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1765 Loralin Dr
A- Composite 80.3
Why this score? — see what drove the A- 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
  • ARV discount +13.9/15.0
  • DSCR +10.0/10.0
  • 1% rule +8.7/10.0
  • Schools +5.6/10.0
  • Rent growth +4.8/5.0
  • Condition / age +3.8/5.0
  • Livability +3.7/5.0
  • Appreciation +0.0/10.0

$237,599

1765 Loralin Dr · Englewood, FL 34223
2 bd · 2.0 ba · 1,490 sqft · SingleFamily public records · 188 Days on market
Built 1974 Good condition 8,925 sqft lot 2-car garage $159/sqft · 14% below area Est $277k · 14% under $4/mo HOA

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This immaculately clean, turn-key furnished 2 bedroom/2 bathroom home is ready for you to enjoy the Florida lifestyle. Talk about a perfect location; this home is just a few minutes’ drive or bike ride to Englewood beaches. This fantastic location is super close to boating, biking, restaurants, shopping, fitness centers, and all of the charms of Englewood. The comfortable home has a nice open split bedroom floor plan offering plenty of space for guests while offering everyone the utmost in privacy. There is new wood look laminate flooring throughout and central vacuum system to clean those new floors. The large open area combines the living and dining room for a modern look and feel. There is also a spacious Florida room that could be used as a family room or den. The master bedroom has plenty of room for a king sized bed and it provides a large walk-in closet. The 2nd bedroom is basically a 2nd master suite and has its own private bathroom which is accessible to the garage for convenience of guests. This wonderful home also has a lanai to enjoy the beautiful sunny weather or just read a book and enjoy the beach breezes. The attached 2 car garage is so large it will actually fit 2 cars and you can still have room for extra storage. This neighborhood is very nice and well maintained. Come and get your Florida getaway home before it is gone!

Key facts

  • Florida room
  • Large walk-in closet
  • Private bathroom

Tags

SPLIT BEDROOM FLOOR PLANFLORIDA ROOMLARGE WALK-IN CLOSETPRIVATE BATHROOMLANAI

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath single-family listed at $238k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $715 ($9k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $238k).
  • Recommended offer: $209k (12.0% below list) — sets the bar for market timing.
  • Cap rate 12.1% vs local median 3.5% 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: L. A. Ainger Middle School (math 65% / reading 53%, grade B, #144 of 571 statewide, top 26%, 720 students, 40% FRL); Lemon Bay High School (math 50% / reading 56%, grade C-, #148 of 667 statewide, top 23%, 1,360 students, 28% FRL) — zoned schools average 34% FRL vs 54% district-wide (19 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents rising fast (+9.0%/yr); 823 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals lingering (median 117d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 79% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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.
  • At projected returns (-3.0% appreciation + 8.0% rent growth), your $67k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 188 days — a 12% lower offer ($209k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 8y ago; this cycle's ask has dropped $41k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $177k; 34% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $209,087 (12.0% below list)

Questions for the listing agent

  1. It's been on market 188 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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. 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. 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
1.37%
Cap rate
12.06%
Cash-on-cash
20.59%
DSCR
1.92
GRM
6.1

CMA / ARV

ARV (median comp)
$276,808
List price
$237,599
Delta
-14.16%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1220 Punta Nova Ter 0.24mi 2/2.0 1,493 (+0%) 7mo $309,900 $208 82
1756 Elinor Pl 0.03mi 2/2.0 1,339 (-10%) 7mo $235,000 $176 76
1625 Loralin Dr 0.13mi 2/2.0 1,303 (-13%) 0mo $228,000 $175 73
886 E 4th St 0.47mi 2/2.0 1,518 (+2%) 3mo $350,000 $231 72
1493 Janet Pl 0.38mi 2/2.0 1,554 (+4%) 6mo $360,000 $232 70
829 E 7th St 0.35mi 2/2.0 1,599 (+7%) 2mo $310,000 $194 70
1239 Punta Nova Ter 0.21mi 3/3.0 (+1) 1,366 (-8%) 5mo $355,000 $260 63
1455 Lemon Bay Dr 0.62mi 2/2.0 1,432 (-4%) 3mo $550,000 $384 62
1410 Deer Creek Dr 0.54mi 2/1.0 1,363 (-8%) 2mo $266,000 $195 54
1350 Aqua View Ln 0.65mi 2/3.0 1,333 (-10%) 7mo $875,000 $656 42
1360 Aqua Vw 0.64mi 2/3.0 1,326 (-11%) 8mo $600,000 $452 41
1173 Brown St 0.75mi 3/2.0 (+1) 1,327 (-11%) 2mo $360,000 $271 40

