13437 Turnleaf Blvd · Punta Gorda, FL 33955

$289,990

3 bd · 2.0 ba · 1,657 sqft · Land · 45 Days on market

Built 2026 653 sqft lot $23/mo HOA ↓ 22% since listing

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.6/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. Under Construction. Low- Maintenance 3 bedroom- 2 bath one story home located in Punta Gorda’s newest Resort-Style Community, Turnleaf. This open-concept one story home features a modern kitchen featuring 42 inch upper cabinets, sleek charcoal grey quartz counters, vented microwave, upper and lower cabinet lighting, and walk-in pantry. 12x24 Grey tile throughout kitchen, dining, great room, bathrooms, and laundry. Large Guest bedrooms are separated by a shared bathroom featuring two sinks and tile surround tub/ shower combination. The rear of the home features a two-way slider leading out to your water-view covered lanai. End your day in your Owner’s suite bedroom featuring an oversized walk in closet, and luxury appointed bathroom with two-sink vanity and tile surround, walk-in shower. Conveniently located minutes from historic downtown Punta Gorda, the area’s finest marinas, the area’s top golf courses, Punta Gorda Airport, Peace River Botanical Gardens, Miles of nature trails at Charlotte County Nature Preserve and more!

Key facts

• Open layout
• Covered lanai
• Center island

Tags

• OPEN LAYOUT
• CENTER ISLAND
• WALK-IN PANTRY
• COVERED LANAI
• SPACIOUS WALK-IN CLOSET

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $290k.

Deal economics

• At list price, monthly cash flow is $2k ($28k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $290k).
• Recommended offer: $281k (3.0% below list) — sets the bar for market timing.
• Cap rate 15.8% vs local median 2.8% in Punta Gorda — 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 76/100 on livability (#225 in FL, #3,567 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, health & safety A+, housing B; Watch: cost of living D+, amenities D-, 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: East Elementary School (math 67% / reading 68%, grade B+, #435 of 2,144 statewide, top 21%, 761 students, 52% FRL); Punta Gorda Middle School (math 54% / reading 52%, grade C+, #209 of 571 statewide, top 37%, 1,120 students, 41% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
• Market conditions: 1490 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• At $5,267/mo this rent would consume 82% of the median local household income ($77k/yr) (locally 226% 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 $9k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $81k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($281k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $281,290 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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 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: 1.82% ✓
• Cap rate: 15.84%
• Cash-on-cash: 34.08%
• DSCR: 2.52
• GRM: 4.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 29.5%
• Equity multiple: 2.23×
• Total profit: $99,886
• Equity at exit: $43,238

10-year hold

• IRR: 36.8%
• Equity multiple: 4.40×
• Total profit: $276,072
• Equity at exit: $25,073

Cash invested: $81,197 (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 33955

• Home prices YoY: -24.5%
• Active inventory: 1490
• Price-to-rent: 4.6×

Monthly cashflow live

• Estimated rent: $5,267 high
• Mortgage (P&I): −$1,521
• Tax from tax record: −$190 /mo · $2,280/yr
• Insurance: −$121
• HOA: −$23
• Vacancy / Maint / Mgmt: −$1,106
• Net cashflow: $2,306

Break-even live

Break-even rent $2,348

Max offer price $289,990

Occupancy floor 51%

Sensitivity live

Price	-10% $2,470	-5% $2,388	+0% $2,306	+5% $2,224	+10% $2,142
Rent	-10% $1,890	-5% $2,098	+0% $2,306	+5% $2,514	+10% $2,722
Rate	-1.0pp $2,452	-0.5pp $2,380	base $2,306	+0.5pp $2,231	+1.0pp $2,155

