93 Silver Oaks Cir Unit 3-101 · Vineyards, FL 34119

$429,000

2 bd · 2.0 ba · 1,603 sqft · Condo public records · 27 Days on market

Built 1995 $726/mo HOA · 17% of rent

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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 +13.6/30.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• 1% rule +4.9/10.0
• DSCR +4.1/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to your next chapter at 93 Silver Oaks Cir, Unit 3101, nestled in the highly desirable Vineyards community of Naples. This beautifully maintained 2-bedroom plus den condo offers the perfect blend of comfort, space, and convenience — all with stunning views of the 13th hole right outside your lanai. Step into a bright and open living and dining area, where double corner windows fill the space with natural light. The updated kitchen shines with crisp white cabinetry, granite countertops, and a full suite of upgraded appliances, all replaced between 2020 and 2021. The spacious den provides a flexible area ideal for a home office, reading nook, or additional guest space, complete with large windows and a welcoming atmosphere. Designed with privacy in mind, the split-bedroom layout features a serene master suite overlooking the golf course and direct access to the screened lanai — your own private retreat. The master bathroom offers a large vanity, a separate shower, and plenty of room to unwind. Guests will appreciate the comfortable second bedroom and full bathroom featuring a tub and shower combo. This home offers true peace of mind with a professionally maintained A/C system, a newer tile roof installed in 2020, and a water heater replaced in August 2020. Living in the Vineyards isn’t just about owning a beautiful home — it’s about enjoying an exceptional lifestyle. Residents have access to a sparkling community pool, clubhouse, scenic walking trails, social events, nearby shopping and dining, and even an on-site elementary school. Plus, the white sand beaches of the Gulf and major highways are only a short drive away. This condo truly checks every box — don’t miss your opportunity to make it yours. Schedule your private showing today!

Key facts

• Vineyards community
• Glass backsplash
• Quartz counters

Tags

• SILVER OAKS SUBDIVISION
• VINEYARDS COMMUNITY
• LARGE DEN
• NEW SOLID-WOOD WHITE CABINETS
• QUARTZ COUNTERS
• GLASS BACKSPLASH

Property features AI

Finance

• Other: Unit is one of 8 in the building and one of 106 units in the complex; Single-floor unit (1 story); Possession at closing
• HOA & community: Mandatory HOA (professionally managed); Quarterly HOA fee; HOA maintenance covers cable, internet/Wi‑Fi, irrigation water, lawn/land maintenance, master association fee, pest control (interior & exterior), sewer, street lights, street maintenance, trash removal, and water; Community amenities include BBQ/picnic area, community pool, and community room; Community offers tennis facilities; Total annual recurring fees listed

Exterior

• Parking: Attached 1-car garage; Auto garage door
• Security: Guarded gate community
• Utilities: Central water; Central sewer; Cable available
• Home design: Residential property; Low-rise (1–3 stories); Carriage/coach style end-unit; Rear exposure faces southwest; Located in The Vineyards development (Silver Oaks subdivision)
• Construction: Concrete block construction; Built in 1995
• Exterior features: Stucco exterior; Tile roof; Double-hung windows; Central irrigation; Golf course view; Access road; Restrictions: no commercial, no motorcycles, no RVs, no trucks

Interior

• Kitchen: Range; Self-cleaning oven; Microwave; Dishwasher; Disposal; Refrigerator/freezer; Refrigerator/ice maker
• Bedrooms: 2 bedrooms plus den; First-floor bedroom; Master bedroom on ground level; Split bedroom floor plan
• Flooring: Vinyl flooring
• Bathrooms: 2 full bathrooms; Master bath with dual sinks and shower (no tub)
• Heating & cooling: Central electric heat; Central electric cooling
• Interior features: Fire sprinkler system; Foyer; Dining area (family); Screened lanai/porch; 7 total rooms; 5 ceiling fans
• Laundry & utility: Washer and dryer in residence; Laundry area inside

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $429k.

