🌊 Lakefront
17094 Acapulco Rd #321 · Punta Gorda, FL
Flood risk 8/10 · Major
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 29 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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 +19.7/30.0
- ARV discount +15.0/15.0
- 1% rule +9.0/10.0
- DSCR +6.2/10.0
- Schools +5.5/10.0
- Condition / age +4.0/5.0
- Livability +3.8/5.0
- Rent growth +2.5/5.0
- Appreciation +0.0/10.0
$235,000
17094 Acapulco Rd #321 · Punta Gorda, FL 33955
3 bd · 2.0 ba · 1,644 sqft · Condo
public records
· 258 Days on market
Built 2008
Garage
$143/sqft
· 33% below area
Est $350k · 33% under · waterfront
$726/mo HOA · 22% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
This striking tropical oasis drenched with Florida sunshine will be a great place to call home! This second level condo has been beautifully refreshed with impressive finishes that are visually pleasing while providing comfort and convenience, including a BRAND NEW CHAMPION 2 ZONE A/C SYSTEM WITH A 10-YEAR TRANSFERRABLE PARTS & LABOR WARRANTY. Nestled close to the western edge of this deed restricted community, you will enjoy peace and tranquility while taking in sights of Florida wildlife in your own backyard.
Key facts
- Impact glass windows
- Primary suite
- Screened lanai
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath condo listed at $235k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-153 ($-2k/yr) — negative.
- To cash-flow at today's rent, offer at most $208k (11.5% below list).
- Meets the 1% rule at list price ($3k rent vs $235k).
- Recommended offer: $207k (12.0% below list) — sets the bar for market timing.
- Cap rate 7.7% vs local median 3.4% in Punta Gorda — 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 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: 2074 active listings in the ZIP; 38 comparable units currently listed for rent nearby; rentals lingering (median 51d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
- At $3,296/mo this rent would consume 51% of the median local household income ($77k/yr) — 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 $2k of loan paydown is wiped out by about $7k 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 258 days — a 12% lower offer ($207k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts since 12y ago; this cycle's ask has dropped $30k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo; HOA is 22% of rent.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$206,800
(12.0% below list)
Questions for the listing agent
- 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?
- It's been on market 258 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
- What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
- Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.40% ✓
- Cap rate
- 7.69%
- Cash-on-cash
- 4.99%
- DSCR
- 1.22
- GRM
- 5.9
CMA / ARV
- ARV (median comp)
- $350,428
- List price
- $235,000
- Delta
- -32.94%
- Verdict
- UNDERPRICED
- Comps
- 16 within 1.0 mi
Projected returns pro-forma
-3.0% appreciation · 3.0% rent growth · sell at horizon
5-year hold
- IRR
- -20.5%
- Equity multiple
- 0.28×
- Total profit
- $-47,062
- Equity at exit
- $35,039
10-year hold
- IRR
- -12.9%
- Equity multiple
- 0.23×
- Total profit
- $-50,477
- Equity at exit
- $20,319
Cash invested: $65,800 (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.
ZIP-level market 33955
- Home prices YoY
- -24.5%
- Active inventory
- 2074
- Price-to-rent
- 5.9×
Monthly cashflow live
↻
- Estimated rent
- $3,296 high interval (Pro) →
- Mortgage (P&I)
- −$1,232
- Tax from tax record
- −$273 /mo · $3,280/yr
- Insurance
- −$98
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$726
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$692
- Net cashflow
- $-153
Break-even live
Break-even rent
$3,489
Max offer price
