🌊 Lakefront
314 Emerald Bay Cir Unit I5 · Bonita Springs, FL
Flood risk 8/10 · Major
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.97%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 31 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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 +14.2/30.0
- ARV discount +7.5/15.0
- Schools +5.0/10.0
- 1% rule +4.9/10.0
- DSCR +4.3/10.0
- Livability +3.5/5.0
- Condition / age +2.5/5.0
- Rent growth +2.2/5.0
- Appreciation +0.0/10.0
$479,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Light, bright and peaceful, located in the center of a truly great neighborhood. This 3/2 second-floor coach home with an attached garage has brand new water heater, was freshly painted (everything) and had new carpeting installed in just the past two weeks! Have the best of both worlds, a lake view with water feature as well as privacy from the tropical landscape of palms and pines. Access the generous screened lanai from living room, dining room, and owner's suite. Walk around the corner to one of the two community pools or go to the front pool after playing tennis or pickleball; perhaps calm achy muscles in one of two spas or enjoy your lunch in the shade of a screened lanai at either pool area. The lending library in the clubhouse is enjoyed by many and there are plenty of events offered during season. Here you’ll be welcomed to join in, or, be as private as you choose. Emerald Bay is within a bike ride to three of the country’s top beaches on the Gulf of Mexico. The fees at this gated pet-friendly neighborhood include EVERYTHING except your electric, yes, even wi-fi hi-speed internet!
Key facts
- Tennis
- Clubhouse
- Gated enclave
Tags
Property features AI
Finance
- Other: There are 2 units per floor, 8 units in the building, and 216 units in the complex; Single-floor building
- Financial info: Condo fee (quarterly): $2,188; Total annual recurring HOA fees: $8,752; Total one-time fees: $150
- HOA & community: Quarterly condo fee; On-site management; Community amenities include clubhouse, community pool, community spa/hot tub, library, tennis and pickleball courts, streetlights, and underground utilities; Maintenance covers cable, insurance, internet/Wi-Fi, lawn/land maintenance, legal/accounting, manager, exterior and interior pest control, recreation facilities, reserves, security, sewer, street lights and maintenance, trash removal, and water
Exterior
- Parking: Attached 1-car garage; Paved driveway parking
- Security: Gated community; Entry keypad
- Utilities: Central water; Central sewer; Cable available
- Home design: Residential property in a low-rise (1-3) carriage/coach building; Built in 1989; Rear exposure faces northeast; Part of the Emerald Bay / Villages at Emerald Bay development
- Construction: Concrete block and wood frame construction; Stucco exterior finish; Tile roof; Carriage/coach building style
- Exterior features: Courtyard; Screened lanai/porch; Lake and landscaped area views; Private road access; Zero lot line; Restrictions: Deeded; no motorcycles; no RVs
Interior
- Kitchen: Island; Pantry; Dishwasher; Disposal; Microwave; Range; Self-cleaning oven; Refrigerator / refrigerator-freezer / icemaker
- Bedrooms: 3 bedrooms with a split-bedroom layout
- Flooring: Carpet; Laminate; Tile
- Bathrooms: 2 full bathrooms; Master bathroom with dual sinks and a shower (no tub)
- Heating & cooling: Central electric heat; Central electric air conditioning; Ceiling fans
- Interior features: Built-in cabinets; Cable prewire; Foyer; High-speed internet available; Pantry; Smoke detectors; Vaulted ceiling; Walk-in closet; Window coverings; Partially furnished; Great room floor plan; Split bedroom floor plan; 5 ceiling fans; 8 total rooms
- Laundry & utility: Washer and dryer in residence; Laundry room; Guest bathroom
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath condo listed at $479k.
Deal economics
- At list price, monthly cash flow is $13 ($160/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 $474k (0.9% below list).
- Recommended offer: $436k (9.0% below list) — sets the bar for market timing.
- Cap rate 6.5% vs local median 1.7% in Bonita Springs — 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 70/100 on livability (#428 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, employment A; Watch: cost of living C-, health & safety D, amenities F.