Deal economics

• At list price, monthly cash flow is $27 ($330/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 $423k (1.4% below list).
• Recommended offer: $423k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#679 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A-; Watch: health & safety D, amenities F, commute 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: Vineyards Elementary School (math 79% / reading 75%, grade A, #170 of 2,144 statewide, top 9%, 845 students, 27% FRL); Oakridge Middle School (math 75% / reading 67%, grade A, #59 of 571 statewide, top 11%, 1,183 students, 26% FRL); Barron Collier High School (math 62% / reading 68%, grade B, #76 of 667 statewide, top 11%, 1,650 students, 26% FRL) — zoned schools average 26% FRL vs 55% district-wide (29 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 71% at this address vs 58% district-wide (+13 pts) — the actual schools serving this property are materially stronger than the Collier average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents soft (-2.5%/yr); 590 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); high-income renter base; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• This rent runs 45% of the median local income ($113k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k 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 27 days — a 2% lower offer ($423k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 9y 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.
• Current owner paid $325k; 32% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $422,565 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. 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?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 6.37%
• Cash-on-cash: 0.27%
• DSCR: 1.01
• GRM: 8.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -19.6%
• Equity multiple: 0.33×
• Total profit: $-79,881
• Equity at exit: $63,965

10-year hold

• IRR: -21.8%
• Equity multiple: 0.05×
• Total profit: $-114,071
• Equity at exit: $37,092

Cash invested: $120,120 (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 34119

• Rents YoY: -2.5%
• Active inventory: 590
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $4,229 high
• Mortgage (P&I): −$2,250
• Tax from tax record: −$159 /mo · $1,907/yr
• Insurance: −$179
• HOA: −$726
• Vacancy / Maint / Mgmt: −$888
• Net cashflow: $27

Break-even live

Break-even rent $4,194

Max offer price $429,000

Occupancy floor 94%

Sensitivity live

Price	-10% $270	-5% $149	+0% $27	+5% $-94	+10% $-215
Rent	-10% $-307	-5% $-140	+0% $27	+5% $195	+10% $362
Rate	-1.0pp $244	-0.5pp $137	base $27	+0.5pp $-84	+1.0pp $-197

