18651 Ashcroft Cir · Port Charlotte, FL 33948

$142,500

3 bd · 2.0 ba · 1,284 sqft · SingleFamily public records · 48 Days on market

Built 1978 9,999 sqft lot

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fantastic home! Complete with new A/C System including new duct work! The floor plan has an easy and convenient flow, with 3 bedrooms and a bonus room. The home is very well maintained with ceramic flooring throughout. A nice size kitchen with plenty of cabinets and a great entertaining breakfast bar. The water hot heater is new, and both bathrooms have been upgraded with granite sinks and Moen faucets. The His & Hers outbuildings are fantastic! One is 7'x16', and is air conditioned, the other 7'x12' for plenty of his tools and big boy toys. You can thoroughly enjoy the lush and well manicured landscaping in the fenced in backyard, from the magnificent 43ft screened in lanai.

Key facts

• Fenced back yard
• Screened back porch
• French doors

Tags

• FENCED BACK YARD
• UTILITY SHEDS
• SCREENED BACK PORCH
• BREAKFAST BAR
• FRENCH DOORS

Property features AI

Finance

• Other: Lot size about 0.23 acres (approx. 0 to less than 1/4 acre); Universal property identifier available; Unfurnished
• Financial info: No lease restrictions; Property type: Residential, Single Family Residence; Zoning: RSF3.5
• HOA & community: No association indicated

Exterior

• Parking: Attached garage (1 car)
• Utilities: Public water; Public sewer; Electricity connected; Solar energy generation
• Home design: Single family residence; One story; Faces south
• Construction: Block construction; Shingle roof; Built on slab foundation; Living area approximately 1,284 sq ft; Total building area approximately 2,110 sq ft
• Exterior features: French doors; Storage; Chain link fencing; Paved road access

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Ceramic tile; Slab foundation
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans
• Laundry & utility: Inside laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $142k.

Deal economics

• At list price, monthly cash flow is $539 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $142k).
• Recommended offer: $138k (3.0% below list) — sets the bar for market timing.
• Cap rate 14.4% vs local median 4.4% in Port Charlotte — 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 65/100 on livability (#655 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, employment D, amenities 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 (-1.6%/yr); 953 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• At $2,668/mo this rent would consume 51% of the median local household income ($63k/yr) (locally 501% 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 $985 of loan paydown is wiped out by about $4k 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 48 days — a 3% lower offer ($138k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 15y 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.

Risks & watch-outs

• Watch-outs: property tax is 2.8% of price; 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→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $138,225 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 1.87% ✓
• Cap rate: 14.43%
• Cash-on-cash: 29.05%
• DSCR: 2.29
• GRM: 4.5

CMA / ARV

• ARV (on-the-fly): $354,384
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5121 Chaves Cir	0.31mi	3/2.0	1,336 (+4%)	6mo	$183,980	$138	73
18414 Burkholder Cir	0.40mi	2/2.0 (-1)	1,230 (-4%)	1mo	$339,900	$276	69
18361 Hottelet Cir	0.54mi	2/2.0 (-1)	1,288 (+0%)	4mo	$525,000	$408	66
19220 Moore Haven Ct	0.63mi	3/2.0	1,401 (+9%)	1mo	$367,500	$262	54
18671 Arapahoe Cir	0.20mi	3/2.0	1,453 (+13%)	18mo	$299,000	$206	53
18486 Briggs Cir	0.40mi	3/2.0	1,430 (+11%)	15mo	$360,000	$252	50
18067 Avonsdale Cir	0.68mi	3/2.0	1,248 (-3%)	18mo	$360,000	$288	48
4574 Herman Cir	0.51mi	2/2.0 (-1)	1,200 (-6%)	19mo	$462,500	$385	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

5-year hold

• IRR: 2.6%
• Equity multiple: 1.10×
• Total profit: $3,840
• Equity at exit: $21,247

10-year hold

• IRR: 7.7%
• Equity multiple: 1.48×
• Total profit: $18,980
• Equity at exit: $12,321

Cash invested: $39,900 (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 33948

• Home prices YoY: -14.9%
• Rents YoY: -1.6%
• Active inventory: 953
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $2,668 high
• Mortgage (P&I): −$747
• Tax from tax record: −$335 /mo · $4,023/yr
• Insurance: −$59
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$560
• Net cashflow: $539

