960 7th St S #105 · Naples, FL
Flood risk 9/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 26 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +22.3/30.0
- 1% rule +8.6/10.0
- ARV discount +7.5/15.0
- DSCR +7.1/10.0
- Appreciation +7.0/10.0
- Schools +5.0/10.0
- Rent growth +4.7/5.0
- Livability +4.0/5.0
- Condition / age +2.5/5.0
$349,999
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Light, bright and airy first-floor residence with custom interior finishes including crown and base molding, crisp white cabinetry and hickory hand-scraped wood floors. A well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Situated in a charming setting with lush tropical landscaping, a soothing water feature greets you off of the main entry. Superior location, close to Cambier Park for art fairs, tennis and community fun events, with the cafes and restaurants of Fifth Avenue South and Third Street South moments away, and just minutes to the sandy beaches of the Gulf of Mexico.
Key facts
- Reimagined kitchen
- Move-in-ready condo
- Soft-close cabinetry
Tags
Property features AI
Finance
- Other: Unit located in a 12-unit complex (6 units in building); One unit per floor; Restrictions: No commercial, No RV
- HOA & community: Mandatory HOA (non-gated community); Professional management; Quarterly master HOA fee; HOA covers insurance, irrigation water, lawn/land maintenance, legal/accounting, exterior pest control, repairs, reserves, sewer, trash removal, and water; Community amenities include extra storage and underground utilities; Total annual recurring HOA fees reported
Exterior
- Parking: 1 assigned parking space; Guest parking available
- Security: Impact resistant windows
- Utilities: Central water; Central sewer; Cable available
- Home design: Residential low-rise (1–3) building; 2-story building; Rear exposure faces west; Located in OLDE NAPLES development
- Construction: Built in 1973; Concrete block and wood frame construction; Stucco exterior; Shingle roof
- Exterior features: Patio; Automatic sprinkler system; Storage; Water feature/display; Landscaped view
Interior
- Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator/Freezer; Kitchen island; Breakfast bar
- Bedrooms: 1 bedroom (Master on ground level)
- Flooring: Tile; Wood
- Bathrooms: 1 full bathroom with shower-only master bath
- Heating & cooling: Central electric heat; Central electric cooling
- Interior features: Cable prewire; Smoke detectors; Window coverings; Breakfast bar; Island kitchen; Turnkey furnished; Laundry in residence
- Laundry & utility: Washer and dryer in unit
Neighborhood map
What this means for you Summary
Snapshot
- This is a 1-bed/1.0-bath condo listed at $350k.
Deal economics
- At list price, monthly cash flow is $150 ($2k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($5k rent vs $350k).
- Recommended offer: $308k (12.0% below list) — sets the bar for market timing.
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.
- Market conditions: Rents rising fast (+8.8%/yr); 614 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
- This rent runs 44% of the median local income ($131k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- In year one you build about $17k of equity ($2k loan paydown + $14k appreciation (4.1% local appreciation)).
- Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (4.1% appreciation + 8.0% rent growth), your $98k cash investment doubles in ~4 years — after that, you're playing with house money.
- By year 3, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 154 days — a 12% lower offer ($308k) is reasonable based on typical stale-listing flexibility.
- 8 sale attempts since 17y ago; this cycle's ask has dropped $49k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo; HOA is 21% of rent.
- 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→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 154 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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
- 1.36% ✓
- Cap rate
- 8.27%
- Cash-on-cash
- 7.06%
- DSCR
- 1.31
- GRM
- 6.1
CMA / ARV
No comps found within radius.
