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13 High Point Cir N #203
B- Composite 66.01
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 +25.1/30.0
  • 1% rule +8.7/10.0
  • DSCR +8.2/10.0
  • ARV discount +7.5/15.0
  • Rent growth +5.0/5.0
  • Schools +5.0/10.0
  • Livability +4.0/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$339,000

13 High Point Cir N #203 · Naples, FL 34103
2 bd · 2.0 ba · 1,015 sqft · Condo public records · 124 Days on market
Built 1979 $900/mo HOA · 19% of rent

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

Listing remarks MLS

Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

Key facts

  • Quartz countertops
  • Open floor plan
  • Renovated condo

Tags

RENOVATED CONDOWHITE KITCHEN CABINETRYQUARTZ COUNTERTOPSOPEN FLOOR PLANSUNLIGHT ENCLOSED LANAILUXURY VINYL FLOORING

Property features AI

Other

  • Other: Part of a complex with 473 units (30 units in building), single-story setting; Possession at closing; Restrictions: No motorcycles, no RVs; Reclaimed irrigation

Finance

  • HOA & community: Quarterly condo fee of $2,700 (total annual recurring fees $10,800); Professional management; HOA maintenance covers cable, golf course, insurance, internet/WiFi, irrigation water, lawn/land maintenance, legal/accounting, manager, master association fee, exterior pest control, recreation facilities, reserves, sewer, street lights, trash removal, and water; Community amenities include clubhouse, community pool, exercise room, extra storage, golf course, library, restaurant, bocce court, pickleball, putting green, tennis court, streetlights, and vehicle wash area; Golf-bundled community

Exterior

  • Parking: 1 assigned covered parking space; Detached 1-car carport; Guest parking available
  • Security: Gated community access
  • Utilities: Water: Betterment; Sewer: Betterment; Cable available
  • Home design: Residential property in a low-rise (1-3) building; Built in 1979; Zero lot line unit (Unit 203); Rear exposure to the south; Located in HIGH POINT / High Point Country Club development; Golf course view
  • Construction: Concrete block construction; Built-up or flat roof
  • Exterior features: Automatic sprinkler system; Storage; Impact-resistant windows and doors; Stucco exterior; Gated community

Interior

  • Kitchen: Island; Pantry; Electric cooktop; Range; Self-cleaning oven; Microwave; Dishwasher; Disposal; Refrigerator
  • Bedrooms: 2 bedrooms with split floor plan
  • Flooring: Laminate
  • Bathrooms: 2 full bathrooms; Master bath with shower (no tub)
  • Heating & cooling: Central electric heating; Central electric cooling; Ceiling fans
  • Interior features: Cable prewire; High-speed internet available; Pantry; Smoke detectors; Walk-in closet; Breakfast bar / dining in living area; Glass porch; Laundry in residence; Furnished; Common elevator
  • Laundry & utility: Washer and dryer included; Washer/dryer hookup

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 2-bed/2.0-bath condo listed at $339k.

Deal economics

  • At list price, monthly cash flow is $747 ($9k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($5k rent vs $339k).
  • Recommended offer: $298k (12.0% below list) — sets the bar for market timing.

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.
  • Market conditions: Rents rising fast (+14.6%/yr); 479 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).
  • At $4,646/mo this rent would consume 48% of the median local household income ($117k/yr) (locally 311% 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.
  • Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (-3.0% appreciation + 8.0% rent growth), your $95k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 124 days — a 12% lower offer ($298k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 8y ago; this cycle's ask has dropped $66k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $220k; list at $339k implies a 54% 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→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $298,320 (12.0% below list)

Questions for the listing agent

  1. It's been on market 124 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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. 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?
  8. 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.
  9. 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.
  10. 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
1.37%
Cap rate
8.94%
Cash-on-cash
9.44%
DSCR
1.42
GRM
6.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold
IRR
4.5%
Equity multiple
1.19×
Total profit
$17,610
Equity at exit
$50,546
10-year hold
IRR
18.8%
Equity multiple
3.00×
Total profit
$190,073
Equity at exit
$29,311

