2820 Marlin Pl · Charlotte Park, FL 33950

$325,000

3 bd · 2.0 ba · 1,840 sqft · SingleFamily public records · 210 Days on market

Built 1968 0.27 ac lot

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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 +25.7/30.0
• DSCR +8.6/10.0
• ARV discount +7.5/15.0
• 1% rule +5.7/10.0
• Schools +4.6/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

OVERSIZED CANAL LOT on a CUL-DE-SAC in SERENE CHARLOTTE PARK!!! This completely updated home sits on the Biscayne Canal with 138.2 FEETof CANAL FRONTAGE with a cement deck extending the water. Biscayne Canal leads to the Venice Canal which feeds into Alligator Creek and out to Charlotte Harbor and the Gulf beyond. This open floor plan radiates out from the newly remodelled kitchen on plank tiles with a butcher block island. No carpet to worry about as this home has stylish laminate and tile throughout. A 242 square foot Florida room is situated overlooking the spacious yard, decking and fenced dog run. This home is on city water. The hipped metal roof is from 2005. There is mature landscaping all round. This is a gorgeous home in beautiful neighborhood that will make wonderful social media pictures when showing you are the proud new owners. Historic Punta Gorda, Fisherman's village, golfing, fishing, beaches are all waiting for you! Make your appointment today.

Key facts

• Oversized canal lot
• Farmers sink
• Large master suite

Tags

• OVERSIZED CANAL LOT
• SALTWATER CANAL FRONTAGE
• NEWLY REMODELED KITCHEN
• GRANITE COUNTERTOPS
• FARMERS SINK
• LARGE MASTER SUITE

Property features AI

Finance

• Other: Lot size about 0.27 acres; Approximately 138 feet of saltwater canal frontage; Public records used for living area
• HOA & community: Pets allowed

Exterior

• Parking: Attached 2-car garage (approx. 25 x 20)
• Utilities: Public water; Septic tank; Electricity connected; High-speed internet / broadband available
• Home design: Single-family residence; One story; Faces east; Residential zoning (RSF5); Homesteaded
• Construction: Block and stucco construction; Metal roof; Slab foundation; Built area approximately 1,840 sq ft living area (2,522 sq ft total building area)
• Exterior features: Dog run; Rain gutters; Cul-de-sac lot; Fronts a saltwater canal with direct water access; Canal water view; Bridges (fixed) nearby; No-wake zone

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Open floorplan; 11 total rooms
• Laundry & utility: Laundry area in the garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $352 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $325k).
• Recommended offer: $286k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 4.3% in Charlotte Park — 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 66/100 on livability (#624 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
• Charlotte (suburban): math 54% / reading 54% proficiency, ranked #22 of 73 in FL (top 30%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Sallie Jones Elementary School (math 75% / reading 74%, grade A, #230 of 2,144 statewide, top 12%, 694 students, 47% FRL); Punta Gorda Middle School (math 54% / reading 52%, grade C+, #209 of 571 statewide, top 37%, 1,120 students, 41% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
• Market conditions: Rents soft (-0.1%/yr); 1004 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; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• At $3,471/mo this rent would consume 55% of the median local household income ($76k/yr) (locally 608% 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 $10k of value loss. Plan a longer hold.
• Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 210 days — a 12% lower offer ($286k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 6y ago; this cycle's ask has dropped $35k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $270k; 20% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $286,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 210 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
8. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
9. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
10. 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.
11. 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.
12. 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: 1.07% ✓
• Cap rate: 9.17%
• Cash-on-cash: 10.27%
• DSCR: 1.46
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $794,880
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2901 Palm Dr	0.50mi	3/2.0	1,889 (+3%)	2mo	$339,000	$179	71
1001 Mineo Dr	0.57mi	3/2.0	1,842 (+0%)	3mo	$578,000	$314	71
808 Lucia Dr	0.51mi	3/2.0	1,831 (-0%)	6mo	$710,000	$388	71
324 Tarpon Way	0.49mi	3/2.0	1,821 (-1%)	6mo	$385,000	$211	70
1316 Monte Carlo Ct	0.27mi	3/3.5	1,909 (+4%)	7mo	$795,000	$416	70
611 Via Tunis	0.60mi	3/2.0	1,839 (-0%)	4mo	$620,000	$337	68
808 Santa Margerita Ln	0.51mi	3/2.0	1,790 (-3%)	6mo	$473,000	$264	66
1112 Muscovie Ct	0.72mi	3/2.0	1,867 (+2%)	1mo	$531,000	$284	64
3115 Guadalupe Dr	0.35mi	3/2.0	1,926 (+5%)	15mo	$714,000	$371	63
917 Francesca Ct	0.46mi	3/2.0	2,112 (+15%)	7mo	$675,000	$320	48
1278 Pine Siskin Dr	0.72mi	3/2.5	2,010 (+9%)	10mo	$556,000	$277	40
3824 Colony Ct	0.69mi	3/3.0	2,052 (+12%)	7mo	$1,140,000	$556	39