Break-even live

Break-even rent $1,985

Max offer price $142,500

Occupancy floor 75%

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: $35,625
• Closing costs: $4,275
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
18686 Van Nuys Cir Port Charlotte, FL	3.0	2.0	1168	$1,600	$1.37	21d	1	0.28mi
18810 Ashcroft Cir Port Charlotte, FL	3.0	2.0	1387	$3,800	$2.74	21d	1	0.30mi
4670 Herman Cir Port Charlotte, FL	3.0	2.0	1350	$2,200	$1.63	21d	1	0.37mi
5081 Administration St Port Charlotte, FL	2.0	1.0	900	$1,500	$1.67	21d	1	0.44mi
18310 Burkholder Cir Port Charlotte, FL	3.0	2.0	1753	$3,250	$1.85	21d	1	0.53mi
18634 Goodman Cir Port Charlotte, FL	3.0	1.5	1182	$1,700	$1.44	14d	1	0.56mi
18058 Avonsdale Cir Port Charlotte, FL	3.0	2.0	1453	$4,000	$2.75	21d	1	0.71mi
18493 Lake Worth Blvd Port Charlotte, FL	2.0	2.0	1006	$1,500	$1.49	21d	1	0.72mi
4518 Wynkoop Cir Port Charlotte, FL	2.0	2.0	1409	$1,995	$1.42	14d	1	0.73mi
18289 Wolbrette Cir Port Charlotte, FL	2.0	2.0	1393	$4,000	$2.87	21d	1	0.76mi
18019 Avonsdale Cir Port Charlotte, FL	3.0	2.0	1202	$1,900	$1.58	21d	1	0.78mi
18625 Alphonse Cir Port Charlotte, FL	2.0	2.0	960	$4,000	$4.17	21d	1	0.83mi
4342 Ewing Cir Port Charlotte, FL	3.0	2.0	1260	$2,500	$1.98	21d	1	0.84mi
18608 Alphonse Cir Port Charlotte, FL	3.0	2.0	1441	$4,000	$2.78	21d	1	0.86mi
4399 Mundella Cir Port Charlotte, FL	3.0	2.0	1140	$3,200	$2.81	21d	1	0.88mi
18312 Driggers Ave Port Charlotte, FL	3.0	2.0	1428	$5,400	$3.78	21d	1	0.93mi
4192 Gingold St Port Charlotte, FL	3.0	2.0	1127	$4,200	$3.73	21d	1	0.97mi
4123 Michel Tree St Port Charlotte, FL	3.0	2.0	920	$1,750	$1.90	21d	1	1.02mi
4112 Gingold St Port Charlotte, FL	2.0	1.5	1056	$3,300	$3.12	21d	1	1.02mi
18522 Robinson Ave Port Charlotte, FL	3.0	2.0	1252	$2,000	$1.60	21d	1	1.19mi
4306 Joseph St Port Charlotte, FL	4.0	2.0	1636	$2,600	$1.59	14d	1	1.22mi
17377 Lake Worth Blvd Port Charlotte, FL	3.0	2.0	1522	$5,900	$3.88	14d	1	1.38mi
18353 Grace Ave Port Charlotte, FL	3.0	2.0	1658	$2,100	$1.27	21d	1	1.46mi
17364 Sabrina Cir Port Charlotte, FL	3.0	2.0	1204	$1,980	$1.64	21d	1	1.47mi

Listing history 27 events

1. 2026-04-29
   status Pending
2. 2026-04-21
   status Active
3. 2026-03-30
   status Pending
4. 2026-03-09
   status Active
5. 2026-01-28
   status Pending
6. 2026-01-09
   listed $142,500 Active
7. 2017-06-27
   soldstatus $147,000
8. 2017-06-24
   soldstatus $147,000 Sold 690-char remark

   Show marketing remark (690 chars)

   Fantastic home! Complete with new A/C System including new duct work! The floor plan has an easy and convenient flow, with 3 bedrooms and a bonus room. The home is very well maintained with ceramic flooring throughout. A nice size kitchen with plenty of cabinets and a great entertaining breakfast bar. The water hot heater is new, and both bathrooms have been upgraded with granite sinks and Moen faucets. The His & Hers outbuildings are fantastic! One is 7'x16', and is air conditioned, the other 7'x12' for plenty of his tools and big boy toys. You can thoroughly enjoy the lush and well manicured landscaping in the fenced in backyard, from the magnificent 43ft screened in lanai.