$208,020
Occupancy floor
100%
Sensitivity live
| Price | -10% $-20 | -5% $-86 | +0% $-153 | +5% $-219 | +10% $-286 |
|---|---|---|---|---|---|
| Rent | -10% $-413 | -5% $-283 | +0% $-153 | +5% $-23 | +10% $108 |
| Rate | -1.0pp $-34 | -0.5pp $-93 | base $-153 | +0.5pp $-214 | +1.0pp $-276 |
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
- $58,750
- Closing costs
- $7,050
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 38 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 17084 Acapulco Rd #223 Punta Gorda, FL | 3.0 | 2.0 | 1644 | $3,400 | $2.07 | 51d | 1 | 0.01mi |
| 17030 Espana Cir Punta Gorda, FL | 4.0 | 3.0 | 2092 | $2,500 | $1.20 | 10d | 1 | 0.09mi |
| 24097 Peppercorn Rd Punta Gorda, FL | 3.0 | 2.0 | 1973 | $2,695 | $1.37 | 10d | 1 | 0.34mi |
| 17314 Cape Horn Blvd Punta Gorda, FL | 3.0 | 2.0 | 2216 | $2,800 | $1.26 | 154d | 1 | 0.63mi |
| 24504 Peppercorn Rd Punta Gorda, FL | 4.0 | 3.0 | 2092 | $2,300 | $1.10 | 51d | 1 | 0.87mi |
| 24504 Peppercorn Rd Punta Gorda, FL | 4.0 | 3.0 | 2092 | $2,300 | $1.10 | 26d | 1 | 0.87mi |
| 17434 Oro Ct Punta Gorda, FL | 3.0 | 2.5 | 1864 | $2,000 | $1.07 | 162d | 1 | 0.88mi |
| 16229 Cape Horn Blvd Punta Gorda, FL | 3.0 | 2.0 | 1726 | $2,749 | $1.59 | 162d | 1 | 1.08mi |
| 16229 Cape Horn Blvd Punta Gorda, FL | 3.0 | 2.0 | 1726 | $2,700 | $1.56 | 2d | 1 | 1.08mi |
| 17849 Hibiscus Cove Ct #1 Punta Gorda, FL | 3.0 | 2.0 | 1937 | $6,250 | $3.23 | 10d | 1 | 1.12mi |
| 24417 Baltic Ave #1102 Punta Gorda, FL | 2.0 | 2.0 | 1788 | $5,250 | $2.94 | 10d | 1 | 1.15mi |
| 2042 Matecumbe Key Rd Punta Gorda, FL | 2.0 | 2.5 | 2061 | $6,000 | $2.91 | 10d | 1 | 1.16mi |
| 5050 Marianne Key Rd Unit 1B Punta Gorda, FL | 2.0 | 2.0 | 1347 | $4,500 | $3.34 | 10d | 1 | 1.27mi |
| 3255 Sugarloaf Key Rd Unit 31B Punta Gorda, FL | 2.0 | 2.0 | 1516 | $3,000 | $1.98 | 157d | 1 | 1.27mi |
| 2060 Matecumbe Key Rd #2301 Punta Gorda, FL | 3.0 | 2.0 | 1402 | $5,400 | $3.85 | 55d | 1 | 1.27mi |
| 2060 Matecumbe Key Rd Punta Gorda, FL | 2.0–3.0 | 2.0 | 1271 | $5,400 | $4.25 | 164d | 3 | 1.27mi |
| 2060 Matecumbe Key Rd Punta Gorda, FL | 2.0–3.0 | 2.0 | 1271 | $5,400 | $4.25 | 130d | 2 | 1.27mi |
| 4005 Big Pass Ln Punta Gorda, FL | 2.0 | 2.0 | 1423 | $5,500 | $3.87 | 157d | 1 | 1.28mi |
| 2090 Matecumbe Key Rd #1705 Punta Gorda, FL | 2.0 | 2.0 | 1155 | $5,200 | $4.50 | 10d | 1 | 1.30mi |
| 3333 Sunset Key Cir #103 Punta Gorda, FL | 3.0 | 2.0 | 1825 | $6,000 | $3.29 | 6d | 1 | 1.31mi |
| 3020 Matecumbe Key Rd #103 Punta Gorda, FL | 2.0 | 2.0 | 1148 | $5,200 | $4.53 | 10d | 1 | 1.37mi |
| 16147 Badalona Dr Punta Gorda, FL | 3.0 | 2.0 | 1508 | $1,795 | $1.19 | 19d | 1 | 1.37mi |
| 16147 Badalona Dr Punta Gorda, FL | 3.0 | 2.0 | 1508 | $1,795 | $1.19 | 49d | 1 | 1.37mi |
| 25110 Alcazar Dr Punta Gorda, FL | 4.0 | 3.0 | 2020 | $1,995 | $0.99 | 51d | 1 | 1.41mi |
| 1610 Islamorada Blvd Unit 64A Punta Gorda, FL | 2.0 | 2.0 | 1516 | $2,000 | $1.32 | 10d | 1 | 1.41mi |
| 3471 Sunset Key Cir #102 Punta Gorda, FL | 3.0 | 2.0 | 1991 | $5,750 | $2.89 | 164d | 1 | 1.42mi |
| 16107 Badalona Dr Punta Gorda, FL | 3.0 | 2.0 | 1508 | $1,895 | $1.26 | 162d | 1 | 1.42mi |
| 3321 Sunset Key Cir #102 Punta Gorda, FL | 3.0 | 2.0 | 1684 | $6,000 | $3.56 | 10d | 1 | 1.43mi |
| 16265 Alcira Cir Punta Gorda, FL | 4.0 | 3.0 | 2032 | $2,300 | $1.13 | 47d | 1 | 1.45mi |
| 16077 Badalona Dr Punta Gorda, FL | 3.0 | 2.0 | 1508 | $1,895 | $1.26 | 162d | 1 | 1.46mi |
| 1001 Islamorada Blvd Unit 12A Punta Gorda, FL | 2.0 | 2.0 | 1365 | $1,600 | $1.17 | 157d | 1 | 1.48mi |
| 801 Islamorada Blvd Unit 26C Punta Gorda, FL | 2.0 | 2.0 | 1365 | $4,200 | $3.08 | 55d | 1 | 1.49mi |
| 1590 Islamorada Blvd Punta Gorda, FL | 2.0 | 2.0 | 1516 | $2,000 | $1.32 | 10d | 1 | 1.49mi |
| 3313 Sunset Key Cir #403 Punta Gorda, FL | 3.0 | 2.0 | 1684 | $6,500 | $3.86 | 55d | 1 | 1.49mi |