Projected returns pro-forma
4.08% appreciation · 8.0% rent growth · sell at horizon
- IRR
- 15.9%
- Equity multiple
- 2.00×
- Total profit
- $98,190
- Equity at exit
- $179,165
- IRR
- 20.1%
- Equity multiple
- 4.67×
- Total profit
- $360,024
- Equity at exit
- $294,412
Cash invested: $98,000 (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
ZIP-level market 34102
- Home prices YoY
- 1.3%
- Rents YoY
- 8.8%
- Active inventory
- 614
- Price-to-rent
- 6.1×
Monthly cashflow live
- Estimated rent
- $4,763 high interval (Pro) →
- Mortgage (P&I)
- −$1,835
- Tax from tax record
- −$226 /mo · $2,709/yr
- Insurance
- −$146
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$979
- Vacancy / Maint / Mgmt
- −$1,000
- Net cashflow
- $150
Break-even live
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
- $87,500
- Closing costs
- $10,500
- 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 23 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 960 7th St S #103 Naples, FL | 1.0 | 1.0 | 534 | $5,000 | $9.36 | 23d | 1 | 0.03mi |
| 655 8th Ave S Unit 1504166P Naples, FL | 1.0 | 1.0 | 505 | $5,346 | $10.59 | 14d | 1 | 0.18mi |
| 473 12th Ave S Naples, FL | 1.0–2.0 | 1.0–2.0 | 700 | $3,000 | $4.29 | 23d | 2 | 0.28mi |
| 950 7th Ave S #23 Naples, FL | 1.0 | 1.0 | 631 | $3,250 | $5.15 | 14d | 1 | 0.32mi |
| 980 7th Ave S Naples, FL | 1.0 | 1.0 | 540 | $7,500 | $13.89 | 23d | 2 | 0.34mi |
| 940 3rd St S Naples, FL | 1.0–2.0 | 1.0–2.0 | 870 | $2,800 | $3.22 | 23d | 2 | 0.36mi |
| 291 8th Ave S Unit 291A Naples, FL | 1.0 | 1.0 | 550 | $3,900 | $7.09 | 23d | 1 | 0.41mi |
| 666 3rd St S Naples, FL | 1.0–2.0 | 1.0–2.0 | 932 | $2,500 | $2.68 | 14d | 2 | 0.44mi |
| 540 4th Ave S #13 Naples, FL | 1.0 | 1.0 | 580 | $5,000 | $8.62 | 23d | 1 | 0.45mi |
| 480 5th St S #102 Naples, FL | 1.0 | 1.0 | 600 | $6,500 | $10.83 | 23d | 1 | 0.47mi |
| 1295 Gulf Shore Blvd S #218 Naples, FL | 2.0 | 2.0 | 662 | $10,479 | $15.83 | 23d | 1 | 0.56mi |
| 803 River Point Dr Unit 201B Naples, FL | 1.0 | 1.0 | 715 | $2,300 | $3.22 | 23d | 1 | 0.60mi |
| 175 5th Ave S Naples, FL | 2.0 | 2.0 | 732 | $14,000 | $19.13 | 23d | 2 | 0.60mi |
| 101 8th St S Naples, FL | 1.0 | 1.0–2.0 | 940 | $12,600 | $13.40 | 14d | 4 | 0.68mi |
| 101 8th St S Naples, FL | 1.0 | 1.0–2.0 | 940 | $12,600 | $13.40 | 23d | 4 | 0.68mi |
| 1360 Chesapeake Ave Unit 1372 Naples, FL | 1.0 | 1.0 | 600 | $1,850 | $3.08 | 23d | 1 | 0.70mi |
| 1950 Mayfair ST Unit 817 Naples, FL | 1.0 | 1.0 | 710 | $3,295 | $4.64 | 14d | 1 | 1.02mi |
| 1950 Mayfair ST Unit 1021 Naples, FL | 1.0 | 1.0 | 710 | $3,520 | $4.96 | 14d | 1 | 1.02mi |
| 1950 Mayfair ST Unit 802 Naples, FL | 1.0 | 1.0 | 710 | $3,355 | $4.73 | 14d | 1 | 1.02mi |
| 1950 Mayfair ST Unit 716 Naples, FL | 1.0 | 1.0 | 710 | $3,330 | $4.69 | 14d | 1 | 1.02mi |
| 1950 Mayfair ST Unit 921 Naples, FL | 1.0 | 1.0 | 710 | $3,420 | $4.82 | 14d | 1 | 1.02mi |
| 1950 Mayfair St Naples, FL | 3.0 | 1.0–3.5 | 1514 | $5,505 | $3.63 | 14d | 109 | 1.07mi |
| 2134 Palm St Naples, FL | 1.0 | 1.0 | 600 | $7,500 | $12.50 | 23d | 1 | 1.15mi |
HOA detail condo
- Monthly dues
- $979 · $11,748/yr
- Likely covers
- waterlandscaping
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 38 events
-
2026-06-18days on market $349,999 Active 154 DOM
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2026-06-17days on market $349,999 Active 153 DOM
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2026-06-16days on market $349,999 Active 152 DOM
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2026-06-15days on market $349,999 Active 151 DOM
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2026-06-14days on market $349,999 Active 149 DOM
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2026-06-10days on market $349,999 Active 146 DOM
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2026-06-09days on market $349,999 Active 145 DOM
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2026-06-08days on market $349,999 Active 144 DOM
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2026-06-07days on market $349,999 Active 143 DOM
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2026-06-03days on market $349,999 Active 139 DOM
