6377 Liberty St · Ave Maria, FL 34142

$415,000

3 bd · 2.0 ba · 2,112 sqft · SingleFamily public records · 63 Days on market

Built 2014 4,791 sqft lot $489/mo HOA · 10% of rent ↓ 14% since listing

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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 +22.5/30.0
• ARV discount +7.5/15.0
• DSCR +7.2/10.0
• 1% rule +7.1/10.0
• Schools +5.0/10.0
• Appreciation +4.5/10.0
• Rent growth +3.2/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Gorgeous view of the Panther Run Golf Club's 10th hole and side view of large lake! This Martin Ray Model offers a sprawling layout w/ great room design, gourmet kitchen w/ butler pantry, tile flooring in main living area, picture windows, custom window systems, split bedroom floor plan, screened front entry, huge master suite, dining area & breakfast bar, den/home office w/ French door entry, laundry room w/ cabinetry & utility sink, attached 2-car garage w/ a 4ft extension, and screened rear lanai w/ enough room for lounging area & dining set. Recent updates include- freshly painted interior, new appliances (except for the dishwasher), new carpet in the master bedroom, a

Key facts

• View of large lake
• Picture windows
• Gourmet kitchen

Tags

• VIEW OF PANTHER RUN GOLF CLUB
• VIEW OF LARGE LAKE
• GOURMET KITCHEN
• BUTLER PANTRY
• TILE FLOORING
• PICTURE WINDOWS

Property features AI

Finance

• Financial info: Pets allowed with conditions (contact for details)
• HOA & community: Homeowners association (quarterly fees); Association fee includes cable TV and grounds maintenance; Community amenities: clubhouse, fitness center, pool, spa/hot tub, tennis and pickleball courts, basketball court, bocce court, playground, dog park, golf course/putting greens, barbecue/picnic areas, sidewalks, trails, park, management, sidewalks, street lights

Exterior

• Parking: Attached 2-car garage; Driveway with paved parking; Garage door opener; Two covered parking spaces
• Security: Gated community with security gate; Smoke detectors
• Utilities: Public water; Public sewer; Cable available; High-speed internet available; Underground utilities; Irrigation using reclaimed water
• Home design: Single-story home; Tile roof; Block, concrete and stucco construction; Entry level: 1; Resale property; Faces southwest; Has a view
• Construction: Built with block, concrete and stucco; Tile roof
• Exterior features: Patio; Lanai/screened porch (16 x 11); Room for pool; Sprinkler/irrigation system; Shutters (electric and manual); Rectangular landscaped lot; Automatic sprinklers; Paved road access; Northeast exposure; Community pool

Interior

• Kitchen: Dryer; Dishwasher; Electric cooktop; Freezer; Disposal; Microwave; Range; Refrigerator; Self-cleaning oven
• Bedrooms: Master bedroom (16 x 18); Bedroom (10 x 13); Bedroom (14 x 14)
• Flooring: Carpet; Tile; Wood
• Bathrooms: 2 full bathrooms; Dual sinks in at least one bathroom; Separate shower(s)
• Heating & cooling: Central heating (electric); Central air conditioning (electric); Ceiling fans
• Interior features: Breakfast bar; Dual sinks; Entrance foyer; French doors/atrium doors; Kitchen island; Open living/dining area; Pantry; Shower-only bathroom with separate shower; Cable TV available; Walk-in pantry; Walk-in closet(s); Window treatments; High-speed internet available; Split bedrooms; Single hung and sliding windows
• Laundry & utility: Washer; Laundry tub; Utility room (7 x 8)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $415k.

Deal economics

• At list price, monthly cash flow is $700 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $415k).
• Recommended offer: $390k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — 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 (+3.0%/yr); 449 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $5,010/mo this rent would consume 96% of the median local household income ($62k/yr) (locally 1093% 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 (-1.1%/yr); year-one equity from $3k of loan paydown is wiped out by about $4k 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 (-1.1% appreciation + 3.0% rent growth), your $116k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 63 days — a 6% lower offer ($390k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $24k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $390,100 (6.0% below list)

Questions for the listing agent

1. It's been on market 63 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
6. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
7. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.21% ✓
• Cap rate: 8.32%
• Cash-on-cash: 7.22%
• DSCR: 1.32
• GRM: 6.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.05% appreciation · 2.95% rent growth · sell at horizon

5-year hold

• IRR: 2.4%
• Equity multiple: 1.11×
• Total profit: $12,466
• Equity at exit: $99,216

