613 Beachwalk Cir Unit J-102 · Naples, FL
Flood risk 8/10 · Major
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.96%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 6 days/yr
- Hot days in 30 yrs
- 25 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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).
- ARV discount +15.0/15.0
- Cash flow +6.8/30.0
- Schools +6.7/10.0
- 1% rule +4.7/10.0
- Rent growth +4.7/5.0
- Livability +4.0/5.0
- Condition / age +3.8/5.0
- DSCR +1.0/10.0
- Appreciation +0.0/10.0
$525,000
613 Beachwalk Cir Unit J-102 · Naples, FL 34108
2 bd · 2.0 ba · 1,446 sqft · Condo
· 166 Days on market
Built 1987
$363/sqft
· 23% below area
Est $682k · 23% under
$1204/mo HOA · 24% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Own a piece of paradise within walking distance to Vanderbilt Beach one of Florida's premier beaches. The condo is located across from one of the two community pools and not far from the pedestrian gate & clubhouse. Dual sinks in the primary bathroom, walk in closet in primary bedroom, split floor plan, enclosed lanai for more living space, storage closet steps away. Beachwalk amenities include: two heated pools, hot tub, 6 lighted tennis courts, 24 hour manned gate, on site manager, bocce, clubhouse, & exercise room.
Key facts
- Heated pools
- Exercise room
- Manned gate
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath condo listed at $525k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-894 ($-11k/yr) — negative.
- To cash-flow at today's rent, offer at most $396k (24.6% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $507k (3.4% below list).
- Recommended offer: $396k (24.6% below list) — sets the bar for cash-flow.
- Cap rate 4.4% vs local median 2.4% in Naples — 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 80/100 on livability (#126 in FL, #1,903 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, employment A+; Watch: commute D+, cost of living 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: Naples Park Elementary School (math 67% / reading 57%, grade B, #608 of 2,144 statewide, top 29%, 395 students, 48% FRL); Pine Ridge Middle School (math 74% / reading 70%, grade A, #52 of 571 statewide, top 10%, 832 students, 31% 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 35% FRL vs 55% district-wide (20 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents rising fast (+8.7%/yr); 704 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
- At $5,069/mo this rent would consume 51% of the median local household income ($119k/yr) — 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 $4k of loan paydown is wiped out by about $16k 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 166 days — a 12% lower offer ($462k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: flood insurance adds $66/mo; HOA is 24% of rent.
- Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$395,663
(24.6% below list)
Questions for the listing agent
- 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?
- It's been on market 166 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are B-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?
- 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?
- 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.
