19325 Water Oak Dr #204 · Port Charlotte, FL 33948

$149,500

2 bd · 1.0 ba · 784 sqft · Condo public records · 84 Days on market

Built 2002 $383/mo HOA · 20% of rent

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Why this score? — see what drove the D 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 +10.1/30.0
• 1% rule +8.0/10.0
• ARV discount +7.5/15.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• DSCR +2.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

Key facts

• Walk-in closet
• Pocket door
• Lake view

Tags

• LAKE VIEW
• SCREENED TILED LANAI
• BREAKFAST BAR
• WALK-IN CLOSET
• ENSUITE BATH
• POCKET DOOR

Property features AI

Finance

• Other: Property is furnished; CDD assessment applies; Irrigation equipment installed
• Financial info: Total annual association fees around $4,600; Lease restrictions apply
• HOA & community: Association amenities include clubhouse, fitness center, pool, tennis and pickleball courts, shuffleboard, recreation facilities, gated community, security, and vehicle restrictions; Association fee covers common area taxes, pool, reserves, insurance, structure and grounds maintenance, management, pest control, private road, recreational facilities, sewer and water; Monthly condo fee approximately $383 (quarterly $1,150); Association approval required; Senior community with pet restrictions (cats and dogs allowed, breed restrictions, number limit, max pet weight 100 lbs); Community features include community mailbox, street lights, golf carts allowed, and special community restrictions

Exterior

• Parking: Assigned covered parking; Guest parking; Carport (1 space)
• Security: Fire sprinkler system; Smoke detectors; Gated community; Security gate
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Cable available; Underground utilities
• Home design: Condominium (attached); One-level unit within a 3-story building; Faces northeast
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Building has elevator access
• Exterior features: Covered, screened rear porch; Exterior lighting; Rain gutters; Sliding doors; Gunite heated in-ground pool

Interior

• Kitchen: Dishwasher; Disposal; Ice maker; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms (one on 2nd floor)
• Flooring: Carpet; Tile; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning with humidity control
• Interior features: Ceiling fans; Living room/dining room combo; Open floorplan; Split bedroom layout; Thermostat; Walk-in closet(s); Window treatments; Great room; Inside utility
• Laundry & utility: Washer; Dryer; Laundry closet

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $150k.

Deal economics

• At list price, monthly cash flow is $-87 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $134k (10.3% below list).
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $134k (10.3% below list) — sets the bar for cash-flow.
• Cap rate 5.6% vs local median 4.4% in Port Charlotte — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 65/100 on livability (#655 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, amenities F, 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: Liberty Elementary School (math 56% / reading 56%, grade C+, #832 of 2,144 statewide, top 40%, 622 students, 56% FRL); Port Charlotte High School (math 23% / reading 38%, grade F, #434 of 667 statewide, top 66%, 1,649 students, 43% FRL) — zoned schools at 50% FRL track the district average.
• Market conditions: Rents soft (-1.6%/yr); 953 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 37% of the median local income ($63k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k 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.

Negotiation context

• It's been on market 84 days — a 6% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 5 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.
• Current owner paid $83k; list at $150k implies a 80% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.1% of price.

Recommended offer $134,098 (10.3% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 84 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. 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?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
9. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
10. 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.
11. 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.
12. 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: 1.30% ✓
• Cap rate: 5.59%
• Cash-on-cash: -2.50%
• DSCR: 0.89
• GRM: 6.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -25.8%
• Equity multiple: 0.16×
• Total profit: $-35,074
• Equity at exit: $22,291

10-year hold

• IRR: -52.0%
• Equity multiple: -0.39×
• Total profit: $-58,079
• Equity at exit: $12,926

Cash invested: $41,860 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33948

• Home prices YoY: -14.9%
• Rents YoY: -1.6%
• Active inventory: 953
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,940 medium
• Mortgage (P&I): −$784
• Tax from tax record: −$390 /mo · $4,685/yr
• Insurance: −$62
• HOA: −$383
• Vacancy / Maint / Mgmt: −$407
• Net cashflow: $-87