- 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: Naples Park Elementary School (math 67% / reading 57%, grade B, #608 of 2,144 statewide, top 29%, 395 students, 48% FRL); North Naples Middle School (math 79% / reading 73%, grade A, #34 of 571 statewide, top 6%, 903 students, 25% FRL); Gulf Coast High School (math 57% / reading 68%, grade B-, #93 of 667 statewide, top 14%, 2,447 students, 20% FRL) — zoned schools average 31% FRL vs 55% district-wide (24 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents soft (-1.1%/yr); 593 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); solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
- At $4,745/mo this rent would consume 58% of the median local household income ($98k/yr) (locally 1006% 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 $3k of loan paydown is wiped out by about $14k 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 117 days — a 9% lower offer ($436k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 4y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Watch-outs: flood insurance adds $66/mo.
- Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→31/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 117 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
- What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
- Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 0.99% ✗
- Cap rate
- 6.49%
- Cash-on-cash
- 0.71%
- DSCR
- 1.03
- GRM
- 8.4
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -19.9%
- Equity multiple
- 0.33×
- Total profit
- $-90,344
- Equity at exit
- $71,420
- IRR
- -22.5%
- Equity multiple
- 0.03×
- Total profit
- $-129,964
- Equity at exit
- $41,415
Cash invested: $134,120 (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
ZIP-level market 34110
- Rents YoY
- -1.1%
- Active inventory
- 593
- Price-to-rent
- 8.4×
Monthly cashflow live
- Estimated rent
- $4,745 high interval (Pro) →
- Mortgage (P&I)
- −$2,512
- Tax from tax record
- −$228 /mo · $2,736/yr
- Insurance
- −$200
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$729
- Vacancy / Maint / Mgmt
- −$996
- Net cashflow
- $13
Break-even live
Sensitivity live
| Price | -10% $284 | -5% $149 | +0% $13 | +5% $-122 | +10% $-258 |
|---|---|---|---|---|---|
| Rent | -10% $-362 | -5% $-174 | +0% $13 | +5% $201 | +10% $388 |
| Rate | -1.0pp $255 | -0.5pp $135 | base $13 | +0.5pp $-111 | +1.0pp $-237 |
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
- $119,750
- Closing costs
- $14,370
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 306 Emerald Bay Cir Unit J5 Naples, FL | 3.0 | 2.0 | 1490 | $5,900 | $3.96 | 25d | 1 | 0.06mi |
| 306 Emerald Bay Cir Unit J8 Naples, FL | 2.0 | 2.0 | 1350 | $4,000 | $2.96 | 25d | 1 | 0.06mi |
| 386 Emerald Bay Cir Unit G4 Naples, FL | 3.0 | 2.0 | 1490 | $2,500 | $1.68 | 25d | 1 | 0.10mi |
