1735 Loralin Dr · Englewood, FL 34223

$269,900

2 bd · 2.0 ba · 890 sqft · SingleFamily public records · 146 Days on market

Built 1973 8,925 sqft lot Est $309k · 13% under $4/mo HOA

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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 +20.4/30.0
• ARV discount +13.2/15.0
• DSCR +6.5/10.0
• Rent growth +4.8/5.0
• Schools +4.6/10.0
• 1% rule +4.3/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

PRICE IMPROVEMENT! LOCATION~ LOCATION~ There is walk ability and biking to CVS, Aldi, Dollar Tree, Wells Faro, YMCA, Englewood Hospital, several Medical centers, several eateries as well as BOA! Have you heard of the One of a Kind Florida store BEALL'S ? Yes you can walk or ride your bike to all these locations and many more!What an amazing opportunity to OWN Your Piece of Paradise! Welcome to 1735 Loralin just 6 minutes to the GULF! Englewood Beach, Blind Pass, Middle Beach all ready to offer you the Florida Sunshine that takes care of those achy bones! What Snow storm? No snow shovels just Snowbirds~~~~ Come enjoy this Completely Remodeled Home! Seller is ready to start a NEW Chapter in

Key facts

• Full bathroom
• Sun room
• Gulf access

Tags

• GULF ACCESS
• COMPLETELY REMODELED HOME
• SUN ROOM
• LANAI
• FULL BATHROOM
• WALK-IN SHOWER

Property features AI

Finance

• Other: Furnished; Universal property ID available
• Financial info: No lease restrictions indicated; Total monthly fees listed as $4.17; Total annual fees listed as $50
• HOA & community: Has HOA (Ken Blackshaw) — optional association; Association fee $50 annually (approx. $4.17/month); Pets allowed: cats and dogs

Exterior

• Parking: Attached garage; 2-car garage; Driveway; Garage door opener; Bath in garage
• Utilities: Public water; Public sewer; Sewer connected
• Home design: Single family residence; Residential property; One-story; Faces northwest; Completed condition
• Construction: Block construction; Shingle roof; Block and slab foundation; Built using public records (living area source)
• Exterior features: Covered rear porch; Awnings; Exterior lighting; Trees and landscaping; Near golf course; Near marina; Paved, asphalt road (public maintained)

Interior

• Kitchen: Cooktop; Range; Microwave; Dishwasher; Refrigerator; Solid surface counters; Solid wood cabinets
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Open floorplan; Living room/dining room combo; Solid surface counters; Solid wood cabinets; Window treatments; Blinds
• Laundry & utility: Washer; Dryer; Laundry area in garage

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $270k.

Deal economics

• At list price, monthly cash flow is $-75 ($-903/yr) — negative.
• To cash-flow at today's rent, offer at most $257k (4.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $251k (6.9% below list).
• Recommended offer: $238k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 3.8% in Englewood — 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 73/100 on livability (#321 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A, health & safety A; Watch: employment C-, 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: Lemon Bay High School (math 50% / reading 56%, grade C-, #148 of 667 statewide, top 23%, 1,360 students, 28% FRL) — zoned schools average 28% FRL vs 54% district-wide (25 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+9.0%/yr); 717 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 40% of the median local income ($76k/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 $2k of loan paydown is wiped out by about $8k 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 146 days — a 12% lower offer ($238k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $110k; list at $270k implies a 145% gain — meaningful room to come down on a strong offer.

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→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $237,512 (12.0% 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 146 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 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?
9. 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.
10. 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.
11. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.93% ✗
• Cap rate: 7.85%
• Cash-on-cash: 5.58%
• DSCR: 1.25
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $308,830
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1600 Maryknoll Rd	0.18mi	2/1.0	928 (+4%)	4mo	$228,700	$246	77
825 E 5th St	0.29mi	2/1.5	936 (+5%)	3mo	$325,000	$347	74
1490 Homestead Dr	0.35mi	2/2.0	1,014 (+14%)	5mo	$600,000	$592	56
1010 Haste Ln	0.49mi	1/1.0 (-1)	858 (-4%)	13mo	$292,000	$340	51
35 Hillcrest Dr	0.59mi	2/1.0	770 (-14%)	0mo	$215,000	$279	46
1715 Riverside Dr	0.53mi	2/2.0	768 (-14%)	13mo	$477,000	$621	42

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -12.2%
• Equity multiple: 0.54×
• Total profit: $-35,089
• Equity at exit: $40,243

10-year hold

• IRR: 3.6%
• Equity multiple: 1.32×
• Total profit: $24,364
• Equity at exit: $23,336

Cash invested: $75,572 (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 34223

• Home prices YoY: -34.2%
• Rents YoY: 9.0%
• Active inventory: 717
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $2,513 high
• Mortgage (P&I): −$1,415
• Tax from tax record: −$102 /mo · $1,227/yr
• Insurance: −$112
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$4
• Vacancy / Maint / Mgmt: −$528
• Net cashflow: $-75

