6824 Sterling Greens Pl #3303 · Naples, FL
Flood risk 5/10 · Moderate
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.24%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 107°F)
- 5 days/yr
- Hot days in 30 yrs
- 18 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
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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 +15.8/30.0
- ARV discount +15.0/15.0
- 1% rule +9.4/10.0
- DSCR +4.9/10.0
- Schools +4.9/10.0
- Livability +4.0/5.0
- Condition / age +3.8/5.0
- Rent growth +2.2/5.0
- Appreciation +0.0/10.0
$274,999
6824 Sterling Greens Pl #3303 · Naples, FL 34104
2 bd · 2.0 ba · 1,330 sqft · Condo
· 387 Days on market
Built 2004
$207/sqft
· 25% below area
Est $367k · 25% under
$1111/mo HOA · 28% of rent
↓ 8% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Discover a magnificent opportunity at Glen Eagle! This wonderful 3rd-floor, turnkey two-bedroom, two-bathroom property includes a FULL GOLF MEMBERSHIP, making it an exceptional value. Spanning 1330 sq ft, the home features a spacious great room and a lovely dining room with seating for six. The eat-in kitchen boasts Corian countertops and a breakfast bar for four. The primary suite offers luxurious vinyl flooring, his and her closets, and a glass-enclosed shower. An in-residence washer and dryer add convenience. The second bedroom also features luxury vinyl flooring.
Key facts
- Spacious great room
- Corian counter tops
- Glass shower door
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath condo listed at $275k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $125 ($1k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $275k).
- Recommended offer: $242k (12.0% below list) — sets the bar for market timing.
- Cap rate 6.8% vs local median 2.4% in Naples — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 80/100 on livability (#126 in FL, #1,903 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, employment A+; Watch: commute D+, cost of living F.
- Collier (suburban): math 60% / reading 56% proficiency, ranked #16 of 73 in FL (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Calusa Park Elementary School (math 59% / reading 56%, grade C+, #764 of 2,144 statewide, top 36%, 707 students, 62% FRL); East Naples Middle School (math 56% / reading 44%, grade C, #254 of 571 statewide, top 45%, 854 students, 63% FRL); Lely High School (math 40% / reading 39%, grade F, #304 of 667 statewide, top 47%, 1,504 students, 54% FRL) — zoned schools at 60% FRL track the district average.
- Market conditions: Rents soft (-1.1%/yr); 572 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 51d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
- At $3,970/mo this rent would consume 66% of the median local household income ($72k/yr) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $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 387 days — a 12% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: HOA is 28% of rent.
- Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 5→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$241,999
(12.0% below list)
Questions for the listing agent
- It's been on market 387 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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
- 1.44% ✓
- Cap rate
- 6.84%
- Cash-on-cash
- 1.94%
- DSCR
- 1.09
- GRM
- 5.8
CMA / ARV
- ARV (median comp)
- $366,918
- List price
- $274,999
- Delta
- -25.05%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1615 Windy Pines Dr #5 | 0.85mi | 2/2.0 | 1,349 (+1%) | 0mo | $311,000 | $231 | 62 |
| 1695 Windy Pines Dr #2 | 0.82mi | 2/2.0 | 1,349 (+1%) | 0mo | $255,000 | $189 | 62 |
| 7220 Coventry Ct #210 | 0.35mi | 2/2.0 | 1,134 (-15%) | 0mo | $343,000 | $302 | 59 |
| 1344 Derbyshire Ct Unit D-101 | 1.22mi | 3/2.0 (+1) | 1,350 (+2%) | 0mo | $248,000 | $184 | 57 |
| 380 Gabriel Cir #8 | 1.46mi | 2/2.0 | 1,406 (+6%) | 0mo | $335,000 | $238 | 55 |
| 1200 Commonwealth Cir #103 | 1.30mi | 2/2.0 | 1,245 (-6%) | 0mo | $237,500 | $191 | 54 |
| 420 Fox Haven Dr #3110 | 1.06mi | 2/2.0 | 1,450 (+9%) | 0mo | $325,000 | $224 | 50 |
| 116 Foxtail Ct Unit 1-116 | 1.26mi | 2/2.0 | 1,450 (+9%) | 0mo | $492,500 | $340 | 50 |
| 2620 Seychelles Cir #1302 | 1.47mi | 2/2.0 | 1,467 (+10%) | 0mo | $400,000 | $273 | 47 |
| 749 Landover Cir #203 | 1.08mi | 3/2.0 (+1) | 1,450 (+9%) | 0mo | $229,000 | $158 | 45 |
| 484 Crossfield Cir | 1.17mi | 2/2.0 | 1,611 (+21%) | 0mo | $589,900 | $366 | 40 |
| 3420 W Crown Pointe Blvd #202 | 1.47mi | 3/2.0 (+1) | 1,630 (+23%) | 0mo | $265,000 | $163 | 35 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 0.0% rent growth · sell at horizon
5-year hold
- IRR
- -18.3%
- Equity multiple
- 0.38×
- Total profit
- $-47,516
- Equity at exit
- $41,003
10-year hold
- IRR
- -24.7%
- Equity multiple
- 0.05×
- Total profit
- $-73,100
- Equity at exit
- $23,777
Cash invested: $77,000 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Florida
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.
