2395 Harbor Blvd #310 · Port Charlotte, FL 33952

$107,900

2 bd · 2.0 ba · 1,044 sqft · Condo public records · 271 Days on market

Built 1984 $415/mo HOA · 27% 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 +19.3/30.0
• 1% rule +9.3/10.0
• ARV discount +7.5/15.0
• DSCR +6.1/10.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Huge Price Reduction! Well maintained 2 bedroom 2 bath condo in the 55+ community of Vel Gardens. This move-in ready, 3rd floor unit has an elevator for easy access. Features include hurricane shutters on the lanai and all windows, with electric openers on the lanai and primary bedroom window. It has Bamboo laminate flooring in all rooms except the kitchen and bathrooms, which are ceramic tile. The kitchen has drawer base cabinets with newer appliances and the laundry closet includes the washer and dryer. The primary bedroom has sliders to the lanai, its own full bath with a walk-in shower, and a large walk-in closet. There's a private lanai off the living room, which also has an extra storage closet. There's also an assigned carport to keep your car out of the sun and rain. The community has an active clubhouse and a screened-in pool. Conveniently located, Vel Gardens is close to shopping, restaurants, and medical facilities.

Key facts

• Metal roof
• A/c system
• Drawer-base cabinets

Tags

• BAMBOO FLOORING
• A/C SYSTEM
• WATER HEATER
• METAL ROOF
• HURRICANE SHUTTERS
• DRAWER-BASE CABINETS

Property features AI

Finance

• Other: Property type: Condominium; Zoning: CG
• Financial info: Total annual HOA/condo fees $4,980; Lease restrictions apply
• HOA & community: Has HOA (Gateway Management Vel Gardens Laura Louro); Monthly condo fee of $415; Condo fees include pool, insurance, structure and grounds maintenance, management, sewer, trash and water; Clubhouse and pool in community; Senior community; Association approval required for buyers; Pets not allowed

Exterior

• Parking: Assigned parking; Covered carport (1 space)
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Residential condominium; Third floor unit; One-level interior living; West-facing
• Construction: Block, concrete and stucco construction; Shingle roof; Slab foundation; Building A
• Exterior features: Patio with screened porch; Hurricane shutters; Exterior lighting; Sliding doors

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Bamboo flooring; Ceramic tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Window treatments; Elevator in building
• Laundry & utility: Washer; Dryer; Inside laundry in a laundry closet

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $108k.

Deal economics

• At list price, monthly cash flow is $53 ($635/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $108k).
• Recommended offer: $95k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.6% vs local median 4.4% in Port Charlotte — 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 65/100 on livability (#655 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, employment D, amenities 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.
• Market conditions: Rents soft (-1.4%/yr); 707 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 30% of the median local income ($61k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $746 of loan paydown is wiped out by about $3k 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 271 days — a 12% lower offer ($95k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 14y ago; this cycle's ask has dropped $37k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; HOA is 27% of rent.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $94,952 (12.0% below list)

Questions for the listing agent

1. It's been on market 271 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. 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 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?
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: 1.43% ✓
• Cap rate: 7.62%
• Cash-on-cash: 4.74%
• DSCR: 1.21
• GRM: 5.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -18.0%
• Equity multiple: 0.39×
• Total profit: $-18,356
• Equity at exit: $16,088

10-year hold

• IRR: -23.6%
• Equity multiple: 0.07×
• Total profit: $-27,981
• Equity at exit: $9,329

Cash invested: $30,212 (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 33952

• Home prices YoY: -4.8%
• Rents YoY: -1.4%
• Active inventory: 707
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,544 high
• Mortgage (P&I): −$566
• Tax from tax record: −$74 /mo · $891/yr
• Insurance: −$45
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$415
• Vacancy / Maint / Mgmt: −$324
• Net cashflow: $53