- 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.
- 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
- 0.97% ✗
- Cap rate
- 4.40%
- Cash-on-cash
- -6.75%
- DSCR
- 0.70
- GRM
- 8.6
CMA / ARV
- ARV (median comp)
- $682,129
- List price
- $525,000
- Delta
- -23.04%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 910 Vanderbilt Beach Rd #315 | 0.99mi | 2/2.0 | 1,386 (-4%) | 0mo | $307,000 | $222 | 58 |
| 793 91st Ave N | 0.55mi | 3/2.0 (+1) | 1,332 (-8%) | 0mo | $605,000 | $454 | 56 |
| 781 107th Ave | 1.20mi | 3/2.0 (+1) | 1,473 (+2%) | 1mo | $342,800 | $233 | 56 |
| 750 Bentwater Cir #203 | 0.32mi | 3/2.0 (+1) | 1,703 (+18%) | 0mo | $925,000 | $543 | 55 |
| 7049 Barrington Cir #101 | 1.07mi | 3/2.0 (+1) | 1,527 (+6%) | 1mo | $636,500 | $417 | 50 |
| 750 95th Ave N | 0.54mi | 2/2.0 | 1,102 (-24%) | 0mo | $760,000 | $690 | 49 |
| 7100 Barrington Cir #101 | 0.99mi | 3/2.5 (+1) | 1,521 (+5%) | 0mo | $780,000 | $513 | 49 |
| 526 100th Ave N | 0.64mi | 2/2.0 | 1,714 (+18%) | 1mo | $680,000 | $397 | 45 |
| 640 110th Ave N | 1.26mi | 3/2.0 (+1) | 1,313 (-9%) | 1mo | $620,000 | $472 | 44 |
| 819 98th Ave N | 0.82mi | 3/2.0 (+1) | 1,287 (-11%) | 0mo | $500,000 | $389 | 42 |
| 540 102nd Ave N | 0.76mi | 3/2.0 (+1) | 1,804 (+25%) | 0mo | $765,000 | $424 | 35 |
| 699 99th Ave N | 0.67mi | 3/3.0 (+1) | 1,703 (+18%) | 1mo | $1,000,000 | $587 | 34 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 8.0% rent growth · sell at horizon
5-year hold
- IRR
- -21.2%
- Equity multiple
- 0.22×
- Total profit
- $-114,353
- Equity at exit
- $78,279
10-year hold
- IRR
- -3.8%
- Equity multiple
- 0.68×
- Total profit
- $-47,464
- Equity at exit
- $45,392
Cash invested: $147,000 (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.
Active competition Active MLS
- For sale now
- 28 active · 11 under contract
- Median asking
- $650,000 ($455/sqft)
- Median days on market
- 137 d
- This list price
- 21% of active listings are priced below it
- ARV vs active asking
- +3.7% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34108
- Rents YoY
- 8.7%
- Active inventory
- 704
- Price-to-rent
- 8.6×
Monthly cashflow live
↻
- Estimated rent
- $5,069 medium interval (Pro) →
- Mortgage (P&I)
- −$2,753
- Tax est. 1.5%
- −$656 /mo · $7,875/yr
- Insurance
- −$219
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$1,204
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$1,065
- Net cashflow
- $-894
Break-even live
Break-even rent
$6,201
Max offer price
$395,663
Occupancy floor
—
Sensitivity live
| Price | -10% $-531 | -5% $-712 | +0% $-894 | +5% $-1,075 | +10% $-1,257 |
|---|---|---|---|---|---|
| Rent | -10% $-1,294 | -5% $-1,094 | +0% $-894 | +5% $-694 | +10% $-493 |
| Rate | -1.0pp $-629 | -0.5pp $-760 | base $-894 | +0.5pp $-1,030 | +1.0pp $-1,168 |
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
- $131,250
- Closing costs
- $15,750
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 613 Beachwalk Cir Unit J Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 63d | 1 | 0.02mi |
| 613 Beachwalk Cir Unit J-204 Naples, FL | 3.0 | 2.0 | 1450 | $8,500 | $5.86 | 63d | 1 | 0.02mi |
| 565 Beachwalk Cir Unit T104 Naples, FL | 3.0 | 2.0 | 1450 | $6,750 | $4.66 | 63d | 1 | 0.05mi |
| 565 Beachwalk Cir Unit T-102 Naples, FL | 2.0 | 2.0 | 1350 | $7,300 | $5.41 | 63d | 1 | 0.05mi |
