7020 Ambrosia Ln #1108 · Island Walk, FL 34119

$385,000

4 bd · 3.0 ba · 1,828 sqft · Condo public records · 107 Days on market

Built 2007 $397/mo HOA · 11% of rent

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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).

• Cash flow +11.6/30.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• 1% rule +4.0/10.0
• DSCR +3.4/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

* * * Property is tenant-occupied through 03/31/2022 with a 60 day opt-out in the lease for both parties. Rental rate is $1,850.00/Month * * * Great location! 4 bed, 2 and a half bath townhome located in the Falls of Portofino. A townhome is an end unit with a one-car garage, which offers plenty of natural light into the home. The kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground-level has ceramic tile flooring on the diagonal and the upstairs has carpet. The Master bedroom features tray ceilings and has a spacious walk-in closet. The master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches.

Key facts

• In-suite bath
• Spacious kitchen
• Minutes from dining

Tags

• SPACIOUS KITCHEN
• BRIGHT AND OPEN LAYOUT
• GENEROUS CLOSET SPACE
• IN-SUITE BATH
• MINUTES FROM SHOPPING
• MINUTES FROM DINING

Property features AI

Finance

• Other: Community pool
• Financial info: Pets allowed: conditional (call for details)
• HOA & community: Homeowners association with monthly fees (examples: $163 and $234); Association covers cable TV, irrigation water, grounds maintenance, road maintenance, sewer, street lights and trash; Community amenities include clubhouse, fitness center, pool, spa/hot tub, tennis courts, basketball court, park, picnic/barbecue areas, sidewalks and management; Gated community with street lights; Approximately 100 units in the community

Exterior

• Parking: Attached 1-car garage; Driveway; Paved parking; 1 covered parking space
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Cable available; High-speed internet available
• Home design: 2-story property; Entry level: 1
• Construction: Block, concrete and stucco construction; Tile roof
• Exterior features: Sprinkler/irrigation (municipal); Patio (open); Porch; Shutters (manual); Privacy wall; Zero lot line; Automatic sprinklers; Northwest exposure; Southeast facing; Entry on level 1

Interior

• Kitchen: Cooktop; Range; Microwave; Dishwasher; Disposal; Refrigerator; Freezer; Icemaker; Pantry; Eat-in kitchen
• Bedrooms: Guest quarters
• Flooring: Carpet; Tile
• Bathrooms: 3 full bathrooms; Dual sinks; Bathtub; Separate shower
• Heating & cooling: Central heating (electric); Central air; Ceiling fans; Electric cooling
• Interior features: Built-in features; Bathtub; Closet cabinetry; Dual sinks; Eat-in kitchen; Family/Dining room; Living/Dining room; Custom mirrors; Pantry; Separate shower; Cable TV; Double-hung windows; Unfurnished
• Laundry & utility: Washer hookup inside; Dryer hookup inside

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath condo listed at $385k.

Deal economics

• At list price, monthly cash flow is $-123 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $363k (5.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $346k (10.1% below list).
• Recommended offer: $346k (10.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 64/100 on livability (#692 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing B+; Watch: health & safety D, 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.
• Market conditions: Rents soft (-2.5%/yr); 586 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).
• This rent runs 37% of the median local income ($113k/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 $3k of loan paydown is wiped out by about $12k 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 107 days — a 9% lower offer ($350k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 16y 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 $256k; list at $385k implies a 50% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: 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 $346,169 (10.1% below list)

Questions for the listing agent

1. 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?
2. It's been on market 107 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
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. 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?
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: 0.90% ✗
• Cap rate: 5.91%
• Cash-on-cash: -1.37%
• DSCR: 0.94
• GRM: 9.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -22.2%
• Equity multiple: 0.26×
• Total profit: $-80,170
• Equity at exit: $57,405

10-year hold

• IRR: -27.1%
• Equity multiple: -0.10×
• Total profit: $-118,373
• Equity at exit: $33,288

Cash invested: $107,800 (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 34119

