2930 Acline Rd · Punta Gorda, FL 33950

$200,000

3 bd · 1.0 ba · 1,260 sqft · SingleFamily public records · 55 Days on market

Built 1965 0.30 ac lot Est $174k · 15% over

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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 +29.0/30.0
• DSCR +10.0/10.0
• 1% rule +7.1/10.0
• Schools +4.6/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.7/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fully Remodeled beautiful 3 bed 2 bath property with great access to US 41 and across from a shopping plaza. This beautifully restored property is directly across from Seminole Lakes Golf Course Community. Home has an open floor plan and a fireplace with an extremely spacious back yard. All new tile throughout and the property has been updated. 10 minutes from Downtown Punta Gorda with fabulous restaurants and shopping. Lowest priced renovated property Will not last long!

Key facts

• Central location
• Updated kitchen
• 0.3 acre lot

Tags

• UPDATED KITCHEN
• LARGE FENCED-IN BACKYARD
• EXPANSIVE SCREENED LANAI
• CENTRAL LOCATION

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $621 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Recommended offer: $194k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.4% 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); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
• Market conditions: Rents soft (-0.1%/yr); 999 active listings in the ZIP; 11 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 38% 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 $1k of loan paydown is wiped out by about $6k 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 55 days — a 3% lower offer ($194k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y ago; this cycle's ask has dropped $15k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $109k; list at $200k implies a 83% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; 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 $194,000 (3.0% below list)

Questions for the listing agent

1. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.21% ✓
• Cap rate: 10.42%
• Cash-on-cash: 14.73%
• DSCR: 1.66
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $173,880
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5910 Oakview Ln	0.22mi	3/2.0	1,416 (+12%)	3mo	$195,000	$138	62
10100 Burnt Store Rd #99	0.24mi	2/2.0 (-1)	1,080 (-14%)	15mo	$120,000	$111	44
26276 Stillwater Cir	0.34mi	2/2.0 (-1)	1,378 (+9%)	21mo	$300,000	$218	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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 0.0%
• Equity multiple: 1.00×
• Total profit: $21
• Equity at exit: $29,821

10-year hold

• IRR: 6.4%
• Equity multiple: 1.42×
• Total profit: $23,430
• Equity at exit: $17,292

Cash invested: $56,000 (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 33950

• Home prices YoY: -29.9%
• Rents YoY: -0.1%
• Active inventory: 999
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $2,423 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$94 /mo · $1,131/yr
• Insurance: −$83
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$509
• Net cashflow: $621

Break-even live

Break-even rent $1,637

Max offer price $200,000

Occupancy floor 69%

Sensitivity live

Price	-10% $734	-5% $678	+0% $621	+5% $564	+10% $508
Rent	-10% $430	-5% $525	+0% $621	+5% $717	+10% $812
Rate	-1.0pp $722	-0.5pp $672	base $621	+0.5pp $569	+1.0pp $516

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9489 Turtle Grass Cir Punta Gorda, FL	4.0	2.0	1828	$2,500	$1.37	14d	1	0.41mi
26162 Stillwater Cir Punta Gorda, FL	2.0	2.0	1266	$2,000	$1.58	21d	1	0.53mi
3845 Albacete Cir #50 Punta Gorda, FL	2.0	2.0	1451	$2,200	$1.52	21d	1	0.76mi
26120 Jones Loop Rd Punta Gorda, FL	3.0	1.0–2.0	1105	$2,275	$2.06	14d	27	0.79mi
3800 Tripoli Blvd #35 Punta Gorda, FL	2.0	2.0	1451	$4,200	$2.89	21d	1	0.82mi
15 N Cardinal Unit B15 Punta Gorda, FL	2.0	2.0	960	$1,700	$1.77	21d	1	0.93mi
9984 Spring Gulch Ln Punta Gorda, FL	3.0	2.0	1507	$1,849	$1.23	21d	1	1.00mi
3701 Albacete Cir #98 Punta Gorda, FL	2.0	2.0	1451	$3,250	$2.24	21d	1	1.09mi
449 Royal Poinciana #221 Punta Gorda, FL	2.0	2.0	1164	$1,750	$1.50	21d	1	1.15mi
7361 S Plum Tree Punta Gorda, FL	3.0	2.0	1373	$1,900	$1.38	21d	1	1.20mi
3500 Mondovi Ct #811 Punta Gorda, FL	3.0	2.0	1596	$3,200	$2.01	21d	1	1.39mi

Listing history 22 events

1. 2026-02-05
   status Pending
2. 2026-01-16
   price $200,000
3. 2026-01-16
   status Active
4. 2026-01-05
   status Pending
5. 2025-12-01
   listed $215,000 Active
6. 2016-11-28
   soldstatus $109,000
7. 2016-11-27
   soldstatus $105,000 Sold 478-char remark

   Show marketing remark (478 chars)

   Fully Remodeled beautiful 3 bed 2 bath property with great access to US 41 and across from a shopping plaza. This beautifully restored property is directly across from Seminole Lakes Golf Course Community. Home has an open floor plan and a fireplace with an extremely spacious back yard. All new tile throughout and the property has been updated. 10 minutes from Downtown Punta Gorda with fabulous restaurants and shopping. Lowest priced renovated property Will not last long!