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -12.6%
• Equity multiple: 0.56×
• Total profit: $-40,249
• Equity at exit: $48,459

10-year hold

• IRR: -9.3%
• Equity multiple: 0.51×
• Total profit: $-44,882
• Equity at exit: $28,100

Cash invested: $91,000 (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 33950

• Home prices YoY: -29.9%
• Rents YoY: -0.1%
• Active inventory: 1004
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $3,471 high
• Mortgage (P&I): −$1,704
• Tax from tax record: −$123 /mo · $1,477/yr
• Insurance: −$135
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$729
• Net cashflow: $352

Break-even live

Break-even rent $3,025

Max offer price $325,000

Occupancy floor 85%

Sensitivity live

Price	-10% $536	-5% $444	+0% $352	+5% $260	+10% $168
Rent	-10% $78	-5% $215	+0% $352	+5% $490	+10% $627
Rate	-1.0pp $516	-0.5pp $435	base $352	+0.5pp $268	+1.0pp $183

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: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2736 Magdalina Dr Punta Gorda, FL	3.0	2.0	2004	$5,000	$2.50	22d	1	0.08mi
3004 Banyan Way Punta Gorda, FL	3.0	2.0	1522	$3,390	$2.23	22d	1	0.12mi
2811 Poinciana Ct Punta Gorda, FL	3.0	2.0	2154	$2,300	$1.07	15d	1	0.22mi
1340 Rock Dove Ct #144 Punta Gorda, FL	3.0	2.0	1813	$1,850	$1.02	15d	1	0.38mi
1340 Rock Dove Ct #144 Punta Gorda, FL	3.0	2.0	1813	$1,850	$1.02	22d	1	0.38mi
323 Dolphin Pkwy Punta Gorda, FL	2.0	2.0	1272	$2,100	$1.65	22d	1	0.45mi
1431 Aqui Esta Dr #411 Punta Gorda, FL	3.0	2.0	1556	$2,000	$1.29	22d	1	0.50mi
732 Santa Margerita Ln Punta Gorda, FL	3.0	2.0	2017	$3,000	$1.49	22d	1	0.51mi
1001 Mineo Dr Punta Gorda, FL	3.0	2.0	1850	$4,500	$2.43	22d	1	0.54mi
255 W End Dr Punta Gorda, FL	2.0–3.0	2.0	1559	$3,500	$2.24	22d	3	0.57mi
240 W End Dr #611 Punta Gorda, FL	2.0	2.0	1306	$1,675	$1.28	22d	1	0.58mi
3228 Purple Martin Dr #125 Punta Gorda, FL	3.0	2.0	1501	$4,000	$2.66	22d	1	0.58mi
3228 Purple Martin Dr #125 Punta Gorda, FL	3.0	2.0	1501	$4,000	$2.66	15d	1	0.58mi
2926 Vasco St Unit 112 Punta Gorda, FL	3.0	2.0	1329	$2,250	$1.69	22d	1	0.61mi
