1263 Rialto Way #102 · Marco Shores-Hammock Bay, FL 34114

$549,000

3 bd · 2.0 ba · 1,836 sqft · Condo public records · 373 Days on market

Built 2003 $782/mo HOA · 15% 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 +11.5/30.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• 1% rule +4.6/10.0
• Appreciation +4.3/10.0
• DSCR +3.4/10.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Experience the ease of luxury living in this beautifully furnished first-floor coach home, nestled within the sought-after Rialto enclave of the prestigious gated Hammock Bay Golf & Country Club. Combining the spacious feel of a single-family home with the low-maintenance convenience of condominium ownership, this residence features three bedrooms, two baths, and a two-car garage—perfect for seasonal or year-round living. Enjoy desirable western exposure from your expansive screened lanai with no-see-um screening, offering peaceful golf course views and a seamless extension of your indoor living space. Impact-resistant doors and windows provide enhanced security and year-round peace of mind. Inside, you'll find abundant natural light and brand-NEW tile flooring throughout the main living areas, elevating the home's elegance and style. The open-concept kitchen is appointed with white cabinetry, under-cabinet lighting, recessed ceiling lights, a pantry, and a full suite of appliances including a refrigerator with icemaker, range, microwave, and NEW dishwasher (2022). A charming breakfast nook framed by a large window provides lanai access, while the formal dining room features custom wall mirrors that visually expand the space. The light-filled living room flows effortlessly to the outdoor lanai through glass sliders-ideal for both relaxed lounging and entertaining guests. The spacious primary suite offers direct lanai access, a generous walk-in closet, and an en-suite bath with dual vanities, full-width mirrors, walk-in shower with bench, and a linen closet. Two guest bedrooms enjoy their own private wing and share a well-appointed bathroom with a shower/tub combination. A functional laundry room includes a washer and dryer, utility sink, and overhead storage cabinets. A NEW hot water heater (2023) adds further value and peace of mind. This exceptional residence is located within a highly-sought-after community offering resort-style living just minutes from the executive airport, award-winning, white-sand beaches, renowned golf courses, fine dining, casual waterfront restaurants, boutique shopping, grocery stores, parks, art galleries, marinas and yacht clubs, and all the popular cultural and recreational offerings of Naples and Marco Island.

Key facts

• Open-concept kitchen
• Golf course views
• White cabinetry

Tags

• FIRST-FLOOR COACH HOME
• EXPANSIVE SCREENED LANAI
• GOLF COURSE VIEWS
• BRAND-NEW TILE FLOORING
• OPEN-CONCEPT KITCHEN
• WHITE CABINETRY

Property features AI

Other

• Other: Approximate living area listed; Unit is one of 88 units in the complex and one of 4 units in the building; Two floors in the building; Lot/unit number 102; regular lot with restrictions: no commercial, no RV; Central irrigation

Finance

• HOA & community: Quarterly condominium fee ($2,346); Total annual recurring HOA fees $9,384; One-time fees $150; HOA covers insurance, irrigation water, lawn/land maintenance, pest control (exterior), sewer, street lights, repairs, reserves, legal/accounting, management; Professional management; Community type: gated, golf course with golf equity

Exterior

• Parking: Attached 2-car garage; Covered parking; Paved driveway; 2+ parking spaces
• Security: Gated community; Guard at gate; Impact resistant doors and windows
• Utilities: Central water; Central sewer; Cable available
• Home design: Residential carriage/coach style; Low-rise building (1–3 stories); Rear exposure faces west; Located in a gated golf-course community (Hammock Bay)
• Construction: Concrete block construction; Stucco exterior; Built in 2003; Built-up or flat roof
• Exterior features: Patio; Landscaped area; Golf course view; Paved road access