10-year hold

• IRR: 9.0%
• Equity multiple: 1.87×
• Total profit: $101,347
• Equity at exit: $103,369

Cash invested: $116,200 (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 34142

• Home prices YoY: -0.5%
• Rents YoY: 3.0%
• Active inventory: 449
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $5,010 high
• Mortgage (P&I): −$2,176
• Tax from tax record: −$420 /mo · $5,041/yr
• Insurance: −$173
• HOA: −$489
• Vacancy / Maint / Mgmt: −$1,052
• Net cashflow: $700

Break-even live

Break-even rent $4,124

Max offer price $415,000

Occupancy floor 81%

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: $103,750
• Closing costs: $12,450
• Reserves months: —
• Total cash needed: —

Rent comps 35 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6140 Victory Dr Ave Maria, FL	3.0	3.0	2496	$5,000	$2.00	23d	1	0.09mi
6421 Liberty St Ave Maria, FL	3.0	2.0	1922	$5,800	$3.02	23d	1	0.13mi
6441 Liberty St Ave Maria, FL	3.0	2.0	1685	$5,795	$3.44	23d	1	0.18mi
5988 Mayflower Way Ave Maria, FL	2.0	2.0	1602	$5,200	$3.25	23d	1	0.43mi
5935 Mayflower Way Ave Maria, FL	2.0	2.0	1460	$2,550	$1.75	23d	1	0.52mi
6168 Harmony Dr Immokalee, FL	3.0	2.0	1570	$5,495	$3.50	13d	1	0.71mi
5709 Constitution St Ave Maria, FL	2.0	2.0	1900	$2,400	$1.26	23d	1	0.72mi
5728 Mayflower Way Ave Maria, FL	3.0	3.0	2087	$2,650	$1.27	23d	1	0.74mi
5769 Mayflower Way Ave Maria, FL	2.0	2.0	1554	$4,000	$2.57	23d	1	0.75mi
6189 Harmony Dr Immokalee, FL	3.0	2.0	1558	$6,295	$4.04	23d	1	0.76mi
5939 Gala Dr Immokalee, FL	3.0	3.0	2300	$5,995	$2.61	23d	1	0.77mi
6205 Harmony Dr Immokalee, FL	3.0	2.0	1558	$5,000	$3.21	23d	1	0.78mi
5705 Mayflower Way #1407 Ave Maria, FL	2.0	2.0	1536	$2,250	$1.46	23d	1	0.81mi
5697 Mayflower Way Ave Maria, FL	2.0	2.0	1538	$2,495	$1.62	23d	1	0.89mi
5690 Mayflower Way #601 Ave Maria, FL	3.0	2.0	1815	$5,500	$3.03	23d	1	0.93mi
5690 Mayflower Way Ave Maria, FL	3.0	2.0	1815	$3,295	$1.82	23d	1	0.94mi
8010 Helena Ct Ave Maria, FL	2.0	2.0	1554	$2,500	$1.61	21d	1	1.13mi
6075 Artisan Ct Ave Maria, FL	3.0	3.0	2799	$11,995	$4.29	21d	1	1.16mi
6082 Artisan Ct Ave Maria, FL	3.0	3.0	2799	$11,995	$4.29	21d	1	1.21mi
6036 Ellerston WAY #1311 Ave Maria, FL	3.0	2.0	1741	$4,490	$2.58	23d	1	1.23mi
5704 Melbourne Ct #6712 Ave Maria, FL	3.0	2.0	1741	$7,295	$4.19	23d	1	1.23mi
6012 Ellerston WAY #1121 Ave Maria, FL	3.0	2.0	2110	$6,295	$2.98	23d	1	1.23mi
5445 Double Eagle Cir #3011 Ave Maria, FL	2.0	2.0	1569	$2,495	$1.59	23d	1	1.23mi
5710 Melbourne Ct #6511 Ave Maria, FL	3.0	2.0	1741	$7,295	$4.19	23d	1	1.23mi
6003 Diamonte Pl Ave Maria, FL	3.0	2.5	2395	$11,995	$5.01	23d	1	1.27mi
5309 Beckton Rd Ave Maria, FL	3.0	2.5	2051	$2,395	$1.17	23d	1	1.29mi
6023 Diamonte Pl Ave Maria, FL	3.0	3.0	2379	$4,995	$2.10	23d	1	1.32mi
5476 Katia Ct Ave Maria, FL	3.0	2.5	1983	$4,300	$2.17	23d	1	1.37mi
5909 Berwick Ln Ave Maria, FL	2.0	2.0	1850	$10,995	$5.94	23d	1	1.40mi
6023 Ellerston Way #1823 Ave Maria, FL	3.0	2.0	1695	$2,995	$1.77	23d	1	1.42mi
5538 Useppa Dr Ave Maria, FL	2.0	2.5	1850	$10,995	$5.94	23d	1	1.43mi
5937 Berwick Ln Ave Maria, FL	3.0	2.0	2061	$4,995	$2.42	23d	1	1.45mi
5435 Pikewood Ct Ave Maria, FL	2.0	2.5	1850	$3,695	$2.00	21d	1	1.46mi
5938 Berwick Ln Ave Maria, FL	3.0	3.0	2247	$10,995	$4.89	23d	1	1.48mi
5515 Whistling Straights Ct Ave Maria, FL	3.0	2.5	2419	$6,500	$2.69	21d	1	1.49mi

