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6829 Satinleaf Rd S #204
C+ Composite 64.96
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 +23.5/30.0
  • 1% rule +7.6/10.0
  • DSCR +7.6/10.0
  • ARV discount +7.5/15.0
  • Appreciation +5.1/10.0
  • Schools +5.0/10.0
  • Livability +3.4/5.0
  • Rent growth +2.7/5.0
  • Condition / age +2.5/5.0

$435,000

6829 Satinleaf Rd S #204 · Pine Ridge, FL 34109
3 bd · 2.0 ba · 1,696 sqft · Condo public records · 35 Days on market
Built 1997 $783/mo HOA · 14% of rent

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

C4896 - Amazing view, sophisticated upgrades, incredible location! This beautiful property is a 3 bedroom, 2 bath, 2nd floor-end unit, volume ceilings, feels like a single family home! Brand new, dream kitchen for the gourmet chef or intense baker! Enjoy all the self-closing cabinets & drawers. .. uppers & lowers, granite counters, back splash with under counter lighting, baking center, stainless steel appliances as well as a custom pantry! The bathrooms have all been updated with new vanities, sinks, toilets, tile. Hunter Douglas window coverings throughout along with new carpeting in the bedrooms. Plantation shutters in kitchen as well as entry way & electric hurricane shutters on rear lanai. This condo will feel like home from the minute you enter the front door! The Calusa Bay community replaced the roofs in 2019, new street lights & completely repainted all buildings in 2020. Enjoy all of the amenities including the community pool(s), exercise room, tennis courts, nature walking paths & more for very a reasonable quarterly fees of only $1600.00. Calusa Bay is ideally located close-in to all shopping, schools, medical facilities and our magnificent white sandy beaches!

Key facts

  • Custom cabinetry
  • Dedicated coffee bar
  • Updated kitchen

Tags

REFINED UPGRADESUPDATED KITCHENGRANITE COUNTERTOPSCUSTOM CABINETRYUNDER-CABINET LIGHTINGDEDICATED COFFEE BAR

Property features AI

Finance

  • Other: Part of Calusa Bay South subdivision; Property is in a multi-unit complex (8 units in building, 342 units in complex)
  • HOA & community: Mandatory HOA (professional management); Quarterly condo fee; Quarterly condo fee amount: $2,349; Total annual recurring fees: $9,396; One-time fees: $100; HOA maintenance covers cable, insurance, internet/WiFi, irrigation water, lawn/land maintenance, recreation facilities, reserves, security, street lights, and street maintenance; Community amenities include basketball, BBQ/picnic area, bike and jog path, bike storage, clubhouse, community pool, community spa/hot tub, exercise room, internet access, play area, sidewalk, and tennis court

Exterior

  • Parking: 1 assigned covered parking; Detached 1-car carport
  • Security: Gated community; Community security included in maintenance
  • Utilities: Central water; Central sewer; Cable available; Reclaimed irrigation
  • Home design: Residential property; Low-rise (1-3) building; End-unit; Rear exposure faces northwest; Zero lot line
  • Construction: Built in 1997; Concrete block construction; Stucco exterior; Tile roof; Single-hung windows
  • Exterior features: Lake view; Water feature on property; Shutters (electric)

Interior

  • Kitchen: Cooktop - Electric; Self-cleaning oven; Dishwasher; Microwave; Refrigerator/Icemaker; Pantry
  • Bedrooms: 3 bedrooms
  • Flooring: Carpet; Tile
  • Bathrooms: 2 full bathrooms; Master bath with dual sinks and shower
  • Heating & cooling: Central electric heat; Central electric cooling
  • Interior features: Cable prewire; Foyer; Pantry; Smoke detectors; Vaulted ceiling; Walk-in closet; Window coverings; Breakfast bar / Eat-in kitchen; Laundry in residence; Screened lanai/porch; Split bedrooms floor plan
  • Laundry & utility: Washer and dryer in unit

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath condo listed at $435k.

