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55 Emerald Woods Dr Unit C4
A- Composite 82.5
Why this score? — see what drove the A- 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
  • ARV discount +14.9/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Schools +7.4/10.0
  • Rent growth +4.7/5.0
  • Livability +3.4/5.0
  • Condition / age +2.2/5.0
  • Appreciation +0.0/10.0

$250,000

55 Emerald Woods Dr Unit C4 · Pine Ridge, FL 34108
1 bd · 1.0 ba · 993 sqft · Condo public records · 521 Days on market
Built 1987 Fair condition $252/sqft · 16% below area Est $299k · 16% under $717/mo HOA · 17% of rent

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

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 KITCHENRENOVATED BATHROOMIN-UNIT WASHER AND DRYERCOMMUNITY POOLCLUBHOUSEMINUTES FROM BEACHES

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

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

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 3.7% 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-, amenities F, commute 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: Sea Gate Elementary School (math 86% / reading 81%, grade A+, #60 of 2,144 statewide, top 3%, 703 students, 26% FRL); Pine Ridge Middle School (math 74% / reading 70%, grade A, #52 of 571 statewide, top 10%, 832 students, 31% FRL); Barron Collier High School (math 62% / reading 68%, grade B, #76 of 667 statewide, top 11%, 1,650 students, 26% FRL) — zoned schools average 27% FRL vs 55% district-wide (28 pts lower); this property's tenant base skews higher-income than the district average.
  • Zoned-school proficiency averages 74% at this address vs 58% district-wide (+16 pts) — the actual schools serving this property are materially stronger than the Collier average implies; a family-tenant draw the district grade alone would hide.
  • Market conditions: Rents rising fast (+8.7%/yr); 704 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals lingering (median 73d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 521 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 521 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. 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?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. 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?
  8. 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.
  9. 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.
  10. 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

ARV (median comp)
$298,942
List price
$250,000
Delta
-16.37%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
7749 Jewel Ln #101 1.33mi 2/2.0 (+1) 1,022 (+3%) 1mo $268,000 $262 50
7774 Jewel Ln #203 1.36mi 2/2.0 (+1) 1,022 (+3%) 1mo $245,000 $240 50
7767 Jewel Ln #203 1.32mi 2/2.0 (+1) 1,022 (+3%) 2mo $315,000 $308 49
7774 Jewel Ln #103 1.36mi 2/2.0 (+1) 1,022 (+3%) 2mo $245,000 $240 49
7742 Emerald Cir Unit V203 1.41mi 2/2.0 (+1) 1,022 (+3%) 4mo $335,000 $328 48
7730 Jewel Ln #202 1.39mi 2/2.0 (+1) 1,022 (+3%) 4mo $289,000 $283 48
7725 Jewel Ln #202 1.36mi 2/2.0 (+1) 1,022 (+3%) 5mo $260,000 $254 47
800 102nd Ave N 1.42mi 2/1.0 (+1) 900 (-9%) 0mo $460,000 $511 44
750 95th Ave N 1.07mi 2/2.0 (+1) 1,102 (+11%) 0mo $760,000 $690 37
7750 Jewel Ln #103 1.38mi 2/2.0 (+1) 1,102 (+11%) 3mo $240,000 $218 35
876 Gulf Pavilion Dr #105 0.72mi 2/2.0 (+1) 1,179 (+19%) 2mo $435,000 $369 30
853 Tanbark Dr #103 0.75mi 2/2.0 (+1) 1,203 (+21%) 2mo $555,000 $461 29

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 · 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.

