641 12th Ave S #641 · Naples, FL 34102

$399,900

2 bd · 1.5 ba · 1,041 sqft · Condo public records · 190 Days on market

Built 1967 $667/mo HOA · 13% 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 +25.7/30.0
• DSCR +8.6/10.0
• 1% rule +7.7/10.0
• ARV discount +7.5/15.0
• Appreciation +7.0/10.0
• Schools +5.0/10.0
• Rent growth +4.7/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

ONE OF THE LARGEST 2 BEDROOM UNITS IN VILLAGE GREEN. BOASTING IMPACT WINDOWS IN 2020, HUGE MASTER BEDROOM AND LANAI, BATH AND A HALF, PORCELAIN TILE THROUGHOUT, & QUARTZ COUNTER-TOPS. MOVE IN READY. BUILDING HAS RECENTLY UNDERGONE A TOTAL UPDATE WITH A PAVER COURTYARD, LANDSCAPING, ROOF, PAINT, AND LIGHTING. VILLAGE GREEN IS A VERY SOCIAL COMMUNITY WITH A POOL, SHUFFLEBOARD COURTS, BOCCE BALL COURT, CLUBHOUSE, LIBRARY WITH ONLINE COMPUTERS, A WORKSHOP WITH POWER TOOLS FOR THOSE DO IT YOURSELFERS, AND ENDLESS FUN AND ACTIVITIES IN SEASON. IN THE HEART OF OLD NAPLES, WALK TO THE BEACH, 3RD STREET SHOPS AND DINING, THE PIER, 5TH AVE, OR THE CITY DOCK. NO LAND LEASE! THIS ONE IS TRULY A MUST SEE!!! 55 PLUS BUILDING

Key facts

• Updated bathrooms
• Tile flooring
• Updated kitchen

Tags

• TILE FLOORING
• IMPACT WINDOWS
• UPDATED BATHROOMS
• UPDATED KITCHEN
• GENEROUS CLOSET SPACE
• SITTING AREA

Property features AI

Finance

• Other: Part of a large complex with 313 units (42 units in the building); Single-floor unit within the building; Deeded restrictions
• Financial info: Condo fee listed as $2,000 (quarterly); Total annual recurring fees listed as $8,000; One-time fees listed as $150
• HOA & community: Quarterly condo fee; Professional management; Community amenities include clubhouse, community pool, community room, BBQ/picnic area, bocce court, shuffleboard, library, bike storage, sidewalks, extra storage, and internet access; Maintenance covered: insurance, irrigation water, laundry facilities maintenance, lawn/land maintenance, pest control (interior and exterior), sewer, trash removal, water, recreation facilities, reserves, legal/accounting, manager, master association fee included

Exterior

• Parking: 1 assigned parking space
• Security: Impact-resistant windows and doors
• Utilities: Central water; Central sewer
• Home design: Residential property; Low-rise building (1–3 stories); Traditional style; Rear exposure facing south
• Construction: Concrete block construction; Stucco exterior; Shingle roof; Originally built in 1967
• Exterior features: Private courtyard; Automatic sprinkler system; Extra storage

Interior

• Kitchen: Range; Microwave; Refrigerator; Garbage disposal
• Bedrooms: 2 bedrooms; Primary bedroom on the first floor
• Flooring: Tile flooring
• Bathrooms: 1 full bathroom; 1 half bathroom; Master bath with shower only
• Heating & cooling: Central electric heat; Central electric air conditioning; Ceiling fans
• Interior features: Cable prewire; High-speed internet available; Smoke detectors; Great room floor plan; Dining area within the living space; Den / study; Unfurnished
• Laundry & utility: Common laundry (community laundry facilities)

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath condo listed at $400k.

Deal economics

• At list price, monthly cash flow is $536 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $400k).
• Recommended offer: $352k (12.0% below list) — sets the bar for market timing.

