592 Beachwalk Cir Unit N102 · Naples, FL
Flood risk 8/10 · Major
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.96%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 6 days/yr
- Hot days in 30 yrs
- 25 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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).
- ARV discount +15.0/15.0
- Cash flow +14.5/30.0
- 1% rule +7.0/10.0
- Schools +6.6/10.0
- Rent growth +4.7/5.0
- DSCR +4.4/10.0
- Livability +4.0/5.0
- Condition / age +3.8/5.0
- Appreciation +0.0/10.0
$524,900
592 Beachwalk Cir Unit N102 · Naples, FL 34108
3 bd · 2.0 ba · 1,450 sqft · Condo
· 218 Days on market
Built 1987
$362/sqft
· 26% below area
Est $713k · 26% under
$1214/mo HOA · 19% of rent
↓ 3% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
North Naples beach living and investment potential come together in this 3-bedroom, 2-bath condo in Beachwalk, a gated community less than a half mile from Vanderbilt Beach in Naples, Florida. A resident gate near the building connects directly to the sidewalk along Vanderbilt Beach Road, so you can walk or bike to the Gulf of Mexico in minutes instead of dealing with beach parking and traffic. Morning walks, midday breaks at the shoreline, and sunset visits can be part of your daily routine. The 3/2 layout supports a range of uses: full-time residence, seasonal home, or income-producing property.
Key facts
- Gated community
- 24 hour manned gate
- Close to mercato
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath condo listed at $525k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $53 ($641/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($6k rent vs $525k).
- Recommended offer: $462k (12.0% below list) — sets the bar for market timing.
- Cap rate 6.6% vs local median 2.4% in Naples — 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 80/100 on livability (#126 in FL, #1,903 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, employment A+; Watch: commute D+, cost of living F.
- 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.
- Zoned schools: Naples Park Elementary School (math 67% / reading 57%, grade B, #608 of 2,144 statewide, top 29%, 395 students, 48% FRL); Pine Ridge Middle School (math 74% / reading 70%, grade A, #52 of 571 statewide, top 10%, 832 students, 31% FRL); Barron Collier High School (math 62% / reading 68%, grade B, #76 of 667 statewide, top 11%, 1,650 students, 26% FRL) — zoned schools average 35% FRL vs 55% district-wide (20 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents rising fast (+8.7%/yr); 704 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
- At $6,280/mo this rent would consume 63% of the median local household income ($119k/yr) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $4k of loan paydown is wiped out by about $16k 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.
- At projected returns (-3.0% appreciation + 8.0% rent growth), your $147k cash investment doubles in ~10 years — after that, you're playing with house money.
Negotiation context
- It's been on market 218 days — a 12% lower offer ($462k) is reasonable based on typical stale-listing flexibility.
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 6→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$461,912
(12.0% below list)
Questions for the listing agent
- It's been on market 218 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are B-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?
- 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.
- 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.
- 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
- 1.20% ✓
- Cap rate
- 6.57%
- Cash-on-cash
- 0.98%
- DSCR
- 1.04
- GRM
- 7.0
CMA / ARV
- ARV (median comp)
- $712,884
- List price
- $524,900
- Delta
- -26.37%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 781 107th Ave | 1.25mi | 3/2.0 | 1,473 (+2%) | 1mo | $342,800 | $233 | 61 |
| 7049 Barrington Cir #101 | 1.17mi | 3/2.0 | 1,527 (+5%) | 1mo | $636,500 | $417 | 55 |
| 750 Bentwater Cir #203 | 0.42mi | 3/2.0 | 1,703 (+17%) | 0mo | $925,000 | $543 | 55 |
| 793 91st Ave N | 0.67mi | 3/2.0 | 1,332 (-8%) | 0mo | $605,000 | $454 | 55 |
| 7100 Barrington Cir #101 | 1.09mi | 3/2.5 | 1,521 (+5%) | 0mo | $780,000 | $513 | 54 |
| 910 Vanderbilt Beach Rd #315 | 1.11mi | 2/2.0 (-1) | 1,386 (-4%) | 0mo | $307,000 | $222 | 53 |
| 640 110th Ave N | 1.27mi | 3/2.0 | 1,313 (-9%) | 1mo | $620,000 | $472 | 48 |
| 819 98th Ave N | 0.91mi | 3/2.0 | 1,287 (-11%) | 0mo | $500,000 | $389 | 46 |
| 526 100th Ave N | 0.62mi | 2/2.0 (-1) | 1,714 (+18%) | 1mo | $680,000 | $397 | 41 |
| 750 95th Ave N | 0.64mi | 2/2.0 (-1) | 1,102 (-24%) | 0mo | $760,000 | $690 | 40 |
| 540 102nd Ave N | 0.74mi | 3/2.0 | 1,804 (+24%) | 0mo | $765,000 | $424 | 40 |
| 699 99th Ave N | 0.72mi | 3/3.0 | 1,703 (+17%) | 1mo | $1,000,000 | $587 | 36 |
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
- -8.3%
- Equity multiple
- 0.68×
- Total profit
- $-47,584
- Equity at exit
- $78,264
10-year hold
- IRR
- 8.1%
- Equity multiple
- 1.80×
- Total profit
- $117,585
- Equity at exit
- $45,384
Cash invested: $146,972 (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.
