14 Peridot Ave Unit 14PT · Winding Cypress, FL 34114

$169,900

2 bd · 2.5 ba · 1,476 sqft · Manufactured · 119 Days on market

Built 1987 Good condition $167/mo HOA · 5% of rent ↓ 15% since listing

---

Why this score? — see what drove the B+ 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• Appreciation +4.3/10.0
• Condition / age +3.8/5.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0

Listing remarks

PRICED TO SELL IMMEDIATELY! ONE OF A KIND BEAUTIFULLY UPDATED AND METICULOUSLY MAINTAINED ABSOLUTELY TURNKEY THIS HOME IS 100% MOVE IN READY WITH NOTHING TO DO BUT ENJOY YOUR CAREFREE LIFESTYLE. THIS PROPERTY OFFERS TWO BEDROOMS AND 2 1/2 BATHS WITH A SPACIOUS FAMILYROOM AND SEPERATE ENTERANCE. CAN BE EASILY BE TRANSFORMED INTO A THREE BEDROOM AND SELLER IS WILLING TO DO THE RENOVATION UNDER CERTAIN TERMS AND CONDITIONS! THE GORGEOUS AND COMFORTABLE HOME FEATURES UPDATED STAINLESS APPLIANCES, 6 YEAR OLD HVAC, GRANITE COUNTERTOPS, WOOD FLOORS, WAINSCOTING, APPEALING UPGRADED BATHROOMS AND IS FULLY FURNISHED AND TURNKEY. YOU WILL NOT FIND ANOTHER HOME LIKE THIS ONE. ESC IS CENTRALLY LOCATED T

Key facts

• Wainscoting
• Wood floors
• 6 year old hvac

Tags

• UPDATED STAINLESS APPLIANCES
• 6 YEAR OLD HVAC
• GRANITE COUNTERTOPS
• WOOD FLOORS
• WAINSCOTING
• UPGRADED BATHROOMS

Property features AI

Finance

• Other: Community type: Boating and Mobile/Manufactured
• Financial info: Property is part of a multi-unit community (365 units in complex); Total annual recurring HOA fees listed as $2,000; Total one-time fees listed as $320
• HOA & community: Mandatory HOA; Quarterly HOA fee ($500) — $2,000 total annual recurring fees; One-time fees totaling $320; On-site management; HOA maintains laundry facilities, lawn/land maintenance, sewer, water, street maintenance, street lights, trash removal, repairs, reserves, legal/accounting, manager, recreation facilities; Community amenities: clubhouse, community pool, tennis, pickleball, shuffleboard, bocce court, basketball, fishing pier, community boat ramp and dock, community gulf boat access, boat storage, fish cleaning station, vehicle wash area, BBQ/picnic area, billiards, hobby room, library, extra storage, underground utilities, streetlight

Exterior

• Parking: Covered paved parking; Attached 2-car carport
• Security: Smoke detector
• Utilities: Central water; Central sewer; Electric service (central); Cable available
• Home design: Manufactured residential home; 1 story / ranch; Rear exposure facing south
• Construction: Built in 1987; Manufactured construction; Vinyl siding exterior; Shingle roof; Foundation information not provided
• Exterior features: Patio; Shutters (manual); Landscaped area view; Zero lot line

Interior

• Kitchen: Double oven; Range; Microwave; Self-cleaning oven; Refrigerator/Freezer
• Bedrooms: 2 bedrooms; Primary/one bedroom on the first floor
• Flooring: Wood flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom; Master bath with shower only
• Heating & cooling: Central electric heat; Central electric air conditioning; Ceiling fans
• Interior features: Built-in cabinets; Pantry; Volume ceilings; Corner/zero door sliders; Formal dining area; Den/study; Family room; Laundry in residence; Workshop; Turnkey (furnished); 3 ceiling fans
• Laundry & utility: Washer; Dryer; Laundry facilities maintained by HOA (common laundry)

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath manufactured listed at $170k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $909 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $170k).
• Recommended offer: $155k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — 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.
• Market conditions: Rents rising (+3.2%/yr); 900 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $3,388/mo this rent would consume 46% of the median local household income ($89k/yr) (locally 550% 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 $1k of loan paydown is wiped out by about $3k 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.
• At projected returns (-1.5% appreciation + 3.2% rent growth), your $48k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 119 days — a 9% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $30k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $154,609 (9.0% below list)