• Rents YoY: -2.5%
• Active inventory: 586
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $3,462 high
• Mortgage (P&I): −$2,019
• Tax from tax record: −$281 /mo · $3,372/yr
• Insurance: −$160
• HOA: −$397
• Vacancy / Maint / Mgmt: −$727
• Net cashflow: $-123

Break-even live

Break-even rent $3,617

Max offer price $363,332

Occupancy floor 99%

Sensitivity live

Price	-10% $95	-5% $-14	+0% $-123	+5% $-232	+10% $-341
Rent	-10% $-396	-5% $-259	+0% $-123	+5% $14	+10% $151
Rate	-1.0pp $71	-0.5pp $-25	base $-123	+0.5pp $-222	+1.0pp $-324

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: $96,250
• Closing costs: $11,550
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7024 Ambrosia Ln #905 Naples, FL	3.0	2.5	1679	$3,079	$1.83	24d	1	0.06mi
7012 Romana Way #1408 Naples, FL	4.0	3.0	1828	$3,210	$1.76	22d	1	0.11mi
7012 Romana Way #1405 Naples, FL	3.0	2.5	1679	$3,154	$1.88	22d	1	0.11mi
7012 Romana Way #1401 Naples, FL	4.0	3.0	1828	$3,216	$1.76	22d	1	0.11mi
7012 Romana Way #1406 Naples, FL	4.0	2.5	1828	$3,328	$1.82	22d	1	0.11mi
7012 Romana Way #1403 Naples, FL	4.0	2.5	1828	$3,291	$1.80	22d	1	0.11mi
7030 Torino Ter #2402 Naples, FL	4.0	2.5	1828	$3,291	$1.80	22d	1	0.14mi
7028 Ambrosia Ln #801 Naples, FL	4.0	3.0	1828	$3,141	$1.72	24d	1	0.15mi
7009 Romana Way #1605 Naples, FL	3.0	2.5	1679	$2,800	$1.67	24d	1	0.15mi
7029 Ambrosia Ln #604 Naples, FL	4.0	2.5	1822	$2,495	$1.37	24d	1	0.16mi
7081 Venice Way #1808 Naples, FL	4.0	3.0	1833	$3,241	$1.77	24d	1	0.17mi
7036 Ambrosia Ln #505 Naples, FL	3.0	2.5	1679	$3,079	$1.83	24d	1	0.18mi
7074 Venice Way #2603 Naples, FL	3.0	2.5	1679	$2,951	$1.76	24d	1	0.19mi
7047 Ambrosia Ln Naples, FL	3.0–4.0	2.5–3.0	1753	$3,363	$1.92	14d	38	0.22mi
7073 Venice Way #2701 Naples, FL	4.0	3.0	1828	$3,241	$1.77	24d	1	0.22mi
7073 Venice Way #2705 Naples, FL	3.0	2.5	1679	$3,179	$1.89	24d	1	0.22mi
7033 Ambrosia Ln #408 Naples, FL	4.0	3.0	1828	$3,110	$1.70	24d	1	0.22mi
7051 Ambrosia Ln #3501 Naples, FL	4.0	3.0	1828	$2,996	$1.64	24d	1	0.23mi
7044 Ambrosia Ln #101 Naples, FL	4.0	3.0	1828	$3,145	$1.72	22d	1	0.24mi
7044 Ambrosia Ln #104 Naples, FL	4.0	2.5	1828	$3,288	$1.80	22d	1	0.24mi
7320 Rockefeller Dr Naples, FL	3.0	2.5	1841	$3,200	$1.74	24d	1	0.28mi
7501 Carnegie Way Naples, FL	3.0	2.5	1638	$3,100	$1.89	14d	1	0.29mi
7345 Rockefeller Dr Naples, FL	3.0	2.5	1868	$5,800	$3.10	14d	1	0.32mi
3019 Ellice Way Naples, FL	3.0	3.0	2181	$3,500	$1.60	22d	1	0.34mi
7596 Morgan Way Naples, FL	3.0	2.5	1841	$3,600	$1.96	24d	1	0.35mi
7608 Morgan Way Naples, FL	3.0	2.5	1771	$3,150	$1.78	24d	1	0.37mi
7611 Morgan Way Naples, FL	3.0	2.5	1712	$2,900	$1.69	24d	1	0.37mi
3471 Bravada Way Naples, FL	3.0	2.5	1771	$3,000	$1.69	24d	1	0.41mi
7643 Morgan Way Naples, FL	3.0	2.5	1762	$2,900	$1.65	24d	1	0.41mi
7555 Rockefeller Dr Naples, FL	3.0	2.5	1841	$3,150	$1.71	24d	1	0.43mi
7414 Acorn Way Naples, FL	3.0	2.0	2300	$5,950	$2.59	24d	1	0.43mi
7578 Rockefeller Dr Naples, FL	3.0	2.5	1712	$3,000	$1.75	24d	1	0.45mi
7302 Acorn Way Naples, FL	3.0	3.0	2300	$7,000	$3.04	24d	1	0.52mi
4274 Sonoma Oaks Cir Naples, FL	3.0	2.5	2018	$3,500	$1.73	24d	1	0.67mi
4275 Sonoma Oaks Cir Naples, FL	3.0	2.5	2000	$3,200	$1.60	24d	1	0.69mi
15122 Summit Place Cir #212 Naples, FL	3.0	2.5	2276	$2,750	$1.21	24d	1	0.77mi
6182 Towncenter Cir Naples, FL	3.0	2.5	1771	$2,800	$1.58	14d	1	0.82mi
6084 Islandwalk Blvd Naples, FL	3.0	2.5	1725	$3,200	$1.86	24d	1	0.85mi
6069 Islandwalk Blvd Naples, FL	3.0	2.5	1800	$2,800	$1.56	24d	1	0.87mi
14758 Sutherland Ave #412 Naples, FL	3.0	3.0	1800	$3,000	$1.67	24d	1	0.91mi