Deal economics

  • At list price, monthly cash flow is $812 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($5k rent vs $435k).
  • Recommended offer: $422k (3.0% below list) — sets the bar for market timing.
  • Cap rate 8.5% vs local median 3.4% in Pine Ridge — 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 67/100 on livability (#565 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, cost of living A-; Watch: health & safety C-, 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 flat; 424 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 $5,498/mo this rent would consume 72% of the median local household income ($92k/yr) (locally 1712% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • In year one you build about $4k of equity ($3k loan paydown + $1k appreciation (0.3% local appreciation)).
  • Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (0.3% appreciation + 0.9% rent growth), your $122k cash investment doubles in ~8 years — after that, you're playing with house money.
  • By year 7, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 35 days — a 3% lower offer ($422k) is reasonable based on typical stale-listing flexibility.
  • 4 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.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $421,950 (3.0% below list)

Questions for the listing agent

  1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. 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?
  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 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
1.26%
Cap rate
8.53%
Cash-on-cash
8.00%
DSCR
1.36
GRM
6.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

0.29% appreciation · 0.92% rent growth · sell at horizon

5-year hold
IRR
5.9%
Equity multiple
1.28×
Total profit
$34,221
Equity at exit
$132,763
10-year hold
IRR
9.2%
Equity multiple
1.97×
Total profit
$117,721
Equity at exit
$164,831

Cash invested: $121,800 (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.

ZIP-level market 34109

Home prices YoY
0.1%
Rents YoY
0.9%
Active inventory
424
Price-to-rent
6.6×

Monthly cashflow live

Estimated rent
$5,498 high interval (Pro) →
Mortgage (P&I)
$2,281
Tax from tax record
$285 /mo · $3,424/yr
Insurance
$181
HOA
$783
Vacancy / Maint / Mgmt
$1,155
Net cashflow
$812

Break-even live

Break-even rent $4,469
Max offer price $435,000
Occupancy floor 80%

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
$108,750
Closing costs
$13,050
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

AddressBedsBaths SqftRent$/sqft DOM Units Dist
7127 Blue Juniper Ct #201 Naples, FL 3.0 2.0 2040 $3,500 $1.72 23d 1 0.05mi
6816 Satinleaf Rd S #102 Naples, FL 2.0 2.0 1282 $5,000 $3.90 23d 1 0.09mi
7117 Timberland Cir Naples, FL 3.0 2.0 1749 $3,995 $2.28 14d 1 0.12mi
6800 Satinleaf Rd S #104 Naples, FL 3.0 2.0 1616 $3,200 $1.98 23d 1 0.18mi
7080 Timberland Cir Naples, FL 3.0 2.0 1882 $4,500 $2.39 23d 1 0.23mi
6883 Redbay Park Rd #102 Naples, FL 2.0 2.0 1570 $2,700 $1.72 23d 1 0.27mi
6984 Burnt Sienna Cir Naples, FL 3.0 2.0 1749 $12,000 $6.86 23d 1 0.28mi
6934 Rain Lily Ct #103 Naples, FL 2.0 2.0 1282 $5,200 $4.06 23d 1 0.30mi
6934 Rain Lily Ct #102 Naples, FL 2.0 2.0 1282 $4,500 $3.51 23d 1 0.30mi
516 Gordonia Rd Naples, FL 2.0 1.0 1100 $3,200 $2.91 23d 1 0.32mi
6855 Old Banyan Way Naples, FL 2.0 2.0 1684 $7,000 $4.16 23d 1 0.39mi
6910 Satinleaf Rd N #101 Naples, FL 3.0 2.0 1616 $6,000 $3.71 23d 1 0.40mi
6914 Satinleaf Rd N #103 Naples, FL 2.0 2.0 1404 $6,200 $4.42 23d 1 0.40mi
1934 Timberline Dr Unit 1049713P Naples, FL 3.0 2.0 2055 $8,191 $3.99 21d 1 0.53mi
131 Cajeput Dr Naples, FL 3.0 2.0 2092 $7,500 $3.59 23d 1 0.58mi
8139 Las Palmas Way Naples, FL 3.0 3.0 2100 $4,995 $2.38 23d 1 0.75mi
7707 Jewel Ln #201 Naples, FL 3.0 2.0 1199 $2,900 $2.42 23d 1 0.76mi
871 Tanbark Dr #102 Naples, FL 2.0 2.0 1203 $7,500 $6.23 23d 1 0.84mi
886 Tanbark Dr #103 Naples, FL 2.0 2.0 1203 $9,500 $7.90 23d 1 0.86mi
818 Tanbark Dr #204 Naples, FL 3.0 2.0 1481 $5,000 $3.38 23d 1 0.86mi
818 Tanbark Dr #102 Naples, FL 2.0 2.0 1203 $7,500 $6.23 21d 1 0.86mi
818 Tanbark Dr #103 Naples, FL 2.0 2.0 1203 $8,000 $6.65 23d 1 0.86mi
7750 Jewel Ln #103 Naples, FL 2.0 2.0 1102 $2,100 $1.91 14d 1 0.89mi
7750 Jewel Ln #101 Naples, FL 3.0 2.0 1199 $2,400 $2.00 21d 1 0.89mi
824 Tanbark Dr #204 Naples, FL 3.0 2.0 1481 $12,000 $8.10 14d 1 0.89mi
832 Tanbark Dr #104 Naples, FL 2.0 2.0 1203 $8,500 $7.07 23d 1 0.90mi
859 Tanbark Dr Naples, FL 2.0 2.0 1252 $6,000 $4.79 21d 2 0.90mi
859 Tanbark Dr #205 Naples, FL 2.0 2.0 1203 $8,500 $7.07 14d 1 0.90mi
859 Tanbark Dr Naples, FL 2.0 2.0 1252 $5,875 $4.69 23d 3 0.90mi
8824 Ventura Way Naples, FL 3.0 3.0 2078 $8,000 $3.85 23d 1 0.91mi
823 Tanbark Dr #101 Naples, FL 3.0 2.0 1481 $9,500 $6.41 23d 1 0.91mi
65 Emerald Woods Dr Unit E8 Naples, FL 2.0 2.5 1360 $2,400 $1.76 23d 1 0.92mi
816 Turkey Oak Ln Naples, FL 3.0 2.5 2231 $25,000 $11.21 23d 1 0.92mi
829 Tanbark Dr #104 Naples, FL 2.0 2.0 1370 $8,500 $6.20 23d 1 0.92mi
61 Emerald Woods Dr Unit D2 Naples, FL 2.0 2.5 1360 $3,200 $2.35 23d 1 0.93mi
853 Tanbark Dr Naples, FL 2.0 2.0 1331 $8,650 $6.50 23d 2 0.95mi
7774 Jewel Ln #201 Naples, FL 3.0 2.0 1299 $2,800 $2.16 23d 1 0.95mi
7271 Mill Pond Cir Naples, FL 3.0 2.0 1700 $8,250 $4.85 23d 1 0.96mi
8864 Ventura Way Naples, FL 3.0 3.0 2053 $4,500 $2.19 23d 1 0.97mi
847 Tanbark Dr #101 Naples, FL 3.0 2.0 1340 $9,500 $7.09 23d 1 0.98mi