Break-even live

Break-even rent $2,050

Max offer price $134,098

Occupancy floor 99%

Sensitivity live

Price	-10% $-3	-5% $-45	+0% $-87	+5% $-129	+10% $-172
Rent	-10% $-240	-5% $-164	+0% $-87	+5% $-11	+10% $66
Rate	-1.0pp $-12	-0.5pp $-49	base $-87	+0.5pp $-126	+1.0pp $-165

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: $37,375
• Closing costs: $4,485
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
20012 Goldcup Ct Port Charlotte, FL	2.0	2.0	923	$1,595	$1.73	22d	1	0.41mi
425 Ricold Ter Port Charlotte, FL	2.0	2.0	912	$1,400	$1.54	22d	1	0.48mi
19505 Quesada Ave Port Charlotte, FL	1.0–2.0	1.0–2.0	797	$2,800	$3.51	14d	8	0.58mi
1515 Forrest Nelson Blvd Port Charlotte, FL	2.0	2.0	899	$2,000	$2.22	22d	2	0.95mi

HOA detail condo

• Monthly dues: $383 · $4,596/yr
• Likely covers: poolsecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 32 events

1. 2026-06-18
   days on market $149,500 Active 84 DOM
2. 2026-06-17
   days on market $149,500 Active 83 DOM
3. 2026-06-16
   days on market $149,500 Active 82 DOM
4. 2026-06-15
   days on market $149,500 Active 81 DOM
5. 2026-06-14
   days on market $149,500 Active 79 DOM
6. 2026-06-13
   days on market $149,500 Active 78 DOM
7. 2026-06-10
   days on market $149,500 Active 76 DOM
8. 2026-06-09
   days on market $149,500 Active 75 DOM
9. 2026-06-08
   days on market $149,500 Active 74 DOM
10. 2026-06-07
    days on market $149,500 Active 73 DOM
11. 2026-06-05
    days on market $149,500 Active 70 DOM
12. 2026-06-03
    days on market $149,500 Active 69 DOM
13. 2026-06-02
    days on market $149,500 Active 68 DOM
14. 2026-06-01
    days on market $149,500 Active 67 DOM
15. 2026-05-31
    days on market $149,500 Active 66 DOM
16. 2026-05-30
    days on market $149,500 Active 65 DOM
17. 2026-03-26
    listed $149,500 Active
18. 2016-04-01
    soldstatus $83,000
19. 2016-03-31
    soldstatus $83,000 Sold 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

20. 2016-03-17
    status Pending 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

21. 2016-02-29
    price $89,900 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

22. 2016-02-29
    status Active 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

23. 2016-01-29
    status Pending 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

24. 2016-01-18
    price $94,900 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

25. 2015-12-31
    price $99,000 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

26. 2015-12-30
    price $99,900 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

27. 2015-11-23
    listed $104,900 Active 1461-char remark

    Show marketing remark (1461 chars)

    Reduced! Beautiful lake view from this 2 bedroom, 1 bath second floor condo located in the popular gated community of Heritage Oak Park! Condo comes turnkey furnished & is in truly move in condition-very clean & well taken care of!Includes a detached carport & there is an elevator in the building! Features include an open floorplan, split bedrooms, screen door on front door for ventilation, kitchen has breakfast bar, & comes equipped with all the kitchen appliances, brand new vinyl flooring in kitchen, foyer & bath, great room has transom window for light, & slider to screened lanai, large master bedroom w/ walk in closet, bath has tub/shower & extra vanity area w/ sink adjoining master bedroom & bath, GE stack washer & dryer in laundry area, ceiling fans & window treatments thru-out, & tile floor on screened lanai! Heritage Oak Park is an active gated community located in the Murdock area of Port Charlotte! It offers a new large clubhouse, heated pool, fitness room, billiards room, library, tennis courts, shuffleboard, boccie ball & a walking trail around the large lake! There is a full time activities director on staff planning many activities! Built around all the old oak trees you feel like you are in the country yet it is only walking distance of Publix, the YMCA, & the Charlotte County Library & only a short drive to major shopping & restaurants!

