628 Tarpon Way · Charlotte Park, FL
Flood risk 10/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 1/10 · Minimal
- 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 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 +18.1/30.0
- ARV discount +10.3/15.0
- DSCR +5.7/10.0
- Schools +4.6/10.0
- 1% rule +3.8/10.0
- Livability +3.3/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$231,500
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Located in the heart of Punta Gorda, this charming home offers a wonderful opportunity to create your dream space. While the property requires some repairs due to hurricane damage, its inviting layout and desirable location make it a hidden gem waiting to shine. Inside, you'll find an open concept living room, dining area, and kitchen that create a seamless flow, perfect for gatherings and day-to-day living. Off the kitchen is a generously sized laundry and storage room, adding convenience and versatility to the home's layout. The bedrooms and bathrooms are tucked away down the hall, providing privacy and comfort for all residents. Outside, the property features a spacious driveway, carport, and both a covered front porch and rear porch, offering multiple spots to relax and enjoy the Florida weather. The fully fenced yard provides added privacy and space for pets, gardening, or outdoor activities. With its central location near shops, dining, and all that Punta Gorda has to offer, this property holds incredible potential. Bring your vision and creativity to make it your own. Optional HOA includes use of clubhouse and boat ramp. Schedule a tour today!
Key facts
- Stone countertops
- Screened lanai
- Gorgeous cabinets
Tags
Property features AI
Finance
- Other: Flood insurance required; Lot approximately 0.22 acre (under 1/4 acre); Asphalt road access
- HOA & community: Charlotte Park Civic Association (optional membership); Annual association fee $90 (approx. $7.50/month); Community clubhouse; No pets allowed
Exterior
- Parking: Attached garage (1 car); Garage; Boat parking; Oversized parking; RV access/parking
- Utilities: Public water; Septic tank sewer; Cable available and connected; Electricity available and connected
- Home design: Single-family residence; One story; East-facing
- Construction: Block and stucco construction; Shingle roof; Block foundation; Built on one level
- Exterior features: Enclosed rear porch; Rain gutters; Above-ground pool; Chain link fencing; Boat ramp (private)
Interior
- Kitchen: Dishwasher; Range; Microwave; Refrigerator; Solid surface counters
- Bedrooms: 3 bedrooms
- Flooring: Tile
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating; Central air
- Interior features: Ceiling fans; Solid surface counters; Thermostat; Window treatments; Decorative electric fireplace in family room
- Laundry & utility: Inside laundry room; Washer hookup; Electric dryer hookup
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath single-family listed at $232k.
Deal economics
- At list price, monthly cash flow is $-222 ($-3k/yr) — negative.
- To cash-flow at today's rent, offer at most $192k (16.9% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $204k (12.1% below list).
- Recommended offer: $192k (16.9% below list) — sets the bar for cash-flow.
- Cap rate 7.4% vs local median 4.3% in Charlotte Park — 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 66/100 on livability (#624 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, 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.
- Market conditions: Rents soft (-0.1%/yr); 999 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); solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
- This rent runs 32% of the median local income ($76k/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 $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 276 days — a 12% lower offer ($204k) is reasonable based on typical stale-listing flexibility.
- 7 sale attempts since 22y ago; this cycle's ask has dropped $24k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $150k; list at $232k implies a 54% gain — meaningful room to come down on a strong offer.
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→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
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 276 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
- Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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?
- 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 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?