HOA detail condo

Monthly dues
$783 · $9,396/yr
Likely covers
electricpool
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 31 events

  1. 2026-06-18
    days on market $435,000 Active 35 DOM
  2. 2026-06-17
    days on market $435,000 Active 34 DOM
  3. 2026-06-16
    days on market $435,000 Active 33 DOM
  4. 2026-06-15
    days on market $435,000 Active 32 DOM
  5. 2026-06-14
    days on market $435,000 Active 30 DOM
  6. 2026-06-10
    days on market $435,000 Active 27 DOM
  7. 2026-06-09
    days on market $435,000 Active 26 DOM
  8. 2026-06-08
    days on market $435,000 Active 25 DOM
  9. 2026-06-07
    days on market $435,000 Active 24 DOM
  10. 2026-06-03
    days on market $435,000 Active 20 DOM
  11. 2026-06-02
    days on market $435,000 Active 19 DOM
  12. 2026-06-01
    days on market $435,000 Active 18 DOM
  13. 2026-05-31
    days on market $435,000 Active 17 DOM
  14. 2026-05-30
    days on market $435,000 Active 16 DOM
  15. 2026-05-14
    listed $435,000 Active
  16. 2022-04-04
    soldstatus $480,000
  17. 2022-03-24
    soldstatus $480,000 Sold 1227-char remark
    Show marketing remark (1227 chars)

    C4896 - Amazing view, sophisticated upgrades, incredible location! This beautiful property is a 3 bedroom, 2 bath, 2nd floor-end unit, volume ceilings, feels like a single family home! Brand new, dream kitchen for the gourmet chef or intense baker! Enjoy all the self-closing cabinets & drawers. .. uppers & lowers, granite counters, back splash with under counter lighting, baking center, stainless steel appliances as well as a custom pantry! The bathrooms have all been updated with new vanities, sinks, toilets, tile. Hunter Douglas window coverings throughout along with new carpeting in the bedrooms. Plantation shutters in kitchen as well as entry way & electric hurricane shutters on rear lanai. This condo will feel like home from the minute you enter the front door! The Calusa Bay community replaced the roofs in 2019, new street lights & completely repainted all buildings in 2020. Enjoy all of the amenities including the community pool(s), exercise room, tennis courts, nature walking paths & more for very a reasonable quarterly fees of only $1600.00. Calusa Bay is ideally located close-in to all shopping, schools, medical facilities and our magnificent white sandy beaches!