| 3313 Sunset Key Cir Punta Gorda, FL | 3.0 | 2.0–3.0 | 2017 | $6,500 | $3.22 | 5d | 3 | 1.50mi |
| 3313 Sunset Key Cir Unit Reservation spot 1 Punta Gorda, FL | 2.0 | 2.0 | 2099 | $2,750 | $1.31 | 164d | 1 | 1.50mi |
| 3313 Sunset Key Cir Punta Gorda, FL | 3.0 | 2.0–3.0 | 2089 | $5,500 | $2.63 | 119d | 5 | 1.50mi |
| 3313 Sunset Key Cir Punta Gorda, FL | 3.0 | 2.0–3.0 | 2017 | $6,500 | $3.22 | 10d | 4 | 1.50mi |
Property features AI
Finance
- Other
- Homestead status indicated
- Financial info
- Total annual fees: $8,712Lease restrictions apply
- HOA & community
- Association: Star Hospitality Management/Jordan (association approval required)Monthly condo fee: $726 (includes pool, escrow reserves, insurance, structure & grounds maintenance, management, pest control, sewer, water)Association amenities: Pool, park, playground, maintenanceCommunity features: Buyer approval required, deed restrictions, irrigation (reclaimed water), special community restrictionsPets allowed with limits (max approx. 35 lbs)
Exterior
- Parking
- Deeded parkingAttached garage (1 car) with garage door openerGuest and open parking availableGround level access
- Security
- Association-managed community (association approval required)
- Utilities
- Public waterPublic sewerElectricity connectedCable connectedBB/HS Internet available
- Home design
- Residential condominium2 total storiesUnit on 2nd floorWest-facing
- Construction
- Block and stucco constructionTile roofSlab foundationBuilding identified as BLDG 3Completed property
- Exterior features
- Rear screened porchSliding doorsSidewalksLandscaped with treesLevel lotNear golf course and marinaPaved public road access
Interior
- Kitchen
- DishwasherDisposalMicrowaveRangeRefrigeratorSolid surface and stone counters
- Bedrooms
- 3 bedrooms
- Flooring
- CarpetCeramic tileHardwood
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heating (electric)Central air conditioning
- Interior features
- Ceiling fansHigh ceilingsOpen floorplan with living room/dining room comboSplit bedroom layoutSolid surface and stone countersWalk-in closet(s)Window treatments (including shutters)
- Laundry & utility
- Inside laundry roomWasher and dryer includedInside utility room
HOA detail $726/mo · $8,712/yr condo
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-11-08days on market $235,000 Active 258 DOM
-
2026-11-07days on market $235,000 Active 257 DOM
-
2026-11-06days on market $235,000 Active 256 DOM
-
2026-11-05days on market $235,000 Active 255 DOM
-
2026-11-04days on market $235,000 Active 254 DOM
-
2026-11-02days on market $235,000 Active 252 DOM
-
2026-11-01days on market $235,000 Active 251 DOM
-
2026-10-31days on market $235,000 Active 250 DOM
-
2026-10-29days on market $235,000 Active 248 DOM
-
2026-10-28days on market $235,000 Active 247 DOM
-
2026-10-27days on market $235,000 Active 246 DOM
-
2026-10-26days on market $235,000 Active 245 DOM
-
2026-10-25days on market $235,000 Active 244 DOM
-
2026-10-24days on market $235,000 Active 243 DOM
-
2026-10-23days on market $235,000 Active 242 DOM
-
2026-10-22days on market $235,000 Active 241 DOM
-
2026-10-21days on market $235,000 Active 240 DOM
-
2026-10-20days on market $235,000 Active 239 DOM
-
2026-10-19days on market $235,000 Active 238 DOM
-
2026-10-18days on market $235,000 Active 237 DOM
-
2026-10-17days on market $235,000 Active 236 DOM
-
2026-10-16days on market $235,000 Active 235 DOM
-
2026-10-15days on market $235,000 Active 234 DOM
-
2026-10-14days on market $235,000 Active 233 DOM
-
2026-10-13days on market $235,000 Active 232 DOM
-
2026-10-12days on market $235,000 Active 231 DOM
-
2026-10-11days on market $235,000 Active 230 DOM
-
2026-10-10days on market $235,000 Active 229 DOM
-
2026-10-09days on market $235,000 Active 228 DOM
-
2026-10-08pricedays on market $235,000 Active 227 DOM
-
2026-10-07days on market $249,000 Active 226 DOM
