630 109th Ave N · Naples Park, FL 34108

$734,900

3 bd · 2.0 ba · 1,728 sqft · SingleFamily public records · 43 Days on market

Built 1959 6,534 sqft lot

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Why this score? — see what drove the C+ 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 +24.9/30.0
• DSCR +8.1/10.0
• ARV discount +7.5/15.0
• 1% rule +5.7/10.0
• Schools +5.0/10.0
• Rent growth +4.7/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This quaint home in the desirable Naples Park area is ready and waiting for your remodeling touches. This home features three bedrooms and two bathrooms. The open kitchen area leads out to a screened in lanai. The backyard is fenced in and has beautiful mature landscaping. Close to the beach as well as shopping and restaurants.

Key facts

• Contemporary kitchen
• Spacious patio
• 6,534 sq ft lot

Tags

• NAPLES PARK COMMUNITY
• CONTEMPORARY KITCHEN
• FULLY REMODELED BATHS
• PRIVATE FENCED BACKYARD
• SPACIOUS PATIO
• QUICK ACCESS TO BEACHES

Property features AI

Finance

• Other: Property located in Naples Park development; Lot is approximately 0.15 acres (regular-shaped lot); Landscaped view
• HOA & community: Non-gated community; No HOA maintenance or amenities

Exterior

• Parking: Attached 2-car garage; Auto garage door
• Security: Manual storm shutters
• Utilities: Central water; Central sewer; Cable available
• Home design: Single-family home; 1-story ranch; Rear of home faces south
• Construction: Concrete block construction; Stucco exterior; Shingle roof; Built in 1959
• Exterior features: Fenced yard; Automatic sprinkler system (well)

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator/Freezer
• Bedrooms: 3 bedrooms
• Flooring: Laminate flooring
• Bathrooms: 2 full bathrooms; Master bath with shower (no tub)
• Heating & cooling: Central electric heat; Central electric air conditioning; Ceiling fans
• Interior features: Cable prewired; High-speed internet available; Laundry tub; Window coverings; Breakfast bar and dining in living area; Split-bedroom floor plan; Furnished
• Laundry & utility: Washer and dryer included; Laundry in residence

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $735k.

Deal economics

• At list price, monthly cash flow is $2k ($19k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($8k rent vs $735k).
• Recommended offer: $713k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#696 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A-, employment B+; Watch: health & safety D, 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; 40 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).
• At $7,891/mo this rent would consume 79% of the median local household income ($119k/yr) (locally 237% 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 $5k of loan paydown is wiped out by about $22k 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 $206k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($713k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 8y 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 $279k; list at $735k implies a 163% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→31/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $712,853 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 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 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 1.07% ✓
• Cap rate: 8.88%
• Cash-on-cash: 9.22%
• DSCR: 1.41
• GRM: 7.8

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: 2.8%
• Equity multiple: 1.11×
• Total profit: $23,207
• Equity at exit: $109,576

10-year hold

• IRR: 16.5%
• Equity multiple: 2.65×
• Total profit: $339,134
• Equity at exit: $63,541

Cash invested: $205,772 (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: 7.8×

Monthly cashflow live

• Estimated rent: $7,891 high
• Mortgage (P&I): −$3,854
• Tax from tax record: −$492 /mo · $5,902/yr
• Insurance: −$306
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,657
• Net cashflow: $1,582

