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7029 Ambrosia Ln #606 🌊 Lakefront
D- Composite 39.59
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 +11.7/30.0
  • ARV discount +7.5/15.0
  • Schools +5.0/10.0
  • 1% rule +4.4/10.0
  • DSCR +3.4/10.0
  • Livability +3.2/5.0
  • Condition / age +2.5/5.0
  • Rent growth +1.9/5.0
  • Appreciation +0.0/10.0

$369,000

7029 Ambrosia Ln #606 · Island Walk, FL 34119
4 bd · 3.0 ba · 1,828 sqft · Condo public records · 101 Days on market
Built 2007 $466/mo HOA · 13% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Spacious Lakefront Townhome in Naples Welcome to this beautifully maintained townhome offering serene lake views and with a spacious covered lanai—perfect for relaxing or entertaining. This is the largest model in the community, featuring 4 bedrooms, 3 bathrooms, and a 1 car garage with 1,890 sq. ft. under air. Inside, you’ll find a bright, open floor plan with ceramic tile flooring on the main level and a well-appointed kitchen with granite countertops. The primary suite impresses with tray ceilings, a large walk-in closet, and a spa-like bath complete with dual vanities, a walk-in shower, and soaking tub. Enjoy resort-style living with access to a community pool, fitness center, and clubhouse—all within the security of a gated community. Conveniently located on Vanderbilt Beach Road, just minutes from I-75, shopping, dining, and Naples’ pristine beaches. This home combines comfort, space, and convenience—everything you need for family living in Naples. All cash offers requested.

Key facts

  • Water views
  • Primary suite
  • Covered lanai

Tags

LAKEFRONT TOWNHOMEWATER VIEWSCOVERED LANAIBRIGHT OPEN FLOOR PLANGRANITE KITCHENPRIMARY SUITE

Property features AI

Finance

  • Other: Pets allowed with no restrictions
  • Financial info: Association fee paid monthly
  • HOA & community: Monthly HOA fee (includes insurance, grounds and structure maintenance, common area maintenance, legal/accounting); Community amenities: clubhouse, pool, picnic area, business center, maintenance

Exterior

  • Parking: Attached garage with one covered space and garage door opener; One additional open parking space
  • Security: Security fence; Other security features
  • Utilities: Public water and sewer (standard utilities not explicitly listed)
  • Home design: Townhouse; Two-story building; First-floor entry; North-facing
  • Construction: Block construction
  • Exterior features: Patio; Fenced yard; Not waterfront

Interior

  • Kitchen: Electric range; Dishwasher; Microwave; Garbage disposal; Electric water heater
  • Bedrooms: One bedroom on the main level
  • Flooring: Laminate flooring; Tile flooring
  • Bathrooms: Three full bathrooms (two on the main level)
  • Heating & cooling: Central heating; Central air conditioning; Ceiling fans
  • Interior features: Blinds on windows; Unfurnished

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/3.0-bath condo listed at $369k.

Deal economics

  • At list price, monthly cash flow is $-109 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $350k (5.2% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $346k (6.3% below list).
  • Recommended offer: $336k (9.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 64/100 on livability (#692 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing B+; 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.
  • Market conditions: Rents soft (-2.5%/yr); 591 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); high-income renter base; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
  • This rent runs 37% 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 $11k 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 101 days — a 9% lower offer ($336k) is reasonable based on typical stale-listing flexibility.
  • 9 sale attempts since 16y ago; this cycle's ask has dropped $30k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $220k; list at $369k implies a 68% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: 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.
Recommended offer $335,790 (9.0% 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. It's been on market 101 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. 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?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. 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?
  8. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
  9. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
  10. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
  11. 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.
  12. 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.
  13. 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
0.94%
Cap rate
5.94%
Cash-on-cash
-1.27%
DSCR
0.94
GRM
8.9

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
-22.1%
Equity multiple
0.26×
Total profit
$-76,633
Equity at exit
$55,019
10-year hold
IRR
-27.6%
Equity multiple
-0.10×
Total profit
$-113,884
Equity at exit
$31,904

Cash invested: $103,320 (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.

