43020 Greenway Blvd #312 · Punta Gorda, FL 33982

$210,000

2 bd · 2.0 ba · 1,198 sqft · Condo public records · 174 Days on market

Built 2021 Good condition $175/sqft · 21% below area Est $254k · 17% under $1050/mo HOA · 52% of rent ↓ 26% 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 +15.0/15.0
• Schools +5.5/10.0
• 1% rule +4.7/10.0
• Condition / age +4.0/5.0
• Livability +3.8/5.0
• Rent growth +3.5/5.0
• Appreciation +2.4/10.0
• Cash flow +0.0/30.0
• DSCR +0.0/10.0

Listing remarks MLS

This remodeled golf condo bundle offers the ultimate turnkey opportunity in the heart of Babcock National. Professionally decorated and looking like a designer model home, this residence comes fully furnished with brand-new furniture and is ready for immediate move-in or to serve as a high-performing rental investment. #4 Master Planned Community that is the first solar-powered in the U. S. A, golf cart- friendly throughout. The Residence Skip the stress of decorating and furnishing; this home comes fully furnished and professionally decorated with a modern, sophisticated touch. Every detail has been curated to provide a move-in-ready experience that feels like a model home. Stunning Views: Enjoy breathtaking, panoramic views of Lake Babcock, the largest and most iconic lake in the community. Prime Location: Ideally situated near Hole 12, offering a front-row seat to the beautifully manicured fairways of the championship golf course designed by Gordon Lewis. Modern Upgrades: The interior has been thoughtfully remodeled to reflect current trends, featuring high-end finishes and a bright, airy floor plan. The Golf Bundle & Lifestyle This property includes the highly coveted Golf Bundle Membership, granting you immediate access to the greens. Unlike many developing areas, Babcock National is complete. No Waiting: All amenities are finished and operational. Peace & Quiet: Say goodbye to construction traffic and noise; the community is established and ready to enjoy today. Close to HWY 31: Just travel half a mile to exit Babcock Ranch, other neighborhoods in Babcock Ranch, takes 15 minutes just to exit the Ranch. World-Class Amenities Life at Babcock National feels like a year-round vacation. Your membership provides access to an incredible array of facilities: The Clubhouse & The Enclave: Access to a grand clubhouse featuring The Enclave, a full-service restaurant and bar, plus a ballroom, game rooms, a conference room, and the on-site HOA office. Wellness & Spa: A full-service beauty salon offering manicures, pedicures, and massages, plus a state-of-the-art gym and exercise room. Locker Rooms: Sophisticated men’s and women’s locker rooms equipped with private showers and saunas. Racquet Sports & More: Professionally maintained tennis, pickleball, and bocce ball courts, along with sidewalks throughout the community and a dedicated fishing dock. Dining Options: Choose between the refined atmosphere of the indoor clubhouse restaurant or the casual, breezy vibe of the outdoor Watershed Grill. Opportunity Knocks Rarely do you find a unit that combines a remodeled interior, full furnishings, and a completed community setting with such a spectacular lake view. Don't wait for a "future" amenity—start living the Babcock National dream right now.

Key facts

• State-of-the-art gym
• $1,050 HOA
• Parking

Tags

• SOLAR-POWERED COMMUNITY
• WORLD-CLASS AMENITIES
• FULL-SERVICE RESTAURANT
• STATE-OF-THE-ART GYM
• DEDICATED FISHING DOCK

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $210k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-1k ($-13k/yr) — negative.
• To cash-flow at today's rent, offer at most $81k (61.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $204k (3.0% below list).
• Recommended offer: $81k (61.5% below list) — sets the bar for cash-flow.
• Cap rate 0.2% vs local median 3.4% in Punta Gorda — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 76/100 on livability (#225 in FL, #3,567 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, health & safety A+, housing B; Watch: cost of living D+, amenities D-, commute 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.
• Zoned schools: East Elementary School (math 67% / reading 68%, grade B+, #435 of 2,144 statewide, top 21%, 761 students, 52% FRL); Punta Gorda Middle School (math 54% / reading 52%, grade C+, #209 of 571 statewide, top 37%, 1,120 students, 41% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
• Market conditions: Rents rising fast (+4.1%/yr); 1621 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 34% of the median local income ($72k/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 $1k of loan paydown is wiped out by about $6k 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 174 days — a 12% lower offer ($185k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 4y ago; this cycle's ask has dropped $45k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 52% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 5→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $80,822 (61.5% below list)