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: $107,250
• Closing costs: $12,870
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
89 Silver Oaks Cir #5103 Naples, FL	2.0	2.0	1373	$2,800	$2.04	23d	1	0.02mi
57 Silver Oaks Cir #13103 Naples, FL	2.0	2.0	1373	$5,000	$3.64	23d	1	0.07mi
56 Silver Oaks Cir Unit 102 Naples, FL	2.0	2.0	1373	$4,500	$3.28	15d	1	0.08mi
210 Vintage Cir Unit C401 Naples, FL	3.0	2.0	1520	$6,500	$4.28	15d	1	0.13mi
200 Vintage Cir Unit D304 Naples, FL	3.0	2.0	1492	$2,800	$1.88	15d	1	0.13mi
230 Vintage Cir Unit A-404 Naples, FL	2.0	2.0	1290	$5,000	$3.88	15d	1	0.14mi
152 Napa Ridge Way Naples, FL	3.0	2.0	1775	$7,000	$3.94	25d	1	0.15mi
155 Vintage Cir #103 Naples, FL	2.0	2.0	1500	$5,000	$3.33	15d	1	0.19mi
224 Via Perignon Unit 5-4 Naples, FL	2.0	2.5	2085	$6,000	$2.88	23d	1	0.20mi
172 Vintage Cir #202 Naples, FL	3.0	2.0	1774	$5,195	$2.93	15d	1	0.20mi
102 Tuscana Ct #901 Naples, FL	2.0	2.0	1631	$2,300	$1.41	25d	1	0.22mi
271 Perignon Pl Unit 16-1 Naples, FL	2.0	2.0	1449	$2,700	$1.86	25d	1	0.23mi
103 Tuscana Ct #1107 Naples, FL	2.0	2.0	1412	$5,000	$3.54	25d	1	0.24mi
106 Siena Way #1508 Naples, FL	2.0	2.0	1414	$4,500	$3.18	25d	1	0.25mi
104 Siena Way #1407 Naples, FL	2.0	2.0	1450	$7,000	$4.83	25d	1	0.26mi
6025 Chardonnay Ln Unit 1Unit 102 Naples, FL	2.0	2.0	1414	$2,195	$1.55	25d	1	0.33mi
5950 Almaden Dr Naples, FL	3.0	2.0	1762	$6,500	$3.69	25d	1	0.33mi
6260 Bellerive Ave #402 Naples, FL	3.0	2.0	1708	$7,000	$4.10	23d	1	0.39mi
116 Fountain Cir Naples, FL	3.0	2.0	1561	$4,500	$2.88	25d	1	0.39mi
515 Laguna Royale Blvd #102 Naples, FL	3.0	2.0	1900	$2,995	$1.58	15d	1	0.76mi
1190 Reserve Way #304 Naples, FL	2.0	2.0	1059	$2,900	$2.74	25d	1	0.84mi
575 El Camino Real Unit 6 Naples, FL	2.0	2.0	2050	$3,700	$1.80	15d	1	0.85mi
1180 Reserve Way Naples, FL	1.0–2.0	1.0–2.0	954	$2,000	$2.10	25d	2	0.86mi
1180 Reserve Way Naples, FL	1.0–2.0	1.0–2.0	912	$1,990	$2.18	15d	3	0.86mi
580 El Camino Real #3805 Naples, FL	2.0	2.0	1772	$13,500	$7.62	25d	1	0.88mi
1220 Reserve Way #305 Naples, FL	2.0	2.0	1059	$1,950	$1.84	25d	1	0.88mi
1205 Reserve Way #302 Naples, FL	3.0	2.0	1239	$2,300	$1.86	15d	1	0.95mi
1303 Verde Dr Unit 1603 Naples, FL	3.0	2.0	1877	$2,500	$1.33	15d	1	1.06mi
1299 Verde Dr Unit 1503 Naples, FL	3.0	2.0	1744	$4,200	$2.41	15d	1	1.08mi
734 Regency Reserve Cir #2701 Naples, FL	2.0	2.0	2058	$7,900	$3.84	25d	1	1.10mi
730 Regency Reserve Cir #2802 Naples, FL	2.0	2.0	2050	$8,000	$3.90	25d	1	1.10mi
1105 Reserve Ct #206 Naples, FL	2.0	2.0	1100	$2,000	$1.82	15d	1	1.12mi
1105 Reserve Ct #307 Naples, FL	3.0	2.0	1239	$1,995	$1.61	15d	1	1.12mi
1115 Reserve Ct Unit 2 Naples, FL	2.0	2.0	1100	$1,800	$1.64	15d	1	1.13mi
713 Regency Reserve Cir #5902 Naples, FL	3.0	2.0	2050	$7,200	$3.51	25d	1	1.18mi
713 Regency Reserve Cir #5901 Naples, FL	2.0	2.0	2050	$3,295	$1.61	15d	1	1.18mi
5356 Sycamore Dr Naples, FL	3.0	2.0	2060	$4,000	$1.94	25d	1	1.21mi
801 Regency Reserve Cir #4301 Naples, FL	3.0	2.0	2050	$6,800	$3.32	25d	1	1.22mi
1256 Carpazi Ct Unit 502 Naples, FL	3.0	2.0	1744	$2,495	$1.43	15d	1	1.23mi
1256 Carpazi Ct #502 Naples, FL	3.0	2.0	1744	$2,495	$1.43	25d	1	1.23mi

HOA detail condo

• Monthly dues: $726 · $8,712/yr
• Likely covers: waterpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 25 events

1. 2026-06-07
   days on market $429,000 Active 27 DOM
2. 2026-06-03
   days on market $429,000 Active 23 DOM
3. 2026-06-02
   days on market $429,000 Active 22 DOM
4. 2026-06-01
   days on market $429,000 Active 21 DOM
5. 2026-05-31
   days on market $429,000 Active 20 DOM
6. 2026-05-30
   days on market $429,000 Active 19 DOM
7. 2026-05-11
   listed $429,000 Active
8. 2025-08-15
   soldstatus $325,000 Sold 1820-char remark

