3028 Bamboo Ct · Charlotte Park, FL 33950

$217,500

3 bd · 2.0 ba · 1,512 sqft · Manufactured public records · 107 Days on market

Built 1987 0.29 ac lot Est $208k · at est. · waterfront

---

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 +27.4/30.0
• DSCR +9.6/10.0
• 1% rule +7.6/10.0
• ARV discount +5.5/15.0
• Schools +4.6/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

WATERFRONT LIVING AT AN AFFORDABLE PRICE – OWNER OCCUPANT OR INCOME OPPORTUNITY Just got better seller provided $600 home warrenty at closing and new price to buyer. Better deal with assurance in what we are selling is what we say Enjoy the Florida waterfront lifestyle in this well-maintained 3 bedroom, 2 bath double-wide home located in the beautiful boating community of Punta Gorda. Whether you are looking for a primary residence, seasonal getaway, or income-producing property, this home offers exceptional value. Situated on an oversized lot on a quiet private dead-end street, the property features saltwater canal frontage with a large wood dock, providing boating access to Charlotte Harbor and the Gulf of Mexico (no sailboats). Inside, the home offers a spacious and comfortable layout including: • Formal living room • Formal dining area • Large family room • Kitchen with seating counter and pantry closet • Split bedroom floor plan for privacy The private owner’s suite includes a large walk-in closet and private bathroom, while two additional bedrooms share a full bath with tub/shower combination. Outdoor living is where this property truly shines. Enjoy the Florida Room overlooking the backyard, an additional lanai, and a concrete patio area perfect for evening gatherings or a fire pit. The property also includes a separate laundry/utility room with wall A/C and a storage shed. Just minutes from the waterfront shops and restaurants at Fishermen’s Village, along with golf, tennis, pickleball, boating, fishing, and the charm of historic downtown Punta Gorda. Easy access to Interstate 75 makes travel simple. A rare opportunity to own affordable waterfront property in one of Southwest Florida’s most desirable boating communities.

Key facts

• Large wood dock
• Florida room
• Concrete patio area

Tags

• SALTWATER CANAL FRONTAGE
• LARGE WOOD DOCK
• PRIVATE DEAD-END STREET
• FLORIDA ROOM
• CONCRETE PATIO AREA
• SEPARATE LAUNDRY UTILITY ROOM

Property features AI

Finance

• Other: Not a sailboat property (bridges to go under); Unfurnished
• HOA & community: No association fees; Pets allowed

Exterior

• Parking: Carport (2 spaces)
• Security: Hurricane shutters
• Utilities: Public water; Septic tank; Electricity connected; Water connected
• Home design: Manufactured home (double wide); Single-story; Multi/split levels inside; Faces west; On waterfront with canal/saltwater access and water views (Canal, Gulf/Ocean to Bay)
• Construction: Vinyl siding; Metal roof; Block foundation; Completed condition; Double wide body type; Shed(s)
• Exterior features: Deck; Enclosed patio/porch; Patio; Rear porch; Hurricane shutters; Storage shed; Flood zone; Landscaped yard; Level lot; Paved surfaces; Publicly maintained road; Trees/landscaped vegetation

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Built-in features; Ceiling fans; Thermostat; Shutters; Window treatments
• Laundry & utility: Inside laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $218k.

Deal economics

• At list price, monthly cash flow is $209 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $218k).
• Recommended offer: $198k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 4.3% in Charlotte Park — 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 66/100 on livability (#624 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
• 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: Sallie Jones Elementary School (math 75% / reading 74%, grade A, #230 of 2,144 statewide, top 12%, 694 students, 47% FRL); Punta Gorda Middle School (math 54% / reading 52%, grade C+, #209 of 571 statewide, top 37%, 1,120 students, 41% FRL); Port Charlotte High School (math 23% / reading 38%, grade F, #434 of 667 statewide, top 66%, 1,649 students, 43% FRL).
• Market conditions: Rents soft (-0.1%/yr); 1004 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 43% 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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 107 days — a 9% lower offer ($198k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 3y ago; this cycle's ask has dropped $12k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $197,925 (9.0% below list)

Questions for the listing agent

1. It's been on market 107 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
7. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
8. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
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 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: 1.26% ✓
• Cap rate: 9.80%
• Cash-on-cash: 12.53%
• DSCR: 1.56
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $208,202
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
730 Del Ray Pl	0.75mi	3/2.0	1,620 (+7%)	5mo	$165,000	$102	49

