5114 Genoa St · Ave Maria, FL 34142

$459,000

3 bd · 2.5 ba · 1,929 sqft · SingleFamily public records · 89 Days on market

Built 2017 8,712 sqft lot $184/mo HOA · 5% 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 +10.8/30.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• Appreciation +4.5/10.0
• 1% rule +3.7/10.0
• Rent growth +3.2/5.0
• DSCR +3.1/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Welcome home to 5114 Genoa St in Ave Maria, featuring the popular Almanor floor plan. This well-appointed single-story home offers 3 bedrooms, 2.5 bathrooms, a 2-car garage, and 1,929 sq. ft. of living space, ideally situated on a premium corner lot. Designed for comfortable living and entertaining, the home showcases soaring 12-foot ceilings, abundant natural light, large-format tile flooring throughout the home, crown molding, and plantation shutters. The spacious kitchen is the centerpiece of the home, complete with upgraded cabinetry with crown/valance detail, thick quartz countertops, subway style backsplash, and enhanced recessed lighting. The primary suite offers a relaxing retreat w

Key facts

• Premium corner lot
• Upgraded cabinetry
• 8,712 sq ft lot

Tags

• PREMIUM CORNER LOT
• UPGRADED CABINETRY
• THICK QUARTZ COUNTERTOPS
• SUBWAY STYLE BACKSPLASH
• ENHANCED RECESSED LIGHTING
• OVERSIZED WALK-IN CLOSET

Property features AI

Finance

• Other: Development: Ave Maria (Maple Ridge subdivision); Deeded restrictions: No commercial, No RV
• HOA & community: Mandatory HOA (Non-gated community); HOA fee $116.55 monthly; Master HOA fee $203 quarterly; One-time other fee $250; Total annual recurring fees $2,216; Total one-time fees $560; Professional management with manager-maintained common areas; Community amenities include: clubhouse, community pool, fitness center (attended), exercise room, sauna, community room, community park, dog park, playground, basketball, tennis, pickleball, volleyball, bike & jog path, sidewalks, streetlights, BBQ/picnic area, billiards, hobby room, shopping, restaurant, beauty salon, underground utilities

Exterior

• Parking: Attached 2-car garage; Paved driveway and paved parking (2+ spaces)
• Security: Impact resistant windows and doors
• Utilities: Central water; Central sewer; Electric service
• Home design: Single-family residential; 1 story / ranch; Rear exposure facing southeast; Corner lot
• Construction: Built in 2017; Concrete block, metal frame, and wood frame construction; Stucco exterior finish; Tile roof
• Exterior features: Patio; Automatic sprinkler system (reclaimed irrigation)

Interior

• Kitchen: Pantry; Breakfast bar; Eat-in kitchen / dining (living) layout; Cooktop - electric; Self-cleaning oven; Dishwasher; Microwave; Refrigerator / icemaker; Disposal
• Bedrooms: 3 bedrooms; First-floor bedroom; Master bedroom on ground level; Split bedroom floor plan
• Flooring: Tile flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom; Master bath with dual sinks, separate tub and shower
• Heating & cooling: Central electric heat; Central electric cooling
• Interior features: Cable prewire; Foyer; Laundry tub; Pantry; Smoke detectors; Volume ceiling; Walk-in closet; Window coverings; Great room; Open porch/lanai; Guest room; Guest bath
• Laundry & utility: Washer and dryer included; Laundry in residence

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $459k.

Deal economics

• At list price, monthly cash flow is $-358 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $396k (13.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $400k (12.9% below list).
• Recommended offer: $396k (13.8% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• 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: Estates Elementary School (math 70% / reading 67%, grade B+, #409 of 2,144 statewide, top 20%, 862 students, 53% FRL); Corkscrew Middle School (math 68% / reading 59%, grade B+, #109 of 571 statewide, top 19%, 958 students, 43% FRL); Palmetto Ridge High School (math 43% / reading 51%, grade D-, #207 of 667 statewide, top 32%, 2,347 students, 38% FRL).
• Market conditions: Rents rising (+3.0%/yr); 453 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $4,000/mo this rent would consume 77% of the median local household income ($62k/yr) (locally 1093% 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 (-1.1%/yr); year-one equity from $3k of loan paydown is wiped out by about $5k 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 89 days — a 6% lower offer ($431k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask is 18260% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: flood insurance adds $152/mo.
• Climate carrying-cost: in FEMA flood zone AH (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $395,734 (13.8% 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 89 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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: 0.87% ✗
• Cap rate: 5.75%
• Cash-on-cash: -1.92%
• DSCR: 0.91
• GRM: 9.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.05% appreciation · 2.95% rent growth · sell at horizon

