14748 Cranberry Ct · Winding Cypress, FL 34114

$400,000

3 bd · 2.0 ba · 1,391 sqft · SingleFamily public records · 14 Days on market

Built 2013 5,662 sqft lot $338/mo HOA · 6% 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
• DSCR +10.0/10.0
• 1% rule +9.9/10.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• Appreciation +4.3/10.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

For an entry to the Naples area lifestyle and a meticulously maintained 2013 built villa in the beautiful Reflection Lakes community, look no further! As you drive through you'll pass the beautiful clubhouse and amenities, a great value for the very reasonable HOA fee. Approaching the home note the stately royal palms lining the streets and tasteful appeal of the neighborhood. Once in the home you'll find a spic and span, well finished, tasteful interior and even better, one of the biggest outdoor living areas (lanai) of any villa in the community. Plenty of room for a grill, table & chairs, lounge, umbrella and your favorite potted plants. Enjoy the peaceful lake setting complete with gorgeous morning skies, wading birds and a well landscaped tropical feel. Current owners love to enjoy their morning coffee on the backyard bench overlooking the lake. An attractive attached villa like this gives you your own yard and privacy unlike a condo and also without the price of a comparable single home!

Key facts

• Lakefront living
• Gorgeous lake views
• Granite countertops

Tags

• LAKEFRONT LIVING
• GORGEOUS LAKE VIEWS
• CHEF INSPIRED KITCHEN
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• OVERSIZED SCREENED LANAI

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $400k.

Deal economics

• At list price, monthly cash flow is $2k ($22k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($6k rent vs $400k).

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Collier (suburban): math 60% / reading 56% proficiency, ranked #16 of 73 in FL (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.2%/yr); 905 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $5,965/mo this rent would consume 80% of the median local household income ($89k/yr) (locally 550% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-1.5%/yr); year-one equity from $3k of loan paydown is wiped out by about $6k 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 (-1.5% appreciation + 3.2% rent growth), your $112k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 10y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $275k; 45% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

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

Recommended offer $400,000

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
4. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
5. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
6. 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.
7. 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.
8. 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: 1.49% ✓
• Cap rate: 11.68%
• Cash-on-cash: 19.23%
• DSCR: 1.86
• GRM: 5.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 15.6%
• Equity multiple: 1.69×
• Total profit: $77,069
• Equity at exit: $87,405

10-year hold

• IRR: 22.2%
• Equity multiple: 3.18×
• Total profit: $244,203
• Equity at exit: $84,196

Cash invested: $112,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34114

• Home prices YoY: -0.6%
• Rents YoY: 3.2%
• Active inventory: 905
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $5,965 high
• Mortgage (P&I): −$2,098
• Tax from tax record: −$315 /mo · $3,779/yr
• Insurance: −$167
• HOA: −$338
• Vacancy / Maint / Mgmt: −$1,253
• Net cashflow: $1,795

Break-even live

Break-even rent $3,693

Max offer price $400,000

Occupancy floor 65%

Sensitivity live

Price	-10% $2,022	-5% $1,908	+0% $1,795	+5% $1,682	+10% $1,569
Rent	-10% $1,324	-5% $1,560	+0% $1,795	+5% $2,031	+10% $2,267
Rate	-1.0pp $1,997	-0.5pp $1,897	base $1,795	+0.5pp $1,692	+1.0pp $1,586

