77 Emerald Woods Dr Unit I6 · Pine Ridge, FL 34108

$360,000

2 bd · 2.0 ba · 1,037 sqft · Condo public records · 56 Days on market

Built 1988 $717/mo HOA · 11% 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +5.0/10.0
• Rent growth +4.7/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Located in the highly sought after HIGH AND DRY Pine Ridge location is this RARELY available 1st floor condo in Emerald Woods. This is the only 2 bedroom 2 bath condo priced under $400,000 in the prestigious 34108 zip code. The location is unmatched as you will have the opportunity to enjoy the convenience of being less than 2 miles to Vanderbilt beach and within walking distance to Mercato. You’re also just a short bike ride to The Pavilion, Waterside shops, Galleria Shoppes, and dozens of options for fine dining. The condo is equipped with 2 lanais. One is screened and privately connected to the master suite which offers a secluded feel with views of mature tropical landscaping. The condo also includes an assigned carport, storage unit, and access to Emerald Wood’s resort style pool, hot tub, clubhouse, & lounge area for the private enjoyment of its residents. This condo is perfect for the year-round resident, part time resident, or savvy investor who is looking to capitalize on the rental demand.

Key facts

• Fully updated home
• Dual-lanai layout
• Private storage

Tags

• FULLY UPDATED HOME
• DUAL-LANAI LAYOUT
• PRIVATE SCREENED LANAI
• RESORT STYLE AMENITIES
• ASSIGNED CARPORT
• PRIVATE STORAGE

Property features AI

Finance

• Other: Part of a complex with 150 units and 12 units in this building; Single-floor unit (1 floor); Unit number I6, Lot unit 6, total area reported as 1,237
• Financial info: Condo fee listed as $2,152 (quarterly)
• HOA & community: Mandatory HOA; Quarterly condo fee; Professional management; Community amenities include pool, community room, spa/hot tub, extra storage, streetlights, and underground utilities; Maintenance covers cable, insurance, lawn/land maintenance, legal/accounting, manager, exterior pest control, reserves, security, sewer, street lights, street maintenance, trash removal, and water; Total annual recurring fees: $8,608; One-time fees: $150

Exterior

• Parking: Detached 1-car carport
• Security: Community has security included in maintenance
• Utilities: Central water; Central sewer; Cable available; Electric service (supports central systems)
• Home design: Residential, low-rise (1–3) traditional building; Concrete block construction; Stucco exterior; Shingle roof; Rear exposure faces north; Built in 1988; Located in the Pine Ridge development (Emerald Woods, Subdivision 280000)
• Construction: Concrete block construction; Stucco finish; Shingle roof; Built in 1988
• Exterior features: Courtyard; Automatic sprinkler system; Landscaped area/view; Zero lot line; No RV allowed (deeded restriction)

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Self-cleaning oven; Refrigerator/Freezer
• Bedrooms: 2 bedrooms
• Flooring: Tile; Vinyl
• Bathrooms: 2 full bathrooms; Master bath with dual sinks and shower
• Heating & cooling: Central electric heat; Central electric cooling; Ceiling fans; Whole house fan; Humidistat
• Interior features: Cable prewire and high-speed internet available; Smoke detectors; Window coverings; Walk-in closet; Split bedroom floor plan; Dining area with breakfast bar and dining/living space; Screened lanai/porch; Laundry in residence; Furnished
• Laundry & utility: Washer and dryer in unit

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $360k.