Interior

• Kitchen: Pantry; Electric cooktop; Self-cleaning oven; Microwave; Dishwasher; Disposal; Refrigerator/freezer
• Bedrooms: 3 bedrooms; First-floor bedroom; Split bedroom floor plan; Walk-in closet in master
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms; Master bathroom with dual sinks and shower (no tub)
• Heating & cooling: Central electric heat; Central electric air conditioning; Ceiling fans
• Interior features: Built-in cabinets; Cable prewire; Closet cabinets; Foyer; High-speed internet available; Laundry tub; Pantry; Smoke detectors; Window coverings; Screened lanai/porch; Guest bath; Guest room; Furnished
• Laundry & utility: Washer and dryer included; Washer/dryer hookup; Laundry in residence; Auto garage door

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath condo listed at $549k.

Deal economics

• At list price, monthly cash flow is $-606 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $442k (19.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $525k (4.4% below list).
• Recommended offer: $442k (19.5% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• 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 (+3.2%/yr); 900 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $5,247/mo this rent would consume 70% of the median local household income ($89k/yr) (locally 550% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-1.5%/yr); year-one equity from $4k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 373 days — a 12% lower offer ($483k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 22y ago; this cycle's ask has dropped $76k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $352k; list at $549k implies a 56% 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→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $441,866 (19.5% 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 373 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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?
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 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: 0.96% ✗
• Cap rate: 5.90%
• Cash-on-cash: -1.40%
• DSCR: 0.94
• GRM: 8.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.48% appreciation · 3.21% rent growth · sell at horizon

5-year hold

• IRR: -14.2%
• Equity multiple: 0.41×
• Total profit: $-89,989
• Equity at exit: $119,964

10-year hold

• IRR: -6.8%
• Equity multiple: 0.43×
• Total profit: $-87,993
• Equity at exit: $115,558

Cash invested: $153,720 (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 34114

• Home prices YoY: -0.6%
• Rents YoY: 3.2%
• Active inventory: 900
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $5,247 high
• Mortgage (P&I): −$2,879
• Tax from tax record: −$435 /mo · $5,223/yr
• Insurance: −$229
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$782
• Vacancy / Maint / Mgmt: −$1,102
• Net cashflow: $-606

Break-even live

Break-even rent $6,015

Max offer price $441,866

Occupancy floor —

Sensitivity live

Price	-10% $-296	-5% $-451	+0% $-606	+5% $-762	+10% $-917
Rent	-10% $-1,021	-5% $-814	+0% $-606	+5% $-399	+10% $-192
Rate	-1.0pp $-330	-0.5pp $-467	base $-606	+0.5pp $-749	+1.0pp $-893

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: $137,250
• Closing costs: $16,470
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1252 Rialto Way #202 Naples, FL	3.0	2.0	2455	$4,500	$1.83	24d	1	0.09mi
1060 Borghese Ln #2002 Naples, FL	2.0	2.5	2349	$10,000	$4.26	24d	1	0.12mi
1060 Borghese Ln #603 Naples, FL	3.0	4.0	2524	$6,895	$2.73	24d	1	0.12mi
1065 Borghese Ln #2003 Naples, FL	3.0	2.5	1768	$13,000	$7.35	22d	1	0.15mi
1065 Borghese Ln #2003 Naples, FL	3.0	2.5	1768	$13,000	$7.35	24d	1	0.15mi
1024 Mainsail Dr #512 Naples, FL	3.0	2.0	1276	$2,300	$1.80	14d	1	0.23mi
1042 Mainsail Dr #822 Naples, FL	3.0	2.0	1276	$1,895	$1.49	24d	1	0.27mi
1446 Borghese Ln Naples, FL	3.0	2.5	2000	$3,600	$1.80	24d	1	0.41mi

HOA detail condo

• Monthly dues: $782 · $9,384/yr
• Likely covers: watersecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 29 events