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: $100,000
• Closing costs: $12,000
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14796 Canton Ct Naples, FL	3.0	2.0	1677	$7,000	$4.17	24d	1	0.07mi
14214 Manchester Dr Naples, FL	3.0	2.0	1560	$2,700	$1.73	22d	1	0.33mi
14214 Manchester Dr Naples, FL	3.0	2.0	1560	$2,800	$1.79	24d	1	0.33mi
130 Grassy Key Ln Naples, FL	3.0	2.0	1248	$1,850	$1.48	15d	1	0.36mi
130 Grassy Key Ln #37 Naples, FL	3.0	2.0	1248	$1,795	$1.44	15d	1	0.36mi
14670 Catamaran Pl Naples, FL	3.0	2.0	1816	$7,000	$3.85	24d	1	0.80mi
2244 Yellowfin Cir Naples, FL	3.0	2.0	1655	$3,300	$1.99	15d	1	0.96mi
14162 Nautica Ct Naples, FL	3.0	2.0	1684	$3,800	$2.26	24d	1	0.97mi
2235 Yellowfin Cir Naples, FL	2.0	2.0	1500	$2,795	$1.86	24d	1	0.97mi
14103 Nautica Ct Naples, FL	3.0	2.5	1850	$3,650	$1.97	24d	1	0.98mi
14827 Edgewater Cir Naples, FL	2.0	2.0	1515	$6,500	$4.29	24d	1	1.04mi
14888 Edgewater Cir Naples, FL	2.0	2.0	1515	$6,200	$4.09	24d	1	1.11mi
14940 Edgewater Cir Naples, FL	2.0	2.0	1519	$7,200	$4.74	24d	1	1.18mi
14680 Edgewater Cir Naples, FL	2.0	2.0	1515	$3,195	$2.11	24d	1	1.23mi
15158 Tolmino St Naples, FL	2.0	2.0	1676	$3,000	$1.79	15d	1	1.23mi
14672 Edgewater Cir Naples, FL	2.0	2.0	1519	$6,500	$4.28	24d	1	1.24mi
14551 Edgewater Cir Naples, FL	2.0	2.0	1515	$6,000	$3.96	24d	1	1.25mi
14558 Edgewater Cir Naples, FL	2.0	2.0	1519	$6,500	$4.28	24d	1	1.25mi
14582 Edgewater Cir Naples, FL	2.0	2.0	1515	$7,500	$4.95	24d	1	1.27mi
14663 Edgewater Cir Naples, FL	2.0	2.0	1519	$7,000	$4.61	24d	1	1.27mi
14644 Edgewater Cir Naples, FL	2.0	2.0	1519	$7,000	$4.61	24d	1	1.27mi
14632 Edgewater Cir Unit 1049696P Naples, FL	2.0	2.0	1506	$6,237	$4.14	15d	1	1.28mi
14567 Edgewater Cir Naples, FL	2.0	2.0	1515	$6,500	$4.29	24d	1	1.28mi
7674 Jacaranda Ln Naples, FL	2.0	2.0	1554	$3,800	$2.45	24d	1	1.28mi
7662 Jacaranda Ln Naples, FL	2.0	2.0	1555	$3,500	$2.25	15d	1	1.30mi
14639 Edgewater Cir Naples, FL	2.0	2.0	1557	$6,000	$3.85	24d	1	1.30mi
15320 Lucerna St #102 Naples, FL	2.0	2.0	1717	$2,995	$1.74	15d	1	1.30mi
14631 Edgewater Cir Naples, FL	2.0	2.0	1515	$2,795	$1.84	15d	1	1.31mi
7631 Jacaranda Ln Naples, FL	2.0	2.0	1542	$7,000	$4.54	24d	1	1.36mi
7567 Winding Cypress Dr Naples, FL	3.0	2.0	1805	$11,500	$6.37	24d	1	1.41mi
14541 Stern Way Naples, FL	2.0	2.0	1819	$8,000	$4.40	24d	1	1.43mi
14471 Stillwater Way Naples, FL	3.0	2.0	1816	$8,500	$4.68	24d	1	1.47mi

HOA detail

• Monthly dues: $338 · $4,056/yr

Listing history 17 events

1. 2026-04-12
   status Pending
2. 2026-03-29
   listed $400,000 Active
3. 2020-11-23
   soldstatus $275,000
4. 2020-11-17
   soldstatus $275,000 Sold 1014-char remark