28. 2011-01-12
    soldstatus $67,000
29. 2011-01-06
    soldstatus $67,000 739-char remark

    Show marketing remark (739 chars)

    Beautiful meticulously maintained waterfront condo. located in popular gated Heritage Oak Park! Shows like new-only used for the winter season by original owner! Gorgeous lakeview from the screened lanai! This condo. is on the second floor, & there is anelevator in the building! Carport is included & furniture is available! Heritage Oak Park is an active gated community. Amenities include a large clubhouse, heated community pool, tennis courts, billiards room, library, exercise room, boccie ball, shuffleboard, and walking path around the lake. There is a full time activities director planning numerous activities for your year round enjoyment. Community is just around the corner from major shopping & restaurants!

30. 2010-11-02
    listed $74,900 739-char remark

    Show marketing remark (739 chars)

    Beautiful meticulously maintained waterfront condo. located in popular gated Heritage Oak Park! Shows like new-only used for the winter season by original owner! Gorgeous lakeview from the screened lanai! This condo. is on the second floor, & there is anelevator in the building! Carport is included & furniture is available! Heritage Oak Park is an active gated community. Amenities include a large clubhouse, heated community pool, tennis courts, billiards room, library, exercise room, boccie ball, shuffleboard, and walking path around the lake. There is a full time activities director planning numerous activities for your year round enjoyment. Community is just around the corner from major shopping & restaurants!

31. 2010-02-10
    historical
32. 2010-01-15
    listed $72,900

ⓘ 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: $4,685 · $390/mo
• Projected year-2 tax: $4,685 · $390/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $23,279
• − Mortgage interest: −$8,374
• − Property taxes: −$4,685
• − Insurance: −$748
• − Repairs & maintenance: −$1,862
• − Management: −$1,862
• − HOA: −$4,596
• − Depreciation: −$4,349
• Taxable loss: −$3,198
• Est. tax savings @ 24.0%: +$767
• After-tax cash flow: $-279/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: 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

Livability — Port Charlotte

• Score: 65/100
• State rank: #655
• US rank: #13081

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Charlotte, FL
• County: Charlotte County · 196,994 people
• City population: 102,180
• Metro: Punta Gorda, FL
• Population (ZIP): 18,696
• Household income: $62,744
• Rent vs Own: 13.8% rent · 86.2% own
• Severe rent burden: 501.0

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 (79%)
• Race & ethnicity: White 79% Two or more races 8% Black 7% Hispanic / Latino 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Lithuanian 5% Romanian 4% Iranian 2%
• Foreign-born: 11% · Canada
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 2% 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: —

Market trends

• HPI YoY: ▼ -55.31%
• Current HPI: 315.0548
• Rent YoY: ▼ -1.63%
• Metro: Punta Gorda, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+105.1% since first listed

16 events — show timeline

• 2026-03-26 Listed $149,500 Stellar MLS as Distributed by MLS Grid
• 2016-04-01 Sold (Public Records) $83,000 Public Records
• 2016-03-31 Sold (MLS) $83,000 Stellar MLS as Distributed by MLS Grid
• 2016-03-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-02-29 Price Changed $89,900 Stellar MLS as Distributed by MLS Grid
• 2016-02-29 Relisted — Stellar MLS as Distributed by MLS Grid
• 2016-01-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-01-18 Price Changed $94,900 Stellar MLS as Distributed by MLS Grid
• 2015-12-31 Price Changed $99,000 Stellar MLS as Distributed by MLS Grid
• 2015-12-30 Price Changed $99,900 Stellar MLS as Distributed by MLS Grid
• 2015-11-23 Listed $104,900 Stellar MLS as Distributed by MLS Grid
• 2011-01-12 Sold (Public Records) $67,000 Public Records
• 2011-01-06 Sold (MLS) $67,000 Stellar MLS as Distributed by MLS Grid
• 2010-11-02 Listed $74,900 Stellar MLS as Distributed by MLS Grid
• 2010-02-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-01-15 Listed $72,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+4.5%/yr

Latest (2025): $4,685 · +0.9% YoY. Source: county tax records.