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.
• Market conditions: Rents rising fast (+8.8%/yr); 614 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 $5,066/mo this rent would consume 46% of the median local household income ($131k/yr) (locally 333% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $19k of equity ($3k loan paydown + $16k appreciation (4.1% local appreciation)).
• Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (4.1% appreciation + 8.0% rent growth), your $112k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 190 days — a 12% lower offer ($352k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 16y ago; this cycle's ask has dropped $35k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: 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→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $351,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 190 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1967 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. 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?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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.
10. 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.
11. 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: 1.27% ✓
• Cap rate: 9.18%
• Cash-on-cash: 10.31%
• DSCR: 1.46
• GRM: 6.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

4.08% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 19.0%
• Equity multiple: 2.19×
• Total profit: $132,971
• Equity at exit: $204,710

10-year hold

• IRR: 22.4%
• Equity multiple: 5.01×
• Total profit: $448,576
• Equity at exit: $336,388

Cash invested: $111,972 (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 34102

• Home prices YoY: 1.3%
• Rents YoY: 8.8%
• Active inventory: 614
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $5,066 medium
• Mortgage (P&I): −$2,097
• Tax from tax record: −$109 /mo · $1,308/yr
• Insurance: −$167
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$667
• Vacancy / Maint / Mgmt: −$1,064
• Net cashflow: $536

Break-even live

Break-even rent $4,388

Max offer price $399,900

Occupancy floor 84%

Sensitivity live

Price	-10% $762	-5% $649	+0% $536	+5% $422	+10% $309
Rent	-10% $135	-5% $336	+0% $536	+5% $736	+10% $936
Rate	-1.0pp $737	-0.5pp $637	base $536	+0.5pp $432	+1.0pp $327

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: $99,975
• Closing costs: $11,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
636 Broad Ave S Unit 1259386P Naples, FL	2.0	2.0	882	$4,307	$4.88	14d	1	0.02mi
609 12th Ave S #609 Naples, FL	2.0	2.0	860	$8,000	$9.30	24d	1	0.02mi
1155 6th St S Naples, FL	3.0	2.0	1384	$16,000	$11.56	24d	1	0.08mi
546 Broad Ave S #546 Naples, FL	2.0	2.0	890	$4,800	$5.39	24d	1	0.10mi
473 12th Ave S Naples, FL	1.0–2.0	1.0–2.0	700	$7,200	$10.29	24d	2	0.16mi
1100 9th St S Unit E101 Naples, FL	2.0	2.0	1450	$3,000	$2.07	24d	1	0.18mi
421 12th Ave S Unit A1 Naples, FL	2.0	1.0	760	$6,400	$8.42	14d	1	0.20mi
722 10th Ave S Unit A201 Naples, FL	2.0	2.0	1166	$10,000	$8.58	24d	1	0.20mi
404 Broad Ave S Unit H404 Naples, FL	2.0	2.0	890	$9,995	$11.23	24d	1	0.20mi
651 10th Ave S Unit C651 Naples, FL	2.0	2.0	1241	$12,000	$9.67	24d	1	0.23mi
802 10th Ave S #802 Naples, FL	2.0	2.0	1480	$10,000	$6.76	24d	1	0.24mi
1051 3rd St S #301 Naples, FL	2.0	2.0	1256	$7,000	$5.57	24d	1	0.32mi
271 Broad Ave S Unit 202 Naples, FL	2.0	2.0	1500	$12,500	$8.33	24d	1	0.35mi
271 Broad Ave S Unit 203 Naples, FL	2.0	2.0	1400	$11,000	$7.86	24d	1	0.35mi
900 8th Ave S #105 Naples, FL	2.0	2.0	1142	$5,000	$4.38	24d	1	0.42mi
940 3rd St S Naples, FL	1.0–2.0	1.0–2.0	870	$3,995	$4.59	24d	2	0.42mi
1222 Gordon Dr Unit O-15 Naples, FL	2.0	2.5	1200	$6,000	$5.00	24d	1	0.43mi
1222 Gordon Dr Naples, FL	2.0	2.5	1200	$14,250	$11.88	24d	2	0.43mi
351 8th Ave S #351 Naples, FL	2.0	2.0	930	$4,000	$4.30	24d	1	0.47mi
1100 8th Ave S Naples, FL	2.0	2.0	1218	$9,000	$7.39	14d	5	0.54mi
250 7th Ave S #301 Naples, FL	2.0	2.0	1000	$10,000	$10.00	24d	1	0.54mi
666 3rd St S Naples, FL	1.0–2.0	1.0–2.0	932	$8,000	$8.58	14d	2	0.56mi
780 5th Ave S #302 Naples, FL	2.0	2.5	1449	$15,000	$10.35	14d	1	0.57mi
1120 Little Neck Ct Unit E40 Naples, FL	3.0	2.0	1400	$2,999	$2.14	24d	1	0.60mi
301 6th Ave S Unit D Naples, FL	2.0	2.0	1300	$3,950	$3.04	24d	1	0.60mi
1353 Pelican Ave Naples, FL	2.0	2.0	1203	$8,500	$7.07	24d	1	0.64mi
1376 Chesapeake Ave #2 Naples, FL	2.0	2.0	1218	$2,300	$1.89	24d	1	0.65mi
365 5th Ave S #303 Naples, FL	2.0	2.0	1090	$13,000	$11.93	24d	1	0.66mi
805 River Point Dr Unit 307C Naples, FL	1.0	1.0	816	$2,700	$3.31	24d	1	0.69mi
388 4th Ave S #388 Naples, FL	2.0	2.0	965	$13,000	$13.47	24d	1	0.69mi
803 River Point Dr Unit 201B Naples, FL	1.0	1.0	715	$2,300	$3.22	24d	1	0.70mi
1395 Curlew Ave Unit 4-3 Naples, FL	2.0	2.0	975	$7,000	$7.18	24d	1	0.70mi
801 River Point Dr Unit 303A Naples, FL	1.0	1.0	815	$5,000	$6.13	22d	1	0.72mi
296 4th Ave S #296 Naples, FL	2.0	2.5	1120	$2,950	$2.63	22d	1	0.73mi
1165 Clam Ct #7 Naples, FL	2.0	2.5	1449	$2,900	$2.00	24d	1	0.73mi
175 5th Ave S Naples, FL	2.0	2.0	732	$14,000	$19.13	24d	2	0.74mi
1435 Curlew Ave #1 Naples, FL	2.0	2.0	975	$2,850	$2.92	22d	1	0.74mi
1435 Curlew Ave #1 Naples, FL	2.0	2.0	975	$2,850	$2.92	24d	1	0.74mi
1501 Chesapeake Ave Unit 1296210P Naples, FL	2.0	2.0	1377	$4,110	$2.98	14d	1	0.75mi
1186 Cherrystone Ct Naples, FL	2.0	2.0	1163	$1,995	$1.72	24d	1	0.76mi

