2327 Ambrose Ln · Port Charlotte, FL 33952

$170,000

2 bd · 2.0 ba · 1,298 sqft · SingleFamily public records · 66 Days on market

Built 1972 9,999 sqft lot Est $214k · 21% under

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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 +20.0/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +5.0/10.0
• 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

A TRUE FLORIDIAN CHARMER!!! SEARCHING FOR A QUIET NEIGHBOORHOOD AND CLOSE TO SHOPPING, BALL GAMES , RESTARAUNTS WHERE ALL YOUR ENTERTAINING NEEDS ARE MET, THEN HERE IT IS. THIS IS A 3 BEDROOM 2 BATH POOL HOME, BLOCK CONSTRUCTED WITH ASTOUNDING LUSH GARDENS AND MANY VARIETIES OF FRUIT TREES LOCATED RIGHT IN THE HEART OF PORT CHARLOTTE. THE PROPERTY HAS THE REAL SPANISH DESIGN TILE THROUGHOUT THE HOME AND LANIA. A NEWER A/C SYSTEM AND ELECTRIC BOX WITH A RECENTLY UPDATED KITCHEN INCLUDING GRANITE COUNTERS AND REAL WOOD CABINETS. THE BATHROOMS HAVE BEEN TASTEFULLY DECORATED WITH ALL NEW TILE IN THE SHOWERS AND VANITIES. MATURE LANDCAPING ALL AROUND THE PROPERTY WITH PLENTY OF SHADE FOR THOSE HOT DAYS. IF YOU LOVE THE EXOTIC GARDENS THIS PROPERTY HAS ALL OF THE FOLLOWING 25 pineapples from different country’s, 2 morenga, 2 banana, 2 lemon 1 each, 2 Avocado's, 2 Barbados cherry bushes, Aloe Vera Miracle berry, Açaí berry, 2 orange, Grape vines, Basil, Oregano, Garlic and 30 different Bromiliads all variety’s. MAKE YOUR APPOINTMENT TODAY.

Key facts

• Flexible layout
• 2022 roof
• 9,999 sq ft lot

Tags

• IN GROUND PRIVATE POOL
• 2022 ROOF
• QUIET ESTABLISHED NEIGHBORHOOD
• FLEXIBLE LAYOUT

Property features AI

Finance

• Other: Homestead exempt; Zoned RSF3.5
• Financial info: No lease restrictions
• HOA & community: No HOA/association; Pets allowed

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single-family residence; One story; Faces northeast
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built on a 0.23-acre lot with trees and landscaping; Lot dimensions approximately 80 x 125
• Exterior features: Covered front and rear porches; Patios/porches: front porch, rear porch; In-ground gunite private pool

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Living room / dining room combo; Solid wood cabinets; Tray ceilings; Sliding doors
• Laundry & utility: Washer; Dryer; Inside laundry room

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $143 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $170k (0.0% below list).
• Recommended offer: $160k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.8% 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: employment D, amenities F, 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: Peace River Elementary School (math 56% / reading 54%, grade C, #872 of 2,144 statewide, top 42%, 581 students, 64% FRL); Port Charlotte High School (math 23% / reading 38%, grade F, #434 of 667 statewide, top 66%, 1,649 students, 43% FRL) — zoned schools at 54% FRL track the district average.
• 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 33% 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 $1k of loan paydown is wiped out by about $5k 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 66 days — a 6% lower offer ($160k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 17y ago; this cycle's ask has dropped $10k (6%) 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.
• Climate carrying-cost: severe flood risk; 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 $159,800 (6.0% below list)