Break-even live

Break-even rent $1,477

Max offer price $107,900

Occupancy floor 92%

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: $26,975
• Closing costs: $3,237
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
21322 Stillwater Ave Port Charlotte, FL	2.0	1.0	1080	$1,300	$1.20	20d	1	0.06mi
21307 Gertrude Ave Port Charlotte, FL	2.0	3.0	1170	$1,650	$1.41	20d	1	0.10mi
21385 Gibralter Dr Port Charlotte, FL	2.0	2.0	1172	$1,650	$1.41	20d	1	0.18mi
2300 Aaron St #114 Port Charlotte, FL	2.0	2.0	869	$1,250	$1.44	20d	1	0.28mi
2425 Caring Way Unit 205 Port Charlotte, FL	2.0	2.0	900	$1,400	$1.56	20d	1	0.40mi
21405 Olean Blvd Port Charlotte, FL	1.0–2.0	1.0–2.0	708	$1,445	$2.04	20d	2	0.42mi
2456 Elkcam Blvd Port Charlotte, FL	2.0	2.0	1015	$1,700	$1.67	20d	1	0.44mi
21422 Kenyon Ave Port Charlotte, FL	2.0	2.0	1149	$1,400	$1.22	20d	1	0.44mi
21426 Glendale Ave Port Charlotte, FL	3.0	1.5	1423	$1,511	$1.06	13d	1	0.45mi
21155 Meehan Ave Port Charlotte, FL	3.0	1.0	1060	$1,300	$1.23	20d	1	0.46mi
3006 Caring Way Port Charlotte, FL	2.0	2.0	783	$2,050	$2.62	13d	2	0.47mi
3006 Caring Way Port Charlotte, FL	1.0–2.0	1.0–2.0	708	$2,500	$3.53	20d	3	0.47mi
21440 Mallory Ave Port Charlotte, FL	2.0	1.0	930	$1,550	$1.67	20d	1	0.49mi
21499 Glendale Ave Port Charlotte, FL	3.0	1.0	1077	$1,600	$1.49	20d	1	0.49mi
2171 Birchcrest Blvd Port Charlotte, FL	2.0	1.5	1162	$1,500	$1.29	20d	1	0.52mi
3100 Harbor Blvd Port Charlotte, FL	2.0	1.0–1.5	994	$1,472	$1.48	20d	2	0.53mi
3126 Harbor Blvd Unit 3A Port Charlotte, FL	2.0	2.0	1100	$1,500	$1.36	13d	1	0.58mi
22017 Beverly Ave Port Charlotte, FL	3.0	2.0	1472	$1,600	$1.09	13d	1	0.59mi
22086 Beverly Ave Port Charlotte, FL	2.0	1.0	1031	$1,250	$1.21	20d	1	0.61mi
2472 Picnic St Port Charlotte, FL	2.0	2.0	990	$1,575	$1.59	20d	1	0.63mi
3108 Whiting Ln Port Charlotte, FL	2.0	1.0	828	$1,350	$1.63	20d	1	0.65mi
21061 Midway Blvd Port Charlotte, FL	2.0	1.0	897	$1,600	$1.78	20d	1	0.65mi
2395 Alda Ln Port Charlotte, FL	2.0	2.0	1150	$1,775	$1.54	20d	1	0.66mi
22070 Gatewood Ave Port Charlotte, FL	2.0	1.0	812	$1,350	$1.66	13d	1	0.67mi
21026 Glendale Ave Port Charlotte, FL	2.0	1.0	812	$1,400	$1.72	20d	1	0.68mi
1506 Dewitt St Port Charlotte, FL	3.0	2.0	1198	$1,800	$1.50	20d	1	0.74mi
22153 Olean Blvd Port Charlotte, FL	2.0	2.0	1337	$1,425	$1.07	20d	1	0.78mi
164 Tradewinds Dr NW Port Charlotte, FL	2.0	1.0	750	$1,350	$1.80	20d	1	0.80mi
2377 Starlite Ln Port Charlotte, FL	3.0	1.5	1253	$1,575	$1.26	20d	1	0.85mi
3281 Easy St Port Charlotte, FL	3.0	2.0	1196	$1,750	$1.46	13d	1	0.86mi
22203 Lasalle Rd Port Charlotte, FL	2.0	1.0	874	$1,325	$1.52	20d	1	0.92mi
394 Ferris Dr NW Port Charlotte, FL	3.0	2.0	842	$1,395	$1.66	20d	1	0.95mi
322 Lasayette Dr NE Port Charlotte, FL	2.0	1.5	1140	$1,475	$1.29	20d	1	0.97mi
125 Cambridge Dr NW Unit NA Port Charlotte, FL	2.0	1.0	1200	$1,750	$1.46	20d	1	1.09mi
401 Skylark Ln NW Port Charlotte, FL	3.0	2.0	1167	$1,650	$1.41	20d	1	1.19mi
1299 Birchcrest Blvd Port Charlotte, FL	3.0	2.0	1176	$1,800	$1.53	20d	1	1.20mi
249 Seminole Blvd NW Port Charlotte, FL	3.0	2.0	1389	$1,750	$1.26	20d	1	1.24mi
1636 Hayworth Rd Port Charlotte, FL	2.0	2.0	884	$1,300	$1.47	20d	1	1.27mi
266 Rockwood St NW Port Charlotte, FL	3.0	2.0	1400	$1,850	$1.32	13d	1	1.30mi
533 Crandall St NW Port Charlotte, FL	3.0	2.0	1328	$1,550	$1.17	20d	1	1.31mi

