26627 Wilgrove Pl · Punta Gorda, FL 33955

$339,499

4 bd · 3.0 ba · 1,884 sqft · SingleFamily · 16 Days on market

Built 2026 Good condition Est $324k · at est.

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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 +16.9/30.0
• ARV discount +5.4/15.0
• DSCR +5.2/10.0
• 1% rule +4.6/10.0
• Schools +4.6/10.0
• Condition / age +4.0/5.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Step inside this beautifully designed 1,884 square foot single-story home with a stunning preserve view and discover a thoughtful layout made for modern living. The welcoming foyer leads to two peaceful bedrooms and a convenient hall bath, while a third bedroom is tucked just around the corner for added privacy. At the heart of the home, a contemporary kitchen shines with designer-selected cabinetry, quartz countertops, and a full suite of stainless steel appliances, all seamlessly connecting to the dining area and spacious family room. Glass sliders open to a large covered patio-perfect for outdoor entertaining. The tranquil owner's suite is privately situated in the rear corner, complete

Key facts

• Attached bathroom
• Walk-in closet
• Large covered patio

Tags

• MODERN KITCHEN
• LARGE COVERED PATIO
• TRANQUIL OWNER'S SUITE
• ATTACHED BATHROOM
• WALK-IN CLOSET

Property features AI

Finance

• Financial info: List price $339,499

Exterior

• Parking: 2-car garage (2 total parking spaces)
• Home design: Single-family home (spec construction); Plan name: Bartik
• Exterior features: Living area approximately 1,884

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 3 full bathrooms
• Interior features: Spec-built Bartik plan; Active listing

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $339k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $221 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $325k (4.3% below list).
• Recommended offer: $325k (4.3% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 2.8% in Punta Gorda — 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 76/100 on livability (#225 in FL, #3,567 nationally) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, health & safety A+; Watch: cost of living D+, amenities D-, 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.
• Market conditions: 1481 active listings in the ZIP; 9 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).
• At $3,249/mo this rent would consume 51% of the median local household income ($77k/yr) (locally 226% 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 16 days — a 2% lower offer ($334k) is reasonable based on typical stale-listing flexibility.

Recommended offer $324,918 (4.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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.
5. 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.
6. 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: 0.96% ✗
• Cap rate: 7.07%
• Cash-on-cash: 2.79%
• DSCR: 1.12
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $324,048
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13467 Turnleaf Blvd	0.22mi	4/2.5	2,103 (+12%)	1mo	$316,990	$151	68
26866 Dove Dr	0.72mi	3/3.5 (-1)	2,003 (+6%)	2mo	$459,990	$230	47
26200 Sacred Lotus Ln	0.60mi	3/2.0 (-1)	1,614 (-14%)	1mo	$277,500	$172	38

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.9%
• Equity multiple: 0.57×
• Total profit: $-40,911
• Equity at exit: $50,620

10-year hold

• IRR: -2.7%
• Equity multiple: 0.82×
• Total profit: $-17,329
• Equity at exit: $29,354

Cash invested: $95,060 (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: 8.7×

Monthly cashflow live

• Estimated rent: $3,249 medium
• Mortgage (P&I): −$1,780
• Tax est. 1.5%: −$424 /mo · $5,092/yr
• Insurance: −$141
• HOA: −$0
• Vacancy / Maint / Mgmt: −$682
• Net cashflow: $221

Break-even live

Break-even rent $2,970

Max offer price $339,499

Occupancy floor 88%

Sensitivity live

Price	-10% $455	-5% $338	+0% $221	+5% $103	+10% $-14
Rent	-10% $-36	-5% $92	+0% $221	+5% $349	+10% $477
Rate	-1.0pp $392	-0.5pp $307	base $221	+0.5pp $133	+1.0pp $43

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: $84,875
• Closing costs: $10,185
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13239 Turnleaf Blvd Punta Gorda, FL	4.0	2.5	1874	$2,300	$1.23	14d	1	0.07mi
27117 Treadmill Dr Punta Gorda, FL	5.0	3.0	2300	$3,500	$1.52	21d	1	0.52mi
25228 Longmeadow Dr Punta Gorda, FL	4.0	2.0	2251	$9,500	$4.22	21d	1	1.28mi
25199 Longmeadow Dr Punta Gorda, FL	3.0	3.0	2445	$9,500	$3.89	21d	1	1.32mi
13263 Valrico Ter Punta Gorda, FL	3.0	2.0	1628	$1,500	$0.92	21d	1	1.38mi
25115 Longmeadow Dr Punta Gorda, FL	4.0	2.0	2245	$8,500	$3.79	21d	1	1.42mi
25078 Golden Fern Dr Punta Gorda, FL	4.0	3.0	2477	$13,000	$5.25	21d	1	1.43mi
25222 Keygrass Ct Punta Gorda, FL	4.0	3.0	2247	$5,000	$2.23	21d	1	1.44mi
25191 Keygrass Ct Punta Gorda, FL	4.0	2.5	2572	$8,500	$3.30	21d	1	1.49mi

Listing history 13 events

1. 2026-06-18
   days on market $339,499 Active 16 DOM
2. 2026-06-17
   days on market $339,499 Active 15 DOM
3. 2026-06-16
   days on market $339,499 Active 14 DOM
4. 2026-06-15
   days on market $339,499 Active 13 DOM
5. 2026-06-14
   days on market $339,499 Active 11 DOM
6. 2026-06-13
   remarks 699-char remark
7. 2026-06-13
   days on market $339,499 Active 10 DOM
8. 2026-06-10
   days on market $339,499 Active 8 DOM
9. 2026-06-09
   days on market $339,499 Active 7 DOM
10. 2026-06-08
    days on market $339,499 Active 6 DOM
11. 2026-06-05
    days on market $339,499 Active 2 DOM
12. 2026-06-03
    remarks 444-char remark
13. 2026-06-03
    listed $339,499 Active 1 DOM

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

Taxation est. · year 1

• Rental income: $38,990
• − Mortgage interest: −$19,017
• − Property taxes: −$5,092
• − Insurance: −$1,697
• − Repairs & maintenance: −$3,119
• − Management: −$3,119
• − Depreciation: −$9,876
• Taxable loss: −$2,932
• Est. tax savings @ 24.0%: +$704
• After-tax cash flow: $3,351/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

Good 80/100 None rehab

This single-story home is in excellent condition with a modern design and well-maintained exterior. It offers a spacious layout with a kitchen, two bathrooms, and a large covered patio. The home is move-in ready and has the potential for further value increases through minor updates.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics
• Both Updating the flooring in the bathrooms — Replacing old tile with a more modern material can improve both resale and rental value
• Both Upgrading the kitchen appliances — Modernizing the kitchen can attract more buyers and renters
• Both Adding smart home features — Smart home technology can increase the home's appeal and value
• Both Landscaping improvements — Enhancing the landscaping can improve curb appeal and attract more buyers

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics ↑
• Both Updating the flooring in the bathrooms — Replacing old tile with a more modern material can improve both resale and rental value ↑
• Both Upgrading the kitchen appliances — Modernizing the kitchen can attract more buyers and renters ↑
• Both Adding smart home features — Smart home technology can increase the home's appeal and value ↑
• Both Landscaping improvements — Enhancing the landscaping can improve curb appeal and attract more buyers ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Punta Gorda

• Score: 76/100
• State rank: #225
• US rank: #3567

Category grades

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