242 Annapolis Ln · Rotonda, FL 33947

$249,999

3 bd · 2.0 ba · 1,255 sqft · SingleFamily public records · 142 Days on market

Built 1986 9,999 sqft lot Est $243k · at est. $15/mo HOA · 1% of rent

---

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
• ARV discount +6.3/15.0
• DSCR +6.1/10.0
• Appreciation +5.6/10.0
• 1% rule +4.7/10.0
• Schools +4.6/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0

Listing remarks MLS

The moment you arrive at this beautiful home, you immediately know the sun is always shining at 242 Annapolis Lane! The tropical landscaping, newer roof, and stylish exterior features create anticipation for what lies ahead. As you walk through the whimsical covered courtyard style entrance, past the elegant leaded glass paned door, the spectacular canal views are framed by the stylish French Doors just past the Dining Room. The gleaming ceramic tile and wood laminate flooring leads you throughout this home and is easy to maintain. The designer wall colors, elegant lighting fixtures, and upgraded ceiling fans speak to the quality of this home. Numerous windows throughout the home create an energizing flow of natural light and the well-designed floorplan creates the feel of a much larger home. The split bedrooms offer privacy for you and your guests who will never want to leave, and the bonus room provides a sunny space with canal views for a sitting room, office, studio, or additional space for guests. The large, galley style kitchen features granite look counters, wood cabinets, 2011 appliances, and breakfast bar. Have coffee on the peaceful patio as you plan your day, enjoying the rear Southern Exposure. Located in a premier golfing community, you are close to golf courses, beaches, shopping, and restaurants. Completely re-piped with plastic piping, 2012 HVAC system, hurricane rated garage door, a large fenced yard, and many furnishings available to purchase. It’s time for your sun to shine. Call today!

Key facts

• Two mango trees
• Private oasis
• Freshwater canal

Tags

• FRESHWATER CANAL
• PRIVATE OASIS
• TWO MANGO TREES
• STAMPED CONCRETE PATIO
• FULLY FENCED BACKYARD
• NO-CARPET DESIGN

Property features AI

Finance

• Other: Turnkey furnished; Homestead exemption indicated; Direction faces north
• Financial info: Lease restrictions apply
• HOA & community: Rotonda West Association (annual fee $190 / $15.83 monthly); Association amenities include golf course, park, playground, storage; Association fee required; Pets allowed (cats and dogs); Golf carts allowed; Community features: golf, park, playground

Exterior

• Parking: Attached 2-car garage (25x20) with garage door opener; Driveway
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; North-facing; Completed condition; On waterfront with canal view and water access (Oakland Hills Creek) — 80 ft. frontage
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built as residential (public records)
• Exterior features: French doors; Rain gutters; Near golf course; Paved road access; Mature landscaping with trees

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Split bedroom layout; Walk-in closets; Window treatments
• Laundry & utility: Washer; Dryer; Inside laundry room; Inside utility

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $-151 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $223k (10.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $242k (3.2% below list).
• Recommended offer: $220k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.6% 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); Lemon Bay High School (math 50% / reading 56%, grade C-, #148 of 667 statewide, top 23%, 1,360 students, 28% FRL) — zoned schools average 37% FRL vs 54% district-wide (17 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents soft (-0.2%/yr); 863 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($2k loan paydown + $3k appreciation (1.2% local appreciation)).
• Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 7, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 142 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 15y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $172k; 45% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $219,999 (12.0% 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 142 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
9. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
10. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
11. 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.
12. 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.
13. 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: 0.97% ✗
• Cap rate: 7.62%
• Cash-on-cash: 4.72%
• DSCR: 1.21
• GRM: 8.6

CMA / ARV

• ARV (on-the-fly): $243,470
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
192 Annapolis Ln	0.38mi	2/2.0 (-1)	1,270 (+1%)	1mo	$140,000	$110	75
193 Caddy Rd	0.19mi	3/2.0	1,270 (+1%)	23mo	$247,000	$194	70
11 Mark Twain Ln	0.36mi	2/2.0 (-1)	1,311 (+4%)	14mo	$235,000	$179	59
149 Caddy Rd	0.52mi	3/2.0	1,284 (+2%)	23mo	$290,000	$226	53
139 Rotonda Cir	0.48mi	2/2.0 (-1)	1,319 (+5%)	16mo	$282,000	$214	50
159 Annapolis Ln	0.63mi	2/2.0 (-1)	1,298 (+3%)	18mo	$175,000	$135	45
47 Caddy Rd	0.64mi	2/2.0 (-1)	1,240 (-1%)	22mo	$335,000	$270	45
180 Caddy Rd	0.30mi	2/2.0 (-1)	1,438 (+15%)	20mo	$199,500	$139	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.25% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -2.5%
• Equity multiple: 0.88×
• Total profit: $-8,719
• Equity at exit: $88,614