Questions for the listing agent

1. 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?
2. It's been on market 174 days. Have you received any prior offers? Is the seller open to a 62% concession, seller financing, or rate buy-down credit?
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 A-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. 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?
9. 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.
10. 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.
11. 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: 0.22%
• Cash-on-cash: -21.70%
• DSCR: 0.03
• GRM: 8.6

CMA / ARV

• ARV (median comp): $253,654
• List price: $210,000
• Delta: -17.21%
• 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
43030 Greenway Blvd #435	0.06mi	2/2.0	1,194 (-0%)	1mo	$210,000	$176	96
43993 Boardwalk Loop #1925	0.16mi	2/2.0	1,194 (-0%)	2mo	$185,000	$155	91
43040 Greenway Blvd #523	0.11mi	2/2.0	1,154 (-4%)	0mo	$202,000	$175	89
43050 Greenway Blvd #627	0.15mi	2/2.0	1,170 (-2%)	3mo	$215,000	$184	87
43981 Boardwalk Loop #2234	0.20mi	2/2.0	1,154 (-4%)	2mo	$204,000	$177	82
43050 Greenway Blvd #631	0.15mi	3/2.0 (+1)	1,301 (+9%)	1mo	$250,000	$192	72
16000 Grassland Ln #3112	0.32mi	2/2.0	1,355 (+13%)	1mo	$325,000	$240	63
44505 Diamond Trl	1.39mi	3/2.0 (+1)	1,269 (+6%)	1mo	$328,500	$259	50
15465 Green Acres Ave #2522	1.39mi	2/2.0	1,355 (+13%)	0mo	$234,999	$173	43
15435 Green Acres Ave #2413	1.37mi	2/2.0	1,366 (+14%)	1mo	$252,500	$185	40
16524 Settlers Way	0.94mi	3/2.0 (+1)	1,483 (+24%)	2mo	$314,990	$212	33
44433 Diamond Trl	1.30mi	3/2.0 (+1)	1,484 (+24%)	2mo	$315,000	$212	33

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 · 4.13% rent growth · sell at horizon

5-year hold

• IRR: -57.9%
• Equity multiple: -0.68×
• Total profit: $-98,634
• Equity at exit: $31,312

10-year hold

• IRR: —
• Equity multiple: -1.72×
• Total profit: $-160,096
• Equity at exit: $18,157

Cash invested: $58,800 (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 →

Active competition Active MLS

• For sale now: 0 active · 2 under contract

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 33982

• Home prices YoY: -1.2%
• Rents YoY: 4.1%
• Active inventory: 1621
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $2,036 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$433 /mo · $5,198/yr
• Insurance: −$88
• HOA: −$1,050
• Vacancy / Maint / Mgmt: −$428
• Net cashflow: $-1,063

Break-even live

Break-even rent $3,382

Max offer price $80,822

Occupancy floor —

Sensitivity live

Price	-10% $-945	-5% $-1,004	+0% $-1,063	+5% $-1,123	+10% $-1,182
Rent	-10% $-1,224	-5% $-1,144	+0% $-1,063	+5% $-983	+10% $-903
Rate	-1.0pp $-958	-0.5pp $-1,010	base $-1,063	+0.5pp $-1,118	+1.0pp $-1,173