3320 Palm Dr Punta Gorda, FL	3.0	2.0	1703	$2,400	$1.41	22d	1	0.63mi
3322 Purple Martin Dr #132 Punta Gorda, FL	2.0	2.0	1381	$1,650	$1.19	22d	1	0.67mi
3322 Purple Martin Dr Unit Reservation Spot 1 Punta Gorda, FL	2.0	2.0	1400	$3,800	$2.71	22d	1	0.67mi
601 Shreve St Punta Gorda, FL	2.0	2.0	1396	$3,500	$2.51	22d	3	0.68mi
3334 Purple Martin Dr #211 Punta Gorda, FL	2.0	2.0	1851	$4,500	$2.43	22d	1	0.68mi
316 Coldeway Dr #26 Punta Gorda, FL	2.0	2.0	1460	$1,500	$1.03	15d	1	0.84mi
945 Bal Harbor Blvd Punta Gorda, FL	3.0	2.0	2085	$5,500	$2.64	22d	1	0.87mi
423 Matares Dr Punta Gorda, FL	2.0	2.0	1650	$2,500	$1.52	22d	1	0.89mi
2000 Bal Harbor Blvd #9112 Punta Gorda, FL	3.0	2.0	1517	$1,900	$1.25	15d	1	0.92mi
4020 Palm Dr Punta Gorda, FL	2.0	2.0	1228	$2,300	$1.87	22d	1	0.94mi
2001 Bal Harbor Blvd #2412 Punta Gorda, FL	2.0	2.0	1367	$2,300	$1.68	15d	1	0.96mi
470 Bal Harbor Blvd Punta Gorda, FL	3.0	2.0	2213	$5,000	$2.26	22d	1	0.97mi
2002 Bal Harbor Blvd Punta Gorda, FL	3.0	2.0	1517	$2,700	$1.78	22d	1	0.97mi
501 Bal Harbor Blvd Punta Gorda, FL	3.0	2.0	1830	$2,850	$1.56	15d	1	0.98mi
219 Lewis Cir #112 Punta Gorda, FL	3.0	2.0	1377	$4,500	$3.27	22d	1	0.98mi
215 Lewis Cir #112 Punta Gorda, FL	2.0	2.0	1377	$4,500	$3.27	22d	1	0.99mi
215 Lewis Cir #111 Punta Gorda, FL	3.0	2.0	1377	$4,500	$3.27	22d	1	0.99mi
130 Breakers Ct #212 Punta Gorda, FL	2.0	2.0	1544	$4,000	$2.59	22d	1	1.02mi
450 Sorrento Ct Punta Gorda, FL	3.0	2.0	1977	$7,500	$3.79	15d	1	1.02mi
276 Lewis Cir #112 Punta Gorda, FL	3.0	2.5	2564	$3,300	$1.29	22d	1	1.03mi
290 Lewis Cir #131 Punta Gorda, FL	3.0	2.0	1872	$5,500	$2.94	22d	1	1.06mi
1477 Park Beach Cir Punta Gorda, FL	2.0–3.0	2.0–3.0	1767	$4,750	$2.69	15d	2	1.07mi
1477 Park Beach Cir Unit Reservation spot 1 Punta Gorda, FL	2.0	2.0	1334	$4,000	$3.00	22d	1	1.07mi
1980 Aqui Esta Dr Punta Gorda, FL	3.0	2.0	1862	$2,850	$1.53	22d	1	1.07mi
16 Freeman Ave Unit Reservation spot 2 Punta Gorda, FL	2.0	2.0	1375	$3,500	$2.55	22d	1	1.07mi
1500 Park Beach Cir Punta Gorda, FL	2.0–4.0	2.0	1494	$3,548	$2.37	15d	2	1.09mi