1. 2026-06-18
   days on market $549,000 Active 373 DOM
2. 2026-06-17
   days on market $549,000 Active 372 DOM
3. 2026-06-16
   days on market $549,000 Active 371 DOM
4. 2026-06-15
   days on market $549,000 Active 370 DOM
5. 2026-06-10
   days on market $549,000 Active 365 DOM
6. 2026-06-09
   days on market $549,000 Active 364 DOM
7. 2026-06-08
   days on market $549,000 Active 363 DOM
8. 2026-06-07
   days on market $549,000 Active 362 DOM
9. 2026-06-02
   days on market $549,000 Active 357 DOM
10. 2026-06-01
    days on market $549,000 Active 356 DOM
11. 2026-05-31
    days on market $549,000 Active 355 DOM
12. 2026-05-30
    days on market $549,000 Active 354 DOM
13. 2026-02-17
    price $549,000

    Show marketing remark (2291 chars)

    Experience the ease of luxury living in this beautifully furnished first-floor coach home, nestled within the sought-after Rialto enclave of the prestigious gated Hammock Bay Golf & Country Club. Combining the spacious feel of a single-family home with the low-maintenance convenience of condominium ownership, this residence features three bedrooms, two baths, and a two-car garage—perfect for seasonal or year-round living. Enjoy desirable western exposure from your expansive screened lanai with no-see-um screening, offering peaceful golf course views and a seamless extension of your indoor living space. Impact-resistant doors and windows provide enhanced security and year-round peace of mind. Inside, you'll find abundant natural light and brand-NEW tile flooring throughout the main living areas, elevating the home's elegance and style. The open-concept kitchen is appointed with white cabinetry, under-cabinet lighting, recessed ceiling lights, a pantry, and a full suite of appliances including a refrigerator with icemaker, range, microwave, and NEW dishwasher (2022). A charming breakfast nook framed by a large window provides lanai access, while the formal dining room features custom wall mirrors that visually expand the space. The light-filled living room flows effortlessly to the outdoor lanai through glass sliders-ideal for both relaxed lounging and entertaining guests. The spacious primary suite offers direct lanai access, a generous walk-in closet, and an en-suite bath with dual vanities, full-width mirrors, walk-in shower with bench, and a linen closet. Two guest bedrooms enjoy their own private wing and share a well-appointed bathroom with a shower/tub combination. A functional laundry room includes a washer and dryer, utility sink, and overhead storage cabinets. A NEW hot water heater (2023) adds further value and peace of mind. This exceptional residence is located within a highly-sought-after community offering resort-style living just minutes from the executive airport, award-winning, white-sand beaches, renowned golf courses, fine dining, casual waterfront restaurants, boutique shopping, grocery stores, parks, art galleries, marinas and yacht clubs, and all the popular cultural and recreational offerings of Naples and Marco Island.

14. 2026-02-17
    price $549,000 2291-char remark

    Show marketing remark (2291 chars)

    Experience the ease of luxury living in this beautifully furnished first-floor coach home, nestled within the sought-after Rialto enclave of the prestigious gated Hammock Bay Golf & Country Club. Combining the spacious feel of a single-family home with the low-maintenance convenience of condominium ownership, this residence features three bedrooms, two baths, and a two-car garage—perfect for seasonal or year-round living. Enjoy desirable western exposure from your expansive screened lanai with no-see-um screening, offering peaceful golf course views and a seamless extension of your indoor living space. Impact-resistant doors and windows provide enhanced security and year-round peace of mind. Inside, you'll find abundant natural light and brand-NEW tile flooring throughout the main living areas, elevating the home's elegance and style. The open-concept kitchen is appointed with white cabinetry, under-cabinet lighting, recessed ceiling lights, a pantry, and a full suite of appliances including a refrigerator with icemaker, range, microwave, and NEW dishwasher (2022). A charming breakfast nook framed by a large window provides lanai access, while the formal dining room features custom wall mirrors that visually expand the space. The light-filled living room flows effortlessly to the outdoor lanai through glass sliders-ideal for both relaxed lounging and entertaining guests. The spacious primary suite offers direct lanai access, a generous walk-in closet, and an en-suite bath with dual vanities, full-width mirrors, walk-in shower with bench, and a linen closet. Two guest bedrooms enjoy their own private wing and share a well-appointed bathroom with a shower/tub combination. A functional laundry room includes a washer and dryer, utility sink, and overhead storage cabinets. A NEW hot water heater (2023) adds further value and peace of mind. This exceptional residence is located within a highly-sought-after community offering resort-style living just minutes from the executive airport, award-winning, white-sand beaches, renowned golf courses, fine dining, casual waterfront restaurants, boutique shopping, grocery stores, parks, art galleries, marinas and yacht clubs, and all the popular cultural and recreational offerings of Naples and Marco Island.