- 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 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
- 0.88% ✗
- Cap rate
- 7.35%
- Cash-on-cash
- 3.79%
- DSCR
- 1.17
- GRM
- 9.5
CMA / ARV
- ARV (on-the-fly)
- $247,104
- Comps found
- 8
Show comp detail 8 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 625 Pompano Ter | 0.03mi | 2/2.0 | 1,220 (-2%) | 15mo | $130,000 | $107 | 82 |
| 850 Marlin Dr | 0.24mi | 2/1.0 | 1,192 (-4%) | 8mo | $137,000 | $115 | 70 |
| 2610 Camellia Ter | 0.12mi | 3/2.0 (+1) | 1,134 (-9%) | 6mo | $255,000 | $225 | 69 |
| 3000 Palm Dr | 0.43mi | 2/2.0 | 1,388 (+11%) | 1mo | $275,000 | $198 | 60 |
| 3102 Buttonwood Pl | 0.40mi | 2/2.0 | 1,318 (+6%) | 16mo | $399,000 | $303 | 59 |
| 1348 Aqui Esta Dr | 0.66mi | 2/2.0 | 1,329 (+6%) | 9mo | $186,000 | $140 | 51 |
| 523 Oliphant Ln | 0.65mi | 2/2.0 | 1,173 (-6%) | 13mo | $159,000 | $136 | 49 |
| 920 Juno Dr | 0.73mi | 3/2.0 (+1) | 1,351 (+8%) | 4mo | $415,000 | $307 | 44 |
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
- IRR
- -27.1%
- Equity multiple
- 0.11×
- Total profit
- $-57,445
- Equity at exit
- $34,517
- IRR
- -44.1%
- Equity multiple
- -0.40×
- Total profit
- $-90,584
- Equity at exit
- $20,016
Cash invested: $64,820 (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
ZIP-level market 33950
- Home prices YoY
- -29.9%
- Rents YoY
- -0.1%
- Active inventory
- 999
- Price-to-rent
- 9.5×
Monthly cashflow live
- Estimated rent
- $2,036 high interval (Pro) →
- Mortgage (P&I)
- −$1,214
- Tax from tax record
- −$86 /mo · $1,037/yr
- Insurance
- −$96
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$7
- Vacancy / Maint / Mgmt
- −$428
- Net cashflow
- $-222
Break-even live
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
- $57,875
- Closing costs
- $6,945
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 625 Pompano Ter Punta Gorda, FL | 2.0 | 2.0 | 1220 | $1,850 | $1.52 | 21d | 1 | 0.03mi |
| 323 Dolphin Pkwy Punta Gorda, FL | 2.0 | 2.0 | 1272 | $2,100 | $1.65 | 21d | 1 | 0.20mi |
| 255 W End Dr Punta Gorda, FL | 2.0–3.0 | 2.0 | 1559 | $2,800 | $1.80 | 21d | 3 | 0.25mi |
| 240 W End Dr #611 Punta Gorda, FL | 2.0 | 2.0 | 1306 | $1,675 | $1.28 | 21d | 1 | 0.28mi |
| 1204 Spanish Cay Ln Unit A Punta Gorda, FL | 2.0 | 2.0 | 1176 | $1,495 | $1.27 | 21d | 1 | 0.31mi |
| 3025 Magnolia Way Punta Gorda, FL | 2.0 | 2.0 | 1068 | $2,500 | $2.34 | 21d | 1 | 0.38mi |
| 2845 Magdalina Dr Unit 2 Punta Gorda, FL | 2.0 | 1.0 | 895 | $1,200 | $1.34 | 21d | 1 | 0.40mi |
| 2921 Vasco St Unit B Punta Gorda, FL | 2.0 | 2.0 | 900 | $1,500 | $1.67 | 21d | 1 | 0.41mi |
| 2926 Vasco St Unit 112 Punta Gorda, FL | 3.0 | 2.0 | 1329 | $2,250 | $1.69 | 21d | 1 | 0.45mi |
| 1335 Mineo Dr Unit G Punta Gorda, FL | 2.0 | 1.0 | 839 | $1,400 | $1.67 | 13d | 1 | 0.46mi |
| 920 Conecta Dr Punta Gorda, FL | 2.0 | 2.5 | 1137 | $1,500 | $1.32 | 13d | 1 | 0.47mi |
| 601 Shreve St Punta Gorda, FL | 2.0 | 2.0 | 1396 | $3,500 | $2.51 | 21d | 3 | 0.49mi |
| 3121 Vasco St #6 Punta Gorda, FL | 2.0 | 2.0 | 748 | $1,200 | $1.60 | 21d | 1 | 0.51mi |
| 301 W Henry St Punta Gorda, FL | 1.0–2.0 | 1.0–2.0 | 830 | $2,400 | $2.89 | 21d | 1 | 0.58mi |
| 1306 McGregor St Punta Gorda, FL | 2.0 | 2.0 | 900 | $3,000 | $3.33 | 21d | 1 | 0.73mi |
| 3221 White Ibis Ct Punta Gorda, FL | 2.0 | 1.0 | 826 | $1,425 | $1.73 | 13d | 2 | 0.75mi |
| 1358 Rock Dove Ct Apt 7 Punta Gorda, FL | 2.0 | 2.0 | 1012 | $1,650 | $1.63 | 13d | 1 | 0.76mi |