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: $52,500
• Closing costs: $6,300
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
43010 Greenway Blvd Punta Gorda, FL	2.0	2.0	1145	$5,800	$5.07	21d	3	0.02mi
43010 Greenway Blvd Punta Gorda, FL	2.0	2.0	1145	$6,300	$5.50	162d	2	0.02mi
43010 Greenway Blvd Punta Gorda, FL	2.0	2.0	1162	$5,800	$4.99	0d	3	0.02mi
43020 Greenway Blvd Punta Gorda, FL	2.0–3.0	2.0	1227	$5,500	$4.48	51d	3	0.03mi
43020 Greenway Blvd Punta Gorda, FL	2.0–3.0	2.0	1243	$4,500	$3.62	10d	7	0.03mi
43020 Greenway Blvd Punta Gorda, FL	2.0–3.0	2.0	1260	$5,500	$4.37	5d	5	0.03mi
43020 Greenway Blvd Punta Gorda, FL	2.0–3.0	2.0	1243	$2,500	$2.01	154d	7	0.03mi
43981 Boardwalk Loop #2222 Punta Gorda, FL	2.0	2.0	1154	$5,000	$4.33	0d	1	0.03mi
43981 Boardwalk Loop #2222 Punta Gorda, FL	2.0	2.0	1154	$5,000	$4.33	10d	1	0.03mi
43981 Boardwalk Loop #2232 Punta Gorda, FL	2.0	2.0	1154	$5,000	$4.33	22d	1	0.03mi
43981 Boardwalk Loop #2232 Punta Gorda, FL	2.0	2.0	1154	$5,000	$4.33	162d	1	0.03mi
43981 Boardwalk Loop #2222 Punta Gorda, FL	2.0	2.0	1154	$4,900	$4.25	162d	1	0.03mi
43000 Greenway Blvd Punta Gorda, FL	2.0	2.0	1159	$3,900	$3.36	21d	2	0.06mi
43000 Greenway Blvd Punta Gorda, FL	2.0	2.0	1159	$4,050	$3.49	154d	4	0.06mi
43000 Greenway Blvd Punta Gorda, FL	2.0	2.0	1135	$4,200	$3.70	0d	3	0.06mi
43030 Greenway Blvd #424 Punta Gorda, FL	2.0	2.0	1170	$6,000	$5.13	51d	1	0.08mi
43030 Greenway Blvd Punta Gorda, FL	2.0	2.0	1198	$5,500	$4.59	21d	2	0.09mi
43030 Greenway Blvd Punta Gorda, FL	2.0	2.0	1184	$5,500	$4.65	10d	3	0.09mi
43030 Greenway Blvd Punta Gorda, FL	2.0	2.0	1184	$6,000	$5.07	6d	2	0.09mi
43997 Boardwalk Loop #1843 Punta Gorda, FL	2.0	2.0	1120	$1,599	$1.43	162d	1	0.09mi
43997 Boardwalk Loop #1827 Punta Gorda, FL	2.0	2.0	1154	$5,400	$4.68	162d	1	0.09mi
43997 Boardwalk Loop #1832 Punta Gorda, FL	2.0	2.0	1154	$5,500	$4.77	162d	1	0.09mi
15970 Grassland Ln Punta Gorda, FL	2.0	2.0	1476	$3,800	$2.57	51d	2	0.09mi
15970 Grassland Ln Punta Gorda, FL	2.0	2.0	1476	$6,250	$4.23	162d	2	0.09mi
43011 Greenway Blvd Punta Gorda, FL	2.0	2.0	1360	$6,000	$4.41	6d	2	0.09mi
43011 Greenway Blvd #1224 Punta Gorda, FL	2.0	2.0	1366	$6,000	$4.39	21d	1	0.09mi
43011 Greenway Blvd #1225 Punta Gorda, FL	2.0	2.0	1355	$6,000	$4.43	162d	1	0.09mi
43021 Greenway Blvd #1115 Punta Gorda, FL	2.0	2.0	1355	$2,600	$1.92	22d	1	0.10mi
43021 Greenway Blvd #1115 Punta Gorda, FL	2.0	2.0	1355	$2,600	$1.92	162d	1	0.10mi
43997 Boardwalk Loop #1821 Punta Gorda, FL	3.0	2.0	1301	$6,500	$5.00	21d	1	0.10mi
43997 Boardwalk Loop #1842 Punta Gorda, FL	2.0	2.0	1154	$1,629	$1.41	51d	1	0.10mi
43997 Boardwalk Loop #1832 Punta Gorda, FL	2.0	2.0	1154	$1,800	$1.56	10d	1	0.10mi
43997 Boardwalk Loop #1832 Punta Gorda, FL	2.0	2.0	1154	$5,500	$4.77	0d	1	0.10mi
43997 Boardwalk Loop #1842 Punta Gorda, FL	2.0	2.0	1154	$1,629	$1.41	45d	1	0.10mi
43031 Greenway Blvd Punta Gorda, FL	2.0	2.0	1503	$4,200	$2.79	0d	2	0.11mi
43031 Greenway Blvd Punta Gorda, FL	2.0	2.0	1503	$4,200	$2.79	14d	2	0.11mi
43031 Greenway Blvd #1014 Punta Gorda, FL	2.0	2.0	1366	$6,000	$4.39	162d	1	0.11mi
43031 Greenway Blvd #1024 Punta Gorda, FL	2.0	2.0	1438	$6,000	$4.17	51d	1	0.11mi
43040 Greenway Blvd #532 Punta Gorda, FL	2.0	2.0	1170	$6,000	$5.13	162d	1	0.13mi
43040 Greenway Blvd Punta Gorda, FL	2.0–3.0	2.0	1263	$1,975	$1.56	26d	3	0.13mi