   Show marketing remark (1820 chars)

   Welcome to your next chapter at 93 Silver Oaks Cir, Unit 3101, nestled in the highly desirable Vineyards community of Naples. This beautifully maintained 2-bedroom plus den condo offers the perfect blend of comfort, space, and convenience — all with stunning views of the 13th hole right outside your lanai. Step into a bright and open living and dining area, where double corner windows fill the space with natural light. The updated kitchen shines with crisp white cabinetry, granite countertops, and a full suite of upgraded appliances, all replaced between 2020 and 2021. The spacious den provides a flexible area ideal for a home office, reading nook, or additional guest space, complete with large windows and a welcoming atmosphere. Designed with privacy in mind, the split-bedroom layout features a serene master suite overlooking the golf course and direct access to the screened lanai — your own private retreat. The master bathroom offers a large vanity, a separate shower, and plenty of room to unwind. Guests will appreciate the comfortable second bedroom and full bathroom featuring a tub and shower combo. This home offers true peace of mind with a professionally maintained A/C system, a newer tile roof installed in 2020, and a water heater replaced in August 2020. Living in the Vineyards isn’t just about owning a beautiful home — it’s about enjoying an exceptional lifestyle. Residents have access to a sparkling community pool, clubhouse, scenic walking trails, social events, nearby shopping and dining, and even an on-site elementary school. Plus, the white sand beaches of the Gulf and major highways are only a short drive away. This condo truly checks every box — don’t miss your opportunity to make it yours. Schedule your private showing today!

9. 2025-08-15
   soldstatus $325,000

   Show marketing remark (1820 chars)

   Welcome to your next chapter at 93 Silver Oaks Cir, Unit 3101, nestled in the highly desirable Vineyards community of Naples. This beautifully maintained 2-bedroom plus den condo offers the perfect blend of comfort, space, and convenience — all with stunning views of the 13th hole right outside your lanai. Step into a bright and open living and dining area, where double corner windows fill the space with natural light. The updated kitchen shines with crisp white cabinetry, granite countertops, and a full suite of upgraded appliances, all replaced between 2020 and 2021. The spacious den provides a flexible area ideal for a home office, reading nook, or additional guest space, complete with large windows and a welcoming atmosphere. Designed with privacy in mind, the split-bedroom layout features a serene master suite overlooking the golf course and direct access to the screened lanai — your own private retreat. The master bathroom offers a large vanity, a separate shower, and plenty of room to unwind. Guests will appreciate the comfortable second bedroom and full bathroom featuring a tub and shower combo. This home offers true peace of mind with a professionally maintained A/C system, a newer tile roof installed in 2020, and a water heater replaced in August 2020. Living in the Vineyards isn’t just about owning a beautiful home — it’s about enjoying an exceptional lifestyle. Residents have access to a sparkling community pool, clubhouse, scenic walking trails, social events, nearby shopping and dining, and even an on-site elementary school. Plus, the white sand beaches of the Gulf and major highways are only a short drive away. This condo truly checks every box — don’t miss your opportunity to make it yours. Schedule your private showing today!

10. 2025-07-30
    status Pending 1820-char remark

    Show marketing remark (1820 chars)