-
2026-10-06days on market $249,000 Active 225 DOM
-
2026-10-05days on market $249,000 Active 224 DOM
-
2026-10-04days on market $249,000 Active 223 DOM
-
2026-10-03days on market $249,000 Active 222 DOM
-
2026-10-02days on market $249,000 Active 221 DOM
-
2026-10-01days on market $249,000 Active 220 DOM
-
2026-09-30days on market $249,000 Active 219 DOM
-
2026-09-29days on market $249,000 Active 218 DOM
-
2026-09-28days on market $249,000 Active 217 DOM
-
2026-09-27days on market $249,000 Active 216 DOM
-
2026-09-26days on market $249,000 Active 215 DOM
-
2026-09-25days on market $249,000 Active 214 DOM
-
2026-09-24days on market $249,000 Active 213 DOM
-
2026-09-24days on market $249,000 Active 212 DOM
-
2026-09-22days on market $249,000 Active 211 DOM
-
2026-09-21days on market $249,000 Active 210 DOM
-
2026-09-20days on market $249,000 Active 209 DOM
-
2026-09-19days on market $249,000 Active 208 DOM
-
2026-09-17days on market $249,000 Active 206 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
- $3,280 · $273/mo
- Projected year-2 tax
- $3,280 · $273/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 AE · 99% chance over 30 yrs
- Wildfire 5/10 Major
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $39,546
- − Mortgage interest
- −$13,164
- − Property taxes
- −$3,280
- − Insurance
- −$6,294
- − Repairs & maintenance
- −$3,164
- − Management
- −$3,164
- − HOA
- −$8,712
- − Depreciation
- −$6,836
- Taxable loss
- −$5,067
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$1,216
- After-tax cash flow
- $-617/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 · 9 photos
80/100
Cosmetic rehab
Est. rehab $8,220–$24,660 screening
This well-maintained townhouse is ready for move-in with a fresh A/C system and a beautiful landscape. It offers a good return on investment for both resale and rental.
Components & finishes AI
Roof asphalt shingle · good
Value-add opportunities
- Both New A/C system — Improves comfort and energy efficiency ↑
- Both Landscaping enhancements — Enhances curb appeal and property value ↑
- Both Paint touch-ups — Maintains curb appeal and enhances property 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)
- 12,399
- Household income
- $76,943
- Rent vs Own
- Severe rent burden
- 11% of renters
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 (84%)
- Race & ethnicity
- White 84% Hispanic / Latino 10% Two or more races 9% Black 2%
- Hispanic origin (detail)
- Mexican 4% Puerto Rican 2% Cuban 4%
- Languages at home
- 91% English-only · Spanish 5% Other Indo-European 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
- ▼ -78.71%
- Current HPI
- 242.9043
- Rent YoY
- —
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+84.6% since first listed16 events — show timeline
- 2026-04-21 Price Changed $249,000 Stellar MLS as Distributed by MLS Grid
- 2026-02-23 Listed $265,000 Stellar MLS as Distributed by MLS Grid
- 2024-08-14 Listing Removed — FORTMLS
- 2024-04-10 Price Changed $329,000 FORTMLS
- 2024-04-08 Listed $329,000 Stellar MLS as Distributed by MLS Grid
- 2024-04-08 Listed $329,900 FORTMLS
- 2022-03-03 Sold (Public Records) $285,000 Public Records
- 2022-03-03 Sold (MLS) $285,000 Stellar MLS as Distributed by MLS Grid
- 2022-02-04 Pending — Stellar MLS as Distributed by MLS Grid
- 2022-01-31 Listed $285,000 Stellar MLS as Distributed by MLS Grid
- 2014-06-18 Sold (Public Records) $118,000 Public Records
- 2014-06-16 Sold (MLS) $118,000 Stellar MLS as Distributed by MLS Grid
- 2014-06-14 Pending — Stellar MLS as Distributed by MLS Grid
- 2014-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2014-04-26 Pending — Stellar MLS as Distributed by MLS Grid
- 2014-03-04 Listed $134,900 Stellar MLS as Distributed by MLS Grid
Property tax history
+7.8%/yrLatest (2025): $3,280 · -16.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…