Active competition Active MLS

For sale now
1 active · 2 under contract
Median asking
$269,900 ($334/sqft)
Median days on market
147 d
This list price
lowest-priced of the active set
ARV vs active asking
-9.8% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34108

Rents YoY
8.7%
Active inventory
704
Price-to-rent
4.9×

Monthly cashflow live

Estimated rent
$4,236 high interval (Pro) →
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%

Sensitivity live

Price -10% $1,178 -5% $1,108 +0% $1,037 +5% $966 +10% $895
Rent -10% $702 -5% $870 +0% $1,037 +5% $1,204 +10% $1,372
Rate -1.0pp $1,163 -0.5pp $1,100 base $1,037 +0.5pp $972 +1.0pp $906

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

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 12 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
516 Gordonia Rd Naples, FL 2.0 1.0 1100 $3,200 $2.91 72d 1 0.61mi
9123 Strada Pl Naples, FL 1.0–2.0 1.0–2.0 1267 $5,000 $3.94 63d 6 0.67mi
200 Cajeput Dr Naples, FL 1.0 1.0 750 $2,500 $3.33 72d 1 0.70mi
757 95th Ave N Naples, FL 2.0 2.0 1100 $2,150 $1.95 72d 1 1.12mi
301 Ridge Dr Naples, FL 2.0 2.0 900 $6,000 $6.67 72d 1 1.23mi
668 97th Ave N Unit A Naples, FL 2.0 1.0 775 $4,500 $5.81 72d 1 1.32mi
7719 Jewel Ln #103 Naples, FL 2.0 2.0 1022 $3,800 $3.72 72d 1 1.35mi
7756 Jewel Ln #102 Naples, FL 2.0 2.0 1022 $3,700 $3.62 72d 1 1.36mi
7750 Jewel Ln #103 Naples, FL 2.0 2.0 1102 $2,100 $1.91 63d 1 1.36mi
7712 Jewel Ln Naples, FL 2.0 2.0 1022 $1,850 $1.81 72d 1 1.39mi
751 100th Ave N Naples, FL 2.0 1.0 912 $4,000 $4.39 72d 1 1.41mi
7754 Emerald Cir Unit T202 Naples, FL 2.0 2.0 1022 $3,850 $3.77 63d 1 1.44mi

Property features AI

Finance

Other
Complex has 150 units; building has 12 units and 2 floorsTotal annual recurring HOA fees listed
HOA & community
Mandatory HOAQuarterly HOA feesHOA maintenance covers irrigation water, lawn/land maintenance, management and recreation facilitiesProfessional managementCommunity amenities include clubhouse, community pool and spa/hot tubNon-gated community (Emerald Woods / Pine Ridge development)

Exterior

Parking
Common and guest parking
Utilities
Central waterCentral sewerCable available
Home design
Residential low-rise (1–3 stories)Concrete block constructionStucco exteriorShingle roofBuilt in 1987Rear exposure faces northUnit/lot number 4
Construction
Concrete block constructionStucco finishShingle roofSingle-hung windows
Exterior features
PatioParking lot viewReclaimed irrigationPaved road accessZero lot line

Interior

Kitchen
PantryEat-in kitchenDishwasherDisposalMicrowaveRangeRefrigerator/Freezer
Bedrooms
1 bedroom — Master bedroom upstairs
Flooring
CarpetWood
Bathrooms
1 full bathroom — master bath with shower only
Heating & cooling
Central electric heatCentral electric cooling
Interior features
Built-in cabinetsHigh-speed internet availableVolume ceilingsWindow coveringsLoftBalcony
Laundry & utility
Washer and dryer in residence

HOA detail $717/mo · $8,604/yr condo

Likely covers
pool
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 50 events