5-year hold

• IRR: -10.6%
• Equity multiple: 0.55×
• Total profit: $-58,296
• Equity at exit: $109,736

10-year hold

• IRR: -3.7%
• Equity multiple: 0.66×
• Total profit: $-43,490
• Equity at exit: $114,328

Cash invested: $128,520 (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 34142

• Home prices YoY: -0.5%
• Rents YoY: 3.0%
• Active inventory: 453
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $4,000 high
• Mortgage (P&I): −$2,407
• Tax from tax record: −$583 /mo · $7,001/yr
• Insurance: −$191
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$184
• Vacancy / Maint / Mgmt: −$840
• Net cashflow: $-358

Break-even live

Break-even rent $4,453

Max offer price $395,734

Occupancy floor —

Sensitivity live

Price	-10% $-98	-5% $-228	+0% $-358	+5% $-488	+10% $-618
Rent	-10% $-674	-5% $-516	+0% $-358	+5% $-200	+10% $-42
Rate	-1.0pp $-127	-0.5pp $-241	base $-358	+0.5pp $-477	+1.0pp $-598

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: $114,750
• Closing costs: $13,770
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5104 Salerno St Ave Maria, FL	4.0	3.0	2341	$5,595	$2.39	25d	1	0.12mi
5032 Arancia Ln Ave Maria, FL	3.0	2.0	1525	$2,595	$1.70	15d	1	0.17mi
5285 Marano Dr Ave Maria, FL	3.0	2.5	2256	$2,600	$1.15	25d	1	0.28mi
5293 Marano Dr Ave Maria, FL	3.0	2.5	2256	$3,400	$1.51	23d	1	0.29mi
5013 Florence Dr Ave Maria, FL	3.0	2.5	2256	$2,900	$1.29	25d	1	0.31mi
5077 Gambero Way Ave Maria, FL	4.0	3.0	2256	$3,950	$1.75	25d	1	0.33mi
5065 Gambero Way Ave Maria, FL	4.0	3.0	2557	$3,250	$1.27	23d	1	0.36mi
5265 Messina St Ave Maria, FL	3.0	2.5	1929	$4,995	$2.59	25d	1	0.37mi
5039 Frattina St Ave Maria, FL	3.0	3.0	2341	$5,995	$2.56	25d	1	0.38mi
5322 Nevola Ave Ave Maria, FL	3.0	3.0	1918	$2,700	$1.41	15d	1	0.47mi
4546 Battlecreek Way Ave Maria, FL	3.0	2.5	2104	$3,900	$1.85	25d	1	0.52mi
4919 Frattina St Ave Maria, FL	4.0	3.0	2350	$3,300	$1.40	25d	1	0.56mi
5089 Penella Ave Ave Maria, FL	3.0	2.5	2028	$2,300	$1.13	15d	1	0.56mi
5187 Nevola Ave Ave Maria, FL	3.0	2.5	1680	$2,700	$1.61	23d	1	0.56mi
5374 Ferris Ave Ave Maria, FL	3.0	2.5	1933	$2,350	$1.22	25d	1	0.57mi
5376 Fancourt Links Way Ave Maria, FL	2.0	2.5	1850	$6,850	$3.70	23d	1	0.57mi
4843 Frattina St Ave Maria, FL	4.0	3.0	2588	$3,300	$1.28	25d	1	0.58mi
4925 Gambero Way Ave Maria, FL	2.0	2.0	1525	$4,000	$2.62	25d	1	0.62mi
4881 Gambero Way Ave Maria, FL	3.0	2.5	2037	$2,800	$1.37	12d	1	0.62mi
5114 Penella Ave Ave Maria, FL	4.0	3.0	2599	$3,195	$1.23	23d	1	0.63mi
4957 Gambero Way Unit 4957 Ave Maria, FL	4.0	3.0	1500	$3,400	$2.27	13d	1	0.63mi
5538 Useppa Dr Ave Maria, FL	2.0	2.5	1850	$10,995	$5.94	25d	1	0.65mi
5412 Fancourt Links Way Ave Maria, FL	4.0	3.0	2247	$8,000	$3.56	23d	1	0.66mi
5522 Hampton Links Ct Ave Maria, FL	2.0	2.5	1850	$3,995	$2.16	25d	1	0.66mi
5068 Annunciation Cir #4201 Ave Maria, FL	2.0	2.0	1266	$3,400	$2.69	25d	1	0.66mi
5435 Pikewood Ct Ave Maria, FL	2.0	2.5	1850	$3,695	$2.00	23d	1	0.66mi
5080 Annunciation Cir #1306 Ave Maria, FL	3.0	2.0	1700	$4,500	$2.65	25d	1	0.68mi
5545 Hampton Links Ct Ave Maria, FL	4.0	3.0	2247	$8,500	$3.78	25d	1	0.68mi
5545 Hampton Links Ct #5545 Ave Maria, FL	4.0	3.0	2400	$9,000	$3.75	25d	1	0.68mi
5538 Hampton Links Ct Ave Maria, FL	3.0	3.0	2247	$6,295	$2.80	23d	1	0.69mi
5428 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$7,895	$3.51	23d	1	0.69mi
5444 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$3,995	$1.78	23d	1	0.73mi
5120 Nevola Ave Ave Maria, FL	4.0	3.0	2273	$3,500	$1.54	13d	1	0.73mi
5515 Whistling Straights Ct Ave Maria, FL	3.0	2.5	2419	$6,500	$2.69	23d	1	0.73mi
5527 Double Eagle Cir Unit 3838 Ave Maria, FL	3.0	2.0	1301	$2,295	$1.76	25d	1	0.77mi
5583 Double Eagle Cir Ave Maria, FL	2.0	2.0	1239	$2,495	$2.01	25d	1	0.79mi
5555 Double Eagle Cir #3918 Ave Maria, FL	3.0	2.0	1301	$5,995	$4.61	25d	1	0.79mi
5445 Double Eagle Cir Ave Maria, FL	2.0	2.0	1355	$2,995	$2.21	25d	1	0.79mi
5427 Double Eagle Cir #2822 Ave Maria, FL	2.0	2.0	1355	$5,795	$4.28	25d	1	0.79mi
5427 Double Eagle Cir #2825 Ave Maria, FL	2.0	2.0	1355	$6,295	$4.65	25d	1	0.79mi