Active competition Active MLS
- For sale now
- 38 active · 23 under contract
- Median asking
- $305,950 ($244/sqft)
- Median days on market
- 127 d
- This list price
- 34% of active listings are priced below it
- ARV vs active asking
- +12.8% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34104
- Rents YoY
- -1.1%
- Active inventory
- 572
- Price-to-rent
- 5.8×
Monthly cashflow live
↻
- Estimated rent
- $3,970 high interval (Pro) →
- Mortgage (P&I)
- −$1,442
- Tax est. 1.5%
- −$344 /mo · $4,125/yr
- Insurance
- −$115
- HOA
- −$1,111
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$834
- Net cashflow
- $125
Break-even live
Break-even rent
$3,812
Max offer price
$274,999
Occupancy floor
92%
Sensitivity live
| Price | -10% $315 | -5% $220 | +0% $125 | +5% $30 | +10% $-65 |
|---|---|---|---|---|---|
| Rent | -10% $-189 | -5% $-32 | +0% $125 | +5% $281 | +10% $438 |
| Rate | -1.0pp $263 | -0.5pp $195 | base $125 | +0.5pp $53 | +1.0pp $-19 |
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
- $68,750
- Closing costs
- $8,250
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 6828 Sterling Greens Dr Unit 4105 Naples, FL | 2.0 | 2.0 | 1242 | $3,750 | $3.02 | 154d | 1 | 0.01mi |
| 6816 Sterling Greens Dr Unit 1306 Naples, FL | 3.0 | 2.0 | 1506 | $2,900 | $1.93 | 154d | 1 | 0.06mi |
| 6816 Sterling Greens Dr Unit 1306 Naples, FL | 3.0 | 2.0 | 1506 | $4,500 | $2.99 | 51d | 1 | 0.06mi |
| 6816 Sterling Greens Pl #105 Naples, FL | 2.0 | 2.0 | 1243 | $1,895 | $1.52 | 162d | 1 | 0.06mi |
| 6816 Sterling Greens Dr Unit 1306 Naples, FL | 3.0 | 2.0 | 1506 | $4,500 | $2.99 | 10d | 1 | 0.06mi |
| 6816 Sterling Greens Dr Unit 1105 Naples, FL | 2.0 | 2.0 | 1243 | $1,895 | $1.52 | 154d | 1 | 0.06mi |
| 6825 Sterling Greens Dr #102 Naples, FL | 3.0 | 2.0 | 1499 | $4,500 | $3.00 | 164d | 1 | 0.07mi |
| 6825 Sterling Greens Dr #102 Naples, FL | 3.0 | 2.0 | 1499 | $4,600 | $3.07 | 10d | 1 | 0.07mi |
| 6817 Sterling Greens Dr #102 Naples, FL | 3.0 | 2.0 | 1499 | $5,000 | $3.34 | 10d | 1 | 0.09mi |
| 6817 Sterling Greens Dr #102 Naples, FL | 3.0 | 2.0 | 1499 | $5,000 | $3.34 | 51d | 1 | 0.09mi |
| 6854 Sterling Greens Dr #201 Naples, FL | 3.0 | 2.0 | 1727 | $4,500 | $2.61 | 51d | 1 | 0.10mi |
| 6854 Sterling Greens Dr #201 Naples, FL | 3.0 | 2.0 | 1727 | $4,500 | $2.61 | 154d | 1 | 0.10mi |
| 6871 Sterling Greens Dr #202 Naples, FL | 2.0 | 2.0 | 1727 | $5,500 | $3.18 | 10d | 1 | 0.18mi |
| 1001 Eastham Way #106 Naples, FL | 2.0 | 2.0 | 1091 | $4,000 | $3.67 | 10d | 1 | 0.25mi |
| 92 Glen Eagle Cir Naples, FL | 3.0 | 2.0 | 1562 | $12,000 | $7.68 | 21d | 1 | 0.28mi |
| 92 Glen Eagle Cir Naples, FL | 3.0 | 2.0 | 1562 | $12,000 | $7.68 | 10d | 1 | 0.28mi |
| 1051 Eastham Way Unit B104 Naples, FL | 2.0 | 2.0 | 1091 | $4,300 | $3.94 | 154d | 1 | 0.30mi |
| 1100 Eastham Way Unit A-305 Naples, FL | 2.0 | 2.0 | 1294 | $2,300 | $1.78 | 51d | 1 | 0.31mi |
| 1100 Eastham Way Unit A-105 Naples, FL | 2.0 | 2.0 | 1184 | $4,500 | $3.80 | 10d | 1 | 0.31mi |
| 1100 Eastham Way Unit A-105 Naples, FL | 2.0 | 2.0 | 1184 | $4,500 | $3.80 | 154d | 1 | 0.31mi |
| 1100 Eastham Way Unit A-305 Naples, FL | 2.0 | 2.0 | 1294 | $2,300 | $1.78 | 10d | 1 | 0.31mi |
