11068 Jacqueline Ave · Rotonda, FL 34224

$339,900

3 bd · 3.0 ba · 1,894 sqft · SingleFamily public records · 352 Days on market

Built 1988 0.46 ac lot Est $402k · 15% under ↓ 16% since listing

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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).

• ARV discount +14.4/15.0
• Cash flow +13.3/30.0
• Schools +4.6/10.0
• DSCR +4.0/10.0
• Livability +3.4/5.0
• 1% rule +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Back on the Market, buyer did not qualify for financing! Welcome to the vibrant Florida lifestyle at your fingertips! This 4-bedroom/3 bathroom home on a double lot is perfect for a large family. Many recent updates - new roof for durability and peace of mind; exterior paint for a clean, modern aesthetic; refreshed pool area with a new pool cage and pool pump; hurricane-impact windows to provide safety and energy efficiency; and updated plumbing. The heart of the home, the kitchen, boasts durable granite-surfaced countertops and stainless steel appliances. Built-in cabinet lighting creates a warm ambiance and enhances usability. The home is dotted with a number of built-ins to maximize spa

Key facts

• Refreshed pool area
• Double lot
• New roof

Tags

• DOUBLE LOT
• NEW ROOF
• REFRESHED POOL AREA
• HURRICANE-IMPACT WINDOWS
• UPDATED PLUMBING
• GRANITE-SURFACED COUNTERTOPS

Property features AI

Finance

• Other: Property type: Residential, single-family; Zoning: RSF3.5; Lot size: approximately 0.46 acres (1/4 to less than 1/2 acre); Living area about 1,894 sq ft (building area total 2,302 sq ft)
• Financial info: No lease restrictions noted; Homestead exemption indicated
• HOA & community: No association indicated; Pets allowed

Exterior

• Parking: Attached garage (1 space)
• Security: Private mailbox (mail security feature)
• Utilities: Public water available/connected; Septic tank sewer; Electricity connected; Cable available; Phone available
• Home design: Single-family residence; One story; Faces south
• Construction: Concrete and stucco construction; Shingle roof; Concrete perimeter foundation; Built in approximately (year not provided)
• Exterior features: Patio with screened area; Private pool (gunite, in-ground); Rain gutters; Private mailbox; Exterior lighting; Paved public-maintained road access; Lot dimensions approximately 160 x 125

Interior

• Kitchen: Range; Refrigerator; Dishwasher (not explicitly listed but common—omitted since not in data)
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Tile; Vinyl
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Built-in features; Lighting (interior/exterior noted under exterior features)
• Laundry & utility: Washer hookup inside; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $340k.

Deal economics

• At list price, monthly cash flow is $3 ($31/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 $267k (21.3% below list).
• Recommended offer: $267k (21.3% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 3.1% in Rotonda — 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 67/100 on livability (#548 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A-, cost of living B+; Watch: amenities F, commute F, health & safety D-.
• 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: Vineland Elementary School (math 74% / reading 67%, grade A-, #333 of 2,144 statewide, top 16%, 579 students, 45% FRL); L. A. Ainger Middle School (math 65% / reading 53%, grade B, #144 of 571 statewide, top 26%, 720 students, 40% FRL); Lemon Bay High School (math 50% / reading 56%, grade C-, #148 of 667 statewide, top 23%, 1,360 students, 28% FRL) — zoned schools average 38% FRL vs 54% district-wide (16 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents soft (-0.1%/yr); 737 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• At $2,673/mo this rent would consume 56% of the median local household income ($57k/yr) (locally 329% 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 $10k 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.

Negotiation context

• It's been on market 352 days — a 12% lower offer ($299k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $75k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $267,344 (21.3% below list)

Questions for the listing agent

1. It's been on market 352 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
6. 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.
7. 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.
8. 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: 0.79% ✗
• Cap rate: 6.30%
• Cash-on-cash: 0.03%
• DSCR: 1.00
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $401,528
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
11058 Gulfstream Blvd	0.17mi	3/2.0	1,934 (+2%)	2mo	$365,000	$189	83
11101 Sandrift Ave	0.16mi	3/2.0	1,844 (-3%)	7mo	$749,000	$406	79
11085 Sunnydale Ave	0.04mi	3/2.0	1,794 (-5%)	14mo	$350,000	$195	74
7385 Regina Dr	0.31mi	3/2.0	1,793 (-5%)	2mo	$205,500	$115	71
10436 Gulfstream Blvd	0.35mi	3/2.0	1,690 (-11%)	5mo	$395,000	$234	58
11330 Seabreeze Ave	0.50mi	3/2.0	1,752 (-8%)	9mo	$319,900	$183	52
10349 Greenway Ave	0.54mi	3/2.0	1,693 (-11%)	1mo	$297,900	$176	52
11149 Oceanspray Blvd	0.34mi	3/2.0	1,640 (-13%)	9mo	$354,000	$216	50
7429 Watson Ln	0.48mi	3/2.0	1,630 (-14%)	1mo	$350,000	$215	50
7371 Mullen Ln	0.61mi	3/2.0	1,685 (-11%)	0mo	$300,000	$178	49
7125 Fancy St	0.50mi	4/2.0 (+1)	2,032 (+7%)	9mo	$431,000	$212	48
7401 Teaberry St	0.59mi	3/2.0	1,645 (-13%)	0mo	$448,455	$273	46