   Show marketing remark (1014 chars)

   For an entry to the Naples area lifestyle and a meticulously maintained 2013 built villa in the beautiful Reflection Lakes community, look no further! As you drive through you'll pass the beautiful clubhouse and amenities, a great value for the very reasonable HOA fee. Approaching the home note the stately royal palms lining the streets and tasteful appeal of the neighborhood. Once in the home you'll find a spic and span, well finished, tasteful interior and even better, one of the biggest outdoor living areas (lanai) of any villa in the community. Plenty of room for a grill, table & chairs, lounge, umbrella and your favorite potted plants. Enjoy the peaceful lake setting complete with gorgeous morning skies, wading birds and a well landscaped tropical feel. Current owners love to enjoy their morning coffee on the backyard bench overlooking the lake. An attractive attached villa like this gives you your own yard and privacy unlike a condo and also without the price of a comparable single home!

5. 2020-10-13
   status Pending With Contingencies 1014-char remark

   Show marketing remark (1014 chars)

   For an entry to the Naples area lifestyle and a meticulously maintained 2013 built villa in the beautiful Reflection Lakes community, look no further! As you drive through you'll pass the beautiful clubhouse and amenities, a great value for the very reasonable HOA fee. Approaching the home note the stately royal palms lining the streets and tasteful appeal of the neighborhood. Once in the home you'll find a spic and span, well finished, tasteful interior and even better, one of the biggest outdoor living areas (lanai) of any villa in the community. Plenty of room for a grill, table & chairs, lounge, umbrella and your favorite potted plants. Enjoy the peaceful lake setting complete with gorgeous morning skies, wading birds and a well landscaped tropical feel. Current owners love to enjoy their morning coffee on the backyard bench overlooking the lake. An attractive attached villa like this gives you your own yard and privacy unlike a condo and also without the price of a comparable single home!

6. 2020-09-21
   price $279,900 1014-char remark

   Show marketing remark (1014 chars)

   For an entry to the Naples area lifestyle and a meticulously maintained 2013 built villa in the beautiful Reflection Lakes community, look no further! As you drive through you'll pass the beautiful clubhouse and amenities, a great value for the very reasonable HOA fee. Approaching the home note the stately royal palms lining the streets and tasteful appeal of the neighborhood. Once in the home you'll find a spic and span, well finished, tasteful interior and even better, one of the biggest outdoor living areas (lanai) of any villa in the community. Plenty of room for a grill, table & chairs, lounge, umbrella and your favorite potted plants. Enjoy the peaceful lake setting complete with gorgeous morning skies, wading birds and a well landscaped tropical feel. Current owners love to enjoy their morning coffee on the backyard bench overlooking the lake. An attractive attached villa like this gives you your own yard and privacy unlike a condo and also without the price of a comparable single home!

7. 2020-08-19
   status Active 1014-char remark

   Show marketing remark (1014 chars)

   For an entry to the Naples area lifestyle and a meticulously maintained 2013 built villa in the beautiful Reflection Lakes community, look no further! As you drive through you'll pass the beautiful clubhouse and amenities, a great value for the very reasonable HOA fee. Approaching the home note the stately royal palms lining the streets and tasteful appeal of the neighborhood. Once in the home you'll find a spic and span, well finished, tasteful interior and even better, one of the biggest outdoor living areas (lanai) of any villa in the community. Plenty of room for a grill, table & chairs, lounge, umbrella and your favorite potted plants. Enjoy the peaceful lake setting complete with gorgeous morning skies, wading birds and a well landscaped tropical feel. Current owners love to enjoy their morning coffee on the backyard bench overlooking the lake. An attractive attached villa like this gives you your own yard and privacy unlike a condo and also without the price of a comparable single home!