| 7065 Dennis Cir Unit F103 Naples, FL | 2.0 | 2.0 | 1097 | $5,200 | $4.74 | 10d | 1 | 0.36mi |
| 7065 Dennis Cir #302 Naples, FL | 2.0 | 2.0 | 1097 | $4,000 | $3.65 | 162d | 1 | 0.36mi |
| 7065 Dennis Cir #302 Naples, FL | 2.0 | 2.0 | 1097 | $4,000 | $3.65 | 1d | 1 | 0.36mi |
| 1208 Chelmsford Ct #67 Naples, FL | 2.0 | 2.0 | 1556 | $9,000 | $5.78 | 10d | 1 | 0.36mi |
| 6945 Dennis Cir Unit I206 Naples, FL | 2.0 | 2.0 | 1097 | $4,990 | $4.55 | 10d | 1 | 0.39mi |
| 589 Lambton Ln Naples, FL | 3.0 | 2.0 | 1823 | $7,750 | $4.25 | 164d | 1 | 0.47mi |
| 589 Lambton Ln Naples, FL | 3.0 | 2.0 | 1823 | $6,950 | $3.81 | 10d | 1 | 0.47mi |
| 6726 Sloane Pl Unit 1049716P Naples, FL | 3.0 | 2.0 | 1872 | $5,748 | $3.07 | 2d | 1 | 0.49mi |
| 6700 Dennis Cir Unit A103 Naples, FL | 2.0 | 2.0 | 1308 | $2,000 | $1.53 | 154d | 1 | 0.50mi |
| 7320 Glenmoor Ln Unit 2206 Naples, FL | 2.0 | 2.0 | 1053 | $6,000 | $5.70 | 154d | 1 | 0.53mi |
| 7380 Saint Ives Way #1204 Naples, FL | 2.0 | 2.0 | 1053 | $4,000 | $3.80 | 10d | 1 | 0.55mi |
| 7380 Saint Ives Way #1309 Naples, FL | 2.0 | 2.0 | 1000 | $4,000 | $4.00 | 1d | 1 | 0.55mi |
| 7360 Saint Ives Way #2205 Naples, FL | 2.0 | 2.0 | 1053 | $1,925 | $1.83 | 164d | 1 | 0.60mi |
| 7360 Glenmoor Ln Naples, FL | 2.0 | 2.0 | 1053 | $2,250 | $2.14 | 10d | 1 | 0.63mi |
| 7360 Glenmoor Ln Naples, FL | 2.0 | 2.0 | 1053 | $2,250 | $2.14 | 51d | 1 | 0.63mi |
| 7360 Glenmoor Ln #303 Naples, FL | 2.0 | 2.0 | 1053 | $5,000 | $4.75 | 10d | 1 | 0.63mi |
| 6643 Craven Hill Way Naples, FL | 3.0 | 2.0 | 1384 | $2,900 | $2.10 | 154d | 1 | 0.66mi |
| 78 Bennington Dr Unit 5-8 Naples, FL | 2.0 | 2.0 | 1562 | $4,100 | $2.62 | 51d | 1 | 0.69mi |
| 190 Santa Clara Dr Unit 190-4 Naples, FL | 2.0 | 2.0 | 1004 | $1,800 | $1.79 | 164d | 1 | 0.70mi |
Property features AI
Finance
- Other
- Part of the Glen Eagle development, Sterling Greens sub-condoUnit is one of 32 units in the building and part of a 64-unit complex
- Financial info
- Total annual recurring fees and total one-time fees apply
- HOA & community
- Mandatory HOACondo fee paid quarterlyMaster HOA fee paid annuallyProfessional managementHOA maintenance covers cable, golf course, irrigation water, lawn/land maintenance, legal/accounting, manager, pest control (exterior and interior), recreation facilities, reserves, security, sewer, street lights, street maintenance, trash removal, and waterCommunity amenities include clubhouse, community pool, exercise/fitness center, golf course, tennis courts, bocce court, bike and jog paths, bike storage, billiards, BBQ/picnic area, hobby room, library, private beach pavilion, restaurant, sidewalks, streetlights, underground utilities, and private membership optionsCommunity type: gated, golf course, tennisGolf is bundled/equityOne-time other fee applies
Exterior
- Parking
- 1 assigned covered parking spaceDetached 1-car carport
- Security
- Gated communityCommunity security included in HOA maintenance
- Utilities
- Central waterCentral sewerCable available
- Home design
- Residential mid-rise (4–7 stories)Unit 3303Rear exposure facing SE
- Construction
- Concrete block constructionBuilt in 2004
- Exterior features