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -19.4%
• Equity multiple: 0.34×
• Total profit: $-62,856
• Equity at exit: $50,680

10-year hold

• IRR: -19.1%
• Equity multiple: 0.10×
• Total profit: $-85,236
• Equity at exit: $29,388

Cash invested: $95,172 (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 34224

• Home prices YoY: -18.9%
• Rents YoY: -0.1%
• Active inventory: 737
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $2,673 high
• Mortgage (P&I): −$1,782
• Tax from tax record: −$185 /mo · $2,224/yr
• Insurance: −$142
• HOA: −$0
• Vacancy / Maint / Mgmt: −$561
• Net cashflow: $3

Break-even live

Break-even rent $2,670

Max offer price $339,900

Occupancy floor 95%

Sensitivity live

Price	-10% $195	-5% $99	+0% $3	+5% $-94	+10% $-190
Rent	-10% $-209	-5% $-103	+0% $3	+5% $108	+10% $214
Rate	-1.0pp $174	-0.5pp $89	base $3	+0.5pp $-86	+1.0pp $-175

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: $84,975
• Closing costs: $10,197
• Reserves months: —
• Total cash needed: —

Rent comps 33 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
114 Albatross Rd Rotonda West, FL	3.0	2.0	1648	$5,300	$3.22	22d	1	0.34mi
527 Rotonda Cir Rotonda West, FL	3.0	2.0	1586	$2,375	$1.50	22d	1	0.44mi
613 Boundary Blvd Rotonda West, FL	3.0	2.0	2469	$2,900	$1.17	22d	1	0.45mi
7152 Bougainvillea St Englewood, FL	3.0	3.0	2150	$4,500	$2.09	15d	1	0.47mi
589 Rotonda Cir Rotonda West, FL	3.0	2.5	2190	$4,200	$1.92	22d	1	0.49mi
7114 Sunnybrook Blvd Englewood, FL	4.0	2.0	1636	$2,297	$1.40	22d	1	0.52mi
107 Cottage Pl Rotonda West, FL	3.0	2.0	1397	$5,000	$3.58	22d	1	0.53mi
7352 Bolten Ln Port Charlotte, FL	3.0	2.0	1225	$2,319	$1.89	15d	1	0.55mi
11268 Oceanspray Blvd Englewood, FL	3.0	2.0	1702	$6,750	$3.97	22d	1	0.57mi
30 Pinehurst Pl Rotonda West, FL	3.0	3.0	2461	$3,900	$1.58	22d	1	0.81mi
11138 Pendleton Ave Unit 11136 Englewood, FL	3.0	2.0	1247	$1,495	$1.20	15d	1	0.82mi
6967 Crown Dr Unit B Englewood, FL	2.0	2.0	1272	$1,800	$1.42	22d	1	0.92mi
12005 Helicon Ave Port Charlotte, FL	4.0	2.0	1636	$2,800	$1.71	22d	1	0.94mi
11383 Baggot Ave Englewood, FL	3.0	2.0	1535	$2,000	$1.30	22d	1	0.94mi
686 Boundary Blvd Rotonda West, FL	3.0	2.5	2282	$2,800	$1.23	22d	1	0.98mi
10123 Bay Ave Englewood, FL	3.0	2.0	2010	$2,150	$1.07	22d	1	0.99mi
4414 N Access Rd Englewood, FL	2.0	2.0	1635	$1,900	$1.16	22d	1	1.01mi
12114 Clarendon Ave Port Charlotte, FL	3.0	2.0	1270	$2,400	$1.89	22d	1	1.12mi
6305 Shaw St Englewood, FL	3.0	2.0	1525	$2,100	$1.38	22d	1	1.18mi
6460 Blueberry Dr Englewood, FL	3.0	2.0	1672	$1,800	$1.08	22d	1	1.22mi
11065 Waterford Ave Englewood, FL	2.0	2.0	1271	$2,400	$1.89	22d	1	1.25mi
12073 Henley Ave Port Charlotte, FL	3.0	2.0	1263	$1,795	$1.42	22d	1	1.28mi
12 Broadmoor Rd Unit 1 Rotonda West, FL	3.0	2.0	2065	$3,500	$1.69	22d	1	1.34mi
25 Fairway Rd Rotonda West, FL	3.0	2.0	2068	$2,375	$1.15	22d	1	1.34mi
65 Fairway Rd Rotonda West, FL	3.0	2.0	1865	$2,700	$1.45	22d	1	1.37mi
22 Mariner Ln Rotonda West, FL	3.0	2.0	2015	$4,200	$2.08	22d	1	1.38mi
72 Long Meadow Ln Rotonda West, FL	3.0	2.0	1945	$1,920	$0.99	15d	1	1.39mi
138 Jade St Rotonda West, FL	3.0	2.0	1564	$1,869	$1.20	22d	1	1.39mi
80 Mariner Ln Rotonda West, FL	3.0	2.0	2052	$4,800	$2.34	22d	1	1.44mi
502 Sunset Rd N Rotonda West, FL	3.0	2.0	1636	$2,100	$1.28	22d	1	1.44mi
285 Mark Twain Ln Rotonda West, FL	3.0	2.0	1759	$1,750	$0.99	22d	1	1.46mi
135 David Blvd Rotonda West, FL	3.0	2.0	1880	$2,695	$1.43	15d	1	1.47mi
9400 New Martinsville Ave Englewood, FL	3.0	2.0	1879	$3,300	$1.76	22d	1	1.49mi