9. 2017-05-03
   status Pending 690-char remark

   Show marketing remark (690 chars)

   Fantastic home! Complete with new A/C System including new duct work! The floor plan has an easy and convenient flow, with 3 bedrooms and a bonus room. The home is very well maintained with ceramic flooring throughout. A nice size kitchen with plenty of cabinets and a great entertaining breakfast bar. The water hot heater is new, and both bathrooms have been upgraded with granite sinks and Moen faucets. The His & Hers outbuildings are fantastic! One is 7'x16', and is air conditioned, the other 7'x12' for plenty of his tools and big boy toys. You can thoroughly enjoy the lush and well manicured landscaping in the fenced in backyard, from the magnificent 43ft screened in lanai.

10. 2017-04-27
    status Active 690-char remark

    Show marketing remark (690 chars)

    Fantastic home! Complete with new A/C System including new duct work! The floor plan has an easy and convenient flow, with 3 bedrooms and a bonus room. The home is very well maintained with ceramic flooring throughout. A nice size kitchen with plenty of cabinets and a great entertaining breakfast bar. The water hot heater is new, and both bathrooms have been upgraded with granite sinks and Moen faucets. The His & Hers outbuildings are fantastic! One is 7'x16', and is air conditioned, the other 7'x12' for plenty of his tools and big boy toys. You can thoroughly enjoy the lush and well manicured landscaping in the fenced in backyard, from the magnificent 43ft screened in lanai.

11. 2017-04-24
    status Pending 690-char remark

    Show marketing remark (690 chars)

    Fantastic home! Complete with new A/C System including new duct work! The floor plan has an easy and convenient flow, with 3 bedrooms and a bonus room. The home is very well maintained with ceramic flooring throughout. A nice size kitchen with plenty of cabinets and a great entertaining breakfast bar. The water hot heater is new, and both bathrooms have been upgraded with granite sinks and Moen faucets. The His & Hers outbuildings are fantastic! One is 7'x16', and is air conditioned, the other 7'x12' for plenty of his tools and big boy toys. You can thoroughly enjoy the lush and well manicured landscaping in the fenced in backyard, from the magnificent 43ft screened in lanai.

12. 2017-04-14
    listed $147,000 Active 690-char remark

    Show marketing remark (690 chars)

    Fantastic home! Complete with new A/C System including new duct work! The floor plan has an easy and convenient flow, with 3 bedrooms and a bonus room. The home is very well maintained with ceramic flooring throughout. A nice size kitchen with plenty of cabinets and a great entertaining breakfast bar. The water hot heater is new, and both bathrooms have been upgraded with granite sinks and Moen faucets. The His & Hers outbuildings are fantastic! One is 7'x16', and is air conditioned, the other 7'x12' for plenty of his tools and big boy toys. You can thoroughly enjoy the lush and well manicured landscaping in the fenced in backyard, from the magnificent 43ft screened in lanai.

13. 2015-03-27
    soldstatus $105,000
14. 2015-03-25
    historical 998-char remark

    Show marketing remark (998 chars)

    PRICE REDUCED !! SOLID VALUE AND GREAT HOME ALL IN ONE! Fresh paint inside and out, ceramic flooring through-out, neat and clean make this property MOVE IN READY ! Nice size kitchen with loads of cabinets and double stainless steel sink. The floor plan has an easy and convenient flow. A huge screened lanai area for entertaining "Florida Style" including a soothing Hot Tub/Spa. The His & Hers outbuildings are fantastic! One is 7'x16', is air conditioned and used as a Craft Room. The other 7'x12' for plenty of his big boy toys and tools. The back yard is completely fenced and feels like your own private park or gentleman's farm with loads of fruit trees and vegetable garden. Nothing beats home grown! Improvements like NEW Storm Shutters, Hurricane Rated Garage Door and Automatic Opener, Ceiling Fans, Water Softener, Low Flush Toilets, and Security System to name a few. If Bang for the buck and a place to call home sweet home is what you seek. . This one is a must see !

15. 2015-03-25
    soldstatus $105,000 Sold 998-char remark

    Show marketing remark (998 chars)

    PRICE REDUCED !! SOLID VALUE AND GREAT HOME ALL IN ONE! Fresh paint inside and out, ceramic flooring through-out, neat and clean make this property MOVE IN READY ! Nice size kitchen with loads of cabinets and double stainless steel sink. The floor plan has an easy and convenient flow. A huge screened lanai area for entertaining "Florida Style" including a soothing Hot Tub/Spa. The His & Hers outbuildings are fantastic! One is 7'x16', is air conditioned and used as a Craft Room. The other 7'x12' for plenty of his big boy toys and tools. The back yard is completely fenced and feels like your own private park or gentleman's farm with loads of fruit trees and vegetable garden. Nothing beats home grown! Improvements like NEW Storm Shutters, Hurricane Rated Garage Door and Automatic Opener, Ceiling Fans, Water Softener, Low Flush Toilets, and Security System to name a few. If Bang for the buck and a place to call home sweet home is what you seek. . This one is a must see !