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: $72,498
• Closing costs: $8,700
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13239 Turnleaf Blvd Punta Gorda, FL	4.0	2.5	1874	$2,300	$1.23	15d	1	0.28mi
25115 Longmeadow Dr Punta Gorda, FL	4.0	2.0	2245	$8,500	$3.79	22d	1	1.19mi
25222 Keygrass Ct Punta Gorda, FL	4.0	3.0	2247	$5,000	$2.23	22d	1	1.20mi
14041 Heritage Landing Blvd #642 Punta Gorda, FL	2.0	2.0	1154	$6,000	$5.20	22d	1	1.34mi
14051 Heritage Landing Blvd Unit Reservation spot 1 Punta Gorda, FL	2.0	2.0	1198	$2,600	$2.17	22d	1	1.37mi
14051 Heritage Landing Blvd Punta Gorda, FL	2.0–3.0	2.0	1280	$6,000	$4.69	22d	2	1.37mi
14050 Heritage Landing Blvd #226 Punta Gorda, FL	2.0	2.0	1596	$6,500	$4.07	22d	1	1.39mi
14061 Heritage Landing Blvd Punta Gorda, FL	2.0–3.0	2.0	1302	$6,500	$4.99	22d	3	1.40mi
14081 Heritage Landing Blvd Punta Gorda, FL	2.0	2.0	1176	$5,750	$4.89	22d	2	1.45mi
14271 Heritage Landing Blvd Punta Gorda, FL	2.0	2.0	1355	$6,500	$4.80	22d	1	1.46mi
14091 Heritage Landing Blvd Punta Gorda, FL	2.0	2.0	1157	$5,000	$4.32	22d	2	1.48mi
14091 Heritage Landing Blvd Unit Reservation spot 1 Punta Gorda, FL	2.0	2.0	1194	$5,000	$4.19	22d	1	1.48mi
13263 Valrico Ter Punta Gorda, FL	3.0	2.0	1628	$1,500	$0.92	22d	1	1.48mi

HOA detail

• Monthly dues: $23 · $276/yr
• Likely covers: water

Listing history 9 events

1. 2026-05-18
   soldstatus $285,990 Closed 1114-char remark

   Show marketing remark (1114 chars)

   One or more photo(s) has been virtually staged. Under Construction. Low- Maintenance 3 bedroom- 2 bath one story home located in Punta Gorda’s newest Resort-Style Community, Turnleaf. This open-concept one story home features a modern kitchen featuring 42 inch upper cabinets, sleek charcoal grey quartz counters, vented microwave, upper and lower cabinet lighting, and walk-in pantry. 12x24 Grey tile throughout kitchen, dining, great room, bathrooms, and laundry. Large Guest bedrooms are separated by a shared bathroom featuring two sinks and tile surround tub/ shower combination. The rear of the home features a two-way slider leading out to your water-view covered lanai. End your day in your Owner’s suite bedroom featuring an oversized walk in closet, and luxury appointed bathroom with two-sink vanity and tile surround, walk-in shower. Conveniently located minutes from historic downtown Punta Gorda, the area’s finest marinas, the area’s top golf courses, Punta Gorda Airport, Peace River Botanical Gardens, Miles of nature trails at Charlotte County Nature Preserve and more!

2. 2026-03-28
   status Pending
3. 2026-03-26
   status Pending 1114-char remark

   Show marketing remark (1114 chars)

   One or more photo(s) has been virtually staged. Under Construction. Low- Maintenance 3 bedroom- 2 bath one story home located in Punta Gorda’s newest Resort-Style Community, Turnleaf. This open-concept one story home features a modern kitchen featuring 42 inch upper cabinets, sleek charcoal grey quartz counters, vented microwave, upper and lower cabinet lighting, and walk-in pantry. 12x24 Grey tile throughout kitchen, dining, great room, bathrooms, and laundry. Large Guest bedrooms are separated by a shared bathroom featuring two sinks and tile surround tub/ shower combination. The rear of the home features a two-way slider leading out to your water-view covered lanai. End your day in your Owner’s suite bedroom featuring an oversized walk in closet, and luxury appointed bathroom with two-sink vanity and tile surround, walk-in shower. Conveniently located minutes from historic downtown Punta Gorda, the area’s finest marinas, the area’s top golf courses, Punta Gorda Airport, Peace River Botanical Gardens, Miles of nature trails at Charlotte County Nature Preserve and more!

