577 Beachwalk Cir Unit R203 · Naples, FL
Flood risk 9/10 · Severe
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 6 days/yr
- Hot days in 30 yrs
- 25 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D 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).
- ARV discount +15.0/15.0
- Schools +6.7/10.0
- Cash flow +5.9/30.0
- Rent growth +4.7/5.0
- 1% rule +4.0/10.0
- Livability +4.0/5.0
- Condition / age +4.0/5.0
- DSCR +0.3/10.0
- Appreciation +0.0/10.0
$559,000
577 Beachwalk Cir Unit R203 · Naples, FL 34108
2 bd · 2.0 ba · 1,350 sqft · Condo
· 103 Days on market
Built 1987
$414/sqft
· 20% below area
Est $701k · 20% under
$1198/mo HOA · 24% of rent
↓ 7% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
This two-bedroom, two-bath unit is just blocks from the white sands of Vanderbilt Beach, enjoy beach mornings, sunset strolls and ease of walking or biking to the Gulf. Resort-level amenities include two heated pools, hot tub/spa, six lighted tennis courts, bocce courts, a well-equipped fitness room, lush landscaping and 24-hour manned gate. A smart second-floor layout with open living area, screened lanai (ideal for indoor/outdoor flow), vaulted ceilings, mature tropical landscaping, all of which amplify light, space and that vacation-every-day feel. Plus, a prime view of the lake and fountain.
Key facts
- Heated pools
- Hot tub spa
- Bocce courts
Tags
Neighborhood map
Sold within
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 2-bed/2.0-bath condo listed at $559k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-1k ($-14k/yr) — negative.
- To cash-flow at today's rent, offer at most $392k (29.9% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $503k (10.1% below list).
- Recommended offer: $392k (29.9% below list) — sets the bar for cash-flow.
- Cap rate 4.0% vs local median 2.4% in Naples — 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 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.
- Zoned schools: Naples Park Elementary School (math 67% / reading 57%, grade B, #608 of 2,144 statewide, top 29%, 395 students, 48% 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 35% FRL vs 55% district-wide (20 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents rising fast (+8.7%/yr); 704 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 63d 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).
- At $5,028/mo this rent would consume 51% of the median local household income ($119k/yr) — 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 $4k of loan paydown is wiped out by about $17k 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.
Negotiation context
- It's been on market 103 days — a 9% lower offer ($509k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: flood insurance adds $66/mo; HOA is 24% of rent.
- Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$391,747
(29.9% below list)
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 103 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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.
- 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.
- 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
- 0.90% ✗
- Cap rate
- 3.95%
- Cash-on-cash
- -8.35%
- DSCR
- 0.63
- GRM
- 9.3
CMA / ARV
- ARV (median comp)
- $701,054
- List price
- $559,000
- Delta
- -20.26%
- 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 |
|---|---|---|---|---|---|---|---|
| 793 91st Ave N | 0.57mi | 3/2.0 (+1) | 1,332 (-1%) | 0mo | $605,000 | $454 | 66 |
| 910 Vanderbilt Beach Rd #315 | 1.03mi | 2/2.0 | 1,386 (+3%) | 0mo | $307,000 | $222 | 60 |
| 640 110th Ave N | 1.21mi | 3/2.0 (+1) | 1,313 (-3%) | 1mo | $620,000 | $472 | 54 |
| 819 98th Ave N | 0.81mi | 3/2.0 (+1) | 1,287 (-5%) | 0mo | $500,000 | $389 | 52 |
| 750 95th Ave N | 0.54mi | 2/2.0 | 1,102 (-18%) | 0mo | $760,000 | $690 | 50 |
| 781 107th Ave | 1.17mi | 3/2.0 (+1) | 1,473 (+9%) | 1mo | $342,800 | $233 | 44 |
| 807 108th Ave N | 1.26mi | 3/2.0 (+1) | 1,512 (+12%) | 1mo | $610,000 | $403 | 39 |