Questions for the listing agent

1. It's been on market 66 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 1.00% ✗
• Cap rate: 7.77%
• Cash-on-cash: 5.28%
• DSCR: 1.24
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $214,170
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1660 Eagle St	0.33mi	2/2.0	1,176 (-9%)	1mo	$199,999	$170	68
1581 Faraday St	0.48mi	2/2.0	1,349 (+4%)	5mo	$229,000	$170	67
2395 Alda Ln	0.25mi	2/2.0	1,150 (-11%)	6mo	$120,000	$104	65
737 Hartford Dr NW	0.38mi	3/2.0 (+1)	1,225 (-6%)	15mo	$190,000	$155	55
21227 Gladis Ave	0.73mi	2/1.0	1,241 (-4%)	2mo	$205,000	$165	53
510 E Tarpon Blvd NW	0.70mi	2/2.0	1,316 (+1%)	18mo	$489,900	$372	50
20169 Astoria Ave	0.72mi	2/2.0	1,194 (-8%)	6mo	$150,000	$126	48
3120 Pinetree St	0.66mi	2/2.0	1,154 (-11%)	9mo	$159,000	$138	43
509 Beal St NW	0.72mi	2/2.0	1,169 (-10%)	13mo	$225,000	$192	39

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

Projected returns pro-forma

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

5-year hold

• IRR: -14.1%
• Equity multiple: 0.51×
• Total profit: $-23,376
• Equity at exit: $25,348

10-year hold

• IRR: -11.2%
• Equity multiple: 0.42×
• Total profit: $-27,704
• Equity at exit: $14,698

Cash invested: $47,600 (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: 8.3×

Monthly cashflow live

• Estimated rent: $1,699 high
• Mortgage (P&I): −$891
• Tax from tax record: −$171 /mo · $2,048/yr
• Insurance: −$71
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$357
• Net cashflow: $143