10-year hold

• IRR: 0.5%
• Equity multiple: 1.06×
• Total profit: $4,377
• Equity at exit: $120,329

Cash invested: $70,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33947

• Home prices YoY: 0.4%
• Rents YoY: -0.2%
• Active inventory: 863
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $2,419 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$205 /mo · $2,464/yr
• Insurance: −$104
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$15
• Vacancy / Maint / Mgmt: −$508
• Net cashflow: $-151

Break-even live

Break-even rent $2,610

Max offer price $223,320

Occupancy floor —

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
239 Annapolis Ln Rotonda West, FL	3.0	2.0	1747	$2,000	$1.14	21d	1	0.05mi
230 Annapolis Ln Rotonda West, FL	3.0	2.0	1768	$1,800	$1.02	21d	1	0.07mi
37 Oakland Hills Pl Rotonda West, FL	3.0	2.0	1321	$4,000	$3.03	21d	1	0.20mi
65 Oakland Hills Pl Rotonda West, FL	2.0	2.0	1444	$4,500	$3.12	21d	1	0.21mi
42 Mark Twain Ln Rotonda West, FL	3.0	2.5	1677	$2,800	$1.67	21d	1	0.24mi
199 Rotonda Blvd W Unit C Rotonda West, FL	2.0	2.0	974	$1,475	$1.51	13d	1	0.30mi
87 Mark Twain Ln Rotonda West, FL	3.0	2.0	1235	$2,500	$2.02	21d	1	0.30mi
60 Golfview Rd Rotonda West, FL	3.0	2.0	1336	$5,550	$4.15	21d	1	0.32mi
195 Rotonda Blvd W Unit A Rotonda West, FL	3.0	2.0	1162	$1,850	$1.59	21d	1	0.33mi
64 Golfview Rd Rotonda West, FL	4.0	2.0	1697	$1,795	$1.06	13d	1	0.33mi
284 Rotonda Blvd W Rotonda West, FL	2.0	2.0	897	$1,475	$1.64	21d	1	0.38mi
18 Golfview Ct Rotonda West, FL	3.0	2.0	1686	$3,000	$1.78	21d	1	0.39mi
260 Rotonda Blvd W Unit 2 Rotonda West, FL	3.0	2.0	1047	$1,500	$1.43	21d	1	0.42mi
173 Rotonda Cir Rotonda West, FL	3.0	2.0	1350	$3,200	$2.37	21d	1	0.44mi
45 Oakland Hills Ct Rotonda West, FL	4.0	2.0	1536	$2,700	$1.76	21d	1	0.51mi
98 Caddy Rd Rotonda West, FL	2.0	2.0	1167	$4,000	$3.43	21d	1	0.53mi
118 Caddy Rd Rotonda West, FL	3.0	2.0	1828	$2,795	$1.53	21d	1	0.58mi
226 Boundary Blvd Rotonda West, FL	2.0	2.0	1200	$1,495	$1.25	13d	1	0.58mi
36 Bunker Cir Rotonda West, FL	2.0	2.0	1533	$3,999	$2.61	21d	1	0.63mi
100 Rotonda Lakes Cir Rotonda West, FL	1.0–3.0	1.0–2.0	1024	$1,232	$1.20	13d	1	0.65mi
113 Boundary Blvd #2 Rotonda West, FL	3.0	2.0	1323	$1,625	$1.23	13d	1	0.67mi
113 Boundary Blvd Unit B 1 Rotonda West, FL	3.0	2.0	1325	$1,695	$1.28	21d	1	0.67mi
181 Bunker Rd Rotonda West, FL	2.0	2.0	1355	$4,600	$3.39	21d	1	0.72mi
93 Boundary Blvd #303 Rotonda West, FL	2.0	2.0	1228	$2,800	$2.28	13d	1	0.75mi
278 Boundary Blvd Unit B Rotonda West, FL	2.0	2.0	1138	$1,625	$1.43	21d	1	0.80mi
289 Boundary Blvd Unit 202 Rotonda West, FL	3.0	2.0	1168	$1,645	$1.41	21d	1	0.86mi
65 Fairway Rd Rotonda West, FL	3.0	2.0	1865	$2,700	$1.45	21d	1	0.95mi
309 Boundary Blvd Unit B Rotonda West, FL	2.0	2.0	960	$1,450	$1.51	21d	1	0.97mi
285 Mark Twain Ln Rotonda West, FL	3.0	2.0	1759	$1,750	$0.99	21d	1	1.07mi
6800 Placida Rd #283 Englewood, FL	2.0	2.0	1092	$1,500	$1.37	21d	1	1.34mi
155 Long Meadow Ln Rotonda West, FL	3.0	2.0	1598	$4,500	$2.82	21d	1	1.44mi