HOA detail condo

• Monthly dues: $667 · $8,004/yr
• Likely covers: landscapingpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 25 events

1. 2026-06-18
   days on market $399,900 Active 190 DOM
2. 2026-06-17
   days on market $399,900 Active 189 DOM
3. 2026-06-16
   days on market $399,900 Active 188 DOM
4. 2026-06-15
   days on market $399,900 Active 187 DOM
5. 2026-06-10
   days on market $399,900 Active 182 DOM
6. 2026-06-09
   days on market $399,900 Active 181 DOM
7. 2026-06-08
   days on market $399,900 Active 180 DOM
8. 2026-06-07
   days on market $399,900 Active 179 DOM
9. 2026-06-03
   days on market $399,900 Active 175 DOM
10. 2026-06-02
    days on market $399,900 Active 174 DOM
11. 2026-06-01
    days on market $399,900 Active 173 DOM
12. 2026-05-31
    days on market $399,900 Active 172 DOM
13. 2026-05-30
    days on market $399,900 Active 171 DOM
14. 2026-03-21
    price $399,900
15. 2026-02-11
    price $420,000
16. 2025-12-10
    listed $435,000 Active
17. 2021-02-25
    soldstatus $399,500 Sold 733-char remark

    Show marketing remark (733 chars)

    ONE OF THE LARGEST 2 BEDROOM UNITS IN VILLAGE GREEN. BOASTING IMPACT WINDOWS IN 2020, HUGE MASTER BEDROOM AND LANAI, BATH AND A HALF, PORCELAIN TILE THROUGHOUT, & QUARTZ COUNTER-TOPS. MOVE IN READY. BUILDING HAS RECENTLY UNDERGONE A TOTAL UPDATE WITH A PAVER COURTYARD, LANDSCAPING, ROOF, PAINT, AND LIGHTING. VILLAGE GREEN IS A VERY SOCIAL COMMUNITY WITH A POOL, SHUFFLEBOARD COURTS, BOCCE BALL COURT, CLUBHOUSE, LIBRARY WITH ONLINE COMPUTERS, A WORKSHOP WITH POWER TOOLS FOR THOSE DO IT YOURSELFERS, AND ENDLESS FUN AND ACTIVITIES IN SEASON. IN THE HEART OF OLD NAPLES, WALK TO THE BEACH, 3RD STREET SHOPS AND DINING, THE PIER, 5TH AVE, OR THE CITY DOCK. NO LAND LEASE! THIS ONE IS TRULY A MUST SEE!!! 55 PLUS BUILDING

18. 2021-01-30
    status Pending 733-char remark

    Show marketing remark (733 chars)

