750 Mooring Ln #105 · Naples, FL 34102

$339,000

2 bd · 2.0 ba · 843 sqft · Condo public records · 89 Days on market

Built 1969 $617/mo HOA · 12% of rent

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Why this score? — see what drove the A- 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +7.0/10.0
• Schools +5.0/10.0
• Rent growth +4.7/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Seller will finance and is also willing to lease with an option to buy this cozy retreat located West of 41 in a quiet neighborhood with plenty of mature landscaping. From here it's an easy walk to Publix, Walgreens, and restaurants. The home has been freshly painted and it has ceramic tile throughout. Screened lanai. There's Bike storage and plenty of parking available. Low fees. Moorings Beach Club membership available. The seller is offering a One Year Home Warranty.

Key facts

• Gulf beaches
• Screened-in balcony
• $617 HOA

Tags

• SCREENED-IN BALCONY
• RESIDENT-ONLY POOL AREA
• MOORINGS BEACH PARK MEMBERSHIP
• GULF BEACHES

Property features AI

Finance

• Other: Complex has 27 units; 12 units in the building
• HOA & community: Mandatory HOA; HOA fee $1,850 quarterly (total annual recurring fees $7,400); One-time fees $150; Professional management; HOA maintenance covers cable, insurance, laundry facilities, lawn/land maintenance, manager, exterior pest control, repairs, reserves, street lights, trash removal, water; Community amenities include beach club access, community pool, common laundry, internet access, streetlight; Non-gated community

Exterior

• Parking: 1 assigned covered deeded parking space; Detached 1-car carport
• Utilities: Water assessment paid; Sewer assessment paid; Cable available
• Home design: Residential property; Low-rise building (1-3); 2-story building; Rear exposure faces south; Zero lot line
• Construction: Concrete block construction; Brick exterior finish; Built-up or flat roof; Year built 1969; Foundation information not provided
• Exterior features: Patio; Sliding windows; Manual shutters

Interior

• Kitchen: Dishwasher; Disposal; Freezer; Microwave; Range; Refrigerator/Freezer; Self-cleaning oven
• Bedrooms: 2 bedrooms (split bedroom floor plan)
• Flooring: Tile
• Bathrooms: 2 full bathrooms; Master bath with tub only
• Heating & cooling: Central electric heating; Central electric cooling; Ceiling fans
• Interior features: High speed internet available; Screened lanai/porch; Furnished; 3 ceiling fans
• Laundry & utility: Common laundry (community)

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $339k.

Deal economics

• At list price, monthly cash flow is $1k ($16k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $339k).
• Recommended offer: $319k (6.0% below list) — sets the bar for market timing.

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: Lake Park Elementary School (math 76% / reading 77%, grade A, #185 of 2,144 statewide, top 9%, 502 students, 39% FRL); Naples High School (math 47% / reading 52%, grade D, #179 of 667 statewide, top 29%, 1,719 students, 39% FRL) — zoned schools average 39% FRL vs 55% district-wide (16 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+8.8%/yr); 614 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $5,161/mo this rent would consume 47% of the median local household income ($131k/yr) (locally 333% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $16k of equity ($2k loan paydown + $14k appreciation (4.1% local appreciation)).
• Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (4.1% appreciation + 8.0% rent growth), your $95k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$40k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 89 days — a 6% lower offer ($319k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 15y ago; this cycle's ask is 17752% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $195k; list at $339k implies a 74% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $318,660 (6.0% below list)

Questions for the listing agent

1. It's been on market 89 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. 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?
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 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?
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 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: 1.52% ✓
• Cap rate: 10.99%
• Cash-on-cash: 16.76%
• DSCR: 1.75
• GRM: 5.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

4.08% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 29.3%
• Equity multiple: 2.82×
• Total profit: $172,722
• Equity at exit: $173,535

10-year hold

• IRR: 31.6%
• Equity multiple: 6.52×
• Total profit: $524,432
• Equity at exit: $285,160

Cash invested: $94,920 (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 34102

• Home prices YoY: 1.3%
• Rents YoY: 8.8%
• Active inventory: 614
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $5,161 medium
• Mortgage (P&I): −$1,778
• Tax from tax record: −$215 /mo · $2,582/yr
• Insurance: −$141
• HOA: −$617
• Vacancy / Maint / Mgmt: −$1,084
• Net cashflow: $1,326