Listing history 24 events

1. 2026-06-22
   pricedays on market $339,900 Active 352 DOM
2. 2026-06-18
   days on market $350,000 Active 349 DOM
3. 2026-06-17
   days on market $350,000 Active 348 DOM
4. 2026-06-16
   days on market $350,000 Active 347 DOM
5. 2026-06-15
   days on market $350,000 Active 346 DOM
6. 2026-06-14
   days on market $350,000 Active 344 DOM
7. 2026-06-13
   days on market $350,000 Active 343 DOM
8. 2026-06-10
   days on market $350,000 Active 341 DOM
9. 2026-06-09
   days on market $350,000 Active 340 DOM
10. 2026-06-08
    days on market $350,000 Active 339 DOM
11. 2026-06-05
    days on market $350,000 Active 335 DOM
12. 2026-06-02
    days on market $350,000 Active 333 DOM
13. 2026-06-01
    days on market $350,000 Active 332 DOM
14. 2026-05-31
    days on market $350,000 Active 331 DOM
15. 2026-05-30
    days on market $350,000 Active 330 DOM
16. 2026-04-22
    price $350,000
17. 2026-03-22
    status Active
18. 2026-03-12
    status Pending
19. 2026-03-09
    price $360,000
20. 2025-11-25
    price $370,000
21. 2025-10-08
    price $380,000
22. 2025-08-16
    price $390,000
23. 2025-07-16
    price $400,000
24. 2025-06-24
    listed $415,000 Active

ⓘ 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: $2,224 · $185/mo
• Projected year-2 tax: $2,821 · $235/mo
• Expected delta: +$597/yr (+$50/mo · 26.8%)

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 40% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 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

Taxation est. · year 1

• Rental income: $32,081
• − Mortgage interest: −$19,040
• − Property taxes: −$2,224
• − Insurance: −$1,700
• − Repairs & maintenance: −$2,567
• − Management: −$2,567
• − Depreciation: −$9,888
• Taxable loss: −$5,903
• Est. tax savings @ 24.0%: +$1,417
• After-tax cash flow: $1,448/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 — Rotonda

• Score: 67/100
• State rank: #548
• US rank: #10359

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Charlotte County · 196,994 people
• City population: 10,490
• Metro: Punta Gorda, FL
• Population (ZIP): 15,536
• Household income: $57,281
• Rent vs Own: 17.8% rent · 82.2% own
• Severe rent burden: 329.0

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 (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 3% Asian 1%
• Common ancestry: Romanian 4% Slovak 4% Lithuanian 4%
• Foreign-born: 9% · Canada
• Languages at home: 92% English-only · Other Indo-European 2% Spanish 2% German/W. Germanic 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: ▼ -75.76%
• Current HPI: 325.0345
• Rent YoY: ▼ -0.11%
• 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

-15.7% since first listed

9 events — show timeline

• 2026-04-22 Price Changed $350,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-09 Price Changed $360,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-25 Price Changed $370,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-08 Price Changed $380,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-16 Price Changed $390,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-16 Price Changed $400,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-24 Listed $415,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.8%/yr

Latest (2025): $2,224 · +8.3% YoY. Source: county tax records.