Break-even live

Break-even rent $1,518

Max offer price $170,000

Occupancy floor 87%

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2443 Duke Ln Port Charlotte, FL	3.0	2.0	1831	$1,650	$0.90	13d	1	0.21mi
2395 Alda Ln Port Charlotte, FL	2.0	2.0	1150	$1,775	$1.54	21d	1	0.22mi
2472 Picnic St Port Charlotte, FL	2.0	2.0	990	$1,575	$1.59	21d	1	0.37mi
21061 Midway Blvd Port Charlotte, FL	2.0	1.0	897	$1,600	$1.78	21d	1	0.51mi
2456 Elkcam Blvd Port Charlotte, FL	2.0	2.0	1015	$1,700	$1.67	21d	1	0.51mi
2425 Caring Way Unit 205 Port Charlotte, FL	2.0	2.0	900	$1,400	$1.56	21d	1	0.56mi
650 Hartford Dr NW Port Charlotte, FL	2.0	2.0	1200	$1,600	$1.33	21d	1	0.60mi
20310 Lorenzo Ave Port Charlotte, FL	3.0	2.0	1600	$2,100	$1.31	21d	1	0.60mi
21155 Meehan Ave Port Charlotte, FL	3.0	1.0	1060	$1,300	$1.23	21d	1	0.61mi
533 Crandall St NW Port Charlotte, FL	3.0	2.0	1328	$1,550	$1.17	21d	1	0.64mi
401 Skylark Ln NW Port Charlotte, FL	3.0	2.0	1167	$1,650	$1.41	21d	1	0.79mi
21212 Burkhart Dr Port Charlotte, FL	3.0	2.0	1863	$2,350	$1.26	21d	1	0.80mi
21298 Stillwater Ave Port Charlotte, FL	2.0	1.0	1798	$1,300	$0.72	21d	1	0.81mi
21307 Gertrude Ave Port Charlotte, FL	2.0	3.0	1170	$1,650	$1.41	21d	1	0.81mi
21322 Stillwater Ave Port Charlotte, FL	2.0	1.0	1080	$1,300	$1.20	21d	1	0.85mi
2000 Forrest Nelson Blvd Unit B6 Port Charlotte, FL	2.0	2.5	1218	$1,400	$1.15	21d	1	0.93mi
1358 Arrow St Port Charlotte, FL	2.0	1.0	1650	$1,500	$0.91	13d	1	0.94mi
1342 Eagle St Port Charlotte, FL	3.0	2.0	1693	$2,000	$1.18	21d	1	0.96mi
21385 Gibralter Dr Port Charlotte, FL	2.0	2.0	1172	$1,650	$1.41	21d	1	0.96mi
651 Chamber St NW Port Charlotte, FL	3.0	2.0	1196	$1,900	$1.59	21d	1	1.00mi
1515 Forrest Nelson Blvd Port Charlotte, FL	2.0	2.0	899	$2,000	$2.22	21d	2	1.04mi
1293 Dorchester St Port Charlotte, FL	2.0	2.0	1250	$1,800	$1.44	13d	1	1.06mi
20362 Emerald Ave Port Charlotte, FL	2.0	2.0	1220	$1,750	$1.43	21d	1	1.08mi
266 Rockwood St NW Port Charlotte, FL	3.0	2.0	1400	$1,850	$1.32	13d	1	1.09mi
1506 Dewitt St Port Charlotte, FL	3.0	2.0	1198	$1,800	$1.50	21d	1	1.10mi
21426 Glendale Ave Port Charlotte, FL	3.0	1.5	1423	$1,511	$1.06	13d	1	1.11mi
3100 Harbor Blvd Port Charlotte, FL	2.0	1.0–1.5	994	$1,472	$1.48	21d	2	1.11mi
249 Seminole Blvd NW Port Charlotte, FL	3.0	2.0	1389	$1,750	$1.26	21d	1	1.13mi
945 Chevy Chase St Port Charlotte, FL	3.0	2.0	1582	$2,875	$1.82	21d	1	1.14mi
979 Roseway Ter NW Port Charlotte, FL	3.0	1.5	1140	$1,525	$1.34	21d	1	1.15mi
979 Roseway Ter NW Unit 979 Port Charlotte, FL	2.0	2.0	1140	$1,750	$1.54	21d	1	1.15mi
21422 Kenyon Ave Port Charlotte, FL	2.0	2.0	1149	$1,400	$1.22	21d	1	1.16mi
3126 Harbor Blvd Unit 3A Port Charlotte, FL	2.0	2.0	1100	$1,500	$1.36	13d	1	1.16mi
557 Mayview Ave NW Port Charlotte, FL	3.0	2.0	1513	$1,796	$1.19	21d	1	1.17mi
525 Altoona St NW Port Charlotte, FL	2.0	2.0	1002	$1,750	$1.75	21d	1	1.18mi
21440 Mallory Ave Port Charlotte, FL	2.0	1.0	930	$1,550	$1.67	21d	1	1.20mi
1000 Chevy Chase St Port Charlotte, FL	3.0	2.0	1589	$3,500	$2.20	21d	1	1.21mi
21499 Glendale Ave Port Charlotte, FL	3.0	1.0	1077	$1,600	$1.49	21d	1	1.22mi
125 Cambridge Dr NW Unit NA Port Charlotte, FL	2.0	1.0	1200	$1,750	$1.46	21d	1	1.28mi
2171 Birchcrest Blvd Port Charlotte, FL	2.0	1.5	1162	$1,500	$1.29	21d	1	1.28mi

Listing history 16 events

1. 2026-05-18
   status Pending
2. 2026-03-16
   status Active
3. 2026-03-16
   price $170,000
4. 2026-03-05
   status Pending
5. 2026-03-02
   listed $180,000 Active
6. 2020-12-07
   soldstatus $182,000 Sold 1075-char remark

   Show marketing remark (1075 chars)

   A TRUE FLORIDIAN CHARMER!!! SEARCHING FOR A QUIET NEIGHBOORHOOD AND CLOSE TO SHOPPING, BALL GAMES , RESTARAUNTS WHERE ALL YOUR ENTERTAINING NEEDS ARE MET, THEN HERE IT IS. THIS IS A 3 BEDROOM 2 BATH POOL HOME, BLOCK CONSTRUCTED WITH ASTOUNDING LUSH GARDENS AND MANY VARIETIES OF FRUIT TREES LOCATED RIGHT IN THE HEART OF PORT CHARLOTTE. THE PROPERTY HAS THE REAL SPANISH DESIGN TILE THROUGHOUT THE HOME AND LANIA. A NEWER A/C SYSTEM AND ELECTRIC BOX WITH A RECENTLY UPDATED KITCHEN INCLUDING GRANITE COUNTERS AND REAL WOOD CABINETS. THE BATHROOMS HAVE BEEN TASTEFULLY DECORATED WITH ALL NEW TILE IN THE SHOWERS AND VANITIES. MATURE LANDCAPING ALL AROUND THE PROPERTY WITH PLENTY OF SHADE FOR THOSE HOT DAYS. IF YOU LOVE THE EXOTIC GARDENS THIS PROPERTY HAS ALL OF THE FOLLOWING 25 pineapples from different country’s, 2 morenga, 2 banana, 2 lemon 1 each, 2 Avocado's, 2 Barbados cherry bushes, Aloe Vera Miracle berry, Açaí berry, 2 orange, Grape vines, Basil, Oregano, Garlic and 30 different Bromiliads all variety’s. MAKE YOUR APPOINTMENT TODAY.

