907 Pine St · Immokalee, FL 34142

$320,000

4 bd · 2.0 ba · 1,232 sqft · SingleFamily public records · 13 Days on market

Built 1977 0.41 ac lot

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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 +17.1/30.0
• ARV discount +7.5/15.0
• DSCR +5.3/10.0
• Schools +5.0/10.0
• Appreciation +4.5/10.0
• Livability +4.0/5.0
• 1% rule +3.7/10.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0

Listing remarks

INVESTOR SPECIAL! CASH ONLY! Opportunity knocks in one of Immokalee’s most desirable locations! This 4 bedroom, 2 bathroom home sits on an oversized 0.41-acre lot just off Lake Trafford Road (SR-89), steps away from the soon-to-open Aldi — making this an incredibly strategic acquisition for the savvy investor. At 1,232 square feet with a fully fenced, expansive backyard, the lot alone makes this property worth a serious look. The home is being sold strictly as-is and will require a full rehabilitation. The master bathroom renovation was started but left incomplete, and bat remediation has been professionally completed, though residual cleanup remains. It is STRONGLY ADVISED

Key facts

• Existing septic tank
• Oversized lot
• Roof replaced

Tags

• OVERSIZED LOT
• FULLY FENCED BACKYARD
• MASTER BATHROOM RENOVATION
• EXISTING SEPTIC TANK
• CONNECTED TO CITY WATER
• ROOF REPLACED

Property features AI

Finance

• Other: Property type: Residential, single-family; Zoned RSF-3; Lot about 0.41 acres (approx. 85 x 210); No CDD; Unfurnished
• Financial info: No additional financial details provided
• HOA & community: No HOA (association not indicated)

Exterior

• Parking: No parking details provided
• Security: No security features listed
• Utilities: Public water available; Public sewer and septic tank; Electricity available; Propane available
• Home design: Single-family residence; One story; Faces east; Entry level: One
• Construction: Block construction; Shingle roof; Slab foundation; Built area about 1,232–1,250 square feet
• Exterior features: Chain link fencing; Asphalt road access

Interior

• Kitchen: No appliances listed
• Bedrooms: 4 bedrooms
• Flooring: Tile flooring; Vinyl flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: No heating; No cooling
• Interior features: No specific interior features listed
• Laundry & utility: Washer and dryer hookups inside (electric dryer hookup); Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $320k.

Deal economics

• At list price, monthly cash flow is $73 ($870/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 $279k (12.8% below list).
• Recommended offer: $279k (12.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 80/100 on livability (#132 in FL, #1,967 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D+, schools D-, 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 (+3.0%/yr); 451 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $2,791/mo this rent would consume 54% of the median local household income ($62k/yr) (locally 1093% 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 (-1.1%/yr); year-one equity from $2k of loan paydown is wiped out by about $3k 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.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: flood insurance adds $152/mo.
• Climate carrying-cost: in FEMA flood zone AH (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $279,124 (12.8% below list)

Questions for the listing agent

1. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. 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.
7. 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.
8. 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: 0.87% ✗
• Cap rate: 7.14%
• Cash-on-cash: 3.01%
• DSCR: 1.13
• GRM: 9.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.05% appreciation · 2.95% rent growth · sell at horizon

5-year hold

• IRR: -5.2%
• Equity multiple: 0.77×
• Total profit: $-20,319
• Equity at exit: $76,504

10-year hold

• IRR: 1.6%
• Equity multiple: 1.15×
• Total profit: $13,002
• Equity at exit: $79,706

Cash invested: $89,600 (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 34142

• Home prices YoY: -0.5%
• Rents YoY: 3.0%
• Active inventory: 451
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $2,791 medium
• Mortgage (P&I): −$1,678
• Tax from tax record: −$169 /mo · $2,029/yr
• Insurance: −$133
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$586
• Net cashflow: $73

Break-even live

Break-even rent $2,699

Max offer price $320,000

Occupancy floor 92%

Sensitivity live

Price	-10% $254	-5% $163	+0% $73	+5% $-18	+10% $-109
Rent	-10% $-148	-5% $-38	+0% $73	+5% $183	+10% $293
Rate	-1.0pp $234	-0.5pp $154	base $73	+0.5pp $-10	+1.0pp $-95

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: $80,000
• Closing costs: $9,600
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
715 Crestview Dr Immokalee, FL	2.0–3.0	2.0	982	$1,585	$1.61	15d	10	0.87mi

Listing history 9 events

1. 2026-06-21
   days on market $320,000 Active 13 DOM
2. 2026-06-18
   days on market $320,000 Active 10 DOM
3. 2026-06-17
   days on market $320,000 Active 9 DOM
4. 2026-06-16
   days on market $320,000 Active 8 DOM
5. 2026-06-15
   days on market $320,000 Active 7 DOM
6. 2026-06-14
   days on market $320,000 Active 5 DOM
7. 2026-06-10
   days on market $320,000 Active 2 DOM
8. 2026-06-09
   remarks 687-char remark
9. 2026-06-09
   listed $320,000 Active 1 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: $2,029 · $169/mo
• Projected year-2 tax: $2,656 · $221/mo
• Expected delta: +$627/yr (+$52/mo · 30.9%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone AH · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥110°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,495
• − Mortgage interest: −$17,925
• − Property taxes: −$2,029
• − Insurance: −$3,424
• − Repairs & maintenance: −$2,680
• − Management: −$2,680
• − Depreciation: −$9,309
• Taxable loss: −$4,552
• Est. tax savings @ 24.0%: +$1,092
• After-tax cash flow: $1,963/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 — Immokalee

• Score: 80/100
• State rank: #132
• US rank: #1967

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Immokalee, FL
• County: Collier County · 396,295 people
• City population: 35,149
• Metro: Naples-Marco Island, FL
• Population (ZIP): 35,149
• Household income: $62,333
• Rent vs Own: 48.7% rent · 51.3% own
• Severe rent burden: 1093.0

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: Majority Hispanic (63%)
• Race & ethnicity: Hispanic / Latino 63% Two or more races 39% Black 19% White 16% Native American 7%
• Hispanic origin (detail): Mexican 43% Puerto Rican 3% Cuban 2% Dominican 1%
• Common ancestry: Hispanic 8% Slovak 1% Serbian 1%
• Foreign-born: 32% · Canada, Jamaica
• Languages at home: 34% English-only · Spanish 53% French/Haitian/Cajun 12%

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: ▼ -1.05%
• Current HPI: 226.9105
• Rent YoY: ▲ 2.95%
• 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

1 event — show timeline

• 2026-06-08 Listed $320,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+16.3%/yr

Latest (2025): $2,029 · +16.9% YoY. Source: county tax records.