ZIP-level market 34119

Rents YoY
-2.5%
Active inventory
591
Price-to-rent
8.9×

Monthly cashflow live

Estimated rent
$3,457 high interval (Pro) →
Mortgage (P&I)
$1,935
Tax from tax record
$285 /mo · $3,424/yr
Insurance
$154
HOA
$466
Vacancy / Maint / Mgmt
$726
Net cashflow
$-109

Break-even live

Break-even rent $3,595
Max offer price $349,757
Occupancy floor 98%

Sensitivity live

Price -10% $100 -5% $-4 +0% $-109 +5% $-213 +10% $-318
Rent -10% $-382 -5% $-245 +0% $-109 +5% $28 +10% $164
Rate -1.0pp $77 -0.5pp $-15 base $-109 +0.5pp $-205 +1.0pp $-302

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
$92,250
Closing costs
$11,070
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

AddressBedsBaths SqftRent$/sqft DOM Units Dist
7030 Torino Ter #2402 Naples, FL 4.0 2.5 1828 $3,291 $1.80 22d 1 0.00mi
7028 Ambrosia Ln #801 Naples, FL 4.0 3.0 1828 $3,141 $1.72 24d 1 0.02mi
7029 Ambrosia Ln #604 Naples, FL 4.0 2.5 1822 $2,495 $1.37 24d 1 0.03mi
7036 Ambrosia Ln #505 Naples, FL 3.0 2.5 1679 $3,079 $1.83 24d 1 0.07mi
7074 Venice Way #2603 Naples, FL 3.0 2.5 1679 $2,951 $1.76 24d 1 0.07mi
7047 Ambrosia Ln Naples, FL 3.0–4.0 2.5–3.0 1753 $3,363 $1.92 15d 38 0.07mi
7024 Ambrosia Ln #905 Naples, FL 3.0 2.5 1679 $3,079 $1.83 24d 1 0.09mi
7051 Ambrosia Ln #3501 Naples, FL 4.0 3.0 1828 $2,996 $1.64 24d 1 0.09mi
7012 Romana Way #1405 Naples, FL 3.0 2.5 1679 $3,154 $1.88 22d 1 0.10mi
7012 Romana Way #1408 Naples, FL 4.0 3.0 1828 $3,210 $1.76 22d 1 0.10mi
7012 Romana Way #1403 Naples, FL 4.0 2.5 1828 $3,291 $1.80 22d 1 0.10mi
7012 Romana Way #1406 Naples, FL 4.0 2.5 1828 $3,328 $1.82 22d 1 0.10mi
7012 Romana Way #1401 Naples, FL 4.0 3.0 1828 $3,216 $1.76 22d 1 0.10mi
7033 Ambrosia Ln #408 Naples, FL 4.0 3.0 1828 $3,110 $1.70 24d 1 0.10mi
7044 Ambrosia Ln #104 Naples, FL 4.0 2.5 1828 $3,288 $1.80 22d 1 0.11mi
7044 Ambrosia Ln #101 Naples, FL 4.0 3.0 1828 $3,145 $1.72 22d 1 0.11mi
7073 Venice Way #2705 Naples, FL 3.0 2.5 1679 $3,179 $1.89 24d 1 0.11mi
7073 Venice Way #2701 Naples, FL 4.0 3.0 1828 $3,241 $1.77 24d 1 0.11mi
7081 Venice Way #1808 Naples, FL 4.0 3.0 1833 $3,241 $1.77 24d 1 0.13mi
7009 Romana Way #1605 Naples, FL 3.0 2.5 1679 $2,800 $1.67 24d 1 0.14mi
7320 Rockefeller Dr Naples, FL 3.0 2.5 1841 $3,200 $1.74 24d 1 0.18mi
7501 Carnegie Way Naples, FL 3.0 2.5 1638 $3,100 $1.89 15d 1 0.21mi
7345 Rockefeller Dr Naples, FL 3.0 2.5 1868 $5,800 $3.10 15d 1 0.22mi
7596 Morgan Way Naples, FL 3.0 2.5 1841 $3,600 $1.96 24d 1 0.29mi
7414 Acorn Way Naples, FL 3.0 2.0 2300 $5,950 $2.59 24d 1 0.30mi
7608 Morgan Way Naples, FL 3.0 2.5 1771 $3,150 $1.78 24d 1 0.31mi
7611 Morgan Way Naples, FL 3.0 2.5 1712 $2,900 $1.69 24d 1 0.32mi
7555 Rockefeller Dr Naples, FL 3.0 2.5 1841 $3,150 $1.71 24d 1 0.34mi
7643 Morgan Way Naples, FL 3.0 2.5 1762 $2,900 $1.65 24d 1 0.36mi
7578 Rockefeller Dr Naples, FL 3.0 2.5 1712 $3,000 $1.75 24d 1 0.36mi
7302 Acorn Way Naples, FL 3.0 3.0 2300 $7,000 $3.04 24d 1 0.38mi
3471 Bravada Way Naples, FL 3.0 2.5 1771 $3,000 $1.69 24d 1 0.39mi
3019 Ellice Way Naples, FL 3.0 3.0 2181 $3,500 $1.60 22d 1 0.45mi
4274 Sonoma Oaks Cir Naples, FL 3.0 2.5 2018 $3,500 $1.73 24d 1 0.53mi
4275 Sonoma Oaks Cir Naples, FL 3.0 2.5 2000 $3,200 $1.60 24d 1 0.55mi
15122 Summit Place Cir #212 Naples, FL 3.0 2.5 2276 $2,750 $1.21 24d 1 0.65mi
14758 Sutherland Ave #412 Naples, FL 3.0 3.0 1800 $3,000 $1.67 24d 1 0.80mi
15582 Summit Place Cir #405 Naples, FL 3.0 2.5 1667 $3,000 $1.80 24d 1 0.81mi
14732 Sutherland Ave Naples, FL 4.0 3.0 2002 $2,550 $1.27 24d 1 0.84mi
14732 Sutherland Ave #332 Naples, FL 4.0 2.5 2002 $2,550 $1.27 24d 1 0.84mi