  1. 2026-08-08
    days on market $250,000 Active 521 DOM
  2. 2026-08-07
    days on market $250,000 Active 520 DOM
  3. 2026-08-06
    days on market $250,000 Active 519 DOM
  4. 2026-08-05
    days on market $250,000 Active 518 DOM
  5. 2026-08-04
    days on market $250,000 Active 517 DOM
  6. 2026-08-03
    days on market $250,000 Active 516 DOM
  7. 2026-07-31
    days on market $250,000 Active 513 DOM
  8. 2026-07-30
    days on market $250,000 Active 512 DOM
  9. 2026-07-29
    days on market $250,000 Active 511 DOM
  10. 2026-07-27
    days on market $250,000 Active 509 DOM
  11. 2026-07-25
    days on market $250,000 Active 507 DOM
  12. 2026-07-24
    days on market $250,000 Active 506 DOM
  13. 2026-07-23
    days on market $250,000 Active 505 DOM
  14. 2026-07-22
    days on market $250,000 Active 504 DOM
  15. 2026-07-22
    days on market $250,000 Active 503 DOM
  16. 2026-07-18
    days on market $250,000 Active 500 DOM
  17. 2026-07-16
    days on market $250,000 Active 498 DOM
  18. 2026-07-16
    days on market $250,000 Active 497 DOM
  19. 2026-07-14
    days on market $250,000 Active 496 DOM
  20. 2026-07-14
    days on market $250,000 Active 495 DOM
  21. 2026-07-12
    days on market $250,000 Active 494 DOM
  22. 2026-07-11
    days on market $250,000 Active 493 DOM
  23. 2026-07-09
    days on market $250,000 Active 491 DOM
  24. 2026-07-08
    days on market $250,000 Active 490 DOM
  25. 2026-07-07
    days on market $250,000 Active 489 DOM
  26. 2026-07-06
    days on market $250,000 Active 488 DOM
  27. 2026-07-05
    days on market $250,000 Active 487 DOM
  28. 2026-07-04
    days on market $250,000 Active 486 DOM
  29. 2026-07-02
    days on market $250,000 Active 484 DOM
  30. 2026-07-01
    days on market $250,000 Active 483 DOM
  31. 2026-06-30
    days on market $250,000 Active 482 DOM
  32. 2026-06-29
    days on market $250,000 Active 481 DOM
  33. 2026-06-28
    days on market $250,000 Active 480 DOM
  34. 2026-06-27
    days on market $250,000 Active 478 DOM
  35. 2026-06-25
    days on market $250,000 Active 476 DOM
  36. 2026-06-23
    days on market $250,000 Active 474 DOM
  37. 2026-06-22
    days on market $250,000 Active 473 DOM
  38. 2026-06-18
    days on market $250,000 Active 470 DOM
  39. 2026-06-17
    days on market $250,000 Active 469 DOM
  40. 2026-06-16
    days on market $250,000 Active 468 DOM
  41. 2026-06-15
    days on market $250,000 Active 467 DOM
  42. 2026-06-10
    days on market $250,000 Active 462 DOM
  43. 2026-06-09
    days on market $250,000 Active 461 DOM
  44. 2026-06-08
    days on market $250,000 Active 460 DOM
  45. 2026-06-07
    days on market $250,000 Active 459 DOM
  46. 2026-06-02
    days on market $250,000 Active 454 DOM
  47. 2026-06-01
    days on market $250,000 Active 453 DOM
  48. 2026-05-31
    days on market $250,000 Active 452 DOM
  49. 2026-05-30
    days on market $250,000 Active 451 DOM
  50. 2026-05-22
    price $250,000

ⓘ 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
$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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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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
combined federal + state — saved on this device
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.

Condition & rehab AI · 9 photos

Fair 45/100 Moderate rehab Est. rehab $24,825–$44,685 screening

This townhouse in Pine Ridge, Naples, has good condition and is ready for minor updates to enhance its resale and rental value.

Components & finishes AI

Roof asphalt shingle · good

Repairs flagged

  • Minor Painting — Painting the exterior and interior walls would improve the home's appearance.
  • Minor Landscaping — Pruning and trimming the landscaping would enhance curb appeal.

Value-add opportunities

  • Resale Painting the exterior and interior walls — Fresh paint would make the home more appealing to potential buyers.
  • Rental Pruning and trimming the landscaping — Well-maintained landscaping would attract tenants and improve curb appeal.

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

B Composite school gradezoned avg 74/100

Zoned Schools

Elementary Sea Gate Elementary School A+ FL #60/2,144 Nat'l #736/41,679 Middle Pine Ridge Middle School A FL #52/571 Nat'l #685/14,009 High Barron Collier High School B FL #76/667 Nat'l #2,785/17,239

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
C Composite livability gradescore 67/100

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 · 420,858 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
15% of renters

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

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.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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