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108 Lake Point Ln Unit 1B
D+ Composite 45.17
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).

  • Cash flow +13.2/30.0
  • ARV discount +7.5/15.0
  • 1% rule +7.0/10.0
  • Schools +5.0/10.0
  • DSCR +4.0/10.0
  • Livability +4.0/5.0
  • Condition / age +2.5/5.0
  • Rent growth +2.1/5.0
  • Appreciation +0.0/10.0

$235,000

108 Lake Point Ln Unit 1B · Naples, FL 34112
2 bd · 2.5 ba · 1,393 sqft · Condo public records · 54 Days on market
Built 1978 $659/mo HOA · 23% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Looking for a newly renovated gem located minutes from 5th Ave, entertainment, shopping, dining & beaches? Look no further. This spacious 2-story townhouse boasts brand new quartz countertops, stainless steel appliances, custom vanity in master suite and much more! PRIVACY FENCE being installed!! Roof - 3 years old. Water heater - 2 years old. Just steps from the pool. This lovely property is awaiting your arrival to come make it your home!

Key facts

  • Screened courtyard
  • Community pool
  • Bayberry community

Tags

CORNER UNIT TOWNHOUSEBAYBERRY COMMUNITYCOMMUNITY POOLSCREENED COURTYARDUPPER-LEVEL BALCONIESOPEN-CONCEPT LAYOUT

Property features AI

Finance

  • Other: 8 units in the complex, 4 units in the building; 2 total floors in the building; Lot is a corner unit (Lot Unit B) with landscaped area view; Irrigation: central; Road: paved; Property restrictions: Architectural review, deeded restrictions, limits on number of vehicles, no commercial use, no motorcycles, no RVs
  • HOA & community: Mandatory HOA (Condo management); Monthly HOA fee of $650; Annual recurring HOA fees total $7,800; One-time fees total $150; HOA covers insurance, irrigation water, lawn/land maintenance, legal/accounting, exterior pest control, sewer, street lights, street maintenance, trash removal, and water; Community amenities include bike and jog path, community pool, and streetlights; Non-gated community

Exterior

  • Parking: 1 assigned parking space; Guest parking available; Paved parking; Detached 1-car carport
  • Utilities: Central water; Central sewer; Cable available
  • Home design: Residential townhouse; 2-story; Corner unit; Rear exposure to the east; Located in the Bayberry development
  • Construction: Concrete block construction; Built in 1978
  • Exterior features: Courtyard; Deck; Shutters (manual); Stucco exterior; Single hung windows; Built-up or flat roof

Interior

  • Kitchen: Island; Dishwasher; Disposal; Microwave; Range; Refrigerator
  • Bedrooms: 2 bedrooms; Two master suites
  • Flooring: Laminate; Tile
  • Bathrooms: 2 full bathrooms; 1 half bathroom; Master baths with combo tub and shower and separate shower-only options
  • Heating & cooling: Central electric heat; Central electric cooling
  • Interior features: Cable pre-wired; High-speed internet available; Smoke detectors; Window coverings; Balcony; Screened lanai/porch; Dining space in living area; Eat-in kitchen; Island kitchen; Laundry in residence; Unfurnished
  • Laundry & utility: Washer; Dryer; Laundry in residence

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.5-bath condo listed at $235k.

Deal economics

  • At list price, monthly cash flow is $-72 ($-868/yr) — negative.
  • To cash-flow at today's rent, offer at most $222k (5.4% below list).
  • Meets the 1% rule at list price ($3k rent vs $235k).
  • Recommended offer: $222k (5.4% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads 80/100 on livability (#126 in FL, #1,903 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, employment A+; Watch: commute D+, cost of living 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.
  • Zoned schools: Lely Elementary School (math 45% / reading 46%, grade D-, #1,247 of 2,144 statewide, top 59%, 499 students, 62% FRL); East Naples Middle School (math 56% / reading 44%, grade C, #254 of 571 statewide, top 45%, 854 students, 63% FRL); Lely High School (math 40% / reading 39%, grade F, #304 of 667 statewide, top 47%, 1,504 students, 54% FRL) — zoned schools at 60% FRL track the district average.
  • Zoned-school proficiency averages 45% at this address vs 58% district-wide (-13 pts) — the specific schools serving this property underperform the Collier average; the district grade overstates school quality for this exact location.
  • Market conditions: Rents soft (-1.7%/yr); 776 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
  • At $2,808/mo this rent would consume 48% of the median local household income ($70k/yr) (locally 980% 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 $2k of loan paydown is wiped out by about $7k 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