    Welcome to your next chapter at 93 Silver Oaks Cir, Unit 3101, nestled in the highly desirable Vineyards community of Naples. This beautifully maintained 2-bedroom plus den condo offers the perfect blend of comfort, space, and convenience — all with stunning views of the 13th hole right outside your lanai. Step into a bright and open living and dining area, where double corner windows fill the space with natural light. The updated kitchen shines with crisp white cabinetry, granite countertops, and a full suite of upgraded appliances, all replaced between 2020 and 2021. The spacious den provides a flexible area ideal for a home office, reading nook, or additional guest space, complete with large windows and a welcoming atmosphere. Designed with privacy in mind, the split-bedroom layout features a serene master suite overlooking the golf course and direct access to the screened lanai — your own private retreat. The master bathroom offers a large vanity, a separate shower, and plenty of room to unwind. Guests will appreciate the comfortable second bedroom and full bathroom featuring a tub and shower combo. This home offers true peace of mind with a professionally maintained A/C system, a newer tile roof installed in 2020, and a water heater replaced in August 2020. Living in the Vineyards isn’t just about owning a beautiful home — it’s about enjoying an exceptional lifestyle. Residents have access to a sparkling community pool, clubhouse, scenic walking trails, social events, nearby shopping and dining, and even an on-site elementary school. Plus, the white sand beaches of the Gulf and major highways are only a short drive away. This condo truly checks every box — don’t miss your opportunity to make it yours. Schedule your private showing today!

11. 2025-07-19
    status Pending With Contingencies 1820-char remark

    Show marketing remark (1820 chars)

    Welcome to your next chapter at 93 Silver Oaks Cir, Unit 3101, nestled in the highly desirable Vineyards community of Naples. This beautifully maintained 2-bedroom plus den condo offers the perfect blend of comfort, space, and convenience — all with stunning views of the 13th hole right outside your lanai. Step into a bright and open living and dining area, where double corner windows fill the space with natural light. The updated kitchen shines with crisp white cabinetry, granite countertops, and a full suite of upgraded appliances, all replaced between 2020 and 2021. The spacious den provides a flexible area ideal for a home office, reading nook, or additional guest space, complete with large windows and a welcoming atmosphere. Designed with privacy in mind, the split-bedroom layout features a serene master suite overlooking the golf course and direct access to the screened lanai — your own private retreat. The master bathroom offers a large vanity, a separate shower, and plenty of room to unwind. Guests will appreciate the comfortable second bedroom and full bathroom featuring a tub and shower combo. This home offers true peace of mind with a professionally maintained A/C system, a newer tile roof installed in 2020, and a water heater replaced in August 2020. Living in the Vineyards isn’t just about owning a beautiful home — it’s about enjoying an exceptional lifestyle. Residents have access to a sparkling community pool, clubhouse, scenic walking trails, social events, nearby shopping and dining, and even an on-site elementary school. Plus, the white sand beaches of the Gulf and major highways are only a short drive away. This condo truly checks every box — don’t miss your opportunity to make it yours. Schedule your private showing today!

12. 2025-05-28
    price $363,000 1820-char remark

    Show marketing remark (1820 chars)

    Welcome to your next chapter at 93 Silver Oaks Cir, Unit 3101, nestled in the highly desirable Vineyards community of Naples. This beautifully maintained 2-bedroom plus den condo offers the perfect blend of comfort, space, and convenience — all with stunning views of the 13th hole right outside your lanai. Step into a bright and open living and dining area, where double corner windows fill the space with natural light. The updated kitchen shines with crisp white cabinetry, granite countertops, and a full suite of upgraded appliances, all replaced between 2020 and 2021. The spacious den provides a flexible area ideal for a home office, reading nook, or additional guest space, complete with large windows and a welcoming atmosphere. Designed with privacy in mind, the split-bedroom layout features a serene master suite overlooking the golf course and direct access to the screened lanai — your own private retreat. The master bathroom offers a large vanity, a separate shower, and plenty of room to unwind. Guests will appreciate the comfortable second bedroom and full bathroom featuring a tub and shower combo. This home offers true peace of mind with a professionally maintained A/C system, a newer tile roof installed in 2020, and a water heater replaced in August 2020. Living in the Vineyards isn’t just about owning a beautiful home — it’s about enjoying an exceptional lifestyle. Residents have access to a sparkling community pool, clubhouse, scenic walking trails, social events, nearby shopping and dining, and even an on-site elementary school. Plus, the white sand beaches of the Gulf and major highways are only a short drive away. This condo truly checks every box — don’t miss your opportunity to make it yours. Schedule your private showing today!

