1149 Sweetwater Ln #4102 · Bonita Springs, FL
Flood risk 5/10 · Moderate
- FEMA flood zone
- AH
- Chance of flooding over 30 yrs
- 0.24%
- Est. flood insurance / yr
- $1,142 – $2,507
Fire risk 2/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 28 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 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 +28.8/30.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- ARV discount +7.5/15.0
- Schools +5.0/10.0
- Livability +3.5/5.0
- Condition / age +2.5/5.0
- Rent growth +2.2/5.0
- Appreciation +0.0/10.0
$259,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Light and Bright, First floor home with fabulous Sunsets! Enjoy living your SW FL dream in this lovely condo with 2 spacious bedrooms, 2 bathrooms and a glassed-in lanai area that expands your living area. Overlooking the peaceful preserve and water, this home offers new stainless steel kitchen appliances that are only a few weeks old, the A/C and water heater were new in 2019 and the Master Bathroom has been totally redone! Beautiful flooring (also in the guest bathroom), fabulous shower enclosure with large shower head, and quartz counter. Tile floors in all main areas, great sliding doors to small patio area in Guest Bedroom and French doors that close off one side of the Master Bedroom. Sterling Oaks offers resort-style living with a new Clubhouse, Bocce Ball, Pickle Ball Courts, a Jr Olympic Pool with a Tiki Bar to enjoy snacks and beverages while relaxing by the pool. 12 Har-Tru Tennis Courts, Restaurant and Fitness Center. You are only a few miles to white sandy beaches, shopping, restaurants and RSW International Airport.
Key facts
- Quartz counter
- Newer dishwasher
- Large shower head
Tags
Property features AI
Other
- Location: Directions: Off of 41 Tamiami Trail; Subdivision number 653200
- Possession: Possession at closing
- Multi-unit information: 1 unit per floor; 8 units in building; 26 units in complex; 2 total floors
Finance
- HOA & community: Mandatory HOA; Condo management; Monthly master HOA fee of $488; Monthly condo fee of $489; Annual recurring fees total $11,724; One-time fees total $6,300; HOA maintenance includes cable, internet/WiFi, irrigation water, lawn/land maintenance, exterior pest control, reserves, security, sewer, and water; Community amenities: clubhouse, community pool, fitness center (attended), bocce court, tennis court, pickleball, sidewalks, streetlights, private membership
Exterior
- Parking: 1 assigned covered parking; Detached 1-car carport
- Security: Gated community
- Utilities: Central water (assessment paid); Central sewer; Cable available
- Home design: Residential low-rise building (1-3); 2-story building; Rear exposure faces northeast; Located in the Sterling Oaks development (Sweetwater Bay sub-condo)
- Construction: Built in 1997; Concrete block construction; Stucco exterior; Roof over
- Exterior features: Patio; Landscaped area; Pond; Paved road access; Gated community
Interior
- Kitchen: Pantry; Cooktop - Electric; Dishwasher; Microwave; Refrigerator
- Bedrooms: 2 bedrooms (split bedroom floor plan)
- Flooring: Carpet; Tile
- Bathrooms: 2 full bathrooms; Master bath with shower only
- Heating & cooling: Central electric heat; Central electric cooling
- Interior features: French doors; Pantry; Smoke detectors; Breakfast bar / Dining (living); Open porch / lanai
- Laundry & utility: Washer; Dryer
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath condo listed at $260k.
Deal economics
- At list price, monthly cash flow is $718 ($9k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $260k).
- Recommended offer: $229k (12.0% below list) — sets the bar for market timing.
- Cap rate 10.3% vs local median 1.7% in Bonita Springs — 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 70/100 on livability (#428 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, employment A; Watch: schools C-, cost of living C-, health & safety D.
- 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 (-1.1%/yr); 595 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); solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
- At $4,426/mo this rent would consume 54% of the median local household income ($98k/yr) (locally 1006% 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 $2k of loan paydown is wiped out by about $8k 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 136 days — a 12% lower offer ($229k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 10y ago; this cycle's ask has dropped $39k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $175k; 49% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: flood insurance adds $152/mo; HOA is 22% of rent.
- Climate carrying-cost: in FEMA flood zone AH (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 136 days. Have you received any prior offers? Is the seller open to a 12% 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.
