5062 Alonza Ave · Ave Maria, FL 34142

$510,000

3 bd · 2.5 ba · 2,244 sqft · SingleFamily public records · 77 Days on market

Built 2023 7,840 sqft lot $162/mo HOA · 4% of rent ↓ 22% since listing

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Why this score? — see what drove the D 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 +9.8/30.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• Appreciation +4.5/10.0
• 1% rule +3.4/10.0
• Rent growth +3.2/5.0
• DSCR +2.8/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

PROFESSIONAL Pictures coming soon. Welcome Home to Ave Maria Living in beautiful SW Florida. This home was built in 2023, is a 3 bedroom + den home and is situated in the Maple Ridge Community of Ave Maria. Porcelain tile floors in common areas. The home has plenty of room for indoor and outdoor entertaining. The home comes with a transferable membership to the Maple Ridge clubhouse and amenities and features a zero entry, resort style pool, a fitness/gym, community event rooms, sauna, pickleball court, outdoor exercise area, dog park, playground, and many public Ave Maria community activities. Some of the local Ave Maria amenities include: South and North Parks, a community water park, som

Key facts

• Fitness gym
• Dog park
• Pickleball court

Tags

• TRANSFERABLE MEMBERSHIP
• ZERO ENTRY POOL
• FITNESS GYM
• PICKLEBALL COURT
• DOG PARK
• COMMUNITY WATER PARK

Property features AI

Finance

• Other: No commercial and no RV restrictions
• Financial info: One-time other fee $250; One-time special assessment fee $160; Total annual recurring fees $1,952; Total one-time fees $710
• HOA & community: Mandatory HOA; HOA fee $94.55 monthly; Master HOA fee $203 quarterly; Master association managed by developer; HOA maintenance covers cable, manager, and street lights; Community is non-gated with amenities including clubhouse, community pool, exercise room, tennis and pickleball courts, golf course, dog park, playgrounds, bike/jog paths, sidewalks, BBQ/picnic areas, library, restaurant and shopping, and underground utilities

Exterior

• Parking: Attached 2-car garage; Paved driveway
• Security: Smoke detectors
• Utilities: Central water; Central sewer; Cable available
• Home design: Single-family home; One-story ranch; Rear exposure facing east; Located in the Ave Maria community (Maple Ridge subdivision)
• Construction: Concrete block construction; Built in 2023
• Exterior features: Automatic sprinkler system; Stucco exterior; Double-hung windows; Manual shutters; Tile roof

Interior

• Kitchen: Kitchen island; Pantry; Electric cooktop; Range; Microwave; Dishwasher; Disposal; Refrigerator/freezer
• Bedrooms: 3 bedrooms plus a den; Split bedroom floor plan
• Flooring: Tile flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom; Master bath with dual sinks and separate tub and shower
• Heating & cooling: Central electric heat; Central electric cooling
• Interior features: Cable prewire and high-speed internet available; Pantry; Smoke detectors; Walk-in closet; Den (study); Great room; Laundry in residence; Screened lanai/porch; Unfurnished
• Laundry & utility: Washer and dryer in residence; Auto garage door opener

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $510k.

Deal economics

• At list price, monthly cash flow is $-477 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $426k (16.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $427k (16.3% below list).
• Recommended offer: $426k (16.5% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — 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.
• Zoned schools: Estates Elementary School (math 70% / reading 67%, grade B+, #409 of 2,144 statewide, top 20%, 862 students, 53% FRL); Corkscrew Middle School (math 68% / reading 59%, grade B+, #109 of 571 statewide, top 19%, 958 students, 43% FRL); Palmetto Ridge High School (math 43% / reading 51%, grade D-, #207 of 667 statewide, top 32%, 2,347 students, 38% FRL).
• Market conditions: Rents rising (+3.0%/yr); 453 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); 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $4,266/mo this rent would consume 82% 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 $4k of loan paydown is wiped out by about $5k 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 77 days — a 6% lower offer ($479k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask is 20300% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: flood insurance adds $152/mo.
• Climate carrying-cost: in FEMA flood zone AH (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $425,752 (16.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 77 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.84% ✗
• Cap rate: 5.53%
• Cash-on-cash: -2.73%
• DSCR: 0.88
• GRM: 10.0