HOA detail

• Monthly dues: $489 · $5,868/yr

Listing history 22 events

1. 2026-06-18
   days on market $415,000 Active 63 DOM
2. 2026-06-17
   days on market $415,000 Active 62 DOM
3. 2026-06-16
   days on market $415,000 Active 61 DOM
4. 2026-06-15
   price $415,000 Active 60 DOM
5. 2026-06-15
   days on market $425,000 Active 60 DOM
6. 2026-06-14
   days on market $425,000 Active 58 DOM
7. 2026-06-10
   days on market $425,000 Active 55 DOM
8. 2026-06-09
   days on market $425,000 Active 54 DOM
9. 2026-06-08
   days on market $425,000 Active 53 DOM
10. 2026-06-07
    days on market $425,000 Active 52 DOM
11. 2026-06-03
    days on market $425,000 Active 48 DOM
12. 2026-06-02
    days on market $425,000 Active 47 DOM
13. 2026-06-01
    days on market $425,000 Active 46 DOM
14. 2026-05-31
    days on market $425,000 Active 45 DOM
15. 2026-05-30
    days on market $425,000 Active 44 DOM
16. 2026-05-14
    price $425,000
17. 2026-04-16
    listed $439,000 Active
18. 2026-03-31
    historical
19. 2026-01-29
    price $454,000
20. 2025-12-22
    listed $479,000 Active
21. 2025-11-19
    historical
22. 2025-08-20
    listed $494,900 Active

ⓘ 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: $5,041 · $420/mo
• Projected year-2 tax: $5,041 · $420/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥112°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $60,119
• − Mortgage interest: −$23,246
• − Property taxes: −$5,041
• − Insurance: −$2,075
• − Repairs & maintenance: −$4,810
• − Management: −$4,810
• − HOA: −$5,868
• − Depreciation: −$12,073
• Taxable income: $2,197
• Est. tax owed @ 24.0%: −$527
• After-tax cash flow: $7,867/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 — Ave Maria

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

Census & demographics

• Census place: Ave Maria, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 35,149
• Household income: $62,333
• Rent vs Own: 48.7% rent · 51.3% own
• Severe rent burden: 1093.0

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: Majority Hispanic (63%)
• Race & ethnicity: Hispanic / Latino 63% Two or more races 39% Black 19% White 16% Native American 7%
• Hispanic origin (detail): Mexican 43% Puerto Rican 3% Cuban 2% Dominican 1%
• Common ancestry: Hispanic 8% Slovak 1% Serbian 1%
• Foreign-born: 32% · Canada, Jamaica
• Languages at home: 34% English-only · Spanish 53% French/Haitian/Cajun 12%

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: ▼ -1.05%
• Current HPI: 226.9105
• Rent YoY: ▲ 2.95%
• 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

-14.1% since first listed

7 events — show timeline

• 2026-05-14 Price Changed $425,000 FORTMLS
• 2026-04-16 Listed $439,000 FORTMLS
• 2026-03-31 Listing Removed — NAPLESMLS
• 2026-01-29 Price Changed $454,000 NAPLESMLS
• 2025-12-22 Listed $479,000 NAPLESMLS
• 2025-11-19 Listing Removed — NAPLESMLS
• 2025-08-20 Listed $494,900 NAPLESMLS

Property tax history

+23.9%/yr

Latest (2025): $5,041 · +8.1% YoY. Source: county tax records.