  • It's been on market 54 days — a 3% lower offer ($228k) is reasonable based on typical stale-listing flexibility.
  • 7 sale attempts since 7y 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 $190k; 24% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Watch-outs: flood insurance adds $66/mo; HOA is 23% of rent.
  • Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $222,217 (5.4% 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 54 days. Have you received any prior offers? Is the seller open to a 5% concession, seller financing, or rate buy-down credit?
  3. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  5. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  6. 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?
  7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  8. Schools are B-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?
  9. 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?
  10. 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.
  11. 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.
  12. 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
1.20%
Cap rate
6.26%
Cash-on-cash
-0.11%
DSCR
1.00
GRM
7.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-23.2%
Equity multiple
0.23×
Total profit
$-50,467
Equity at exit
$35,039
10-year hold
IRR
-36.7%
Equity multiple
-0.21×
Total profit
$-79,849
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 34112

Rents YoY
-1.7%
Active inventory
776
Price-to-rent
7.0×

Monthly cashflow live

Estimated rent
$2,808 high interval (Pro) →
Mortgage (P&I)
$1,232
Tax from tax record
$235 /mo · $2,823/yr
Insurance
$98
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
$659
Vacancy / Maint / Mgmt
$590
Net cashflow
$-72

Break-even live

Break-even rent $2,900
Max offer price $222,217
Occupancy floor 98%

Sensitivity live

Price -10% $61 -5% $-6 +0% $-72 +5% $-139 +10% $-205
Rent -10% $-294 -5% $-183 +0% $-72 +5% $39 +10% $150
Rate -1.0pp $46 -0.5pp $-13 base $-72 +0.5pp $-133 +1.0pp $-195

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
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