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: -14.1%
• Equity multiple: 0.51×
• Total profit: $-29,638
• Equity at exit: $32,430

10-year hold

• IRR: -13.0%
• Equity multiple: 0.37×
• Total profit: $-38,441
• Equity at exit: $18,805

Cash invested: $60,900 (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: 1004
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $2,747 high
• Mortgage (P&I): −$1,141
• Tax from tax record: −$303 /mo · $3,640/yr
• Insurance: −$91
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$577
• Net cashflow: $209

Break-even live

Break-even rent $2,482

Max offer price $217,500

Occupancy floor 87%

Sensitivity live

Price	-10% $333	-5% $271	+0% $209	+5% $148	+10% $86
Rent	-10% $-8	-5% $101	+0% $209	+5% $318	+10% $426
Rate	-1.0pp $319	-0.5pp $265	base $209	+0.5pp $153	+1.0pp $96

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: $54,375
• Closing costs: $6,525
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3004 Banyan Way Punta Gorda, FL	3.0	2.0	1522	$3,390	$2.23	23d	1	0.07mi
2736 Magdalina Dr Punta Gorda, FL	3.0	2.0	2004	$5,000	$2.50	23d	1	0.22mi
2811 Poinciana Ct Punta Gorda, FL	3.0	2.0	2154	$2,300	$1.07	15d	1	0.26mi
1340 Rock Dove Ct #144 Punta Gorda, FL	3.0	2.0	1813	$1,850	$1.02	23d	1	0.27mi
1340 Rock Dove Ct #144 Punta Gorda, FL	3.0	2.0	1813	$1,850	$1.02	15d	1	0.27mi
920 Conecta Dr Punta Gorda, FL	2.0	2.5	1137	$1,500	$1.32	15d	1	0.27mi
3025 Magnolia Way Punta Gorda, FL	2.0	2.0	1068	$2,500	$2.34	23d	1	0.38mi
1431 Aqui Esta Dr #411 Punta Gorda, FL	3.0	2.0	1556	$2,000	$1.29	23d	1	0.43mi
625 Pompano Ter Punta Gorda, FL	2.0	2.0	1220	$1,850	$1.52	23d	1	0.45mi
323 Dolphin Pkwy Punta Gorda, FL	2.0	2.0	1272	$2,100	$1.65	23d	1	0.51mi
3228 Purple Martin Dr #125 Punta Gorda, FL	3.0	2.0	1501	$4,000	$2.66	15d	1	0.52mi
3228 Purple Martin Dr #125 Punta Gorda, FL	3.0	2.0	1501	$4,000	$2.66	23d	1	0.52mi
1204 Spanish Cay Ln Unit A Punta Gorda, FL	2.0	2.0	1176	$1,495	$1.27	23d	1	0.57mi
3320 Palm Dr Punta Gorda, FL	3.0	2.0	1703	$2,400	$1.41	23d	1	0.57mi
732 Santa Margerita Ln Punta Gorda, FL	3.0	2.0	2017	$3,000	$1.49	23d	1	0.57mi
3322 Purple Martin Dr Unit Reservation Spot 1 Punta Gorda, FL	2.0	2.0	1400	$3,800	$2.71	23d	1	0.59mi
3322 Purple Martin Dr #132 Punta Gorda, FL	2.0	2.0	1381	$1,650	$1.19	23d	1	0.59mi
3334 Purple Martin Dr #211 Punta Gorda, FL	2.0	2.0	1851	$4,500	$2.43	23d	1	0.60mi
2926 Vasco St Unit 112 Punta Gorda, FL	3.0	2.0	1329	$2,250	$1.69	23d	1	0.61mi
255 W End Dr Punta Gorda, FL	2.0–3.0	2.0	1559	$3,500	$2.24	23d	3	0.67mi
1001 Mineo Dr Punta Gorda, FL	3.0	2.0	1850	$4,500	$2.43	23d	1	0.67mi
240 W End Dr #611 Punta Gorda, FL	2.0	2.0	1306	$1,675	$1.28	23d	1	0.70mi
1080 Bal Harbor Blvd Unit 4D Punta Gorda, FL	2.0	2.0	1114	$1,675	$1.50	23d	1	0.80mi
601 Shreve St Punta Gorda, FL	2.0	2.0	1396	$3,500	$2.51	23d	3	0.82mi
4020 Palm Dr Punta Gorda, FL	2.0	2.0	1228	$2,300	$1.87	23d	1	0.83mi
311 Garvin St Unit 407A Punta Gorda, FL	2.0	2.0	1114	$2,200	$1.97	23d	1	0.86mi
2000 Bal Harbor Blvd #9112 Punta Gorda, FL	3.0	2.0	1517	$1,900	$1.25	15d	1	0.87mi
945 Bal Harbor Blvd Punta Gorda, FL	3.0	2.0	2085	$5,500	$2.64	23d	1	0.87mi
2001 Bal Harbor Blvd #2412 Punta Gorda, FL	2.0	2.0	1367	$2,300	$1.68	15d	1	0.91mi
2002 Bal Harbor Blvd Punta Gorda, FL	3.0	2.0	1517	$2,700	$1.78	23d	1	0.92mi
316 Coldeway Dr #26 Punta Gorda, FL	2.0	2.0	1460	$1,500	$1.03	15d	1	0.96mi
1620 Montia Ct Punta Gorda, FL	2.0	2.0	1100	$2,300	$2.09	23d	1	0.96mi
16 Freeman Ave Unit Reservation spot 2 Punta Gorda, FL	2.0	2.0	1375	$3,500	$2.55	23d	1	0.97mi
423 Matares Dr Punta Gorda, FL	2.0	2.0	1650	$2,500	$1.52	23d	1	0.97mi
3640 Bal Harbor Blvd #534 Punta Gorda, FL	2.0	2.0	1405	$1,800	$1.28	15d	1	1.03mi
470 Bal Harbor Blvd Punta Gorda, FL	3.0	2.0	2213	$5,000	$2.26	23d	1	1.04mi
501 Bal Harbor Blvd Punta Gorda, FL	3.0	2.0	1830	$2,850	$1.56	15d	1	1.05mi
2 Emden Cir Unit 1 Punta Gorda, FL	2.0	2.0	1800	$3,500	$1.94	23d	1	1.05mi
1980 Aqui Esta Dr Punta Gorda, FL	3.0	2.0	1862	$2,850	$1.53	23d	1	1.05mi
67 Windmill Blvd Unit 212O Punta Gorda, FL	2.0	2.0	1620	$1,895	$1.17	23d	1	1.08mi