| 3251 White Ibis Ct Unit A1 Punta Gorda, FL | 2.0 | 2.0 | 1025 | $1,500 | $1.46 | 21d | 1 | 0.79mi |
| 311 Garvin St Unit 407A Punta Gorda, FL | 2.0 | 2.0 | 1114 | $2,200 | $1.97 | 21d | 1 | 0.80mi |
| 368 E Henry St Punta Gorda, FL | 1.0 | 1.0 | 740 | $1,500 | $2.03 | 21d | 1 | 0.80mi |
| 3233 Wood Thrush Dr Unit 24A Punta Gorda, FL | 2.0 | 2.0 | 1024 | $2,100 | $2.05 | 13d | 1 | 0.83mi |
| 927 W Olympia Ave Punta Gorda, FL | 3.0 | 1.0 | 912 | $1,750 | $1.92 | 13d | 1 | 0.84mi |
| 1461 Aqui Esta Dr Unit B4 Punta Gorda, FL | 2.0 | 2.0 | 1049 | $1,800 | $1.72 | 13d | 1 | 0.86mi |
| 316 Coldeway Dr #26 Punta Gorda, FL | 2.0 | 2.0 | 1460 | $1,500 | $1.03 | 13d | 1 | 0.88mi |
| 1001 W Marion Ave Punta Gorda, FL | 2.0 | 1.0–2.0 | 899 | $1,500 | $1.67 | 13d | 2 | 0.93mi |
| 340 E Ann St Punta Gorda, FL | 1.0–2.0 | 1.0–2.0 | 1050 | $1,700 | $1.62 | 21d | 1 | 0.94mi |
| 810 Kings Ct Unit D Punta Gorda, FL | 2.0 | 1.5 | 825 | $1,450 | $1.76 | 21d | 1 | 0.95mi |
| 317 E McKenzie St Punta Gorda, FL | 2.0 | 2.0 | 1160 | $1,675 | $1.44 | 13d | 1 | 0.96mi |
| 216 Berry St Punta Gorda, FL | 1.0 | 1.5 | 760 | $2,400 | $3.16 | 21d | 1 | 0.97mi |
| 3322 Purple Martin Dr Unit Reservation Spot 1 Punta Gorda, FL | 2.0 | 2.0 | 1400 | $3,800 | $2.71 | 21d | 1 | 0.99mi |
| 3322 Purple Martin Dr #132 Punta Gorda, FL | 2.0 | 2.0 | 1381 | $1,650 | $1.19 | 21d | 1 | 0.99mi |
| 4020 Palm Dr Punta Gorda, FL | 2.0 | 2.0 | 1228 | $2,300 | $1.87 | 21d | 1 | 1.02mi |
| 720 W Marion Ave Punta Gorda, FL | 1.0 | 1.0 | 950 | $1,400 | $1.47 | 21d | 1 | 1.04mi |
| 219 Lewis Cir #112 Punta Gorda, FL | 3.0 | 2.0 | 1377 | $4,500 | $3.27 | 21d | 1 | 1.04mi |
| 1620 Montia Ct Punta Gorda, FL | 2.0 | 2.0 | 1100 | $2,300 | $2.09 | 21d | 1 | 1.05mi |
| 215 Lewis Cir #111 Punta Gorda, FL | 3.0 | 2.0 | 1377 | $4,500 | $3.27 | 21d | 1 | 1.05mi |
| 215 Lewis Cir #112 Punta Gorda, FL | 2.0 | 2.0 | 1377 | $4,500 | $3.27 | 21d | 1 | 1.05mi |
| 327 Harvey St Punta Gorda, FL | 2.0 | 2.0 | 1078 | $4,995 | $4.63 | 21d | 1 | 1.07mi |
| 1477 Park Beach Cir Punta Gorda, FL | 2.0–3.0 | 2.0–3.0 | 1767 | $2,100 | $1.19 | 13d | 2 | 1.10mi |
| 1080 Bal Harbor Blvd Unit 4D Punta Gorda, FL | 2.0 | 2.0 | 1114 | $1,675 | $1.50 | 21d | 1 | 1.10mi |
HOA detail
- Monthly dues
- $7 · $84/yr
Listing history 43 events
-
2026-06-18days on market $231,500 Active 276 DOM
-
2026-06-17days on market $231,500 Active 275 DOM
-
2026-06-16days on market $231,500 Active 274 DOM
-
2026-06-15days on market $231,500 Active 273 DOM
-
2026-06-14days on market $231,500 Active 271 DOM
-
2026-06-13days on market $231,500 Active 270 DOM
-
2026-06-10days on market $231,500 Active 268 DOM
-
2026-06-09days on market $231,500 Active 267 DOM
-
2026-06-08days on market $231,500 Active 266 DOM
-
2026-06-05days on market $231,500 Active 262 DOM
-
2026-06-02days on market $231,500 Active 260 DOM
-
2026-06-01days on market $231,500 Active 259 DOM
-
2026-05-31days on market $231,500 Active 258 DOM
-
2026-05-30days on market $231,500 Active 257 DOM
-
2026-04-27price $231,500
-
2026-02-16price $241,500
-
2025-09-15$255,000 Active
-
2025-08-21historical
-
2025-08-19price $255,000
-
2025-04-10price $265,000
-
2025-03-29price $275,000
-
2025-03-06$280,000 Active
-
2024-12-27soldstatus $150,000
-
2024-12-19soldstatus $150,000 Closed 1168-char remark
Show marketing remark (1168 chars)