8. 2016-10-24
   status Active 478-char remark

   Show marketing remark (478 chars)

   Fully Remodeled beautiful 3 bed 2 bath property with great access to US 41 and across from a shopping plaza. This beautifully restored property is directly across from Seminole Lakes Golf Course Community. Home has an open floor plan and a fireplace with an extremely spacious back yard. All new tile throughout and the property has been updated. 10 minutes from Downtown Punta Gorda with fabulous restaurants and shopping. Lowest priced renovated property Will not last long!

9. 2016-08-31
   status Pending 478-char remark

   Show marketing remark (478 chars)

   Fully Remodeled beautiful 3 bed 2 bath property with great access to US 41 and across from a shopping plaza. This beautifully restored property is directly across from Seminole Lakes Golf Course Community. Home has an open floor plan and a fireplace with an extremely spacious back yard. All new tile throughout and the property has been updated. 10 minutes from Downtown Punta Gorda with fabulous restaurants and shopping. Lowest priced renovated property Will not last long!

10. 2016-08-08
    listed $119,900 Active 478-char remark

    Show marketing remark (478 chars)

    Fully Remodeled beautiful 3 bed 2 bath property with great access to US 41 and across from a shopping plaza. This beautifully restored property is directly across from Seminole Lakes Golf Course Community. Home has an open floor plan and a fireplace with an extremely spacious back yard. All new tile throughout and the property has been updated. 10 minutes from Downtown Punta Gorda with fabulous restaurants and shopping. Lowest priced renovated property Will not last long!

11. 2016-05-27
    soldstatus $60,000 Sold 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

12. 2016-05-11
    status Pending 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

13. 2016-05-10
    historical Active with Contract 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

14. 2016-04-14
    price $74,900 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

15. 2016-03-22
    price $79,900 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

16. 2016-03-09
    status Active 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

17. 2016-02-22
    status Pending 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

18. 2016-02-18
    historical Active with Contract 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

19. 2016-02-18
    historical 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

20. 2016-01-27
    listed $84,900 Active 326-char remark

    Show marketing remark (326 chars)

    Convenient to 75 from this spacious home located just off 41. Seminole lakes golf course and community just across the street. Home has open floor plan and a fireplace with a spacious backyard. A lot of house in a nice location for the money. 10 minutes from active downtown Punta Gorda with fabulous restaurants and shopping.

21. 2006-02-24
    historical
22. 2006-01-30
    listed $194,900

ⓘ 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: $1,131 · $94/mo
• Projected year-2 tax: $1,660 · $138/mo
• Expected delta: +$529/yr (+$44/mo · 46.8%)

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (shaded) · 97% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,070
• − Mortgage interest: −$11,203
• − Property taxes: −$1,131
• − Insurance: −$1,798
• − Repairs & maintenance: −$2,326
• − Management: −$2,326
• − Depreciation: −$5,818
• Taxable income: $4,469
• Est. tax owed @ 24.0%: −$1,073
• After-tax cash flow: $6,378/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
• City population: 68,831
• Metro: Punta Gorda, FL
• Population (ZIP): 24,955
• Household income: $76,369
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 608.0

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 (86%)
• Race & ethnicity: White 86% Two or more races 5% Black 5% Hispanic / Latino 4% Asian 1%
• Common ancestry: Lithuanian 5% Romanian 4% Italian 2%
• Foreign-born: 7% · Canada
• Languages at home: 95% English-only · Spanish 3% Other Indo-European 1% German/W. Germanic 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: ▼ -111.73%
• Current HPI: 261.6573
• Rent YoY: ▼ -0.06%
• 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

+2.6% since first listed

22 events — show timeline

• 2026-02-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Price Changed $200,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-12-01 Listed $215,000 Stellar MLS as Distributed by MLS Grid
• 2016-11-28 Sold (Public Records) $109,000 Public Records
• 2016-11-27 Sold (MLS) $105,000 Stellar MLS as Distributed by MLS Grid
• 2016-10-24 Relisted — Stellar MLS as Distributed by MLS Grid
• 2016-08-31 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-08-08 Listed $119,900 Stellar MLS as Distributed by MLS Grid
• 2016-05-27 Sold (MLS) $60,000 Stellar MLS as Distributed by MLS Grid
• 2016-05-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-05-10 Contingent — Stellar MLS as Distributed by MLS Grid
• 2016-04-14 Price Changed $74,900 Stellar MLS as Distributed by MLS Grid
• 2016-03-22 Price Changed $79,900 Stellar MLS as Distributed by MLS Grid
• 2016-03-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2016-02-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-02-18 Contingent — Stellar MLS as Distributed by MLS Grid
• 2016-02-18 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2016-01-27 Listed $84,900 Stellar MLS as Distributed by MLS Grid
• 2006-02-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-01-30 Listed $194,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.4%/yr

Latest (2025): $1,131 · +3.4% YoY. Source: county tax records.