13148 Caliente Dr · Punta Gorda, FL 33955

$225,000

2 bd · 2.0 ba · 930 sqft · Land public records · 40 Days on market

Built 2024 7,199 sqft lot

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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 +14.4/30.0
• ARV discount +7.5/15.0
• Schools +4.6/10.0
• DSCR +4.4/10.0
• 1% rule +3.9/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Why wait to build when you can move right into this beautifully finished 2024 built 2-bedroom, 1.5-bath home with an attached 1-car garage, located in the rural community of Tropical Gulf Acres. The open-concept great room floor plan offers flexibility and comfort for everyday living and entertaining. Features include wood plank luxury vinyl flooring throughout, decorator light and fan fixtures, recessed lighting, and elegant tray ceilings in both the great room and the primary bedroom. The kitchen is well-appointed with granite countertops, warm wood cabinetry, stainless steel appliances, a pantry, built-in buffet, and a breakfast bar accented by pendant lighting—all opening seamless

Key facts

• Laundry area
• Granite countertops
• 7,199 sq ft lot

Tags

• OPEN CONCEPT GREAT ROOM
• GRANITE COUNTERTOPS
• IMPACT RESISTANT WINDOWS
• LAUNDRY AREA
• CLOSE PROXIMITY TO WATERWAYS
• EASY ACCESS TO PUBLIC PARKS

Property features AI

Finance

• Other: Residential zoning RSF3.5; Property type: Single family residence; Unfurnished
• HOA & community: No association; Pets allowed

Exterior

• Parking: Driveway; Attached garage with garage door opener (1 garage space)
• Utilities: Well water; Septic tank; Cable available; Electricity available and connected
• Home design: Single family residence; One level; Faces west
• Construction: Block and stone construction; Shingle roof; Slab foundation; Built on a 0.17-acre lot (approx. 60 x 120)
• Exterior features: Covered rear porch; Exterior lighting; Rain gutters; Paved lot

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Living room / dining room combo; Open floorplan; Solid wood cabinets; Stone counters; Tray ceilings
• Laundry & utility: Laundry located in garage

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath land listed at $225k.

Deal economics

• At list price, monthly cash flow is $45 ($539/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $201k (10.6% below list).
• Recommended offer: $201k (10.6% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 2.8% 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: 1490 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 31% of the median local income ($77k/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 $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.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($218k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y 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 $160k; 41% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: 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.

Recommended offer $201,242 (10.6% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.89% ✗
• Cap rate: 6.53%
• Cash-on-cash: 0.85%
• DSCR: 1.04
• GRM: 9.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -14.9%
• Equity multiple: 0.47×
• Total profit: $-33,577
• Equity at exit: $33,548

10-year hold

• IRR: -6.3%
• Equity multiple: 0.60×
• Total profit: $-25,459
• Equity at exit: $19,454

Cash invested: $63,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

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

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

Methodology + full state rankings →

ZIP-level market 33955

• Home prices YoY: -24.5%
• Active inventory: 1490
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $2,012 medium
• Mortgage (P&I): −$1,180
• Tax from tax record: −$271 /mo · $3,255/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$423
• Net cashflow: $45

Break-even live

Break-even rent $1,956

Max offer price $225,000

Occupancy floor 93%

Sensitivity live

Price	-10% $172	-5% $109	+0% $45	+5% $-19	+10% $-82
Rent	-10% $-114	-5% $-35	+0% $45	+5% $124	+10% $204
Rate	-1.0pp $158	-0.5pp $102	base $45	+0.5pp $-13	+1.0pp $-73

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
27382 Pasadena Dr Punta Gorda, FL	3.0	1.0	800	$1,445	$1.81	22d	1	0.40mi

Listing history 30 events

1. 2026-06-22
   days on market $225,000 Active 40 DOM
2. 2026-06-18
   days on market $225,000 Active 37 DOM
3. 2026-06-17
   days on market $225,000 Active 36 DOM
4. 2026-06-16
   days on market $225,000 Active 35 DOM
5. 2026-06-15
   days on market $225,000 Active 34 DOM
6. 2026-06-14
   days on market $225,000 Active 32 DOM
7. 2026-06-13
   days on market $225,000 Active 31 DOM
8. 2026-06-10
   days on market $225,000 Active 29 DOM
9. 2026-06-09
   days on market $225,000 Active 28 DOM
10. 2026-06-08
    days on market $225,000 Active 27 DOM
11. 2026-06-07
    days on market $225,000 Active 26 DOM
12. 2026-06-05
    days on market $225,000 Active 23 DOM
13. 2026-06-03
    days on market $225,000 Active 22 DOM
14. 2026-06-02
    days on market $225,000 Active 21 DOM
15. 2026-06-01
    days on market $225,000 Active 20 DOM
16. 2026-05-31
    days on market $225,000 Active 19 DOM
17. 2026-05-30
    days on market $225,000 Active 18 DOM
18. 2026-05-12
    listed $225,000 Active
19. 2024-11-20
    historical
20. 2024-10-14
    price $245,000
21. 2024-08-19
    status Active
22. 2024-07-29
    status Pending
23. 2024-07-25
    price $255,000
24. 2024-07-08
    price $265,000
25. 2024-07-05
    status Active
26. 2024-04-26
    status Pending
27. 2024-04-10
    price $275,000
28. 2024-03-28
    listed $280,000 Active
29. 2021-08-31
    soldstatus $160,000
30. 2018-05-21
    soldstatus $48,000

ⓘ 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: $3,255 · $271/mo
• Projected year-2 tax: $3,255 · $271/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 4/10 Moderate FEMA zone D · 20% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 26 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,149
• − Mortgage interest: −$12,603
• − Property taxes: −$3,255
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,932
• − Management: −$1,932
• − Depreciation: −$6,545
• Taxable loss: −$3,244
• Est. tax savings @ 24.0%: +$779
• After-tax cash flow: $1,317/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 — 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 · 196,994 people
• Metro: Punta Gorda, FL
• Population (ZIP): 12,399
• Household income: $76,943
• Rent vs Own: 9.5% rent · 90.5% own
• Severe rent burden: 226.0

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 (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: —

Market trends

• HPI YoY: ▼ -78.71%
• Current HPI: 242.9043
• Rent YoY: —
• 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

+368.8% since first listed

13 events — show timeline

• 2026-05-12 Listed $225,000 Stellar MLS as Distributed by MLS Grid
• 2024-11-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-10-14 Price Changed $245,000 Stellar MLS as Distributed by MLS Grid
• 2024-08-19 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-07-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-07-25 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
• 2024-07-08 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
• 2024-07-05 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-04-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-04-10 Price Changed $275,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-28 Listed $280,000 Stellar MLS as Distributed by MLS Grid
• 2021-08-31 Sold (Public Records) $160,000 Public Records
• 2018-05-21 Sold (Public Records) $48,000 Public Records

Property tax history

+24.4%/yr

Latest (2025): $3,255 · +817.9% YoY. Source: county tax records.