13. 2025-04-28
    listed $382,500 Active 1820-char remark

    Show marketing remark (1820 chars)

    Welcome to your next chapter at 93 Silver Oaks Cir, Unit 3101, nestled in the highly desirable Vineyards community of Naples. This beautifully maintained 2-bedroom plus den condo offers the perfect blend of comfort, space, and convenience — all with stunning views of the 13th hole right outside your lanai. Step into a bright and open living and dining area, where double corner windows fill the space with natural light. The updated kitchen shines with crisp white cabinetry, granite countertops, and a full suite of upgraded appliances, all replaced between 2020 and 2021. The spacious den provides a flexible area ideal for a home office, reading nook, or additional guest space, complete with large windows and a welcoming atmosphere. Designed with privacy in mind, the split-bedroom layout features a serene master suite overlooking the golf course and direct access to the screened lanai — your own private retreat. The master bathroom offers a large vanity, a separate shower, and plenty of room to unwind. Guests will appreciate the comfortable second bedroom and full bathroom featuring a tub and shower combo. This home offers true peace of mind with a professionally maintained A/C system, a newer tile roof installed in 2020, and a water heater replaced in August 2020. Living in the Vineyards isn’t just about owning a beautiful home — it’s about enjoying an exceptional lifestyle. Residents have access to a sparkling community pool, clubhouse, scenic walking trails, social events, nearby shopping and dining, and even an on-site elementary school. Plus, the white sand beaches of the Gulf and major highways are only a short drive away. This condo truly checks every box — don’t miss your opportunity to make it yours. Schedule your private showing today!

14. 2020-11-13
    soldstatus $259,000
15. 2020-11-02
    soldstatus $259,000 Sold 1201-char remark

    Show marketing remark (1201 chars)

    Live your dream in this tastefully furnished and ready to move in 2 bedrooms plus den condo in the popular Vineyards Community. A magnificent view of the 13th hole from your open living room and dining room area and large double corner windows in the dining room for tons of light. The kitchen has white cabinets and granite countertopsand is full equipped. A spacious den with large window for extra light and split bedrooms on different sides of the unit offers space and privacy if desired. The master bedroom overlooks the golf course with a door that opens into the lanai. The master has a large bathroom with a separate shower. The guest bedroom has another full bathroom with tub and shower. Mechanicals are strong in this home, with the air conditioner 3 years old, a new tiled roof, and a water heater installed in August of 2020. There is something for everyone at the Vineyards. .. shopping, restaurants community pool, clubhouse, social events and it's own elementary school. Add the Gulf of Mexico a short drive away and access to major highways, this condo checks all of the boxes. As we say in Naples, .. ."It doesn't get any better than this!" Come see for yourselves.

16. 2020-10-03
    status Pending With Contingencies 1201-char remark

    Show marketing remark (1201 chars)

    Live your dream in this tastefully furnished and ready to move in 2 bedrooms plus den condo in the popular Vineyards Community. A magnificent view of the 13th hole from your open living room and dining room area and large double corner windows in the dining room for tons of light. The kitchen has white cabinets and granite countertopsand is full equipped. A spacious den with large window for extra light and split bedrooms on different sides of the unit offers space and privacy if desired. The master bedroom overlooks the golf course with a door that opens into the lanai. The master has a large bathroom with a separate shower. The guest bedroom has another full bathroom with tub and shower. Mechanicals are strong in this home, with the air conditioner 3 years old, a new tiled roof, and a water heater installed in August of 2020. There is something for everyone at the Vineyards. .. shopping, restaurants community pool, clubhouse, social events and it's own elementary school. Add the Gulf of Mexico a short drive away and access to major highways, this condo checks all of the boxes. As we say in Naples, .. ."It doesn't get any better than this!" Come see for yourselves.

