4437 Wynkoop Cir · Port Charlotte, FL 33948

$229,000

3 bd · 2.0 ba · 1,489 sqft · SingleFamily public records · 97 Days on market

Built 1993 0.35 ac lot Est $377k · 39% under

---

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 +24.6/30.0
• ARV discount +15.0/15.0
• DSCR +7.9/10.0
• 1% rule +5.8/10.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Some photos are virtually staged. 4437 Wynkoop could be the Florida home you’ve been waiting for! This is an inviting 2-bedroom, 2-bath residence with 1,489 sq ft and plenty of room to live, work, and relax. The flexible floorplan features a living room, family room, dining room, and dinette! It'sideal for entertaining, spreading out, or enjoying everyday life comfortably. Recent upgrades add peace of mind: New Roof (2023), New A/C (2022), New Hot Water Heater (2025), and a New Garage Door Opener (2026). Public water and sewer are already in place. The kitchen opens to the family room and dining area, creating an easy, connected space for cooking and conversation. Spacious rooms throughout enhance the airy feel, and the oversized lot offers room to store a boat—perfect for taking advantage of the nearby waterways. This home is being sold furnished, making your move even easier. Conveniently located near a boat launch, shopping, medical facilities, restaurants, and downtown Punta Gorda—everything you love about the area is just minutes away.

Key facts

• Nearby waterways
• Boat launch
• Shopping

Tags

• OVERSIZED LOT
• BOAT LAUNCH
• NEARBY WATERWAYS
• SHOPPING
• MEDICAL FACILITIES
• RESTAURANTS

Property features AI

Finance

• Other: Homestead exempt; Zoned RSF3.5
• HOA & community: No HOA association indicated

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected
• Home design: Single family residence; One story; South-facing
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built on a 0.35-acre lot (approx. 106 x 125)
• Exterior features: Sliding doors; Asphalt road access

Interior

• Kitchen: Dishwasher; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; High ceilings; Living room / dining room combo; Split bedroom layout; Window treatments
• Laundry & utility: Indoor laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $229k.

Deal economics

• At list price, monthly cash flow is $46 ($551/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $229k).
• Recommended offer: $208k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.8% vs local median 4.4% in Port Charlotte — 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 65/100 on livability (#655 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, 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: Meadow Park Elementary School (math 61% / reading 56%, grade B-, #735 of 2,144 statewide, top 35%, 701 students, 59% FRL); Port Charlotte High School (math 23% / reading 38%, grade F, #434 of 667 statewide, top 66%, 1,649 students, 43% FRL) — zoned schools at 51% FRL track the district average.
• Market conditions: Rents soft (-1.6%/yr); 953 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• At $2,464/mo this rent would consume 47% of the median local household income ($63k/yr) (locally 501% 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 $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.

Negotiation context

• It's been on market 97 days — a 9% lower offer ($208k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $30k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $79k; list at $229k implies a 190% gain — meaningful room to come down on a strong offer.

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→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $208,390 (9.0% below list)

Questions for the listing agent

1. It's been on market 97 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.08% ✓
• Cap rate: 8.77%
• Cash-on-cash: 8.84%
• DSCR: 1.39
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $376,717
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
18710 Ackerman Ave	0.25mi	3/2.0	1,456 (-2%)	8mo	$300,000	$206	78
4334 Wynkoop Cir	0.13mi	2/2.0 (-1)	1,436 (-4%)	10mo	$375,000	$261	75
19220 Moore Haven Ct	0.52mi	3/2.0	1,401 (-6%)	1mo	$367,500	$262	65
4310 Albacore Cir	0.40mi	2/2.0 (-1)	1,606 (+8%)	2mo	$307,000	$191	61
5121 Chaves Cir	0.36mi	3/2.0	1,336 (-10%)	6mo	$183,980	$138	61
18486 Briggs Cir	0.45mi	3/2.0	1,430 (-4%)	15mo	$360,000	$252	60
4243 Rock Creek Dr	0.50mi	3/2.0	1,521 (+2%)	22mo	$385,000	$253	54
4261 Day St	0.64mi	3/2.0	1,396 (-6%)	8mo	$130,000	$93	53
18698 Ashcroft Cir	0.61mi	3/2.0	1,666 (+12%)	19mo	$251,000	$151	36
4090 Yucatan Cir	0.58mi	3/2.0	1,320 (-11%)	22mo	$359,000	$272	35
18361 Hottelet Cir	0.74mi	2/2.0 (-1)	1,288 (-14%)	4mo	$525,000	$408	35
19179 Aviation Ct	0.65mi	3/2.0	1,700 (+14%)	14mo	$600,000	$353	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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -18.9%
• Equity multiple: 0.36×
• Total profit: $-41,173
• Equity at exit: $34,145

10-year hold

• IRR: -21.2%
• Equity multiple: 0.08×
• Total profit: $-59,049
• Equity at exit: $19,800

