6074 Kumquat Cir · Port LaBelle, FL 33935

$341,000

4 bd · 2.0 ba · 2,134 sqft · SingleFamily · 42 Days on market

Built 2026 Est $373k · 9% under

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Why this score? — see what drove the D 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).

• ARV discount +11.4/15.0
• Appreciation +10.0/10.0
• Cash flow +6.8/30.0
• Schools +3.1/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.8/10.0
• DSCR +1.0/10.0

Listing remarks

Discover the Majestic floorplan, part of our Value collection. This stunning home offers a harmonious blend of comfort and functionality, featuring 4 bedrooms, 2 full bathrooms, and a generously sized 2 car garage. The split plan design ensures optimal privacy for the Owner's Suite, creating a serene retreat separate from the other three bedrooms. Within the Owner's Suite, you'll find a full bath and a spacious walk-in closet, providing both convenience and style. The heart of the home is found in the open concept kitchen and great room, creating an inviting space that effortlessly accommodates family gatherings and shared moments. Additionally, a welcoming den awaits you at the front of th

Key facts

• Open concept kitchen
• Digital thermostat
• A/c system

Tags

• SPLIT PLAN DESIGN
• OWNER'S SUITE
• OPEN CONCEPT KITCHEN
• ENERGY-SMART FEATURES
• DIGITAL THERMOSTAT
• A/C SYSTEM

Property features AI

Finance

• Financial info: List price $341,000

Exterior

• Parking: 2 total parking spaces; 2-car garage
• Home design: Single-family residence; Located at 6074 Kumquat Cir, Labelle, FL
• Construction: Majestic plan
• Exterior features: Living area approximately 2,134

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: Spec home (Majestic plan); Active listing

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $341k.

Deal economics

• At list price, monthly cash flow is $-531 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $264k (22.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $231k (32.3% below list).
• Recommended offer: $231k (32.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 62/100 on livability (#750 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Hendry (town): math 35% / reading 40% proficiency, ranked #65 of 73 in FL (top 89%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 942 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 557 units permitted in Hendry County in 2024 (45 in 5+ unit buildings).
• At $2,310/mo this rent would consume 49% of the median local household income ($57k/yr) (locally 498% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $36k of equity ($2k loan paydown + $34k appreciation (10.0% local appreciation)).
• Hendry County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$59k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($331k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $231,027 (32.3% below list)

Questions for the listing agent

1. 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?
2. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 32% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.68% ✗
• Cap rate: 4.42%
• Cash-on-cash: -6.68%
• DSCR: 0.70
• GRM: 12.3

CMA / ARV

• ARV (on-the-fly): $373,450
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9027 Lamkin Cir	0.72mi	4/2.0	2,134 (0%)	4mo	$327,990	$154	63
6031 Keystone Cir	0.26mi	4/2.0	1,828 (-14%)	2mo	$286,999	$157	62
4529 Springview Cir	0.66mi	3/2.0 (-1)	2,064 (-3%)	1mo	$235,000	$114	58
6033 Kumquat Cir	0.24mi	4/3.0	1,935 (-9%)	14mo	$399,900	$207	57
6038 Twig Ct	0.40mi	4/2.0	1,828 (-14%)	10mo	$323,500	$177	49
8114 Ace Ct	0.25mi	4/2.0	1,828 (-14%)	22mo	$319,000	$175	46
6042 Keystone Cir	0.35mi	4/2.0	1,828 (-14%)	18mo	$319,960	$175	44
7009 Palpano Cir	0.75mi	4/3.0	1,935 (-9%)	10mo	$399,900	$207	37
6039 Pecan Cir	0.60mi	4/2.0	1,828 (-14%)	18mo	$301,990	$165	33
8209 Kent Ct	0.57mi	4/2.0	1,828 (-14%)	22mo	$318,560	$174	31

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.6%
• Equity multiple: 2.59×
• Total profit: $151,903
• Equity at exit: $307,200

10-year hold

• IRR: 18.0%
• Equity multiple: 5.96×
• Total profit: $474,019
• Equity at exit: $662,488

Cash invested: $95,480 (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 33935

• Home prices YoY: 16.3%
• Active inventory: 942
• Price-to-rent: 12.3×

Monthly cashflow live

• Estimated rent: $2,310 high
• Mortgage (P&I): −$1,788
• Tax est. 1.5%: −$426 /mo · $5,115/yr
• Insurance: −$142
• HOA: −$0
• Vacancy / Maint / Mgmt: −$485
• Net cashflow: $-531