| 595 101st Ave N | 0.68mi | 2/1.0 | 1,610 (+19%) | 2mo | $887,000 | $551 | 38 |
| 7049 Barrington Cir #101 | 1.13mi | 3/2.0 (+1) | 1,527 (+13%) | 1mo | $636,500 | $417 | 37 |
| 7100 Barrington Cir #101 | 1.04mi | 3/2.5 (+1) | 1,521 (+13%) | 0mo | $780,000 | $513 | 36 |
| 826 109th Ave N | 1.30mi | 3/2.0 (+1) | 1,170 (-13%) | 2mo | $550,000 | $470 | 36 |
| 7087 Barrington Cir #102 | 0.98mi | 3/2.0 (+1) | 1,634 (+21%) | 2mo | $850,000 | $520 | 34 |
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
- -24.2%
- Equity multiple
- 0.13×
- Total profit
- $-136,776
- Equity at exit
- $83,349
10-year hold
- IRR
- -7.0%
- Equity multiple
- 0.43×
- Total profit
- $-89,503
- Equity at exit
- $48,332
Cash invested: $156,520 (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
- 21 active · 7 under contract
- Median asking
- $650,000 ($459/sqft)
- Median days on market
- 130 d
- This list price
- 14% of active listings are priced below it
- ARV vs active asking
- +13.3% above 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
- 9.3×
Monthly cashflow live
↻
- Estimated rent
- $5,028 medium interval (Pro) →
- Mortgage (P&I)
- −$2,931
- Tax est. 1.5%
- −$699 /mo · $8,385/yr
- Insurance
- −$233
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$1,198
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$1,056
- Net cashflow
- $-1,156
Break-even live
Break-even rent
$6,491
Max offer price
$391,747
Occupancy floor
—
Sensitivity live
| Price | -10% $-770 | -5% $-963 | +0% $-1,156 | +5% $-1,349 | +10% $-1,542 |
|---|---|---|---|---|---|
| Rent | -10% $-1,553 | -5% $-1,354 | +0% $-1,156 | +5% $-957 | +10% $-759 |
| Rate | -1.0pp $-874 | -0.5pp $-1,014 | base $-1,156 | +0.5pp $-1,301 | +1.0pp $-1,448 |
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
- $139,750
- Closing costs
- $16,770
- Club membership (one-time)
- —
- 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 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 577 Beachwalk Cir Unit R202 Naples, FL | 2.0 | 2.0 | 1350 | $5,000 | $3.70 | 63d | 1 | 0.02mi |
| 589 Beachwalk Cir Unit P-203 Naples, FL | 2.0 | 2.0 | 1350 | $8,000 | $5.93 | 63d | 1 | 0.06mi |
| 607 Beachwalk Cir Unit K-204 Naples, FL | 3.0 | 2.0 | 1450 | $8,000 | $5.52 | 63d | 1 | 0.07mi |
| 613 Beachwalk Cir Unit J Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 63d | 1 | 0.07mi |
| 613 Beachwalk Cir Unit J-204 Naples, FL | 3.0 | 2.0 | 1450 | $8,500 | $5.86 | 63d | 1 | 0.07mi |
| 565 Beachwalk Cir Unit T104 Naples, FL | 3.0 | 2.0 | 1450 | $6,750 | $4.66 | 63d | 1 | 0.08mi |
| 565 Beachwalk Cir Unit T-102 Naples, FL | 2.0 | 2.0 | 1350 | $7,300 | $5.41 | 63d | 1 | 0.08mi |
| 592 Beachwalk Cir Unit N202 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.09mi |
| 586 Beachwalk Cir Unit O205 Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 72d | 1 | 0.10mi |
| 586 Beachwalk Cir Unit O-205 Naples, FL | 2.0 | 2.0 | 1350 | $7,800 | $5.78 | 63d | 1 | 0.10mi |
| 586 Beachwalk Cir Unit O-305 Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 63d | 1 | 0.10mi |
| 559 Beachwalk Cir Apt 203U Naples, FL | 2.0 | 2.0 | 1350 | $7,000 | $5.19 | 63d | 1 | 0.12mi |
| 559 Beachwalk Cir Unit U204 Naples, FL | 3.0 | 2.0 | 1472 | $7,500 | $5.10 | 63d | 1 | 0.12mi |
| 549 Beachwalk Cir Naples, FL | 2.0 | 2.0 | 1359 | $7,500 | $5.52 | 72d | 1 | 0.14mi |
| 631 Beachwalk Cir Unit F204 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.14mi |
| 9101 Vanderbilt Dr #203 Naples, FL | 2.0 | 2.0 | 1154 | $10,500 | $9.10 | 63d | 1 | 0.15mi |
| 9101 Vanderbilt Dr #304 Naples, FL | 2.0 | 2.0 | 1335 | $11,000 | $8.24 | 63d | 1 | 0.15mi |
| 522 Beachwalk Cir Naples, FL | 2.0 | 2.0 | 1359 | $6,000 | $4.42 | 72d | 1 | 0.16mi |
| 460 Launch Cir #301 Naples, FL | 3.0 | 2.0 | 1630 | $3,000 | $1.84 | 72d | 1 | 0.16mi |
| 450 Launch Cir #602 Naples, FL | 3.0 | 2.0 | 1480 | $14,000 | $9.46 | 72d | 1 | 0.17mi |
| 450 Launch Cir #404 Naples, FL | 3.0 | 2.0 | 1635 | $3,000 | $1.83 | 72d | 1 | 0.17mi |
| 470 Launch Cir Unit V-405 Naples, FL | 3.0 | 2.0 | 1639 | $14,000 | $8.54 | 63d | 1 | 0.19mi |
