None · Naples Manor, FL 34113

$469,900

4 bd · 2.0 ba · 1,651 sqft · SingleFamily public records · 121 Days on market

Built 2000 8,276 sqft lot Est $492k · at est.

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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 +24.8/30.0
• ARV discount +9.5/15.0
• DSCR +8.1/10.0
• 1% rule +5.4/10.0
• Schools +5.0/10.0
• Rent growth +3.9/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This is a big 4 bedroom + den fully renovated! Beautiful home with high ceilings! Newer kitchen cabinets with granite countertops and new stainless steel appliances . Freshly painted inside and out, all newer light fixtures and fans. Large backyard with brick pavers and some fruit trees. This one will not last so bring your buyers.

Key facts

• Large backyard
• Granite countertops
• Brick pavers

Tags

• NEWER KITCHEN CABINETS
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• LARGE BACKYARD
• BRICK PAVERS
• FRUIT TREES

Property features AI

Finance

• Other: Located in the Naples Manor development; Lot is regular and approximately 0.19 acres; Total area listed as 1,840 (source: Property Appraiser Office); Single unit, single-floor building
• HOA & community: No HOA maintenance; No community amenities; Community type noted in remarks

Exterior

• Parking: Paved driveway; Attached garage with 1 garage space
• Utilities: Central water; Central sewer; Central electric heating; Central electric cooling; Cable available
• Home design: Single-family residential; One story; Rear exposure faces northeast; Entry level information not specified
• Construction: Concrete block construction; Built in 2000
• Exterior features: Fruit trees; Stucco exterior; Shingle roof; Storm protection details available in remarks; Windows details available in remarks; Paved road access; Preserve view

Interior

• Kitchen: Pantry; Microwave; Range; Refrigerator
• Bedrooms: 4 bedrooms plus a den
• Flooring: Laminate flooring; Tile flooring
• Bathrooms: 2 full bathrooms; Master bath details available in remarks
• Interior features: Split bedroom floor plan; Pantry; Dining area combined with living room; Den / study; Guest room; Unfurnished

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $470k.

Deal economics

• At list price, monthly cash flow is $574 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $470k).
• Recommended offer: $414k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 66/100 on livability (#615 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living B+; Watch: schools F, amenities F, commute 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.
• Market conditions: Rents rising fast (+5.6%/yr); 597 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; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $4,881/mo this rent would consume 72% of the median local household income ($82k/yr) (locally 954% 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 (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $14k 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.

Negotiation context

• It's been on market 121 days — a 12% lower offer ($414k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 17y ago; this cycle's ask has dropped $35k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $256k; list at $470k implies a 84% gain — meaningful room to come down on a strong offer.

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→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $413,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 121 days. Have you received any prior offers? Is the seller open to a 12% 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. 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: 1.04% ✓
• Cap rate: 8.85%
• Cash-on-cash: 9.13%
• DSCR: 1.41
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $491,998
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5309 Warren St	0.69mi	3/2.0 (-1)	1,451 (-12%)	9mo	$433,000	$298	35

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 · 5.59% rent growth · sell at horizon

5-year hold

• IRR: -5.3%
• Equity multiple: 0.80×
• Total profit: $-26,440
• Equity at exit: $70,064

10-year hold

• IRR: 7.3%
• Equity multiple: 1.61×
• Total profit: $80,903
• Equity at exit: $40,628

Cash invested: $131,572 (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 34113

• Rents YoY: 5.6%
• Active inventory: 597
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $4,881 medium
• Mortgage (P&I): −$2,464
• Tax from tax record: −$195 /mo · $2,344/yr
• Insurance: −$196
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,025
• Net cashflow: $574