8. 2020-08-11
   status Pending With Contingencies 1014-char remark

   Show marketing remark (1014 chars)

   For an entry to the Naples area lifestyle and a meticulously maintained 2013 built villa in the beautiful Reflection Lakes community, look no further! As you drive through you'll pass the beautiful clubhouse and amenities, a great value for the very reasonable HOA fee. Approaching the home note the stately royal palms lining the streets and tasteful appeal of the neighborhood. Once in the home you'll find a spic and span, well finished, tasteful interior and even better, one of the biggest outdoor living areas (lanai) of any villa in the community. Plenty of room for a grill, table & chairs, lounge, umbrella and your favorite potted plants. Enjoy the peaceful lake setting complete with gorgeous morning skies, wading birds and a well landscaped tropical feel. Current owners love to enjoy their morning coffee on the backyard bench overlooking the lake. An attractive attached villa like this gives you your own yard and privacy unlike a condo and also without the price of a comparable single home!

9. 2020-07-11
   listed $284,900 Active 1014-char remark

   Show marketing remark (1014 chars)

   For an entry to the Naples area lifestyle and a meticulously maintained 2013 built villa in the beautiful Reflection Lakes community, look no further! As you drive through you'll pass the beautiful clubhouse and amenities, a great value for the very reasonable HOA fee. Approaching the home note the stately royal palms lining the streets and tasteful appeal of the neighborhood. Once in the home you'll find a spic and span, well finished, tasteful interior and even better, one of the biggest outdoor living areas (lanai) of any villa in the community. Plenty of room for a grill, table & chairs, lounge, umbrella and your favorite potted plants. Enjoy the peaceful lake setting complete with gorgeous morning skies, wading birds and a well landscaped tropical feel. Current owners love to enjoy their morning coffee on the backyard bench overlooking the lake. An attractive attached villa like this gives you your own yard and privacy unlike a condo and also without the price of a comparable single home!

10. 2017-01-26
    price $280,000 831-char remark

    Show marketing remark (831 chars)

    * * * Please click on virtual tour link to view a virtual walk through of this property * * * STUNNING ATTACHED (2) BEDROOMS, DEN, AND (2) BATH VILLA OVERLOOKING THE LAKE WITH A BRICK PAVERED, EXTENDED LANAI! GRANITE COUNTER TOPS IN KITHEN WITH TILED BACKSPLASH AND STAINLESS STEEL APPLIANCES! CROWN MOLDING! GREAT ROOM CONCEPT! ADDITIONAL CABINETRY OR STORAGE IN LAUNDRY AREA! MASTER EN SUITE FEATURES A WALK-IN CLOSET, DUAL VANITIES, AND SHOWER WITH UPGRADED HARDWOOD LIKE TILE FLOORING! THE EXTENDED LANAI IS LINED WITH BRICK PAVERS, SCREENED, AND A PRIVACY WALL THAT OFFERS PRIVACY WITH A LAKE VIEW THAT OFFERS A SERENE SETTING! THIS ONE SHOWS EXCEPTIONALLY WELL! EASY ACCESS TO EVERYTHING, REFLECTION LAKES DOES NOT HAVE A CDD, HOWEVER, HAS STATE-OF-THE-ART FACILITIES THAT OFFERS SOMETHING TO JUST ABOUT EVERYONE!

11. 2017-01-20
    soldstatus $280,000
12. 2017-01-17
    price $285,000 831-char remark

    Show marketing remark (831 chars)

