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17288 Acapulco Rd #421
B+ Composite 77.31
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 +30.0/30.0
  • ARV discount +11.5/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Schools +5.5/10.0
  • Condition / age +4.0/5.0
  • Livability +3.8/5.0
  • Rent growth +2.5/5.0
  • Appreciation +0.0/10.0

$245,000

17288 Acapulco Rd #421 · Punta Gorda, FL 33955
3 bd · 2.0 ba · 1,644 sqft · Condo public records · 139 Days on market
Built 2008 Good condition Garage $149/sqft · 9% below area Est $269k · 9% under $691/mo HOA · 15% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to 17288 Acapulco Rd, a beautifully updated second-floor condo in the highly desirable Burnt Store Lakes community of Punta Gorda. Offering nearly 1,700 square feet of thoughtfully designed living space, this 3-bedroom, 2-bath residence combines comfort, style, and a relaxed Florida lifestyle. Step inside to discover tile flooring throughout and elegant plantation shutters in every room, creating a clean and cohesive look. The spacious living area opens to a screened second-floor balcony, where you can unwind and enjoy peaceful views. This inviting outdoor space is also accessible from the private owner’s suite, which features a generous walk-in closet and an updated en-suite bath with a large walk-in shower. The split-bedroom floor plan ensures privacy, with two oversized guest bedrooms showcasing volume ceilings. At the heart of the home, the well-appointed kitchen boasts granite countertops, ample cabinetry, and a convenient breakfast bar that flows seamlessly into the dining area—perfect for both everyday living and entertaining. A centrally located interior laundry room and abundant storage add to the home’s practicality. This maintenance-free condo is part of an HOA that includes a community pool just steps from your door, making it easy to enjoy sunny Florida days. Burnt Store Lakes offers a unique lifestyle with 11 scenic lakes where residents can fish, along with a community park featuring pavilions, a playground, and a canoe/kayak launch. Just minutes away, Burnt Store Marina provides access to golf, boating, fitness facilities, and waterfront dining. A short drive brings you to vibrant downtown Punta Gorda, where you can explore Laishley Park with its fishing pier and walking paths, or enjoy Gilchrist Park with tennis and pickleball courts. Don’t miss the charm of Fishermen’s Village, home to unique boutiques, waterfront restaurants, and the nearby Military Heritage Museum. Whether you're looking for a full-time residence or a seasonal retreat, this home offers the perfect blend of convenience, amenities, and coastal living.

Key facts

  • Second floor condo
  • Community pool
  • 11 scenic lakes

Tags

SECOND FLOOR CONDOSCREENED BALCONYWALK IN CLOSETUPDATED EN SUITE BATHCOMMUNITY POOL11 SCENIC LAKES

Neighborhood map

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 3-bed/2.0-bath condo listed at $245k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $730 ($9k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($5k rent vs $245k).
  • Recommended offer: $216k (12.0% below list) — sets the bar for market timing.
  • Cap rate 12.0% vs local median 3.4% in Punta Gorda — 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 76/100 on livability (#225 in FL, #3,567 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, health & safety A+, housing B; Watch: cost of living D+, amenities D-, commute F.
  • Charlotte (suburban): math 54% / reading 54% proficiency, ranked #22 of 73 in FL (top 30%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: East Elementary School (math 67% / reading 68%, grade B+, #435 of 2,144 statewide, top 21%, 761 students, 52% FRL); Punta Gorda Middle School (math 54% / reading 52%, grade C+, #209 of 571 statewide, top 37%, 1,120 students, 41% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
  • Market conditions: 1669 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals lingering (median 73d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 93% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
  • At $4,512/mo this rent would consume 70% of the median local household income ($77k/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 $7k of value loss. Plan a longer hold.
  • Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $69k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 139 days — a 12% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts since 7y 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

  • Watch-outs: flood insurance adds $427/mo.
  • Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→31/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $215,600 (12.0% below list)

Questions for the listing agent

  1. It's been on market 139 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. Schools are A-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?
  8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.84%
Cap rate
11.96%
Cash-on-cash
20.23%
DSCR
1.90
GRM
4.5