  18. 2022-02-27
    status Pending With Contingencies 1227-char remark
    Show marketing remark (1227 chars)

    C4896 - Amazing view, sophisticated upgrades, incredible location! This beautiful property is a 3 bedroom, 2 bath, 2nd floor-end unit, volume ceilings, feels like a single family home! Brand new, dream kitchen for the gourmet chef or intense baker! Enjoy all the self-closing cabinets & drawers. .. uppers & lowers, granite counters, back splash with under counter lighting, baking center, stainless steel appliances as well as a custom pantry! The bathrooms have all been updated with new vanities, sinks, toilets, tile. Hunter Douglas window coverings throughout along with new carpeting in the bedrooms. Plantation shutters in kitchen as well as entry way & electric hurricane shutters on rear lanai. This condo will feel like home from the minute you enter the front door! The Calusa Bay community replaced the roofs in 2019, new street lights & completely repainted all buildings in 2020. Enjoy all of the amenities including the community pool(s), exercise room, tennis courts, nature walking paths & more for very a reasonable quarterly fees of only $1600.00. Calusa Bay is ideally located close-in to all shopping, schools, medical facilities and our magnificent white sandy beaches!

  19. 2022-02-25
    listed $479,900 Active 1227-char remark
    Show marketing remark (1227 chars)

    C4896 - Amazing view, sophisticated upgrades, incredible location! This beautiful property is a 3 bedroom, 2 bath, 2nd floor-end unit, volume ceilings, feels like a single family home! Brand new, dream kitchen for the gourmet chef or intense baker! Enjoy all the self-closing cabinets & drawers. .. uppers & lowers, granite counters, back splash with under counter lighting, baking center, stainless steel appliances as well as a custom pantry! The bathrooms have all been updated with new vanities, sinks, toilets, tile. Hunter Douglas window coverings throughout along with new carpeting in the bedrooms. Plantation shutters in kitchen as well as entry way & electric hurricane shutters on rear lanai. This condo will feel like home from the minute you enter the front door! The Calusa Bay community replaced the roofs in 2019, new street lights & completely repainted all buildings in 2020. Enjoy all of the amenities including the community pool(s), exercise room, tennis courts, nature walking paths & more for very a reasonable quarterly fees of only $1600.00. Calusa Bay is ideally located close-in to all shopping, schools, medical facilities and our magnificent white sandy beaches!

  20. 2015-09-11
    soldstatus $300,000
  21. 2015-09-03
    soldstatus $300,000 1260-char remark
    Show marketing remark (1260 chars)

    An absolutely STUNNING 3 bedroom home in highly desired Calusa Bay projects the "wow" factor! When this home was purchased just 4 years ago, it was completely gutted & finished to perfection. Upon entering, you are welcomed by a beautifully tiled foyer with storage closet, & decorative tile continuing up the stairs. The kitchen was completely remodeled with gorgeous hardwood cabinetry, granite counters, LED lighting & all new appliances including a slide in oven. Every inch of the home was painted, including walls, doors & ceilings. The bathrooms were brought down to the studs and include a custom shower in the master with seat, glass block, frameless shower door, beautiful solid wood cabinets & warm granite counters. The air conditioning was replaced too. This home shows like a model and is move in ready! Gorgeous lake views with water display! Calusa Bay features a newly remodeled clubhouse with pool & spa, a cabana pool, separate fitness center, library, lighted tennis courts and more. You're just 2 miles to Mercato, 3 miles to Vanderbilt & Clam Pass Beaches & walking distance to the library. It doesn't get much better than this! Please view the tour & see this beauty today!

  22. 2015-09-03
    price $309,000 1260-char remark
    Show marketing remark (1260 chars)

    An absolutely STUNNING 3 bedroom home in highly desired Calusa Bay projects the "wow" factor! When this home was purchased just 4 years ago, it was completely gutted & finished to perfection. Upon entering, you are welcomed by a beautifully tiled foyer with storage closet, & decorative tile continuing up the stairs. The kitchen was completely remodeled with gorgeous hardwood cabinetry, granite counters, LED lighting & all new appliances including a slide in oven. Every inch of the home was painted, including walls, doors & ceilings. The bathrooms were brought down to the studs and include a custom shower in the master with seat, glass block, frameless shower door, beautiful solid wood cabinets & warm granite counters. The air conditioning was replaced too. This home shows like a model and is move in ready! Gorgeous lake views with water display! Calusa Bay features a newly remodeled clubhouse with pool & spa, a cabana pool, separate fitness center, library, lighted tennis courts and more. You're just 2 miles to Mercato, 3 miles to Vanderbilt & Clam Pass Beaches & walking distance to the library. It doesn't get much better than this! Please view the tour & see this beauty today!

