1765 Loralin Dr · Englewood, FL 34223

$237,599

2 bd · 2.0 ba · 1,490 sqft · SingleFamily public records · 114 Days on market

Built 1974 8,925 sqft lot Est $279k · 15% under $4/mo HOA

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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
• ARV discount +14.1/15.0
• DSCR +10.0/10.0
• 1% rule +9.0/10.0
• Rent growth +4.8/5.0
• Schools +4.6/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

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 PLAN
• FLORIDA ROOM
• LARGE WALK-IN CLOSET
• PRIVATE BATHROOM
• LANAI

Property features AI

Finance

• Other: Flood zone (flood insurance required); Paved road access
• HOA & community: Has HOA (Ken Blackshaw) — optional association; $50 annually; Deed restrictions; Pets allowed

Exterior

• Parking: Attached 2-car garage (21 x 22) with garage door opener
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Sewer connected
• Home design: Single family residence; Residential property; One story; North-facing
• Construction: Block construction; Shingle roof; Slab foundation; Completed condition; Built on 0.2-acre lot
• Exterior features: Covered enclosed rear porch / Florida room; Exterior lighting; Mature landscaping with trees

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Laminate flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Living room / dining room combo; Open floorplan; Split bedroom layout; Walk-in closet(s); Window treatments
• Laundry & utility: Washer; Dryer; Laundry located in garage

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $780 ($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: $216k (9.0% below list) — sets the bar for market timing.
• Cap rate 12.4% vs local median 3.8% 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: Lemon Bay High School (math 50% / reading 56%, grade C-, #148 of 667 statewide, top 23%, 1,360 students, 28% FRL) — zoned schools average 28% FRL vs 54% district-wide (25 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+9.0%/yr); 717 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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).

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 ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 114 days — a 9% lower offer ($216k) 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 $216,215 (9.0% below list)

Questions for the listing agent

1. It's been on market 114 days. Have you received any prior offers? Is the seller open to a 9% 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: 1.40% ✓
• Cap rate: 12.39%
• Cash-on-cash: 21.77%
• DSCR: 1.97
• GRM: 5.9

CMA / ARV

• ARV (on-the-fly): $278,630
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1220 Greaza St	0.18mi	2/2.0	1,527 (+2%)	17mo	$285,500	$187	73
1720 Florence Ave	0.09mi	2/2.0	1,293 (-13%)	14mo	$250,000	$193	62
1575 Loralin Dr	0.20mi	3/2.0 (+1)	1,322 (-11%)	22mo	$410,000	$310	49
1157 North Ln	0.70mi	2/1.0	1,356 (-9%)	9mo	$187,000	$138	41
1665 Manor Rd	0.62mi	2/1.0	1,298 (-13%)	14mo	$230,000	$177	34

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: 10.4%
• Equity multiple: 1.44×
• Total profit: $28,972
• Equity at exit: $35,427

10-year hold

• IRR: 23.5%
• Equity multiple: 3.56×
• Total profit: $170,067
• 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.

Methodology + full state rankings →

ZIP-level market 34223

• Home prices YoY: -34.2%
• Rents YoY: 9.0%
• Active inventory: 717
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $3,331 high
• 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: −$700
• Net cashflow: $780

Break-even live

Break-even rent $2,344

Max offer price $237,599

Occupancy floor 72%

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: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1575 Loralin Dr Englewood, FL	3.0	2.0	1322	$5,000	$3.78	21d	1	0.23mi
1501 Helene Ave Englewood, FL	3.0	2.0	1608	$3,200	$1.99	13d	1	0.31mi
1210 S Maryknoll Rd Englewood, FL	2.0	2.0	1063	$2,600	$2.45	21d	1	0.38mi
1531 Placida Rd #204 Englewood, FL	2.0	2.0	1056	$3,500	$3.31	21d	1	0.40mi
1531 Placida Rd #203 Englewood, FL	2.0	2.0	1056	$3,900	$3.69	21d	1	0.40mi
858 E 7th St Englewood, FL	3.0	2.0	1244	$1,995	$1.60	21d	1	0.44mi
1401 S McCall Rd Unit 301A Englewood, FL	2.0	2.0	1093	$3,300	$3.02	21d	1	0.49mi
1120 Lampp Dr Englewood, FL	3.0	2.0	1212	$4,000	$3.30	21d	1	0.54mi
1081 Humboldt St Englewood, FL	3.0	2.0	1838	$2,400	$1.31	21d	1	0.69mi
1375 Beach Rd #311 Englewood, FL	3.0	2.0	1686	$4,950	$2.94	21d	1	0.88mi
2275 S McCall Rd #201 Englewood, FL	2.0	2.0	1050	$2,000	$1.90	13d	1	1.13mi
1960 Oregon Trl Unit 2A Englewood, FL	2.0	2.0	1360	$3,750	$2.76	21d	1	1.43mi

HOA detail

• Monthly dues: $4 · $48/yr
• Likely covers: gym

Listing history 26 events

1. 2026-06-18
   days on market $237,599 Active 114 DOM
2. 2026-06-17
   days on market $237,599 Active 113 DOM
3. 2026-06-16
   days on market $237,599 Active 112 DOM
4. 2026-06-15
   days on market $237,599 Active 111 DOM
5. 2026-06-14
   days on market $237,599 Active 109 DOM
6. 2026-06-13
   days on market $237,599 Active 108 DOM
7. 2026-06-10
   days on market $237,599 Active 106 DOM
8. 2026-06-09
   days on market $237,599 Active 105 DOM
9. 2026-06-08
   days on market $237,599 Active 104 DOM
10. 2026-06-07
    days on market $237,599 Active 103 DOM
11. 2026-06-05
    days on market $237,599 Active 100 DOM
12. 2026-06-03
    days on market $237,599 Active 99 DOM
13. 2026-06-02
    days on market $237,599 Active 98 DOM
14. 2026-06-01
    days on market $237,599 Active 97 DOM
15. 2026-05-31
    days on market $237,599 Active 96 DOM
16. 2026-05-30
    days on market $237,599 Active 95 DOM
17. 2026-04-30
    price $237,599
18. 2026-04-03
    price $249,000
19. 2026-03-20
    price $259,000
20. 2026-03-06
    price $269,000
21. 2026-02-24
    listed $279,000 Active
22. 2018-05-04
    soldstatus $177,000 Sold 1367-char remark

    Show marketing remark (1367 chars)

    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!

23. 2018-05-04
    soldstatus $177,000

    Show marketing remark (1367 chars)

    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!

24. 2018-04-20
    status Pending 1367-char remark

    Show marketing remark (1367 chars)

    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!

25. 2018-04-13
    listed $179,900 Active 1367-char remark

    Show marketing remark (1367 chars)

    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!

26. 1993-03-17
    soldstatus $65,000

ⓘ 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: $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

Taxation est. · year 1

• Rental income: $39,976
• − Mortgage interest: −$13,309
• − Property taxes: −$913
• − Insurance: −$6,306
• − Repairs & maintenance: −$3,198
• − Management: −$3,198
• − HOA: −$48
• − Depreciation: −$6,912
• Taxable income: $6,091
• Est. tax owed @ 24.0%: −$1,462
• After-tax cash flow: $7,900/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 — 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 · 448,376 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: 290.0

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 (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: —

Market trends

• HPI YoY: ▼ -146.26%
• Current HPI: 281.0529
• Rent YoY: ▲ 9.02%
• Metro: North Port-Sarasota-Bradenton, 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

+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.