AddressBedsBaths SqftRent$/sqft DOM Units Dist
148 Lake Point Ln Naples, FL 2.0 2.5 1530 $2,100 $1.37 25d 1 0.05mi
360 Charlemagne Blvd Unit D105 Naples, FL 2.0 2.0 1082 $3,200 $2.96 25d 1 0.12mi
4410 Chantelle Dr Unit H-205 Naples, FL 2.0 2.0 1349 $3,500 $2.59 15d 1 0.13mi
332 Charlemagne Blvd Unit H101 Naples, FL 2.0 2.0 1082 $3,500 $3.23 25d 1 0.22mi
332 Charlemagne Blvd Unit H103 Naples, FL 2.0 2.0 1082 $3,495 $3.23 25d 1 0.22mi
5595 Greenwood Cir #92 Naples, FL 3.0 2.0 1450 $5,000 $3.45 25d 1 0.30mi
5778 Greenwood Cir Naples, FL 3.0 2.0 1450 $4,000 $2.76 25d 1 0.35mi
5419 Rattlesnake Hammock Rd Unit 307F Naples, FL 2.0 2.0 1071 $1,950 $1.82 15d 1 0.37mi
5499 Rattlesnake Hammock Rd Naples, FL 2.0 2.0 1071 $1,775 $1.66 15d 2 0.38mi
5502 Greenwood Cir #1 Naples, FL 3.0 2.0 1450 $2,400 $1.66 25d 1 0.42mi
5535 Rattlesnake Hammock Rd #302 Naples, FL 2.0 2.0 1205 $2,800 $2.32 25d 1 0.47mi
30 Maui Cir #30 Naples, FL 3.0 2.0 1552 $2,795 $1.80 25d 1 0.49mi
5708 Deauville Cir Unit 308 Naples, FL 3.0 2.0 1500 $4,500 $3.00 25d 1 0.52mi
5635 Rattlesnake Hammock Rd Apt 203D Naples, FL 2.0 2.0 1054 $1,700 $1.61 23d 1 0.54mi
5792 Deauville Cir Unit A103 Naples, FL 2.0 2.0 1209 $3,900 $3.23 25d 1 0.56mi
5651 Rattlesnake Hammock Rd Unit C-108 Naples, FL 2.0 2.0 1054 $1,800 $1.71 25d 1 0.58mi
200 Valley Stream Dr Unit 8B Naples, FL 2.0 2.0 979 $1,750 $1.79 25d 1 0.58mi
4911 Catalina Dr Unit 22 Naples, FL 3.0 1.5 1200 $1,950 $1.62 15d 1 0.60mi
300 Valley Stream Dr Unit 3D Naples, FL 2.0 2.0 979 $1,795 $1.83 25d 1 0.62mi
300 Valley Stream Dr Unit 3D Naples, FL 2.0 2.0 979 $1,795 $1.83 23d 1 0.62mi
4907 Catalina Dr Unit 45 Naples, FL 3.0 2.0 1270 $1,900 $1.50 15d 1 0.63mi
232 Pebble Beach Blvd #104 Naples, FL 3.0 2.0 1298 $1,975 $1.52 25d 1 0.64mi
5733 Deauville Cir Unit G308 Naples, FL 3.0 2.0 1427 $3,600 $2.52 25d 1 0.64mi
5741 Deauville Cir Unit F108 Naples, FL 3.0 2.0 1427 $3,600 $2.52 25d 1 0.66mi
4977 Pepper Cir #205 Naples, FL 2.0 2.0 1250 $2,250 $1.80 23d 1 0.66mi
240 Pebble Beach Blvd #702 Naples, FL 2.0 2.0 1090 $4,000 $3.67 25d 1 0.67mi
5754 Deauville Cir Unit E104 Naples, FL 1.0 2.0 1209 $1,190 $0.98 25d 1 0.68mi
213 Bay Meadows Dr Naples, FL 3.0 2.0 1650 $5,500 $3.33 25d 1 0.68mi
190 Pebble Beach Blvd #301 Naples, FL 2.0 2.0 954 $1,700 $1.78 25d 1 0.72mi
4556 Andover Way Unit E104 Naples, FL 2.0 2.0 1072 $5,000 $4.66 15d 1 0.72mi
4556 Andover Way Unit E106 Naples, FL 2.0 2.0 1172 $1,900 $1.62 15d 1 0.72mi
5665 Whitaker Rd #202 Naples, FL 2.0 2.0 1099 $1,900 $1.73 23d 1 0.72mi
5737 Whitaker Rd Unit C101 Naples, FL 3.0 2.0 1281 $2,300 $1.80 25d 1 0.74mi
4830 Cortez Cir Naples, FL 3.0 2.0 1218 $3,100 $2.55 25d 1 0.74mi
5741 Whitaker Rd Unit D203 Naples, FL 3.0 2.0 1281 $2,200 $1.72 25d 1 0.76mi
4261 Pearl Harbor Dr Unit 1546170P Naples, FL 3.0 2.0 1797 $3,387 $1.88 15d 1 0.77mi
3250 W Crown Pointe Blvd #101 Naples, FL 3.0 2.0 1653 $7,000 $4.23 25d 1 0.78mi
3685 Amberly Cir Unit D305 Naples, FL 2.0 2.0 1320 $5,100 $3.86 25d 1 0.78mi
3308 Duchess Dr Naples, FL 3.0 3.0 1735 $3,600 $2.07 25d 1 0.79mi
5859 Westbourgh Ct Naples, FL 3.0 2.0 1746 $8,500 $4.87 15d 1 0.81mi