    * * * Please click on virtual tour link to view a virtual walk through of this property * * * STUNNING ATTACHED (2) BEDROOMS, DEN, AND (2) BATH VILLA OVERLOOKING THE LAKE WITH A BRICK PAVERED, EXTENDED LANAI! GRANITE COUNTER TOPS IN KITHEN WITH TILED BACKSPLASH AND STAINLESS STEEL APPLIANCES! CROWN MOLDING! GREAT ROOM CONCEPT! ADDITIONAL CABINETRY OR STORAGE IN LAUNDRY AREA! MASTER EN SUITE FEATURES A WALK-IN CLOSET, DUAL VANITIES, AND SHOWER WITH UPGRADED HARDWOOD LIKE TILE FLOORING! THE EXTENDED LANAI IS LINED WITH BRICK PAVERS, SCREENED, AND A PRIVACY WALL THAT OFFERS PRIVACY WITH A LAKE VIEW THAT OFFERS A SERENE SETTING! THIS ONE SHOWS EXCEPTIONALLY WELL! EASY ACCESS TO EVERYTHING, REFLECTION LAKES DOES NOT HAVE A CDD, HOWEVER, HAS STATE-OF-THE-ART FACILITIES THAT OFFERS SOMETHING TO JUST ABOUT EVERYONE!

13. 2017-01-17
    soldstatus $280,000 Sold 831-char remark

    Show marketing remark (831 chars)

    * * * Please click on virtual tour link to view a virtual walk through of this property * * * STUNNING ATTACHED (2) BEDROOMS, DEN, AND (2) BATH VILLA OVERLOOKING THE LAKE WITH A BRICK PAVERED, EXTENDED LANAI! GRANITE COUNTER TOPS IN KITHEN WITH TILED BACKSPLASH AND STAINLESS STEEL APPLIANCES! CROWN MOLDING! GREAT ROOM CONCEPT! ADDITIONAL CABINETRY OR STORAGE IN LAUNDRY AREA! MASTER EN SUITE FEATURES A WALK-IN CLOSET, DUAL VANITIES, AND SHOWER WITH UPGRADED HARDWOOD LIKE TILE FLOORING! THE EXTENDED LANAI IS LINED WITH BRICK PAVERS, SCREENED, AND A PRIVACY WALL THAT OFFERS PRIVACY WITH A LAKE VIEW THAT OFFERS A SERENE SETTING! THIS ONE SHOWS EXCEPTIONALLY WELL! EASY ACCESS TO EVERYTHING, REFLECTION LAKES DOES NOT HAVE A CDD, HOWEVER, HAS STATE-OF-THE-ART FACILITIES THAT OFFERS SOMETHING TO JUST ABOUT EVERYONE!

14. 2016-12-20
    status Pending With Contingencies 831-char remark

    Show marketing remark (831 chars)

    * * * Please click on virtual tour link to view a virtual walk through of this property * * * STUNNING ATTACHED (2) BEDROOMS, DEN, AND (2) BATH VILLA OVERLOOKING THE LAKE WITH A BRICK PAVERED, EXTENDED LANAI! GRANITE COUNTER TOPS IN KITHEN WITH TILED BACKSPLASH AND STAINLESS STEEL APPLIANCES! CROWN MOLDING! GREAT ROOM CONCEPT! ADDITIONAL CABINETRY OR STORAGE IN LAUNDRY AREA! MASTER EN SUITE FEATURES A WALK-IN CLOSET, DUAL VANITIES, AND SHOWER WITH UPGRADED HARDWOOD LIKE TILE FLOORING! THE EXTENDED LANAI IS LINED WITH BRICK PAVERS, SCREENED, AND A PRIVACY WALL THAT OFFERS PRIVACY WITH A LAKE VIEW THAT OFFERS A SERENE SETTING! THIS ONE SHOWS EXCEPTIONALLY WELL! EASY ACCESS TO EVERYTHING, REFLECTION LAKES DOES NOT HAVE A CDD, HOWEVER, HAS STATE-OF-THE-ART FACILITIES THAT OFFERS SOMETHING TO JUST ABOUT EVERYONE!