| 298 Emerald Bay Cir Unit K6 Naples, FL | 2.0 | 2.0 | 1202 | $4,750 | $3.95 | 25d | 1 | 0.10mi |
| 341 Emerald Bay Cir Unit T5 Naples, FL | 3.0 | 2.0 | 1611 | $4,500 | $2.79 | 25d | 1 | 0.16mi |
| 15161 Cedarwood Ln Naples, FL | 2.0 | 2.0 | 1267 | $4,000 | $3.16 | 25d | 3 | 0.20mi |
| 1001 Arbor Lake Dr Naples, FL | 2.0–3.0 | 2.0–2.5 | 1755 | $5,500 | $3.13 | 25d | 2 | 0.23mi |
| 15191 Cedarwood Ln #2602 Naples, FL | 2.0 | 2.0 | 1267 | $2,300 | $1.82 | 25d | 1 | 0.23mi |
| 505 Lake Louise Cir #101 Naples, FL | 2.0 | 2.0 | 1444 | $5,500 | $3.81 | 25d | 1 | 0.25mi |
| 290 Naples Cove Dr Naples, FL | 2.0 | 2.0 | 1327 | $3,400 | $2.56 | 25d | 3 | 0.27mi |
| 513 Lake Louise Cir #202 Naples, FL | 2.0 | 2.0 | 1444 | $5,300 | $3.67 | 25d | 1 | 0.31mi |
| 270 Naples Cove Dr #3506 Naples, FL | 3.0 | 2.0 | 1475 | $2,500 | $1.69 | 23d | 1 | 0.32mi |
| 285 Naples Cove Dr #1103 Naples, FL | 2.0 | 2.0 | 1267 | $2,475 | $1.95 | 25d | 1 | 0.32mi |
| 15415 Cedarwood Ln Unit 3 Naples, FL | 2.0 | 2.0 | 1428 | $2,200 | $1.54 | 15d | 1 | 0.38mi |
| 15400 Cedarwood Ln Unit 1-201 Naples, FL | 2.0 | 2.0 | 1286 | $6,000 | $4.67 | 25d | 1 | 0.38mi |
| 15400 Cedarwood Ln #102 Naples, FL | 2.0 | 2.0 | 1286 | $6,300 | $4.90 | 15d | 1 | 0.38mi |
| 526 Lake Louise Cir Unit 4-403 Naples, FL | 3.0 | 2.0 | 1740 | $6,500 | $3.74 | 25d | 1 | 0.53mi |
| 28940 Bermuda Pointe Cir #102 Bonita Springs, FL | 2.0 | 2.0 | 1076 | $5,500 | $5.11 | 25d | 1 | 0.87mi |
| 340 Horse Creek Dr #304 Naples, FL | 2.0 | 2.0 | 1326 | $2,950 | $2.22 | 25d | 1 | 0.89mi |
| 360 Horse Creek Dr Naples, FL | 2.0 | 2.0 | 1589 | $5,250 | $3.30 | 15d | 4 | 0.89mi |
| 320 Horse Creek Dr #105 Naples, FL | 2.0 | 2.0 | 1326 | $5,600 | $4.22 | 25d | 1 | 0.91mi |
| 300 Horse Creek Dr #408 Naples, FL | 2.0 | 2.0 | 1434 | $5,500 | $3.84 | 25d | 1 | 0.93mi |
| 817 Carrick Bend Cir #101 Naples, FL | 3.0 | 2.0 | 1660 | $5,995 | $3.61 | 15d | 1 | 0.94mi |
| 480 Bermuda Cove Way Unit 1-104 Naples, FL | 2.0 | 2.0 | 1372 | $4,250 | $3.10 | 25d | 1 | 0.97mi |
| 28720 Bermuda Bay Way #205 Bonita Springs, FL | 2.0 | 2.0 | 1097 | $2,200 | $2.01 | 16d | 1 | 1.01mi |
| 784 Carrick Bend Cir #101 Naples, FL | 3.0 | 2.0 | 1515 | $3,500 | $2.31 | 25d | 1 | 1.03mi |
| 13105 Vanderbilt Dr Naples, FL | 2.0 | 2.0 | 1390 | $5,450 | $3.92 | 25d | 2 | 1.06mi |
| 13105 Vanderbilt Dr #808 Naples, FL | 2.0 | 2.0 | 1390 | $5,500 | $3.96 | 15d | 1 | 1.07mi |
| 13105 Vanderbilt Dr #808 Naples, FL | 2.0 | 2.0 | 1390 | $5,500 | $3.96 | 23d | 1 | 1.07mi |
| 430 Cove Tower Dr #302 Naples, FL | 3.0 | 2.0 | 1623 | $6,500 | $4.00 | 25d | 1 | 1.09mi |
| 430 Cove Tower Dr #1202 Naples, FL | 3.0 | 2.0 | 1519 | $7,800 | $5.13 | 25d | 1 | 1.09mi |
| 420 Cove Tower Dr #802 Naples, FL | 3.0 | 2.0 | 1621 | $4,750 | $2.93 | 25d | 1 | 1.10mi |
| 28712 Carmel Way Bonita Springs, FL | 3.0 | 2.5 | 1626 | $9,250 | $5.69 | 25d | 1 | 1.10mi |