Buyer's market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 23 active · 9 under contract
- Months of supply
- 138.0 mo (1%/mo absorbed)
- Median asking
- $714,900 ($481/sqft)
- Median days on market
- 144 d
- This list price
- 4% of active listings are priced below it
- ARV vs active asking
- +2.3% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34108
- Rents YoY
- 8.7%
- Active inventory
- 704
- Price-to-rent
- 7.0×
Monthly cashflow live
↻
- Estimated rent
- $6,280 medium interval (Pro) →
- Mortgage (P&I)
- −$2,753
- Tax est. 1.5%
- −$656 /mo · $7,874/yr
- Insurance
- −$219
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$1,214
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$1,319
- Net cashflow
- $53
Break-even live
Break-even rent
$6,213
Max offer price
$524,900
Occupancy floor
94%
Sensitivity live
| Price | -10% $416 | -5% $235 | +0% $53 | +5% $-128 | +10% $-309 |
|---|---|---|---|---|---|
| Rent | -10% $-443 | -5% $-195 | +0% $53 | +5% $301 | +10% $550 |
| Rate | -1.0pp $318 | -0.5pp $187 | base $53 | +0.5pp $-83 | +1.0pp $-221 |
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
- $131,225
- Closing costs
- $15,747
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 592 Beachwalk Cir Unit N202 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.02mi |
| 589 Beachwalk Cir Unit P-203 Naples, FL | 2.0 | 2.0 | 1350 | $8,000 | $5.93 | 63d | 1 | 0.07mi |
| 586 Beachwalk Cir Unit O-205 Naples, FL | 2.0 | 2.0 | 1350 | $7,800 | $5.78 | 63d | 1 | 0.07mi |
| 586 Beachwalk Cir Unit O-305 Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 63d | 1 | 0.07mi |
| 586 Beachwalk Cir Unit O205 Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 72d | 1 | 0.07mi |
| 607 Beachwalk Cir Unit K-204 Naples, FL | 3.0 | 2.0 | 1450 | $8,000 | $5.52 | 63d | 1 | 0.08mi |
| 577 Beachwalk Cir Unit R202 Naples, FL | 2.0 | 2.0 | 1350 | $5,000 | $3.70 | 63d | 1 | 0.10mi |
| 460 Launch Cir #301 Naples, FL | 3.0 | 2.0 | 1630 | $3,000 | $1.84 | 72d | 1 | 0.11mi |
| 613 Beachwalk Cir Unit J-204 Naples, FL | 3.0 | 2.0 | 1450 | $8,500 | $5.86 | 63d | 1 | 0.11mi |
| 613 Beachwalk Cir Unit J Naples, FL | 2.0 | 2.0 | 1350 | $7,500 | $5.56 | 63d | 1 | 0.12mi |
| 470 Launch Cir Unit V301 Naples, FL | 3.0 | 2.0 | 1475 | $3,500 | $2.37 | 63d | 1 | 0.12mi |
| 470 Launch Cir Unit V-405 Naples, FL | 3.0 | 2.0 | 1639 | $14,000 | $8.54 | 63d | 1 | 0.12mi |
| 470 Launch Cir Unit V-604 Naples, FL | 3.0 | 2.0 | 1475 | $3,000 | $2.03 | 63d | 1 | 0.12mi |
| 470 Launch Cir Naples, FL | 3.0 | 2.0 | 1555 | $3,950 | $2.54 | 72d | 2 | 0.12mi |
| 551 91st Ave N Unit 1504170P Naples, FL | 4.0 | 2.0 | 1679 | $8,133 | $4.84 | 72d | 1 | 0.13mi |
| 450 Launch Cir #602 Naples, FL | 3.0 | 2.0 | 1480 | $14,000 | $9.46 | 72d | 1 | 0.13mi |
| 450 Launch Cir #404 Naples, FL | 3.0 | 2.0 | 1635 | $3,000 | $1.83 | 72d | 1 | 0.13mi |
| 9101 Vanderbilt Dr #203 Naples, FL | 2.0 | 2.0 | 1154 | $10,500 | $9.10 | 63d | 1 | 0.14mi |
| 9101 Vanderbilt Dr #304 Naples, FL | 2.0 | 2.0 | 1335 | $11,000 | $8.24 | 63d | 1 | 0.14mi |
| 565 Beachwalk Cir Unit T-102 Naples, FL | 2.0 | 2.0 | 1350 | $7,300 | $5.41 | 63d | 1 | 0.14mi |
| 565 Beachwalk Cir Unit T104 Naples, FL | 3.0 | 2.0 | 1450 | $6,750 | $4.66 | 63d | 1 | 0.14mi |