4. 2026-03-10
   price $289,990 1114-char remark

   Show marketing remark (1114 chars)

   One or more photo(s) has been virtually staged. Under Construction. Low- Maintenance 3 bedroom- 2 bath one story home located in Punta Gorda’s newest Resort-Style Community, Turnleaf. This open-concept one story home features a modern kitchen featuring 42 inch upper cabinets, sleek charcoal grey quartz counters, vented microwave, upper and lower cabinet lighting, and walk-in pantry. 12x24 Grey tile throughout kitchen, dining, great room, bathrooms, and laundry. Large Guest bedrooms are separated by a shared bathroom featuring two sinks and tile surround tub/ shower combination. The rear of the home features a two-way slider leading out to your water-view covered lanai. End your day in your Owner’s suite bedroom featuring an oversized walk in closet, and luxury appointed bathroom with two-sink vanity and tile surround, walk-in shower. Conveniently located minutes from historic downtown Punta Gorda, the area’s finest marinas, the area’s top golf courses, Punta Gorda Airport, Peace River Botanical Gardens, Miles of nature trails at Charlotte County Nature Preserve and more!

5. 2026-03-10
   price $289,990

   Show marketing remark (1114 chars)

   One or more photo(s) has been virtually staged. Under Construction. Low- Maintenance 3 bedroom- 2 bath one story home located in Punta Gorda’s newest Resort-Style Community, Turnleaf. This open-concept one story home features a modern kitchen featuring 42 inch upper cabinets, sleek charcoal grey quartz counters, vented microwave, upper and lower cabinet lighting, and walk-in pantry. 12x24 Grey tile throughout kitchen, dining, great room, bathrooms, and laundry. Large Guest bedrooms are separated by a shared bathroom featuring two sinks and tile surround tub/ shower combination. The rear of the home features a two-way slider leading out to your water-view covered lanai. End your day in your Owner’s suite bedroom featuring an oversized walk in closet, and luxury appointed bathroom with two-sink vanity and tile surround, walk-in shower. Conveniently located minutes from historic downtown Punta Gorda, the area’s finest marinas, the area’s top golf courses, Punta Gorda Airport, Peace River Botanical Gardens, Miles of nature trails at Charlotte County Nature Preserve and more!

6. 2026-02-11
   listed $299,990 Active
7. 2025-11-06
   price $299,990 1114-char remark

   Show marketing remark (1114 chars)

   One or more photo(s) has been virtually staged. Under Construction. Low- Maintenance 3 bedroom- 2 bath one story home located in Punta Gorda’s newest Resort-Style Community, Turnleaf. This open-concept one story home features a modern kitchen featuring 42 inch upper cabinets, sleek charcoal grey quartz counters, vented microwave, upper and lower cabinet lighting, and walk-in pantry. 12x24 Grey tile throughout kitchen, dining, great room, bathrooms, and laundry. Large Guest bedrooms are separated by a shared bathroom featuring two sinks and tile surround tub/ shower combination. The rear of the home features a two-way slider leading out to your water-view covered lanai. End your day in your Owner’s suite bedroom featuring an oversized walk in closet, and luxury appointed bathroom with two-sink vanity and tile surround, walk-in shower. Conveniently located minutes from historic downtown Punta Gorda, the area’s finest marinas, the area’s top golf courses, Punta Gorda Airport, Peace River Botanical Gardens, Miles of nature trails at Charlotte County Nature Preserve and more!

