2100 Kings Hwy #430 · Port Charlotte, FL 33980

$84,500

2 bd · 2.0 ba · 864 sqft · Manufactured public records · 115 Days on market

Built 1979 3,749 sqft lot Est $105k · 20% under $408/mo HOA · 22% of rent

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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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +1.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Calling all Investor & Handyman & home owners this home is a fixer up to be restored to it's natural beauty - sold as is as seen. The Maple Leaf community in Port Charlotte, Florida, is a resident-owned 55+ community known for its active resort-style living. Located at 2100 Kings Hwy, Port Charlotte, FL 33980, it offers a variety of amenities and activities for its residents. Amenities Golf: An 18-hole, par 62 golf course is available for residents to enjoy. Athletic Clubs: Five tennis courts, bocce ball, lawn bowling, two shuffleboard courts, a fitness facility, and two pickleball courts are among the community's offerings . Swimming & Relaxation: Residents have access to four heated swimming pools and two hot tubs. A woodworker's shop and a pottery studio provide opportunities for artistic expression. Dining & Socializing: A restaurant and full-service bar are available for social gatherings, along with a tiki bar. The Country Club and Sandbar restaurants both formal and casual dining with inside and lakeside seating. Clubs & Activities: Over 75 clubs and activities cater to diverse interests, including athletics, arts and crafts, and games. Resident Owned: Maple Leaf is a resident-owned community, and the price of a home includes a certificate share, providing ownership in the community. Home Features: Homes include an enclosed lanai, a dining room with built-in features, a living room, ample storage, and a walk-in primary bedroom en suite bath. The homes boast an open floor plan and are described as light and airy. The community is appealing to both year-round and seasonal residents, as well as handymen and investors. Additional details Located on the Gulf Coast in Port Charlotte, it offers easy access to nearby beaches, marinas, wildlife sanctuaries, and nature preserves. Maple Leaf has been voted "Best of the Best" in Charlotte County, Florida, year after year, and in 2016, it was voted the "Best Manufactured Home Community" in Charlotte County for the 20th year. Maple Leaf Golf & Country Club aims to provide an active lifestyle in a serene Florida setting, with a strong sense of community.

Key facts

• Spacious shed
• Screened in carport
• 3,749 sq ft lot

Tags

• HEATED SWIMMING POOLS
• UPGRADED APPLIANCE PACKAGE
• SPACIOUS SHED
• SCREENED IN CARPORT
• CONVERTED FRONT LANAI
• GATED GOLF COURSE COMMUNITY

Property features AI

Finance

• Other: Partially furnished; Community features include street lights, community mailbox, deed restrictions, and irrigation with reclaimed water; Directions: 24-hour gated community, photo ID and appointment required to enter
• Financial info: Total monthly fees: $408 (includes HOA and other fees); Total annual fees: $4,896; Lease restrictions apply
• HOA & community: Monthly association fee of $377; Association requires approval; Association amenities include clubhouse, fitness center, pool, spa/hot tub, sauna, tennis courts, pickleball and shuffleboard courts, golf course access, gated community, recreational facilities, laundry, and maintenance of private road; Buyer approval required; Senior community; Pets allowed (cats OK, limits apply)

Exterior

• Parking: Covered driveway; 1-car carport
• Security: Located in a gated community
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Cable available; Fiber optics available; Phone available; Underground utilities; Sprinkler recycled
• Home design: Manufactured home (double wide); One story; Faces west; Entry level: 1
• Construction: Vinyl siding; Roof over; Crawlspace foundation; Built as a completed property
• Exterior features: Enclosed patio/porch; Front porch; Screened porch; Side porch; Storage shed; In-ground heated pool and spa

Interior

• Kitchen: Range hood; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Thermostat; Enclosed Florida room
• Laundry & utility: Washer; Dryer; Electric water heater; Laundry located outside

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $84k.

Deal economics

• At list price, monthly cash flow is $410 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $84k).
• Recommended offer: $77k (9.0% below list) — sets the bar for market timing.
• Cap rate 12.1% vs local median 4.4% in Port Charlotte — 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 65/100 on livability (#655 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, 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: Kingsway Elementary School (math 55% / reading 53%, grade C, #936 of 2,144 statewide, top 44%, 596 students, 58% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL) — zoned schools at 49% FRL track the district average.
• Market conditions: Rents falling (-4.0%/yr); 600 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $584 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $24k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 115 days — a 9% lower offer ($77k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $14k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $42k; list at $84k implies a 99% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.8% of price; HOA is 22% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $76,895 (9.0% below list)

Questions for the listing agent

1. It's been on market 115 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
8. 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.
9. 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.
10. 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: 2.24% ✓
• Cap rate: 12.12%
• Cash-on-cash: 20.82%
• DSCR: 1.93
• GRM: 3.7

CMA / ARV

• ARV (on-the-fly): $105,408
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2100 Kings Hwy #591	0.00mi	2/2.0	864 (0%)	2mo	$105,000	$122	99
2100 Kings Hwy #58	0.00mi	2/2.0	912 (+6%)	3mo	$125,000	$137	88
2100 Kings Hwy #288	0.52mi	2/2.0	864 (0%)	4mo	$77,500	$90	72
2100 Kings Hwy #545	0.52mi	2/2.0	864 (0%)	6mo	$51,000	$59	71

