645 101st Ave N · Naples Park, FL 34108

$685,000

3 bd · 2.0 ba · 1,273 sqft · SingleFamily public records · 178 Days on market

Built 1975 6,534 sqft lot

---

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 +18.3/30.0
• ARV discount +7.5/15.0
• DSCR +5.8/10.0
• Schools +5.0/10.0
• Rent growth +4.7/5.0
• 1% rule +4.2/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Totally renovated ! Brand new permitted roof ! New floors, New Kitchen Cabinets, New Stainless Appliances, New Quartz Countertops, New Glass Mosaic Backsplash, New lighting and fixtures, New vanities in Bathrooms, New tile, New baseboards, New Window Treatments, New closet doors, New Paint inside and out. New fence and fence gates. Large yard and big enough for a big pool. New landscaping in front and side yards. Master has walk in closet with new clothing racks. A/C system only 3 years old! Ready to go !

Key facts

• Quartz countertops
• Barbecue area
• Open kitchen

Tags

• OPEN KITCHEN
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• GLASS MOSAIC BACKSPLASH
• BARBECUE AREA
• CUSTOMIZED WALK-IN CLOSET

Property features AI

Finance

• Other: Property type: Residential; Development: Naples Park; Lot is regular, deeded; landscaped area view; Lot dimensions approximately 50 x 135 (total area listed as 1491); Subdivision number 510400; Possession at closing
• HOA & community: No HOA maintenance; Community amenities include bike and jog path, sidewalk, and streetlight; Non-gated community

Exterior

• Parking: Attached 1-car garage; Paved road access
• Utilities: Central water; Central sewer; Cable available
• Home design: Single-family residence; One-story ranch design; Rear exposure facing north
• Construction: Concrete block construction; Stucco exterior; Shingle roof; Built in 1975; Foundation information not provided
• Exterior features: Courtyard; Deck; Fence; Fruit trees; Patio; Above-ground private spa (heated electric; equipment stays)

Interior

• Kitchen: Cooktop (electric); Dishwasher; Disposal; Microwave; Refrigerator / Freezer; Ice maker (stand-alone); Freezer; Grill (gas)
• Bedrooms: 3 bedrooms; Master bedroom on the ground floor; Additional bedroom on the first floor
• Flooring: Tile flooring; Vinyl flooring
• Bathrooms: 2 full bathrooms; Master bath with shower only
• Heating & cooling: Central electric heat; Central electric cooling; Ceiling fans
• Interior features: Custom mirrors; French doors; High-speed internet available; Smoke detectors; Breakfast bar and eat-in kitchen; Dining in living area; Open great room floor plan; Family room and great room; Guest room and guest bath; Laundry in the residence; Open porch / lanai
• Laundry & utility: Washer and dryer included; Auto garage door

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $685k.

Deal economics

• At list price, monthly cash flow is $631 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $631k (7.9% below list).
• Recommended offer: $603k (12.0% 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 23d 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 $6,310/mo this rent would consume 64% 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 $21k 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 $192k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 178 days — a 12% lower offer ($603k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 8y ago; this cycle's ask has dropped $36k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $345k; list at $685k implies a 99% 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→32/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $602,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 178 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 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.92% ✗
• Cap rate: 7.40%
• Cash-on-cash: 3.95%
• DSCR: 1.18
• GRM: 9.0

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: -5.0%
• Equity multiple: 0.80×
• Total profit: $-37,602
• Equity at exit: $102,136

10-year hold

• IRR: 9.5%
• Equity multiple: 1.89×
• Total profit: $170,227
• Equity at exit: $59,226

Cash invested: $191,800 (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 34108

• Rents YoY: 8.7%
• Active inventory: 679
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $6,310 high
• Mortgage (P&I): −$3,592
• Tax from tax record: −$477 /mo · $5,719/yr
• Insurance: −$285
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,325
• Net cashflow: $631