- StorageSliding windowsSee remarks for additional window detailsElectric and manual shuttersStone exterior finishTile roofGolf course viewIrrigation from lake/canalDeeded restrictions
Interior
- Kitchen
- PantryDishwasherRangeMicrowaveRefrigerator
- Bedrooms
- 2 bedrooms with a split bedroom layout
- Flooring
- TileVinyl
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central electric heatCentral electric coolingCeiling fans
- Interior features
- FoyerVolume ceilingGreat room floor planScreened lanai/porchTurnkey furnishedCommon elevator
- Laundry & utility
- Washer and dryer in residence
HOA detail $1,111/mo · $13,332/yr condo
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-11-08days on market $274,999 Active 387 DOM
-
2026-11-07days on market $274,999 Active 386 DOM
-
2026-11-06days on market $274,999 Active 385 DOM
-
2026-11-05days on market $274,999 Active 384 DOM
-
2026-11-04days on market $274,999 Active 383 DOM
-
2026-11-02days on market $274,999 Active 381 DOM
-
2026-11-01days on market $274,999 Active 380 DOM
-
2026-10-31days on market $274,999 Active 379 DOM
-
2026-10-30days on market $274,999 Active 378 DOM
-
2026-10-29days on market $274,999 Active 377 DOM
-
2026-10-28days on market $274,999 Active 376 DOM
-
2026-10-27days on market $274,999 Active 375 DOM
-
2026-10-26days on market $274,999 Active 374 DOM
-
2026-10-25days on market $274,999 Active 373 DOM
-
2026-10-24days on market $274,999 Active 372 DOM
-
2026-10-23days on market $274,999 Active 371 DOM
-
2026-10-22days on market $274,999 Active 370 DOM
-
2026-10-21days on market $274,999 Active 369 DOM
-
2026-10-20days on market $274,999 Active 368 DOM
-
2026-10-19days on market $274,999 Active 367 DOM
-
2026-10-18days on market $274,999 Active 366 DOM
-
2026-10-17days on market $274,999 Active 365 DOM
-
2026-10-16days on market $274,999 Active 364 DOM
-
2026-10-15days on market $274,999 Active 363 DOM
-
2026-10-14days on market $274,999 Active 362 DOM
-
2026-10-13days on market $274,999 Active 361 DOM
-
2026-10-12days on market $274,999 Active 360 DOM
-
2026-10-11days on market $274,999 Active 359 DOM
-
2026-10-10days on market $274,999 Active 358 DOM
-
2026-10-09days on market $274,999 Active 357 DOM
-
2026-10-08days on market $274,999 Active 356 DOM
-
2026-10-07days on market $274,999 Active 355 DOM
-
2026-10-07days on market $274,999 Active 354 DOM
-
2026-10-05days on market $274,999 Active 353 DOM
-
2026-10-04days on market $274,999 Active 352 DOM
-
2026-10-04days on market $274,999 Active 351 DOM
-
2026-10-02pricedays on market $274,999 Active 350 DOM
-
2026-10-01days on market $289,999 Active 349 DOM
-
2026-09-29days on market $289,999 Active 347 DOM
-
2026-09-28days on market $289,999 Active 346 DOM
-
2026-09-26days on market $289,999 Active 344 DOM
-
2026-09-25days on market $289,999 Active 343 DOM
-
2026-09-24days on market $289,999 Active 342 DOM
-
2026-09-23days on market $289,999 Active 341 DOM
-
2026-09-22days on market $289,999 Active 340 DOM
-
2026-09-21days on market $289,999 Active 339 DOM
-
2026-09-20days on market $289,999 Active 338 DOM
-
2026-09-18days on market $289,999 Active 336 DOM
-
2026-09-17days on market $289,999 Active 335 DOM
-