HOA detail condo

• Monthly dues: $415 · $4,980/yr
• Likely covers: electricpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 38 events

1. 2026-06-18
   days on market $107,900 Active 271 DOM
2. 2026-06-17
   days on market $107,900 Active 270 DOM
3. 2026-06-16
   days on market $107,900 Active 269 DOM
4. 2026-06-15
   days on market $107,900 Active 268 DOM
5. 2026-06-14
   days on market $107,900 Active 266 DOM
6. 2026-06-13
   days on market $107,900 Active 265 DOM
7. 2026-06-10
   days on market $107,900 Active 263 DOM
8. 2026-06-09
   days on market $107,900 Active 262 DOM
9. 2026-06-08
   days on market $107,900 Active 261 DOM
10. 2026-06-05
    days on market $107,900 Active 257 DOM
11. 2026-06-02
    days on market $107,900 Active 255 DOM
12. 2026-06-01
    days on market $107,900 Active 254 DOM
13. 2026-05-31
    days on market $107,900 Active 253 DOM
14. 2026-05-30
    days on market $107,900 Active 252 DOM
15. 2026-03-23
    price $107,900
16. 2026-02-23
    price $114,900
17. 2026-01-28
    price $119,000
18. 2026-01-05
    price $124,900
19. 2025-11-22
    price $129,900
20. 2025-11-10
    price $134,900
21. 2025-10-16
    price $139,900
22. 2025-09-20
    listed $144,900 Active
23. 2025-06-02
    soldstatus $119,900
24. 2025-05-30
    soldstatus $119,900 Closed 940-char remark

    Show marketing remark (940 chars)

    Huge Price Reduction! Well maintained 2 bedroom 2 bath condo in the 55+ community of Vel Gardens. This move-in ready, 3rd floor unit has an elevator for easy access. Features include hurricane shutters on the lanai and all windows, with electric openers on the lanai and primary bedroom window. It has Bamboo laminate flooring in all rooms except the kitchen and bathrooms, which are ceramic tile. The kitchen has drawer base cabinets with newer appliances and the laundry closet includes the washer and dryer. The primary bedroom has sliders to the lanai, its own full bath with a walk-in shower, and a large walk-in closet. There's a private lanai off the living room, which also has an extra storage closet. There's also an assigned carport to keep your car out of the sun and rain. The community has an active clubhouse and a screened-in pool. Conveniently located, Vel Gardens is close to shopping, restaurants, and medical facilities.

25. 2025-04-13
    status Pending 940-char remark

    Show marketing remark (940 chars)

    Huge Price Reduction! Well maintained 2 bedroom 2 bath condo in the 55+ community of Vel Gardens. This move-in ready, 3rd floor unit has an elevator for easy access. Features include hurricane shutters on the lanai and all windows, with electric openers on the lanai and primary bedroom window. It has Bamboo laminate flooring in all rooms except the kitchen and bathrooms, which are ceramic tile. The kitchen has drawer base cabinets with newer appliances and the laundry closet includes the washer and dryer. The primary bedroom has sliders to the lanai, its own full bath with a walk-in shower, and a large walk-in closet. There's a private lanai off the living room, which also has an extra storage closet. There's also an assigned carport to keep your car out of the sun and rain. The community has an active clubhouse and a screened-in pool. Conveniently located, Vel Gardens is close to shopping, restaurants, and medical facilities.

26. 2025-04-11
    price $119,900 940-char remark

    Show marketing remark (940 chars)

    Huge Price Reduction! Well maintained 2 bedroom 2 bath condo in the 55+ community of Vel Gardens. This move-in ready, 3rd floor unit has an elevator for easy access. Features include hurricane shutters on the lanai and all windows, with electric openers on the lanai and primary bedroom window. It has Bamboo laminate flooring in all rooms except the kitchen and bathrooms, which are ceramic tile. The kitchen has drawer base cabinets with newer appliances and the laundry closet includes the washer and dryer. The primary bedroom has sliders to the lanai, its own full bath with a walk-in shower, and a large walk-in closet. There's a private lanai off the living room, which also has an extra storage closet. There's also an assigned carport to keep your car out of the sun and rain. The community has an active clubhouse and a screened-in pool. Conveniently located, Vel Gardens is close to shopping, restaurants, and medical facilities.

