5255 Karlia Dr · Ave Maria, FL 34142

$549,900

3 bd · 2.5 ba · 2,037 sqft · SingleFamily public records · 23 Days on market

Built 2023 Good condition 8,624 sqft lot $162/mo HOA · 4% of rent

---

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 +10.3/30.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• Appreciation +4.5/10.0
• Condition / age +4.0/5.0
• 1% rule +3.2/10.0
• Rent growth +3.2/5.0
• DSCR +3.0/10.0
• Livability +2.5/5.0

Listing remarks

Discover the pinnacle of refined living at 5255 Karlia Drive. This stunning 2023-built residence showcases the prestigious Fairmont floor plan, offering 2,000 square feet of impeccably curated, single-story space. The home features soaring ceilings, large plank tile flooring, and a custom fireplace feature wall, in an open floor plan, all complemented by the convenience of automated electric blinds on windows. The chef-inspired kitchen serves as the home's centerpiece, boasting thick quartz countertops, premium cabinetry, high-end LG appliances and enhanced lighting. The primary suite acts as a private sanctuary, complete with a generous walk-in closet with built-ins, while the large master

Key facts

• Premium cabinetry
• 8,624 sq ft lot
• 2 garage spots

Tags

• CUSTOM FIREPLACE FEATURE WALL
• AUTOMATED ELECTRIC BLINDS
• CHEF INSPIRED KITCHEN
• THICK QUARTZ COUNTERTOPS
• PREMIUM CABINETRY
• HIGH END LG APPLIANCES

Property features AI

Finance

• Other: No commercial use and no RV restrictions
• HOA & community: Mandatory HOA; Monthly HOA fee of $94.55; Quarterly master HOA fee of $203; Total annual recurring fees $1,952; total one-time fees $310; Professional management with manager-maintained services; Non-gated community with amenities including clubhouse, community pool and room, fitness center, exercise room, basketball, tennis, pickleball, volleyball, bike/jog path, playground, dog park, BBQ/picnic area, restaurant, shopping, sidewalks, streetlights, underground utilities, and hobby room

Exterior

• Parking: Attached 2-car garage
• Security: Unmonitored alarm
• Utilities: Central water; Central sewer; Cable available
• Home design: Single-family home; 1 story / ranch; Rear exposure facing west; Residential property in Ave Maria
• Construction: Built in 2023; Concrete block construction; Stucco exterior; Tile roof; Impact-resistant storm protection
• Exterior features: Deck; Patio; Fence; Automatic sprinkler system; Water feature; Above-ground private spa; Impact-resistant windows

Interior

• Kitchen: Cooktop; Self-cleaning oven; Dishwasher; Disposal; Refrigerator/ice maker
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms; Master bath with dual sinks, bidet, and shower (no tub)
• Heating & cooling: Central electric heating; Central electric cooling
• Interior features: Cable prewire; Fireplace; Foyer; Smoke detectors; Split bedroom floor plan; Screened lanai/porch; Breakfast bar and dining in living area
• Laundry & utility: Washer and dryer; Laundry in residence; Auto garage door

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $550k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-454 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $470k (14.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $449k (18.3% below list).
• Recommended offer: $449k (18.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — 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.
• Zoned schools: Estates Elementary School (math 70% / reading 67%, grade B+, #409 of 2,144 statewide, top 20%, 862 students, 53% FRL); Corkscrew Middle School (math 68% / reading 59%, grade B+, #109 of 571 statewide, top 19%, 958 students, 43% FRL); Palmetto Ridge High School (math 43% / reading 51%, grade D-, #207 of 667 statewide, top 32%, 2,347 students, 38% FRL).
• Market conditions: Rents rising (+3.0%/yr); 453 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $4,490/mo this rent would consume 86% of the median local household income ($62k/yr) (locally 1093% 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 (-1.1%/yr); year-one equity from $4k of loan paydown is wiped out by about $6k 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 23 days — a 2% lower offer ($542k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $152/mo.
• Climate carrying-cost: in FEMA flood zone AH (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 6→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $449,050 (18.3% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.82% ✗
• Cap rate: 5.63%
• Cash-on-cash: -2.36%
• DSCR: 0.90
• GRM: 10.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.05% appreciation · 2.95% rent growth · sell at horizon

5-year hold

• IRR: -10.8%
• Equity multiple: 0.54×
• Total profit: $-71,582
• Equity at exit: $131,467

10-year hold

• IRR: -4.0%
• Equity multiple: 0.64×
• Total profit: $-56,191
• Equity at exit: $136,969

Cash invested: $153,972 (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 34142