  23. 2015-03-09
    listed $300,000 1260-char remark
    Show marketing remark (1260 chars)

    An absolutely STUNNING 3 bedroom home in highly desired Calusa Bay projects the "wow" factor! When this home was purchased just 4 years ago, it was completely gutted & finished to perfection. Upon entering, you are welcomed by a beautifully tiled foyer with storage closet, & decorative tile continuing up the stairs. The kitchen was completely remodeled with gorgeous hardwood cabinetry, granite counters, LED lighting & all new appliances including a slide in oven. Every inch of the home was painted, including walls, doors & ceilings. The bathrooms were brought down to the studs and include a custom shower in the master with seat, glass block, frameless shower door, beautiful solid wood cabinets & warm granite counters. The air conditioning was replaced too. This home shows like a model and is move in ready! Gorgeous lake views with water display! Calusa Bay features a newly remodeled clubhouse with pool & spa, a cabana pool, separate fitness center, library, lighted tennis courts and more. You're just 2 miles to Mercato, 3 miles to Vanderbilt & Clam Pass Beaches & walking distance to the library. It doesn't get much better than this! Please view the tour & see this beauty today!

  24. 2011-02-04
    soldstatus $165,000
  25. 2011-01-15
    historical
  26. 2011-01-15
    price $171,500
  27. 2010-10-22
    listed $165,000
  28. 2006-09-13
    soldstatus $370,000
  29. 2004-12-23
    soldstatus $228,000
  30. 1997-08-08
    soldstatus $432,000
  31. 1997-08-01
    soldstatus $432,000

ⓘ 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
$3,424 · $285/mo
Projected year-2 tax
$3,610 · $301/mo
Expected delta
+$187/yr (+$16/mo · 5.5%)

ⓘ 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 (shaded) · 13% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$65,973
− Mortgage interest
−$24,367
− Property taxes
−$3,424
− Insurance
−$2,175
− Repairs & maintenance
−$5,278
− Management
−$5,278
− HOA
−$9,396
− Depreciation
−$12,655
Taxable income
$3,402
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$816
After-tax cash flow
$8,934/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 — Pine Ridge

Score
67/100
State rank
#565
US rank
#10798

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Collier County · 396,295 people
City population
18,514
Metro
Naples-Marco Island, FL
Population (ZIP)
27,273
Household income
$92,259
Rent vs Own
33.3% rent · 66.7% own
Severe rent burden
1712.0

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 (78%)
Race & ethnicity
White 78% Hispanic / Latino 11% Two or more races 9% Black 4% Asian 4%
Hispanic origin (detail)
Mexican 1% Puerto Rican 1% Cuban 3%
Common ancestry
Romanian 5% Scotch-Irish 3% Lithuanian 2%
Foreign-born
20% · Canada, Jamaica, Vietnam
Languages at home
77% English-only · Spanish 10% Other Indo-European 5% Russian/Polish/Slavic 3%

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
▲ 0.29%
Current HPI
279.357
Rent YoY
▲ 0.92%
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

Price history

+0.7% since first listed
17 events — show timeline
  • 2026-05-14 Listed $435,000 BEARMLS
  • 2022-04-04 Sold (Public Records) $480,000 Public Records
  • 2022-03-24 Sold (MLS) $480,000 NAPLESMLS
  • 2022-02-27 Pending NAPLESMLS
  • 2022-02-25 Listed $479,900 NAPLESMLS
  • 2015-09-11 Sold (Public Records) $300,000 Public Records
  • 2015-09-03 Price Changed $309,000 NAPLESMLS
  • 2015-09-03 Sold (MLS) $300,000 NAPLESMLS
  • 2015-03-09 Listed $300,000 NAPLESMLS
  • 2011-02-04 Sold (MLS) $165,000 FORTMLS
  • 2011-01-15 Price Changed $171,500 FORTMLS
  • 2011-01-15 Listing Removed FORTMLS
  • 2010-10-22 Listed $165,000 FORTMLS
  • 2006-09-13 Sold (Public Records) $370,000 Public Records
  • 2004-12-23 Sold (Public Records) $228,000 Public Records
  • 1997-08-08 Sold (Public Records) $432,000 Public Records
  • 1997-08-01 Sold (Public Records) $432,000 Public Records

Property tax history

+9.3%/yr

Latest (2025): $3,424 · -0.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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