Break-even live

Break-even rent $2,608

Max offer price $256,607

Occupancy floor 98%

Sensitivity live

Price	-10% $78	-5% $1	+0% $-75	+5% $-152	+10% $-228
Rent	-10% $-274	-5% $-175	+0% $-75	+5% $24	+10% $123
Rate	-1.0pp $61	-0.5pp $-7	base $-75	+0.5pp $-145	+1.0pp $-216

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: $67,475
• Closing costs: $8,097
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1435 New Point Comfort Rd Unit B Englewood, FL	1.0	1.0	744	$1,520	$2.04	21d	1	0.26mi
1210 S Maryknoll Rd Englewood, FL	2.0	2.0	1063	$2,600	$2.45	21d	1	0.32mi
1531 Placida Rd #204 Englewood, FL	2.0	2.0	1056	$3,500	$3.31	21d	1	0.42mi
1531 Placida Rd #203 Englewood, FL	2.0	2.0	1056	$3,900	$3.69	21d	1	0.42mi
1401 S McCall Rd Unit 301A Englewood, FL	2.0	2.0	1093	$3,300	$3.02	21d	1	0.43mi
1604 Cardinal Ln Unit 1 Englewood, FL	1.0	1.0	750	$1,300	$1.73	21d	1	1.06mi
2275 S McCall Rd #201 Englewood, FL	2.0	2.0	1050	$2,000	$1.90	14d	1	1.19mi

HOA detail

• Monthly dues: $4 · $48/yr

Listing history 20 events

1. 2026-06-18
   days on market $269,900 Active 146 DOM
2. 2026-06-17
   days on market $269,900 Active 145 DOM
3. 2026-06-16
   days on market $269,900 Active 144 DOM
4. 2026-06-15
   days on market $269,900 Active 143 DOM
5. 2026-06-14
   days on market $269,900 Active 141 DOM
6. 2026-06-13
   days on market $269,900 Active 140 DOM
7. 2026-06-10
   days on market $269,900 Active 138 DOM
8. 2026-06-09
   days on market $269,900 Active 137 DOM
9. 2026-06-08
   days on market $269,900 Active 136 DOM
10. 2026-06-05
    days on market $269,900 Active 132 DOM
11. 2026-06-03
    days on market $269,900 Active 131 DOM
12. 2026-06-02
    days on market $269,900 Active 130 DOM
13. 2026-06-01
    days on market $269,900 Active 129 DOM
14. 2026-05-31
    days on market $269,900 Active 128 DOM
15. 2026-05-30
    days on market $269,900 Active 127 DOM
16. 2026-03-21
    price $269,900
17. 2026-01-23
    listed $279,900 Active
18. 2003-09-07
    soldstatus $110,000
19. 2000-10-05
    soldstatus $78,400
20. 1999-04-22
    soldstatus $75,000

ⓘ 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: $1,227 · $102/mo
• Projected year-2 tax: $2,240 · $187/mo
• Expected delta: +$1,014/yr (+$84/mo · 82.6%)

ⓘ 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 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 30 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,157
• − Mortgage interest: −$15,119
• − Property taxes: −$1,227
• − Insurance: −$6,468
• − Repairs & maintenance: −$2,413
• − Management: −$2,413
• − HOA: −$48
• − Depreciation: −$7,852
• Taxable loss: −$5,381
• Est. tax savings @ 24.0%: +$1,291
• After-tax cash flow: $388/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 — Englewood

• Score: 73/100
• State rank: #321
• US rank: #5655

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Englewood, FL
• County: Sarasota County · 448,376 people
• City population: 35,420
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 19,884
• Household income: $76,016
• Rent vs Own: 12.5% rent · 87.5% own
• Severe rent burden: 290.0

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 (94%)
• Race & ethnicity: White 94% Two or more races 3% Hispanic / Latino 3% Asian 1%
• Common ancestry: Romanian 7% Lithuanian 4% Iranian 2%
• Foreign-born: 9% · Canada
• Languages at home: 94% English-only · German/W. Germanic 2% Spanish 1% 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: ▼ -146.26%
• Current HPI: 281.0529
• Rent YoY: ▲ 9.02%
• Metro: North Port-Sarasota-Bradenton, 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

+259.9% since first listed

5 events — show timeline

• 2026-03-21 Price Changed $269,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-23 Listed $279,900 Stellar MLS as Distributed by MLS Grid
• 2003-09-07 Sold (Public Records) $110,000 Public Records
• 2000-10-05 Sold (Public Records) $78,400 Public Records
• 1999-04-22 Sold (Public Records) $75,000 Public Records

Property tax history

+2.4%/yr

Latest (2025): $1,227 · -15.5% YoY. Source: county tax records.