| 425 Cove Tower Dr #902 Naples, FL | 2.0 | 2.0 | 1854 | $9,400 | $5.07 | 25d | 1 | 1.12mi |
| 1025 Tarpon Cove Dr #203 Naples, FL | 2.0 | 2.0 | 1225 | $5,500 | $4.49 | 15d | 1 | 1.14mi |
| 12945 Vanderbilt Dr Naples, FL | 2.0 | 2.0 | 1301 | $5,250 | $4.04 | 25d | 2 | 1.16mi |
| 774 Wiggins Lake Dr #106 Naples, FL | 3.0 | 2.0 | 1374 | $6,500 | $4.73 | 25d | 1 | 1.16mi |
| 3930 Windward Passage Cir #202 Bonita Springs, FL | 2.0 | 2.0 | 1478 | $1,900 | $1.29 | 17d | 1 | 1.17mi |
| 651 Wiggins Lake Dr #102 Naples, FL | 2.0 | 2.0 | 1487 | $6,500 | $4.37 | 25d | 1 | 1.17mi |
| 265 Barefoot Beach Blvd Bonita Springs, FL | 2.0–3.0 | 2.0 | 1604 | $13,000 | $8.10 | 25d | 3 | 1.18mi |
HOA detail condo
- Monthly dues
- $729 · $8,748/yr
- Likely covers
- waterelectricinternetpoolsecurity
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 25 events
-
2026-06-21days on market $479,000 Active 117 DOM
-
2026-06-18days on market $479,000 Active 114 DOM
-
2026-06-17days on market $479,000 Active 113 DOM
-
2026-06-16days on market $479,000 Active 112 DOM
-
2026-06-15days on market $479,000 Active 111 DOM
-
2026-06-14days on market $479,000 Active 109 DOM
-
2026-06-10days on market $479,000 Active 106 DOM
-
2026-06-09days on market $479,000 Active 105 DOM
-
2026-06-08days on market $479,000 Active 104 DOM
-
2026-06-07days on market $479,000 Active 103 DOM
-
2026-06-03days on market $479,000 Active 99 DOM
-
2026-06-02days on market $479,000 Active 98 DOM
-
2026-06-01days on market $479,000 Active 97 DOM
-
2026-05-31days on market $479,000 Active 96 DOM
-
2026-05-30days on market $479,000 Active 95 DOM
-
2026-03-19price $479,000
-
2026-02-24$499,000 Active
-
2026-02-23historical
-
2026-02-20$514,900 Active
-
2022-06-03soldstatus $462,500 Sold 1121-char remark
Show marketing remark (1121 chars)
Light, bright and peaceful, located in the center of a truly great neighborhood. This 3/2 second-floor coach home with an attached garage has brand new water heater, was freshly painted (everything) and had new carpeting installed in just the past two weeks! Have the best of both worlds, a lake view with water feature as well as privacy from the tropical landscape of palms and pines. Access the generous screened lanai from living room, dining room, and owner's suite. Walk around the corner to one of the two community pools or go to the front pool after playing tennis or pickleball; perhaps calm achy muscles in one of two spas or enjoy your lunch in the shade of a screened lanai at either pool area. The lending library in the clubhouse is enjoyed by many and there are plenty of events offered during season. Here you’ll be welcomed to join in, or, be as private as you choose. Emerald Bay is within a bike ride to three of the country’s top beaches on the Gulf of Mexico. The fees at this gated pet-friendly neighborhood include EVERYTHING except your electric, yes, even wi-fi hi-speed internet!