HOA detail condo

Monthly dues
$466 · $5,592/yr
Likely covers
poolgymsecurity
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 34 events

  1. 2026-06-21
    days on market $369,000 Active 101 DOM
  2. 2026-06-18
    days on market $369,000 Active 98 DOM
  3. 2026-06-17
    days on market $369,000 Active 97 DOM
  4. 2026-06-16
    days on market $369,000 Active 96 DOM
  5. 2026-06-15
    days on market $369,000 Active 95 DOM
  6. 2026-06-14
    days on market $369,000 Active 93 DOM
  7. 2026-06-10
    days on market $369,000 Active 90 DOM
  8. 2026-06-09
    days on market $369,000 Active 89 DOM
  9. 2026-06-08
    days on market $369,000 Active 88 DOM
  10. 2026-06-07
    pricedays on market $369,000 Active 87 DOM
  11. 2026-06-03
    days on market $389,000 Active 83 DOM
  12. 2026-06-02
    days on market $389,000 Active 82 DOM
  13. 2026-06-01
    days on market $389,000 Active 81 DOM
  14. 2026-05-31
    days on market $389,000 Active 80 DOM
  15. 2026-05-30
    days on market $389,000 Active 79 DOM
  16. 2026-05-07
    price $389,000 1026-char remark
    Show marketing remark (1026 chars)

    Spacious Lakefront Townhome in Naples Welcome to this beautifully maintained townhome offering serene lake views and with a spacious covered lanai—perfect for relaxing or entertaining. This is the largest model in the community, featuring 4 bedrooms, 3 bathrooms, and a 1 car garage with 1,890 sq. ft. under air. Inside, you’ll find a bright, open floor plan with ceramic tile flooring on the main level and a well-appointed kitchen with granite countertops. The primary suite impresses with tray ceilings, a large walk-in closet, and a spa-like bath complete with dual vanities, a walk-in shower, and soaking tub. Enjoy resort-style living with access to a community pool, fitness center, and clubhouse—all within the security of a gated community. Conveniently located on Vanderbilt Beach Road, just minutes from I-75, shopping, dining, and Naples’ pristine beaches. This home combines comfort, space, and convenience—everything you need for family living in Naples. All cash offers requested.