- 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
- 1.70% ✓
- Cap rate
- 10.31%
- Cash-on-cash
- 14.34%
- DSCR
- 1.64
- GRM
- 4.9
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -3.3%
- Equity multiple
- 0.88×
- Total profit
- $-8,717
- Equity at exit
- $38,752
- IRR
- 0.9%
- Equity multiple
- 1.05×
- Total profit
- $3,849
- Equity at exit
- $22,471
Cash invested: $72,772 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Florida
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 34110
- Rents YoY
- -1.1%
- Active inventory
- 595
- Price-to-rent
- 4.9×
Monthly cashflow live
- Estimated rent
- $4,426 high interval (Pro) →
- Mortgage (P&I)
- −$1,363
- Tax from tax record
- −$179 /mo · $2,147/yr
- Insurance
- −$108
- Flood insurance flood zone
- −$152 /mo · $1,824/yr
- HOA
- −$977
- Vacancy / Maint / Mgmt
- −$930
- Net cashflow
- $718
Break-even live
Sensitivity live
| Price | -10% $865 | -5% $791 | +0% $718 | +5% $644 | +10% $570 |
|---|---|---|---|---|---|
| Rent | -10% $368 | -5% $543 | +0% $718 | +5% $892 | +10% $1,067 |
| Rate | -1.0pp $848 | -0.5pp $784 | base $718 | +0.5pp $650 | +1.0pp $582 |
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
- $64,975
- Closing costs
- $7,797
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- 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 |
|---|---|---|---|---|---|---|---|---|
| 1214 Sweetwater Ln #2306 Naples, FL | 2.0 | 2.0 | 1378 | $6,500 | $4.72 | 24d | 1 | 0.08mi |
| 1117 Sweetwater Ln #2201 Naples, FL | 2.0 | 2.0 | 1193 | $6,500 | $5.45 | 24d | 1 | 0.09mi |
| 1325 Sweetwater Cv #201 Naples, FL | 3.0 | 2.0 | 1381 | $6,000 | $4.34 | 24d | 1 | 0.15mi |
| 1420 Sweetwater Cv #102 Naples, FL | 2.0 | 2.0 | 1279 | $5,000 | $3.91 | 21d | 1 | 0.15mi |
| 1420 Sweetwater Cv #102 Naples, FL | 2.0 | 2.0 | 1279 | $5,000 | $3.91 | 24d | 1 | 0.15mi |
| 1415 Sweetwater Cv #104 Naples, FL | 3.0 | 2.0 | 1381 | $6,500 | $4.71 | 24d | 1 | 0.19mi |
| 1340 Sweetwater Cv #103 Naples, FL | 2.0 | 2.0 | 1279 | $5,000 | $3.91 | 24d | 1 | 0.20mi |
| 1405 Sweetwater Cv #204 Naples, FL | 3.0 | 2.0 | 1381 | $6,000 | $4.34 | 24d | 1 | 0.20mi |
| 1405 Sweetwater Cv #204 Naples, FL | 3.0 | 2.0 | 1381 | $6,000 | $4.34 | 14d | 1 | 0.20mi |
| 1345 Sweetwater Cv #203 Naples, FL | 2.0 | 2.0 | 1279 | $4,800 | $3.75 | 24d | 1 | 0.21mi |
| 1390 Sweetwater Cv #203 Naples, FL | 2.0 | 2.0 | 1279 | $2,200 | $1.72 | 14d | 1 | 0.22mi |
| 1360 Sweetwater Cv #202 Naples, FL | 2.0 | 2.0 | 1279 | $5,500 | $4.30 | 24d | 1 | 0.22mi |
| 28790 Versol Dr Bonita Springs, FL | 1.0–3.0 | 1.0–2.0 | 1075 | $2,632 | $2.45 | 2d | 19 | 0.40mi |
| 28700 Trails Edge Blvd Bonita Springs, FL | 3.0 | 2.0 | 1458 | $2,175 | $1.49 | 4d | 2 | 0.42mi |
| 9855 Costa Mesa Ln #403 Bonita Springs, FL | 2.0 | 2.0 | 1146 | $1,600 | $1.40 | 24d | 1 | 0.44mi |
| 9851 Costa Mesa Ln Unit 1546344P Bonita Springs, FL | 2.0 | 2.0 | 1194 | $1,935 | $1.62 | 16d | 1 | 0.48mi |
| 15985 Arbor View Blvd Naples, FL | 2.0–4.0 | 2.0 | 1208 | $1,848 | $1.53 | 14d | 14 | 0.59mi |
| 28611 Carriage Home Dr #101 Bonita Springs, FL | 2.0 | 2.0 | 1433 | $2,550 | $1.78 | 24d | 1 | 0.59mi |
| 9030 Las Maderas Dr #101 Bonita Springs, FL | 2.0 | 2.0 | 1432 | $2,500 | $1.75 | 24d | 1 | 0.76mi |
| 9050 Las Maderas Dr #101 Bonita Springs, FL | 2.0 | 2.0 | 1364 | $2,100 | $1.54 | 24d | 1 | 0.79mi |