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 · 8.0% rent growth · sell at horizon

5-year hold
IRR
8.8%
Equity multiple
1.37×
Total profit
$24,369
Equity at exit
$35,427
10-year hold
IRR
22.1%
Equity multiple
3.39×
Total profit
$158,700
Equity at exit
$20,543

Cash invested: $66,528 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
34 active · 22 under contract
Months of supply
12.8 mo (8%/mo absorbed)
Median asking
$382,450 ($257/sqft)
Median days on market
128 d
This list price
12% of active listings are priced below it
ARV vs active asking
-27.7% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34223

Home prices YoY
-34.2%
Rents YoY
9.0%
Active inventory
823
Price-to-rent
6.1×

Monthly cashflow live

Estimated rent
$3,249 high interval (Pro) →
Mortgage (P&I)
$1,246
Tax from tax record
$76 /mo · $913/yr
Insurance
$99
Flood insurance flood zone
−$427 /mo · $5,118/yr
HOA
$4
Vacancy / Maint / Mgmt
$682
Net cashflow
$715

Break-even live

Break-even rent $2,344
Max offer price $237,599
Occupancy floor 73%

Sensitivity live

Price -10% $849 -5% $782 +0% $715 +5% $648 +10% $580
Rent -10% $458 -5% $586 +0% $715 +5% $843 +10% $971
Rate -1.0pp $834 -0.5pp $775 base $715 +0.5pp $653 +1.0pp $591

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
$59,400
Closing costs
$7,128
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 14 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1575 Loralin Dr Englewood, FL 3.0 2.0 1322 $5,000 $3.78 117d 1 0.23mi
1501 Helene Ave Englewood, FL 3.0 2.0 1608 $3,200 $1.99 109d 1 0.31mi
1210 S Maryknoll Rd Englewood, FL 2.0 2.0 1063 $2,600 $2.45 117d 1 0.38mi
1531 Placida Rd #204 Englewood, FL 2.0 2.0 1056 $3,500 $3.31 117d 1 0.40mi
1531 Placida Rd #203 Englewood, FL 2.0 2.0 1056 $3,900 $3.69 117d 1 0.40mi
858 E 7th St Englewood, FL 3.0 2.0 1244 $1,995 $1.60 117d 1 0.44mi
1401 S McCall Rd Unit 301A Englewood, FL 2.0 2.0 1093 $3,300 $3.02 117d 1 0.49mi
1401 S McCall Rd Englewood, FL 2.0 2.0 1093 $3,150 $2.88 6d 2 0.53mi
1120 Lampp Dr Englewood, FL 3.0 2.0 1212 $4,000 $3.30 117d 1 0.54mi
1081 Humboldt St Englewood, FL 3.0 2.0 1838 $2,300 $1.25 6d 1 0.69mi
1177 South Ln Englewood, FL 3.0 1.0 910 $1,600 $1.76 6d 1 0.77mi
1375 Beach Rd #311 Englewood, FL 3.0 2.0 1686 $4,950 $2.94 117d 1 0.88mi
2275 S McCall Rd #201 Englewood, FL 2.0 2.0 1050 $2,000 $1.90 109d 1 1.13mi
1960 Oregon Trl Unit 2A Englewood, FL 2.0 2.0 1360 $3,750 $2.76 117d 1 1.43mi