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: 8.2%
• Equity multiple: 1.31×
• Total profit: $7,242
• Equity at exit: $12,599

10-year hold

• IRR: 13.2%
• Equity multiple: 1.84×
• Total profit: $19,917
• Equity at exit: $7,306

Cash invested: $23,660 (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 33980

• Home prices YoY: -5.0%
• Rents YoY: -4.0%
• Active inventory: 600
• Price-to-rent: 3.7×

Monthly cashflow live

• Estimated rent: $1,890 high
• Mortgage (P&I): −$443
• Tax from tax record: −$197 /mo · $2,359/yr
• Insurance: −$35
• HOA: −$408
• Vacancy / Maint / Mgmt: −$397
• Net cashflow: $410

Break-even live

Break-even rent $1,371

Max offer price $84,500

Occupancy floor 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: $21,125
• Closing costs: $2,535
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1999 Kings Hwy Port Charlotte, FL	2.0	1.0–2.0	906	$1,800	$1.99	21d	2	0.24mi
1200 Loveland Blvd Punta Gorda, FL	1.0–3.0	1.0–2.0	1151	$2,030	$1.76	13d	276	0.60mi
1499 Capricorn Blvd Port Charlotte, FL	2.0	2.0	980	$1,495	$1.53	21d	1	1.09mi
24151 Beatrix Blvd Port Charlotte, FL	3.0	1.0–2.0	990	$1,955	$1.97	13d	28	1.15mi
25225 Rampart Blvd Punta Gorda, FL	2.0	2.0	886	$1,925	$2.17	21d	5	1.28mi
1636 Hayworth Rd Port Charlotte, FL	2.0	2.0	884	$1,300	$1.47	21d	1	1.47mi

HOA detail

• Monthly dues: $408 · $4,896/yr
• Likely covers: pool

Listing history 8 events

1. 2026-05-16
   status Pending
2. 2026-04-27
   status Active
3. 2026-04-27
   price $84,500
4. 2026-01-08
   listed $98,500 Active
5. 2025-09-12
   soldstatus $42,500 Closed 2194-char remark

   Show marketing remark (2194 chars)

   Calling all Investor & Handyman & home owners this home is a fixer up to be restored to it's natural beauty - sold as is as seen. The Maple Leaf community in Port Charlotte, Florida, is a resident-owned 55+ community known for its active resort-style living. Located at 2100 Kings Hwy, Port Charlotte, FL 33980, it offers a variety of amenities and activities for its residents. Amenities Golf: An 18-hole, par 62 golf course is available for residents to enjoy. Athletic Clubs: Five tennis courts, bocce ball, lawn bowling, two shuffleboard courts, a fitness facility, and two pickleball courts are among the community's offerings . Swimming & Relaxation: Residents have access to four heated swimming pools and two hot tubs. A woodworker's shop and a pottery studio provide opportunities for artistic expression. Dining & Socializing: A restaurant and full-service bar are available for social gatherings, along with a tiki bar. The Country Club and Sandbar restaurants both formal and casual dining with inside and lakeside seating. Clubs & Activities: Over 75 clubs and activities cater to diverse interests, including athletics, arts and crafts, and games. Resident Owned: Maple Leaf is a resident-owned community, and the price of a home includes a certificate share, providing ownership in the community. Home Features: Homes include an enclosed lanai, a dining room with built-in features, a living room, ample storage, and a walk-in primary bedroom en suite bath. The homes boast an open floor plan and are described as light and airy. The community is appealing to both year-round and seasonal residents, as well as handymen and investors. Additional details Located on the Gulf Coast in Port Charlotte, it offers easy access to nearby beaches, marinas, wildlife sanctuaries, and nature preserves. Maple Leaf has been voted "Best of the Best" in Charlotte County, Florida, year after year, and in 2016, it was voted the "Best Manufactured Home Community" in Charlotte County for the 20th year. Maple Leaf Golf & Country Club aims to provide an active lifestyle in a serene Florida setting, with a strong sense of community.

6. 2025-08-17
   status Pending 2194-char remark

   Show marketing remark (2194 chars)