| 410 Flagship Dr #505 Naples, FL | 3.0 | 3.0 | 1860 | $4,000 | $2.15 | 72d | 1 | 0.17mi |
| 410 Flagship Dr #302 Naples, FL | 3.0 | 3.0 | 1839 | $14,500 | $7.88 | 72d | 1 | 0.17mi |
| 410 Flagship Dr #1105 Naples, FL | 3.0 | 3.0 | 1860 | $15,000 | $8.06 | 72d | 1 | 0.17mi |
| 410 Flagship Dr #605 Naples, FL | 3.0 | 3.0 | 1860 | $16,000 | $8.60 | 72d | 1 | 0.17mi |
| 559 Beachwalk Cir Apt 203U Naples, FL | 2.0 | 2.0 | 1350 | $7,000 | $5.19 | 63d | 1 | 0.18mi |
| 559 Beachwalk Cir Unit U204 Naples, FL | 3.0 | 2.0 | 1472 | $7,500 | $5.10 | 63d | 1 | 0.18mi |
| 631 Beachwalk Cir Unit F204 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.18mi |
| 549 Beachwalk Cir Naples, FL | 2.0 | 2.0 | 1359 | $7,500 | $5.52 | 72d | 1 | 0.20mi |
| 400 Flagship Dr #505 Naples, FL | 3.0 | 3.0 | 1760 | $11,500 | $6.53 | 72d | 1 | 0.21mi |
| 400 Flagship Dr #905 Naples, FL | 3.0 | 3.0 | 1750 | $14,000 | $8.00 | 72d | 1 | 0.21mi |
| 400 Flagship Dr #1008 Naples, FL | 3.0 | 2.0 | 1734 | $10,000 | $5.77 | 72d | 1 | 0.21mi |
| 400 Flagship Dr #604 Naples, FL | 3.0 | 3.0 | 1760 | $13,500 | $7.67 | 72d | 1 | 0.21mi |
| 400 Flagship Dr #401 Naples, FL | 3.0 | 2.0 | 1734 | $13,500 | $7.79 | 63d | 1 | 0.21mi |
| 400 Flagship Dr #501 Naples, FL | 3.0 | 2.0 | 1734 | $14,000 | $8.07 | 72d | 1 | 0.21mi |
| 400 Flagship Dr #1206 Naples, FL | 3.0 | 3.0 | 1760 | $8,500 | $4.83 | 72d | 1 | 0.21mi |
| 400 Flagship Dr #306 Naples, FL | 3.0 | 3.0 | 1750 | $12,000 | $6.86 | 70d | 1 | 0.21mi |
| 522 Beachwalk Cir Naples, FL | 2.0 | 2.0 | 1359 | $6,000 | $4.42 | 72d | 1 | 0.23mi |
| 643 Beachwalk Cir Unit D-202 Naples, FL | 2.0 | 2.0 | 1350 | $5,950 | $4.41 | 63d | 1 | 0.24mi |
| 649 Beachwalk Cir Unit C101 Naples, FL | 3.0 | 2.0 | 1450 | $7,500 | $5.17 | 63d | 1 | 0.28mi |
Property features AI
Finance
- Other
- Property is one unit in the complex (356 units in complex; 8 units in building)Unit is on a single floor within the building
- Financial info
- Total annual recurring HOA fees providedOne-time HOA fees applicable
- HOA & community
- Mandatory HOAQuarterly condo feeQuarterly condo fee listed (fee details provided by listing)Professional managementHOA maintenance covers cable, insurance, internet/WiFi, irrigation water, lawn/land maintenance, legal/accounting, manager, master association fee, pest control (exterior and interior), recreation facilities, reserves, security, street lights, street maintenance, and waterCommunity amenities include clubhouse, community pool, spa/hot tub, exercise room, library, bocce court, tennis court, community room, and streetlightsCommunity type: gated with tennis
Exterior
- Parking
- Covered assigned parkingGuest parkingPaved parkingDetached 1-car carport
- Security
- Gated community with guard at gateCommunity security included in HOA maintenance
- Utilities
- Central waterCentral sewerCable available
- Home design
- Residential property in a gated community (Beachwalk Gardens)Low rise building (1-3), 2-story buildingRear exposure facing southwestUnit: 102
- Construction
- Concrete block constructionStucco exterior finishTile roofImpact resistant windowsBuilt in 1987Foundation information not specified
- Exterior features
- CourtyardPatioAutomatic sprinkler systemStorageLandscaped area viewZero lot linePaved road access