HOA detail condo

Monthly dues
$659 · $7,908/yr
Likely covers
waterpool
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 38 events

  1. 2026-06-21
    days on market $235,000 Active 54 DOM
  2. 2026-06-18
    days on market $235,000 Active 51 DOM
  3. 2026-06-17
    days on market $235,000 Active 50 DOM
  4. 2026-06-16
    days on market $235,000 Active 49 DOM
  5. 2026-06-15
    days on market $235,000 Active 48 DOM
  6. 2026-06-14
    pricedays on market $235,000 Active 46 DOM
  7. 2026-06-10
    days on market $240,000 Active 43 DOM
  8. 2026-06-09
    days on market $240,000 Active 42 DOM
  9. 2026-06-08
    days on market $240,000 Active 41 DOM
  10. 2026-06-07
    days on market $240,000 Active 40 DOM
  11. 2026-06-03
    days on market $240,000 Active 36 DOM
  12. 2026-06-02
    days on market $240,000 Active 35 DOM
  13. 2026-06-01
    days on market $240,000 Active 34 DOM
  14. 2026-05-31
    days on market $240,000 Active 33 DOM
  15. 2026-05-30
    days on market $240,000 Active 32 DOM
  16. 2026-04-28
    listed $240,000 Active
  17. 2020-07-30
    soldstatus $190,000
  18. 2020-07-27
    soldstatus $190,000 Sold 452-char remark
    Show marketing remark (452 chars)

    Looking for a newly renovated gem located minutes from 5th Ave, entertainment, shopping, dining & beaches? Look no further. This spacious 2-story townhouse boasts brand new quartz countertops, stainless steel appliances, custom vanity in master suite and much more! PRIVACY FENCE being installed!! Roof - 3 years old. Water heater - 2 years old. Just steps from the pool. This lovely property is awaiting your arrival to come make it your home!

  19. 2020-05-23
    status Pending With Contingencies 452-char remark
    Show marketing remark (452 chars)

    Looking for a newly renovated gem located minutes from 5th Ave, entertainment, shopping, dining & beaches? Look no further. This spacious 2-story townhouse boasts brand new quartz countertops, stainless steel appliances, custom vanity in master suite and much more! PRIVACY FENCE being installed!! Roof - 3 years old. Water heater - 2 years old. Just steps from the pool. This lovely property is awaiting your arrival to come make it your home!

  20. 2020-05-20
    price $190,000 452-char remark
    Show marketing remark (452 chars)

    Looking for a newly renovated gem located minutes from 5th Ave, entertainment, shopping, dining & beaches? Look no further. This spacious 2-story townhouse boasts brand new quartz countertops, stainless steel appliances, custom vanity in master suite and much more! PRIVACY FENCE being installed!! Roof - 3 years old. Water heater - 2 years old. Just steps from the pool. This lovely property is awaiting your arrival to come make it your home!

  21. 2020-04-06
    listed $197,500 Active 452-char remark
    Show marketing remark (452 chars)

    Looking for a newly renovated gem located minutes from 5th Ave, entertainment, shopping, dining & beaches? Look no further. This spacious 2-story townhouse boasts brand new quartz countertops, stainless steel appliances, custom vanity in master suite and much more! PRIVACY FENCE being installed!! Roof - 3 years old. Water heater - 2 years old. Just steps from the pool. This lovely property is awaiting your arrival to come make it your home!

  22. 2020-02-12
    soldstatus $140,000
  23. 2020-02-05
    soldstatus $140,000 Sold 344-char remark
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  24. 2020-01-30
    status Pending 344-char remark
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  25. 2020-01-30
    listed $162,500 Active 344-char remark
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  26. 2020-01-30
    soldstatus $140,000 Sold 344-char remark
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  27. 2020-01-24
    status Pending 344-char remark
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  28. 2020-01-09
    status Active 344-char remark
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  29. 2020-01-03
    status Pending 344-char remark
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  30. 2019-12-02
    listed $162,500 Active 344-char remark
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  31. 2019-12-02
    historical
    Show marketing remark (344 chars)

    Oversize two story townhouse with extra large bedrooms and your private patio. Very clean and maintained ready for the new full time resident, vacation home or perfect for the investor with low fees and hands free living. This is a short drive to the pristine beaches of Naples and 5th Avenues shopping and dining and a handful of golf courses.