CMA / ARV

ARV (median comp)
$268,840
List price
$245,000
Delta
-8.87%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
17200 Acapulco Rd #121 0.17mi 3/2.0 1,644 (0%) 2mo $190,000 $116 91
17359 Huancay Ln 0.40mi 3/2.0 1,825 (+11%) 1mo $550,000 $301 62
3461 Sunset Key Cir #101 1.02mi 3/2.0 1,545 (-6%) 0mo $412,000 $267 55
24004 Vincent Ave 0.45mi 3/2.0 1,408 (-14%) 1mo $405,000 $288 54
24069 Cedar Rapids Rd 0.41mi 3/2.0 1,904 (+16%) 2mo $463,000 $243 54
16474 Trading Post Rd 1.20mi 3/2.0 1,532 (-7%) 2mo $250,000 $163 52
3220 Southshore Dr Unit 21A 1.29mi 2/2.0 (-1) 1,547 (-6%) 0mo $150,000 $97 50
1590 Islamorada Blvd Unit 84C 1.12mi 2/2.0 (-1) 1,516 (-8%) 0mo $243,750 $161 47
2049 Big Pass Ln 1.23mi 3/2.0 1,834 (+12%) 0mo $521,000 $284 46
25048 Estrada Cir 1.45mi 4/2.0 (+1) 1,806 (+10%) 2mo $280,000 $155 42
16367 Perico Way 0.99mi 3/2.0 2,036 (+24%) 2mo $515,000 $253 38
16386 Nogales Ct 1.14mi 4/2.5 (+1) 1,943 (+18%) 2mo $545,000 $280 31

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 · 3.0% rent growth · sell at horizon

5-year hold
IRR
2.9%
Equity multiple
1.11×
Total profit
$7,574
Equity at exit
$36,530
10-year hold
IRR
12.7%
Equity multiple
2.01×
Total profit
$69,605
Equity at exit
$21,183

Cash invested: $68,600 (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
3 active
Median asking
$415,900 ($237/sqft)
Median days on market
196 d
This list price
lowest-priced of the active set
ARV vs active asking
-30.9% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 33955

Home prices YoY
-24.5%
Active inventory
1669
Price-to-rent
4.5×

Monthly cashflow live

Estimated rent
$4,512 high interval (Pro) →
Mortgage (P&I)
$1,285
Tax from tax record
$330 /mo · $3,959/yr
Insurance
$102
Flood insurance flood zone
−$427 /mo · $5,118/yr
HOA
$691
Vacancy / Maint / Mgmt
$948
Net cashflow
$730

Break-even live

Break-even rent $3,588
Max offer price $245,000
Occupancy floor 79%

Sensitivity live

Price -10% $869 -5% $800 +0% $730 +5% $661 +10% $591
Rent -10% $374 -5% $552 +0% $730 +5% $908 +10% $1,087
Rate -1.0pp $854 -0.5pp $792 base $730 +0.5pp $667 +1.0pp $602