15. 2025-10-31
    price $595,000

    Show marketing remark (2291 chars)

    Experience the ease of luxury living in this beautifully furnished first-floor coach home, nestled within the sought-after Rialto enclave of the prestigious gated Hammock Bay Golf & Country Club. Combining the spacious feel of a single-family home with the low-maintenance convenience of condominium ownership, this residence features three bedrooms, two baths, and a two-car garage—perfect for seasonal or year-round living. Enjoy desirable western exposure from your expansive screened lanai with no-see-um screening, offering peaceful golf course views and a seamless extension of your indoor living space. Impact-resistant doors and windows provide enhanced security and year-round peace of mind. Inside, you'll find abundant natural light and brand-NEW tile flooring throughout the main living areas, elevating the home's elegance and style. The open-concept kitchen is appointed with white cabinetry, under-cabinet lighting, recessed ceiling lights, a pantry, and a full suite of appliances including a refrigerator with icemaker, range, microwave, and NEW dishwasher (2022). A charming breakfast nook framed by a large window provides lanai access, while the formal dining room features custom wall mirrors that visually expand the space. The light-filled living room flows effortlessly to the outdoor lanai through glass sliders-ideal for both relaxed lounging and entertaining guests. The spacious primary suite offers direct lanai access, a generous walk-in closet, and an en-suite bath with dual vanities, full-width mirrors, walk-in shower with bench, and a linen closet. Two guest bedrooms enjoy their own private wing and share a well-appointed bathroom with a shower/tub combination. A functional laundry room includes a washer and dryer, utility sink, and overhead storage cabinets. A NEW hot water heater (2023) adds further value and peace of mind. This exceptional residence is located within a highly-sought-after community offering resort-style living just minutes from the executive airport, award-winning, white-sand beaches, renowned golf courses, fine dining, casual waterfront restaurants, boutique shopping, grocery stores, parks, art galleries, marinas and yacht clubs, and all the popular cultural and recreational offerings of Naples and Marco Island.

16. 2025-10-31
    price $595,000 2291-char remark

    Show marketing remark (2291 chars)

    Experience the ease of luxury living in this beautifully furnished first-floor coach home, nestled within the sought-after Rialto enclave of the prestigious gated Hammock Bay Golf & Country Club. Combining the spacious feel of a single-family home with the low-maintenance convenience of condominium ownership, this residence features three bedrooms, two baths, and a two-car garage—perfect for seasonal or year-round living. Enjoy desirable western exposure from your expansive screened lanai with no-see-um screening, offering peaceful golf course views and a seamless extension of your indoor living space. Impact-resistant doors and windows provide enhanced security and year-round peace of mind. Inside, you'll find abundant natural light and brand-NEW tile flooring throughout the main living areas, elevating the home's elegance and style. The open-concept kitchen is appointed with white cabinetry, under-cabinet lighting, recessed ceiling lights, a pantry, and a full suite of appliances including a refrigerator with icemaker, range, microwave, and NEW dishwasher (2022). A charming breakfast nook framed by a large window provides lanai access, while the formal dining room features custom wall mirrors that visually expand the space. The light-filled living room flows effortlessly to the outdoor lanai through glass sliders-ideal for both relaxed lounging and entertaining guests. The spacious primary suite offers direct lanai access, a generous walk-in closet, and an en-suite bath with dual vanities, full-width mirrors, walk-in shower with bench, and a linen closet. Two guest bedrooms enjoy their own private wing and share a well-appointed bathroom with a shower/tub combination. A functional laundry room includes a washer and dryer, utility sink, and overhead storage cabinets. A NEW hot water heater (2023) adds further value and peace of mind. This exceptional residence is located within a highly-sought-after community offering resort-style living just minutes from the executive airport, award-winning, white-sand beaches, renowned golf courses, fine dining, casual waterfront restaurants, boutique shopping, grocery stores, parks, art galleries, marinas and yacht clubs, and all the popular cultural and recreational offerings of Naples and Marco Island.