  17. 2026-05-07
    price $389,000
    Show marketing remark (1026 chars)

    Spacious Lakefront Townhome in Naples Welcome to this beautifully maintained townhome offering serene lake views and with a spacious covered lanai—perfect for relaxing or entertaining. This is the largest model in the community, featuring 4 bedrooms, 3 bathrooms, and a 1 car garage with 1,890 sq. ft. under air. Inside, you’ll find a bright, open floor plan with ceramic tile flooring on the main level and a well-appointed kitchen with granite countertops. The primary suite impresses with tray ceilings, a large walk-in closet, and a spa-like bath complete with dual vanities, a walk-in shower, and soaking tub. Enjoy resort-style living with access to a community pool, fitness center, and clubhouse—all within the security of a gated community. Conveniently located on Vanderbilt Beach Road, just minutes from I-75, shopping, dining, and Naples’ pristine beaches. This home combines comfort, space, and convenience—everything you need for family living in Naples. All cash offers requested.

  18. 2026-04-01
    status Active 1026-char remark
    Show marketing remark (1026 chars)

    Spacious Lakefront Townhome in Naples Welcome to this beautifully maintained townhome offering serene lake views and with a spacious covered lanai—perfect for relaxing or entertaining. This is the largest model in the community, featuring 4 bedrooms, 3 bathrooms, and a 1 car garage with 1,890 sq. ft. under air. Inside, you’ll find a bright, open floor plan with ceramic tile flooring on the main level and a well-appointed kitchen with granite countertops. The primary suite impresses with tray ceilings, a large walk-in closet, and a spa-like bath complete with dual vanities, a walk-in shower, and soaking tub. Enjoy resort-style living with access to a community pool, fitness center, and clubhouse—all within the security of a gated community. Conveniently located on Vanderbilt Beach Road, just minutes from I-75, shopping, dining, and Naples’ pristine beaches. This home combines comfort, space, and convenience—everything you need for family living in Naples. All cash offers requested.

  19. 2026-04-01
    status Active
    Show marketing remark (1026 chars)

    Spacious Lakefront Townhome in Naples Welcome to this beautifully maintained townhome offering serene lake views and with a spacious covered lanai—perfect for relaxing or entertaining. This is the largest model in the community, featuring 4 bedrooms, 3 bathrooms, and a 1 car garage with 1,890 sq. ft. under air. Inside, you’ll find a bright, open floor plan with ceramic tile flooring on the main level and a well-appointed kitchen with granite countertops. The primary suite impresses with tray ceilings, a large walk-in closet, and a spa-like bath complete with dual vanities, a walk-in shower, and soaking tub. Enjoy resort-style living with access to a community pool, fitness center, and clubhouse—all within the security of a gated community. Conveniently located on Vanderbilt Beach Road, just minutes from I-75, shopping, dining, and Naples’ pristine beaches. This home combines comfort, space, and convenience—everything you need for family living in Naples. All cash offers requested.

  20. 2026-03-31
    historical
  21. 2025-10-02
    status Active 1026-char remark
    Show marketing remark (1026 chars)

    Spacious Lakefront Townhome in Naples Welcome to this beautifully maintained townhome offering serene lake views and with a spacious covered lanai—perfect for relaxing or entertaining. This is the largest model in the community, featuring 4 bedrooms, 3 bathrooms, and a 1 car garage with 1,890 sq. ft. under air. Inside, you’ll find a bright, open floor plan with ceramic tile flooring on the main level and a well-appointed kitchen with granite countertops. The primary suite impresses with tray ceilings, a large walk-in closet, and a spa-like bath complete with dual vanities, a walk-in shower, and soaking tub. Enjoy resort-style living with access to a community pool, fitness center, and clubhouse—all within the security of a gated community. Conveniently located on Vanderbilt Beach Road, just minutes from I-75, shopping, dining, and Naples’ pristine beaches. This home combines comfort, space, and convenience—everything you need for family living in Naples. All cash offers requested.

  22. 2025-09-17
    listed $399,000 Active 1026-char remark
    Show marketing remark (1026 chars)

    Spacious Lakefront Townhome in Naples Welcome to this beautifully maintained townhome offering serene lake views and with a spacious covered lanai—perfect for relaxing or entertaining. This is the largest model in the community, featuring 4 bedrooms, 3 bathrooms, and a 1 car garage with 1,890 sq. ft. under air. Inside, you’ll find a bright, open floor plan with ceramic tile flooring on the main level and a well-appointed kitchen with granite countertops. The primary suite impresses with tray ceilings, a large walk-in closet, and a spa-like bath complete with dual vanities, a walk-in shower, and soaking tub. Enjoy resort-style living with access to a community pool, fitness center, and clubhouse—all within the security of a gated community. Conveniently located on Vanderbilt Beach Road, just minutes from I-75, shopping, dining, and Naples’ pristine beaches. This home combines comfort, space, and convenience—everything you need for family living in Naples. All cash offers requested.