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
$61,250
Closing costs
$7,350
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 29 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
17314 Cape Horn Blvd Punta Gorda, FL 3.0 2.0 2216 $2,800 $1.26 63d 1 0.58mi
17849 Hibiscus Cove Ct #1 Punta Gorda, FL 3.0 2.0 1937 $6,250 $3.23 73d 1 0.70mi
17434 Oro Ct Punta Gorda, FL 3.0 2.5 1864 $2,000 $1.07 70d 1 0.76mi
3255 Sugarloaf Key Rd Unit 31B Punta Gorda, FL 2.0 2.0 1516 $3,000 $1.98 65d 1 0.84mi
2060 Matecumbe Key Rd Punta Gorda, FL 2.0–3.0 2.0 1271 $5,400 $4.25 73d 3 0.85mi
2060 Matecumbe Key Rd Punta Gorda, FL 2.0–3.0 2.0 1271 $5,400 $4.25 39d 2 0.85mi
3020 Matecumbe Key Rd #103 Punta Gorda, FL 2.0 2.0 1148 $5,200 $4.53 73d 1 0.95mi
24417 Baltic Ave #1102 Punta Gorda, FL 2.0 2.0 1788 $5,250 $2.94 73d 1 0.96mi
5050 Marianne Key Rd Unit 1B Punta Gorda, FL 2.0 2.0 1347 $4,500 $3.34 65d 1 0.97mi
3471 Sunset Key Cir #102 Punta Gorda, FL 3.0 2.0 1991 $5,750 $2.89 73d 1 0.99mi
4005 Big Pass Ln Punta Gorda, FL 2.0 2.0 1423 $5,500 $3.87 65d 1 1.01mi
1610 Islamorada Blvd Unit 64A Punta Gorda, FL 2.0 2.0 1516 $2,000 $1.32 73d 1 1.01mi
3313 Sunset Key Cir Punta Gorda, FL 3.0 2.0–3.0 2089 $5,500 $2.63 27d 5 1.07mi
3313 Sunset Key Cir Unit Reservation spot 1 Punta Gorda, FL 2.0 2.0 2099 $2,750 $1.31 73d 1 1.07mi
3313 Sunset Key Cir Punta Gorda, FL 3.0 2.0–3.0 2089 $6,750 $3.23 73d 4 1.07mi
5 Pirates Ln Unit 54B Punta Gorda, FL 2.0 2.0 1516 $4,600 $3.03 73d 1 1.10mi
1001 Islamorada Blvd Unit 12A Punta Gorda, FL 2.0 2.0 1365 $1,600 $1.17 65d 1 1.14mi
3270 Southshore Dr Unit 72B Punta Gorda, FL 3.0 2.0 2069 $5,750 $2.78 73d 1 1.17mi
1010 Islamorada Blvd Punta Gorda, FL 3.0 2.0 1592 $4,700 $2.95 73d 1 1.19mi
17947 Courtside Landings Cir Punta Gorda, FL 3.0 2.0 1338 $5,500 $4.11 73d 1 1.19mi
3250 Southshore Dr Unit 54B Punta Gorda, FL 3.0 2.0 2069 $5,750 $2.78 73d 1 1.20mi
3280 Southshore Dr Unit 87A Punta Gorda, FL 3.0 2.0 2069 $4,000 $1.93 73d 1 1.21mi
3170 Matecumbe Key Rd #134 Punta Gorda, FL 2.0 2.0 1188 $1,899 $1.60 73d 1 1.23mi
3191 Matecumbe Key Rd #206 Punta Gorda, FL 2.0 2.0 1102 $4,400 $3.99 73d 1 1.32mi
3001 King Tarpon Dr Punta Gorda, FL 3.0 2.0 1734 $5,500 $3.17 73d 1 1.33mi
2091 King Tarpon Dr Punta Gorda, FL 3.0 2.0 1640 $5,200 $3.17 73d 1 1.33mi
426 Gaspar Key Ln Punta Gorda, FL 2.0 2.0 1162 $4,400 $3.79 16d 1 1.33mi
3181 Matecumbe Key Rd Punta Gorda, FL 2.0 2.0 1254 $2,250 $1.79 39d 2 1.35mi
16229 Cape Horn Blvd Punta Gorda, FL 3.0 2.0 1726 $2,749 $1.59 70d 1 1.48mi

Property features AI

Finance

Other
Directions: North or South on Burnt Store Road, turn at Peppercorn Rd. Proceed to Acapulco Rd and make left. Enter project; unit is in the 4th building.Living area reported as 1,644 (public records)
Financial info
Lease restrictions apply
HOA & community
HOA required (Association: Jordan Fitzpatrick, CAM)Monthly condo fee: $650 (annual total $7,800)Association amenities include poolAssociation fees cover common area taxes, pool, escrow reserves, fidelity bond, insurance, structure and grounds maintenance, management, sewer and waterAssociation approval requiredCommunity features: association-owned recreation, deed restrictions, golf carts allowed, park, playgroundPets allowed with breed restrictions

Exterior

Parking
Attached garage (1 space)Guest parking
Utilities
Public waterPublic sewerElectricity connectedCable availableSewer connectedWater connected
Home design
Residential condominiumOne storyWest-facing
Construction
Block and stucco constructionTile roofSlab foundationBuilding: BLD D
Exterior features
Screened patio/porchBalconyTrees and landscaped groundsAccess to a creekPrivate boat ramp