Cash invested: $64,120 (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

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33948

• Home prices YoY: -14.9%
• Rents YoY: -1.6%
• Active inventory: 953
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $2,464 high
• Mortgage (P&I): −$1,201
• Tax from tax record: −$178 /mo · $2,131/yr
• Insurance: −$95
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$517
• Net cashflow: $46

Break-even live

Break-even rent $2,406

Max offer price $229,000

Occupancy floor 93%

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: $57,250
• Closing costs: $6,870
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4518 Wynkoop Cir Port Charlotte, FL	2.0	2.0	1409	$1,995	$1.42	13d	1	0.13mi
4342 Ewing Cir Port Charlotte, FL	3.0	2.0	1260	$2,500	$1.98	21d	1	0.20mi
4670 Herman Cir Port Charlotte, FL	3.0	2.0	1350	$2,200	$1.63	21d	1	0.27mi
4399 Mundella Cir Port Charlotte, FL	3.0	2.0	1140	$3,200	$2.81	21d	1	0.31mi
18634 Goodman Cir Port Charlotte, FL	3.0	1.5	1182	$1,700	$1.44	13d	1	0.33mi
18493 Lake Worth Blvd Port Charlotte, FL	2.0	2.0	1006	$1,500	$1.49	21d	1	0.38mi
5081 Administration St Port Charlotte, FL	2.0	1.0	900	$1,500	$1.67	21d	1	0.41mi
18625 Alphonse Cir Port Charlotte, FL	2.0	2.0	960	$4,000	$4.17	21d	1	0.44mi
18608 Alphonse Cir Port Charlotte, FL	3.0	2.0	1441	$4,000	$2.78	21d	1	0.44mi
18810 Ashcroft Cir Port Charlotte, FL	3.0	2.0	1387	$3,800	$2.74	21d	1	0.54mi
4123 Michel Tree St Port Charlotte, FL	3.0	2.0	920	$1,750	$1.90	21d	1	0.55mi
18686 Van Nuys Cir Port Charlotte, FL	3.0	2.0	1168	$1,600	$1.37	21d	1	0.72mi
18522 Robinson Ave Port Charlotte, FL	3.0	2.0	1252	$2,000	$1.60	21d	1	0.74mi
4112 Gingold St Port Charlotte, FL	2.0	1.5	1056	$3,300	$3.12	21d	1	0.76mi
18312 Driggers Ave Port Charlotte, FL	3.0	2.0	1428	$5,400	$3.78	21d	1	0.77mi
18310 Burkholder Cir Port Charlotte, FL	3.0	2.0	1753	$3,250	$1.85	21d	1	0.79mi
4192 Gingold St Port Charlotte, FL	3.0	2.0	1127	$4,200	$3.73	21d	1	0.80mi
18289 Wolbrette Cir Port Charlotte, FL	2.0	2.0	1393	$4,000	$2.87	21d	1	0.96mi
262 Grenada St Port Charlotte, FL	3.0	2.0	1650	$1,845	$1.12	21d	1	1.12mi
1148 Salina Ave Port Charlotte, FL	3.0	2.0	1449	$3,000	$2.07	21d	1	1.12mi
18353 Grace Ave Port Charlotte, FL	3.0	2.0	1658	$2,100	$1.27	21d	1	1.12mi
18058 Avonsdale Cir Port Charlotte, FL	3.0	2.0	1453	$4,000	$2.75	21d	1	1.16mi
18019 Avonsdale Cir Port Charlotte, FL	3.0	2.0	1202	$1,900	$1.58	21d	1	1.24mi
285 Millport St NW Port Charlotte, FL	3.0	2.0	1651	$2,200	$1.33	21d	1	1.26mi
326 Millport St NW Port Charlotte, FL	3.0	2.0	1459	$2,400	$1.64	21d	1	1.31mi
334 Millport St NW Port Charlotte, FL	3.0	2.0	1459	$2,400	$1.64	21d	1	1.32mi
342 Millport St NW Port Charlotte, FL	3.0	2.0	1331	$2,250	$1.69	21d	1	1.34mi
1174 Victoria Ave Port Charlotte, FL	2.0	2.0	1092	$1,650	$1.51	21d	1	1.35mi
4306 Joseph St Port Charlotte, FL	4.0	2.0	1636	$2,600	$1.59	13d	1	1.47mi
18423 Elgin Ave Port Charlotte, FL	4.0	2.0	1636	$2,200	$1.34	21d	1	1.48mi

Listing history 15 events

1. 2026-06-07
   statusdays on market $229,000 Pending 97 DOM
2. 2026-06-05
   days on market $229,000 Active 96 DOM
3. 2026-06-03
   days on market $229,000 Active 95 DOM
4. 2026-06-02
   days on market $229,000 Active 94 DOM
5. 2026-06-01
   days on market $229,000 Active 93 DOM
6. 2026-05-31
   days on market $229,000 Active 92 DOM
7. 2026-05-30
   days on market $229,000 Active 91 DOM
8. 2026-05-21
   price $229,000 1074-char remark

   Show marketing remark (1074 chars)

