55 Emerald Woods Dr Unit C4 · Pine Ridge, FL 34108

$250,000

1 bd · 1.0 ba · 993 sqft · Condo public records · 470 Days on market

Built 1987 $717/mo HOA · 17% of rent

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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 +5.0/10.0
• Rent growth +4.7/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

Key facts

• Renovated bathroom
• Clubhouse
• Minutes from beaches

Tags

• UPDATED KITCHEN
• RENOVATED BATHROOM
• IN-UNIT WASHER AND DRYER
• COMMUNITY POOL
• CLUBHOUSE
• MINUTES FROM BEACHES

Property features AI

Finance

• Other: Complex has 150 units; building has 12 units and 2 floors; Total annual recurring HOA fees listed
• HOA & community: Mandatory HOA; Quarterly HOA fees; HOA maintenance covers irrigation water, lawn/land maintenance, management and recreation facilities; Professional management; Community amenities include clubhouse, community pool and spa/hot tub; Non-gated community (Emerald Woods / Pine Ridge development)

Exterior

• Parking: Common and guest parking
• Utilities: Central water; Central sewer; Cable available
• Home design: Residential low-rise (1–3 stories); Concrete block construction; Stucco exterior; Shingle roof; Built in 1987; Rear exposure faces north; Unit/lot number 4
• Construction: Concrete block construction; Stucco finish; Shingle roof; Single-hung windows
• Exterior features: Patio; Parking lot view; Reclaimed irrigation; Paved road access; Zero lot line

Interior

• Kitchen: Pantry; Eat-in kitchen; Dishwasher; Disposal; Microwave; Range; Refrigerator/Freezer
• Bedrooms: 1 bedroom — Master bedroom upstairs
• Flooring: Carpet; Wood
• Bathrooms: 1 full bathroom — master bath with shower only
• Heating & cooling: Central electric heat; Central electric cooling
• Interior features: Built-in cabinets; High-speed internet available; Volume ceilings; Window coverings; Loft; Balcony
• Laundry & utility: Washer and dryer in residence

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $250k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $250k).
• Recommended offer: $220k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.3% vs local median 3.4% in Pine Ridge — 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 67/100 on livability (#565 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, cost of living A-; Watch: health & safety C-, schools F, amenities F.
• Collier (suburban): math 60% / reading 56% proficiency, ranked #16 of 73 in FL (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising fast (+8.7%/yr); 679 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• This rent runs 43% of the median local income ($119k/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 $8k 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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $70k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 470 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y ago; this cycle's ask has dropped $35k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→32/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $220,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 470 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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 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: 1.69% ✓
• Cap rate: 11.27%
• Cash-on-cash: 17.78%
• DSCR: 1.79
• GRM: 4.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 16.0%
• Equity multiple: 1.69×
• Total profit: $48,335
• Equity at exit: $37,276

10-year hold

• IRR: 28.6%
• Equity multiple: 4.30×
• Total profit: $230,716
• Equity at exit: $21,615

Cash invested: $70,000 (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 34108

• Rents YoY: 8.7%
• Active inventory: 679
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $4,236 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$177 /mo · $2,124/yr
• Insurance: −$104
• HOA: −$717
• Vacancy / Maint / Mgmt: −$889
• Net cashflow: $1,037

Break-even live

Break-even rent $2,923

Max offer price $250,000

Occupancy floor 71%

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
516 Gordonia Rd Naples, FL	2.0	1.0	1100	$3,200	$2.91	23d	1	0.61mi
9123 Strada Pl Naples, FL	1.0–2.0	1.0–2.0	1267	$5,000	$3.94	14d	6	0.67mi
200 Cajeput Dr Naples, FL	1.0	1.0	750	$2,500	$3.33	23d	1	0.70mi
757 95th Ave N Naples, FL	2.0	2.0	1100	$2,150	$1.95	23d	1	1.12mi
301 Ridge Dr Naples, FL	2.0	2.0	900	$6,000	$6.67	23d	1	1.23mi
668 97th Ave N Unit A Naples, FL	2.0	1.0	775	$4,500	$5.81	23d	1	1.32mi
7719 Jewel Ln #103 Naples, FL	2.0	2.0	1022	$3,800	$3.72	23d	1	1.35mi
7756 Jewel Ln #102 Naples, FL	2.0	2.0	1022	$3,700	$3.62	23d	1	1.36mi
7750 Jewel Ln #103 Naples, FL	2.0	2.0	1102	$2,100	$1.91	14d	1	1.36mi
7712 Jewel Ln Naples, FL	2.0	2.0	1022	$1,850	$1.81	23d	1	1.39mi
751 100th Ave N Naples, FL	2.0	1.0	912	$4,000	$4.39	23d	1	1.41mi
7754 Emerald Cir Unit T202 Naples, FL	2.0	2.0	1022	$3,850	$3.77	14d	1	1.44mi