Property features AI

Finance

Other
Flood zone (flood insurance required)Paved road access
HOA & community
Has HOA (Ken Blackshaw) — optional association; $50 annuallyDeed restrictionsPets allowed

Exterior

Parking
Attached 2-car garage (21 x 22) with garage door opener
Utilities
Public waterPublic sewerElectricity connectedCable availableSewer connected
Home design
Single family residenceResidential propertyOne storyNorth-facing
Construction
Block constructionShingle roofSlab foundationCompleted conditionBuilt on 0.2-acre lot
Exterior features
Covered enclosed rear porch / Florida roomExterior lightingMature landscaping with trees

Interior

Kitchen
DishwasherRangeMicrowaveRefrigerator
Bedrooms
2 bedrooms
Flooring
Laminate flooring
Bathrooms
2 full bathrooms
Heating & cooling
Central heatingCentral air conditioning
Interior features
Ceiling fansLiving room / dining room comboOpen floorplanSplit bedroom layoutWalk-in closet(s)Window treatments
Laundry & utility
WasherDryerLaundry located in garage

HOA detail $4/mo · $48/yr

Likely covers
gym

Listing history 50 events

  1. 2026-08-31
    days on market $237,599 Active 188 DOM
  2. 2026-08-30
    days on market $237,599 Active 187 DOM
  3. 2026-08-29
    days on market $237,599 Active 186 DOM
  4. 2026-08-28
    days on market $237,599 Active 185 DOM
  5. 2026-08-27
    days on market $237,599 Active 184 DOM
  6. 2026-08-26
    days on market $237,599 Active 183 DOM
  7. 2026-08-25
    days on market $237,599 Active 182 DOM
  8. 2026-08-23
    days on market $237,599 Active 180 DOM
  9. 2026-08-22
    days on market $237,599 Active 179 DOM
  10. 2026-08-21
    days on market $237,599 Active 178 DOM
  11. 2026-08-20
    days on market $237,599 Active 177 DOM
  12. 2026-08-19
    days on market $237,599 Active 176 DOM
  13. 2026-08-18
    days on market $237,599 Active 175 DOM
  14. 2026-08-17
    days on market $237,599 Active 174 DOM
  15. 2026-08-16
    days on market $237,599 Active 173 DOM
  16. 2026-08-15
    days on market $237,599 Active 172 DOM
  17. 2026-08-14
    days on market $237,599 Active 171 DOM
  18. 2026-08-13
    days on market $237,599 Active 170 DOM
  19. 2026-08-12
    days on market $237,599 Active 169 DOM
  20. 2026-08-11
    days on market $237,599 Active 168 DOM
  21. 2026-08-10
    days on market $237,599 Active 167 DOM
  22. 2026-08-09
    days on market $237,599 Active 166 DOM
  23. 2026-08-08
    days on market $237,599 Active 165 DOM
  24. 2026-08-07
    days on market $237,599 Active 164 DOM
  25. 2026-08-06
    days on market $237,599 Active 163 DOM
  26. 2026-08-05
    days on market $237,599 Active 162 DOM
  27. 2026-08-04
    days on market $237,599 Active 161 DOM
  28. 2026-08-03
    days on market $237,599 Active 160 DOM
  29. 2026-08-01
    days on market $237,599 Active 157 DOM
  30. 2026-07-29
    days on market $237,599 Active 155 DOM
  31. 2026-07-27
    days on market $237,599 Active 153 DOM
  32. 2026-07-25
    days on market $237,599 Active 151 DOM
  33. 2026-07-24
    days on market $237,599 Active 150 DOM
  34. 2026-07-23
    days on market $237,599 Active 149 DOM
  35. 2026-07-22
    days on market $237,599 Active 148 DOM
  36. 2026-07-21
    days on market $237,599 Active 147 DOM
  37. 2026-07-18
    days on market $237,599 Active 144 DOM
  38. 2026-07-16
    days on market $237,599 Active 142 DOM
  39. 2026-07-16
    days on market $237,599 Active 141 DOM
  40. 2026-07-14
    days on market $237,599 Active 140 DOM
  41. 2026-07-13
    days on market $237,599 Active 139 DOM
  42. 2026-07-12
    days on market $237,599 Active 138 DOM
  43. 2026-07-09
    days on market $237,599 Active 135 DOM
  44. 2026-07-08
    days on market $237,599 Active 134 DOM
  45. 2026-07-07
    days on market $237,599 Active 133 DOM
  46. 2026-07-06
    days on market $237,599 Active 132 DOM
  47. 2026-07-06
    days on market $237,599 Active 131 DOM
  48. 2026-07-04
    days on market $237,599 Active 130 DOM
  49. 2026-07-03
    days on market $237,599 Active 129 DOM
  50. 2026-07-02
    days on market $237,599 Active 128 DOM