Break-even live

Break-even rent $4,154

Max offer price $469,900

Occupancy floor 83%

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: $117,475
• Closing costs: $14,097
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5237 Jennings St Naples, FL	3.0	2.0	1971	$2,500	$1.27	23d	1	0.09mi
6065 Divot Ct Naples, FL	3.0	2.0	1738	$10,000	$5.75	23d	1	0.59mi
6101 Dogleg Dr Naples, FL	3.0	2.0	1694	$12,000	$7.08	23d	1	0.66mi
6105 Dogleg Dr Naples, FL	3.0	3.0	1945	$12,000	$6.17	23d	1	0.66mi
6088 Dogleg Dr Naples, FL	3.0	3.0	1965	$2,890	$1.47	23d	1	0.66mi
6155 Dogleg Dr Naples, FL	3.0	2.0	2043	$9,000	$4.41	23d	1	0.78mi
6155 Dogleg Dr Naples, FL	3.0	2.0	2043	$8,000	$3.92	13d	1	0.78mi
9498 Napoli Ln Unit 201 Naples, FL	3.0	2.0	2099	$12,000	$5.72	13d	1	0.79mi
8884 Mustang Island Cir Naples, FL	3.0	2.0	2000	$12,500	$6.25	21d	1	0.86mi
8888 Mustang Island Cir Naples, FL	3.0	2.5	2028	$10,000	$4.93	23d	1	0.87mi
9372 Vercelli Ct Naples, FL	4.0	2.0	2239	$13,000	$5.81	23d	1	0.87mi
9476 Napoli Ln Unit 202 Naples, FL	3.0	2.0	2099	$10,000	$4.76	13d	1	0.88mi
9114 Prima Way Unit 102 Naples, FL	3.0	2.0	1883	$10,000	$5.31	13d	1	0.93mi
9115 Napoli Ct #101 Naples, FL	3.0	2.0	1741	$9,500	$5.46	23d	1	0.95mi
9126 Napoli Ct Unit 101 Naples, FL	3.0	2.0	1883	$9,500	$5.05	13d	1	0.97mi
9107 Napoli Ct Unit 201 Naples, FL	3.0	2.0	2099	$3,500	$1.67	23d	1	0.98mi
6757 Bent Grass Dr Naples, FL	3.0	2.0	1719	$3,650	$2.12	23d	1	0.98mi
6753 Bent Grass Dr Naples, FL	3.0	3.0	1945	$8,000	$4.11	23d	1	0.99mi
494 Saint Andrews Blvd Naples, FL	3.0	2.0	1700	$2,800	$1.65	23d	1	0.99mi
8963 Appaloosa Ct Naples, FL	4.0	2.0	2023	$15,000	$7.41	23d	1	0.99mi
9512 Napoli Ln Unit 101 Naples, FL	3.0	2.0	1741	$10,000	$5.74	13d	1	0.99mi
326 Bradstrom Cir Unit 204F Naples, FL	3.0	2.0	1200	$3,500	$2.92	23d	1	1.00mi
6719 Crowned Eagle Ln Naples, FL	3.0	2.0	1745	$3,850	$2.21	23d	1	1.00mi
6737 Bent Grass Dr Naples, FL	3.0	2.0	1745	$12,000	$6.88	23d	1	1.01mi
6971 Amen Corner Ct Naples, FL	3.0	2.0	1749	$12,000	$6.86	23d	1	1.09mi
6605 Castlelawn Pl #34 Naples, FL	3.0	3.0	1985	$13,000	$6.55	23d	1	1.11mi
6215 Brunello Ln Naples, FL	3.0	3.0	2062	$15,000	$7.27	23d	1	1.12mi
9254 Veneto Pl Naples, FL	3.0	3.0	2035	$17,500	$8.60	23d	1	1.13mi
9234 Veneto Pl Naples, FL	3.0	3.0	2032	$21,500	$10.58	23d	1	1.15mi
255 Pine Valley Cir Naples, FL	3.0	1.5	1574	$3,500	$2.22	23d	1	1.15mi
8432 Indian Wells Way Naples, FL	3.0	2.0	1746	$3,495	$2.00	13d	1	1.18mi
6255 Brunello Ln Naples, FL	3.0	3.0	2046	$16,500	$8.06	23d	1	1.19mi
8468 Indian Wells Way Naples, FL	3.0	2.0	1704	$10,500	$6.16	23d	1	1.22mi
6513 Caldecott Dr Naples, FL	3.0	2.0	2125	$12,000	$5.65	23d	1	1.23mi
6815 Ascot Dr #102 Naples, FL	3.0	2.0	1632	$7,500	$4.60	23d	1	1.24mi
6809 Ascot Dr #201 Naples, FL	3.0	2.0	2040	$7,500	$3.68	23d	1	1.24mi
9419 Piacere Way Naples, FL	3.0	2.0	2073	$20,000	$9.65	23d	1	1.25mi
6557 Caldecott Dr Naples, FL	3.0	2.0	1975	$10,000	$5.06	23d	1	1.27mi
416 Bristle Cone Ln #9 Naples, FL	4.0	2.5	2060	$2,800	$1.36	23d	1	1.28mi
6597 Caldecott Dr Naples, FL	3.0	2.0	1975	$19,000	$9.62	23d	1	1.30mi

Listing history 25 events

1. 2026-06-18
   days on market $469,900 Active 121 DOM
2. 2026-06-17
   days on market $469,900 Active 120 DOM
3. 2026-06-16
   days on market $469,900 Active 119 DOM
4. 2026-06-15
   days on market $469,900 Active 118 DOM
5. 2026-06-14
   days on market $469,900 Active 116 DOM
6. 2026-06-10
   days on market $469,900 Active 113 DOM
7. 2026-06-09
   days on market $469,900 Active 112 DOM
8. 2026-06-08
   days on market $469,900 Active 111 DOM
9. 2026-06-07
   days on market $469,900 Active 110 DOM
10. 2026-06-03
    days on market $469,900 Active 106 DOM
11. 2026-06-02
    days on market $469,900 Active 105 DOM
12. 2026-06-01
    days on market $469,900 Active 104 DOM
13. 2026-05-31
    days on market $469,900 Active 103 DOM
14. 2026-05-30
    days on market $469,900 Active 102 DOM
15. 2026-04-14
    price $469,900
16. 2026-02-17
    listed $505,000 Active
17. 2016-07-07
    soldstatus $255,900
18. 2016-06-24
    soldstatus $255,900 Sold 333-char remark