HOA detail condo

• Monthly dues: $717 · $8,604/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 27 events

1. 2026-06-18
   days on market $250,000 Active 470 DOM
2. 2026-06-17
   days on market $250,000 Active 469 DOM
3. 2026-06-16
   days on market $250,000 Active 468 DOM
4. 2026-06-15
   days on market $250,000 Active 467 DOM
5. 2026-06-10
   days on market $250,000 Active 462 DOM
6. 2026-06-09
   days on market $250,000 Active 461 DOM
7. 2026-06-08
   days on market $250,000 Active 460 DOM
8. 2026-06-07
   days on market $250,000 Active 459 DOM
9. 2026-06-02
   days on market $250,000 Active 454 DOM
10. 2026-06-01
    days on market $250,000 Active 453 DOM
11. 2026-05-31
    days on market $250,000 Active 452 DOM
12. 2026-05-30
    days on market $250,000 Active 451 DOM
13. 2026-05-22
    price $250,000
14. 2025-05-31
    price $275,000
15. 2025-03-05
    listed $285,000 Active
16. 2024-09-24
    soldstatus $250,000 Sold 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

17. 2024-09-24
    soldstatus $250,000

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

18. 2024-09-17
    status Pending 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

19. 2024-09-05
    status Pending With Contingencies 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

20. 2024-08-28
    price $265,000 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

21. 2024-07-16
    price $275,000 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

22. 2024-06-03
    status Active 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

23. 2024-05-17
    status Pending With Contingencies 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

24. 2024-04-24
    price $285,000 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

25. 2024-04-04
    listed $305,000 Active 714-char remark

    Show marketing remark (714 chars)

    RARELY AVAILABLE UNIT and PRIME LOCATION! You can live in the prestigious Pine Ridge Estates and walk or bike to Vanderbilt Beach or to the many shops and restaurants in the area including Mercato. This unique condo has a loft which can be used as an office area, guest bedroom, or flex space for your hobbies. The high vaulted ceilings and windows provide lots of light and an open spacious living area. Enjoy relaxing on one of your two balconies or if you prefer the community pool and clubhouse which is across the street. This unit has stainless steel appliances, renovated bathroom, beautiful wood floors, and a roof that is only months old. Great opportunity for your place in paradise or for an investment.

26. 2016-04-13
    soldstatus $75,000
27. 1987-12-01
    soldstatus $59,900

ⓘ 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: $2,124 · $177/mo
• Projected year-2 tax: $2,124 · $177/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 3/10 Moderate FEMA zone X (unshaded) · 12% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 32 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: $50,826
• − Mortgage interest: −$14,004
• − Property taxes: −$2,124
• − Insurance: −$1,250
• − Repairs & maintenance: −$4,066
• − Management: −$4,066
• − HOA: −$8,604
• − Depreciation: −$7,273
• Taxable income: $9,440
• Est. tax owed @ 24.0%: −$2,266
• After-tax cash flow: $10,177/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 — Pine Ridge

• Score: 67/100
• State rank: #565
• US rank: #10798

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pine Ridge, FL
• County: Collier County · 396,295 people
• City population: 18,514
• Metro: Naples-Marco Island, FL
• Population (ZIP): 16,237
• Household income: $119,212
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 237.0

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 8% Two or more races 7% Asian 1% Black 1%
• Hispanic origin (detail): Mexican 2% Cuban 3%
• Common ancestry: Romanian 5% Lithuanian 3% Slovak 3%
• Foreign-born: 16% · Canada, Dominican Republic, South Korea
• Languages at home: 86% English-only · Spanish 6% Russian/Polish/Slavic 2% Other Indo-European 2%

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: ▼ -587.97%
• Current HPI: 275.1872
• Rent YoY: ▲ 8.74%
• Metro: Naples-Marco Island, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+317.4% since first listed

15 events — show timeline

• 2026-05-22 Price Changed $250,000 NAPLESMLS
• 2025-05-31 Price Changed $275,000 NAPLESMLS
• 2025-03-05 Listed $285,000 NAPLESMLS
• 2024-09-24 Sold (Public Records) $250,000 Public Records
• 2024-09-24 Sold (MLS) $250,000 NAPLESMLS
• 2024-09-17 Pending — NAPLESMLS
• 2024-09-05 Pending — NAPLESMLS
• 2024-08-28 Price Changed $265,000 NAPLESMLS
• 2024-07-16 Price Changed $275,000 NAPLESMLS
• 2024-06-03 Relisted — NAPLESMLS
• 2024-05-17 Pending — NAPLESMLS
• 2024-04-24 Price Changed $285,000 NAPLESMLS
• 2024-04-04 Listed $305,000 NAPLESMLS
• 2016-04-13 Sold (Public Records) $75,000 Public Records
• 1987-12-01 Sold (Public Records) $59,900 Public Records

Property tax history

+14.7%/yr

Latest (2025): $2,124 · +108.4% YoY. Source: county tax records.