  23. 2025-09-16
    listed $399,000 Active
  24. 2019-07-15
    soldstatus $220,000
  25. 2019-06-20
    soldstatus $220,000 Sold 489-char remark
    Show marketing remark (489 chars)

    Great location, and priced for a quick sale! Here is the home you have been looking for! Open concept spacious home, ideal for entertaining. Open View of the Screened Lanai with view of Outdoor Lake Side. This property is close to shopping centers, schools, restaurants, beautiful Floridian beaches and the main attractions of the City. The house was upgraded last year with new kitchen cabinets, granite countertops. The HOA monthly payment is 415, the basic cable and water are included.

  26. 2019-05-16
    status Pending With Contingencies 489-char remark
    Show marketing remark (489 chars)

    Great location, and priced for a quick sale! Here is the home you have been looking for! Open concept spacious home, ideal for entertaining. Open View of the Screened Lanai with view of Outdoor Lake Side. This property is close to shopping centers, schools, restaurants, beautiful Floridian beaches and the main attractions of the City. The house was upgraded last year with new kitchen cabinets, granite countertops. The HOA monthly payment is 415, the basic cable and water are included.

  27. 2019-03-29
    listed $224,900 Active 489-char remark
    Show marketing remark (489 chars)

    Great location, and priced for a quick sale! Here is the home you have been looking for! Open concept spacious home, ideal for entertaining. Open View of the Screened Lanai with view of Outdoor Lake Side. This property is close to shopping centers, schools, restaurants, beautiful Floridian beaches and the main attractions of the City. The house was upgraded last year with new kitchen cabinets, granite countertops. The HOA monthly payment is 415, the basic cable and water are included.

  28. 2019-03-20
    historical
  29. 2018-12-04
    price $235,000
  30. 2018-10-05
    listed $239,000 Active
  31. 2011-01-07
    soldstatus $108,000
  32. 2010-11-10
    historical
  33. 2010-11-01
    listed $104,900
  34. 2010-01-04
    listed $99,000

ⓘ 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
$3,424 · $285/mo
Projected year-2 tax
$3,424 · $285/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 X (unshaded) · 0% 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 2 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$41,488
− Mortgage interest
−$20,670
− Property taxes
−$3,424
− Insurance
−$1,845
− Repairs & maintenance
−$3,319
− Management
−$3,319
− HOA
−$5,592
− Depreciation
−$10,735
Taxable loss
−$7,416
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,780
After-tax cash flow
$473/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 — Island Walk

Score
64/100
State rank
#692
US rank
#14444

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

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

Price history

+292.9% since first listed
19 events — show timeline
  • 2026-05-07 Price Changed $389,000 BEARMLS
  • 2026-05-07 Price Changed $389,000 Beaches MLS
  • 2026-04-01 Relisted BEARMLS
  • 2026-04-01 Relisted Beaches MLS
  • 2026-03-31 Listing Removed Beaches MLS
  • 2025-10-02 Relisted BEARMLS
  • 2025-09-17 Listed $399,000 BEARMLS
  • 2025-09-16 Listed $399,000 Beaches MLS
  • 2019-07-15 Sold (Public Records) $220,000 Public Records
  • 2019-06-20 Sold (MLS) $220,000 NAPLESMLS
  • 2019-05-16 Pending NAPLESMLS
  • 2019-03-29 Listed $224,900 NAPLESMLS
  • 2019-03-20 Listing Removed NAPLESMLS
  • 2018-12-04 Price Changed $235,000 NAPLESMLS
  • 2018-10-05 Listed $239,000 NAPLESMLS
  • 2011-01-07 Sold (MLS) $108,000 NAPLESMLS
  • 2010-11-10 Listing Removed FORTMLS
  • 2010-11-01 Listed $104,900 NAPLESMLS
  • 2010-01-04 Listed $99,000 FORTMLS

Property tax history

+8.8%/yr

Latest (2025): $3,424 · +7.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…