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2026-06-02days on market $349,999 Active 138 DOM
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2026-06-01days on market $349,999 Active 137 DOM
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2026-05-31days on market $349,999 Active 136 DOM
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2026-05-30days on market $349,999 Active 135 DOM
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2026-03-16price $349,999
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2026-02-04status Active
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2026-02-02status Pending
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2026-01-13$399,000 Active
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2020-12-04soldstatus $347,000
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2020-12-03soldstatus $347,000 Sold 696-char remark
Show marketing remark (696 chars)
Light, bright and airy first-floor residence with custom interior finishes including crown and base molding, crisp white cabinetry and hickory hand-scraped wood floors. A well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Situated in a charming setting with lush tropical landscaping, a soothing water feature greets you off of the main entry. Superior location, close to Cambier Park for art fairs, tennis and community fun events, with the cafes and restaurants of Fifth Avenue South and Third Street South moments away, and just minutes to the sandy beaches of the Gulf of Mexico.
-
2020-11-04status Pending With Contingencies 696-char remark
Show marketing remark (696 chars)
Light, bright and airy first-floor residence with custom interior finishes including crown and base molding, crisp white cabinetry and hickory hand-scraped wood floors. A well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Situated in a charming setting with lush tropical landscaping, a soothing water feature greets you off of the main entry. Superior location, close to Cambier Park for art fairs, tennis and community fun events, with the cafes and restaurants of Fifth Avenue South and Third Street South moments away, and just minutes to the sandy beaches of the Gulf of Mexico.
-
2020-11-04status Active 696-char remark
Show marketing remark (696 chars)
Light, bright and airy first-floor residence with custom interior finishes including crown and base molding, crisp white cabinetry and hickory hand-scraped wood floors. A well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Situated in a charming setting with lush tropical landscaping, a soothing water feature greets you off of the main entry. Superior location, close to Cambier Park for art fairs, tennis and community fun events, with the cafes and restaurants of Fifth Avenue South and Third Street South moments away, and just minutes to the sandy beaches of the Gulf of Mexico.
-
2020-11-04status Pending With Contingencies 696-char remark
Show marketing remark (696 chars)
Light, bright and airy first-floor residence with custom interior finishes including crown and base molding, crisp white cabinetry and hickory hand-scraped wood floors. A well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Situated in a charming setting with lush tropical landscaping, a soothing water feature greets you off of the main entry. Superior location, close to Cambier Park for art fairs, tennis and community fun events, with the cafes and restaurants of Fifth Avenue South and Third Street South moments away, and just minutes to the sandy beaches of the Gulf of Mexico.
-
2020-10-23$349,000 Active 696-char remark
Show marketing remark (696 chars)
Light, bright and airy first-floor residence with custom interior finishes including crown and base molding, crisp white cabinetry and hickory hand-scraped wood floors. A well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Situated in a charming setting with lush tropical landscaping, a soothing water feature greets you off of the main entry. Superior location, close to Cambier Park for art fairs, tennis and community fun events, with the cafes and restaurants of Fifth Avenue South and Third Street South moments away, and just minutes to the sandy beaches of the Gulf of Mexico.