Break-even live

Break-even rent $3,482

Max offer price $339,000

Occupancy floor 69%

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: $84,750
• Closing costs: $10,170
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2170 Gulf Shore Blvd N Unit 41E Naples, FL	1.0	1.0	682	$6,000	$8.80	23d	1	0.60mi
1950 Gulf Shore Blvd N Naples, FL	2.0	2.0	1060	$7,250	$6.84	23d	2	0.60mi
1910 Gulf Shore Blvd N Naples, FL	2.0	2.0	1290	$9,200	$7.13	23d	2	0.61mi
820 Ketch Dr #2 Naples, FL	2.0	2.0	1100	$5,700	$5.18	23d	1	0.63mi
820 Ketch Dr #3 Naples, FL	2.0	2.0	1100	$5,500	$5.00	23d	1	0.63mi
2011 Gulf Shore Blvd N #45 Naples, FL	2.0	2.0	1100	$8,500	$7.73	23d	1	0.67mi
3030 Binnacle Dr #201 Naples, FL	2.0	2.0	1092	$5,000	$4.58	23d	1	0.72mi
1550 Gulf Shore Blvd N Unit E6 Naples, FL	1.0	1.0	817	$7,000	$8.57	21d	1	0.74mi
1550 Gulf Shore Blvd N Unit E6 Naples, FL	1.0	1.0	817	$7,000	$8.57	14d	1	0.74mi
333 Harbour Dr #211 Naples, FL	2.0	2.0	975	$5,500	$5.64	14d	1	0.76mi
1334 Crayton Rd #1 Naples, FL	2.0	2.0	1100	$6,800	$6.18	23d	1	0.78mi
1300 Gulf Shore Blvd N #700 Naples, FL	2.0	2.0	850	$6,250	$7.35	23d	1	0.87mi
1300 Gulf Shore Blvd N #406 Naples, FL	2.0	2.0	850	$6,500	$7.65	23d	1	0.87mi
1300 Gulf Shore Blvd N #205 Naples, FL	2.0	2.0	850	$5,900	$6.94	23d	1	0.87mi
1300 Gulf Shore Blvd N #304 Naples, FL	2.0	2.0	850	$5,500	$6.47	23d	1	0.87mi
45 High Point Cir S #303 Naples, FL	2.0	2.0	1015	$5,500	$5.42	23d	1	0.95mi
1100 Gulf Shore Blvd N Naples, FL	2.0	2.0	945	$6,000	$6.35	23d	2	1.00mi
3200 Gulf Shore Blvd N #105 Naples, FL	2.0	2.0	1116	$8,500	$7.62	23d	1	1.01mi
788 Park Shore Dr Naples, FL	1.0–2.0	1.5–2.0	931	$5,500	$5.90	13d	3	1.22mi

HOA detail condo

• Monthly dues: $617 · $7,404/yr
• Likely covers: landscaping
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 33 events

1. 2026-06-18
   days on market $339,000 Active 89 DOM
2. 2026-06-17
   days on market $339,000 Active 88 DOM
3. 2026-06-16
   days on market $339,000 Active 87 DOM
4. 2026-06-15
   days on market $339,000 Active 86 DOM
5. 2026-06-14
   days on market $339,000 Active 84 DOM
6. 2026-06-10
   days on market $339,000 Active 81 DOM
7. 2026-06-09
   days on market $339,000 Active 80 DOM
8. 2026-06-08
   days on market $339,000 Active 79 DOM
9. 2026-06-07
   days on market $339,000 Active 78 DOM
10. 2026-06-03
    days on market $339,000 Active 74 DOM
11. 2026-06-02
    days on market $339,000 Active 73 DOM
12. 2026-06-01
    days on market $339,000 Active 72 DOM
13. 2026-05-31
    days on market $339,000 Active 71 DOM
14. 2026-05-30
    days on market $339,000 Active 70 DOM
15. 2026-05-10
    price $339,000
16. 2026-04-13
    listed $1,899
17. 2026-03-21
    listed $349,000 Active
18. 2026-02-20
    historical $2,980
19. 2026-01-08
    listed $2,980
20. 2026-01-08
    historical $2,980
21. 2025-11-13
    price $2,980
22. 2025-10-21
    listed $3,240
23. 2025-08-01
    historical
24. 2025-02-01
    historical $3,990
25. 2025-02-01
    price $399,900
26. 2024-12-18
    price $3,990
27. 2024-12-11
    price $379,999
28. 2024-11-13
    listed $4,950
29. 2024-11-13
    listed $399,000 Active
30. 2014-12-19
    soldstatus $195,000
31. 2012-08-22
    soldstatus $92,000
32. 2012-08-17
    soldstatus $92,000 474-char remark