17. 2025-06-10
    listed $625,000 Active

    Show marketing remark (2291 chars)

    Experience the ease of luxury living in this beautifully furnished first-floor coach home, nestled within the sought-after Rialto enclave of the prestigious gated Hammock Bay Golf & Country Club. Combining the spacious feel of a single-family home with the low-maintenance convenience of condominium ownership, this residence features three bedrooms, two baths, and a two-car garage—perfect for seasonal or year-round living. Enjoy desirable western exposure from your expansive screened lanai with no-see-um screening, offering peaceful golf course views and a seamless extension of your indoor living space. Impact-resistant doors and windows provide enhanced security and year-round peace of mind. Inside, you'll find abundant natural light and brand-NEW tile flooring throughout the main living areas, elevating the home's elegance and style. The open-concept kitchen is appointed with white cabinetry, under-cabinet lighting, recessed ceiling lights, a pantry, and a full suite of appliances including a refrigerator with icemaker, range, microwave, and NEW dishwasher (2022). A charming breakfast nook framed by a large window provides lanai access, while the formal dining room features custom wall mirrors that visually expand the space. The light-filled living room flows effortlessly to the outdoor lanai through glass sliders-ideal for both relaxed lounging and entertaining guests. The spacious primary suite offers direct lanai access, a generous walk-in closet, and an en-suite bath with dual vanities, full-width mirrors, walk-in shower with bench, and a linen closet. Two guest bedrooms enjoy their own private wing and share a well-appointed bathroom with a shower/tub combination. A functional laundry room includes a washer and dryer, utility sink, and overhead storage cabinets. A NEW hot water heater (2023) adds further value and peace of mind. This exceptional residence is located within a highly-sought-after community offering resort-style living just minutes from the executive airport, award-winning, white-sand beaches, renowned golf courses, fine dining, casual waterfront restaurants, boutique shopping, grocery stores, parks, art galleries, marinas and yacht clubs, and all the popular cultural and recreational offerings of Naples and Marco Island.

18. 2025-06-10
    listed $625,000 Active 2291-char remark

    Show marketing remark (2291 chars)

    Experience the ease of luxury living in this beautifully furnished first-floor coach home, nestled within the sought-after Rialto enclave of the prestigious gated Hammock Bay Golf & Country Club. Combining the spacious feel of a single-family home with the low-maintenance convenience of condominium ownership, this residence features three bedrooms, two baths, and a two-car garage—perfect for seasonal or year-round living. Enjoy desirable western exposure from your expansive screened lanai with no-see-um screening, offering peaceful golf course views and a seamless extension of your indoor living space. Impact-resistant doors and windows provide enhanced security and year-round peace of mind. Inside, you'll find abundant natural light and brand-NEW tile flooring throughout the main living areas, elevating the home's elegance and style. The open-concept kitchen is appointed with white cabinetry, under-cabinet lighting, recessed ceiling lights, a pantry, and a full suite of appliances including a refrigerator with icemaker, range, microwave, and NEW dishwasher (2022). A charming breakfast nook framed by a large window provides lanai access, while the formal dining room features custom wall mirrors that visually expand the space. The light-filled living room flows effortlessly to the outdoor lanai through glass sliders-ideal for both relaxed lounging and entertaining guests. The spacious primary suite offers direct lanai access, a generous walk-in closet, and an en-suite bath with dual vanities, full-width mirrors, walk-in shower with bench, and a linen closet. Two guest bedrooms enjoy their own private wing and share a well-appointed bathroom with a shower/tub combination. A functional laundry room includes a washer and dryer, utility sink, and overhead storage cabinets. A NEW hot water heater (2023) adds further value and peace of mind. This exceptional residence is located within a highly-sought-after community offering resort-style living just minutes from the executive airport, award-winning, white-sand beaches, renowned golf courses, fine dining, casual waterfront restaurants, boutique shopping, grocery stores, parks, art galleries, marinas and yacht clubs, and all the popular cultural and recreational offerings of Naples and Marco Island.