ⓘ 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
$913 · $76/mo
Projected year-2 tax
$1,972 · $164/mo
Expected delta
+$1,060/yr (+$88/mo · 116.1%)

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

Climate risk First Street

  • 🌊 Flood 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
  • 🔥 Wildfire 2/10 Low
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 30 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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$38,983
− Mortgage interest
−$13,309
− Property taxes
−$913
− Insurance
−$6,306
− Repairs & maintenance
−$3,119
− Management
−$3,119
− HOA
−$48
− Depreciation
−$6,912
Taxable income
$5,257
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,262
After-tax cash flow
$7,316/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 · 9 photos

Good 75/100 Cosmetic rehab Est. rehab $7,450–$22,350 screening

This well-maintained, partially furnished home in Englewood, FL, offers a good investment opportunity with minimal repairs and updates needed.

Components & finishes AI

Roof asphalt shingle · good Flooring hardwood Counters solid surface Appliances stainless steel HVAC central · new lt5

Value-add opportunities

  • Both Paint exterior — Enhances curb appeal and resale value.
  • Both Trim and mulch landscaping — Improves curb appeal and rental value.
  • Both Replace outdated light fixtures — Modernizes the home and enhances curb appeal.
  • Both Install smart home devices — Enhances convenience and adds modern amenities.

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

D Composite school gradezoned avg 56/100

Zoned Schools

Middle L. A. Ainger Middle School B FL #144/571 Nat'l #1,951/14,009 High Lemon Bay High School C- FL #148/667 Nat'l #4,893/17,239

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
B Composite livability gradescore 73/100

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
Sarasota County · 198,646 people
City population
35,420
Metro
North Port-Sarasota-Bradenton, FL
Population (ZIP)
19,884
Household income
$76,016
Rent vs Own
12.5% rent · 87.5% own
Severe rent burden
15% of renters

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 (94%)
Race & ethnicity
White 94% Two or more races 3% Hispanic / Latino 3% Asian 1%
Common ancestry
Romanian 7% Lithuanian 4% Iranian 2%
Foreign-born
9% · Canada
Languages at home
94% English-only · German/W. Germanic 2% Spanish 1% 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

Price history

+265.5% since first listed
10 events — show timeline
  • 2026-04-30 Price Changed $237,599 Stellar MLS as Distributed by MLS Grid
  • 2026-04-03 Price Changed $249,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-20 Price Changed $259,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-06 Price Changed $269,000 Stellar MLS as Distributed by MLS Grid
  • 2026-02-24 Listed $279,000 Stellar MLS as Distributed by MLS Grid
  • 2018-05-04 Sold (Public Records) $177,000 Public Records
  • 2018-05-04 Sold (MLS) $177,000 Stellar MLS as Distributed by MLS Grid
  • 2018-04-20 Pending Stellar MLS as Distributed by MLS Grid
  • 2018-04-13 Listed $179,900 Stellar MLS as Distributed by MLS Grid
  • 1993-03-17 Sold (Public Records) $65,000 Public Records

Property tax history

-4.8%/yr

Latest (2025): $913 · -57.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…