HOA detail condo

• Monthly dues: $397 · $4,764/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 35 events

1. 2026-06-18
   days on market $385,000 Active 107 DOM
2. 2026-06-17
   days on market $385,000 Active 106 DOM
3. 2026-06-16
   days on market $385,000 Active 105 DOM
4. 2026-06-15
   days on market $385,000 Active 104 DOM
5. 2026-06-14
   days on market $385,000 Active 102 DOM
6. 2026-06-10
   days on market $385,000 Active 99 DOM
7. 2026-06-09
   days on market $385,000 Active 98 DOM
8. 2026-06-08
   days on market $385,000 Active 97 DOM
9. 2026-06-07
   days on market $385,000 Active 96 DOM
10. 2026-06-03
    days on market $385,000 Active 92 DOM
11. 2026-06-02
    days on market $385,000 Active 91 DOM
12. 2026-06-01
    days on market $385,000 Active 90 DOM
13. 2026-05-31
    days on market $385,000 Active 89 DOM
14. 2026-05-30
    days on market $385,000 Active 88 DOM
15. 2026-03-03
    listed $385,000 Active
16. 2021-10-01
    soldstatus $256,000 Sold 832-char remark

    Show marketing remark (832 chars)

    * * * Property is tenant-occupied through 03/31/2022 with a 60 day opt-out in the lease for both parties. Rental rate is $1,850.00/Month * * * Great location! 4 bed, 2 and a half bath townhome located in the Falls of Portofino. A townhome is an end unit with a one-car garage, which offers plenty of natural light into the home. The kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground-level has ceramic tile flooring on the diagonal and the upstairs has carpet. The Master bedroom features tray ceilings and has a spacious walk-in closet. The master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches.

17. 2021-06-24
    status Pending With Contingencies 832-char remark

    Show marketing remark (832 chars)

    * * * Property is tenant-occupied through 03/31/2022 with a 60 day opt-out in the lease for both parties. Rental rate is $1,850.00/Month * * * Great location! 4 bed, 2 and a half bath townhome located in the Falls of Portofino. A townhome is an end unit with a one-car garage, which offers plenty of natural light into the home. The kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground-level has ceramic tile flooring on the diagonal and the upstairs has carpet. The Master bedroom features tray ceilings and has a spacious walk-in closet. The master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches.