   Calling all Investor & Handyman & home owners this home is a fixer up to be restored to it's natural beauty - sold as is as seen. The Maple Leaf community in Port Charlotte, Florida, is a resident-owned 55+ community known for its active resort-style living. Located at 2100 Kings Hwy, Port Charlotte, FL 33980, it offers a variety of amenities and activities for its residents. Amenities Golf: An 18-hole, par 62 golf course is available for residents to enjoy. Athletic Clubs: Five tennis courts, bocce ball, lawn bowling, two shuffleboard courts, a fitness facility, and two pickleball courts are among the community's offerings . Swimming & Relaxation: Residents have access to four heated swimming pools and two hot tubs. A woodworker's shop and a pottery studio provide opportunities for artistic expression. Dining & Socializing: A restaurant and full-service bar are available for social gatherings, along with a tiki bar. The Country Club and Sandbar restaurants both formal and casual dining with inside and lakeside seating. Clubs & Activities: Over 75 clubs and activities cater to diverse interests, including athletics, arts and crafts, and games. Resident Owned: Maple Leaf is a resident-owned community, and the price of a home includes a certificate share, providing ownership in the community. Home Features: Homes include an enclosed lanai, a dining room with built-in features, a living room, ample storage, and a walk-in primary bedroom en suite bath. The homes boast an open floor plan and are described as light and airy. The community is appealing to both year-round and seasonal residents, as well as handymen and investors. Additional details Located on the Gulf Coast in Port Charlotte, it offers easy access to nearby beaches, marinas, wildlife sanctuaries, and nature preserves. Maple Leaf has been voted "Best of the Best" in Charlotte County, Florida, year after year, and in 2016, it was voted the "Best Manufactured Home Community" in Charlotte County for the 20th year. Maple Leaf Golf & Country Club aims to provide an active lifestyle in a serene Florida setting, with a strong sense of community.

7. 2025-08-12
   listed $60,000 Active 2194-char remark

   Show marketing remark (2194 chars)

   Calling all Investor & Handyman & home owners this home is a fixer up to be restored to it's natural beauty - sold as is as seen. The Maple Leaf community in Port Charlotte, Florida, is a resident-owned 55+ community known for its active resort-style living. Located at 2100 Kings Hwy, Port Charlotte, FL 33980, it offers a variety of amenities and activities for its residents. Amenities Golf: An 18-hole, par 62 golf course is available for residents to enjoy. Athletic Clubs: Five tennis courts, bocce ball, lawn bowling, two shuffleboard courts, a fitness facility, and two pickleball courts are among the community's offerings . Swimming & Relaxation: Residents have access to four heated swimming pools and two hot tubs. A woodworker's shop and a pottery studio provide opportunities for artistic expression. Dining & Socializing: A restaurant and full-service bar are available for social gatherings, along with a tiki bar. The Country Club and Sandbar restaurants both formal and casual dining with inside and lakeside seating. Clubs & Activities: Over 75 clubs and activities cater to diverse interests, including athletics, arts and crafts, and games. Resident Owned: Maple Leaf is a resident-owned community, and the price of a home includes a certificate share, providing ownership in the community. Home Features: Homes include an enclosed lanai, a dining room with built-in features, a living room, ample storage, and a walk-in primary bedroom en suite bath. The homes boast an open floor plan and are described as light and airy. The community is appealing to both year-round and seasonal residents, as well as handymen and investors. Additional details Located on the Gulf Coast in Port Charlotte, it offers easy access to nearby beaches, marinas, wildlife sanctuaries, and nature preserves. Maple Leaf has been voted "Best of the Best" in Charlotte County, Florida, year after year, and in 2016, it was voted the "Best Manufactured Home Community" in Charlotte County for the 20th year. Maple Leaf Golf & Country Club aims to provide an active lifestyle in a serene Florida setting, with a strong sense of community.

8. 2007-04-30
   soldstatus $71,000

ⓘ 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: $2,359 · $197/mo
• Projected year-2 tax: $2,359 · $197/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 X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 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: $22,684
• − Mortgage interest: −$4,733
• − Property taxes: −$2,359
• − Insurance: −$422
• − Repairs & maintenance: −$1,815
• − Management: −$1,815
• − HOA: −$4,896
• − Depreciation: −$2,458
• Taxable income: $4,185
• Est. tax owed @ 24.0%: −$1,004
• After-tax cash flow: $3,920/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 — Port Charlotte

• Score: 65/100
• State rank: #655
• US rank: #13081

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Charlotte County · 196,994 people
• City population: 102,180
• Metro: Punta Gorda, FL
• Population (ZIP): 13,120
• Household income: $63,591
• Rent vs Own: 24.3% rent · 75.7% own
• Severe rent burden: 612.0

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 (75%)
• Race & ethnicity: White 75% Hispanic / Latino 10% Two or more races 10% Black 9%
• Hispanic origin (detail): Puerto Rican 3% Cuban 2% Dominican 2%
• Common ancestry: Romanian 5% Hispanic 4% Slovak 3%
• Foreign-born: 16% · Canada, Jamaica
• Languages at home: 85% English-only · Spanish 8% French/Haitian/Cajun 5% 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: ▼ -16.02%
• Current HPI: 306.3331
• Rent YoY: ▼ -4.04%
• 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

+19.0% since first listed

8 events — show timeline

• 2026-05-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $84,500 Stellar MLS as Distributed by MLS Grid
• 2026-01-08 Listed $98,500 Stellar MLS as Distributed by MLS Grid
• 2025-09-12 Sold (MLS) $42,500 Stellar MLS as Distributed by MLS Grid
• 2025-08-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-08-12 Listed $60,000 Stellar MLS as Distributed by MLS Grid
• 2007-04-30 Sold (Public Records) $71,000 Public Records

Property tax history

+4.1%/yr

Latest (2025): $2,359 · +2.3% YoY. Source: county tax records.