Located in the heart of Punta Gorda, this charming home offers a wonderful opportunity to create your dream space. While the property requires some repairs due to hurricane damage, its inviting layout and desirable location make it a hidden gem waiting to shine. Inside, you'll find an open concept living room, dining area, and kitchen that create a seamless flow, perfect for gatherings and day-to-day living. Off the kitchen is a generously sized laundry and storage room, adding convenience and versatility to the home's layout. The bedrooms and bathrooms are tucked away down the hall, providing privacy and comfort for all residents. Outside, the property features a spacious driveway, carport, and both a covered front porch and rear porch, offering multiple spots to relax and enjoy the Florida weather. The fully fenced yard provides added privacy and space for pets, gardening, or outdoor activities. With its central location near shops, dining, and all that Punta Gorda has to offer, this property holds incredible potential. Bring your vision and creativity to make it your own. Optional HOA includes use of clubhouse and boat ramp. Schedule a tour today!
-
2024-12-10status Pending 1168-char remark
Show marketing remark (1168 chars)
Located in the heart of Punta Gorda, this charming home offers a wonderful opportunity to create your dream space. While the property requires some repairs due to hurricane damage, its inviting layout and desirable location make it a hidden gem waiting to shine. Inside, you'll find an open concept living room, dining area, and kitchen that create a seamless flow, perfect for gatherings and day-to-day living. Off the kitchen is a generously sized laundry and storage room, adding convenience and versatility to the home's layout. The bedrooms and bathrooms are tucked away down the hall, providing privacy and comfort for all residents. Outside, the property features a spacious driveway, carport, and both a covered front porch and rear porch, offering multiple spots to relax and enjoy the Florida weather. The fully fenced yard provides added privacy and space for pets, gardening, or outdoor activities. With its central location near shops, dining, and all that Punta Gorda has to offer, this property holds incredible potential. Bring your vision and creativity to make it your own. Optional HOA includes use of clubhouse and boat ramp. Schedule a tour today!
-
2024-12-05$150,000 Active 1168-char remark
Show marketing remark (1168 chars)
Located in the heart of Punta Gorda, this charming home offers a wonderful opportunity to create your dream space. While the property requires some repairs due to hurricane damage, its inviting layout and desirable location make it a hidden gem waiting to shine. Inside, you'll find an open concept living room, dining area, and kitchen that create a seamless flow, perfect for gatherings and day-to-day living. Off the kitchen is a generously sized laundry and storage room, adding convenience and versatility to the home's layout. The bedrooms and bathrooms are tucked away down the hall, providing privacy and comfort for all residents. Outside, the property features a spacious driveway, carport, and both a covered front porch and rear porch, offering multiple spots to relax and enjoy the Florida weather. The fully fenced yard provides added privacy and space for pets, gardening, or outdoor activities. With its central location near shops, dining, and all that Punta Gorda has to offer, this property holds incredible potential. Bring your vision and creativity to make it your own. Optional HOA includes use of clubhouse and boat ramp. Schedule a tour today!