8. 2025-10-18
   price $319,990 1114-char remark

   Show marketing remark (1114 chars)

   One or more photo(s) has been virtually staged. Under Construction. Low- Maintenance 3 bedroom- 2 bath one story home located in Punta Gorda’s newest Resort-Style Community, Turnleaf. This open-concept one story home features a modern kitchen featuring 42 inch upper cabinets, sleek charcoal grey quartz counters, vented microwave, upper and lower cabinet lighting, and walk-in pantry. 12x24 Grey tile throughout kitchen, dining, great room, bathrooms, and laundry. Large Guest bedrooms are separated by a shared bathroom featuring two sinks and tile surround tub/ shower combination. The rear of the home features a two-way slider leading out to your water-view covered lanai. End your day in your Owner’s suite bedroom featuring an oversized walk in closet, and luxury appointed bathroom with two-sink vanity and tile surround, walk-in shower. Conveniently located minutes from historic downtown Punta Gorda, the area’s finest marinas, the area’s top golf courses, Punta Gorda Airport, Peace River Botanical Gardens, Miles of nature trails at Charlotte County Nature Preserve and more!

9. 2025-09-28
   listed $368,014 Active 1114-char remark

   Show marketing remark (1114 chars)

   One or more photo(s) has been virtually staged. Under Construction. Low- Maintenance 3 bedroom- 2 bath one story home located in Punta Gorda’s newest Resort-Style Community, Turnleaf. This open-concept one story home features a modern kitchen featuring 42 inch upper cabinets, sleek charcoal grey quartz counters, vented microwave, upper and lower cabinet lighting, and walk-in pantry. 12x24 Grey tile throughout kitchen, dining, great room, bathrooms, and laundry. Large Guest bedrooms are separated by a shared bathroom featuring two sinks and tile surround tub/ shower combination. The rear of the home features a two-way slider leading out to your water-view covered lanai. End your day in your Owner’s suite bedroom featuring an oversized walk in closet, and luxury appointed bathroom with two-sink vanity and tile surround, walk-in shower. Conveniently located minutes from historic downtown Punta Gorda, the area’s finest marinas, the area’s top golf courses, Punta Gorda Airport, Peace River Botanical Gardens, Miles of nature trails at Charlotte County Nature Preserve and more!

ⓘ 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: $2,280 · $190/mo
• Projected year-2 tax: $2,407 · $201/mo
• Expected delta: +$127/yr (+$11/mo · 5.6%)

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

Taxation est. · year 1

• Rental income: $63,203
• − Mortgage interest: −$16,244
• − Property taxes: −$2,280
• − Insurance: −$1,450
• − Repairs & maintenance: −$5,056
• − Management: −$5,056
• − HOA: −$276
• − Depreciation: −$8,436
• Taxable income: $24,405
• Est. tax owed @ 24.0%: −$5,857
• After-tax cash flow: $21,818/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 — Punta Gorda

• Score: 76/100
• State rank: #225
• US rank: #3567

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Charlotte County · 196,994 people
• City population: 68,831
• Metro: Punta Gorda, FL
• Population (ZIP): 12,399
• Household income: $76,943
• Rent vs Own: 9.5% rent · 90.5% own
• Severe rent burden: 226.0

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 (84%)
• Race & ethnicity: White 84% Hispanic / Latino 10% Two or more races 9% Black 2%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2% Cuban 4%
• Common ancestry: Romanian 5% Italian 3% Serbian 3%
• Foreign-born: 8% · Canada
• Languages at home: 91% English-only · Spanish 5% 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: ▼ -78.71%
• Current HPI: 242.9043
• Rent YoY: —
• 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

-22.3% since first listed

9 events — show timeline

• 2026-05-18 Sold (MLS) $285,990 Stellar MLS as Distributed by MLS Grid
• 2026-03-28 Pending — FORTMLS
• 2026-03-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Price Changed $289,990 Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Price Changed $289,990 FORTMLS
• 2026-02-11 Listed $299,990 FORTMLS
• 2025-11-06 Price Changed $299,990 Stellar MLS as Distributed by MLS Grid
• 2025-10-18 Price Changed $319,990 Stellar MLS as Distributed by MLS Grid
• 2025-09-28 Listed $368,014 Stellar MLS as Distributed by MLS Grid