| 607 Beachwalk Cir Unit K-204 Naples, FL | 3.0 | 2.0 | 1450 | $8,000 | $5.52 | 63d | 1 | 0.05mi |
| 631 Beachwalk Cir Unit F204 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.06mi |
| 559 Beachwalk Cir Apt 203U Naples, FL | 2.0 | 2.0 | 1350 | $7,000 | $5.19 | 63d | 1 | 0.06mi |
| 559 Beachwalk Cir Unit U204 Naples, FL | 3.0 | 2.0 | 1472 | $7,500 | $5.10 | 63d | 1 | 0.06mi |
| 577 Beachwalk Cir Unit R202 Naples, FL | 2.0 | 2.0 | 1350 | $5,000 | $3.70 | 63d | 1 | 0.08mi |
| 549 Beachwalk Cir Naples, FL | 2.0 | 2.0 | 1359 | $7,500 | $5.52 | 72d | 1 | 0.08mi |
| 522 Beachwalk Cir Naples, FL | 2.0 | 2.0 | 1359 | $6,000 | $4.42 | 72d | 1 | 0.12mi |
| 643 Beachwalk Cir Unit D-202 Naples, FL | 2.0 | 2.0 | 1350 | $5,950 | $4.41 | 63d | 1 | 0.12mi |
| 589 Beachwalk Cir Unit P-203 Naples, FL | 2.0 | 2.0 | 1350 | $8,000 | $5.93 | 63d | 1 | 0.14mi |
| 592 Beachwalk Cir Unit N202 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.14mi |
| 649 Beachwalk Cir Unit C101 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.15mi |
| 586 Beachwalk Cir Unit O205 Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 72d | 1 | 0.17mi |
| 586 Beachwalk Cir Unit O-205 Naples, FL | 2.0 | 2.0 | 1350 | $7,800 | $5.78 | 63d | 1 | 0.17mi |
| 586 Beachwalk Cir Unit O-305 Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 63d | 1 | 0.17mi |
| 655 Windsurf Ln Unit 1546357P Naples, FL | 3.0 | 2.0 | 1442 | $3,376 | $2.34 | 63d | 1 | 0.17mi |
| 661 Windsurf Ln Unit A-202 Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 63d | 1 | 0.17mi |
| 831 Sailaway Ln #104 Naples, FL | 3.0 | 2.5 | 1831 | $14,000 | $7.65 | 72d | 1 | 0.18mi |
| 831 Sailaway Ln #203 Naples, FL | 3.0 | 2.0 | 1862 | $13,000 | $6.98 | 72d | 1 | 0.18mi |
| 837 Sailaway Ln #202 Naples, FL | 3.0 | 2.0 | 1703 | $11,500 | $6.75 | 72d | 1 | 0.21mi |
| 837 Sailaway Ln #204 Naples, FL | 3.0 | 2.5 | 1831 | $14,000 | $7.65 | 72d | 1 | 0.21mi |
| 460 Launch Cir #301 Naples, FL | 3.0 | 2.0 | 1630 | $3,000 | $1.84 | 72d | 1 | 0.22mi |
| 9101 Vanderbilt Dr #203 Naples, FL | 2.0 | 2.0 | 1154 | $10,500 | $9.10 | 63d | 1 | 0.24mi |
| 9101 Vanderbilt Dr #304 Naples, FL | 2.0 | 2.0 | 1335 | $11,000 | $8.24 | 63d | 1 | 0.24mi |
| 805 Bentwater Cir #104 Naples, FL | 3.0 | 2.5 | 1831 | $14,500 | $7.92 | 72d | 1 | 0.24mi |
| 450 Launch Cir #404 Naples, FL | 3.0 | 2.0 | 1635 | $3,000 | $1.83 | 72d | 1 | 0.24mi |
| 450 Launch Cir #602 Naples, FL | 3.0 | 2.0 | 1480 | $14,000 | $9.46 | 72d | 1 | 0.24mi |
| 595 93rd Ave N Naples, FL | 2.0 | 2.0 | 1374 | $5,000 | $3.64 | 72d | 1 | 0.24mi |
| 470 Launch Cir Unit V301 Naples, FL | 3.0 | 2.0 | 1475 | $3,500 | $2.37 | 63d | 1 | 0.24mi |
| 470 Launch Cir Unit V-405 Naples, FL | 3.0 | 2.0 | 1639 | $14,000 | $8.54 | 63d | 1 | 0.24mi |
| 470 Launch Cir Unit V-604 Naples, FL | 3.0 | 2.0 | 1475 | $3,000 | $2.03 | 63d | 1 | 0.24mi |
| 470 Launch Cir Naples, FL | 3.0 | 2.0 | 1555 | $3,950 | $2.54 | 72d | 2 | 0.24mi |
| 795 Bentwater Cir #204 Naples, FL | 3.0 | 2.0 | 1831 | $15,000 | $8.19 | 72d | 1 | 0.27mi |
| 650 93rd Ave N Unit 1073498P Naples, FL | 3.0 | 2.0 | 1442 | $5,136 | $3.56 | 63d | 1 | 0.27mi |
| 410 Flagship Dr #505 Naples, FL | 3.0 | 3.0 | 1860 | $4,000 | $2.15 | 72d | 1 | 0.29mi |
| 410 Flagship Dr #302 Naples, FL | 3.0 | 3.0 | 1839 | $14,500 | $7.88 | 72d | 1 | 0.29mi |