| 470 Launch Cir Unit V-604 Naples, FL | 3.0 | 2.0 | 1475 | $3,000 | $2.03 | 63d | 1 | 0.19mi |
| 470 Launch Cir Naples, FL | 3.0 | 2.0 | 1555 | $3,950 | $2.54 | 72d | 2 | 0.19mi |
| 470 Launch Cir Unit V301 Naples, FL | 3.0 | 2.0 | 1475 | $3,500 | $2.37 | 63d | 1 | 0.19mi |
| 595 93rd Ave N Naples, FL | 2.0 | 2.0 | 1374 | $5,000 | $3.64 | 72d | 1 | 0.20mi |
| 643 Beachwalk Cir Unit D-202 Naples, FL | 2.0 | 2.0 | 1350 | $5,950 | $4.41 | 63d | 1 | 0.20mi |
| 410 Flagship Dr #505 Naples, FL | 3.0 | 3.0 | 1860 | $4,000 | $2.15 | 72d | 1 | 0.21mi |
| 410 Flagship Dr #302 Naples, FL | 3.0 | 3.0 | 1839 | $14,500 | $7.88 | 72d | 1 | 0.21mi |
| 410 Flagship Dr #1105 Naples, FL | 3.0 | 3.0 | 1860 | $15,000 | $8.06 | 72d | 1 | 0.21mi |
| 410 Flagship Dr #605 Naples, FL | 3.0 | 3.0 | 1860 | $16,000 | $8.60 | 72d | 1 | 0.21mi |
| 649 Beachwalk Cir Unit C101 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.23mi |
| 661 Windsurf Ln Unit A-202 Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 63d | 1 | 0.24mi |
| 655 Windsurf Ln Unit 1546357P Naples, FL | 3.0 | 2.0 | 1442 | $3,376 | $2.34 | 63d | 1 | 0.24mi |
| 400 Flagship Dr #401 Naples, FL | 3.0 | 2.0 | 1734 | $13,500 | $7.79 | 63d | 1 | 0.26mi |
| 400 Flagship Dr #1206 Naples, FL | 3.0 | 3.0 | 1760 | $8,500 | $4.83 | 72d | 1 | 0.26mi |
| 400 Flagship Dr #604 Naples, FL | 3.0 | 3.0 | 1760 | $13,500 | $7.67 | 72d | 1 | 0.26mi |
| 400 Flagship Dr #505 Naples, FL | 3.0 | 3.0 | 1760 | $11,500 | $6.53 | 72d | 1 | 0.26mi |
| 400 Flagship Dr #501 Naples, FL | 3.0 | 2.0 | 1734 | $14,000 | $8.07 | 72d | 1 | 0.26mi |
| 400 Flagship Dr #1008 Naples, FL | 3.0 | 2.0 | 1734 | $10,000 | $5.77 | 72d | 1 | 0.26mi |
Property features AI
Finance
- Other
- Unit is one of 8 in the building and the complex has 356 unitsTwo units per floorPossession at closingLot unit: 203; total area recorded
- HOA & community
- Mandatory HOAQuarterly condo feeProfessional managementHOA maintenance covers cable, internet/WiFi, lawn/land maintenance, exterior pest control, recreation facilities, street maintenance, trash removal, and waterCommunity amenities include clubhouse, community pool, community spa/hot tub, exercise room, library, bocce court, tennis court, community room, and streetlightsCommunity type: Gated, TennisTotal annual recurring HOA fees listed
Exterior
- Parking
- Detached carport (1 carport space)
- Security
- Gated community
- Utilities
- Central waterCentral sewerCable available
- Home design
- Residential propertyLow rise (1-3) building2-story buildingRear exposure faces southLocated in BEACHWALK community (BEACHWALK GARDENS), unit 203
- Construction
- Concrete block constructionBuilt in 1987
- Exterior features
- DeckStucco exteriorTile roofSingle hung windowsCorner lotLake view / lake waterfrontCentral irrigation
Interior
- Kitchen
- DishwasherRangeMicrowaveRefrigerator/FreezerPantryEat-in kitchen
- Bedrooms
- 2 bedrooms (split bedroom floor plan)
- Flooring
- CarpetTile
- Bathrooms
- 2 full bathroomsMaster bath with combo tub and shower and dual sinks
- Heating & cooling
- Central electric heatCentral electric cooling
- Interior features
- PantrySmoke detectorsVolume ceilingWalk-in closetDining area (family)Eat-in kitchenScreened lanai/porchLaundry in residenceFurnishing negotiable
- Laundry & utility
- WasherDryerLaundry in residence
HOA detail $1,198/mo · $14,376/yr condo
- Likely covers
- landscapingpool
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-08-08days on market $559,000 Active 103 DOM
-
2026-08-07days on market $559,000 Active 102 DOM
-
2026-08-06days on market $559,000 Active 101 DOM
-
2026-08-05days on market $559,000 Active 100 DOM
-
2026-08-04days on market $559,000 Active 99 DOM
-
2026-08-03days on market $559,000 Active 98 DOM
-
2026-07-31days on market $559,000 Active 95 DOM
-
2026-07-30days on market $559,000 Active 94 DOM
-
2026-07-29days on market $559,000 Active 93 DOM
-
2026-07-27days on market $559,000 Active 91 DOM
-
2026-07-25days on market $559,000 Active 89 DOM
-