    Show marketing remark (333 chars)

    This is a big 4 bedroom + den fully renovated! Beautiful home with high ceilings! Newer kitchen cabinets with granite countertops and new stainless steel appliances . Freshly painted inside and out, all newer light fixtures and fans. Large backyard with brick pavers and some fruit trees. This one will not last so bring your buyers.

19. 2016-05-24
    status Pending With Contingencies 333-char remark

    Show marketing remark (333 chars)

    This is a big 4 bedroom + den fully renovated! Beautiful home with high ceilings! Newer kitchen cabinets with granite countertops and new stainless steel appliances . Freshly painted inside and out, all newer light fixtures and fans. Large backyard with brick pavers and some fruit trees. This one will not last so bring your buyers.

20. 2016-05-18
    listed $255,900 Active 333-char remark

    Show marketing remark (333 chars)

    This is a big 4 bedroom + den fully renovated! Beautiful home with high ceilings! Newer kitchen cabinets with granite countertops and new stainless steel appliances . Freshly painted inside and out, all newer light fixtures and fans. Large backyard with brick pavers and some fruit trees. This one will not last so bring your buyers.

21. 2010-03-17
    soldstatus $116,500 281-char remark

    Show marketing remark (281 chars)

    BANK FORECLOSED - Won't last long - First qualified offer takes it! Like new home featuring new carpeting, new paint, interior and new landscaping. Being sold "AS IS" with full right of inspection. 0% down financing immediately available through seller. Se Habla Espanol.

22. 2009-12-11
    listed $119,900 281-char remark

    Show marketing remark (281 chars)

    BANK FORECLOSED - Won't last long - First qualified offer takes it! Like new home featuring new carpeting, new paint, interior and new landscaping. Being sold "AS IS" with full right of inspection. 0% down financing immediately available through seller. Se Habla Espanol.

23. 2005-11-01
    soldstatus $295,000
24. 2000-12-04
    soldstatus $103,000
25. 1998-12-01
    soldstatus $11,500

ⓘ 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: $2,344 · $195/mo
• Projected year-2 tax: $3,900 · $325/mo
• Expected delta: +$1,556/yr (+$130/mo · 66.4%)

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 98% chance over 30 yrs
• 🔥 Wildfire 3/10 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 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $58,571
• − Mortgage interest: −$26,322
• − Property taxes: −$2,344
• − Insurance: −$7,468
• − Repairs & maintenance: −$4,686
• − Management: −$4,686
• − Depreciation: −$13,670
• Taxable loss: −$604
• Est. tax savings @ 24.0%: +$145
• After-tax cash flow: $7,033/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 Manor

• Score: 66/100
• State rank: #615
• US rank: #11875

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Naples Manor, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 26,056
• Household income: $81,674
• Rent vs Own: 26.7% rent · 73.3% own
• Severe rent burden: 954.0

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: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 56% Hispanic / Latino 28% Black 12% Two or more races 11% Asian 2%
• Hispanic origin (detail): Mexican 17% Puerto Rican 3% Cuban 2%
• Common ancestry: Hispanic 10% Romanian 3% Lithuanian 2%
• Foreign-born: 26% · Canada, Jamaica, Vietnam
• Languages at home: 63% English-only · Spanish 24% French/Haitian/Cajun 9% 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: ▼ -194.86%
• Current HPI: 279.4232
• Rent YoY: ▲ 5.59%
• 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

+3986.1% since first listed

11 events — show timeline

• 2026-04-14 Price Changed $469,900 NAPLESMLS
• 2026-02-17 Listed $505,000 NAPLESMLS
• 2016-07-07 Sold (Public Records) $255,900 Public Records
• 2016-06-24 Sold (MLS) $255,900 NAPLESMLS
• 2016-05-24 Pending — NAPLESMLS
• 2016-05-18 Listed $255,900 NAPLESMLS
• 2010-03-17 Sold (MLS) $116,500 NAPLESMLS
• 2009-12-11 Listed $119,900 NAPLESMLS
• 2005-11-01 Sold (Public Records) $295,000 Public Records
• 2000-12-04 Sold (Public Records) $103,000 Public Records
• 1998-12-01 Sold (Public Records) $11,500 Public Records

Property tax history

+12.5%/yr

Latest (2025): $2,344 · +6.8% YoY. Source: county tax records.