2026-09-16days on market $289,999 Active 334 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 5/10 Major FEMA zone X (shaded) · 24% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 9/10 Extreme 5 d/yr ≥107°F today · 18 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
- $47,636
- − Mortgage interest
- −$15,404
- − Property taxes
- −$4,125
- − Insurance
- −$1,375
- − Repairs & maintenance
- −$3,811
- − Management
- −$3,811
- − HOA
- −$13,332
- − Depreciation
- −$8,000
- Taxable loss
- −$2,222
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$533
- After-tax cash flow
- $2,028/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 13 photos
75/100
Cosmetic rehab
Est. rehab $6,650–$19,950 screening
This turnkey two-bedroom, two-bathroom property is in good condition with a good roof and exterior. It has a golf membership and is located in a desirable community. Painting the exterior and maintaining the landscaping would further enhance its value.
Value-add opportunities
- Both Paint exterior — Enhances curb appeal and resale value ↑
- Both Landscaping — Improves curb appeal and rental value ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
F
Composite school gradezoned avg 49/100
Zoned Schools
Elementary
Calusa Park Elementary School
C+
FL #764/2,144
Nat'l #8,415/41,679
Middle
East Naples Middle School
C
FL #254/571
Nat'l #3,460/14,009
High
Lely High School
F
FL #304/667
Nat'l #8,293/17,239
Schools (NCES district)
- District
- Collier
- NCES district ID
- 1200330
- Math proficiency
- 60% ▼ -4.00%
- Reading proficiency
- 56% ▼ -2.00%
- Median HH income
- $58,275
- Composite
- 50.23/100
- National rank
- #1892
- State rank
- #16 of 73 in FL
A
Composite livability gradescore 80/100
Livability — Naples
- Score
- 80/100
- State rank
- #126
- US rank
- #1903
Category grades
Amenities A+
Commute D+
Cost of living F
Crime A+
Employment A+
Housing C+
Health & safety A+
User ratings C+
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Collier County · 420,858 people
- City population
- 344,941
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 26,408
- Household income
- $71,686
- Rent vs Own
- Severe rent burden
- 9% of renters
Population outlook (Collier County) Hauer SSP2
- Today (2025)
- 420,858 people
- By 2030
- 450,054 · +6.9%
- By 2040
- 502,232 · +19.3%
- By 2050
- 544,932 · +29.5%
- By 2075
- 627,203 · +49.0%
- By 2100
- 659,015 · +56.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Majority White (62%)
- Race & ethnicity
- White 62% Hispanic / Latino 30% Two or more races 19% Black 4% Asian 2%
- Hispanic origin (detail)
- Mexican 7% Puerto Rican 3% Cuban 6% Dominican 1%
- Languages at home
- 66% English-only · Spanish 24% French/Haitian/Cajun 5% 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
- ▼ -252.48%
- Current HPI
- 259.3498
- Rent YoY
- ▼ -1.10%
- Metro
- Naples-Marco Island, FL
- State GDP YoY
- ▲ 3.28%
- F500 in state
- 36
Industry mix (Fortune 500 HQ in FL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Technology | 2 | $29B |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-7.9% since first listed3 events — show timeline
- 2026-03-22 Price Changed $289,999 BEARMLS
- 2026-01-23 Price Changed $299,999 BEARMLS
- 2025-10-17 Listed $315,000 BEARMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…