HOA detail

• Monthly dues: $15 · $180/yr
• Likely covers: landscaping

Listing history 27 events

1. 2026-06-18
   days on market $249,999 Active 142 DOM
2. 2026-06-17
   days on market $249,999 Active 141 DOM
3. 2026-06-16
   days on market $249,999 Active 140 DOM
4. 2026-06-15
   days on market $249,999 Active 139 DOM
5. 2026-06-14
   days on market $249,999 Active 137 DOM
6. 2026-06-13
   days on market $249,999 Active 136 DOM
7. 2026-06-10
   days on market $249,999 Active 134 DOM
8. 2026-06-09
   days on market $249,999 Active 133 DOM
9. 2026-06-08
   days on market $249,999 Active 132 DOM
10. 2026-06-05
    days on market $249,999 Active 128 DOM
11. 2026-06-03
    days on market $249,999 Active 127 DOM
12. 2026-06-02
    days on market $249,999 Active 126 DOM
13. 2026-06-01
    days on market $249,999 Active 125 DOM
14. 2026-05-31
    days on market $249,999 Active 124 DOM
15. 2026-05-30
    days on market $249,999 Active 123 DOM
16. 2026-05-16
    status Active
17. 2026-01-22
    listed $249,999 Active
18. 2019-03-29
    soldstatus $172,000 Sold 1536-char remark

    Show marketing remark (1536 chars)

    The moment you arrive at this beautiful home, you immediately know the sun is always shining at 242 Annapolis Lane! The tropical landscaping, newer roof, and stylish exterior features create anticipation for what lies ahead. As you walk through the whimsical covered courtyard style entrance, past the elegant leaded glass paned door, the spectacular canal views are framed by the stylish French Doors just past the Dining Room. The gleaming ceramic tile and wood laminate flooring leads you throughout this home and is easy to maintain. The designer wall colors, elegant lighting fixtures, and upgraded ceiling fans speak to the quality of this home. Numerous windows throughout the home create an energizing flow of natural light and the well-designed floorplan creates the feel of a much larger home. The split bedrooms offer privacy for you and your guests who will never want to leave, and the bonus room provides a sunny space with canal views for a sitting room, office, studio, or additional space for guests. The large, galley style kitchen features granite look counters, wood cabinets, 2011 appliances, and breakfast bar. Have coffee on the peaceful patio as you plan your day, enjoying the rear Southern Exposure. Located in a premier golfing community, you are close to golf courses, beaches, shopping, and restaurants. Completely re-piped with plastic piping, 2012 HVAC system, hurricane rated garage door, a large fenced yard, and many furnishings available to purchase. It’s time for your sun to shine. Call today!