Break-even live

Break-even rent $5,889

Max offer price $734,900

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: $183,725
• Closing costs: $22,047
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
625 107th Ave N Unit 1534807P Naples, FL	4.0	2.5	2012	$8,779	$4.36	23d	1	0.07mi
669 107th Ave N Unit 1504183P Naples, FL	3.0	2.0	1614	$3,571	$2.21	23d	1	0.10mi
673 107th Ave N Naples, FL	3.0	2.0	1428	$3,850	$2.70	23d	1	0.11mi
685 107th Ave N Unit 1504184P Naples, FL	4.0	3.0	2238	$8,819	$3.94	21d	1	0.13mi
663 110th Ave N Naples, FL	4.0	3.0	1936	$8,500	$4.39	23d	1	0.13mi
663 106th Ave N Unit 1504161P Naples, FL	3.0	2.0	1539	$7,887	$5.12	14d	1	0.14mi
610 111th Ave N Unit 1534774P Naples, FL	4.0	2.5	1905	$6,664	$3.50	14d	1	0.16mi
593 106th Ave N Naples, FL	3.0	2.0	1800	$9,000	$5.00	23d	1	0.17mi
612 106th Ave N Unit 1073496P Naples, FL	3.0	2.0	1550	$6,772	$4.37	14d	1	0.17mi
602 111th Ave N Naples, FL	2.0	2.0	1104	$4,000	$3.62	23d	1	0.17mi
698 107th Ave N Naples, FL	4.0	3.0	1487	$3,800	$2.56	23d	1	0.18mi
564 109th Ave N Naples, FL	2.0	2.0	1080	$16,000	$14.81	23d	1	0.19mi
712 108th Ave N Naples, FL	3.0	3.0	1997	$12,500	$6.26	23d	1	0.20mi
692 106th Ave N Unit 1387168P Naples, FL	3.0	3.0	1356	$6,573	$4.85	14d	1	0.21mi
630 105th Ave N Naples, FL	4.0	2.0	2119	$3,950	$1.86	23d	1	0.23mi
706 111th Ave N Naples, FL	2.0	2.0	1080	$1,850	$1.71	23d	1	0.23mi
724 108th Ave N Unit 1073495P Naples, FL	3.0	2.0	1151	$4,915	$4.27	14d	1	0.23mi
693 105th Ave N Naples, FL	4.0	3.0	2014	$10,500	$5.21	23d	1	0.23mi
530 108th Ave N Naples, FL	3.0	2.0	1350	$15,000	$11.11	23d	1	0.27mi
572 105th Ave N Naples, FL	3.0	2.0	1485	$9,250	$6.23	23d	1	0.28mi
744 110th Ave N Naples, FL	3.0	2.0	1596	$4,500	$2.82	23d	1	0.29mi
714 105th Ave N Naples, FL	3.0	2.0	1491	$4,150	$2.78	23d	1	0.30mi
552 105th Ave N Naples, FL	3.0	2.0	1614	$7,500	$4.65	23d	1	0.31mi
754 107th Ave N Naples, FL	3.0	2.5	1994	$5,790	$2.90	23d	1	0.31mi
518 110th Ave N Naples, FL	3.0	2.0	2180	$10,000	$4.59	23d	1	0.31mi
637 103rd Ave N Naples, FL	3.0	2.0	1669	$3,100	$1.86	23d	1	0.31mi
707 104th Ave N Naples, FL	3.0	2.0	1745	$14,500	$8.31	23d	1	0.31mi
645 103rd Ave N Unit 1534775P Naples, FL	4.0	2.0	1840	$8,513	$4.63	21d	1	0.32mi
749 105th Ave N Naples, FL	3.0	2.0	1394	$4,000	$2.87	23d	1	0.35mi
731 104th Ave N Naples, FL	2.0	2.0	1388	$12,000	$8.65	23d	1	0.35mi
510 106th Ave N Unit 1387169P Naples, FL	4.0	2.0	1646	$7,553	$4.59	14d	1	0.35mi
760 106th Ave N Naples, FL	3.0	2.0	1968	$12,000	$6.10	23d	1	0.36mi
792 108th Ave N Naples, FL	3.0	2.0	1446	$8,500	$5.88	23d	1	0.39mi
691 102nd Ave N Naples, FL	3.0	2.0	1311	$7,000	$5.34	23d	1	0.40mi
604 102nd Ave N Naples, FL	3.0	2.0	1197	$3,150	$2.63	14d	1	0.41mi
523 103rd Ave N Naples, FL	4.0	2.5	1974	$5,200	$2.63	23d	1	0.42mi
715 102nd Ave N Unit 1504167P Naples, FL	3.0	3.0	1991	$7,661	$3.85	14d	1	0.43mi
532 103rd Ave N Naples, FL	3.0	2.0	1326	$8,000	$6.03	23d	1	0.43mi
575 101st Ave N Naples, FL	4.0	2.0	1800	$12,500	$6.94	23d	1	0.46mi
521 102nd Ave N Naples, FL	3.0	2.0	1432	$5,000	$3.49	14d	1	0.46mi