Cash invested: $94,920 (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 34103

Rents YoY
14.6%
Active inventory
479
Price-to-rent
6.1×

Monthly cashflow live

Estimated rent
$4,646 medium interval (Pro) →
Mortgage (P&I)
$1,778
Tax from tax record
$105 /mo · $1,260/yr
Insurance
$141
HOA
$900
Vacancy / Maint / Mgmt
$976
Net cashflow
$747

Break-even live

Break-even rent $3,701
Max offer price $339,000
Occupancy floor 79%

Sensitivity live

Price -10% $939 -5% $843 +0% $747 +5% $651 +10% $555
Rent -10% $380 -5% $563 +0% $747 +5% $930 +10% $1,114
Rate -1.0pp $917 -0.5pp $833 base $747 +0.5pp $659 +1.0pp $570

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
$84,750
Closing costs
$10,170
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
45 High Point Cir S #303 Naples, FL 2.0 2.0 1015 $5,500 $5.42 24d 1 0.13mi
3200 Binnacle Dr Unit D3 Naples, FL 2.0 2.0 1180 $9,000 $7.63 22d 1 0.39mi
3030 Binnacle Dr #201 Naples, FL 2.0 2.0 1092 $5,000 $4.58 24d 1 0.51mi
788 Park Shore Dr Naples, FL 1.0–2.0 1.5–2.0 931 $5,500 $5.90 14d 3 0.52mi
820 Ketch Dr #2 Naples, FL 2.0 2.0 1100 $5,700 $5.18 24d 1 0.54mi
820 Ketch Dr #3 Naples, FL 2.0 2.0 1100 $5,500 $5.00 24d 1 0.54mi
3930 Belair Ln Naples, FL 2.0 2.0 1300 $6,000 $4.62 24d 1 0.63mi
2400 14th St N Naples, FL 3.0 2.0 1464 $5,890 $4.02 14d 1 0.77mi
4092 Belair Ln #15 Naples, FL 3.0 3.0 1500 $6,200 $4.13 24d 1 0.82mi
555 Park Shore Dr Unit B410 Naples, FL 2.0 2.0 1200 $6,000 $5.00 22d 1 0.99mi
1082 Capri Dr Naples, FL 3.0 2.0 1500 $9,000 $6.00 24d 1 0.99mi
600 Neapolitan Way Naples, FL 1.0–2.0 2.0 832 $5,200 $6.25 24d 2 0.99mi
3520 Bolero Way Unit 1325569P Naples, FL 3.0 2.0 1399 $5,021 $3.59 14d 1 1.00mi
4523 Fluvia Ave Naples, FL 2.0 1.0 1050 $5,500 $5.24 24d 1 1.02mi
4525 Fluvia Ave Naples, FL 2.0 1.0 1050 $5,500 $5.24 24d 1 1.02mi
333 Harbour Dr #211 Naples, FL 2.0 2.0 975 $5,500 $5.64 14d 1 1.02mi
3400 Gulf Shore Blvd N Unit M3 Naples, FL 2.0 2.0 1337 $9,500 $7.11 24d 1 1.10mi
222 Harbour Dr #105 Naples, FL 2.0 2.0 1393 $13,000 $9.33 24d 1 1.12mi
4200 Belair Ln Naples, FL 2.0–3.0 2.0 1406 $6,500 $4.62 24d 5 1.13mi
3200 Gulf Shore Blvd N #105 Naples, FL 2.0 2.0 1116 $8,500 $7.62 24d 1 1.14mi
3500 Gulf Shore Blvd N Naples, FL 2.0 2.0 1258 $7,650 $6.08 24d 2 1.15mi
3070 Gulf Shore Blvd N #103 Naples, FL 2.0 2.0 1300 $8,000 $6.15 24d 1 1.15mi
4300 Belair Ln Naples, FL 2.0 2.0 1200 $6,750 $5.62 14d 2 1.22mi
3443 Gulf Shore Blvd N Naples, FL 2.0 2.0 1171 $12,750 $10.88 14d 11 1.24mi
2581 Poinciana St Naples, FL 3.0 2.0 1255 $9,000 $7.17 24d 1 1.25mi
2885 Gulf Shore Blvd N #302 Naples, FL 2.0 2.0 1500 $20,000 $13.33 24d 1 1.27mi
2600 Gulf Shore Blvd N #64 Naples, FL 2.0 2.0 1200 $7,200 $6.00 24d 1 1.29mi
2500 Gulf Shore Blvd N Unit S6 Naples, FL 2.0 2.0 1145 $7,500 $6.55 24d 1 1.31mi
4001 Gulf Shore Blvd N #707 Naples, FL 2.0 2.0 1267 $20,000 $15.79 24d 1 1.32mi
4001 Gulf Shore Blvd N #1104 Naples, FL 2.0 2.0 1267 $11,000 $8.68 24d 1 1.32mi
4001 Gulf Shore Blvd N #105 Naples, FL 2.0 2.0 1247 $12,000 $9.62 24d 1 1.32mi
4001 Gulf Shore Blvd N #303 Naples, FL 2.0 2.0 1248 $9,000 $7.21 24d 1 1.32mi
4001 Gulf Shore Blvd N #803 Naples, FL 2.0 2.0 1267 $13,000 $10.26 24d 1 1.32mi
4001 Gulf Shore Blvd N #505 Naples, FL 2.0 2.0 1271 $9,000 $7.08 14d 1 1.32mi
4005 Gulf Shore Blvd N #607 Naples, FL 2.0 2.0 1400 $14,000 $10.00 24d 1 1.33mi
4005 Gulf Shore Blvd N #605 Naples, FL 2.0 2.0 1267 $10,000 $7.89 24d 1 1.33mi
2258 Gulf Shore Blvd N Unit O1 Naples, FL 2.0 2.0 1491 $13,750 $9.22 24d 1 1.37mi
2216 Gulf Shore Blvd N Unit R3 Naples, FL 2.0 2.0 1265 $10,000 $7.91 24d 1 1.37mi
1400 Pompei Ln Naples, FL 2.0 2.0 1012 $1,888 $1.86 24d 2 1.39mi
1400 Pompei Ln Unit O-21 Naples, FL 2.0 2.0 1025 $2,200 $2.15 24d 1 1.40mi