Break-even live

Break-even rent $5,512

Max offer price $685,000

Occupancy floor 85%

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: $171,250
• Closing costs: $20,550
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
650 103rd Ave N Naples, FL	3.0	2.0	1025	$2,700	$2.63	23d	1	0.07mi
691 102nd Ave N Naples, FL	3.0	2.0	1311	$7,000	$5.34	23d	1	0.08mi
663 100th Ave N Naples, FL	2.0	1.0	1000	$2,650	$2.65	23d	1	0.09mi
671 100th Ave N Naples, FL	3.0	2.0	1164	$5,500	$4.73	23d	1	0.09mi
645 103rd Ave N Unit 1534775P Naples, FL	4.0	2.0	1840	$8,513	$4.63	21d	1	0.11mi
637 103rd Ave N Naples, FL	3.0	2.0	1669	$3,100	$1.86	23d	1	0.11mi
660 100th Ave N Unit 1404250P Naples, FL	3.0	2.0	1571	$6,068	$3.86	13d	1	0.12mi
604 102nd Ave N Naples, FL	3.0	2.0	1197	$3,150	$2.63	13d	1	0.13mi
690 100th Ave N Naples, FL	3.0	2.0	1800	$12,500	$6.94	23d	1	0.15mi
707 104th Ave N Naples, FL	3.0	2.0	1745	$14,500	$8.31	23d	1	0.20mi
575 101st Ave N Naples, FL	4.0	2.0	1800	$12,500	$6.94	23d	1	0.21mi
714 105th Ave N Naples, FL	3.0	2.0	1491	$4,150	$2.78	23d	1	0.23mi
731 104th Ave N Naples, FL	2.0	2.0	1388	$12,000	$8.65	23d	1	0.24mi
751 100th Ave N Naples, FL	2.0	1.0	912	$4,000	$4.39	23d	1	0.25mi
757 101st Ave N Naples, FL	3.0	2.0	1366	$3,900	$2.86	23d	1	0.25mi
684 98th Ave N Naples, FL	3.0	2.0	1702	$4,500	$2.64	13d	1	0.26mi
692 106th Ave N Unit 1387168P Naples, FL	3.0	3.0	1356	$6,573	$4.85	13d	1	0.26mi
612 106th Ave N Unit 1073496P Naples, FL	3.0	2.0	1550	$6,772	$4.37	13d	1	0.27mi
625 97th Ave N Naples, FL	3.0	2.0	1496	$3,800	$2.54	23d	1	0.28mi
10580 6th St Naples, FL	2.0	1.0	1000	$2,300	$2.30	23d	1	0.29mi
663 106th Ave N Unit 1504161P Naples, FL	3.0	2.0	1539	$7,887	$5.12	13d	1	0.29mi
572 105th Ave N Naples, FL	3.0	2.0	1485	$9,250	$6.23	23d	1	0.29mi
536 101st Ave N Naples, FL	3.0	1.0	1016	$2,500	$2.46	13d	1	0.30mi
772 100th Ave N Naples, FL	3.0	2.0	1712	$3,200	$1.87	23d	1	0.31mi
749 105th Ave N Naples, FL	3.0	2.0	1394	$4,000	$2.87	23d	1	0.32mi
532 103rd Ave N Naples, FL	3.0	2.0	1326	$8,000	$6.03	23d	1	0.32mi
698 107th Ave N Naples, FL	4.0	3.0	1487	$3,800	$2.56	23d	1	0.32mi
552 105th Ave N Naples, FL	3.0	2.0	1614	$7,500	$4.65	23d	1	0.33mi
593 106th Ave N Naples, FL	3.0	2.0	1800	$9,000	$5.00	23d	1	0.33mi
521 102nd Ave N Naples, FL	3.0	2.0	1432	$5,000	$3.49	13d	1	0.33mi
673 107th Ave N Naples, FL	3.0	2.0	1428	$3,850	$2.70	23d	1	0.35mi
669 107th Ave N Unit 1504183P Naples, FL	3.0	2.0	1614	$3,571	$2.21	23d	1	0.35mi
648 96th Ave N Naples, FL	3.0	2.0	1768	$12,000	$6.79	23d	1	0.37mi
10022 8th St N Unit 22 Naples, FL	2.0	2.0	1250	$2,250	$1.80	23d	1	0.38mi
10022 8th St N Unit B Naples, FL	2.0	2.0	1249	$2,225	$1.78	13d	1	0.39mi
517 98th Ave N Naples, FL	3.0	2.0	1350	$4,750	$3.52	23d	1	0.39mi
552 97th Ave N Naples, FL	3.0	2.0	1612	$3,890	$2.41	23d	1	0.40mi
801 99th Ave N Naples, FL	2.0	2.0	1781	$3,500	$1.97	23d	1	0.40mi
645 95th Ave N Unit 1 Naples, FL	3.0	2.0	957	$2,750	$2.87	13d	1	0.40mi
724 108th Ave N Unit 1073495P Naples, FL	3.0	2.0	1151	$4,915	$4.27	13d	1	0.41mi