| 1130 Turtle Creek Blvd Naples, FL | 1.0–2.0 | 1.0–2.0 | 800 | $2,145 | $2.68 | 14d | 22 | 0.82mi |
| 28052 Palmas Grandes Ln #101 Bonita Springs, FL | 2.0 | 2.0 | 1500 | $7,200 | $4.80 | 24d | 1 | 0.85mi |
| 28105 Mandolin Ct #213 Bonita Springs, FL | 3.0 | 2.0 | 1500 | $2,600 | $1.73 | 24d | 1 | 0.88mi |
| 9050 Palmas Grandes Blvd #101 Bonita Springs, FL | 2.0 | 2.0 | 1200 | $2,000 | $1.67 | 24d | 1 | 0.90mi |
| 3921 Leeward Passage Ct #203 Bonita Springs, FL | 2.0 | 2.0 | 1204 | $3,500 | $2.91 | 24d | 1 | 1.08mi |
| 1025 Tarpon Cove Dr #203 Naples, FL | 2.0 | 2.0 | 1225 | $5,500 | $4.49 | 14d | 1 | 1.09mi |
| 28940 Bermuda Pointe Cir #102 Bonita Springs, FL | 2.0 | 2.0 | 1076 | $5,500 | $5.11 | 24d | 1 | 1.09mi |
| 28720 Bermuda Bay Way #205 Bonita Springs, FL | 2.0 | 2.0 | 1097 | $2,200 | $2.01 | 15d | 1 | 1.12mi |
| 3941 Leeward Passage Ct #203 Bonita Springs, FL | 2.0 | 2.0 | 1204 | $2,000 | $1.66 | 24d | 1 | 1.13mi |
| 3930 Windward Passage Cir #202 Bonita Springs, FL | 2.0 | 2.0 | 1478 | $1,900 | $1.29 | 16d | 1 | 1.16mi |
| 3951 Windward Passage Cir #102 Bonita Springs, FL | 2.0 | 2.0 | 1397 | $5,200 | $3.72 | 24d | 1 | 1.18mi |
| 975 Tarpon Cove Dr #204 Naples, FL | 3.0 | 2.0 | 1340 | $5,500 | $4.10 | 14d | 1 | 1.21mi |
| 9002 Somerset Ln Unit 9002 Bonita Springs, FL | 2.0 | 2.0 | 1200 | $2,500 | $2.08 | 15d | 1 | 1.22mi |
| 27911 Hacienda East Blvd Unit 217B Bonita Springs, FL | 2.0 | 2.0 | 1500 | $2,100 | $1.40 | 4d | 1 | 1.25mi |
| 953 Bunker Hill Dr Naples, FL | 2.0 | 2.0 | 1100 | $3,200 | $2.91 | 14d | 1 | 1.26mi |
| 3463 Brink Cir Bonita Springs, FL | 2.0 | 1.0 | 1000 | $2,150 | $2.15 | 24d | 1 | 1.28mi |
| 3503 Brink Cir Bonita Springs, FL | 2.0 | 3.0 | 1300 | $2,200 | $1.69 | 24d | 1 | 1.29mi |
| 27671 Arroyal Rd #108 Bonita Springs, FL | 2.0 | 1.0 | 1090 | $1,900 | $1.74 | 24d | 1 | 1.31mi |
| 513 Lake Louise Cir #202 Naples, FL | 2.0 | 2.0 | 1444 | $5,300 | $3.67 | 24d | 1 | 1.32mi |
| 505 Lake Louise Cir #101 Naples, FL | 2.0 | 2.0 | 1444 | $5,500 | $3.81 | 24d | 1 | 1.33mi |
HOA detail condo
- Monthly dues
- $977 · $11,724/yr
- Likely covers
- waterpoolgym
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 28 events
-
2026-06-18days on market $259,900 Active 136 DOM
-
2026-06-17days on market $259,900 Active 135 DOM
-
2026-06-16days on market $259,900 Active 134 DOM
-
2026-06-15days on market $259,900 Active 133 DOM
-
2026-06-14days on market $259,900 Active 131 DOM
-
2026-06-10days on market $259,900 Active 128 DOM
-
2026-06-09days on market $259,900 Active 127 DOM
-
2026-06-08days on market $259,900 Active 126 DOM
-
2026-06-07days on market $259,900 Active 125 DOM
-
2026-06-03days on market $259,900 Active 121 DOM
-
2026-06-02days on market $259,900 Active 120 DOM
-
2026-06-01days on market $259,900 Active 119 DOM
-
2026-05-31days on market $259,900 Active 118 DOM
-
2026-05-30days on market $259,900 Active 117 DOM
-
2026-05-16price $259,900
-
2026-04-02price $269,900
-
2026-03-10price $274,900
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2026-02-16price $289,900
-
2026-02-02$299,000 Active
-
2020-07-13soldstatus $175,000
-
2020-07-09soldstatus $175,000 Sold 1046-char remark
Show marketing remark (1046 chars)
