335 Tamarindo Ln · Verona Walk, FL 34114

$690,000

4 bd · 2.0 ba · 2,077 sqft · SingleFamily public records · 199 Days on market

Built 2022 8,276 sqft lot $301/mo HOA · 4% of rent

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Why this score? — see what drove the C- 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 +18.4/30.0
• ARV discount +7.5/15.0
• DSCR +5.8/10.0
• Schools +5.0/10.0
• 1% rule +4.9/10.0
• Appreciation +4.3/10.0
• Rent growth +3.3/5.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0

Listing remarks

Immediate passive income opportunity!This beautiful 4-bedroom, 2-bath single-family home offers over 2,024 sq. ft. of living space with a 2-car garage, ideally located in the private, gated community of Tamarindo, off Collier Blvd across from Lely Resort. This spacious home features a modern kitchen with stainless steel appliances, quartz countertops, 42” soft-close cabinets, a large island, and a walk-in pantry. The open living and dining area flows seamlessly to a covered lanai—perfect for relaxing or entertaining. The primary suite includes his-and-hers walk-in closets and a luxurious bathroom with dual sinks and a walk-in shower. Additional highlights include impact-resistan

Key facts

• Quartz countertops
• Large island
• Modern kitchen

Tags

• PRIVATE GATED COMMUNITY
• MODERN KITCHEN
• STAINLESS STEEL APPLIANCES
• QUARTZ COUNTERTOPS
• LARGE ISLAND
• WALK-IN PANTRY

Property features AI

Finance

• HOA & community: Mandatory HOA; Quarterly master HOA fee of $902; One-time fee of $1,550; Total annual recurring fees $3,608; HOA provides irrigation water, lawn and landscape maintenance, manager, recreation facilities, and street lights; Professional management; Community amenities include clubhouse, community pool, exercise room, billiards, bocce court, pickleball courts, sidewalks, streetlights, and underground utilities; Gated community

Exterior

• Parking: Attached 2-car garage; Attached 2-car carport; Paved parking with 2+ spaces
• Security: Gated community; Impact resistant doors and windows
• Utilities: Central water; Central sewer; Cable available
• Home design: Single-family residential home; 1-story / ranch; Rear exposure facing west; Located in the TAMARINDO community
• Construction: Built in 2022; Concrete block construction; Stucco exterior finish; Tile roof; Impact resistant, single-hung and sliding windows
• Exterior features: Patio; Privacy wall; Room for pool; Automatic sprinkler system; Preserve view; Paved private road

Interior

• Kitchen: Kitchen island; Walk-in pantry; Electric cooktop; Disposal; Microwave; Refrigerator / freezer; Refrigerator with icemaker
• Bedrooms: 4 bedrooms; Split bedroom floor plan
• Flooring: Concrete; Tile
• Bathrooms: 2 full bathrooms; Master bath with dual sinks and shower (no tub)
• Heating & cooling: Central electric heat; Central electric air conditioning; Ceiling fans (4)
• Interior features: Built-in cabinets; Cable prewire; French doors; High-speed internet available; Laundry tub; Pantry; Smoke detectors; Volume ceiling; Walk-in closet; Open porch/lanai; Breakfast bar / dining (living)
• Laundry & utility: Laundry in residence; Washer; Dryer; Laundry tub

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $690k.

Deal economics

• At list price, monthly cash flow is $491 ($6k/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 $686k (0.6% below list).
• Recommended offer: $607k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 62/100 on livability (#746 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A, housing B+; Watch: health & safety D, schools F, amenities 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 rising (+3.2%/yr); 900 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $6,861/mo this rent would consume 92% of the median local household income ($89k/yr) (locally 550% 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 (-1.5%/yr); year-one equity from $5k of loan paydown is wiped out by about $10k 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 199 days — a 12% lower offer ($607k) 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.