Deal economics

• At list price, monthly cash flow is $2k ($24k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($6k rent vs $360k).
• Recommended offer: $349k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.8% vs local median 3.4% in Pine Ridge — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 67/100 on livability (#565 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, cost of living A-; Watch: health & safety C-, schools F, amenities 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 (+8.7%/yr); 679 active listings in the ZIP; 40 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 $6,239/mo this rent would consume 63% of the median local household income ($119k/yr) (locally 237% 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 $2k of loan paydown is wiped out by about $11k 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 (-3.0% appreciation + 8.0% rent growth), your $101k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 56 days — a 3% lower offer ($349k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 16y 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→32/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $349,200 (3.0% below list)

Questions for the listing agent

1. It's been on market 56 days. Have you received any prior offers? Is the seller open to a 3% 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. 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?
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 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: 1.73% ✓
• Cap rate: 12.85%
• Cash-on-cash: 23.41%
• DSCR: 2.04
• GRM: 4.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 22.6%
• Equity multiple: 1.99×
• Total profit: $100,256
• Equity at exit: $53,677

10-year hold

• IRR: 34.0%
• Equity multiple: 4.97×
• Total profit: $400,198
• Equity at exit: $31,126

Cash invested: $100,800 (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 34108

• Rents YoY: 8.7%
• Active inventory: 679
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $6,239 high
• Mortgage (P&I): −$1,888
• Tax from tax record: −$208 /mo · $2,493/yr
• Insurance: −$150
• HOA: −$717
• Vacancy / Maint / Mgmt: −$1,310
• Net cashflow: $1,966

Break-even live

Break-even rent $3,750

Max offer price $360,000

Occupancy floor 63%

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: $90,000
• Closing costs: $10,800
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
800 Meadowland Dr Unit H Naples, FL	2.0	2.5	1432	$2,700	$1.89	13d	1	0.03mi
800 Meadowland Dr Unit N Naples, FL	2.0	2.5	1432	$5,500	$3.84	21d	1	0.03mi
790 Meadowland Dr Unit 29-2 Naples, FL	2.0	2.5	1432	$6,000	$4.19	13d	1	0.03mi
81 Emerald Woods Dr Unit M8 Naples, FL	2.0	2.0	1133	$4,200	$3.71	13d	1	0.08mi
81 Emerald Woods Dr Unit M8 Naples, FL	2.0	2.0	1133	$4,200	$3.71	23d	1	0.08mi
820 Meadowland Dr Unit D Naples, FL	2.0	2.5	1432	$5,500	$3.84	13d	1	0.11mi
65 Emerald Woods Dr Unit E8 Naples, FL	2.0	2.5	1360	$2,400	$1.76	23d	1	0.12mi
61 Emerald Woods Dr Unit D2 Naples, FL	2.0	2.5	1360	$3,200	$2.35	23d	1	0.12mi
833 Meadowland Dr Unit 14-3 Naples, FL	2.0	2.5	1360	$5,500	$4.04	13d	1	0.14mi
322 Sugar Pine Ln #322 Naples, FL	2.0	2.0	1311	$2,350	$1.79	23d	1	0.18mi
878 Meadowland Dr Unit G Naples, FL	2.0	2.0	1282	$2,500	$1.95	13d	1	0.24mi
878 Meadowland Dr Unit 4 Naples, FL	2.0	2.0	1459	$6,500	$4.46	13d	1	0.24mi
200 L Ambiance Cir #101 Naples, FL	2.0	2.0	1395	$8,500	$6.09	13d	1	0.34mi
400 L Ambiance Cir #104 Naples, FL	2.0	2.0	1349	$6,500	$4.82	13d	1	0.38mi
100 Lambiance Cir Unit 1-101 Naples, FL	2.0	2.0	1389	$8,800	$6.34	23d	1	0.39mi
500 Lambiance Cir Unit 5-104 Naples, FL	2.0	2.0	1349	$8,000	$5.93	23d	1	0.43mi
9115 Strada Pl Naples, FL	1.0–2.0	1.5–2.0	1489	$13,000	$8.73	23d	4	0.52mi
9123 Strada Pl Naples, FL	1.0–2.0	1.0–2.0	1267	$14,000	$11.05	13d	6	0.53mi
8415 Excalibur Cir Naples, FL	2.0–3.0	2.0	1522	$9,750	$6.40	23d	1	0.61mi
8405 Excalibur Cir Unit D3 Naples, FL	2.0	2.0	1382	$9,000	$6.51	23d	1	0.62mi
8385 Excalibur Cir Unit G3 Naples, FL	2.0	2.0	1382	$10,000	$7.24	23d	1	0.62mi
840 Gulf Pavilion Dr #103 Naples, FL	2.0	2.0	1179	$5,500	$4.66	23d	1	0.66mi
815 Gulf Pavilion Dr #203 Naples, FL	2.0	2.0	1179	$3,500	$2.97	23d	1	0.70mi
822 Gulf Pavilion Dr #202 Naples, FL	2.0	2.0	1275	$6,500	$5.10	23d	1	0.71mi
516 Gordonia Rd Naples, FL	2.0	1.0	1100	$3,200	$2.91	23d	1	0.72mi
7655 Pebble Creek Cir #302 Naples, FL	3.0	2.0	1450	$10,000	$6.90	23d	1	0.80mi
714 Reef Point Cir Naples, FL	2.0	2.0	1347	$8,500	$6.31	13d	1	0.81mi
6934 Rain Lily Ct #103 Naples, FL	2.0	2.0	1282	$5,200	$4.06	23d	1	0.81mi
6934 Rain Lily Ct #102 Naples, FL	2.0	2.0	1282	$4,500	$3.51	23d	1	0.81mi
719 Reef Point Cir #13 Naples, FL	2.0	2.0	1343	$8,000	$5.96	23d	1	0.82mi
749 91st Ave N Naples, FL	3.0	3.0	1417	$3,750	$2.65	13d	1	0.82mi
200 Cajeput Dr Naples, FL	1.0	1.0	750	$2,500	$3.33	23d	1	0.83mi
871 Tanbark Dr #102 Naples, FL	2.0	2.0	1203	$7,500	$6.23	23d	1	0.84mi
7654 Pebble Creek Cir #303 Naples, FL	3.0	2.0	1327	$12,000	$9.04	13d	1	0.84mi
859 Tanbark Dr Naples, FL	2.0	2.0	1252	$6,000	$4.79	21d	2	0.85mi
859 Tanbark Dr #205 Naples, FL	2.0	2.0	1203	$8,500	$7.07	13d	1	0.85mi
859 Tanbark Dr Naples, FL	2.0	2.0	1252	$5,875	$4.69	23d	3	0.85mi
845 Reef Point Cir Naples, FL	2.0	2.0	1359	$4,200	$3.09	23d	1	0.85mi
829 Reef Point Cir Unit 46 Naples, FL	2.0	2.0	1359	$7,500	$5.52	23d	1	0.85mi
853 Tanbark Dr Naples, FL	2.0	2.0	1331	$8,650	$6.50	23d	2	0.87mi