Listing history 35 events

1. 2026-06-22
   days on market $217,500 Active 107 DOM
2. 2026-06-18
   days on market $217,500 Active 104 DOM
3. 2026-06-17
   days on market $217,500 Active 103 DOM
4. 2026-06-16
   days on market $217,500 Active 102 DOM
5. 2026-06-15
   days on market $217,500 Active 101 DOM
6. 2026-06-14
   days on market $217,500 Active 99 DOM
7. 2026-06-13
   days on market $217,500 Active 98 DOM
8. 2026-06-10
   days on market $217,500 Active 96 DOM
9. 2026-06-09
   days on market $217,500 Active 95 DOM
10. 2026-06-08
    days on market $217,500 Active 94 DOM
11. 2026-06-07
    days on market $217,500 Active 93 DOM
12. 2026-06-05
    days on market $217,500 Active 90 DOM
13. 2026-06-03
    days on market $217,500 Active 89 DOM
14. 2026-06-02
    days on market $217,500 Active 88 DOM
15. 2026-06-01
    days on market $217,500 Active 87 DOM
16. 2026-05-31
    days on market $217,500 Active 86 DOM
17. 2026-05-30
    days on market $217,500 Active 85 DOM
18. 2026-03-31
    price $217,500 1819-char remark

    Show marketing remark (1819 chars)