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; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $607,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 199 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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.
8. 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.
9. 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: 0.99% ✗
• Cap rate: 7.41%
• Cash-on-cash: 4.00%
• DSCR: 1.18
• GRM: 8.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.48% appreciation · 3.21% rent growth · sell at horizon

5-year hold

• IRR: -4.1%
• Equity multiple: 0.82×
• Total profit: $-33,845
• Equity at exit: $150,774

10-year hold

• IRR: 3.4%
• Equity multiple: 1.30×
• Total profit: $58,871
• Equity at exit: $145,237

Cash invested: $193,200 (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 34114

• Home prices YoY: -0.6%
• Rents YoY: 3.2%
• Active inventory: 900
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $6,861 high
• Mortgage (P&I): −$3,618
• Tax from tax record: −$570 /mo · $6,842/yr
• Insurance: −$288
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$301
• Vacancy / Maint / Mgmt: −$1,441
• Net cashflow: $491

Break-even live

Break-even rent $6,239

Max offer price $690,000

Occupancy floor 88%

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: $172,500
• Closing costs: $20,700
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
339 Tamarindo Ln Naples, FL	4.0	3.0	2221	$3,699	$1.67	23d	1	0.03mi
317 Spiaggio Ct Naples, FL	3.0	2.0	2034	$4,200	$2.06	23d	1	0.10mi
379 Grace Bay Ln Naples, FL	3.0	2.0	1816	$8,000	$4.41	21d	1	0.31mi
8191 Lucello Ter S Naples, FL	3.0	3.0	2670	$10,000	$3.75	23d	1	0.38mi
8131 Lucello Ter S Naples, FL	3.0	3.5	2275	$5,400	$2.37	23d	1	0.44mi
8328 Lucello Ter N Naples, FL	3.0	2.0	1912	$9,500	$4.97	23d	1	0.44mi
8502 Palacio Ter N Naples, FL	3.0	3.5	2291	$10,000	$4.36	23d	1	0.59mi
8047 Sorrento Ln Naples, FL	3.0	3.0	1890	$2,750	$1.46	23d	1	0.65mi
7681 Sicilia Ct Naples, FL	5.0	3.5	2487	$4,500	$1.81	23d	1	0.66mi
8109 Chianti Ln Naples, FL	3.0	3.0	1860	$5,500	$2.96	23d	1	0.67mi
8437 Rosa Ct Naples, FL	3.0	3.5	2100	$3,900	$1.86	21d	1	0.68mi
8120 Acacia St Naples, FL	1.0–3.0	1.0–2.0	1128	$2,748	$2.44	14d	33	0.72mi
8558 Maggiore Ct Naples, FL	3.0	3.0	2275	$10,000	$4.40	23d	1	0.82mi
9028 Mayreau Way Naples, FL	3.0	2.0	1997	$2,800	$1.40	14d	1	0.88mi
8150 Rattlesnake Hammock Rd Naples, FL	3.0	1.0–2.0	1051	$3,461	$3.29	14d	115	0.90mi
7278 Salerno Ct Unit 1049689P Naples, FL	3.0	2.0	1539	$6,683	$4.34	14d	1	0.90mi
7294 Salerno Ct Naples, FL	3.0	2.0	1542	$4,250	$2.76	23d	1	0.91mi
7310 Salerno Ct Naples, FL	3.0	2.0	1540	$5,000	$3.25	23d	1	0.93mi
8051 Players Cove Dr #202 Naples, FL	3.0	3.0	2743	$3,499	$1.28	23d	1	1.01mi
8051 Players Cove Dr #102 Naples, FL	3.0	2.5	2091	$8,000	$3.83	23d	1	1.01mi
7812 Valencia Ct Naples, FL	3.0	2.0	1924	$12,000	$6.24	23d	1	1.06mi
8552 Collier Blvd Naples, FL	1.0–3.0	1.0–2.0	1248	$5,470	$4.38	14d	34	1.07mi
8539 Alessandria Ct Naples, FL	3.0	2.0	2000	$3,500	$1.75	21d	1	1.08mi
7831 Valencia Ct Naples, FL	3.0	2.0	1936	$12,000	$6.20	23d	1	1.12mi
3017 Juniper Way Naples, FL	3.0	2.5	2260	$3,300	$1.46	23d	1	1.16mi
7864 Valencia Ct Naples, FL	3.0	2.0	2190	$15,900	$7.26	14d	1	1.18mi
7863 Valencia Ct Naples, FL	3.0	2.0	2340	$12,300	$5.26	23d	1	1.19mi
8008 Signature Club Cir Naples, FL	3.0	3.5	2600	$10,000	$3.85	23d	1	1.20mi
8949 Malibu St #304 Naples, FL	3.0	2.0	1771	$6,500	$3.67	23d	1	1.22mi
7778 Ashton Rd Naples, FL	3.0	2.0	1975	$13,000	$6.58	23d	1	1.23mi
7785 Ashton Rd Naples, FL	3.0	3.0	1878	$13,000	$6.92	23d	1	1.23mi
7636 Sussex Ct Naples, FL	4.0	3.0	2293	$6,500	$2.83	23d	1	1.28mi
8664 Genova Ct Naples, FL	3.0	2.0	1554	$3,200	$2.06	23d	1	1.29mi
7672 Sussex Ct Naples, FL	4.0	2.0	2293	$12,500	$5.45	21d	1	1.29mi
4853 Hampshire Ct #107 Naples, FL	3.0	2.0	1772	$6,995	$3.95	14d	1	1.29mi
7771 Cottesmore Dr Naples, FL	3.0	2.5	2481	$14,000	$5.64	23d	1	1.32mi
8992 Cambria Cir Unit 1546062P Naples, FL	3.0	2.0	2002	$3,097	$1.55	14d	1	1.33mi
7895 Mahogany Run Ln Naples, FL	2.0–3.0	2.0	1339	$10,395	$7.76	14d	3	1.34mi
8125 Celeste Dr #5113 Naples, FL	3.0	2.0	1635	$7,000	$4.28	23d	1	1.36mi
8125 Celeste Dr #5216 Naples, FL	3.0	2.0	1640	$4,500	$2.74	23d	1	1.36mi