HOA detail condo

• Monthly dues: $717 · $8,604/yr
• Likely covers: waterlandscapingpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 43 events

1. 2026-06-18
   days on market $360,000 Active 56 DOM
2. 2026-06-17
   days on market $360,000 Active 55 DOM
3. 2026-06-16
   days on market $360,000 Active 54 DOM
4. 2026-06-15
   days on market $360,000 Active 53 DOM
5. 2026-06-14
   days on market $360,000 Active 51 DOM
6. 2026-06-10
   days on market $360,000 Active 48 DOM
7. 2026-06-09
   days on market $360,000 Active 47 DOM
8. 2026-06-08
   days on market $360,000 Active 46 DOM
9. 2026-06-07
   days on market $360,000 Active 45 DOM
10. 2026-06-03
    days on market $360,000 Active 41 DOM
11. 2026-06-02
    days on market $360,000 Active 40 DOM
12. 2026-06-01
    days on market $360,000 Active 39 DOM
13. 2026-05-31
    days on market $360,000 Active 38 DOM
14. 2026-05-30
    days on market $360,000 Active 37 DOM
15. 2026-04-23
    listed $360,000 Active
16. 2023-04-03
    soldstatus $375,000
17. 2023-03-31
    soldstatus $375,000 Sold 1031-char remark