27. 2025-02-28
    price $139,900 940-char remark

    Show marketing remark (940 chars)

    Huge Price Reduction! Well maintained 2 bedroom 2 bath condo in the 55+ community of Vel Gardens. This move-in ready, 3rd floor unit has an elevator for easy access. Features include hurricane shutters on the lanai and all windows, with electric openers on the lanai and primary bedroom window. It has Bamboo laminate flooring in all rooms except the kitchen and bathrooms, which are ceramic tile. The kitchen has drawer base cabinets with newer appliances and the laundry closet includes the washer and dryer. The primary bedroom has sliders to the lanai, its own full bath with a walk-in shower, and a large walk-in closet. There's a private lanai off the living room, which also has an extra storage closet. There's also an assigned carport to keep your car out of the sun and rain. The community has an active clubhouse and a screened-in pool. Conveniently located, Vel Gardens is close to shopping, restaurants, and medical facilities.

28. 2025-01-24
    price $145,900 940-char remark

    Show marketing remark (940 chars)

    Huge Price Reduction! Well maintained 2 bedroom 2 bath condo in the 55+ community of Vel Gardens. This move-in ready, 3rd floor unit has an elevator for easy access. Features include hurricane shutters on the lanai and all windows, with electric openers on the lanai and primary bedroom window. It has Bamboo laminate flooring in all rooms except the kitchen and bathrooms, which are ceramic tile. The kitchen has drawer base cabinets with newer appliances and the laundry closet includes the washer and dryer. The primary bedroom has sliders to the lanai, its own full bath with a walk-in shower, and a large walk-in closet. There's a private lanai off the living room, which also has an extra storage closet. There's also an assigned carport to keep your car out of the sun and rain. The community has an active clubhouse and a screened-in pool. Conveniently located, Vel Gardens is close to shopping, restaurants, and medical facilities.

29. 2024-12-10
    price $149,900 940-char remark

    Show marketing remark (940 chars)

    Huge Price Reduction! Well maintained 2 bedroom 2 bath condo in the 55+ community of Vel Gardens. This move-in ready, 3rd floor unit has an elevator for easy access. Features include hurricane shutters on the lanai and all windows, with electric openers on the lanai and primary bedroom window. It has Bamboo laminate flooring in all rooms except the kitchen and bathrooms, which are ceramic tile. The kitchen has drawer base cabinets with newer appliances and the laundry closet includes the washer and dryer. The primary bedroom has sliders to the lanai, its own full bath with a walk-in shower, and a large walk-in closet. There's a private lanai off the living room, which also has an extra storage closet. There's also an assigned carport to keep your car out of the sun and rain. The community has an active clubhouse and a screened-in pool. Conveniently located, Vel Gardens is close to shopping, restaurants, and medical facilities.

30. 2024-10-18
    listed $154,900 Active 940-char remark

    Show marketing remark (940 chars)

    Huge Price Reduction! Well maintained 2 bedroom 2 bath condo in the 55+ community of Vel Gardens. This move-in ready, 3rd floor unit has an elevator for easy access. Features include hurricane shutters on the lanai and all windows, with electric openers on the lanai and primary bedroom window. It has Bamboo laminate flooring in all rooms except the kitchen and bathrooms, which are ceramic tile. The kitchen has drawer base cabinets with newer appliances and the laundry closet includes the washer and dryer. The primary bedroom has sliders to the lanai, its own full bath with a walk-in shower, and a large walk-in closet. There's a private lanai off the living room, which also has an extra storage closet. There's also an assigned carport to keep your car out of the sun and rain. The community has an active clubhouse and a screened-in pool. Conveniently located, Vel Gardens is close to shopping, restaurants, and medical facilities.

31. 2013-11-27
    soldstatus $38,000 645-char remark

    Show marketing remark (645 chars)

    This spacious unit is located in 55 plus community. Condo is move in ready. It features hurricane shutters and all appliances, including washer and dryer. Sliders out to the lanai from both the living room and master bedroom. The master bedroom has huge walk in closet and attached master bath with walk in shower. There is a storage closet on the lanai and covered assigned carport. There are elevators in the building. Located next to cultural center with activities galore and a restaurant. The community features a screened in pool and a clubhouse. Port Charlotte Beach complex is only 5 minutes away with boat ramp, beach, and fishing pier.