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: -11.4%
• Equity multiple: 0.51×
• Total profit: $-69,835
• Equity at exit: $121,928

10-year hold

• IRR: -4.6%
• Equity multiple: 0.58×
• Total profit: $-59,335
• Equity at exit: $127,031

Cash invested: $142,800 (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: 453
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $4,266 high
• Mortgage (P&I): −$2,674
• Tax from tax record: −$646 /mo · $7,756/yr
• Insurance: −$212
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$162
• Vacancy / Maint / Mgmt: −$896
• Net cashflow: $-477

Break-even live

Break-even rent $4,870

Max offer price $425,752

Occupancy floor —

Sensitivity live

Price	-10% $-188	-5% $-333	+0% $-477	+5% $-621	+10% $-766
Rent	-10% $-814	-5% $-645	+0% $-477	+5% $-308	+10% $-140
Rate	-1.0pp $-220	-0.5pp $-347	base $-477	+0.5pp $-609	+1.0pp $-744

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: $127,500
• Closing costs: $15,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5077 Gambero Way Ave Maria, FL	4.0	3.0	2256	$3,950	$1.75	25d	1	0.02mi
5065 Gambero Way Ave Maria, FL	4.0	3.0	2557	$3,250	$1.27	23d	1	0.04mi
5039 Frattina St Ave Maria, FL	3.0	3.0	2341	$5,995	$2.56	25d	1	0.11mi
5013 Florence Dr Ave Maria, FL	3.0	2.5	2256	$2,900	$1.29	25d	1	0.14mi
5089 Penella Ave Ave Maria, FL	3.0	2.5	2028	$2,300	$1.13	16d	1	0.24mi
5187 Nevola Ave Ave Maria, FL	3.0	2.5	1680	$2,700	$1.61	23d	1	0.26mi
5285 Marano Dr Ave Maria, FL	3.0	2.5	2256	$2,600	$1.15	25d	1	0.29mi
5114 Penella Ave Ave Maria, FL	4.0	3.0	2599	$3,195	$1.23	23d	1	0.31mi
5293 Marano Dr Ave Maria, FL	3.0	2.5	2256	$3,400	$1.51	23d	1	0.31mi
5376 Fancourt Links Way Ave Maria, FL	2.0	2.5	1850	$6,850	$3.70	23d	1	0.32mi
5414 Espada Ct Ave Maria, FL	3.0	3.0	2799	$10,995	$3.93	23d	1	0.35mi
5032 Arancia Ln Ave Maria, FL	3.0	2.0	1525	$2,595	$1.70	16d	1	0.35mi
4919 Frattina St Ave Maria, FL	4.0	3.0	2350	$3,300	$1.40	25d	1	0.36mi
5522 Hampton Links Ct Ave Maria, FL	2.0	2.5	1850	$3,995	$2.16	25d	1	0.37mi
4957 Gambero Way Unit 4957 Ave Maria, FL	4.0	3.0	1500	$3,400	$2.27	13d	1	0.38mi
5322 Nevola Ave Ave Maria, FL	3.0	3.0	1918	$2,700	$1.41	16d	1	0.39mi
5538 Hampton Links Ct Ave Maria, FL	3.0	3.0	2247	$6,295	$2.80	23d	1	0.41mi
4925 Gambero Way Ave Maria, FL	2.0	2.0	1525	$4,000	$2.62	25d	1	0.41mi
5545 Hampton Links Ct Ave Maria, FL	4.0	3.0	2247	$8,500	$3.78	25d	1	0.41mi
5545 Hampton Links Ct #5545 Ave Maria, FL	4.0	3.0	2400	$9,000	$3.75	25d	1	0.41mi
5120 Nevola Ave Ave Maria, FL	4.0	3.0	2273	$3,500	$1.54	13d	1	0.41mi
5412 Fancourt Links Way Ave Maria, FL	4.0	3.0	2247	$8,000	$3.56	23d	1	0.42mi
5104 Salerno St Ave Maria, FL	4.0	3.0	2341	$5,595	$2.39	25d	1	0.45mi
4881 Gambero Way Ave Maria, FL	3.0	2.5	2037	$2,800	$1.37	12d	1	0.47mi
5428 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$7,895	$3.51	23d	1	0.47mi
4843 Frattina St Ave Maria, FL	4.0	3.0	2588	$3,300	$1.28	25d	1	0.49mi
5444 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$3,995	$1.78	23d	1	0.51mi
5427 Double Eagle Cir #2826 Ave Maria, FL	2.0	2.0	1569	$6,495	$4.14	25d	1	0.51mi
5427 Double Eagle Cir #2815 Ave Maria, FL	2.0	2.0	1400	$2,700	$1.93	25d	1	0.51mi
5661 Melbourne Ct #8011 Ave Maria, FL	3.0	2.0	1741	$7,295	$4.19	13d	1	0.52mi
5445 Double Eagle Cir #3026 Ave Maria, FL	2.0	2.0	1569	$2,350	$1.50	23d	1	0.52mi
5667 Melbourne Ct #7812 Ave Maria, FL	3.0	2.0	1741	$6,250	$3.59	13d	1	0.53mi
5265 Messina St Ave Maria, FL	3.0	2.5	1929	$4,995	$2.59	25d	1	0.57mi
5674 Melbourne Ct Unit 7721 Ave Maria, FL	3.0	2.0	2110	$7,295	$3.46	13d	1	0.58mi
5680 Melbourne Ct #7521 Ave Maria, FL	3.0	2.0	2110	$2,650	$1.26	5d	1	0.59mi
5515 Whistling Straights Ct Ave Maria, FL	3.0	2.5	2419	$6,500	$2.69	23d	1	0.61mi
5435 Pikewood Ct Ave Maria, FL	2.0	2.5	1850	$3,695	$2.00	23d	1	0.62mi
5704 Melbourne Ct Ave Maria, FL	3.0	2.0	1741	$3,995	$2.29	25d	1	0.63mi
5374 Ferris Ave Ave Maria, FL	3.0	2.5	1933	$2,350	$1.22	25d	1	0.66mi
5478 Double Eagle Cir #3521 Ave Maria, FL	2.0	2.0	1569	$4,995	$3.18	25d	1	0.66mi