Listing history 23 events

1. 2026-06-18
   days on market $685,000 Active 178 DOM
2. 2026-06-17
   days on market $685,000 Active 177 DOM
3. 2026-06-16
   days on market $685,000 Active 176 DOM
4. 2026-06-15
   days on market $685,000 Active 175 DOM
5. 2026-06-10
   days on market $685,000 Active 170 DOM
6. 2026-06-09
   days on market $685,000 Active 169 DOM
7. 2026-06-08
   days on market $685,000 Active 168 DOM
8. 2026-06-07
   days on market $685,000 Active 167 DOM
9. 2026-06-03
   days on market $685,000 Active 163 DOM
10. 2026-06-02
    days on market $685,000 Active 162 DOM
11. 2026-06-01
    days on market $685,000 Active 161 DOM
12. 2026-05-31
    days on market $685,000 Active 160 DOM
13. 2026-05-30
    days on market $685,000 Active 159 DOM
14. 2026-02-11
    price $685,000
15. 2026-01-10
    price $699,000
16. 2025-12-22
    listed $721,500 Active
17. 2018-05-18
    soldstatus $345,000
18. 2018-05-17
    soldstatus $345,000 Sold 510-char remark

    Show marketing remark (510 chars)

    Totally renovated ! Brand new permitted roof ! New floors, New Kitchen Cabinets, New Stainless Appliances, New Quartz Countertops, New Glass Mosaic Backsplash, New lighting and fixtures, New vanities in Bathrooms, New tile, New baseboards, New Window Treatments, New closet doors, New Paint inside and out. New fence and fence gates. Large yard and big enough for a big pool. New landscaping in front and side yards. Master has walk in closet with new clothing racks. A/C system only 3 years old! Ready to go !

19. 2018-05-11
    status Pending 510-char remark

    Show marketing remark (510 chars)

    Totally renovated ! Brand new permitted roof ! New floors, New Kitchen Cabinets, New Stainless Appliances, New Quartz Countertops, New Glass Mosaic Backsplash, New lighting and fixtures, New vanities in Bathrooms, New tile, New baseboards, New Window Treatments, New closet doors, New Paint inside and out. New fence and fence gates. Large yard and big enough for a big pool. New landscaping in front and side yards. Master has walk in closet with new clothing racks. A/C system only 3 years old! Ready to go !

20. 2018-05-03
    status Pending With Contingencies 510-char remark

    Show marketing remark (510 chars)

    Totally renovated ! Brand new permitted roof ! New floors, New Kitchen Cabinets, New Stainless Appliances, New Quartz Countertops, New Glass Mosaic Backsplash, New lighting and fixtures, New vanities in Bathrooms, New tile, New baseboards, New Window Treatments, New closet doors, New Paint inside and out. New fence and fence gates. Large yard and big enough for a big pool. New landscaping in front and side yards. Master has walk in closet with new clothing racks. A/C system only 3 years old! Ready to go !

21. 2018-04-27
    listed $350,000 Active 510-char remark

    Show marketing remark (510 chars)

    Totally renovated ! Brand new permitted roof ! New floors, New Kitchen Cabinets, New Stainless Appliances, New Quartz Countertops, New Glass Mosaic Backsplash, New lighting and fixtures, New vanities in Bathrooms, New tile, New baseboards, New Window Treatments, New closet doors, New Paint inside and out. New fence and fence gates. Large yard and big enough for a big pool. New landscaping in front and side yards. Master has walk in closet with new clothing racks. A/C system only 3 years old! Ready to go !

22. 2017-11-21
    soldstatus $115,000
23. 1998-10-26
    soldstatus $95,000

ⓘ 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: $5,719 · $477/mo
• Projected year-2 tax: $5,719 · $477/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 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 32 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $75,725
• − Mortgage interest: −$38,371
• − Property taxes: −$5,719
• − Insurance: −$3,425
• − Repairs & maintenance: −$6,058
• − Management: −$6,058
• − Depreciation: −$19,927
• Taxable loss: −$3,834
• Est. tax savings @ 24.0%: +$920
• After-tax cash flow: $8,492/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

+621.1% since first listed

10 events — show timeline

• 2026-02-11 Price Changed $685,000 NAPLESMLS
• 2026-01-10 Price Changed $699,000 NAPLESMLS
• 2025-12-22 Listed $721,500 NAPLESMLS
• 2018-05-18 Sold (Public Records) $345,000 Public Records
• 2018-05-17 Sold (MLS) $345,000 NAPLESMLS
• 2018-05-11 Pending — NAPLESMLS
• 2018-05-03 Pending — NAPLESMLS
• 2018-04-27 Listed $350,000 NAPLESMLS
• 2017-11-21 Sold (Public Records) $115,000 Public Records
• 1998-10-26 Sold (Public Records) $95,000 Public Records

Property tax history

+10.5%/yr

Latest (2025): $5,719 · +0.4% YoY. Source: county tax records.