Interior

Kitchen
DishwasherDisposalMicrowaveRangeRefrigeratorSolid surface countersWater filtration system
Bedrooms
3 bedrooms
Flooring
Tile
Bathrooms
2 full bathrooms
Heating & cooling
Central heating (electric)Central air conditioning
Interior features
Ceiling fansLiving room / dining room comboOpen floorplanSolid surface countertopsSplit bedroom layoutWalk-in closetsGreat roomInside utility
Laundry & utility
Laundry roomWasherDryer

HOA detail $691/mo · $8,292/yr condo

Likely covers
waterpool
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 50 events

  1. 2026-08-08
    days on market $245,000 Active 139 DOM
  2. 2026-08-07
    days on marketlisting id $245,000 Active 138 DOM
  3. 2026-08-06
    days on market $245,000 Active 137 DOM
  4. 2026-08-05
    days on market $245,000 Active 136 DOM
  5. 2026-08-04
    days on market $245,000 Active 135 DOM
  6. 2026-08-03
    days on market $245,000 Active 134 DOM
  7. 2026-08-01
    days on market $245,000 Active 131 DOM
  8. 2026-07-29
    days on market $245,000 Active 129 DOM
  9. 2026-07-27
    days on market $245,000 Active 127 DOM
  10. 2026-07-25
    days on market $245,000 Active 125 DOM
  11. 2026-07-24
    days on market $245,000 Active 124 DOM
  12. 2026-07-23
    days on market $245,000 Active 123 DOM
  13. 2026-07-22
    days on market $245,000 Active 122 DOM
  14. 2026-07-21
    days on market $245,000 Active 121 DOM
  15. 2026-07-18
    days on market $245,000 Active 118 DOM
  16. 2026-07-16
    days on market $245,000 Active 116 DOM
  17. 2026-07-16
    days on market $245,000 Active 115 DOM
  18. 2026-07-14
    days on market $245,000 Active 114 DOM
  19. 2026-07-13
    days on market $245,000 Active 113 DOM
  20. 2026-07-12
    days on market $245,000 Active 112 DOM
  21. 2026-07-09
    days on market $245,000 Active 109 DOM
  22. 2026-07-08
    days on market $245,000 Active 108 DOM
  23. 2026-07-07
    days on market $245,000 Active 107 DOM
  24. 2026-07-06
    days on market $245,000 Active 106 DOM
  25. 2026-07-06
    days on market $245,000 Active 105 DOM
  26. 2026-07-04
    days on market $245,000 Active 104 DOM
  27. 2026-07-03
    days on market $245,000 Active 103 DOM
  28. 2026-07-02
    days on market $245,000 Active 102 DOM
  29. 2026-07-01
    days on market $245,000 Active 101 DOM
  30. 2026-06-30
    days on market $245,000 Active 100 DOM
  31. 2026-06-29
    days on market $245,000 Active 99 DOM
  32. 2026-06-28
    days on market $245,000 Active 98 DOM
  33. 2026-06-28
    days on market $245,000 Active 97 DOM
  34. 2026-06-27
    days on market $245,000 Active 96 DOM
  35. 2026-06-25
    days on market $245,000 Active 94 DOM
  36. 2026-06-23
    days on market $245,000 Active 92 DOM
  37. 2026-06-22
    days on market $245,000 Active 91 DOM
  38. 2026-06-18
    days on market $245,000 Active 88 DOM
  39. 2026-06-17
    days on market $245,000 Active 87 DOM
  40. 2026-06-16
    days on market $245,000 Active 86 DOM
  41. 2026-06-15
    days on market $245,000 Active 85 DOM
  42. 2026-06-14
    days on market $245,000 Active 83 DOM
  43. 2026-06-13
    days on market $245,000 Active 82 DOM
  44. 2026-06-10
    days on market $245,000 Active 80 DOM
  45. 2026-06-09
    days on market $245,000 Active 79 DOM
  46. 2026-06-08
    days on market $245,000 Active 78 DOM
  47. 2026-06-07
    days on market $245,000 Active 77 DOM
  48. 2026-06-05
    days on market $245,000 Active 74 DOM
  49. 2026-06-03
    days on market $245,000 Active 73 DOM
  50. 2026-06-02
    days on market $245,000 Active 72 DOM

ⓘ 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
$3,959 · $330/mo
Projected year-2 tax
$3,959 · $330/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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 31 d/yr by 30 yrs out
  • 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$54,145
− Mortgage interest
−$13,724
− Property taxes
−$3,959
− Insurance
−$6,344
− Repairs & maintenance
−$4,332
− Management
−$4,332
− HOA
−$8,292
− Depreciation
−$7,127
Taxable income
$6,036
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,449
After-tax cash flow
$7,314/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 · 9 photos

Good 80/100 Cosmetic rehab Est. rehab $8,220–$24,660 screening

This well-maintained, updated townhouse in Burnt Store Lakes is ready for move-in. It offers a good condition with minimal repairs needed.