Listing history 42 events

1. 2026-06-22
   days on market $325,000 Active 210 DOM
2. 2026-06-18
   days on market $325,000 Active 207 DOM
3. 2026-06-17
   days on market $325,000 Active 206 DOM
4. 2026-06-16
   days on market $325,000 Active 205 DOM
5. 2026-06-15
   days on market $325,000 Active 204 DOM
6. 2026-06-14
   days on market $325,000 Active 202 DOM
7. 2026-06-13
   pricedays on market $325,000 Active 201 DOM
8. 2026-06-10
   days on market $327,000 Active 199 DOM
9. 2026-06-09
   days on market $327,000 Active 198 DOM
10. 2026-06-08
    days on market $327,000 Active 197 DOM
11. 2026-06-05
    days on market $327,000 Active 193 DOM
12. 2026-06-02
    days on market $327,000 Active 191 DOM
13. 2026-06-01
    days on market $327,000 Active 190 DOM
14. 2026-05-31
    days on market $327,000 Active 189 DOM
15. 2026-05-30
    pricedays on market $327,000 Active 188 DOM
16. 2026-05-19
    status Active
17. 2026-05-11
    status Pending
18. 2026-05-04
    price $330,000
19. 2026-01-12
    price $349,990
20. 2025-11-15
    listed $360,000 Active
21. 2021-03-15
    soldstatus $270,000
22. 2021-03-09
    soldstatus $270,000 Sold 975-char remark

    Show marketing remark (975 chars)

    OVERSIZED CANAL LOT on a CUL-DE-SAC in SERENE CHARLOTTE PARK!!! This completely updated home sits on the Biscayne Canal with 138.2 FEETof CANAL FRONTAGE with a cement deck extending the water. Biscayne Canal leads to the Venice Canal which feeds into Alligator Creek and out to Charlotte Harbor and the Gulf beyond. This open floor plan radiates out from the newly remodelled kitchen on plank tiles with a butcher block island. No carpet to worry about as this home has stylish laminate and tile throughout. A 242 square foot Florida room is situated overlooking the spacious yard, decking and fenced dog run. This home is on city water. The hipped metal roof is from 2005. There is mature landscaping all round. This is a gorgeous home in beautiful neighborhood that will make wonderful social media pictures when showing you are the proud new owners. Historic Punta Gorda, Fisherman's village, golfing, fishing, beaches are all waiting for you! Make your appointment today.

23. 2021-02-07
    status Pending 975-char remark

    Show marketing remark (975 chars)

    OVERSIZED CANAL LOT on a CUL-DE-SAC in SERENE CHARLOTTE PARK!!! This completely updated home sits on the Biscayne Canal with 138.2 FEETof CANAL FRONTAGE with a cement deck extending the water. Biscayne Canal leads to the Venice Canal which feeds into Alligator Creek and out to Charlotte Harbor and the Gulf beyond. This open floor plan radiates out from the newly remodelled kitchen on plank tiles with a butcher block island. No carpet to worry about as this home has stylish laminate and tile throughout. A 242 square foot Florida room is situated overlooking the spacious yard, decking and fenced dog run. This home is on city water. The hipped metal roof is from 2005. There is mature landscaping all round. This is a gorgeous home in beautiful neighborhood that will make wonderful social media pictures when showing you are the proud new owners. Historic Punta Gorda, Fisherman's village, golfing, fishing, beaches are all waiting for you! Make your appointment today.

24. 2021-02-06
    price $289,900 975-char remark

    Show marketing remark (975 chars)

    OVERSIZED CANAL LOT on a CUL-DE-SAC in SERENE CHARLOTTE PARK!!! This completely updated home sits on the Biscayne Canal with 138.2 FEETof CANAL FRONTAGE with a cement deck extending the water. Biscayne Canal leads to the Venice Canal which feeds into Alligator Creek and out to Charlotte Harbor and the Gulf beyond. This open floor plan radiates out from the newly remodelled kitchen on plank tiles with a butcher block island. No carpet to worry about as this home has stylish laminate and tile throughout. A 242 square foot Florida room is situated overlooking the spacious yard, decking and fenced dog run. This home is on city water. The hipped metal roof is from 2005. There is mature landscaping all round. This is a gorgeous home in beautiful neighborhood that will make wonderful social media pictures when showing you are the proud new owners. Historic Punta Gorda, Fisherman's village, golfing, fishing, beaches are all waiting for you! Make your appointment today.