    WATERFRONT LIVING AT AN AFFORDABLE PRICE – OWNER OCCUPANT OR INCOME OPPORTUNITY Just got better seller provided $600 home warrenty at closing and new price to buyer. Better deal with assurance in what we are selling is what we say Enjoy the Florida waterfront lifestyle in this well-maintained 3 bedroom, 2 bath double-wide home located in the beautiful boating community of Punta Gorda. Whether you are looking for a primary residence, seasonal getaway, or income-producing property, this home offers exceptional value. Situated on an oversized lot on a quiet private dead-end street, the property features saltwater canal frontage with a large wood dock, providing boating access to Charlotte Harbor and the Gulf of Mexico (no sailboats). Inside, the home offers a spacious and comfortable layout including: • Formal living room • Formal dining area • Large family room • Kitchen with seating counter and pantry closet • Split bedroom floor plan for privacy The private owner’s suite includes a large walk-in closet and private bathroom, while two additional bedrooms share a full bath with tub/shower combination. Outdoor living is where this property truly shines. Enjoy the Florida Room overlooking the backyard, an additional lanai, and a concrete patio area perfect for evening gatherings or a fire pit. The property also includes a separate laundry/utility room with wall A/C and a storage shed. Just minutes from the waterfront shops and restaurants at Fishermen’s Village, along with golf, tennis, pickleball, boating, fishing, and the charm of historic downtown Punta Gorda. Easy access to Interstate 75 makes travel simple. A rare opportunity to own affordable waterfront property in one of Southwest Florida’s most desirable boating communities.

19. 2026-03-31
    price $217,500

    Show marketing remark (1819 chars)

    WATERFRONT LIVING AT AN AFFORDABLE PRICE – OWNER OCCUPANT OR INCOME OPPORTUNITY Just got better seller provided $600 home warrenty at closing and new price to buyer. Better deal with assurance in what we are selling is what we say Enjoy the Florida waterfront lifestyle in this well-maintained 3 bedroom, 2 bath double-wide home located in the beautiful boating community of Punta Gorda. Whether you are looking for a primary residence, seasonal getaway, or income-producing property, this home offers exceptional value. Situated on an oversized lot on a quiet private dead-end street, the property features saltwater canal frontage with a large wood dock, providing boating access to Charlotte Harbor and the Gulf of Mexico (no sailboats). Inside, the home offers a spacious and comfortable layout including: • Formal living room • Formal dining area • Large family room • Kitchen with seating counter and pantry closet • Split bedroom floor plan for privacy The private owner’s suite includes a large walk-in closet and private bathroom, while two additional bedrooms share a full bath with tub/shower combination. Outdoor living is where this property truly shines. Enjoy the Florida Room overlooking the backyard, an additional lanai, and a concrete patio area perfect for evening gatherings or a fire pit. The property also includes a separate laundry/utility room with wall A/C and a storage shed. Just minutes from the waterfront shops and restaurants at Fishermen’s Village, along with golf, tennis, pickleball, boating, fishing, and the charm of historic downtown Punta Gorda. Easy access to Interstate 75 makes travel simple. A rare opportunity to own affordable waterfront property in one of Southwest Florida’s most desirable boating communities.

20. 2026-03-06
    listed $229,900 Active 1819-char remark

    Show marketing remark (1819 chars)

    WATERFRONT LIVING AT AN AFFORDABLE PRICE – OWNER OCCUPANT OR INCOME OPPORTUNITY Just got better seller provided $600 home warrenty at closing and new price to buyer. Better deal with assurance in what we are selling is what we say Enjoy the Florida waterfront lifestyle in this well-maintained 3 bedroom, 2 bath double-wide home located in the beautiful boating community of Punta Gorda. Whether you are looking for a primary residence, seasonal getaway, or income-producing property, this home offers exceptional value. Situated on an oversized lot on a quiet private dead-end street, the property features saltwater canal frontage with a large wood dock, providing boating access to Charlotte Harbor and the Gulf of Mexico (no sailboats). Inside, the home offers a spacious and comfortable layout including: • Formal living room • Formal dining area • Large family room • Kitchen with seating counter and pantry closet • Split bedroom floor plan for privacy The private owner’s suite includes a large walk-in closet and private bathroom, while two additional bedrooms share a full bath with tub/shower combination. Outdoor living is where this property truly shines. Enjoy the Florida Room overlooking the backyard, an additional lanai, and a concrete patio area perfect for evening gatherings or a fire pit. The property also includes a separate laundry/utility room with wall A/C and a storage shed. Just minutes from the waterfront shops and restaurants at Fishermen’s Village, along with golf, tennis, pickleball, boating, fishing, and the charm of historic downtown Punta Gorda. Easy access to Interstate 75 makes travel simple. A rare opportunity to own affordable waterfront property in one of Southwest Florida’s most desirable boating communities.