Components & finishes AI

Roof tile · good Flooring tile Counters granite Appliances stainless steel HVAC central · new lt5

Value-add opportunities

  • Both paint exterior — enhances curb appeal and resale value
  • Both update landscaping — improves curb appeal and rental value
  • Both install smart home devices — increases convenience and marketability

ⓘ 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.

D Composite school gradezoned avg 55/100

Zoned Schools

Elementary East Elementary School B+ FL #435/2,144 Nat'l #4,272/41,679 Middle Punta Gorda Middle School C+ FL #209/571 Nat'l #2,873/14,009 High Charlotte High School D- FL #228/667 Nat'l #6,809/17,239

Schools (NCES district)

District
Charlotte
NCES district ID
1200240
Math proficiency
54% ▼ -6.00%
Reading proficiency
54% ▼ -1.00%
Median HH income
$44,864
Composite
45.62/100
National rank
#2586
State rank
#22 of 73 in FL
B Composite livability gradescore 76/100

Livability — Punta Gorda

Score
76/100
State rank
#225
US rank
#3567

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Charlotte County · 198,646 people
City population
68,831
Metro
Punta Gorda, FL
Population (ZIP)
12,399
Household income
$76,943
Rent vs Own
9.5% rent · 90.5% own
Severe rent burden
11% of renters

Population outlook (Charlotte County) Hauer SSP2

Today (2025)
198,646 people
By 2030
210,507 · +6.0%
By 2040
230,857 · +16.2%
By 2050
247,148 · +24.4%
By 2075
281,777 · +41.8%
By 2100
293,609 · +47.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (84%)
Race & ethnicity
White 84% Hispanic / Latino 10% Two or more races 9% Black 2%
Hispanic origin (detail)
Mexican 4% Puerto Rican 2% Cuban 4%
Common ancestry
Romanian 5% Italian 3% Serbian 3%
Foreign-born
8% · Canada
Languages at home
91% English-only · Spanish 5% Other Indo-European 1%

Political lean MEDSL · Charlotte

2024 margin
Solid R (+34.0) · D 32.7% · R 66.7%
2008→2024 swing
-26.7pp toward R · 2008: -7.2pp · 2024: -34.0pp
All cycles
2024: R+34.0 2020: R+26.6 2016: R+27.8 2012: R+14.3 2008: R+7.2

Not yet ingested

Civics

Price history

-90.2% since first listed
15 events — show timeline
  • 2026-03-22 Listed $245,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-19 Listed $245,000 FORTMLS
  • 2024-03-27 Listing Removed FORTMLS
  • 2024-03-08 Listed $308,999 FORTMLS
  • 2024-03-04 Listed $308,999 Stellar MLS as Distributed by MLS Grid
  • 2022-04-01 Sold (Public Records) $294,500 Public Records
  • 2022-03-30 Sold (MLS) $294,500 Stellar MLS as Distributed by MLS Grid
  • 2022-02-27 Listing Removed Stellar MLS as Distributed by MLS Grid
  • 2022-02-22 Listed $294,500 Stellar MLS as Distributed by MLS Grid
  • 2019-04-17 Sold (Public Records) $169,000 Public Records
  • 2019-04-11 Sold (MLS) $169,000 Stellar MLS as Distributed by MLS Grid
  • 2019-02-27 Pending Stellar MLS as Distributed by MLS Grid
  • 2019-02-10 Price Changed $169,500 Stellar MLS as Distributed by MLS Grid
  • 2019-01-30 Listed $175,000 Stellar MLS as Distributed by MLS Grid
  • 2012-01-06 Sold (Public Records) $2,492,200 Public Records

Property tax history

+6.1%/yr

Latest (2025): $3,959 · -11.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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