Property features AI

Finance

• Other: Irrigation equipment presentIrrigation uses reclaimed water and rainwater from pondsSolar energy generationGreen energy efficient features in construction and windows
• Financial info: Total annual fees listed: $12,608Total monthly fees listed: $1,050.67Other annual assessment amount: $1,618Lease restrictions apply
• HOA & community: Has HOA (association approval required)Monthly HOA amount: $312.33Quarterly association fee: $937Second quarterly association fee: $408Monthly condo fee amount: $412 (quarterly condo fees listed $1,235)Association amenities include clubhouse, fitness center, pool, spa/hot tub, sauna, tennis courts, pickleball courts, basketball court, trails, storage, gated community, security, wheelchair access, dog park, playground, community mailbox, sidewalks, street lights, golf, and golf cart accessAssociation fee includes internet, structure and grounds maintenance, pool, security, sewer, trash, and water

Exterior

• Parking: Has carport (1 space)No additional designated parking listed
• Security: Gated communitySecurity gateKey card entrySecurity lightsSmoke detectorsFire alarmFire sprinkler system
• Utilities: Public waterPublic sewerElectricity available and connectedUnderground utilitiesBB/HS Internet availableWater and sewer connected
• Home design: CondominiumResidential propertyOne levelFaces eastBuilding has four stories (unit on 1st floor)Turnkey (furnished)
• Construction: Stucco constructionTile roofBlock foundationBuilt by Lennar
• Exterior features: Covered rear porchFire pitHurricane shuttersExterior lightingPlaygroundSaunaSidewalkSliding doorsStorageTennis courtsHeated in-ground spaPrivate heated in-ground poolFishing pierMature landscapingFlorida-friendly/native landscapingNear and on golf courseAsphalt road (public maintained)

Interior

• Kitchen: CooktopDishwasherDisposalIce makerMicrowaveRefrigerator
• Bedrooms: 2 bedrooms
• Flooring: LaminateTile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric)Central air conditioning
• Interior features: Ceiling fansLiving room/dining room comboThermostatWalk-in closet(s)Window treatmentsBlindsStorm windowsAccessible elevator installedAccessible hallwaysAccessible kitchen
• Laundry & utility: WasherDryerElectric dryer hookupLaundry inside

HOA detail $1,050/mo · $12,600/yr condo

• Likely covers: watergym
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 50 events

