781 107th Ave · Naples Park, FL 34108

$565,000

3 bd · 2.0 ba · 1,542 sqft · SingleFamily public records · 16 Days on market

Built 1986

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.6/10.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• Rent growth +4.7/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

One of Naples saw after Community is Naples Park. Enjoy this gorgeous three bedroom two bathroom brand new towel throughout two renovated bathroom bathrooms for your families enjoyment this house will not last the Lott value alone is worth more than the less price.

Key facts

• 2 garage spots
• Built 1986
• Listed 16 days

Property features AI

Finance

• Other: Single-unit property (1 unit/floor, 1 unit in building, 1 unit in complex); 1 total floor; Possession at closing
• HOA & community: Non-gated community; No HOA maintenance; No HOA amenities

Exterior

• Parking: Attached garage; 2 garage spaces; 2+ parking spaces
• Utilities: Central water; Central sewer; Cable available
• Home design: Residential single-family home; 1 story (ranch); Built in 1986; Located in Naples Park development
• Construction: Wood frame construction
• Exterior features: Shingle roof; Awning windows; Wood siding exterior; Storm protection described in remarks; Regular lot; Central irrigation; Rear exposure facing north

Interior

• Kitchen: Cooktop; Microwave; Refrigerator; Disposal; Pantry
• Bedrooms: 3 bedrooms; Split bedroom floor plan
• Flooring: Tile
• Bathrooms: 2 full bathrooms; Master bathroom with shower only
• Heating & cooling: Central electric heat; Central electric air conditioning; Ceiling fans
• Interior features: Window coverings; Pantry; Dining area combined with living; Screened lanai/porch; Screened porch (guest house description); Auto garage door; Cooktop; Disposal; Microwave; Refrigerator; Smoke detector; Washer; Unfurnished
• Laundry & utility: Washer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $565k.

Deal economics

• At list price, monthly cash flow is $3k ($31k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($8k rent vs $565k).
• Recommended offer: $557k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#696 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A-, employment B+; Watch: health & safety D, schools F, amenities F.
• Collier (suburban): math 60% / reading 56% proficiency, ranked #16 of 73 in FL (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising fast (+8.7%/yr); 679 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $7,682/mo this rent would consume 77% of the median local household income ($119k/yr) (locally 237% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $4k of loan paydown is wiped out by about $17k of value loss. Plan a longer hold.
• Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $158k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($557k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 16y 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 $135k; list at $565k implies a 319% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• 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 $556,525 (1.5% below list)

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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.
5. 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.
6. 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: 1.36% ✓
• Cap rate: 11.87%
• Cash-on-cash: 19.92%
• DSCR: 1.89
• GRM: 6.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 16.6%
• Equity multiple: 1.71×
• Total profit: $111,917
• Equity at exit: $84,243

10-year hold

• IRR: 28.4%
• Equity multiple: 4.11×
• Total profit: $491,601
• Equity at exit: $48,851

Cash invested: $158,200 (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 34108

• Rents YoY: 8.7%
• Active inventory: 679
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $7,682 high
• Mortgage (P&I): −$2,963
• Tax from tax record: −$245 /mo · $2,934/yr
• Insurance: −$235
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,613
• Net cashflow: $2,559