| 410 Flagship Dr #1105 Naples, FL | 3.0 | 3.0 | 1860 | $15,000 | $8.06 | 72d | 1 | 0.29mi |
Property features AI
Finance
- Financial info
- Condo fee shown as quarterly
- HOA & community
- Mandatory HOA (Beachwalk Gardens)Quarterly condo feeProfessional managementMaintenance covers cable, insurance, internet/WiFi, irrigation water, lawn/land maintenance, legal/accounting, manager, master association fee, pest control (interior & exterior), recreation facilities, reserve, security, street lights, street maintenance, and waterCommunity amenities include clubhouse, community pool, community spa/hot tub, exercise room, library, bocce court, tennis courts, community room, and streetlightsGated community with tennis facilitiesTotal annual recurring fees listed
Exterior
- Parking
- 1 assigned parking spaceGuest parking availableDetached 1-car carport
- Security
- Gated communityGuard at gate
- Utilities
- Central waterCentral sewerCable available
- Home design
- Residential propertyLow-rise building (1-3 stories)Zero lot lineRear exposure faces northwest
- Construction
- Built in 1987Concrete block constructionStucco exteriorTile roofSingle-hung windows
- Exterior features
- Automatic sprinklersStorageLake view / waterfront on a lakeCentral irrigation
Interior
- Kitchen
- DishwasherDisposalMicrowaveRangeRefrigerator/Freezer
- Bedrooms
- 2 bedrooms (split bedroom floor plan)
- Flooring
- CarpetLaminateTile
- Bathrooms
- 2 full bathroomsMaster bath with dual sinks and shower (no tub)
- Heating & cooling
- Central electric heatCentral electric air conditioningCeiling fans
- Interior features
- Custom mirrorsHigh-speed internet availableWalk-in closetWindow coveringsDining area in living roomEat-in kitchenGuest bathGuest roomScreened lanai/porchTurnkey furnished
- Laundry & utility
- WasherDryerLaundry in residence
HOA detail $1,204/mo · $14,448/yr condo
- Likely covers
- pool
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 43 events
-
2026-07-29days on market $525,000 Active 166 DOM
-
2026-07-27days on market $525,000 Active 164 DOM
-
2026-07-25days on market $525,000 Active 162 DOM
-
2026-07-24days on market $525,000 Active 161 DOM
-
2026-07-23days on market $525,000 Active 160 DOM
-
2026-07-22days on market $525,000 Active 159 DOM
-
2026-07-22days on market $525,000 Active 158 DOM
-
2026-07-18days on market $525,000 Active 155 DOM
-
2026-07-16days on market $525,000 Active 153 DOM
-
2026-07-16days on market $525,000 Active 152 DOM
-
2026-07-14days on market $525,000 Active 151 DOM
-
2026-07-14days on market $525,000 Active 150 DOM
-
2026-07-12days on market $525,000 Active 149 DOM
-
2026-07-11days on market $525,000 Active 148 DOM
-
2026-07-09days on market $525,000 Active 146 DOM
-
2026-07-08days on market $525,000 Active 145 DOM
-
2026-07-07days on market $525,000 Active 144 DOM
-
2026-07-06days on market $525,000 Active 143 DOM
-
2026-07-05days on market $525,000 Active 142 DOM
-
2026-07-04days on market $525,000 Active 141 DOM
-
2026-07-03days on market $525,000 Active 140 DOM
-
2026-07-02days on market $525,000 Active 139 DOM
-
2026-07-01days on market $525,000 Active 138 DOM
-
2026-06-30days on market $525,000 Active 137 DOM
-
2026-06-29days on market $525,000 Active 136 DOM
-
2026-06-28days on market $525,000 Active 135 DOM
-
2026-06-28days on market $525,000 Active 134 DOM