7. 2020-12-02
   soldstatus $182,000
8. 2020-10-12
   status Pending 1075-char remark

   Show marketing remark (1075 chars)

   A TRUE FLORIDIAN CHARMER!!! SEARCHING FOR A QUIET NEIGHBOORHOOD AND CLOSE TO SHOPPING, BALL GAMES , RESTARAUNTS WHERE ALL YOUR ENTERTAINING NEEDS ARE MET, THEN HERE IT IS. THIS IS A 3 BEDROOM 2 BATH POOL HOME, BLOCK CONSTRUCTED WITH ASTOUNDING LUSH GARDENS AND MANY VARIETIES OF FRUIT TREES LOCATED RIGHT IN THE HEART OF PORT CHARLOTTE. THE PROPERTY HAS THE REAL SPANISH DESIGN TILE THROUGHOUT THE HOME AND LANIA. A NEWER A/C SYSTEM AND ELECTRIC BOX WITH A RECENTLY UPDATED KITCHEN INCLUDING GRANITE COUNTERS AND REAL WOOD CABINETS. THE BATHROOMS HAVE BEEN TASTEFULLY DECORATED WITH ALL NEW TILE IN THE SHOWERS AND VANITIES. MATURE LANDCAPING ALL AROUND THE PROPERTY WITH PLENTY OF SHADE FOR THOSE HOT DAYS. IF YOU LOVE THE EXOTIC GARDENS THIS PROPERTY HAS ALL OF THE FOLLOWING 25 pineapples from different country’s, 2 morenga, 2 banana, 2 lemon 1 each, 2 Avocado's, 2 Barbados cherry bushes, Aloe Vera Miracle berry, Açaí berry, 2 orange, Grape vines, Basil, Oregano, Garlic and 30 different Bromiliads all variety’s. MAKE YOUR APPOINTMENT TODAY.

9. 2020-09-26
   price $189,000 1075-char remark

   Show marketing remark (1075 chars)

   A TRUE FLORIDIAN CHARMER!!! SEARCHING FOR A QUIET NEIGHBOORHOOD AND CLOSE TO SHOPPING, BALL GAMES , RESTARAUNTS WHERE ALL YOUR ENTERTAINING NEEDS ARE MET, THEN HERE IT IS. THIS IS A 3 BEDROOM 2 BATH POOL HOME, BLOCK CONSTRUCTED WITH ASTOUNDING LUSH GARDENS AND MANY VARIETIES OF FRUIT TREES LOCATED RIGHT IN THE HEART OF PORT CHARLOTTE. THE PROPERTY HAS THE REAL SPANISH DESIGN TILE THROUGHOUT THE HOME AND LANIA. A NEWER A/C SYSTEM AND ELECTRIC BOX WITH A RECENTLY UPDATED KITCHEN INCLUDING GRANITE COUNTERS AND REAL WOOD CABINETS. THE BATHROOMS HAVE BEEN TASTEFULLY DECORATED WITH ALL NEW TILE IN THE SHOWERS AND VANITIES. MATURE LANDCAPING ALL AROUND THE PROPERTY WITH PLENTY OF SHADE FOR THOSE HOT DAYS. IF YOU LOVE THE EXOTIC GARDENS THIS PROPERTY HAS ALL OF THE FOLLOWING 25 pineapples from different country’s, 2 morenga, 2 banana, 2 lemon 1 each, 2 Avocado's, 2 Barbados cherry bushes, Aloe Vera Miracle berry, Açaí berry, 2 orange, Grape vines, Basil, Oregano, Garlic and 30 different Bromiliads all variety’s. MAKE YOUR APPOINTMENT TODAY.