    Show marketing remark (1031 chars)

    Located in the highly sought after HIGH AND DRY Pine Ridge location is this RARELY available 1st floor condo in Emerald Woods. This is the only 2 bedroom 2 bath condo priced under $400,000 in the prestigious 34108 zip code. The location is unmatched as you will have the opportunity to enjoy the convenience of being less than 2 miles to Vanderbilt beach and within walking distance to Mercato. You’re also just a short bike ride to The Pavilion, Waterside shops, Galleria Shoppes, and dozens of options for fine dining. The condo is equipped with 2 lanais. One is screened and privately connected to the master suite which offers a secluded feel with views of mature tropical landscaping. The condo also includes an assigned carport, storage unit, and access to Emerald Wood’s resort style pool, hot tub, clubhouse, & lounge area for the private enjoyment of its residents. This condo is perfect for the year-round resident, part time resident, or savvy investor who is looking to capitalize on the rental demand.

18. 2023-03-30
    status Pending 1031-char remark

    Show marketing remark (1031 chars)

    Located in the highly sought after HIGH AND DRY Pine Ridge location is this RARELY available 1st floor condo in Emerald Woods. This is the only 2 bedroom 2 bath condo priced under $400,000 in the prestigious 34108 zip code. The location is unmatched as you will have the opportunity to enjoy the convenience of being less than 2 miles to Vanderbilt beach and within walking distance to Mercato. You’re also just a short bike ride to The Pavilion, Waterside shops, Galleria Shoppes, and dozens of options for fine dining. The condo is equipped with 2 lanais. One is screened and privately connected to the master suite which offers a secluded feel with views of mature tropical landscaping. The condo also includes an assigned carport, storage unit, and access to Emerald Wood’s resort style pool, hot tub, clubhouse, & lounge area for the private enjoyment of its residents. This condo is perfect for the year-round resident, part time resident, or savvy investor who is looking to capitalize on the rental demand.

19. 2023-03-02
    status Pending With Contingencies 1031-char remark

    Show marketing remark (1031 chars)

    Located in the highly sought after HIGH AND DRY Pine Ridge location is this RARELY available 1st floor condo in Emerald Woods. This is the only 2 bedroom 2 bath condo priced under $400,000 in the prestigious 34108 zip code. The location is unmatched as you will have the opportunity to enjoy the convenience of being less than 2 miles to Vanderbilt beach and within walking distance to Mercato. You’re also just a short bike ride to The Pavilion, Waterside shops, Galleria Shoppes, and dozens of options for fine dining. The condo is equipped with 2 lanais. One is screened and privately connected to the master suite which offers a secluded feel with views of mature tropical landscaping. The condo also includes an assigned carport, storage unit, and access to Emerald Wood’s resort style pool, hot tub, clubhouse, & lounge area for the private enjoyment of its residents. This condo is perfect for the year-round resident, part time resident, or savvy investor who is looking to capitalize on the rental demand.

20. 2023-02-07
    price $389,999 1031-char remark

    Show marketing remark (1031 chars)

    Located in the highly sought after HIGH AND DRY Pine Ridge location is this RARELY available 1st floor condo in Emerald Woods. This is the only 2 bedroom 2 bath condo priced under $400,000 in the prestigious 34108 zip code. The location is unmatched as you will have the opportunity to enjoy the convenience of being less than 2 miles to Vanderbilt beach and within walking distance to Mercato. You’re also just a short bike ride to The Pavilion, Waterside shops, Galleria Shoppes, and dozens of options for fine dining. The condo is equipped with 2 lanais. One is screened and privately connected to the master suite which offers a secluded feel with views of mature tropical landscaping. The condo also includes an assigned carport, storage unit, and access to Emerald Wood’s resort style pool, hot tub, clubhouse, & lounge area for the private enjoyment of its residents. This condo is perfect for the year-round resident, part time resident, or savvy investor who is looking to capitalize on the rental demand.