25. 2021-02-06
    status Active 975-char remark

    Show marketing remark (975 chars)

    OVERSIZED CANAL LOT on a CUL-DE-SAC in SERENE CHARLOTTE PARK!!! This completely updated home sits on the Biscayne Canal with 138.2 FEETof CANAL FRONTAGE with a cement deck extending the water. Biscayne Canal leads to the Venice Canal which feeds into Alligator Creek and out to Charlotte Harbor and the Gulf beyond. This open floor plan radiates out from the newly remodelled kitchen on plank tiles with a butcher block island. No carpet to worry about as this home has stylish laminate and tile throughout. A 242 square foot Florida room is situated overlooking the spacious yard, decking and fenced dog run. This home is on city water. The hipped metal roof is from 2005. There is mature landscaping all round. This is a gorgeous home in beautiful neighborhood that will make wonderful social media pictures when showing you are the proud new owners. Historic Punta Gorda, Fisherman's village, golfing, fishing, beaches are all waiting for you! Make your appointment today.

26. 2021-01-25
    historical 975-char remark

    Show marketing remark (975 chars)

    OVERSIZED CANAL LOT on a CUL-DE-SAC in SERENE CHARLOTTE PARK!!! This completely updated home sits on the Biscayne Canal with 138.2 FEETof CANAL FRONTAGE with a cement deck extending the water. Biscayne Canal leads to the Venice Canal which feeds into Alligator Creek and out to Charlotte Harbor and the Gulf beyond. This open floor plan radiates out from the newly remodelled kitchen on plank tiles with a butcher block island. No carpet to worry about as this home has stylish laminate and tile throughout. A 242 square foot Florida room is situated overlooking the spacious yard, decking and fenced dog run. This home is on city water. The hipped metal roof is from 2005. There is mature landscaping all round. This is a gorgeous home in beautiful neighborhood that will make wonderful social media pictures when showing you are the proud new owners. Historic Punta Gorda, Fisherman's village, golfing, fishing, beaches are all waiting for you! Make your appointment today.

27. 2020-11-25
    listed $259,900 Active 975-char remark

    Show marketing remark (975 chars)

    OVERSIZED CANAL LOT on a CUL-DE-SAC in SERENE CHARLOTTE PARK!!! This completely updated home sits on the Biscayne Canal with 138.2 FEETof CANAL FRONTAGE with a cement deck extending the water. Biscayne Canal leads to the Venice Canal which feeds into Alligator Creek and out to Charlotte Harbor and the Gulf beyond. This open floor plan radiates out from the newly remodelled kitchen on plank tiles with a butcher block island. No carpet to worry about as this home has stylish laminate and tile throughout. A 242 square foot Florida room is situated overlooking the spacious yard, decking and fenced dog run. This home is on city water. The hipped metal roof is from 2005. There is mature landscaping all round. This is a gorgeous home in beautiful neighborhood that will make wonderful social media pictures when showing you are the proud new owners. Historic Punta Gorda, Fisherman's village, golfing, fishing, beaches are all waiting for you! Make your appointment today.