• Home prices YoY: -0.5%
• Rents YoY: 3.0%
• Active inventory: 453
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $4,490 high
• Mortgage (P&I): −$2,884
• Tax from tax record: −$575 /mo · $6,901/yr
• Insurance: −$229
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$162
• Vacancy / Maint / Mgmt: −$943
• Net cashflow: $-454

Break-even live

Break-even rent $5,066

Max offer price $469,611

Occupancy floor —

Sensitivity live

Price	-10% $-143	-5% $-299	+0% $-454	+5% $-610	+10% $-766
Rent	-10% $-809	-5% $-632	+0% $-454	+5% $-277	+10% $-100
Rate	-1.0pp $-178	-0.5pp $-315	base $-454	+0.5pp $-597	+1.0pp $-742

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: $137,475
• Closing costs: $16,497
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5077 Gambero Way Ave Maria, FL	4.0	3.0	2256	$3,950	$1.75	25d	1	0.16mi
5285 Marano Dr Ave Maria, FL	3.0	2.5	2256	$2,600	$1.15	25d	1	0.18mi
5293 Marano Dr Ave Maria, FL	3.0	2.5	2256	$3,400	$1.51	23d	1	0.19mi
5414 Espada Ct Ave Maria, FL	3.0	3.0	2799	$10,995	$3.93	23d	1	0.19mi
5065 Gambero Way Ave Maria, FL	4.0	3.0	2557	$3,250	$1.27	23d	1	0.20mi
5322 Nevola Ave Ave Maria, FL	3.0	3.0	1918	$2,700	$1.41	15d	1	0.21mi
5376 Fancourt Links Way Ave Maria, FL	2.0	2.5	1850	$6,850	$3.70	23d	1	0.21mi
5187 Nevola Ave Ave Maria, FL	3.0	2.5	1680	$2,700	$1.61	23d	1	0.25mi
5039 Frattina St Ave Maria, FL	3.0	3.0	2341	$5,995	$2.56	25d	1	0.29mi
5412 Fancourt Links Way Ave Maria, FL	4.0	3.0	2247	$8,000	$3.56	23d	1	0.29mi
5522 Hampton Links Ct Ave Maria, FL	2.0	2.5	1850	$3,995	$2.16	25d	1	0.31mi
5013 Florence Dr Ave Maria, FL	3.0	2.5	2256	$2,900	$1.29	25d	1	0.32mi
5089 Penella Ave Ave Maria, FL	3.0	2.5	2028	$2,300	$1.13	15d	1	0.32mi
5545 Hampton Links Ct Ave Maria, FL	4.0	3.0	2247	$8,500	$3.78	25d	1	0.32mi
5545 Hampton Links Ct #5545 Ave Maria, FL	4.0	3.0	2400	$9,000	$3.75	25d	1	0.32mi
5428 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$7,895	$3.51	23d	1	0.33mi
5538 Hampton Links Ct Ave Maria, FL	3.0	3.0	2247	$6,295	$2.80	23d	1	0.34mi
5114 Penella Ave Ave Maria, FL	4.0	3.0	2599	$3,195	$1.23	23d	1	0.36mi
5444 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$3,995	$1.78	23d	1	0.37mi
5515 Whistling Straights Ct Ave Maria, FL	3.0	2.5	2419	$6,500	$2.69	23d	1	0.43mi
5427 Double Eagle Cir #2815 Ave Maria, FL	2.0	2.0	1400	$2,700	$1.93	25d	1	0.43mi
5427 Double Eagle Cir #2826 Ave Maria, FL	2.0	2.0	1569	$6,495	$4.14	25d	1	0.43mi
5435 Pikewood Ct Ave Maria, FL	2.0	2.5	1850	$3,695	$2.00	23d	1	0.44mi
5445 Double Eagle Cir #3026 Ave Maria, FL	2.0	2.0	1569	$2,350	$1.50	23d	1	0.45mi
5120 Nevola Ave Ave Maria, FL	4.0	3.0	2273	$3,500	$1.54	13d	1	0.45mi
5032 Arancia Ln Ave Maria, FL	3.0	2.0	1525	$2,595	$1.70	15d	1	0.47mi
5265 Messina St Ave Maria, FL	3.0	2.5	1929	$4,995	$2.59	25d	1	0.47mi
5104 Salerno St Ave Maria, FL	4.0	3.0	2341	$5,595	$2.39	25d	1	0.48mi
5374 Ferris Ave Ave Maria, FL	3.0	2.5	1933	$2,350	$1.22	25d	1	0.50mi
5478 Double Eagle Cir #3521 Ave Maria, FL	2.0	2.0	1569	$4,995	$3.18	25d	1	0.50mi
5538 Useppa Dr Ave Maria, FL	2.0	2.5	1850	$10,995	$5.94	25d	1	0.51mi
5661 Melbourne Ct #8011 Ave Maria, FL	3.0	2.0	1741	$7,295	$4.19	13d	1	0.53mi
5667 Melbourne Ct #7812 Ave Maria, FL	3.0	2.0	1741	$6,250	$3.59	13d	1	0.53mi
4919 Frattina St Ave Maria, FL	4.0	3.0	2350	$3,300	$1.40	25d	1	0.54mi
4957 Gambero Way Unit 4957 Ave Maria, FL	4.0	3.0	1500	$3,400	$2.27	13d	1	0.54mi
5674 Melbourne Ct Unit 7721 Ave Maria, FL	3.0	2.0	2110	$7,295	$3.46	13d	1	0.57mi
4925 Gambero Way Ave Maria, FL	2.0	2.0	1525	$4,000	$2.62	25d	1	0.58mi
5680 Melbourne Ct #7521 Ave Maria, FL	3.0	2.0	2110	$2,650	$1.26	5d	1	0.58mi
5704 Melbourne Ct Ave Maria, FL	3.0	2.0	1741	$3,995	$2.29	25d	1	0.59mi
5739 Oakmont Ct Ave Maria, FL	3.0	2.0	1710	$3,700	$2.16	25d	1	0.64mi