Interior
- Kitchen
- DishwasherDisposalMicrowaveRangeRefrigerator/FreezerBuilt-in deskPantryBreakfast bar
- Bedrooms
- 3 bedrooms (split bedroom floor plan)
- Flooring
- CarpetTile
- Bathrooms
- 2 full bathroomsMaster bath with dual sinks and shower (no tub)
- Heating & cooling
- Central electric heatCentral electric coolingCeiling fans
- Interior features
- Cable prewireFoyerHigh-speed internet availableSmoke detectorsVaulted ceilingWalk-in closetWindow coveringsBuilt-in desk in kitchenPantryBreakfast bar / dining in living areaGuest bath and guest roomScreened lanai/porchLaundry in residenceFive ceiling fansFurnished negotiable
- Laundry & utility
- WasherDryerLaundry area inside residence
HOA detail $1,214/mo · $14,568/yr condo
- Likely covers
- security
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-08-08days on market $524,900 Active 218 DOM
-
2026-08-07days on market $524,900 Active 217 DOM
-
2026-08-06days on market $524,900 Active 216 DOM
-
2026-08-05days on market $524,900 Active 215 DOM
-
2026-08-04days on market $524,900 Active 214 DOM
-
2026-08-03days on market $524,900 Active 213 DOM
-
2026-07-31days on market $524,900 Active 210 DOM
-
2026-07-30days on market $524,900 Active 209 DOM
-
2026-07-29days on market $524,900 Active 208 DOM
-
2026-07-27days on market $524,900 Active 206 DOM
-
2026-07-25days on market $524,900 Active 204 DOM
-
2026-07-24days on market $524,900 Active 203 DOM
-
2026-07-23days on market $524,900 Active 202 DOM
-
2026-07-22days on market $524,900 Active 201 DOM
-
2026-07-22days on market $524,900 Active 200 DOM
-
2026-07-18days on market $524,900 Active 197 DOM
-
2026-07-16days on market $524,900 Active 195 DOM
-
2026-07-16days on market $524,900 Active 194 DOM
-
2026-07-14days on market $524,900 Active 193 DOM
-
2026-07-14days on market $524,900 Active 192 DOM
-
2026-07-12days on market $524,900 Active 191 DOM
-
2026-07-11days on market $524,900 Active 190 DOM
-
2026-07-09days on market $524,900 Active 188 DOM
-
2026-07-08days on market $524,900 Active 187 DOM
-
2026-07-07days on market $524,900 Active 186 DOM
-
2026-07-06days on market $524,900 Active 185 DOM
-
2026-07-05days on market $524,900 Active 184 DOM
-
2026-07-04days on market $524,900 Active 183 DOM
-
2026-07-03days on market $524,900 Active 182 DOM
-
2026-07-02days on market $524,900 Active 181 DOM
-
2026-07-01days on market $524,900 Active 180 DOM
-
2026-06-30days on market $524,900 Active 179 DOM
-
2026-06-29days on market $524,900 Active 178 DOM
-
2026-06-28days on market $524,900 Active 177 DOM
-
2026-06-28days on market $524,900 Active 176 DOM
-
2026-06-27days on market $524,900 Active 175 DOM
-
2026-06-25days on market $524,900 Active 173 DOM
-
2026-06-23days on market $524,900 Active 171 DOM
-
2026-06-21days on market $524,900 Active 170 DOM
-
2026-06-18days on market $524,900 Active 167 DOM
-
2026-06-17days on market $524,900 Active 166 DOM
-
2026-06-16days on market $524,900 Active 165 DOM
-
2026-06-15days on market $524,900 Active 164 DOM
-
2026-06-10days on market $524,900 Active 159 DOM
-
2026-06-09days on market $524,900 Active 158 DOM
-
2026-06-08days on market $524,900 Active 157 DOM
-
2026-06-07days on market $524,900 Active 156 DOM
-
2026-06-03days on market $524,900 Active 152 DOM