Light and Bright, First floor home with fabulous Sunsets! Enjoy living your SW FL dream in this lovely condo with 2 spacious bedrooms, 2 bathrooms and a glassed-in lanai area that expands your living area. Overlooking the peaceful preserve and water, this home offers new stainless steel kitchen appliances that are only a few weeks old, the A/C and water heater were new in 2019 and the Master Bathroom has been totally redone! Beautiful flooring (also in the guest bathroom), fabulous shower enclosure with large shower head, and quartz counter. Tile floors in all main areas, great sliding doors to small patio area in Guest Bedroom and French doors that close off one side of the Master Bedroom. Sterling Oaks offers resort-style living with a new Clubhouse, Bocce Ball, Pickle Ball Courts, a Jr Olympic Pool with a Tiki Bar to enjoy snacks and beverages while relaxing by the pool. 12 Har-Tru Tennis Courts, Restaurant and Fitness Center. You are only a few miles to white sandy beaches, shopping, restaurants and RSW International Airport.
-
2020-06-25status Pending 1046-char remark
Show marketing remark (1046 chars)
Light and Bright, First floor home with fabulous Sunsets! Enjoy living your SW FL dream in this lovely condo with 2 spacious bedrooms, 2 bathrooms and a glassed-in lanai area that expands your living area. Overlooking the peaceful preserve and water, this home offers new stainless steel kitchen appliances that are only a few weeks old, the A/C and water heater were new in 2019 and the Master Bathroom has been totally redone! Beautiful flooring (also in the guest bathroom), fabulous shower enclosure with large shower head, and quartz counter. Tile floors in all main areas, great sliding doors to small patio area in Guest Bedroom and French doors that close off one side of the Master Bedroom. Sterling Oaks offers resort-style living with a new Clubhouse, Bocce Ball, Pickle Ball Courts, a Jr Olympic Pool with a Tiki Bar to enjoy snacks and beverages while relaxing by the pool. 12 Har-Tru Tennis Courts, Restaurant and Fitness Center. You are only a few miles to white sandy beaches, shopping, restaurants and RSW International Airport.
-
2020-05-11price $185,000 1046-char remark
Show marketing remark (1046 chars)
Light and Bright, First floor home with fabulous Sunsets! Enjoy living your SW FL dream in this lovely condo with 2 spacious bedrooms, 2 bathrooms and a glassed-in lanai area that expands your living area. Overlooking the peaceful preserve and water, this home offers new stainless steel kitchen appliances that are only a few weeks old, the A/C and water heater were new in 2019 and the Master Bathroom has been totally redone! Beautiful flooring (also in the guest bathroom), fabulous shower enclosure with large shower head, and quartz counter. Tile floors in all main areas, great sliding doors to small patio area in Guest Bedroom and French doors that close off one side of the Master Bedroom. Sterling Oaks offers resort-style living with a new Clubhouse, Bocce Ball, Pickle Ball Courts, a Jr Olympic Pool with a Tiki Bar to enjoy snacks and beverages while relaxing by the pool. 12 Har-Tru Tennis Courts, Restaurant and Fitness Center. You are only a few miles to white sandy beaches, shopping, restaurants and RSW International Airport.