-
2022-04-07soldstatus $282,000
-
2022-03-18soldstatus $282,000 Closed
-
2022-02-19status Pending
-
2021-12-28$300,000 Active
-
2020-02-07soldstatus $155,900 Sold
-
2020-01-09status Pending
-
2020-01-07price $155,900
-
2019-12-09price $159,900
-
2019-11-11price $164,900
-
2019-10-10$169,900 Active
-
2011-11-14historical
-
2011-09-30$130,000
-
2005-03-09soldstatus $146,000
-
2005-02-25soldstatus $146,000
-
2004-10-29$146,000
-
1995-04-14soldstatus $50,000
-
1988-05-01soldstatus $50,000
ⓘ 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
- $1,037 · $86/mo
- Projected year-2 tax
- $1,921 · $160/mo
- Expected delta
- +$885/yr (+$74/mo · 85.4%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
- Wildfire 1/10 Low
- 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
- $24,432
- − Mortgage interest
- −$12,968
- − Property taxes
- −$1,037
- − Insurance
- −$6,276
- − Repairs & maintenance
- −$1,955
- − Management
- −$1,955
- − HOA
- −$84
- − Depreciation
- −$6,735
- Taxable loss
- −$6,576
- Est. tax savings @ 24.0%
- +$1,578
- After-tax cash flow
- $-1,085/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 — Charlotte Park
- Score
- 66/100
- State rank
- #624
- US rank
- #12150
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Charlotte Park, FL
- County
- Charlotte County · 196,994 people
- Metro
- Punta Gorda, FL
- Population (ZIP)
- 24,955
- Household income
- $76,369
- Rent vs Own
- Severe rent burden
- 608.0
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 (86%)
- Race & ethnicity
- White 86% Two or more races 5% Black 5% Hispanic / Latino 4% Asian 1%
- Common ancestry
- Lithuanian 5% Romanian 4% Italian 2%
- Foreign-born
- 7% · Canada
- Languages at home
- 95% English-only · Spanish 3% Other Indo-European 1% 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
- ▼ -111.73%
- Current HPI
- 261.6573
- Rent YoY
- ▼ -0.06%
- 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
+363.0% since first listed29 events — show timeline
- 2026-04-27 Price Changed $231,500 Stellar MLS as Distributed by MLS Grid
- 2026-02-16 Price Changed $241,500 Stellar MLS as Distributed by MLS Grid
- 2025-09-15 Listed $255,000 Stellar MLS as Distributed by MLS Grid
- 2025-08-21 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2025-08-19 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
- 2025-04-10 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
- 2025-03-29 Price Changed $275,000 Stellar MLS as Distributed by MLS Grid
- 2025-03-06 Listed $280,000 Stellar MLS as Distributed by MLS Grid
- 2024-12-27 Sold (Public Records) $150,000 Public Records
- 2024-12-19 Sold (MLS) $150,000 Stellar MLS as Distributed by MLS Grid
- 2024-12-10 Pending — Stellar MLS as Distributed by MLS Grid
- 2024-12-05 Listed $150,000 Stellar MLS as Distributed by MLS Grid
- 2022-04-07 Sold (Public Records) $282,000 Public Records
- 2022-03-18 Sold (MLS) $282,000 Stellar MLS as Distributed by MLS Grid
- 2022-02-19 Pending — Stellar MLS as Distributed by MLS Grid
- 2021-12-28 Listed $300,000 Stellar MLS as Distributed by MLS Grid
- 2020-02-07 Sold (MLS) $155,900 Stellar MLS as Distributed by MLS Grid
- 2020-01-09 Pending — Stellar MLS as Distributed by MLS Grid
- 2020-01-07 Price Changed $155,900 Stellar MLS as Distributed by MLS Grid
- 2019-12-09 Price Changed $159,900 Stellar MLS as Distributed by MLS Grid
- 2019-11-11 Price Changed $164,900 Stellar MLS as Distributed by MLS Grid
- 2019-10-10 Listed $169,900 Stellar MLS as Distributed by MLS Grid
- 2011-11-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2011-09-30 Listed $130,000 Stellar MLS as Distributed by MLS Grid
- 2005-03-09 Sold (Public Records) $146,000 Public Records
- 2005-02-25 Sold (MLS) $146,000 Stellar MLS as Distributed by MLS Grid
- 2004-10-29 Listed $146,000 Stellar MLS as Distributed by MLS Grid
- 1995-04-14 Sold (Public Records) $50,000 Public Records
- 1988-05-01 Sold (Public Records) $50,000 Public Records
Property tax history
+0.5%/yrLatest (2025): $1,037 · -23.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…