Questions for the listing agent

1. It's been on market 119 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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.
7. 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.
8. 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: 1.99% ✓
• Cap rate: 15.72%
• Cash-on-cash: 33.68%
• DSCR: 2.50
• GRM: 4.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.48% appreciation · 3.21% rent growth · sell at horizon

5-year hold

• IRR: 20.0%
• Equity multiple: 1.89×
• Total profit: $42,565
• Equity at exit: $37,125

10-year hold

• IRR: 26.4%
• Equity multiple: 3.66×
• Total profit: $126,392
• Equity at exit: $35,762

Cash invested: $47,572 (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 34114

• Home prices YoY: -0.6%
• Rents YoY: 3.2%
• Active inventory: 900
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $3,388 high
• Mortgage (P&I): −$891
• Tax est. 1.5%: −$212 /mo · $2,548/yr
• Insurance: −$71
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$167
• Vacancy / Maint / Mgmt: −$711
• Net cashflow: $909

Break-even live

Break-even rent $2,238

Max offer price $169,900

Occupancy floor 68%

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
274 Riverwood Rd Unit 1546056P Naples, FL	2.0	2.0	1496	$4,451	$2.98	14d	1	0.17mi
1276 Enbrook Loop Naples, FL	2.0	2.0	1503	$5,000	$3.33	23d	1	0.19mi
1171 Tranquil Brook Dr Naples, FL	2.0	2.0	1503	$4,500	$2.99	14d	1	0.23mi
1212 Enbrook Loop Naples, FL	2.0	2.0	1496	$2,850	$1.91	23d	1	0.28mi
1747 Beverly Dr Naples, FL	2.0	2.0	1080	$2,300	$2.13	23d	1	0.29mi
1157 Enbrook Loop Naples, FL	2.0	2.0	1503	$3,000	$2.00	23d	1	0.38mi
1078 Rolling Brook Ln Naples, FL	2.0	2.0	1503	$2,750	$1.83	21d	1	0.38mi
1022 Manatee Rd Unit D107 Naples, FL	2.0	2.0	1000	$2,000	$2.00	23d	1	0.40mi
842 Enbrook Loop Naples, FL	2.0	2.0	1503	$2,800	$1.86	23d	1	0.43mi
1014 Manatee Rd Unit F307 Naples, FL	2.0	2.0	900	$1,800	$2.00	23d	1	0.44mi
847 Enbrook Loop Naples, FL	2.0	2.0	1503	$2,950	$1.96	23d	1	0.45mi
1010 Manatee Rd Unit B304 Naples, FL	2.0	2.0	1000	$1,800	$1.80	23d	1	0.46mi
2000 Rookery Bay Dr Naples, FL	1.0–3.0	1.0–2.0	929	$1,772	$1.91	23d	9	0.48mi
1000 Manatee Rd Unit A201 Naples, FL	2.0	2.0	1000	$1,695	$1.70	23d	1	0.49mi
158 Rookery Rd Naples, FL	3.0	2.0	1456	$2,450	$1.68	23d	1	0.50mi
2235 Yellowfin Cir Naples, FL	2.0	2.0	1500	$2,795	$1.86	23d	1	0.67mi
2244 Yellowfin Cir Naples, FL	3.0	2.0	1655	$3,300	$1.99	14d	1	0.70mi
6680 Beach Resort Dr Unit 1214 Naples, FL	2.0	2.0	1351	$4,500	$3.33	14d	1	0.82mi
6750 Beach Resort Dr Naples, FL	2.0	2.0	1351	$3,200	$2.37	14d	2	0.83mi
6750 Beach Resort Dr #7 Naples, FL	2.0	2.0	1351	$3,900	$2.89	23d	1	0.83mi
6650 Beach Resort Dr Unit 908 Naples, FL	2.0	2.0	1351	$4,600	$3.40	14d	1	0.93mi
6590 Beach Resort Dr Unit 305 Naples, FL	2.0	2.0	1351	$4,500	$3.33	14d	1	1.11mi
22 Cypress View Dr Unit B22 Naples, FL	2.0	2.0	1534	$7,000	$4.56	23d	1	1.17mi
3955 Deer Crossing Ct #103 Naples, FL	3.0	2.0	1812	$7,500	$4.14	23d	1	1.20mi
4685 Hawks Nest Way #103 Naples, FL	2.0	2.0	1440	$6,500	$4.51	14d	1	1.20mi
4529 Cardinal Cove Ln #7 Naples, FL	2.0	2.0	1539	$6,500	$4.22	23d	1	1.23mi
7052 Live Oak Dr Naples, FL	2.0	2.0	1685	$9,000	$5.34	23d	1	1.25mi
4680 Hawks Nest Way Unit D-103 Naples, FL	2.0	2.0	1414	$3,000	$2.12	14d	1	1.25mi
14214 Manchester Dr Naples, FL	3.0	2.0	1560	$2,700	$1.73	21d	1	1.31mi
14214 Manchester Dr Naples, FL	3.0	2.0	1560	$2,800	$1.79	23d	1	1.31mi
4650 Hawks Nest Way Unit M202 Naples, FL	3.0	2.0	1840	$9,600	$5.22	14d	1	1.32mi
1414 Oceania Dr S Naples, FL	3.0	2.0	1572	$5,000	$3.18	23d	1	1.40mi
7567 Winding Cypress Dr Naples, FL	3.0	2.0	1805	$11,500	$6.37	23d	1	1.40mi
7674 Jacaranda Ln Naples, FL	2.0	2.0	1554	$3,800	$2.45	23d	1	1.42mi
7662 Jacaranda Ln Naples, FL	2.0	2.0	1555	$3,500	$2.25	14d	1	1.43mi
7631 Jacaranda Ln Naples, FL	2.0	2.0	1542	$7,000	$4.54	23d	1	1.44mi
14103 Nautica Ct Naples, FL	3.0	2.5	1850	$3,650	$1.97	23d	1	1.45mi
9175 Celeste Dr Unit 105 Naples, FL	2.0	2.0	1000	$2,000	$2.00	23d	1	1.45mi
9187 Celeste Dr Unit 1073494P Naples, FL	2.0	2.0	1399	$2,979	$2.13	14d	1	1.46mi
1367 Artesia Dr E #302 Naples, FL	2.0	2.5	1583	$2,800	$1.77	23d	1	1.48mi