19. 2019-03-29
    soldstatus $172,000

    Show marketing remark (1536 chars)

    The moment you arrive at this beautiful home, you immediately know the sun is always shining at 242 Annapolis Lane! The tropical landscaping, newer roof, and stylish exterior features create anticipation for what lies ahead. As you walk through the whimsical covered courtyard style entrance, past the elegant leaded glass paned door, the spectacular canal views are framed by the stylish French Doors just past the Dining Room. The gleaming ceramic tile and wood laminate flooring leads you throughout this home and is easy to maintain. The designer wall colors, elegant lighting fixtures, and upgraded ceiling fans speak to the quality of this home. Numerous windows throughout the home create an energizing flow of natural light and the well-designed floorplan creates the feel of a much larger home. The split bedrooms offer privacy for you and your guests who will never want to leave, and the bonus room provides a sunny space with canal views for a sitting room, office, studio, or additional space for guests. The large, galley style kitchen features granite look counters, wood cabinets, 2011 appliances, and breakfast bar. Have coffee on the peaceful patio as you plan your day, enjoying the rear Southern Exposure. Located in a premier golfing community, you are close to golf courses, beaches, shopping, and restaurants. Completely re-piped with plastic piping, 2012 HVAC system, hurricane rated garage door, a large fenced yard, and many furnishings available to purchase. It’s time for your sun to shine. Call today!

20. 2019-02-26
    status Pending 1536-char remark

    Show marketing remark (1536 chars)

    The moment you arrive at this beautiful home, you immediately know the sun is always shining at 242 Annapolis Lane! The tropical landscaping, newer roof, and stylish exterior features create anticipation for what lies ahead. As you walk through the whimsical covered courtyard style entrance, past the elegant leaded glass paned door, the spectacular canal views are framed by the stylish French Doors just past the Dining Room. The gleaming ceramic tile and wood laminate flooring leads you throughout this home and is easy to maintain. The designer wall colors, elegant lighting fixtures, and upgraded ceiling fans speak to the quality of this home. Numerous windows throughout the home create an energizing flow of natural light and the well-designed floorplan creates the feel of a much larger home. The split bedrooms offer privacy for you and your guests who will never want to leave, and the bonus room provides a sunny space with canal views for a sitting room, office, studio, or additional space for guests. The large, galley style kitchen features granite look counters, wood cabinets, 2011 appliances, and breakfast bar. Have coffee on the peaceful patio as you plan your day, enjoying the rear Southern Exposure. Located in a premier golfing community, you are close to golf courses, beaches, shopping, and restaurants. Completely re-piped with plastic piping, 2012 HVAC system, hurricane rated garage door, a large fenced yard, and many furnishings available to purchase. It’s time for your sun to shine. Call today!

21. 2019-02-23
    price $174,900 1536-char remark

    Show marketing remark (1536 chars)

    The moment you arrive at this beautiful home, you immediately know the sun is always shining at 242 Annapolis Lane! The tropical landscaping, newer roof, and stylish exterior features create anticipation for what lies ahead. As you walk through the whimsical covered courtyard style entrance, past the elegant leaded glass paned door, the spectacular canal views are framed by the stylish French Doors just past the Dining Room. The gleaming ceramic tile and wood laminate flooring leads you throughout this home and is easy to maintain. The designer wall colors, elegant lighting fixtures, and upgraded ceiling fans speak to the quality of this home. Numerous windows throughout the home create an energizing flow of natural light and the well-designed floorplan creates the feel of a much larger home. The split bedrooms offer privacy for you and your guests who will never want to leave, and the bonus room provides a sunny space with canal views for a sitting room, office, studio, or additional space for guests. The large, galley style kitchen features granite look counters, wood cabinets, 2011 appliances, and breakfast bar. Have coffee on the peaceful patio as you plan your day, enjoying the rear Southern Exposure. Located in a premier golfing community, you are close to golf courses, beaches, shopping, and restaurants. Completely re-piped with plastic piping, 2012 HVAC system, hurricane rated garage door, a large fenced yard, and many furnishings available to purchase. It’s time for your sun to shine. Call today!

22. 2019-01-31
    listed $179,900 Active 1536-char remark

    Show marketing remark (1536 chars)