Break-even live

Break-even rent $2,983

Max offer price $264,097

Occupancy floor —

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: $85,250
• Closing costs: $10,230
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6210 Forest Ct Labelle, FL	3.0	2.5	1503	$2,200	$1.46	23d	1	0.38mi
8030 Olive Cir Labelle, FL	4.0	2.0	1499	$2,300	$1.53	3d	1	0.48mi
6018 Acorn Cir Labelle, FL	3.0	2.0	1408	$2,200	$1.56	16d	1	0.51mi
8049 Memory Cir Labelle, FL	4.0	2.0	1686	$2,000	$1.19	3d	1	0.62mi
7061 Tide Cir Labelle, FL	4.0	2.0	1500	$1,695	$1.13	23d	1	0.80mi
7016 Palpano Cir Labelle, FL	3.0	2.5	1507	$2,100	$1.39	16d	1	0.81mi
9011 Penny Cir Labelle, FL	3.0	2.0	1731	$2,400	$1.39	23d	1	0.89mi
9001 Penny Cir Labelle, FL	3.0	2.0	1472	$2,300	$1.56	16d	1	0.99mi
9001 Penny Cir Labelle, FL	3.0	2.0	1472	$2,300	$1.56	23d	1	0.99mi
1064 Calumet Rd Labelle, FL	3.0	2.5	1503	$2,200	$1.46	23d	1	1.11mi
9035 W Crow Cir Labelle, FL	4.0	2.0	1530	$1,950	$1.27	3d	1	1.14mi
9012 S Indio Ct Labelle, FL	3.0	2.0	1400	$2,100	$1.50	19d	1	1.16mi
1535 Argosy Rd Labelle, FL	4.0	2.0	1836	$1,675	$0.91	3d	1	1.18mi
9007 Meadow Cir Labelle, FL	4.0	2.0	1500	$1,695	$1.13	3d	1	1.20mi
1088 Saturn Ct Labelle, FL	4.0	2.0	1439	$2,200	$1.53	19d	1	1.30mi
7038 Lotus Cir Labelle, FL	4.0	3.0	1680	$2,200	$1.31	16d	1	1.38mi
9018 W Justice Cir Labelle, FL	4.0	2.0	1499	$1,950	$1.30	11d	1	1.40mi

Listing history 13 events

1. 2026-06-18
   days on market $341,000 Active 42 DOM
2. 2026-06-17
   days on market $341,000 Active 41 DOM
3. 2026-06-16
   days on market $341,000 Active 40 DOM
4. 2026-06-15
   days on market $341,000 Active 39 DOM
5. 2026-06-13
   days on market $341,000 Active 36 DOM
6. 2026-06-10
   days on market $341,000 Active 34 DOM
7. 2026-06-09
   days on market $341,000 Active 33 DOM
8. 2026-06-08
   days on market $341,000 Active 32 DOM
9. 2026-06-07
   days on market $341,000 Active 31 DOM
10. 2026-06-03
    days on market $341,000 Active 27 DOM
11. 2026-06-02
    days on market $341,000 Active 26 DOM
12. 2026-06-01
    days on market $341,000 Active 25 DOM
13. 2026-05-31
    days on market $341,000 Active 24 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,723
• − Mortgage interest: −$19,101
• − Property taxes: −$5,115
• − Insurance: −$1,705
• − Repairs & maintenance: −$2,218
• − Management: −$2,218
• − Depreciation: −$9,920
• Taxable loss: −$12,554
• Est. tax savings @ 24.0%: +$3,013
• After-tax cash flow: $-3,365/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: Hendry
• NCES district ID: 1200780
• Math proficiency: 35% ▼ -11.00%
• Reading proficiency: 40% ▼ -4.00%
• Median HH income: $37,043
• Composite: 31.16/100
• National rank: #6054
• State rank: #65 of 73 in FL

Livability — Port LaBelle

• Score: 62/100
• State rank: #750
• US rank: #16264

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port LaBelle, FL
• County: Hendry County · 23,186 people
• Metro: Clewiston, FL
• Population (ZIP): 23,186
• Household income: $57,009
• Rent vs Own: 22.0% rent · 78.0% own
• Severe rent burden: 498.0

Population outlook (Hendry County) Hauer SSP2

• Today (2025): 38,866 people
• By 2030: 38,558 · -0.8%
• By 2040: 37,743 · -2.9%
• By 2050: 36,117 · -7.1%
• By 2075: 30,070 · -22.6%
• By 2100: 21,966 · -43.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Hispanic (56%)
• Race & ethnicity: Hispanic / Latino 56% White 39% Two or more races 21% Black 2% Native American 2%
• Hispanic origin (detail): Mexican 40% Puerto Rican 3% Cuban 5%
• Common ancestry: Lithuanian 2% Serbian 2% Slovak 1%
• Foreign-born: 27% · Canada, Jamaica
• Languages at home: 50% English-only · Spanish 50%

Political lean MEDSL · Hendry

• 2024 margin: Solid R (+38.3) · D 30.4% · R 68.7%
• 2008→2024 swing: -31.1pp toward R · 2008: -7.2pp · 2024: -38.3pp
• All cycles: 2024: R+38.3 2020: R+23.0 2016: R+14.2 2012: R+5.9 2008: R+7.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 75.20%
• Current HPI: 537.4928
• Rent YoY: —
• Metro: Clewiston, 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