HOA detail

• Monthly dues: $301 · $3,612/yr
• Likely covers: security

Listing history 5 events

1. 2026-05-31
   days on market $690,000 Active 199 DOM
2. 2026-05-30
   days on market $690,000 Active 198 DOM
3. 2025-11-13
   listed $690,000 Active
4. 2025-08-09
   historical $3,500
5. 2025-05-05
   listed $3,500

ⓘ 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: $6,842 · $570/mo
• Projected year-2 tax: $6,842 · $570/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 5/10 Major FEMA zone AH · 26% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 27 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: $82,335
• − Mortgage interest: −$38,651
• − Property taxes: −$6,842
• − Insurance: −$5,274
• − Repairs & maintenance: −$6,587
• − Management: −$6,587
• − HOA: −$3,612
• − Depreciation: −$20,073
• Taxable loss: −$5,290
• Est. tax savings @ 24.0%: +$1,270
• After-tax cash flow: $7,165/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 — Verona Walk

• Score: 62/100
• State rank: #746
• US rank: #16132

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): 23,559
• Household income: $89,334
• Rent vs Own: 15.3% rent · 84.7% own
• Severe rent burden: 550.0

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 (72%)
• Race & ethnicity: White 72% Hispanic / Latino 17% Two or more races 13% Black 7%
• Hispanic origin (detail): Mexican 7% Puerto Rican 1% Cuban 3%
• Common ancestry: Hispanic 5% Romanian 4% Lithuanian 1%
• Foreign-born: 21% · Canada, Jamaica
• Languages at home: 75% English-only · Spanish 15% French/Haitian/Cajun 5% Other Indo-European 4%

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: ▼ -1.48%
• Current HPI: 266.5545
• Rent YoY: ▲ 3.21%
• 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

+19614.3% since first listed

3 events — show timeline

• 2025-11-13 Listed $690,000 NAPLESMLS
• 2025-08-09 Rental Removed $3,500 NAPLESMLS
• 2025-05-05 Listed for Rent $3,500 NAPLESMLS

Property tax history

+55.7%/yr

Latest (2025): $6,842 · +0.1% YoY. Source: county tax records.