Listing history 21 events

1. 2026-06-18
   days on market $734,900 Active 43 DOM
2. 2026-06-17
   days on market $734,900 Active 42 DOM
3. 2026-06-16
   days on market $734,900 Active 41 DOM
4. 2026-06-15
   days on market $734,900 Active 40 DOM
5. 2026-06-14
   days on market $734,900 Active 38 DOM
6. 2026-06-10
   days on market $734,900 Active 35 DOM
7. 2026-06-09
   days on market $734,900 Active 34 DOM
8. 2026-06-08
   days on market $734,900 Active 33 DOM
9. 2026-06-07
   days on market $734,900 Active 32 DOM
10. 2026-06-03
    days on market $734,900 Active 28 DOM
11. 2026-06-02
    days on market $734,900 Active 27 DOM
12. 2026-06-01
    days on market $734,900 Active 26 DOM
13. 2026-05-31
    days on market $734,900 Active 25 DOM
14. 2026-05-30
    days on market $734,900 Active 24 DOM
15. 2026-05-06
    listed $734,900 Active
16. 2018-11-13
    soldstatus $279,000 Sold 329-char remark

    Show marketing remark (329 chars)

    This quaint home in the desirable Naples Park area is ready and waiting for your remodeling touches. This home features three bedrooms and two bathrooms. The open kitchen area leads out to a screened in lanai. The backyard is fenced in and has beautiful mature landscaping. Close to the beach as well as shopping and restaurants.

17. 2018-11-13
    soldstatus $279,000

    Show marketing remark (329 chars)

    This quaint home in the desirable Naples Park area is ready and waiting for your remodeling touches. This home features three bedrooms and two bathrooms. The open kitchen area leads out to a screened in lanai. The backyard is fenced in and has beautiful mature landscaping. Close to the beach as well as shopping and restaurants.

18. 2018-10-12
    status Pending 329-char remark

    Show marketing remark (329 chars)

    This quaint home in the desirable Naples Park area is ready and waiting for your remodeling touches. This home features three bedrooms and two bathrooms. The open kitchen area leads out to a screened in lanai. The backyard is fenced in and has beautiful mature landscaping. Close to the beach as well as shopping and restaurants.

19. 2018-10-02
    price $279,000 329-char remark

    Show marketing remark (329 chars)

    This quaint home in the desirable Naples Park area is ready and waiting for your remodeling touches. This home features three bedrooms and two bathrooms. The open kitchen area leads out to a screened in lanai. The backyard is fenced in and has beautiful mature landscaping. Close to the beach as well as shopping and restaurants.

20. 2018-09-17
    listed $299,888 Active 329-char remark

    Show marketing remark (329 chars)

    This quaint home in the desirable Naples Park area is ready and waiting for your remodeling touches. This home features three bedrooms and two bathrooms. The open kitchen area leads out to a screened in lanai. The backyard is fenced in and has beautiful mature landscaping. Close to the beach as well as shopping and restaurants.

21. 1993-03-05
    soldstatus $96,000

ⓘ 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: $5,902 · $492/mo
• Projected year-2 tax: $6,100 · $508/mo
• Expected delta: +$198/yr (+$16/mo · 3.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (shaded) · 54% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 31 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $94,687
• − Mortgage interest: −$41,166
• − Property taxes: −$5,902
• − Insurance: −$3,674
• − Repairs & maintenance: −$7,575
• − Management: −$7,575
• − Depreciation: −$21,379
• Taxable income: $7,416
• Est. tax owed @ 24.0%: −$1,780
• After-tax cash flow: $17,200/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 Park

• Score: 64/100
• State rank: #696
• US rank: #14564

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Naples Park, FL
• County: Collier County · 396,295 people
• 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

+665.5% since first listed

7 events — show timeline

• 2026-05-06 Listed $734,900 NAPLESMLS
• 2018-11-13 Sold (Public Records) $279,000 Public Records
• 2018-11-13 Sold (MLS) $279,000 NAPLESMLS
• 2018-10-12 Pending — NAPLESMLS
• 2018-10-02 Price Changed $279,000 NAPLESMLS
• 2018-09-17 Listed $299,888 NAPLESMLS
• 1993-03-05 Sold (Public Records) $96,000 Public Records

Property tax history

+20.2%/yr

Latest (2025): $5,902 · +1.1% YoY. Source: county tax records.