  32. 2019-11-21
    status Active
  33. 2019-10-02
    status Pending With Contingencies
  34. 2019-09-25
    price $162,500
  35. 2019-09-17
    listed $167,500 Active
  36. 2004-08-04
    soldstatus $134,500
  37. 1999-08-17
    soldstatus $80,000
  38. 1992-07-01
    soldstatus $72,500

ⓘ 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
$2,823 · $235/mo
Projected year-2 tax
$2,823 · $235/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 7/10 Severe FEMA zone X (shaded) · 76% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 9/10 Extreme 6 d/yr ≥107°F today · 21 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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$33,701
− Mortgage interest
−$13,164
− Property taxes
−$2,823
− Insurance
−$1,972
− Repairs & maintenance
−$2,696
− Management
−$2,696
− HOA
−$7,908
− Depreciation
−$6,836
Taxable loss
−$4,395
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,055
After-tax cash flow
$186/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

Score
80/100
State rank
#126
US rank
#1903

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Collier County · 396,295 people
City population
344,941
Metro
Naples-Marco Island, FL
Population (ZIP)
27,193
Household income
$69,842
Rent vs Own
23.8% rent · 76.2% own
Severe rent burden
980.0

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 (74%)
Race & ethnicity
White 74% Hispanic / Latino 18% Two or more races 9% Black 6% Native American 2% Asian 1%
Hispanic origin (detail)
Mexican 7% Puerto Rican 2% Cuban 4% Dominican 1%
Common ancestry
Hispanic 4% Romanian 3% Portuguese 2%
Foreign-born
19% · Canada, Jamaica
Languages at home
75% English-only · Spanish 17% French/Haitian/Cajun 4% German/W. Germanic 1%

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
▼ -235.10%
Current HPI
256.9182
Rent YoY
▼ -1.69%
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

Price history

+231.0% since first listed
23 events — show timeline
  • 2026-04-28 Listed $240,000 NAPLESMLS
  • 2020-07-30 Sold (Public Records) $190,000 Public Records
  • 2020-07-27 Sold (MLS) $190,000 NAPLESMLS
  • 2020-05-23 Pending NAPLESMLS
  • 2020-05-20 Price Changed $190,000 NAPLESMLS
  • 2020-04-06 Listed $197,500 NAPLESMLS
  • 2020-02-12 Sold (Public Records) $140,000 Public Records
  • 2020-02-05 Sold (MLS) $140,000 NAPLESMLS
  • 2020-01-30 Pending NAPLESMLS
  • 2020-01-30 Listed $162,500 NAPLESMLS
  • 2020-01-30 Sold (MLS) $140,000 NAPLESMLS
  • 2020-01-24 Pending NAPLESMLS
  • 2020-01-09 Relisted NAPLESMLS
  • 2020-01-03 Pending NAPLESMLS
  • 2019-12-02 Listing Removed NAPLESMLS
  • 2019-12-02 Listed $162,500 NAPLESMLS
  • 2019-11-21 Relisted NAPLESMLS
  • 2019-10-02 Pending NAPLESMLS
  • 2019-09-25 Price Changed $162,500 NAPLESMLS
  • 2019-09-17 Listed $167,500 NAPLESMLS
  • 2004-08-04 Sold (Public Records) $134,500 Public Records
  • 1999-08-17 Sold (Public Records) $80,000 Public Records
  • 1992-07-01 Sold (Public Records) $72,500 Public Records

Property tax history

+19.3%/yr

Latest (2025): $2,823 · +96.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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