HOA detail

• Monthly dues: $167 · $2,004/yr

Listing history 12 events

1. 2026-06-18
   days on market $169,900 Active 119 DOM
2. 2026-06-17
   days on market $169,900 Active 118 DOM
3. 2026-06-16
   days on market $169,900 Active 117 DOM
4. 2026-06-15
   days on market $169,900 Active 116 DOM
5. 2026-06-14
   days on market $169,900 Active 114 DOM
6. 2026-06-10
   days on market $169,900 Active 111 DOM
7. 2026-06-09
   days on market $169,900 Active 110 DOM
8. 2026-06-08
   days on market $169,900 Active 109 DOM
9. 2026-06-07
   days on market $169,900 Active 108 DOM
10. 2026-06-03
    days on market $169,900 Active 104 DOM
11. 2026-06-03
    remarks 699-char remark
12. 2026-06-03
    listed $169,900 Active 103 DOM

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

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 · 29 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

Taxation est. · year 1

• Rental income: $40,654
• − Mortgage interest: −$9,517
• − Property taxes: −$2,548
• − Insurance: −$5,968
• − Repairs & maintenance: −$3,252
• − Management: −$3,252
• − HOA: −$2,004
• − Depreciation: −$4,943
• Taxable income: $9,170
• Est. tax owed @ 24.0%: −$2,201
• After-tax cash flow: $8,704/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 · 13 photos

Good 75/100 Cosmetic rehab

This beautifully updated and meticulously maintained home is move-in ready with no major repairs needed. Fresh paint and modern lighting can further enhance its curb appeal and interior aesthetics.

Value-add opportunities

• Resale Paint fresh coat — Fresh paint enhances curb appeal and interior aesthetics
• Resale Replace outdated light fixtures — Modern lighting can significantly improve the home's curb appeal and interior ambiance
• Both Upgrade flooring in bathrooms — Replacing dated flooring with something more modern and durable can increase both resale and rental value

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint fresh coat — Fresh paint enhances curb appeal and interior aesthetics ↑
• Resale Replace outdated light fixtures — Modern lighting can significantly improve the home's curb appeal and interior ambiance ↑
• Both Upgrade flooring in bathrooms — Replacing dated flooring with something more modern and durable can increase both resale and rental value ↑

ⓘ 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: 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 — Winding Cypress

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

Census & demographics

• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 23,559
• Household income: $89,334
• Rent vs Own: 15.3% rent · 84.7% own
• Severe rent burden: 550.0

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: 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
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-15.0% since first listed

4 events — show timeline

• 2026-05-08 Relisted — NAPLESMLS
• 2026-04-26 Pending — NAPLESMLS
• 2026-03-19 Price Changed $169,900 NAPLESMLS
• 2026-02-07 Listed $199,900 NAPLESMLS