15. 2016-12-16
    listed $285,000 Active 831-char remark

    Show marketing remark (831 chars)

    * * * Please click on virtual tour link to view a virtual walk through of this property * * * STUNNING ATTACHED (2) BEDROOMS, DEN, AND (2) BATH VILLA OVERLOOKING THE LAKE WITH A BRICK PAVERED, EXTENDED LANAI! GRANITE COUNTER TOPS IN KITHEN WITH TILED BACKSPLASH AND STAINLESS STEEL APPLIANCES! CROWN MOLDING! GREAT ROOM CONCEPT! ADDITIONAL CABINETRY OR STORAGE IN LAUNDRY AREA! MASTER EN SUITE FEATURES A WALK-IN CLOSET, DUAL VANITIES, AND SHOWER WITH UPGRADED HARDWOOD LIKE TILE FLOORING! THE EXTENDED LANAI IS LINED WITH BRICK PAVERS, SCREENED, AND A PRIVACY WALL THAT OFFERS PRIVACY WITH A LAKE VIEW THAT OFFERS A SERENE SETTING! THIS ONE SHOWS EXCEPTIONALLY WELL! EASY ACCESS TO EVERYTHING, REFLECTION LAKES DOES NOT HAVE A CDD, HOWEVER, HAS STATE-OF-THE-ART FACILITIES THAT OFFERS SOMETHING TO JUST ABOUT EVERYONE!

16. 2013-05-17
    soldstatus $587,326
17. 2007-04-23
    soldstatus $2,116,950

ⓘ 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: $3,779 · $315/mo
• Projected year-2 tax: $3,779 · $315/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 6/10 Major FEMA zone X (shaded) · 71% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 30 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $71,583
• − Mortgage interest: −$22,406
• − Property taxes: −$3,779
• − Insurance: −$2,000
• − Repairs & maintenance: −$5,727
• − Management: −$5,727
• − HOA: −$4,056
• − Depreciation: −$11,636
• Taxable income: $16,251
• Est. tax owed @ 24.0%: −$3,900
• After-tax cash flow: $17,643/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 — Winding Cypress

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

Census & demographics

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

Population outlook (Collier County) Hauer SSP2

• Today (2025): 420,858 people
• By 2030: 450,054 · +6.9%
• By 2040: 502,232 · +19.3%
• By 2050: 544,932 · +29.5%
• By 2075: 627,203 · +49.0%
• By 2100: 659,015 · +56.6%

Race, ethnicity, and origin ACS 2023

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

Political lean MEDSL · Collier

• 2024 margin: Solid R (+33.1) · D 33.1% · R 66.2%
• 2008→2024 swing: -10.6pp toward R · 2008: -22.5pp · 2024: -33.1pp
• All cycles: 2024: R+33.1 2020: R+24.7 2016: R+26.0 2012: R+30.1 2008: R+22.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.48%
• Current HPI: 266.5545
• Rent YoY: ▲ 3.21%
• Metro: Naples-Marco Island, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-81.1% since first listed

17 events — show timeline

• 2026-04-12 Pending — NAPLESMLS
• 2026-03-29 Listed $400,000 NAPLESMLS
• 2020-11-23 Sold (Public Records) $275,000 Public Records
• 2020-11-17 Sold (MLS) $275,000 NAPLESMLS
• 2020-10-13 Pending — NAPLESMLS
• 2020-09-21 Price Changed $279,900 NAPLESMLS
• 2020-08-19 Relisted — NAPLESMLS
• 2020-08-11 Pending — NAPLESMLS
• 2020-07-11 Listed $284,900 NAPLESMLS
• 2017-01-26 Price Changed $280,000 FORTMLS
• 2017-01-20 Sold (Public Records) $280,000 Public Records
• 2017-01-17 Sold (MLS) $280,000 FORTMLS
• 2017-01-17 Price Changed $285,000 FORTMLS
• 2016-12-20 Pending — FORTMLS
• 2016-12-16 Listed $285,000 FORTMLS
• 2013-05-17 Sold (Public Records) $587,326 Public Records
• 2007-04-23 Sold (Public Records) $2,116,950 Public Records

Property tax history

+6.2%/yr

Latest (2025): $3,779 · +7.5% YoY. Source: county tax records.