17. 2020-08-14
    listed $264,000 Active 1201-char remark

    Show marketing remark (1201 chars)

    Live your dream in this tastefully furnished and ready to move in 2 bedrooms plus den condo in the popular Vineyards Community. A magnificent view of the 13th hole from your open living room and dining room area and large double corner windows in the dining room for tons of light. The kitchen has white cabinets and granite countertopsand is full equipped. A spacious den with large window for extra light and split bedrooms on different sides of the unit offers space and privacy if desired. The master bedroom overlooks the golf course with a door that opens into the lanai. The master has a large bathroom with a separate shower. The guest bedroom has another full bathroom with tub and shower. Mechanicals are strong in this home, with the air conditioner 3 years old, a new tiled roof, and a water heater installed in August of 2020. There is something for everyone at the Vineyards. .. shopping, restaurants community pool, clubhouse, social events and it's own elementary school. Add the Gulf of Mexico a short drive away and access to major highways, this condo checks all of the boxes. As we say in Naples, .. ."It doesn't get any better than this!" Come see for yourselves.

18. 2018-11-30
    historical
19. 2018-04-30
    status Active
20. 2018-04-13
    historical
21. 2018-02-24
    price $259,900
22. 2017-11-16
    listed $269,900 Active
23. 2004-03-24
    soldstatus $182,500
24. 2001-12-21
    soldstatus $160,000
25. 1995-11-03
    soldstatus $139,900

ⓘ 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: $1,907 · $159/mo
• Projected year-2 tax: $3,561 · $297/mo
• Expected delta: +$1,654/yr (+$138/mo · 86.7%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 6 d/yr ≥107°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $50,747
• − Mortgage interest: −$24,031
• − Property taxes: −$1,907
• − Insurance: −$2,145
• − Repairs & maintenance: −$4,060
• − Management: −$4,060
• − HOA: −$8,712
• − Depreciation: −$12,480
• Taxable loss: −$6,647
• Est. tax savings @ 24.0%: +$1,595
• After-tax cash flow: $1,925/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 — Vineyards

• Score: 64/100
• State rank: #679
• US rank: #14101

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Vineyards, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 36,807
• Household income: $113,391
• Rent vs Own: 16.4% rent · 83.6% own
• Severe rent burden: 741.0

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 (74%)
• Race & ethnicity: White 74% Hispanic / Latino 20% Two or more races 14% Black 1%
• Hispanic origin (detail): Mexican 6% Puerto Rican 2% Cuban 4% Dominican 2%
• Common ancestry: Romanian 4% Lithuanian 2% Italian 2%
• Foreign-born: 17% · Canada, Jamaica, Dominican Republic
• Languages at home: 78% English-only · Spanish 15% Other Indo-European 3% Russian/Polish/Slavic 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: ▼ -243.12%
• Current HPI: 269.3208
• Rent YoY: ▼ -2.51%
• 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

+206.6% since first listed

19 events — show timeline

• 2026-05-11 Listed $429,000 NAPLESMLS
• 2025-08-15 Sold (Public Records) $325,000 Public Records
• 2025-08-15 Sold (MLS) $325,000 NAPLESMLS
• 2025-07-30 Pending — NAPLESMLS
• 2025-07-19 Pending — NAPLESMLS
• 2025-05-28 Price Changed $363,000 NAPLESMLS
• 2025-04-28 Listed $382,500 NAPLESMLS
• 2020-11-13 Sold (Public Records) $259,000 Public Records
• 2020-11-02 Sold (MLS) $259,000 NAPLESMLS
• 2020-10-03 Pending — NAPLESMLS
• 2020-08-14 Listed $264,000 NAPLESMLS
• 2018-11-30 Listing Removed — NAPLESMLS
• 2018-04-30 Relisted — NAPLESMLS
• 2018-04-13 Listing Removed — NAPLESMLS
• 2018-02-24 Price Changed $259,900 NAPLESMLS
• 2017-11-16 Listed $269,900 NAPLESMLS
• 2004-03-24 Sold (Public Records) $182,500 Public Records
• 2001-12-21 Sold (Public Records) $160,000 Public Records
• 1995-11-03 Sold (Public Records) $139,900 Public Records

Property tax history

+2.3%/yr

Latest (2025): $1,907 · +0.0% YoY. Source: county tax records.