-
2016-06-24price $335,000 687-char remark
Show marketing remark (687 chars)
Light, bright and airy first-floor residence with custom interior finishes. Coastal backgrounds including crown and base molding, crisp white cabinetry and neutral tile throughout. Well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Charming setting with lush tropical landscape and soothing water feature off the main entry. Close to Cambier Park for art fairs, tennis and community fun events and the taste-tempting cafes and restaurants of Fifth Avenue South and Third Street South. This fantastic location is just blocks away from the sandy beaches of the Gulf of Mexico.
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2016-06-24soldstatus $335,000 Sold 687-char remark
Show marketing remark (687 chars)
Light, bright and airy first-floor residence with custom interior finishes. Coastal backgrounds including crown and base molding, crisp white cabinetry and neutral tile throughout. Well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Charming setting with lush tropical landscape and soothing water feature off the main entry. Close to Cambier Park for art fairs, tennis and community fun events and the taste-tempting cafes and restaurants of Fifth Avenue South and Third Street South. This fantastic location is just blocks away from the sandy beaches of the Gulf of Mexico.
-
2016-06-24soldstatus $335,000
Show marketing remark (687 chars)
Light, bright and airy first-floor residence with custom interior finishes. Coastal backgrounds including crown and base molding, crisp white cabinetry and neutral tile throughout. Well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Charming setting with lush tropical landscape and soothing water feature off the main entry. Close to Cambier Park for art fairs, tennis and community fun events and the taste-tempting cafes and restaurants of Fifth Avenue South and Third Street South. This fantastic location is just blocks away from the sandy beaches of the Gulf of Mexico.
-
2016-06-21price $349,000 687-char remark
Show marketing remark (687 chars)
Light, bright and airy first-floor residence with custom interior finishes. Coastal backgrounds including crown and base molding, crisp white cabinetry and neutral tile throughout. Well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Charming setting with lush tropical landscape and soothing water feature off the main entry. Close to Cambier Park for art fairs, tennis and community fun events and the taste-tempting cafes and restaurants of Fifth Avenue South and Third Street South. This fantastic location is just blocks away from the sandy beaches of the Gulf of Mexico.
-
2016-06-20status Pending With Contingencies 687-char remark
Show marketing remark (687 chars)
Light, bright and airy first-floor residence with custom interior finishes. Coastal backgrounds including crown and base molding, crisp white cabinetry and neutral tile throughout. Well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Charming setting with lush tropical landscape and soothing water feature off the main entry. Close to Cambier Park for art fairs, tennis and community fun events and the taste-tempting cafes and restaurants of Fifth Avenue South and Third Street South. This fantastic location is just blocks away from the sandy beaches of the Gulf of Mexico.
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2016-06-03price $349,000 687-char remark
Show marketing remark (687 chars)
Light, bright and airy first-floor residence with custom interior finishes. Coastal backgrounds including crown and base molding, crisp white cabinetry and neutral tile throughout. Well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Charming setting with lush tropical landscape and soothing water feature off the main entry. Close to Cambier Park for art fairs, tennis and community fun events and the taste-tempting cafes and restaurants of Fifth Avenue South and Third Street South. This fantastic location is just blocks away from the sandy beaches of the Gulf of Mexico.
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2016-03-22price $375,000 687-char remark
Show marketing remark (687 chars)
Light, bright and airy first-floor residence with custom interior finishes. Coastal backgrounds including crown and base molding, crisp white cabinetry and neutral tile throughout. Well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Charming setting with lush tropical landscape and soothing water feature off the main entry. Close to Cambier Park for art fairs, tennis and community fun events and the taste-tempting cafes and restaurants of Fifth Avenue South and Third Street South. This fantastic location is just blocks away from the sandy beaches of the Gulf of Mexico.