21. 2026-03-06
    listed $229,900 Active

    Show marketing remark (1819 chars)

    WATERFRONT LIVING AT AN AFFORDABLE PRICE – OWNER OCCUPANT OR INCOME OPPORTUNITY Just got better seller provided $600 home warrenty at closing and new price to buyer. Better deal with assurance in what we are selling is what we say Enjoy the Florida waterfront lifestyle in this well-maintained 3 bedroom, 2 bath double-wide home located in the beautiful boating community of Punta Gorda. Whether you are looking for a primary residence, seasonal getaway, or income-producing property, this home offers exceptional value. Situated on an oversized lot on a quiet private dead-end street, the property features saltwater canal frontage with a large wood dock, providing boating access to Charlotte Harbor and the Gulf of Mexico (no sailboats). Inside, the home offers a spacious and comfortable layout including: • Formal living room • Formal dining area • Large family room • Kitchen with seating counter and pantry closet • Split bedroom floor plan for privacy The private owner’s suite includes a large walk-in closet and private bathroom, while two additional bedrooms share a full bath with tub/shower combination. Outdoor living is where this property truly shines. Enjoy the Florida Room overlooking the backyard, an additional lanai, and a concrete patio area perfect for evening gatherings or a fire pit. The property also includes a separate laundry/utility room with wall A/C and a storage shed. Just minutes from the waterfront shops and restaurants at Fishermen’s Village, along with golf, tennis, pickleball, boating, fishing, and the charm of historic downtown Punta Gorda. Easy access to Interstate 75 makes travel simple. A rare opportunity to own affordable waterfront property in one of Southwest Florida’s most desirable boating communities.

22. 2025-12-16
    historical
23. 2025-12-05
    price $225,000
24. 2025-07-11
    listed $275,000 Active
25. 2024-04-11
    historical
26. 2024-03-14
    historical $2,100
27. 2024-02-16
    price $299,000
28. 2024-01-10
    price $325,000
29. 2024-01-10
    price $349,000
30. 2023-12-14
    price $2,100
31. 2023-12-13
    price $2,000
32. 2023-11-11
    listed $2,100
33. 2023-06-23
    listed $359,000 Active
34. 2021-07-20
    soldstatus $230,000
35. 1984-06-01
    soldstatus $34,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $3,640 · $303/mo
• Projected year-2 tax: $3,640 · $303/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 10/10 Extreme FEMA zone AE · 99% 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: $32,970
• − Mortgage interest: −$12,183
• − Property taxes: −$3,640
• − Insurance: −$6,206
• − Repairs & maintenance: −$2,638
• − Management: −$2,638
• − Depreciation: −$6,327
• Taxable loss: −$662
• Est. tax savings @ 24.0%: +$159
• After-tax cash flow: $2,672/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 — Charlotte Park

• Score: 66/100
• State rank: #624
• US rank: #12150

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Charlotte Park, FL
• County: Charlotte County · 196,994 people
• 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

+539.7% since first listed

18 events — show timeline

• 2026-03-31 Price Changed $217,500 FORTMLS
• 2026-03-31 Price Changed $217,500 Stellar MLS as Distributed by MLS Grid
• 2026-03-06 Listed $229,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-06 Listed $229,900 FORTMLS
• 2025-12-16 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-12-05 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-11 Listed $275,000 Stellar MLS as Distributed by MLS Grid
• 2024-04-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-03-14 Rental Removed $2,100 APPFOLIO
• 2024-02-16 Price Changed $299,000 Stellar MLS as Distributed by MLS Grid
• 2024-01-10 Price Changed $325,000 Stellar MLS as Distributed by MLS Grid
• 2024-01-10 Price Changed $349,000 Stellar MLS as Distributed by MLS Grid
• 2023-12-14 Price Changed $2,100 APPFOLIO
• 2023-12-13 Price Changed $2,000 APPFOLIO
• 2023-11-11 Listed for Rent $2,100 APPFOLIO
• 2023-06-23 Listed $359,000 Stellar MLS as Distributed by MLS Grid
• 2021-07-20 Sold (Public Records) $230,000 Public Records
• 1984-06-01 Sold (Public Records) $34,000 Public Records

Property tax history

+11.3%/yr

Latest (2025): $3,640 · -17.5% YoY. Source: county tax records.