19. 2021-01-21
    soldstatus $352,000
20. 2021-01-19
    soldstatus $352,000
21. 2021-01-19
    soldstatus $352,000
22. 2021-01-19
    soldstatus $352,000 Sold
23. 2020-12-02
    status Pending With Contingencies
24. 2020-11-26
    listed $354,900
25. 2020-11-26
    listed $354,900 Active
26. 2020-11-25
    listed $354,900
27. 2005-02-03
    soldstatus $449,800
28. 2005-01-31
    soldstatus $449,800
29. 2004-11-03
    listed $449,800

ⓘ 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: $5,223 · $435/mo
• Projected year-2 tax: $5,223 · $435/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 8/10 Severe FEMA zone AE · 97% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 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

Taxation est. · year 1

• Rental income: $62,963
• − Mortgage interest: −$30,753
• − Property taxes: −$5,223
• − Insurance: −$7,864
• − Repairs & maintenance: −$5,037
• − Management: −$5,037
• − HOA: −$9,384
• − Depreciation: −$15,971
• Taxable loss: −$16,305
• Est. tax savings @ 24.0%: +$3,913
• After-tax cash flow: $-3,364/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 — Marco Shores-Hammock Bay

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Marco Shores-Hammock Bay, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 23,559
• Household income: $89,334
• Rent vs Own: 15.3% rent · 84.7% own
• Severe rent burden: 550.0

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 (72%)
• Race & ethnicity: White 72% Hispanic / Latino 17% Two or more races 13% Black 7%
• Hispanic origin (detail): Mexican 7% Puerto Rican 1% Cuban 3%
• Common ancestry: Hispanic 5% Romanian 4% Lithuanian 1%
• Foreign-born: 21% · Canada, Jamaica
• Languages at home: 75% English-only · Spanish 15% French/Haitian/Cajun 5% Other Indo-European 4%

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: ▼ -1.48%
• Current HPI: 266.5545
• Rent YoY: ▲ 3.21%
• 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
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+22.1% since first listed

17 events — show timeline

• 2026-02-17 Price Changed $549,000 NAPLESMLS
• 2026-02-17 Price Changed $549,000 MIML
• 2025-10-31 Price Changed $595,000 NAPLESMLS
• 2025-10-31 Price Changed $595,000 MIML
• 2025-06-10 Listed $625,000 MIML
• 2025-06-10 Listed $625,000 NAPLESMLS
• 2021-01-21 Sold (Public Records) $352,000 Public Records
• 2021-01-19 Sold (MLS) $352,000 NAPLESMLS
• 2021-01-19 Sold (MLS) $352,000 MIML
• 2021-01-19 Sold (MLS) $352,000 MIML
• 2020-12-02 Pending — NAPLESMLS
• 2020-11-26 Listed $354,900 NAPLESMLS
• 2020-11-26 Listed $354,900 MIML
• 2020-11-25 Listed $354,900 MIML
• 2005-02-03 Sold (Public Records) $449,800 Public Records
• 2005-01-31 Sold (MLS) $449,800 MIML
• 2004-11-03 Listed $449,800 MIML

Property tax history

+9.2%/yr

Latest (2025): $5,223 · +9.3% YoY. Source: county tax records.