1. 2026-11-08
   days on market $210,000 Active 174 DOM
2. 2026-11-07
   days on market $210,000 Active 173 DOM
3. 2026-11-06
   days on market $210,000 Active 172 DOM
4. 2026-11-05
   days on market $210,000 Active 171 DOM
5. 2026-11-04
   days on market $210,000 Active 170 DOM
6. 2026-11-02
   days on market $210,000 Active 168 DOM
7. 2026-11-01
   days on market $210,000 Active 167 DOM
8. 2026-10-31
   days on market $210,000 Active 166 DOM
9. 2026-10-30
   price $210,000 Active 164 DOM
10. 2026-10-29
    days on market $220,000 Active 164 DOM
11. 2026-10-28
    days on market $220,000 Active 163 DOM
12. 2026-10-27
    days on market $220,000 Active 162 DOM
13. 2026-10-26
    days on market $220,000 Active 161 DOM
14. 2026-10-25
    days on market $220,000 Active 160 DOM
15. 2026-10-24
    days on market $220,000 Active 159 DOM
16. 2026-10-23
    days on market $220,000 Active 158 DOM
17. 2026-10-22
    days on market $220,000 Active 157 DOM
18. 2026-10-21
    days on market $220,000 Active 156 DOM
19. 2026-10-20
    days on market $220,000 Active 155 DOM
20. 2026-10-19
    days on market $220,000 Active 154 DOM
21. 2026-10-18
    days on market $220,000 Active 153 DOM
22. 2026-10-17
    days on market $220,000 Active 152 DOM
23. 2026-10-16
    days on market $220,000 Active 151 DOM
24. 2026-10-15
    statusdays on market $220,000 Active 150 DOM
25. 2026-10-14
    days on market $220,000 Active Under Contract 149 DOM
26. 2026-10-13
    days on market $220,000 Active Under Contract 148 DOM
27. 2026-10-12
    days on market $220,000 Active Under Contract 147 DOM
28. 2026-10-11
    days on market $220,000 Active Under Contract 146 DOM
29. 2026-10-10
    days on market $220,000 Active Under Contract 145 DOM
30. 2026-10-09
    days on market $220,000 Active Under Contract 144 DOM
31. 2026-10-08
    days on market $220,000 Active Under Contract 143 DOM
32. 2026-10-07
    days on market $220,000 Active Under Contract 142 DOM
33. 2026-10-06
    days on market $220,000 Active Under Contract 141 DOM
34. 2026-10-05
    status $220,000 Active Under Contract 140 DOM
35. 2026-10-05
    days on market $220,000 Active 140 DOM
36. 2026-10-04
    days on market $220,000 Active 139 DOM
37. 2026-10-03
    days on market $220,000 Active 138 DOM
38. 2026-10-02
    days on market $220,000 Active 137 DOM
39. 2026-10-01
    days on market $220,000 Active 136 DOM
40. 2026-09-30
    days on market $220,000 Active 135 DOM
41. 2026-09-29
    days on market $220,000 Active 134 DOM
42. 2026-09-28
    days on market $220,000 Active 133 DOM
43. 2026-09-27
    days on market $220,000 Active 132 DOM
44. 2026-09-26
    days on market $220,000 Active 131 DOM
45. 2026-09-25
    days on market $220,000 Active 130 DOM
46. 2026-09-24
    days on market $220,000 Active 129 DOM
47. 2026-09-24
    days on market $220,000 Active 128 DOM
48. 2026-09-22
    days on market $220,000 Active 127 DOM
49. 2026-09-21
    days on market $220,000 Active 126 DOM
50. 2026-09-20
    days on market $220,000 Active 125 DOM

ⓘ 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: $5,198 · $433/mo
• Projected year-2 tax: $5,198 · $433/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 9/10 Extreme 5 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,434
• − Mortgage interest: −$11,763
• − Property taxes: −$5,198
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,955
• − Management: −$1,955
• − HOA: −$12,600
• − Depreciation: −$6,109
• Taxable loss: −$16,196
• Est. tax savings @ 24.0%: +$3,887
• After-tax cash flow: $-8,873/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 · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $5,990–$17,970 screening

This remodeled golf condo is move-in ready with fresh furnishings and decor, offering a turnkey opportunity in a desirable community.

Value-add opportunities

• Both Landscaping improvements — Enhances curb appeal and adds value. ↑
• Both Painting exterior walls — Fresh paint can improve curb appeal and value. ↑
• Both Landscaping improvements — Enhances curb appeal and adds value. ↑

ⓘ 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.

D Composite school gradezoned avg 55/100

Zoned Schools

Elementary East Elementary School B+ FL #435/2,144 Nat'l #4,272/41,679 Middle Punta Gorda Middle School C+ FL #209/571 Nat'l #2,873/14,009 High Charlotte High School D- FL #228/667 Nat'l #6,809/17,239

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

B Composite livability gradescore 76/100

Livability — Punta Gorda

• Score: 76/100
• State rank: #225
• US rank: #3567

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Charlotte County · 198,646 people
• City population: 68,831
• Metro: Punta Gorda, FL
• Population (ZIP): 13,006
• Household income: $72,443
• Rent vs Own: 11.2% rent · 88.8% own
• Severe rent burden: 42% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Two or more races 8% Hispanic / Latino 7% Black 7%
• Hispanic origin (detail): Puerto Rican 2% Cuban 3%
• Languages at home: 93% English-only · Spanish 5% German/W. Germanic 1% Arabic 1%