    The moment you arrive at this beautiful home, you immediately know the sun is always shining at 242 Annapolis Lane! The tropical landscaping, newer roof, and stylish exterior features create anticipation for what lies ahead. As you walk through the whimsical covered courtyard style entrance, past the elegant leaded glass paned door, the spectacular canal views are framed by the stylish French Doors just past the Dining Room. The gleaming ceramic tile and wood laminate flooring leads you throughout this home and is easy to maintain. The designer wall colors, elegant lighting fixtures, and upgraded ceiling fans speak to the quality of this home. Numerous windows throughout the home create an energizing flow of natural light and the well-designed floorplan creates the feel of a much larger home. The split bedrooms offer privacy for you and your guests who will never want to leave, and the bonus room provides a sunny space with canal views for a sitting room, office, studio, or additional space for guests. The large, galley style kitchen features granite look counters, wood cabinets, 2011 appliances, and breakfast bar. Have coffee on the peaceful patio as you plan your day, enjoying the rear Southern Exposure. Located in a premier golfing community, you are close to golf courses, beaches, shopping, and restaurants. Completely re-piped with plastic piping, 2012 HVAC system, hurricane rated garage door, a large fenced yard, and many furnishings available to purchase. It’s time for your sun to shine. Call today!

23. 2011-11-18
    soldstatus $60,500 679-char remark

    Show marketing remark (679 chars)

    A great opportunity to own a 2/2/2 with fenced in yard and mature trees overlooking the freshwater canal in popular golfing community of Oakland Hills. The kitchen features beautiful cabinetry, exceptional lighting throughout along with warm tones andhuge shade trees to keep you cool during our warm summer months. Maybe you are a first time home buyer looking for an affordable home or a snow bird looking for a winter retreat this home can suite all your needs! Come take a look! Please note:Bank of America Home Loans Prequalification required on all offers - Please allow 2-3 business days for seller response- * * * Seller looking for solid cash offers please * * *

24. 2011-08-04
    listed $60,500 679-char remark

    Show marketing remark (679 chars)

    A great opportunity to own a 2/2/2 with fenced in yard and mature trees overlooking the freshwater canal in popular golfing community of Oakland Hills. The kitchen features beautiful cabinetry, exceptional lighting throughout along with warm tones andhuge shade trees to keep you cool during our warm summer months. Maybe you are a first time home buyer looking for an affordable home or a snow bird looking for a winter retreat this home can suite all your needs! Come take a look! Please note:Bank of America Home Loans Prequalification required on all offers - Please allow 2-3 business days for seller response- * * * Seller looking for solid cash offers please * * *

25. 1998-11-24
    soldstatus $47,800
26. 1995-01-19
    soldstatus $62,000
27. 1992-04-01
    soldstatus $59,900

ⓘ 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: $2,464 · $205/mo
• Projected year-2 tax: $2,464 · $205/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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 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: $29,029
• − Mortgage interest: −$14,004
• − Property taxes: −$2,464
• − Insurance: −$6,368
• − Repairs & maintenance: −$2,322
• − Management: −$2,322
• − HOA: −$180
• − Depreciation: −$7,273
• Taxable loss: −$5,905
• Est. tax savings @ 24.0%: +$1,417
• After-tax cash flow: $-395/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

• Census place: Rotonda, FL
• County: Charlotte County · 196,994 people
• City population: 10,490
• Metro: Punta Gorda, FL
• Population (ZIP): 10,447
• Household income: $80,091
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 91.0

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 (96%)
• Race & ethnicity: White 96% Hispanic / Latino 2% Two or more races 2%
• Common ancestry: Romanian 5% Lithuanian 4% Slovak 4%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 93% English-only · Russian/Polish/Slavic 3% 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: ▲ 1.25%
• Current HPI: 311.3231
• Rent YoY: ▼ -0.22%
• 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

+317.4% since first listed

12 events — show timeline

• 2026-05-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-22 Listed $249,999 Stellar MLS as Distributed by MLS Grid
• 2019-03-29 Sold (Public Records) $172,000 Public Records
• 2019-03-29 Sold (MLS) $172,000 Stellar MLS as Distributed by MLS Grid
• 2019-02-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-02-23 Price Changed $174,900 Stellar MLS as Distributed by MLS Grid
• 2019-01-31 Listed $179,900 Stellar MLS as Distributed by MLS Grid
• 2011-11-18 Sold (MLS) $60,500 Stellar MLS as Distributed by MLS Grid
• 2011-08-04 Listed $60,500 Stellar MLS as Distributed by MLS Grid
• 1998-11-24 Sold (Public Records) $47,800 Public Records
• 1995-01-19 Sold (Public Records) $62,000 Public Records
• 1992-04-01 Sold (Public Records) $59,900 Public Records

Property tax history

+8.0%/yr

Latest (2025): $2,464 · +3.4% YoY. Source: county tax records.