-
2022-04-27status Pending 1121-char remark
Show marketing remark (1121 chars)
Light, bright and peaceful, located in the center of a truly great neighborhood. This 3/2 second-floor coach home with an attached garage has brand new water heater, was freshly painted (everything) and had new carpeting installed in just the past two weeks! Have the best of both worlds, a lake view with water feature as well as privacy from the tropical landscape of palms and pines. Access the generous screened lanai from living room, dining room, and owner's suite. Walk around the corner to one of the two community pools or go to the front pool after playing tennis or pickleball; perhaps calm achy muscles in one of two spas or enjoy your lunch in the shade of a screened lanai at either pool area. The lending library in the clubhouse is enjoyed by many and there are plenty of events offered during season. Here you’ll be welcomed to join in, or, be as private as you choose. Emerald Bay is within a bike ride to three of the country’s top beaches on the Gulf of Mexico. The fees at this gated pet-friendly neighborhood include EVERYTHING except your electric, yes, even wi-fi hi-speed internet!
-
2022-04-22$449,000 Active 1121-char remark
Show marketing remark (1121 chars)
Light, bright and peaceful, located in the center of a truly great neighborhood. This 3/2 second-floor coach home with an attached garage has brand new water heater, was freshly painted (everything) and had new carpeting installed in just the past two weeks! Have the best of both worlds, a lake view with water feature as well as privacy from the tropical landscape of palms and pines. Access the generous screened lanai from living room, dining room, and owner's suite. Walk around the corner to one of the two community pools or go to the front pool after playing tennis or pickleball; perhaps calm achy muscles in one of two spas or enjoy your lunch in the shade of a screened lanai at either pool area. The lending library in the clubhouse is enjoyed by many and there are plenty of events offered during season. Here you’ll be welcomed to join in, or, be as private as you choose. Emerald Bay is within a bike ride to three of the country’s top beaches on the Gulf of Mexico. The fees at this gated pet-friendly neighborhood include EVERYTHING except your electric, yes, even wi-fi hi-speed internet!
-
2004-12-08soldstatus $275,000
-
2004-06-29soldstatus $185,000
-
1990-01-01soldstatus $107,400
ⓘ 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
- $2,736 · $228/mo
- Projected year-2 tax
- $3,976 · $331/mo
- Expected delta
- +$1,240/yr (+$103/mo · 45.3%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 8/10 Severe FEMA zone X (shaded) · 97% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 31 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
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $56,935
- − Mortgage interest
- −$26,831
- − Property taxes
- −$2,736
- − Insurance
- −$3,192
- − Repairs & maintenance
- −$4,555
- − Management
- −$4,555
- − HOA
- −$8,748
- − Depreciation
- −$13,935
- Taxable loss
- −$7,617
- Est. tax savings @ 24.0%
- +$1,828
- After-tax cash flow
- $1,988/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 — Bonita Springs
- Score
- 70/100
- State rank
- #428
- US rank
- #7576
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Collier County · 396,295 people
- City population
- 64,727
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 25,630
- Household income
- $97,564
- Rent vs Own
- Severe rent burden
- 1006.0
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 (84%)
- Race & ethnicity
- White 84% Hispanic / Latino 10% Two or more races 9% Asian 2% Black 1%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 1% Cuban 3%
- Common ancestry
- Romanian 4% Lithuanian 3% Slovak 2%
- Foreign-born
- 11% · Canada, South Korea
- Languages at home
- 87% English-only · Spanish 7% Other Indo-European 3% French/Haitian/Cajun 1%
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
- ▼ -172.68%
- Current HPI
- 267.4644
- Rent YoY
- ▼ -1.06%
- 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
+346.0% since first listed10 events — show timeline
- 2026-03-19 Price Changed $479,000 NAPLESMLS
- 2026-02-24 Listed $499,000 NAPLESMLS
- 2026-02-23 Listing Removed — NAPLESMLS
- 2026-02-20 Listed $514,900 NAPLESMLS
- 2022-06-03 Sold (MLS) $462,500 NAPLESMLS
- 2022-04-27 Pending — NAPLESMLS
- 2022-04-22 Listed $449,000 NAPLESMLS
- 2004-12-08 Sold (Public Records) $275,000 Public Records
- 2004-06-29 Sold (Public Records) $185,000 Public Records
- 1990-01-01 Sold (Public Records) $107,400 Public Records
Property tax history
+4.1%/yrLatest (2025): $2,736 · -9.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…