21. 2022-12-03
    listed $394,999 Active 1031-char remark

    Show marketing remark (1031 chars)

    Located in the highly sought after HIGH AND DRY Pine Ridge location is this RARELY available 1st floor condo in Emerald Woods. This is the only 2 bedroom 2 bath condo priced under $400,000 in the prestigious 34108 zip code. The location is unmatched as you will have the opportunity to enjoy the convenience of being less than 2 miles to Vanderbilt beach and within walking distance to Mercato. You’re also just a short bike ride to The Pavilion, Waterside shops, Galleria Shoppes, and dozens of options for fine dining. The condo is equipped with 2 lanais. One is screened and privately connected to the master suite which offers a secluded feel with views of mature tropical landscaping. The condo also includes an assigned carport, storage unit, and access to Emerald Wood’s resort style pool, hot tub, clubhouse, & lounge area for the private enjoyment of its residents. This condo is perfect for the year-round resident, part time resident, or savvy investor who is looking to capitalize on the rental demand.

22. 2020-01-13
    soldstatus $179,000
23. 2020-01-10
    soldstatus $179,000 Sold 365-char remark

    Show marketing remark (365 chars)

    Wonderful opportunity to own this two bedroom, two bath condo nestled in this quaint community. This unit offers tile through out the main living area and newer carpet in the bedrooms. Newer appliances in kitchen. Two lanai's, one open and one screened. Newer A/C. Exceptional location, close to Vanderbilt Beach and Mercato. Start living the Naples Lifestyle now!!

24. 2019-11-08
    status Pending With Contingencies 365-char remark

    Show marketing remark (365 chars)

    Wonderful opportunity to own this two bedroom, two bath condo nestled in this quaint community. This unit offers tile through out the main living area and newer carpet in the bedrooms. Newer appliances in kitchen. Two lanai's, one open and one screened. Newer A/C. Exceptional location, close to Vanderbilt Beach and Mercato. Start living the Naples Lifestyle now!!

25. 2019-10-21
    price $184,900 365-char remark

    Show marketing remark (365 chars)

    Wonderful opportunity to own this two bedroom, two bath condo nestled in this quaint community. This unit offers tile through out the main living area and newer carpet in the bedrooms. Newer appliances in kitchen. Two lanai's, one open and one screened. Newer A/C. Exceptional location, close to Vanderbilt Beach and Mercato. Start living the Naples Lifestyle now!!

26. 2019-10-21
    status Active 365-char remark

    Show marketing remark (365 chars)

    Wonderful opportunity to own this two bedroom, two bath condo nestled in this quaint community. This unit offers tile through out the main living area and newer carpet in the bedrooms. Newer appliances in kitchen. Two lanai's, one open and one screened. Newer A/C. Exceptional location, close to Vanderbilt Beach and Mercato. Start living the Naples Lifestyle now!!

27. 2019-04-15
    historical 365-char remark

    Show marketing remark (365 chars)

    Wonderful opportunity to own this two bedroom, two bath condo nestled in this quaint community. This unit offers tile through out the main living area and newer carpet in the bedrooms. Newer appliances in kitchen. Two lanai's, one open and one screened. Newer A/C. Exceptional location, close to Vanderbilt Beach and Mercato. Start living the Naples Lifestyle now!!

28. 2018-12-29
    listed $179,900 Active 365-char remark

    Show marketing remark (365 chars)

    Wonderful opportunity to own this two bedroom, two bath condo nestled in this quaint community. This unit offers tile through out the main living area and newer carpet in the bedrooms. Newer appliances in kitchen. Two lanai's, one open and one screened. Newer A/C. Exceptional location, close to Vanderbilt Beach and Mercato. Start living the Naples Lifestyle now!!