HOA detail condo

Monthly dues
$900 · $10,800/yr
Likely covers
waterpool
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 29 events

  1. 2026-06-18
    days on market $339,000 Active 124 DOM
  2. 2026-06-17
    days on market $339,000 Active 123 DOM
  3. 2026-06-16
    days on market $339,000 Active 122 DOM
  4. 2026-06-15
    days on market $339,000 Active 121 DOM
  5. 2026-06-14
    days on market $339,000 Active 119 DOM
  6. 2026-06-10
    days on market $339,000 Active 116 DOM
  7. 2026-06-09
    days on market $339,000 Active 115 DOM
  8. 2026-06-08
    days on market $339,000 Active 114 DOM
  9. 2026-06-07
    days on market $339,000 Active 113 DOM
  10. 2026-06-03
    days on market $339,000 Active 109 DOM
  11. 2026-06-02
    days on market $339,000 Active 108 DOM
  12. 2026-06-01
    days on market $339,000 Active 107 DOM
  13. 2026-05-31
    days on market $339,000 Active 106 DOM
  14. 2026-05-30
    days on market $339,000 Active 105 DOM
  15. 2026-05-23
    price $339,000
  16. 2026-05-13
    price $345,000
  17. 2026-04-11
    price $355,000
  18. 2026-04-04
    price $357,000
  19. 2026-03-14
    price $375,000
  20. 2026-02-14
    listed $405,000 Active
  21. 2019-05-13
    soldstatus $220,000 826-char remark
    Show marketing remark (826 chars)

    Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

  22. 2019-05-13
    soldstatus $220,000
    Show marketing remark (826 chars)

    Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

  23. 2019-05-07
    soldstatus $220,000 Sold 828-char remark
    Show marketing remark (828 chars)

    Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

  24. 2019-04-03
    status Pending With Contingencies 828-char remark
    Show marketing remark (828 chars)

    Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

  25. 2019-01-04
    status Active 828-char remark
    Show marketing remark (828 chars)

    Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

  26. 2019-01-02
    status Pending With Contingencies 828-char remark
    Show marketing remark (828 chars)

    Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

  27. 2018-12-29
    listed $225,000 Active 828-char remark
    Show marketing remark (828 chars)

    Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

  28. 2018-12-28
    listed $225,000 826-char remark
    Show marketing remark (826 chars)

    Beautifully maintained and updated condo in High Point Country Club. Enjoy daily golf, tennis, pickleball, 6 pools and fitness daily all included in the low quarterly dues. Wonderful views from this 2nd floor condo (the building has an elevator) overlooks the 9 hole executive golf course. High Point Country Club is located one mile to the beach, 2.5 miles to downtown Naples and in the heart of world class dining and shopping. This condo is completely turnkey, take a look at the pictures, you can move in without doing a thing. The AC is 4 years only, the water heater is 3 years old & there are impact windows. Enjoy breakfast or lunch at the clubhouse, lots of special dinner parties throughout the year Come and see why people LOVE High Point Country Club. This is an affordable way to enjoy your place in paradise.

  29. 2001-01-12
    soldstatus $87,900

ⓘ 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
$1,260 · $105/mo
Projected year-2 tax
$2,814 · $234/mo
Expected delta
+$1,554/yr (+$130/mo · 123.4%)

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

Climate risk First Street

  • 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 17% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 24 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

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$55,757
− Mortgage interest
−$18,989
− Property taxes
−$1,260
− Insurance
−$1,695
− Repairs & maintenance
−$4,461
− Management
−$4,461
− HOA
−$10,800
− Depreciation
−$9,862
Taxable income
$4,231
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,015
After-tax cash flow
$7,945/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 — 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 · 396,295 people
City population
344,941
Metro
Naples-Marco Island, FL
Population (ZIP)
11,299
Household income
$116,875
Rent vs Own
14.1% rent · 85.9% own
Severe rent burden
311.0

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 (87%)
Race & ethnicity
White 87% Hispanic / Latino 10% Two or more races 8% Asian 1%
Hispanic origin (detail)
Common ancestry
Romanian 4% Lithuanian 2% Portuguese 2%
Foreign-born
13% · Canada
Languages at home
87% English-only · Spanish 9% Other Indo-European 2% German/W. Germanic 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
▼ -327.53%
Current HPI
315.1396
Rent YoY
▲ 14.55%
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

+285.7% since first listed
15 events — show timeline
  • 2026-05-23 Price Changed $339,000 NAPLESMLS
  • 2026-05-13 Price Changed $345,000 NAPLESMLS
  • 2026-04-11 Price Changed $355,000 NAPLESMLS
  • 2026-04-04 Price Changed $357,000 NAPLESMLS
  • 2026-03-14 Price Changed $375,000 NAPLESMLS
  • 2026-02-14 Listed $405,000 NAPLESMLS
  • 2019-05-13 Sold (Public Records) $220,000 Public Records
  • 2019-05-13 Sold (MLS) $220,000 MIML
  • 2019-05-07 Sold (MLS) $220,000 NAPLESMLS
  • 2019-04-03 Pending NAPLESMLS
  • 2019-01-04 Relisted NAPLESMLS
  • 2019-01-02 Pending NAPLESMLS
  • 2018-12-29 Listed $225,000 NAPLESMLS
  • 2018-12-28 Listed $225,000 MIML
  • 2001-01-12 Sold (Public Records) $87,900 Public Records

Property tax history

+0.2%/yr

Latest (2025): $1,260 · +2.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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