    ONE OF THE LARGEST 2 BEDROOM UNITS IN VILLAGE GREEN. BOASTING IMPACT WINDOWS IN 2020, HUGE MASTER BEDROOM AND LANAI, BATH AND A HALF, PORCELAIN TILE THROUGHOUT, & QUARTZ COUNTER-TOPS. MOVE IN READY. BUILDING HAS RECENTLY UNDERGONE A TOTAL UPDATE WITH A PAVER COURTYARD, LANDSCAPING, ROOF, PAINT, AND LIGHTING. VILLAGE GREEN IS A VERY SOCIAL COMMUNITY WITH A POOL, SHUFFLEBOARD COURTS, BOCCE BALL COURT, CLUBHOUSE, LIBRARY WITH ONLINE COMPUTERS, A WORKSHOP WITH POWER TOOLS FOR THOSE DO IT YOURSELFERS, AND ENDLESS FUN AND ACTIVITIES IN SEASON. IN THE HEART OF OLD NAPLES, WALK TO THE BEACH, 3RD STREET SHOPS AND DINING, THE PIER, 5TH AVE, OR THE CITY DOCK. NO LAND LEASE! THIS ONE IS TRULY A MUST SEE!!! 55 PLUS BUILDING

19. 2021-01-28
    status Pending With Contingencies 733-char remark

    Show marketing remark (733 chars)

    ONE OF THE LARGEST 2 BEDROOM UNITS IN VILLAGE GREEN. BOASTING IMPACT WINDOWS IN 2020, HUGE MASTER BEDROOM AND LANAI, BATH AND A HALF, PORCELAIN TILE THROUGHOUT, & QUARTZ COUNTER-TOPS. MOVE IN READY. BUILDING HAS RECENTLY UNDERGONE A TOTAL UPDATE WITH A PAVER COURTYARD, LANDSCAPING, ROOF, PAINT, AND LIGHTING. VILLAGE GREEN IS A VERY SOCIAL COMMUNITY WITH A POOL, SHUFFLEBOARD COURTS, BOCCE BALL COURT, CLUBHOUSE, LIBRARY WITH ONLINE COMPUTERS, A WORKSHOP WITH POWER TOOLS FOR THOSE DO IT YOURSELFERS, AND ENDLESS FUN AND ACTIVITIES IN SEASON. IN THE HEART OF OLD NAPLES, WALK TO THE BEACH, 3RD STREET SHOPS AND DINING, THE PIER, 5TH AVE, OR THE CITY DOCK. NO LAND LEASE! THIS ONE IS TRULY A MUST SEE!!! 55 PLUS BUILDING

20. 2021-01-02
    listed $399,500 Active 733-char remark

    Show marketing remark (733 chars)

    ONE OF THE LARGEST 2 BEDROOM UNITS IN VILLAGE GREEN. BOASTING IMPACT WINDOWS IN 2020, HUGE MASTER BEDROOM AND LANAI, BATH AND A HALF, PORCELAIN TILE THROUGHOUT, & QUARTZ COUNTER-TOPS. MOVE IN READY. BUILDING HAS RECENTLY UNDERGONE A TOTAL UPDATE WITH A PAVER COURTYARD, LANDSCAPING, ROOF, PAINT, AND LIGHTING. VILLAGE GREEN IS A VERY SOCIAL COMMUNITY WITH A POOL, SHUFFLEBOARD COURTS, BOCCE BALL COURT, CLUBHOUSE, LIBRARY WITH ONLINE COMPUTERS, A WORKSHOP WITH POWER TOOLS FOR THOSE DO IT YOURSELFERS, AND ENDLESS FUN AND ACTIVITIES IN SEASON. IN THE HEART OF OLD NAPLES, WALK TO THE BEACH, 3RD STREET SHOPS AND DINING, THE PIER, 5TH AVE, OR THE CITY DOCK. NO LAND LEASE! THIS ONE IS TRULY A MUST SEE!!! 55 PLUS BUILDING

21. 2010-12-17
    soldstatus $166,000
22. 2010-12-14
    soldstatus $166,000 676-char remark

    Show marketing remark (676 chars)