   Some photos are virtually staged. 4437 Wynkoop could be the Florida home you’ve been waiting for! This is an inviting 2-bedroom, 2-bath residence with 1,489 sq ft and plenty of room to live, work, and relax. The flexible floorplan features a living room, family room, dining room, and dinette! It'sideal for entertaining, spreading out, or enjoying everyday life comfortably. Recent upgrades add peace of mind: New Roof (2023), New A/C (2022), New Hot Water Heater (2025), and a New Garage Door Opener (2026). Public water and sewer are already in place. The kitchen opens to the family room and dining area, creating an easy, connected space for cooking and conversation. Spacious rooms throughout enhance the airy feel, and the oversized lot offers room to store a boat—perfect for taking advantage of the nearby waterways. This home is being sold furnished, making your move even easier. Conveniently located near a boat launch, shopping, medical facilities, restaurants, and downtown Punta Gorda—everything you love about the area is just minutes away.

9. 2026-05-21
   price $229,000

   Show marketing remark (1074 chars)

   Some photos are virtually staged. 4437 Wynkoop could be the Florida home you’ve been waiting for! This is an inviting 2-bedroom, 2-bath residence with 1,489 sq ft and plenty of room to live, work, and relax. The flexible floorplan features a living room, family room, dining room, and dinette! It'sideal for entertaining, spreading out, or enjoying everyday life comfortably. Recent upgrades add peace of mind: New Roof (2023), New A/C (2022), New Hot Water Heater (2025), and a New Garage Door Opener (2026). Public water and sewer are already in place. The kitchen opens to the family room and dining area, creating an easy, connected space for cooking and conversation. Spacious rooms throughout enhance the airy feel, and the oversized lot offers room to store a boat—perfect for taking advantage of the nearby waterways. This home is being sold furnished, making your move even easier. Conveniently located near a boat launch, shopping, medical facilities, restaurants, and downtown Punta Gorda—everything you love about the area is just minutes away.

10. 2026-05-12
    price $239,000
11. 2026-05-03
    price $249,000
12. 2026-04-22
    price $255,000
13. 2026-02-28
    listed $259,000 Active
14. 2026-02-25
    listed $239,000 Active 1074-char remark

    Show marketing remark (1074 chars)

    Some photos are virtually staged. 4437 Wynkoop could be the Florida home you’ve been waiting for! This is an inviting 2-bedroom, 2-bath residence with 1,489 sq ft and plenty of room to live, work, and relax. The flexible floorplan features a living room, family room, dining room, and dinette! It'sideal for entertaining, spreading out, or enjoying everyday life comfortably. Recent upgrades add peace of mind: New Roof (2023), New A/C (2022), New Hot Water Heater (2025), and a New Garage Door Opener (2026). Public water and sewer are already in place. The kitchen opens to the family room and dining area, creating an easy, connected space for cooking and conversation. Spacious rooms throughout enhance the airy feel, and the oversized lot offers room to store a boat—perfect for taking advantage of the nearby waterways. This home is being sold furnished, making your move even easier. Conveniently located near a boat launch, shopping, medical facilities, restaurants, and downtown Punta Gorda—everything you love about the area is just minutes away.

15. 1996-01-19
    soldstatus $79,000

ⓘ 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: $2,131 · $178/mo
• Projected year-2 tax: $2,131 · $178/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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,565
• − Mortgage interest: −$12,828
• − Property taxes: −$2,131
• − Insurance: −$6,264
• − Repairs & maintenance: −$2,365
• − Management: −$2,365
• − Depreciation: −$6,662
• Taxable loss: −$3,050
• Est. tax savings @ 24.0%: +$732
• After-tax cash flow: $1,282/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 — Port Charlotte

• Score: 65/100
• State rank: #655
• US rank: #13081

Category grades

Amenities F Commute F Cost of living A+ Crime C+ Employment D Housing A+ Health & safety D- User ratings D+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Charlotte, FL
• County: Charlotte County · 196,994 people
• City population: 102,180
• Metro: Punta Gorda, FL
• Population (ZIP): 18,696
• Household income: $62,744
• Rent vs Own: 13.8% rent · 86.2% own
• Severe rent burden: 501.0

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 (79%)
• Race & ethnicity: White 79% Two or more races 8% Black 7% Hispanic / Latino 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Lithuanian 5% Romanian 4% Iranian 2%
• Foreign-born: 11% · Canada
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 2% 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: ▼ -55.31%
• Current HPI: 315.0548
• Rent YoY: ▼ -1.63%
• Metro: Punta Gorda, 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

+189.9% since first listed

8 events — show timeline

• 2026-05-21 Price Changed $229,000 FORTMLS
• 2026-05-21 Price Changed $229,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-12 Price Changed $239,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-03 Price Changed $249,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-22 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-28 Listed $259,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-25 Listed $239,000 FORTMLS
• 1996-01-19 Sold (Public Records) $79,000 Public Records

Property tax history

+5.4%/yr

Latest (2025): $2,131 · -65.8% YoY. Source: county tax records.