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2016-02-17$385,000 Active 687-char remark
Show marketing remark (687 chars)
Light, bright and airy first-floor residence with custom interior finishes. Coastal backgrounds including crown and base molding, crisp white cabinetry and neutral tile throughout. Well-planned kitchen includes classic subway tile backsplash, breakfast bar and stainless steel appliances. Washer and dryer are tucked away for added convenience. Charming setting with lush tropical landscape and soothing water feature off the main entry. Close to Cambier Park for art fairs, tennis and community fun events and the taste-tempting cafes and restaurants of Fifth Avenue South and Third Street South. This fantastic location is just blocks away from the sandy beaches of the Gulf of Mexico.
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2013-03-25soldstatus $229,000
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2013-01-25$229,000
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2013-01-12historical
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2012-01-02$219,000
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2009-12-21soldstatus $875,000
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2009-11-13$975,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast FL · Resets to sale price
- Current annual tax
- $2,709 · $226/mo
- Projected year-2 tax
- $2,905 · $242/mo
- Expected delta
- +$196/yr (+$16/mo · 7.2%)
ⓘ 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 1/10 Low
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 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
- $57,156
- − Mortgage interest
- −$19,605
- − Property taxes
- −$2,709
- − Insurance
- −$6,868
- − Repairs & maintenance
- −$4,572
- − Management
- −$4,572
- − HOA
- −$11,748
- − Depreciation
- −$10,182
- Taxable loss
- −$3,102
- Est. tax savings @ 24.0%
- +$744
- After-tax cash flow
- $2,547/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 — Naples
- Score
- 80/100
- State rank
- #126
- US rank
- #1903
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Naples, FL
- County
- Collier County · 396,295 people
- City population
- 344,941
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 11,179
- Household income
- $130,929
- Rent vs Own
- Severe rent burden
- 333.0
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 (79%)
- Race & ethnicity
- White 79% Hispanic / Latino 9% Two or more races 8% Black 8% Asian 1%
- Hispanic origin (detail)
- Cuban 6%
- Common ancestry
- Hispanic 4% Lithuanian 4% Romanian 4%
- Foreign-born
- 17% · Canada, China
- Languages at home
- 87% English-only · Spanish 7% French/Haitian/Cajun 4% German/W. Germanic 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
- ▲ 4.08%
- Current HPI
- 328.2755
- Rent YoY
- ▲ 8.75%
- 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 |
|
||
| Technology Manufacturing | 1 | $35B |
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Price history
-64.1% since first listed24 events — show timeline
- 2026-03-16 Price Changed $349,999 NAPLESMLS
- 2026-02-04 Relisted — NAPLESMLS
- 2026-02-02 Pending — NAPLESMLS
- 2026-01-13 Listed $399,000 NAPLESMLS
- 2020-12-04 Sold (Public Records) $347,000 Public Records
- 2020-12-03 Sold (MLS) $347,000 NAPLESMLS
- 2020-11-04 Pending — NAPLESMLS
- 2020-11-04 Relisted — NAPLESMLS
- 2020-11-04 Pending — NAPLESMLS
- 2020-10-23 Listed $349,000 NAPLESMLS
- 2016-06-24 Price Changed $335,000 NAPLESMLS
- 2016-06-24 Sold (Public Records) $335,000 Public Records
- 2016-06-24 Sold (MLS) $335,000 NAPLESMLS
- 2016-06-21 Price Changed $349,000 NAPLESMLS
- 2016-06-20 Pending — NAPLESMLS
- 2016-06-03 Price Changed $349,000 NAPLESMLS
- 2016-03-22 Price Changed $375,000 NAPLESMLS
- 2016-02-17 Listed $385,000 NAPLESMLS
- 2013-03-25 Sold (MLS) $229,000 NAPLESMLS
- 2013-01-25 Listed $229,000 NAPLESMLS
- 2013-01-12 Listing Removed — NAPLESMLS
- 2012-01-02 Listed $219,000 NAPLESMLS
- 2009-12-21 Sold (MLS) $875,000 NAPLESMLS
- 2009-11-13 Listed $975,000 NAPLESMLS
Property tax history
+2.1%/yrLatest (2025): $2,709 · -18.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…