HOA detail

• Monthly dues: $162 · $1,944/yr
• Likely covers: electric

Listing history 15 events

1. 2026-06-21
   days on market $549,900 Active 23 DOM
2. 2026-06-18
   days on market $549,900 Active 20 DOM
3. 2026-06-17
   days on market $549,900 Active 19 DOM
4. 2026-06-16
   days on market $549,900 Active 18 DOM
5. 2026-06-15
   days on market $549,900 Active 17 DOM
6. 2026-06-14
   days on market $549,900 Active 15 DOM
7. 2026-06-10
   days on market $549,900 Active 12 DOM
8. 2026-06-09
   days on market $549,900 Active 11 DOM
9. 2026-06-08
   days on market $549,900 Active 10 DOM
10. 2026-06-07
    days on market $549,900 Active 9 DOM
11. 2026-06-03
    days on market $549,900 Active 5 DOM
12. 2026-06-02
    days on market $549,900 Active 4 DOM
13. 2026-06-01
    days on market $549,900 Active 3 DOM
14. 2026-05-31
    days on market $549,900 Active 2 DOM
15. 2026-05-29
    listed $549,900 Active

ⓘ 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: $6,901 · $575/mo
• Projected year-2 tax: $6,901 · $575/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 1/10 Low FEMA zone AH · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 6 d/yr ≥111°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $53,886
• − Mortgage interest: −$30,803
• − Property taxes: −$6,901
• − Insurance: −$4,574
• − Repairs & maintenance: −$4,311
• − Management: −$4,311
• − HOA: −$1,944
• − Depreciation: −$15,997
• Taxable loss: −$14,955
• Est. tax savings @ 24.0%: +$3,589
• After-tax cash flow: $-1,865/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 · 12 photos

Good 80/100 Cosmetic rehab

This well-maintained single-family home in Ave Maria, FL, offers a good condition with modern updates and a good ROI potential for both resale and rental.

Value-add opportunities

• Resale Paint exterior trim — Enhances curb appeal and reflects well-maintained property
• Rental Clean gutters — Keeps property in good condition and prevents water damage

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint exterior trim — Enhances curb appeal and reflects well-maintained property ↑
• Rental Clean gutters — Keeps property in good condition and prevents water damage ↑

ⓘ 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 — Ave Maria

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

Census & demographics

• Census place: Ave Maria, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 35,149
• Household income: $62,333
• Rent vs Own: 48.7% rent · 51.3% own
• Severe rent burden: 1093.0

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: Majority Hispanic (63%)
• Race & ethnicity: Hispanic / Latino 63% Two or more races 39% Black 19% White 16% Native American 7%
• Hispanic origin (detail): Mexican 43% Puerto Rican 3% Cuban 2% Dominican 1%
• Common ancestry: Hispanic 8% Slovak 1% Serbian 1%
• Foreign-born: 32% · Canada, Jamaica
• Languages at home: 34% English-only · Spanish 53% French/Haitian/Cajun 12%

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: ▼ -1.05%
• Current HPI: 226.9105
• Rent YoY: ▲ 2.95%
• 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

1 event — show timeline

• 2026-05-29 Listed $549,900 NAPLESMLS

Property tax history

+6.4%/yr

Latest (2025): $6,901 · +6.4% YoY. Source: county tax records.