Break-even live

Break-even rent $4,442

Max offer price $565,000

Occupancy floor 62%

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: $141,250
• Closing costs: $16,950
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
792 108th Ave N Naples, FL	3.0	2.0	1446	$8,500	$5.88	23d	1	0.04mi
754 107th Ave N Naples, FL	3.0	2.5	1994	$5,790	$2.90	23d	1	0.08mi
760 106th Ave N Naples, FL	3.0	2.0	1968	$12,000	$6.10	23d	1	0.11mi
724 108th Ave N Unit 1073495P Naples, FL	3.0	2.0	1151	$4,915	$4.27	14d	1	0.15mi
749 105th Ave N Naples, FL	3.0	2.0	1394	$4,000	$2.87	23d	1	0.15mi
838 109th Ave N Naples, FL	3.0	2.0	1168	$5,299	$4.54	23d	1	0.16mi
851 108th Ave N Unit 1504157P Naples, FL	3.0	3.0	2185	$7,796	$3.57	23d	1	0.17mi
712 108th Ave N Naples, FL	3.0	3.0	1997	$12,500	$6.26	23d	1	0.18mi
744 110th Ave N Naples, FL	3.0	2.0	1596	$4,500	$2.82	23d	1	0.18mi
822 105th Ave N Naples, FL	4.0	3.0	2200	$19,000	$8.64	23d	1	0.19mi
828 110th Ave N Unit 1504175P Naples, FL	4.0	4.0	2152	$11,370	$5.28	21d	1	0.19mi
731 104th Ave N Naples, FL	2.0	2.0	1388	$12,000	$8.65	23d	1	0.23mi
698 107th Ave N Naples, FL	4.0	3.0	1487	$3,800	$2.56	23d	1	0.23mi
714 105th Ave N Naples, FL	3.0	2.0	1491	$4,150	$2.78	23d	1	0.23mi
692 106th Ave N Unit 1387168P Naples, FL	3.0	3.0	1356	$6,573	$4.85	14d	1	0.25mi
685 107th Ave N Unit 1504184P Naples, FL	4.0	3.0	2238	$8,819	$3.94	21d	1	0.26mi
707 104th Ave N Naples, FL	3.0	2.0	1745	$14,500	$8.31	23d	1	0.26mi
693 105th Ave N Naples, FL	4.0	3.0	2014	$10,500	$5.21	23d	1	0.26mi
673 107th Ave N Naples, FL	3.0	2.0	1428	$3,850	$2.70	23d	1	0.29mi
856 104th Ave N Naples, FL	3.0	2.0	1398	$3,750	$2.68	23d	1	0.29mi
706 111th Ave N Naples, FL	2.0	2.0	1080	$1,850	$1.71	23d	1	0.29mi
669 107th Ave N Unit 1504183P Naples, FL	3.0	2.0	1614	$3,571	$2.21	23d	1	0.30mi
663 106th Ave N Unit 1504161P Naples, FL	3.0	2.0	1539	$7,887	$5.12	14d	1	0.32mi
715 102nd Ave N Unit 1504167P Naples, FL	3.0	3.0	1991	$7,661	$3.85	14d	1	0.35mi
663 110th Ave N Naples, FL	4.0	3.0	1936	$8,500	$4.39	23d	1	0.37mi
757 101st Ave N Naples, FL	3.0	2.0	1366	$3,900	$2.86	23d	1	0.38mi
691 102nd Ave N Naples, FL	3.0	2.0	1311	$7,000	$5.34	23d	1	0.39mi
625 107th Ave N Unit 1534807P Naples, FL	4.0	2.5	2012	$8,779	$4.36	23d	1	0.40mi
630 105th Ave N Naples, FL	4.0	2.0	2119	$3,950	$1.86	23d	1	0.42mi
10022 8th St N Unit 22 Naples, FL	2.0	2.0	1250	$2,250	$1.80	23d	1	0.43mi
645 103rd Ave N Unit 1534775P Naples, FL	4.0	2.0	1840	$8,513	$4.63	21d	1	0.43mi
612 106th Ave N Unit 1073496P Naples, FL	3.0	2.0	1550	$6,772	$4.37	14d	1	0.44mi
10022 8th St N Unit B Naples, FL	2.0	2.0	1249	$2,225	$1.78	14d	1	0.44mi
637 103rd Ave N Naples, FL	3.0	2.0	1669	$3,100	$1.86	23d	1	0.44mi
772 100th Ave N Naples, FL	3.0	2.0	1712	$3,200	$1.87	23d	1	0.47mi
593 106th Ave N Naples, FL	3.0	2.0	1800	$9,000	$5.00	23d	1	0.48mi
670 101st Ave N Naples, FL	4.0	3.0	2208	$15,000	$6.79	23d	1	0.49mi
610 111th Ave N Unit 1534774P Naples, FL	4.0	2.5	1905	$6,664	$3.50	14d	1	0.49mi
801 99th Ave N Naples, FL	2.0	2.0	1781	$3,500	$1.97	23d	1	0.50mi
602 111th Ave N Naples, FL	2.0	2.0	1104	$4,000	$3.62	23d	1	0.51mi

Listing history 5 events

1. 2026-05-20
   status Pending
2. 2026-05-04
   listed $565,000 Active
3. 2011-07-12
   soldstatus $135,000
4. 2010-06-18
   listed $149,900
5. 1995-05-02
   soldstatus $93,000

ⓘ 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: $2,934 · $245/mo
• Projected year-2 tax: $4,690 · $391/mo
• Expected delta: +$1,755/yr (+$146/mo · 59.8%)

ⓘ 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) · 92% 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 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $92,181
• − Mortgage interest: −$31,649
• − Property taxes: −$2,934
• − Insurance: −$3,622
• − Repairs & maintenance: −$7,374
• − Management: −$7,374
• − Depreciation: −$16,436
• Taxable income: $22,790
• Est. tax owed @ 24.0%: −$5,470
• After-tax cash flow: $25,242/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Collier
• NCES district ID: 1200330
• Math proficiency: 60% ▼ -4.00%
• Reading proficiency: 56% ▼ -2.00%
• Median HH income: $58,275
• Composite: 50.23/100
• National rank: #1892
• State rank: #16 of 73 in FL

Livability — Naples Park

• Score: 64/100
• State rank: #696
• US rank: #14564

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Naples Park, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 16,237
• Household income: $119,212
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 237.0

Population outlook (Collier County) Hauer SSP2

• Today (2025): 420,858 people
• By 2030: 450,054 · +6.9%
• By 2040: 502,232 · +19.3%
• By 2050: 544,932 · +29.5%
• By 2075: 627,203 · +49.0%
• By 2100: 659,015 · +56.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Hispanic / Latino 8% Two or more races 7% Asian 1% Black 1%
• Hispanic origin (detail): Mexican 2% Cuban 3%
• Common ancestry: Romanian 5% Lithuanian 3% Slovak 3%
• Foreign-born: 16% · Canada, Dominican Republic, South Korea
• Languages at home: 86% English-only · Spanish 6% Russian/Polish/Slavic 2% Other Indo-European 2%

Political lean MEDSL · Collier

• 2024 margin: Solid R (+33.1) · D 33.1% · R 66.2%
• 2008→2024 swing: -10.6pp toward R · 2008: -22.5pp · 2024: -33.1pp
• All cycles: 2024: R+33.1 2020: R+24.7 2016: R+26.0 2012: R+30.1 2008: R+22.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -587.97%
• Current HPI: 275.1872
• Rent YoY: ▲ 8.74%
• Metro: Naples-Marco Island, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+507.5% since first listed

5 events — show timeline

• 2026-05-20 Pending — NAPLESMLS
• 2026-05-04 Listed $565,000 NAPLESMLS
• 2011-07-12 Sold (Public Records) $135,000 Public Records
• 2010-06-18 Listed $149,900 NAPLESMLS
• 1995-05-02 Sold (Public Records) $93,000 Public Records