entertainment needs and only 15 min to Punta Gorda Airport.

9. 2024-09-12
   status Pending

   Show marketing remark (551 chars)

   Beautiful double lot in deed restricted Burnt Store Village offers the perfect setting to build your dream home. This spacious South facing lot has a greenbelt in the rear and both sides of the property along with city water and sewer. Centrally located in the community with easy access to the residential park that boast a paved walking path around the large lake with a waterfront gazebo. Conveniently located close to downtown Punta Gorda and Cape Coral for all your dining, shopping and entertainment needs and only 15 min to Punta Gorda Airport.

10. 2024-08-19
    listed $110,000 Active 551-char remark

    Show marketing remark (551 chars)

    Beautiful double lot in deed restricted Burnt Store Village offers the perfect setting to build your dream home. This spacious South facing lot has a greenbelt in the rear and both sides of the property along with city water and sewer. Centrally located in the community with easy access to the residential park that boast a paved walking path around the large lake with a waterfront gazebo. Conveniently located close to downtown Punta Gorda and Cape Coral for all your dining, shopping and entertainment needs and only 15 min to Punta Gorda Airport.

11. 2024-08-19
    listed $110,000 Active

    Show marketing remark (551 chars)

    Beautiful double lot in deed restricted Burnt Store Village offers the perfect setting to build your dream home. This spacious South facing lot has a greenbelt in the rear and both sides of the property along with city water and sewer. Centrally located in the community with easy access to the residential park that boast a paved walking path around the large lake with a waterfront gazebo. Conveniently located close to downtown Punta Gorda and Cape Coral for all your dining, shopping and entertainment needs and only 15 min to Punta Gorda Airport.

12. 2020-10-22
    soldstatus $26,000
13. 2020-09-18
    soldstatus $26,000 Sold
14. 2020-09-18
    soldstatus $26,000 Closed
15. 2020-09-02
    status Pending
16. 2020-08-28
    status Pending
17. 2020-07-21
    listed $33,500 Active
18. 2020-03-21
    listed $33,500 Active
19. 2020-03-19
    historical
20. 2019-11-05
    status Active
21. 2019-10-24
    historical
22. 2019-08-05
    price $33,500
23. 2019-03-20
    price $38,500
24. 2018-03-19
    listed $42,500 Active
25. 2016-01-19
    soldstatus $10,000 Sold
26. 2016-01-04
    status Pending
27. 2015-04-09
    status Active
28. 2015-04-08
    status Pending
29. 2015-03-26
    listed $10,500 Active
30. 2009-01-30
    listed $49,000
31. 2004-05-25
    soldstatus $56,000

ⓘ 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: $687 · $57/mo
• Projected year-2 tax: $2,821 · $235/mo
• Expected delta: +$2,134/yr (+$178/mo · 310.4%)

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone D · 13% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 31 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,945
• − Mortgage interest: −$19,040
• − Property taxes: −$687
• − Insurance: −$1,700
• − Repairs & maintenance: −$2,396
• − Management: −$2,396
• − HOA: −$228
• − Depreciation: −$9,888
• Taxable loss: −$6,389
• Est. tax savings @ 24.0%: +$1,533
• After-tax cash flow: $1,185/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 — Burnt Store Marina

• Score: 72/100
• State rank: #354
• US rank: #6145

Category grades

Amenities F Commute F Cost of living C- Crime A+ Employment A+ 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
• City population: 68,831
• Metro: Punta Gorda, FL
• Population (ZIP): 12,399
• Household income: $76,943
• Rent vs Own: 9.5% rent · 90.5% own
• Severe rent burden: 226.0

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 (84%)
• Race & ethnicity: White 84% Hispanic / Latino 10% Two or more races 9% Black 2%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2% Cuban 4%
• Common ancestry: Romanian 5% Italian 3% Serbian 3%
• Foreign-born: 8% · Canada
• Languages at home: 91% English-only · Spanish 5% Other Indo-European 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: ▼ -78.71%
• Current HPI: 242.9043
• Rent YoY: —
• 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

+507.0% since first listed

31 events — show timeline

• 2026-05-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-24 Price Changed $339,900 Stellar MLS as Distributed by MLS Grid
• 2025-05-28 Sold (Public Records) $377,214 Public Records
• 2025-03-17 Listed $379,900 Stellar MLS as Distributed by MLS Grid
• 2024-10-16 Sold (Public Records) $100,000 Public Records
• 2024-10-14 Sold (MLS) $100,000 FORTMLS
• 2024-10-14 Sold (MLS) $100,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-09-12 Pending — FORTMLS
• 2024-08-19 Listed $110,000 FORTMLS
• 2024-08-19 Listed $110,000 Stellar MLS as Distributed by MLS Grid
• 2020-10-22 Sold (Public Records) $26,000 Public Records
• 2020-09-18 Sold (MLS) $26,000 FORTMLS
• 2020-09-18 Sold (MLS) $26,000 Stellar MLS as Distributed by MLS Grid
• 2020-09-02 Pending — FORTMLS
• 2020-08-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-07-21 Listed $33,500 Stellar MLS as Distributed by MLS Grid
• 2020-03-21 Listed $33,500 FORTMLS
• 2020-03-19 Listing Removed — FORTMLS
• 2019-11-05 Relisted — FORTMLS
• 2019-10-24 Listing Removed — FORTMLS
• 2019-08-05 Price Changed $33,500 FORTMLS
• 2019-03-20 Price Changed $38,500 FORTMLS
• 2018-03-19 Listed $42,500 FORTMLS
• 2016-01-19 Sold (MLS) $10,000 Stellar MLS as Distributed by MLS Grid
• 2016-01-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-04-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2015-04-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-03-26 Listed $10,500 Stellar MLS as Distributed by MLS Grid
• 2009-01-30 Listed $49,000 Stellar MLS as Distributed by MLS Grid
• 2004-05-25 Sold (Public Records) $56,000 Public Records

Property tax history

+0.8%/yr

Latest (2025): $687 · -23.0% YoY. Source: county tax records.