16. 2015-03-02
    status Pending 998-char remark

    Show marketing remark (998 chars)

    PRICE REDUCED !! SOLID VALUE AND GREAT HOME ALL IN ONE! Fresh paint inside and out, ceramic flooring through-out, neat and clean make this property MOVE IN READY ! Nice size kitchen with loads of cabinets and double stainless steel sink. The floor plan has an easy and convenient flow. A huge screened lanai area for entertaining "Florida Style" including a soothing Hot Tub/Spa. The His & Hers outbuildings are fantastic! One is 7'x16', is air conditioned and used as a Craft Room. The other 7'x12' for plenty of his big boy toys and tools. The back yard is completely fenced and feels like your own private park or gentleman's farm with loads of fruit trees and vegetable garden. Nothing beats home grown! Improvements like NEW Storm Shutters, Hurricane Rated Garage Door and Automatic Opener, Ceiling Fans, Water Softener, Low Flush Toilets, and Security System to name a few. If Bang for the buck and a place to call home sweet home is what you seek. . This one is a must see !

17. 2015-02-18
    status Active 998-char remark

    Show marketing remark (998 chars)

    PRICE REDUCED !! SOLID VALUE AND GREAT HOME ALL IN ONE! Fresh paint inside and out, ceramic flooring through-out, neat and clean make this property MOVE IN READY ! Nice size kitchen with loads of cabinets and double stainless steel sink. The floor plan has an easy and convenient flow. A huge screened lanai area for entertaining "Florida Style" including a soothing Hot Tub/Spa. The His & Hers outbuildings are fantastic! One is 7'x16', is air conditioned and used as a Craft Room. The other 7'x12' for plenty of his big boy toys and tools. The back yard is completely fenced and feels like your own private park or gentleman's farm with loads of fruit trees and vegetable garden. Nothing beats home grown! Improvements like NEW Storm Shutters, Hurricane Rated Garage Door and Automatic Opener, Ceiling Fans, Water Softener, Low Flush Toilets, and Security System to name a few. If Bang for the buck and a place to call home sweet home is what you seek. . This one is a must see !

18. 2015-02-06
    historical Active with Contract 998-char remark

    Show marketing remark (998 chars)

    PRICE REDUCED !! SOLID VALUE AND GREAT HOME ALL IN ONE! Fresh paint inside and out, ceramic flooring through-out, neat and clean make this property MOVE IN READY ! Nice size kitchen with loads of cabinets and double stainless steel sink. The floor plan has an easy and convenient flow. A huge screened lanai area for entertaining "Florida Style" including a soothing Hot Tub/Spa. The His & Hers outbuildings are fantastic! One is 7'x16', is air conditioned and used as a Craft Room. The other 7'x12' for plenty of his big boy toys and tools. The back yard is completely fenced and feels like your own private park or gentleman's farm with loads of fruit trees and vegetable garden. Nothing beats home grown! Improvements like NEW Storm Shutters, Hurricane Rated Garage Door and Automatic Opener, Ceiling Fans, Water Softener, Low Flush Toilets, and Security System to name a few. If Bang for the buck and a place to call home sweet home is what you seek. . This one is a must see !

19. 2015-01-12
    price $114,900 998-char remark

    Show marketing remark (998 chars)

    PRICE REDUCED !! SOLID VALUE AND GREAT HOME ALL IN ONE! Fresh paint inside and out, ceramic flooring through-out, neat and clean make this property MOVE IN READY ! Nice size kitchen with loads of cabinets and double stainless steel sink. The floor plan has an easy and convenient flow. A huge screened lanai area for entertaining "Florida Style" including a soothing Hot Tub/Spa. The His & Hers outbuildings are fantastic! One is 7'x16', is air conditioned and used as a Craft Room. The other 7'x12' for plenty of his big boy toys and tools. The back yard is completely fenced and feels like your own private park or gentleman's farm with loads of fruit trees and vegetable garden. Nothing beats home grown! Improvements like NEW Storm Shutters, Hurricane Rated Garage Door and Automatic Opener, Ceiling Fans, Water Softener, Low Flush Toilets, and Security System to name a few. If Bang for the buck and a place to call home sweet home is what you seek. . This one is a must see !