29. 2018-12-04
    historical
30. 2018-06-05
    listed $187,500 Active
31. 2017-11-24
    historical
32. 2017-08-19
    price $189,900
33. 2017-07-07
    price $194,900
34. 2017-05-25
    listed $199,900 Active
35. 2016-11-12
    historical
36. 2016-08-07
    listed $199,900 Active
37. 2014-07-02
    soldstatus $155,000
38. 2014-07-01
    soldstatus $155,000
39. 2014-07-01
    price $169,500
40. 2014-04-09
    listed $155,000
41. 2010-06-11
    soldstatus $110,000
42. 2010-06-10
    soldstatus $110,000
43. 2010-04-26
    listed $115,000

ⓘ 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: $2,493 · $208/mo
• Projected year-2 tax: $2,988 · $249/mo
• Expected delta: +$495/yr (+$41/mo · 19.9%)

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

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 12% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 32 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: $74,869
• − Mortgage interest: −$20,166
• − Property taxes: −$2,493
• − Insurance: −$1,800
• − Repairs & maintenance: −$5,990
• − Management: −$5,990
• − HOA: −$8,604
• − Depreciation: −$10,473
• Taxable income: $19,355
• Est. tax owed @ 24.0%: −$4,645
• After-tax cash flow: $18,950/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 — Pine Ridge

• Score: 67/100
• State rank: #565
• US rank: #10798

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pine Ridge, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 16,237
• Household income: $119,212
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 237.0

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 8% Two or more races 7% Asian 1% Black 1%
• Hispanic origin (detail): Mexican 2% Cuban 3%
• Common ancestry: Romanian 5% Lithuanian 3% Slovak 3%
• Foreign-born: 16% · Canada, Dominican Republic, South Korea
• Languages at home: 86% English-only · Spanish 6% Russian/Polish/Slavic 2% 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: ▼ -587.97%
• Current HPI: 275.1872
• Rent YoY: ▲ 8.74%
• 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

+213.0% since first listed

29 events — show timeline

• 2026-04-23 Listed $360,000 NAPLESMLS
• 2023-04-03 Sold (Public Records) $375,000 Public Records
• 2023-03-31 Sold (MLS) $375,000 NAPLESMLS
• 2023-03-30 Pending — NAPLESMLS
• 2023-03-02 Pending — NAPLESMLS
• 2023-02-07 Price Changed $389,999 NAPLESMLS
• 2022-12-03 Listed $394,999 NAPLESMLS
• 2020-01-13 Sold (Public Records) $179,000 Public Records
• 2020-01-10 Sold (MLS) $179,000 NAPLESMLS
• 2019-11-08 Pending — NAPLESMLS
• 2019-10-21 Price Changed $184,900 NAPLESMLS
• 2019-10-21 Relisted — NAPLESMLS
• 2019-04-15 Listing Removed — NAPLESMLS
• 2018-12-29 Listed $179,900 NAPLESMLS
• 2018-12-04 Listing Removed — NAPLESMLS
• 2018-06-05 Listed $187,500 NAPLESMLS
• 2017-11-24 Listing Removed — NAPLESMLS
• 2017-08-19 Price Changed $189,900 NAPLESMLS
• 2017-07-07 Price Changed $194,900 NAPLESMLS
• 2017-05-25 Listed $199,900 NAPLESMLS
• 2016-11-12 Listing Removed — NAPLESMLS
• 2016-08-07 Listed $199,900 NAPLESMLS
• 2014-07-02 Sold (Public Records) $155,000 Public Records
• 2014-07-01 Price Changed $169,500 NAPLESMLS
• 2014-07-01 Sold (MLS) $155,000 NAPLESMLS
• 2014-04-09 Listed $155,000 NAPLESMLS
• 2010-06-11 Sold (Public Records) $110,000 Public Records
• 2010-06-10 Sold (MLS) $110,000 NAPLESMLS
• 2010-04-26 Listed $115,000 NAPLESMLS

Property tax history

+7.6%/yr

Latest (2025): $2,493 · -4.4% YoY. Source: county tax records.