32. 2013-11-27
    soldstatus $38,000

    Show marketing remark (645 chars)

    This spacious unit is located in 55 plus community. Condo is move in ready. It features hurricane shutters and all appliances, including washer and dryer. Sliders out to the lanai from both the living room and master bedroom. The master bedroom has huge walk in closet and attached master bath with walk in shower. There is a storage closet on the lanai and covered assigned carport. There are elevators in the building. Located next to cultural center with activities galore and a restaurant. The community features a screened in pool and a clubhouse. Port Charlotte Beach complex is only 5 minutes away with boat ramp, beach, and fishing pier.

33. 2012-12-15
    listed $42,000 645-char remark

    Show marketing remark (645 chars)

    This spacious unit is located in 55 plus community. Condo is move in ready. It features hurricane shutters and all appliances, including washer and dryer. Sliders out to the lanai from both the living room and master bedroom. The master bedroom has huge walk in closet and attached master bath with walk in shower. There is a storage closet on the lanai and covered assigned carport. There are elevators in the building. Located next to cultural center with activities galore and a restaurant. The community features a screened in pool and a clubhouse. Port Charlotte Beach complex is only 5 minutes away with boat ramp, beach, and fishing pier.

34. 2012-09-26
    soldstatus $22,000
35. 2012-06-04
    listed $24,900
36. 2007-08-10
    soldstatus $75,000
37. 2001-07-12
    soldstatus $57,000
38. 1994-10-27
    soldstatus $53,000

ⓘ 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: $891 · $74/mo
• Projected year-2 tax: $896 · $75/mo
• Expected delta: +$4/yr ($0/mo · 0.5%)

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

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (shaded) · 73% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 30 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,523
• − Mortgage interest: −$6,044
• − Property taxes: −$891
• − Insurance: −$1,337
• − Repairs & maintenance: −$1,482
• − Management: −$1,482
• − HOA: −$4,980
• − Depreciation: −$3,139
• Taxable loss: −$832
• Est. tax savings @ 24.0%: +$200
• After-tax cash flow: $835/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 — Port Charlotte

• Score: 65/100
• State rank: #655
• US rank: #13081

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Charlotte, FL
• County: Charlotte County · 196,994 people
• City population: 102,180
• Metro: Punta Gorda, FL
• Population (ZIP): 35,231
• Household income: $61,382
• Rent vs Own: 20.8% rent · 79.2% own
• Severe rent burden: 733.0

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 (76%)
• Race & ethnicity: White 76% Hispanic / Latino 14% Two or more races 8% Black 6% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Italian 2%
• Foreign-born: 12% · Canada, Vietnam
• Languages at home: 85% English-only · Spanish 10% French/Haitian/Cajun 1% Russian/Polish/Slavic 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: ▼ -17.18%
• Current HPI: 339.0932
• Rent YoY: ▼ -1.35%
• 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

+103.6% since first listed

24 events — show timeline

• 2026-03-23 Price Changed $107,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-23 Price Changed $114,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-28 Price Changed $119,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-05 Price Changed $124,900 Stellar MLS as Distributed by MLS Grid
• 2025-11-22 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
• 2025-11-10 Price Changed $134,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-16 Price Changed $139,900 Stellar MLS as Distributed by MLS Grid
• 2025-09-20 Listed $144,900 Stellar MLS as Distributed by MLS Grid
• 2025-06-02 Sold (Public Records) $119,900 Public Records
• 2025-05-30 Sold (MLS) $119,900 Stellar MLS as Distributed by MLS Grid
• 2025-04-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-04-11 Price Changed $119,900 Stellar MLS as Distributed by MLS Grid
• 2025-02-28 Price Changed $139,900 Stellar MLS as Distributed by MLS Grid
• 2025-01-24 Price Changed $145,900 Stellar MLS as Distributed by MLS Grid
• 2024-12-10 Price Changed $149,900 Stellar MLS as Distributed by MLS Grid
• 2024-10-18 Listed $154,900 Stellar MLS as Distributed by MLS Grid
• 2013-11-27 Sold (Public Records) $38,000 Public Records
• 2013-11-27 Sold (MLS) $38,000 Stellar MLS as Distributed by MLS Grid
• 2012-12-15 Listed $42,000 Stellar MLS as Distributed by MLS Grid
• 2012-09-26 Sold (MLS) $22,000 Stellar MLS as Distributed by MLS Grid
• 2012-06-04 Listed $24,900 Stellar MLS as Distributed by MLS Grid
• 2007-08-10 Sold (Public Records) $75,000 Public Records
• 2001-07-12 Sold (Public Records) $57,000 Public Records
• 1994-10-27 Sold (Public Records) $53,000 Public Records

Property tax history

+5.6%/yr

Latest (2025): $891 · +3.8% YoY. Source: county tax records.