HOA detail

• Monthly dues: $184 · $2,208/yr

Listing history 14 events

1. 2026-06-15
   days on market $459,000 Active 89 DOM
2. 2026-06-14
   days on market $459,000 Active 87 DOM
3. 2026-06-10
   days on market $459,000 Active 84 DOM
4. 2026-06-09
   days on market $459,000 Active 83 DOM
5. 2026-06-08
   days on market $459,000 Active 82 DOM
6. 2026-06-07
   days on market $459,000 Active 81 DOM
7. 2026-06-03
   days on market $459,000 Active 77 DOM
8. 2026-06-02
   days on market $459,000 Active 76 DOM
9. 2026-06-01
   days on market $459,000 Active 75 DOM
10. 2026-05-31
    days on market $459,000 Active 74 DOM
11. 2026-05-30
    days on market $459,000 Active 73 DOM
12. 2026-03-26
    listed $2,500
13. 2026-03-18
    listed $459,000 Active
14. 2023-12-26
    soldstatus $432,500

ⓘ 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: $7,001 · $583/mo
• Projected year-2 tax: $7,001 · $583/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 1/10 Low FEMA zone AH · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 27 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $47,994
• − Mortgage interest: −$25,711
• − Property taxes: −$7,001
• − Insurance: −$4,120
• − Repairs & maintenance: −$3,840
• − Management: −$3,840
• − HOA: −$2,208
• − Depreciation: −$13,353
• Taxable loss: −$12,077
• Est. tax savings @ 24.0%: +$2,899
• After-tax cash flow: $-1,399/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: 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

Livability — Ave Maria

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Ave Maria, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 35,149
• Household income: $62,333
• Rent vs Own: 48.7% rent · 51.3% own
• Severe rent burden: 1093.0

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: Majority Hispanic (63%)
• Race & ethnicity: Hispanic / Latino 63% Two or more races 39% Black 19% White 16% Native American 7%
• Hispanic origin (detail): Mexican 43% Puerto Rican 3% Cuban 2% Dominican 1%
• Common ancestry: Hispanic 8% Slovak 1% Serbian 1%
• Foreign-born: 32% · Canada, Jamaica
• Languages at home: 34% English-only · Spanish 53% French/Haitian/Cajun 12%

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: ▼ -1.05%
• Current HPI: 226.9105
• Rent YoY: ▲ 2.95%
• 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
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-99.4% since first listed

3 events — show timeline

• 2026-03-26 Listed for Rent $2,500 NAPLESMLS
• 2026-03-18 Listed $459,000 NAPLESMLS
• 2023-12-26 Sold (Public Records) $432,500 Public Records

Property tax history

+13.1%/yr

Latest (2025): $7,001 · +6.1% YoY. Source: county tax records.