    REDUCED, MOTIVATED SELLER!! THE EVERGLADES CLUB IS PART OF THE VILLAGE GREEN COMMUNITY NESTLED IN THE HEART OF OLDE NAPLES. WALK A FEW BLOCKS TO THE SPARKLING GULF WATERS AND PRISTINE BEACHES OR FISH FROM THE TOWN PIER. YOU CAN ALSO WALK TO THE THIRD STREET DISTRICT COMPLETE WITH BOUTIQUES, ART GALLERIES AND FINE RESTAURANTS. EVERGLADES OFFERS AMENITIES GALORE - COMMUNITY CLUBHOUSE COMPLETE WITH A LIBRARY AND BUSINESS CENTER, HEATED POOL, SHUFFLEBOARD, BOCCE AND PLENTY OF ACTIVITIES TO FILL YOUR DAYS AND NIGHTS. THIS SPACIOUS TWO BEDROOM CONDO IS IN A 55+ COMMUNITY WHICH OFFERS PEACE & QUIET AND A FABULOUS HIGHLY DESIRABLE LOCATION. DON'T DELAY - CALL TODAY!

23. 2010-08-18
    listed $190,000 676-char remark

    Show marketing remark (676 chars)

    REDUCED, MOTIVATED SELLER!! THE EVERGLADES CLUB IS PART OF THE VILLAGE GREEN COMMUNITY NESTLED IN THE HEART OF OLDE NAPLES. WALK A FEW BLOCKS TO THE SPARKLING GULF WATERS AND PRISTINE BEACHES OR FISH FROM THE TOWN PIER. YOU CAN ALSO WALK TO THE THIRD STREET DISTRICT COMPLETE WITH BOUTIQUES, ART GALLERIES AND FINE RESTAURANTS. EVERGLADES OFFERS AMENITIES GALORE - COMMUNITY CLUBHOUSE COMPLETE WITH A LIBRARY AND BUSINESS CENTER, HEATED POOL, SHUFFLEBOARD, BOCCE AND PLENTY OF ACTIVITIES TO FILL YOUR DAYS AND NIGHTS. THIS SPACIOUS TWO BEDROOM CONDO IS IN A 55+ COMMUNITY WHICH OFFERS PEACE & QUIET AND A FABULOUS HIGHLY DESIRABLE LOCATION. DON'T DELAY - CALL TODAY!

24. 1997-10-17
    soldstatus $88,500
25. 1993-09-02
    soldstatus $70,800

ⓘ 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: $1,308 · $109/mo
• Projected year-2 tax: $3,319 · $277/mo
• Expected delta: +$2,011/yr (+$168/mo · 153.7%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $60,789
• − Mortgage interest: −$22,401
• − Property taxes: −$1,308
• − Insurance: −$7,118
• − Repairs & maintenance: −$4,863
• − Management: −$4,863
• − HOA: −$8,004
• − Depreciation: −$11,633
• Taxable income: $598
• Est. tax owed @ 24.0%: −$144
• After-tax cash flow: $6,284/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

• Census place: Naples, FL
• County: Collier County · 396,295 people
• City population: 344,941
• Metro: Naples-Marco Island, FL
• Population (ZIP): 11,179
• Household income: $130,929
• Rent vs Own: 24.1% rent · 75.9% own
• Severe rent burden: 333.0

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 (79%)
• Race & ethnicity: White 79% Hispanic / Latino 9% Two or more races 8% Black 8% Asian 1%
• Hispanic origin (detail): Cuban 6%
• Common ancestry: Hispanic 4% Lithuanian 4% Romanian 4%
• Foreign-born: 17% · Canada, China
• Languages at home: 87% English-only · Spanish 7% 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: ▲ 4.08%
• Current HPI: 328.2755
• Rent YoY: ▲ 8.75%
• 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

+464.8% since first listed

12 events — show timeline

• 2026-03-21 Price Changed $399,900 NAPLESMLS
• 2026-02-11 Price Changed $420,000 NAPLESMLS
• 2025-12-10 Listed $435,000 NAPLESMLS
• 2021-02-25 Sold (MLS) $399,500 NAPLESMLS
• 2021-01-30 Pending — NAPLESMLS
• 2021-01-28 Pending — NAPLESMLS
• 2021-01-02 Listed $399,500 NAPLESMLS
• 2010-12-17 Sold (Public Records) $166,000 Public Records
• 2010-12-14 Sold (MLS) $166,000 NAPLESMLS
• 2010-08-18 Listed $190,000 NAPLESMLS
• 1997-10-17 Sold (Public Records) $88,500 Public Records
• 1993-09-02 Sold (Public Records) $70,800 Public Records

Property tax history

-4.9%/yr

Latest (2025): $1,308 · -64.1% YoY. Source: county tax records.