10. 2020-09-11
    listed $194,900 Active 1075-char remark

    Show marketing remark (1075 chars)

    A TRUE FLORIDIAN CHARMER!!! SEARCHING FOR A QUIET NEIGHBOORHOOD AND CLOSE TO SHOPPING, BALL GAMES , RESTARAUNTS WHERE ALL YOUR ENTERTAINING NEEDS ARE MET, THEN HERE IT IS. THIS IS A 3 BEDROOM 2 BATH POOL HOME, BLOCK CONSTRUCTED WITH ASTOUNDING LUSH GARDENS AND MANY VARIETIES OF FRUIT TREES LOCATED RIGHT IN THE HEART OF PORT CHARLOTTE. THE PROPERTY HAS THE REAL SPANISH DESIGN TILE THROUGHOUT THE HOME AND LANIA. A NEWER A/C SYSTEM AND ELECTRIC BOX WITH A RECENTLY UPDATED KITCHEN INCLUDING GRANITE COUNTERS AND REAL WOOD CABINETS. THE BATHROOMS HAVE BEEN TASTEFULLY DECORATED WITH ALL NEW TILE IN THE SHOWERS AND VANITIES. MATURE LANDCAPING ALL AROUND THE PROPERTY WITH PLENTY OF SHADE FOR THOSE HOT DAYS. IF YOU LOVE THE EXOTIC GARDENS THIS PROPERTY HAS ALL OF THE FOLLOWING 25 pineapples from different country’s, 2 morenga, 2 banana, 2 lemon 1 each, 2 Avocado's, 2 Barbados cherry bushes, Aloe Vera Miracle berry, Açaí berry, 2 orange, Grape vines, Basil, Oregano, Garlic and 30 different Bromiliads all variety’s. MAKE YOUR APPOINTMENT TODAY.

11. 2010-07-07
    historical
12. 2010-02-18
    listed $70,000
13. 2009-12-01
    soldstatus $47,000
14. 2009-11-30
    soldstatus $47,000
15. 2009-09-16
    listed $59,900
16. 2006-05-05
    soldstatus $125,000

ⓘ 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: $2,048 · $171/mo
• Projected year-2 tax: $2,048 · $171/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 8/10 Severe FEMA zone X (shaded) · 96% chance over 30 yrs
• 🔥 Wildfire 1/10 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 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,392
• − Mortgage interest: −$9,523
• − Property taxes: −$2,048
• − Insurance: −$1,648
• − Repairs & maintenance: −$1,631
• − Management: −$1,631
• − Depreciation: −$4,945
• Taxable loss: −$1,034
• Est. tax savings @ 24.0%: +$248
• After-tax cash flow: $1,965/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

+36.0% since first listed

16 events — show timeline

• 2026-05-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-16 Price Changed $170,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-02 Listed $180,000 Stellar MLS as Distributed by MLS Grid
• 2020-12-07 Sold (MLS) $182,000 Stellar MLS as Distributed by MLS Grid
• 2020-12-02 Sold (Public Records) $182,000 Public Records
• 2020-10-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-09-26 Price Changed $189,000 Stellar MLS as Distributed by MLS Grid
• 2020-09-11 Listed $194,900 Stellar MLS as Distributed by MLS Grid
• 2010-07-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-02-18 Listed $70,000 Stellar MLS as Distributed by MLS Grid
• 2009-12-01 Sold (Public Records) $47,000 Public Records
• 2009-11-30 Sold (MLS) $47,000 Stellar MLS as Distributed by MLS Grid
• 2009-09-16 Listed $59,900 Stellar MLS as Distributed by MLS Grid
• 2006-05-05 Sold (Public Records) $125,000 Public Records

Property tax history

+4.5%/yr

Latest (2025): $2,048 · +2.2% YoY. Source: county tax records.