-
2026-06-27days on market $525,000 Active 133 DOM
-
2026-06-25days on market $525,000 Active 131 DOM
-
2026-06-23days on market $525,000 Active 129 DOM
-
2026-06-21days on market $525,000 Active 128 DOM
-
2026-06-18days on market $525,000 Active 125 DOM
-
2026-06-17days on market $525,000 Active 124 DOM
-
2026-06-16days on market $525,000 Active 123 DOM
-
2026-06-15days on market $525,000 Active 122 DOM
-
2026-06-14days on market $525,000 Active 120 DOM
-
2026-06-10days on market $525,000 Active 117 DOM
-
2026-06-09days on market $525,000 Active 116 DOM
-
2026-06-08days on market $525,000 Active 115 DOM
-
2026-06-07days on market $525,000 Active 114 DOM
-
2026-06-03days on market $525,000 Active 110 DOM
-
2026-06-03remarks 687-char remark
-
2026-06-03$525,000 Active 109 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 8/10 Severe FEMA zone X (shaded) · 96% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 10/10 Extreme 6 d/yr ≥107°F today · 25 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $60,832
- − Mortgage interest
- −$29,408
- − Property taxes
- −$7,875
- − Insurance
- −$3,422
- − Repairs & maintenance
- −$4,867
- − Management
- −$4,867
- − HOA
- −$14,448
- − Depreciation
- −$15,273
- Taxable loss
- −$19,327
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$4,639
- After-tax cash flow
- $-6,087/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 13 photos
75/100
Cosmetic rehab
Est. rehab $7,230–$21,690 screening
This well-maintained townhouse in Pelican Bay offers a good investment opportunity with minimal repairs needed and potential for value increase through updates.
Value-add opportunities
- Both update landscaping — enhances curb appeal and resale value ↑
- Both install smart home devices — increases rental appeal and convenience ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
C
Composite school gradezoned avg 67/100
Zoned Schools
Elementary
Naples Park Elementary School
B
FL #608/2,144
Nat'l #6,217/41,679
Middle
Pine Ridge Middle School
A
FL #52/571
Nat'l #685/14,009
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
A
Composite livability gradescore 80/100
Livability — Naples
- Score
- 80/100
- State rank
- #126
- US rank
- #1903
Category grades
Amenities A+
Commute D+
Cost of living F
Crime A+
Employment A+
Housing C+
Health & safety A+
User ratings C+
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Collier County · 420,858 people
- City population
- 344,941
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 16,237
- Household income
- $119,212
- Rent vs Own
- Severe rent burden
- 15% of renters
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 (87%)
- Race & ethnicity
- White 87% Hispanic / Latino 8% Two or more races 7% Asian 1% Black 1%
- Hispanic origin (detail)
- Mexican 2% Cuban 3%
- Common ancestry
- Romanian 5% Lithuanian 3% Slovak 3%
- Foreign-born
- 16% · Canada, Dominican Republic, South Korea
- Languages at home
- 86% English-only · Spanish 6% Russian/Polish/Slavic 2% Other Indo-European 2%
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
- ▼ -587.97%
- Current HPI
- 275.1872
- Rent YoY
- ▲ 8.74%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
1 event — show timeline
- 2026-02-13 Listed $525,000 NAPLESMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…