-
2020-02-25$190,000 Active 1046-char remark
Show marketing remark (1046 chars)
Light and Bright, First floor home with fabulous Sunsets! Enjoy living your SW FL dream in this lovely condo with 2 spacious bedrooms, 2 bathrooms and a glassed-in lanai area that expands your living area. Overlooking the peaceful preserve and water, this home offers new stainless steel kitchen appliances that are only a few weeks old, the A/C and water heater were new in 2019 and the Master Bathroom has been totally redone! Beautiful flooring (also in the guest bathroom), fabulous shower enclosure with large shower head, and quartz counter. Tile floors in all main areas, great sliding doors to small patio area in Guest Bedroom and French doors that close off one side of the Master Bedroom. Sterling Oaks offers resort-style living with a new Clubhouse, Bocce Ball, Pickle Ball Courts, a Jr Olympic Pool with a Tiki Bar to enjoy snacks and beverages while relaxing by the pool. 12 Har-Tru Tennis Courts, Restaurant and Fitness Center. You are only a few miles to white sandy beaches, shopping, restaurants and RSW International Airport.
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2017-02-07historical
-
2016-06-15$220,000 Active
-
2001-11-06soldstatus $122,000
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1998-11-20soldstatus $109,000
ⓘ 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
- $2,147 · $179/mo
- Projected year-2 tax
- $2,157 · $180/mo
- Expected delta
- +$10/yr (+$1/mo · 0.5%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 5/10 Major FEMA zone AH · 24% chance over 30 yrs
- Wildfire 2/10 Low
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 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
- $53,115
- − Mortgage interest
- −$14,558
- − Property taxes
- −$2,147
- − Insurance
- −$3,124
- − Repairs & maintenance
- −$4,249
- − Management
- −$4,249
- − HOA
- −$11,724
- − Depreciation
- −$7,561
- Taxable income
- $5,502
- Est. tax owed @ 24.0%
- −$1,320
- After-tax cash flow
- $7,290/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.
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 — Bonita Springs
- Score
- 70/100
- State rank
- #428
- US rank
- #7576
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Collier County · 396,295 people
- City population
- 64,727
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 25,630
- Household income
- $97,564
- Rent vs Own
- Severe rent burden
- 1006.0
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 (84%)
- Race & ethnicity
- White 84% Hispanic / Latino 10% Two or more races 9% Asian 2% Black 1%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 1% Cuban 3%
- Common ancestry
- Romanian 4% Lithuanian 3% Slovak 2%
- Foreign-born
- 11% · Canada, South Korea
- Languages at home
- 87% English-only · Spanish 7% Other Indo-European 3% French/Haitian/Cajun 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
- ▼ -172.68%
- Current HPI
- 267.4644
- Rent YoY
- ▼ -1.06%
- 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 |
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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
+138.4% since first listed14 events — show timeline
- 2026-05-16 Price Changed $259,900 NAPLESMLS
- 2026-04-02 Price Changed $269,900 NAPLESMLS
- 2026-03-10 Price Changed $274,900 NAPLESMLS
- 2026-02-16 Price Changed $289,900 NAPLESMLS
- 2026-02-02 Listed $299,000 NAPLESMLS
- 2020-07-13 Sold (Public Records) $175,000 Public Records
- 2020-07-09 Sold (MLS) $175,000 NAPLESMLS
- 2020-06-25 Pending — NAPLESMLS
- 2020-05-11 Price Changed $185,000 NAPLESMLS
- 2020-02-25 Listed $190,000 NAPLESMLS
- 2017-02-07 Listing Removed — NAPLESMLS
- 2016-06-15 Listed $220,000 NAPLESMLS
- 2001-11-06 Sold (Public Records) $122,000 Public Records
- 1998-11-20 Sold (Public Records) $109,000 Public Records
Property tax history
+5.1%/yrLatest (2025): $2,147 · +0.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…