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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: ▼ -5.25%
• Current HPI: 448.5895
• Rent YoY: ▲ 4.13%
• Metro: Punta Gorda, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• Other: Irrigation equipment presentIrrigation uses reclaimed water and rainwater from pondsSolar energy generationGreen energy efficient features in construction and windows
• Financial info: Total annual fees listed: $12,608Total monthly fees listed: $1,050.67Other annual assessment amount: $1,618Lease restrictions apply
• HOA & community: Has HOA (association approval required)Monthly HOA amount: $312.33Quarterly association fee: $937Second quarterly association fee: $408Monthly condo fee amount: $412 (quarterly condo fees listed $1,235)Association amenities include clubhouse, fitness center, pool, spa/hot tub, sauna, tennis courts, pickleball courts, basketball court, trails, storage, gated community, security, wheelchair access, dog park, playground, community mailbox, sidewalks, street lights, golf, and golf cart accessAssociation fee includes internet, structure and grounds maintenance, pool, security, sewer, trash, and water

Exterior

• Parking: Has carport (1 space)No additional designated parking listed
• Security: Gated communitySecurity gateKey card entrySecurity lightsSmoke detectorsFire alarmFire sprinkler system
• Utilities: Public waterPublic sewerElectricity available and connectedUnderground utilitiesBB/HS Internet availableWater and sewer connected
• Home design: CondominiumResidential propertyOne levelFaces eastBuilding has four stories (unit on 1st floor)Turnkey (furnished)
• Construction: Stucco constructionTile roofBlock foundationBuilt by Lennar
• Exterior features: Covered rear porchFire pitHurricane shuttersExterior lightingPlaygroundSaunaSidewalkSliding doorsStorageTennis courtsHeated in-ground spaPrivate heated in-ground poolFishing pierMature landscapingFlorida-friendly/native landscapingNear and on golf courseAsphalt road (public maintained)

Interior

• Kitchen: CooktopDishwasherDisposalIce makerMicrowaveRefrigerator
• Bedrooms: 2 bedrooms
• Flooring: LaminateTile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric)Central air conditioning
• Interior features: Ceiling fansLiving room/dining room comboThermostatWalk-in closet(s)Window treatmentsBlindsStorm windowsAccessible elevator installedAccessible hallwaysAccessible kitchen
• Laundry & utility: WasherDryerElectric dryer hookupLaundry inside

Price history

-26.2% since first listed

31 events — show timeline

• 2026-06-27 Price Changed $240,000 FORTMLS
• 2026-06-27 Price Changed $240,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-18 Listed $255,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-26 Listed $255,000 FORTMLS
• 2025-02-05 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-02-05 Listing Removed — FORTMLS
• 2024-10-16 Rental Removed $5,800 NAPLESMLS
• 2024-10-15 Price Changed $279,999 Stellar MLS as Distributed by MLS Grid
• 2024-10-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-10-15 Listed $279,999 FORTMLS
• 2024-10-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-10-12 Listing Removed — FORTMLS
• 2024-09-26 Price Changed $280,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-26 Price Changed $280,000 FORTMLS
• 2024-07-09 Price Changed $5,800 NAPLESMLS
• 2024-05-23 Listed for Rent $6,000 NAPLESMLS
• 2024-05-23 Rental Removed $6,000 FORTMLS
• 2024-05-22 Listed for Rent $6,000 FORTMLS
• 2024-04-06 Price Changed $295,000 Stellar MLS as Distributed by MLS Grid
• 2024-04-06 Price Changed $295,000 FORTMLS
• 2024-03-13 Price Changed $310,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-13 Price Changed $310,000 FORTMLS
• 2023-11-15 Price Changed $315,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-15 Price Changed $315,000 FORTMLS
• 2023-11-01 Price Changed $320,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-01 Price Changed $320,000 FORTMLS
• 2023-09-19 Price Changed $330,000 FORTMLS
• 2023-09-19 Listed $330,000 Stellar MLS as Distributed by MLS Grid
• 2023-09-19 Listed $329,900 FORTMLS
• 2022-10-03 Listing Removed — FORTMLS
• 2022-09-16 Listed $325,000 FORTMLS

Property tax history

+4.4%/yr

Latest (2025): $5,198 · -2.0% YoY. Source: county tax records.