-
2026-06-03remarks 699-char remark
-
2026-06-03$524,900 Active 151 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 8/10 Severe FEMA zone X (shaded) · 96% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 10/10 Extreme 6 d/yr ≥107°F today · 25 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $75,362
- − Mortgage interest
- −$29,403
- − Property taxes
- −$7,874
- − Insurance
- −$3,422
- − Repairs & maintenance
- −$6,029
- − Management
- −$6,029
- − HOA
- −$14,568
- − Depreciation
- −$15,270
- Taxable loss
- −$7,232
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$1,736
- After-tax cash flow
- $2,377/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.
Condition & rehab AI · 14 photos
75/100
Cosmetic rehab
Est. rehab $7,250–$21,750 screening
This property is in good condition with minor repairs needed to the interior walls and flooring. It is located in a desirable area with a great view and easy access to the beach. The property is move-in ready and would be a great investment for both resale and rental.
Repairs flagged
- Minor Paint — The interior walls and ceiling have some minor scuff marks and minor discoloration.
- Minor Flooring — The flooring has some minor scuff marks and minor discoloration.
Value-add opportunities
- Resale Paint the interior walls and ceiling — Painting the interior walls and ceiling can make the home look fresh and new, which can increase its resale value. ↑
- Rental Clean and polish the flooring — Cleaning and polishing the flooring can make the home look more appealing to potential renters, which can increase its rental value. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
C
Composite school gradezoned avg 66/100
Zoned Schools
Elementary
Naples Park Elementary School
B
FL #608/2,144
Nat'l #6,217/41,679
Middle
Pine Ridge Middle School
A
FL #52/571
Nat'l #685/14,009
High
Barron Collier High School
B
FL #76/667
Nat'l #2,785/17,239
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
A
Composite livability gradescore 80/100
Livability — Naples
- Score
- 80/100
- State rank
- #126
- US rank
- #1903
Category grades
Amenities A+
Commute D+
Cost of living F
Crime A+
Employment A+
Housing C+
Health & safety A+
User ratings C+
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Collier County · 420,858 people
- City population
- 344,941
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 16,237
- Household income
- $119,212
- Rent vs Own
- Severe rent burden
- 15% of renters
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 (87%)
- Race & ethnicity
- White 87% Hispanic / Latino 8% Two or more races 7% Asian 1% Black 1%
- Hispanic origin (detail)
- Mexican 2% Cuban 3%
- Common ancestry
- Romanian 5% Lithuanian 3% Slovak 3%
- Foreign-born
- 16% · Canada, Dominican Republic, South Korea
- Languages at home
- 86% English-only · Spanish 6% Russian/Polish/Slavic 2% Other Indo-European 2%
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
- ▼ -587.97%
- Current HPI
- 275.1872
- Rent YoY
- ▲ 8.74%
- 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
-2.8% since first listed2 events — show timeline
- 2026-03-10 Price Changed $524,900 NAPLESMLS
- 2026-01-02 Listed $540,000 NAPLESMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…