20. 2014-11-16
    listed $119,900 Active 998-char remark

    Show marketing remark (998 chars)

    PRICE REDUCED !! SOLID VALUE AND GREAT HOME ALL IN ONE! Fresh paint inside and out, ceramic flooring through-out, neat and clean make this property MOVE IN READY ! Nice size kitchen with loads of cabinets and double stainless steel sink. The floor plan has an easy and convenient flow. A huge screened lanai area for entertaining "Florida Style" including a soothing Hot Tub/Spa. The His & Hers outbuildings are fantastic! One is 7'x16', is air conditioned and used as a Craft Room. The other 7'x12' for plenty of his big boy toys and tools. The back yard is completely fenced and feels like your own private park or gentleman's farm with loads of fruit trees and vegetable garden. Nothing beats home grown! Improvements like NEW Storm Shutters, Hurricane Rated Garage Door and Automatic Opener, Ceiling Fans, Water Softener, Low Flush Toilets, and Security System to name a few. If Bang for the buck and a place to call home sweet home is what you seek. . This one is a must see !

21. 2014-11-14
    historical
22. 2014-09-29
    listed $119,900 Active
23. 2011-04-14
    soldstatus $51,000
24. 2011-03-10
    listed $49,900
25. 2004-10-12
    soldstatus $115,000
26. 1993-11-10
    soldstatus $50,500
27. 1978-03-01
    soldstatus $38,300

ⓘ 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: $4,023 · $335/mo
• Projected year-2 tax: $4,023 · $335/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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 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

Taxation est. · year 1

• Rental income: $32,017
• − Mortgage interest: −$7,982
• − Property taxes: −$4,023
• − Insurance: −$5,831
• − Repairs & maintenance: −$2,561
• − Management: −$2,561
• − Depreciation: −$4,145
• Taxable income: $4,913
• Est. tax owed @ 24.0%: −$1,179
• After-tax cash flow: $5,293/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 — Port Charlotte

• Score: 65/100
• State rank: #655
• US rank: #13081

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Charlotte, FL
• County: Charlotte County · 196,994 people
• City population: 102,180
• Metro: Punta Gorda, FL
• Population (ZIP): 18,696
• Household income: $62,744
• Rent vs Own: 13.8% rent · 86.2% own
• Severe rent burden: 501.0

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 (79%)
• Race & ethnicity: White 79% Two or more races 8% Black 7% Hispanic / Latino 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Lithuanian 5% Romanian 4% Iranian 2%
• Foreign-born: 11% · Canada
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 2% 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: ▼ -55.31%
• Current HPI: 315.0548
• Rent YoY: ▼ -1.63%
• 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

+272.1% since first listed

27 events — show timeline

• 2026-04-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-21 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-30 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-09 Listed $142,500 Stellar MLS as Distributed by MLS Grid
• 2017-06-27 Sold (Public Records) $147,000 Public Records
• 2017-06-24 Sold (MLS) $147,000 Stellar MLS as Distributed by MLS Grid
• 2017-05-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-04-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-04-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-04-14 Listed $147,000 Stellar MLS as Distributed by MLS Grid
• 2015-03-27 Sold (Public Records) $105,000 Public Records
• 2015-03-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-03-25 Sold (MLS) $105,000 Stellar MLS as Distributed by MLS Grid
• 2015-03-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-02-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2015-02-06 Contingent — Stellar MLS as Distributed by MLS Grid
• 2015-01-12 Price Changed $114,900 Stellar MLS as Distributed by MLS Grid
• 2014-11-16 Listed $119,900 Stellar MLS as Distributed by MLS Grid
• 2014-11-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-09-29 Listed $119,900 Stellar MLS as Distributed by MLS Grid
• 2011-04-14 Sold (MLS) $51,000 Stellar MLS as Distributed by MLS Grid
• 2011-03-10 Listed $49,900 Stellar MLS as Distributed by MLS Grid
• 2004-10-12 Sold (Public Records) $115,000 Public Records
• 1993-11-10 Sold (Public Records) $50,500 Public Records
• 1978-03-01 Sold (Public Records) $38,300 Public Records

Property tax history

+14.6%/yr

Latest (2025): $4,023 · -3.6% YoY. Source: county tax records.