28. 2020-11-24
    historical
29. 2020-11-24
    price $279,000
30. 2020-11-23
    price $299,000
31. 2020-11-23
    status Active
32. 2020-10-12
    status Pending
33. 2020-10-03
    price $249,000
34. 2020-08-30
    price $249,900
35. 2020-08-19
    price $265,000
36. 2020-08-16
    status Active
37. 2020-08-13
    historical
38. 2020-07-31
    price $275,000
39. 2020-06-26
    listed $285,000 Active
40. 2020-02-04
    soldstatus $150,000
41. 1989-06-01
    soldstatus $78,500
42. 1988-09-01
    soldstatus $60,000

ⓘ 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: $1,477 · $123/mo
• Projected year-2 tax: $2,698 · $225/mo
• Expected delta: +$1,220/yr (+$102/mo · 82.6%)

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

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $41,648
• − Mortgage interest: −$18,205
• − Property taxes: −$1,477
• − Insurance: −$6,744
• − Repairs & maintenance: −$3,332
• − Management: −$3,332
• − Depreciation: −$9,455
• Taxable loss: −$896
• Est. tax savings @ 24.0%: +$215
• After-tax cash flow: $4,444/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: Charlotte
• NCES district ID: 1200240
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 54% ▼ -1.00%
• Median HH income: $44,864
• Composite: 45.62/100
• National rank: #2586
• State rank: #22 of 73 in FL

Livability — Charlotte Park

• Score: 66/100
• State rank: #624
• US rank: #12150

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Charlotte Park, FL
• County: Charlotte County · 196,994 people
• Metro: Punta Gorda, FL
• Population (ZIP): 24,955
• Household income: $76,369
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 608.0

Population outlook (Charlotte County) Hauer SSP2

• Today (2025): 198,646 people
• By 2030: 210,507 · +6.0%
• By 2040: 230,857 · +16.2%
• By 2050: 247,148 · +24.4%
• By 2075: 281,777 · +41.8%
• By 2100: 293,609 · +47.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Two or more races 5% Black 5% Hispanic / Latino 4% Asian 1%
• Common ancestry: Lithuanian 5% Romanian 4% Italian 2%
• Foreign-born: 7% · Canada
• Languages at home: 95% English-only · Spanish 3% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Charlotte

• 2024 margin: Solid R (+34.0) · D 32.7% · R 66.7%
• 2008→2024 swing: -26.7pp toward R · 2008: -7.2pp · 2024: -34.0pp
• All cycles: 2024: R+34.0 2020: R+26.6 2016: R+27.8 2012: R+14.3 2008: R+7.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -111.73%
• Current HPI: 261.6573
• Rent YoY: ▼ -0.06%
• Metro: Punta Gorda, 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

+450.0% since first listed

27 events — show timeline

• 2026-05-19 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-04 Price Changed $330,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-12 Price Changed $349,990 Stellar MLS as Distributed by MLS Grid
• 2025-11-15 Listed $360,000 Stellar MLS as Distributed by MLS Grid
• 2021-03-15 Sold (Public Records) $270,000 Public Records
• 2021-03-09 Sold (MLS) $270,000 Stellar MLS as Distributed by MLS Grid
• 2021-02-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-02-06 Price Changed $289,900 Stellar MLS as Distributed by MLS Grid
• 2021-02-06 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-01-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-11-25 Listed $259,900 Stellar MLS as Distributed by MLS Grid
• 2020-11-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-11-24 Price Changed $279,000 Stellar MLS as Distributed by MLS Grid
• 2020-11-23 Price Changed $299,000 Stellar MLS as Distributed by MLS Grid
• 2020-11-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-10-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-10-03 Price Changed $249,000 Stellar MLS as Distributed by MLS Grid
• 2020-08-30 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
• 2020-08-19 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
• 2020-08-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-08-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-07-31 Price Changed $275,000 Stellar MLS as Distributed by MLS Grid
• 2020-06-26 Listed $285,000 Stellar MLS as Distributed by MLS Grid
• 2020-02-04 Sold (Public Records) $150,000 Public Records
• 1989-06-01 Sold (Public Records) $78,500 Public Records
• 1988-09-01 Sold (Public Records) $60,000 Public Records

Property tax history

-1.0%/yr

Latest (2025): $1,477 · -75.1% YoY. Source: county tax records.