    Show marketing remark (474 chars)

    Seller will finance and is also willing to lease with an option to buy this cozy retreat located West of 41 in a quiet neighborhood with plenty of mature landscaping. From here it's an easy walk to Publix, Walgreens, and restaurants. The home has been freshly painted and it has ceramic tile throughout. Screened lanai. There's Bike storage and plenty of parking available. Low fees. Moorings Beach Club membership available. The seller is offering a One Year Home Warranty.

33. 2011-08-17
    listed $115,000 474-char remark

    Show marketing remark (474 chars)

    Seller will finance and is also willing to lease with an option to buy this cozy retreat located West of 41 in a quiet neighborhood with plenty of mature landscaping. From here it's an easy walk to Publix, Walgreens, and restaurants. The home has been freshly painted and it has ceramic tile throughout. Screened lanai. There's Bike storage and plenty of parking available. Low fees. Moorings Beach Club membership available. The seller is offering a One Year Home Warranty.

ⓘ 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: $2,582 · $215/mo
• Projected year-2 tax: $2,814 · $234/mo
• Expected delta: +$232/yr (+$19/mo · 9.0%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (shaded) · 54% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 27 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $61,929
• − Mortgage interest: −$18,989
• − Property taxes: −$2,582
• − Insurance: −$1,695
• − Repairs & maintenance: −$4,954
• − Management: −$4,954
• − HOA: −$7,404
• − Depreciation: −$9,862
• Taxable income: $11,488
• Est. tax owed @ 24.0%: −$2,757
• After-tax cash flow: $13,153/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 — 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

• Census place: Naples, FL
• County: Collier County · 396,295 people
• City population: 344,941
• Metro: Naples-Marco Island, FL
• Population (ZIP): 11,179
• Household income: $130,929
• Rent vs Own: 24.1% rent · 75.9% own
• Severe rent burden: 333.0

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 (79%)
• Race & ethnicity: White 79% Hispanic / Latino 9% Two or more races 8% Black 8% Asian 1%
• Hispanic origin (detail): Cuban 6%
• Common ancestry: Hispanic 4% Lithuanian 4% Romanian 4%
• Foreign-born: 17% · Canada, China
• Languages at home: 87% English-only · Spanish 7% French/Haitian/Cajun 4% German/W. Germanic 1%

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: ▲ 4.08%
• Current HPI: 328.2755
• Rent YoY: ▲ 8.75%
• 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

+194.8% since first listed

19 events — show timeline

• 2026-05-10 Price Changed $339,000 NAPLESMLS
• 2026-04-13 Listed for Rent $1,899 FGCMLS
• 2026-03-21 Listed $349,000 NAPLESMLS
• 2026-02-20 Rental Removed $2,980 FGCMLS
• 2026-01-08 Listed for Rent $2,980 FGCMLS
• 2026-01-08 Rental Removed $2,980 NAPLESMLS
• 2025-11-13 Price Changed $2,980 NAPLESMLS
• 2025-10-21 Listed for Rent $3,240 NAPLESMLS
• 2025-08-01 Listing Removed — NAPLESMLS
• 2025-02-01 Rental Removed $3,990 NAPLESMLS
• 2025-02-01 Price Changed $399,900 NAPLESMLS
• 2024-12-18 Price Changed $3,990 NAPLESMLS
• 2024-12-11 Price Changed $379,999 NAPLESMLS
• 2024-11-13 Listed for Rent $4,950 NAPLESMLS
• 2024-11-13 Listed $399,000 NAPLESMLS
• 2014-12-19 Sold (Public Records) $195,000 Public Records
• 2012-08-22 Sold (Public Records) $92,000 Public Records
• 2012-08-17 Sold (MLS) $92,000 NAPLESMLS
• 2011-08-17 Listed $115,000 NAPLESMLS

Property tax history

+9.0%/yr

Latest (2025): $2,582 · +0.2% YoY. Source: county tax records.