18. 2021-06-18
    listed $254,900 Active 832-char remark

    Show marketing remark (832 chars)

    * * * Property is tenant-occupied through 03/31/2022 with a 60 day opt-out in the lease for both parties. Rental rate is $1,850.00/Month * * * Great location! 4 bed, 2 and a half bath townhome located in the Falls of Portofino. A townhome is an end unit with a one-car garage, which offers plenty of natural light into the home. The kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground-level has ceramic tile flooring on the diagonal and the upstairs has carpet. The Master bedroom features tray ceilings and has a spacious walk-in closet. The master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches.

19. 2019-06-26
    soldstatus $212,500
20. 2019-06-24
    soldstatus $212,500 Sold 820-char remark

    Show marketing remark (820 chars)

    Great location! 4 bed, 2 and a half bath town home located in the Falls of Portofino. Town home is an end unit, offering natural light into the home. Kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground level has ceramic tile flooring on the diagonal and upstairs has carpet. Master bedroom features tray ceilings, and has a spacious walk-in closet. Master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches. Call today for your personal showing, as this home will not last long. Home is zoned for the following schools: Vineyards Elementary School Oakridge Middle School Gulf Coast High School

21. 2019-04-18
    status Pending With Contingencies 820-char remark

    Show marketing remark (820 chars)

    Great location! 4 bed, 2 and a half bath town home located in the Falls of Portofino. Town home is an end unit, offering natural light into the home. Kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground level has ceramic tile flooring on the diagonal and upstairs has carpet. Master bedroom features tray ceilings, and has a spacious walk-in closet. Master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches. Call today for your personal showing, as this home will not last long. Home is zoned for the following schools: Vineyards Elementary School Oakridge Middle School Gulf Coast High School

22. 2019-03-20
    price $219,900 820-char remark

    Show marketing remark (820 chars)

    Great location! 4 bed, 2 and a half bath town home located in the Falls of Portofino. Town home is an end unit, offering natural light into the home. Kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground level has ceramic tile flooring on the diagonal and upstairs has carpet. Master bedroom features tray ceilings, and has a spacious walk-in closet. Master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches. Call today for your personal showing, as this home will not last long. Home is zoned for the following schools: Vineyards Elementary School Oakridge Middle School Gulf Coast High School

23. 2019-02-26
    status Active 820-char remark

    Show marketing remark (820 chars)

    Great location! 4 bed, 2 and a half bath town home located in the Falls of Portofino. Town home is an end unit, offering natural light into the home. Kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground level has ceramic tile flooring on the diagonal and upstairs has carpet. Master bedroom features tray ceilings, and has a spacious walk-in closet. Master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches. Call today for your personal showing, as this home will not last long. Home is zoned for the following schools: Vineyards Elementary School Oakridge Middle School Gulf Coast High School

24. 2019-01-31
    status Pending With Contingencies 820-char remark

    Show marketing remark (820 chars)

    Great location! 4 bed, 2 and a half bath town home located in the Falls of Portofino. Town home is an end unit, offering natural light into the home. Kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground level has ceramic tile flooring on the diagonal and upstairs has carpet. Master bedroom features tray ceilings, and has a spacious walk-in closet. Master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches. Call today for your personal showing, as this home will not last long. Home is zoned for the following schools: Vineyards Elementary School Oakridge Middle School Gulf Coast High School

25. 2019-01-12
    price $232,500 820-char remark

    Show marketing remark (820 chars)

    Great location! 4 bed, 2 and a half bath town home located in the Falls of Portofino. Town home is an end unit, offering natural light into the home. Kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground level has ceramic tile flooring on the diagonal and upstairs has carpet. Master bedroom features tray ceilings, and has a spacious walk-in closet. Master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches. Call today for your personal showing, as this home will not last long. Home is zoned for the following schools: Vineyards Elementary School Oakridge Middle School Gulf Coast High School

26. 2019-01-08
    listed $239,000 Active 820-char remark

    Show marketing remark (820 chars)