HOA detail

• Monthly dues: $162 · $1,944/yr
• Likely covers: waterpoolgym

Listing history 7 events

1. 2026-05-31
   days on market $510,000 Active 77 DOM
2. 2026-05-30
   days on market $510,000 Active 76 DOM
3. 2026-03-16
   listed $2,500
4. 2026-03-15
   listed $510,000 Active
5. 2023-11-07
   historical $3,050
6. 2023-09-21
   price $3,050
7. 2023-09-05
   listed $3,200

ⓘ 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: $7,756 · $646/mo
• Projected year-2 tax: $7,756 · $646/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 AH · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°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 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $51,197
• − Mortgage interest: −$28,568
• − Property taxes: −$7,756
• − Insurance: −$4,374
• − Repairs & maintenance: −$4,096
• − Management: −$4,096
• − HOA: −$1,944
• − Depreciation: −$14,836
• Taxable loss: −$14,473
• Est. tax savings @ 24.0%: +$3,474
• After-tax cash flow: $-2,249/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

-21.9% since first listed

5 events — show timeline

• 2026-03-16 Listed for Rent $2,500 NAPLESMLS
• 2026-03-15 Listed $510,000 NAPLESMLS
• 2023-11-07 Rental Removed $3,050 MARMLS
• 2023-09-21 Price Changed $3,050 MARMLS
• 2023-09-05 Listed for Rent $3,200 MARMLS

Property tax history

+61.6%/yr

Latest (2025): $7,756 · +3.9% YoY. Source: county tax records.