2026-07-24days on market $559,000 Active 88 DOM
-
2026-07-23days on market $559,000 Active 87 DOM
-
2026-07-22days on market $559,000 Active 86 DOM
-
2026-07-22days on market $559,000 Active 85 DOM
-
2026-07-18days on market $559,000 Active 82 DOM
-
2026-07-16days on market $559,000 Active 80 DOM
-
2026-07-16days on market $559,000 Active 79 DOM
-
2026-07-14days on market $559,000 Active 78 DOM
-
2026-07-14days on market $559,000 Active 77 DOM
-
2026-07-12days on market $559,000 Active 76 DOM
-
2026-07-11days on market $559,000 Active 75 DOM
-
2026-07-10days on market $559,000 Active 74 DOM
-
2026-07-09days on market $559,000 Active 73 DOM
-
2026-07-08days on market $559,000 Active 72 DOM
-
2026-07-07days on market $559,000 Active 71 DOM
-
2026-07-06days on market $559,000 Active 70 DOM
-
2026-07-05days on market $559,000 Active 69 DOM
-
2026-07-04days on market $559,000 Active 68 DOM
-
2026-07-03days on market $559,000 Active 67 DOM
-
2026-07-02days on market $559,000 Active 66 DOM
-
2026-07-01days on market $559,000 Active 65 DOM
-
2026-06-30days on market $559,000 Active 64 DOM
-
2026-06-29days on market $559,000 Active 63 DOM
-
2026-06-28days on market $559,000 Active 62 DOM
-
2026-06-28days on market $559,000 Active 61 DOM
-
2026-06-27days on market $559,000 Active 60 DOM
-
2026-06-25days on market $559,000 Active 58 DOM
-
2026-06-23days on market $559,000 Active 56 DOM
-
2026-06-21days on market $559,000 Active 55 DOM
-
2026-06-18days on market $559,000 Active 52 DOM
-
2026-06-17days on market $559,000 Active 51 DOM
-
2026-06-16days on market $559,000 Active 50 DOM
-
2026-06-15days on market $559,000 Active 49 DOM
-
2026-06-14days on market $559,000 Active 47 DOM
-
2026-06-10days on market $559,000 Active 44 DOM
-
2026-06-09days on market $559,000 Active 43 DOM
-
2026-06-08days on market $559,000 Active 42 DOM
-
2026-06-07days on market $559,000 Active 41 DOM
-
2026-06-03days on market $559,000 Active 37 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 9/10 Extreme FEMA zone X (shaded) · 99% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 10/10 Extreme 6 d/yr ≥107°F today · 25 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $60,330
- − Mortgage interest
- −$31,313
- − Property taxes
- −$8,385
- − Insurance
- −$3,592
- − Repairs & maintenance
- −$4,826
- − Management
- −$4,826
- − HOA
- −$14,376
- − Depreciation
- −$16,262
- Taxable loss
- −$23,251
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$5,580
- After-tax cash flow
- $-8,290/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 · 12 photos
80/100
Cosmetic rehab
Est. rehab $6,750–$20,250 screening
This two-bedroom, two-bath unit is in good condition with a good curb appeal and minimal maintenance required. It offers a prime view of the lake and fountain, making it an attractive option for both resale and rental.
Value-add opportunities
- Both Paint exterior walls — Enhances curb appeal and resale value ↑
- Both Clean checkered tile flooring — Maintains aesthetic and cleanliness ↑
ⓘ Rehab cost is a screening estimate — Cosmetic 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.
C
Composite school gradezoned avg 67/100
Zoned Schools
Elementary
Naples Park Elementary School
B
FL #608/2,144
Nat'l #6,217/41,679
Middle
Pine Ridge Middle School
A
FL #52/571
Nat'l #685/14,009
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
A
Composite livability gradescore 80/100
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
- County
- Collier County · 420,858 people
- City population
- 344,941
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 16,237
- Household income
- $119,212
- Rent vs 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
- —
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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-6.7% since first listed3 events — show timeline
- 2026-05-20 Price Changed $559,000 NAPLESMLS
- 2026-04-27 Price Changed $599,999 NAPLESMLS
- 2026-04-27 Listed $599,000 NAPLESMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…