    Great location! 4 bed, 2 and a half bath town home located in the Falls of Portofino. Town home is an end unit, offering natural light into the home. Kitchen is modernized with upgraded cabinets and has newer stainless steel appliances. Ground level has ceramic tile flooring on the diagonal and upstairs has carpet. Master bedroom features tray ceilings, and has a spacious walk-in closet. Master bathroom has both a walk-in shower and soaking tub, with dual vanities. With a great location just offer Vanderbilt Beach Road, this home is located minutes away from shopping, dining, and just a short drive to Naples' gorgeous beaches. Call today for your personal showing, as this home will not last long. Home is zoned for the following schools: Vineyards Elementary School Oakridge Middle School Gulf Coast High School

27. 2018-12-31
    historical
28. 2018-10-17
    listed $239,000 Active
29. 2013-03-15
    soldstatus $134,000
30. 2013-03-13
    soldstatus $134,000
31. 2013-01-04
    listed $143,000
32. 2011-04-04
    historical
33. 2010-11-28
    listed $144,900
34. 2010-09-17
    soldstatus $92,000
35. 2010-06-03
    listed $99,800

ⓘ 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: $3,372 · $281/mo
• Projected year-2 tax: $3,372 · $281/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $41,540
• − Mortgage interest: −$21,566
• − Property taxes: −$3,372
• − Insurance: −$1,925
• − Repairs & maintenance: −$3,323
• − Management: −$3,323
• − HOA: −$4,764
• − Depreciation: −$11,200
• Taxable loss: −$7,933
• Est. tax savings @ 24.0%: +$1,904
• After-tax cash flow: $432/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 — Island Walk

• Score: 64/100
• State rank: #692
• US rank: #14444

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 36,807
• Household income: $113,391
• Rent vs Own: 16.4% rent · 83.6% own
• Severe rent burden: 741.0

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 (74%)
• Race & ethnicity: White 74% Hispanic / Latino 20% Two or more races 14% Black 1%
• Hispanic origin (detail): Mexican 6% Puerto Rican 2% Cuban 4% Dominican 2%
• Common ancestry: Romanian 4% Lithuanian 2% Italian 2%
• Foreign-born: 17% · Canada, Jamaica, Dominican Republic
• Languages at home: 78% English-only · Spanish 15% Other Indo-European 3% Russian/Polish/Slavic 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: ▼ -243.12%
• Current HPI: 269.3208
• Rent YoY: ▼ -2.51%
• 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

+285.8% since first listed

21 events — show timeline

• 2026-03-03 Listed $385,000 FORTMLS
• 2021-10-01 Sold (MLS) $256,000 NAPLESMLS
• 2021-06-24 Pending — NAPLESMLS
• 2021-06-18 Listed $254,900 NAPLESMLS
• 2019-06-26 Sold (Public Records) $212,500 Public Records
• 2019-06-24 Sold (MLS) $212,500 NAPLESMLS
• 2019-04-18 Pending — NAPLESMLS
• 2019-03-20 Price Changed $219,900 NAPLESMLS
• 2019-02-26 Relisted — NAPLESMLS
• 2019-01-31 Pending — NAPLESMLS
• 2019-01-12 Price Changed $232,500 NAPLESMLS
• 2019-01-08 Listed $239,000 NAPLESMLS
• 2018-12-31 Listing Removed — NAPLESMLS
• 2018-10-17 Listed $239,000 NAPLESMLS
• 2013-03-15 Sold (Public Records) $134,000 Public Records
• 2013-03-13 Sold (MLS) $134,000 NAPLESMLS
• 2013-01-04 Listed $143,000 NAPLESMLS
• 2011-04-04 Listing Removed — NAPLESMLS
• 2010-11-28 Listed $144,900 NAPLESMLS
• 2010-09-17 Sold (MLS) $92,000 NAPLESMLS
• 2010-06-03 Listed $99,800 NAPLESMLS

Property tax history

+8.7%/yr

Latest (2025): $3,372 · +7.9% YoY. Source: county tax records.