3120 Guadalupe Dr · Punta Gorda, FL
Flood risk 9/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 28 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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
- DSCR +10.0/10.0
- 1% rule +9.2/10.0
- ARV discount +7.5/15.0
- Schools +5.8/10.0
- Condition / age +4.0/5.0
- Livability +3.8/5.0
- Rent growth +2.5/5.0
- Appreciation +0.0/10.0
$250,000
3120 Guadalupe Dr · Punta Gorda, FL 33950
3 bd · 2.0 ba · 2,304 sqft · SingleFamily
public records
· 135 Days on market
Built 1975
9,600 sqft lot
Garage
$109/sqft
· 55% below area
$31/mo HOA · 1% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Short Sale. SHORT SALE. Welcome to a home that brings space, function, and everyday Florida living together in all the right ways. This single-story residence offers 3 bedrooms, 2 bathrooms, and an impressive 2,304 square feet of heated living space, giving you the kind of room that instantly feels flexible, comfortable, and ready for whatever life looks like next. Step inside and the layout opens with generous living spaces designed for connection. The living room, family room, and dining area create an easy flow for entertaining, relaxing, hosting, or simply enjoying quiet evenings at home.
Key facts
- Attached garage
- Paved street access
- Bonus room
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $250k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $526 ($6k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $250k).
- Recommended offer: $220k (12.0% below list) — sets the bar for market timing.
- Cap rate 10.9% vs local median 3.4% in Punta Gorda — 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 76/100 on livability (#225 in FL, #3,567 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, health & safety A+, housing B; Watch: cost of living D+, amenities D-, commute F.
- 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); 1360 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 50d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
- At $3,548/mo this rent would consume 56% of the median local household income ($76k/yr) — 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 $8k 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 135 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
- 13 sale attempts since 21y ago; this cycle's ask has dropped $149k (37%) from the opening price — seller is motivated, your offer sets the floor, not the list.
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
$220,000
(12.0% below list)
Questions for the listing agent
- It's been on market 135 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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.
- 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.
- 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
- 1.42% ✓
- Cap rate
- 10.87%
- Cash-on-cash
- 16.34%
- DSCR
- 1.73
- GRM
- 5.9
CMA / ARV
- ARV (median comp)
- $551,712
- List price
- $250,000
- Delta
- -54.69%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1320 Appian Dr | 0.31mi | 3/3.0 | 2,367 (+3%) | 4mo | $725,000 | $306 | 74 |
| 1435 Raven Ct | 0.41mi | 3/2.5 | 2,361 (+2%) | 3mo | $1,100,000 | $466 | 73 |
| 3529 Whippoorwill Blvd | 0.67mi | 3/3.0 | 2,255 (-2%) | 2mo | $790,000 | $350 | 59 |
| 3001 Banyan Way | 0.34mi | 3/2.0 | 1,967 (-15%) | 2mo | $805,000 | $409 | 58 |
| 3360 Bal Harbor Blvd | 0.69mi | 4/2.0 (+1) | 2,215 (-4%) | 4mo | $866,000 | $391 | 53 |
| 1322 Monte Carlo Ct | 0.47mi | 3/3.0 | 2,050 (-11%) | 3mo | $1,020,000 | $498 | 53 |
| 1220 Spanish Cay Ln | 0.63mi | 3/3.0 | 2,511 (+9%) | 4mo | $1,172,000 | $467 | 48 |
| 3520 Oriole Dr | 0.68mi | 3/3.0 | 2,572 (+12%) | 2mo | $1,530,000 | $595 | 43 |
| 1780 Deborah Dr #27 | 0.71mi | 3/2.5 | 2,582 (+12%) | 2mo | $290,000 | $112 | 43 |
| 1418 Kinglet Dr | 0.71mi | 3/3.5 | 2,515 (+9%) | 3mo | $1,590,000 | $632 | 43 |
| 1362 Pine Siskin Dr | 0.73mi | 3/2.0 | 2,016 (-12%) | 3mo | $805,000 | $399 | 43 |
| 1359 Pine Siskin Dr | 0.74mi | 3/2.0 | 2,008 (-13%) | 4mo | $749,000 | $373 | 41 |
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
- -6.8%
- Equity multiple
- 0.76×
- Total profit
- $-16,987
- Equity at exit
- $37,276
10-year hold
- IRR
- -2.6%
- Equity multiple
- 0.85×
- Total profit
- $-10,213
- Equity at exit
- $21,615
Cash invested: $70,000 (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.
Balanced market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 66 active · 79 under contract
- Months of supply
- 5.9 mo (17%/mo absorbed)
- Median asking
- $705,000 ($333/sqft)
- Median days on market
- 81 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- -28.0% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 33950
- Home prices YoY
- -29.9%
- Rents YoY
- -0.1%
- Active inventory
- 1360
- Price-to-rent
- 5.9×
Monthly cashflow live
↻
- Estimated rent
- $3,548 high interval (Pro) →
- Mortgage (P&I)
- −$1,311
- Tax from tax record
- −$404 /mo · $4,845/yr
- Insurance
- −$104
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$31
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$745
- Net cashflow
- $526
Break-even live
Break-even rent
$2,882
Max offer price
$250,000
Occupancy floor
80%
Sensitivity live
| Price | -10% $668 | -5% $597 | +0% $526 | +5% $456 | +10% $385 |
|---|---|---|---|---|---|
| Rent | -10% $246 | -5% $386 | +0% $526 | +5% $667 | +10% $807 |
| Rate | -1.0pp $652 | -0.5pp $590 | base $526 | +0.5pp $462 | +1.0pp $396 |
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
- $62,500
- Closing costs
- $7,500
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1340 Rock Dove Ct #144 Punta Gorda, FL | 3.0 | 2.0 | 1813 | $1,850 | $1.02 | 162d | 1 | 0.21mi |
| 1340 Rock Dove Ct #144 Punta Gorda, FL | 3.0 | 2.0 | 1813 | $1,850 | $1.02 | 154d | 1 | 0.21mi |
| 910 Santa Brigida Ct Punta Gorda, FL | 3.0 | 2.0 | 1673 | $2,300 | $1.37 | 10d | 1 | 0.25mi |
| 3308 Purple Martin Dr Punta Gorda, FL | 3.0 | 2.0 | 1882 | $1,900 | $1.01 | 10d | 1 | 0.31mi |
| 732 Santa Margerita Ln Punta Gorda, FL | 3.0 | 2.0 | 2017 | $3,000 | $1.49 | 162d | 1 | 0.35mi |
| 3311 Purple Martin Dr #122 Punta Gorda, FL | 2.0 | 2.0 | 1800 | $3,800 | $2.11 | 51d | 1 | 0.36mi |
| 3311 Purple Martin Dr #122 Punta Gorda, FL | 3.0 | 2.0 | 1882 | $3,800 | $2.02 | 10d | 1 | 0.36mi |
| 3334 Purple Martin Dr Punta Gorda, FL | 2.0 | 2.0 | 1664 | $4,500 | $2.70 | 51d | 2 | 0.37mi |
| 1450 Appian Dr Punta Gorda, FL | 3.0 | 2.0 | 2033 | $2,600 | $1.28 | 10d | 1 | 0.38mi |
| 3334 Purple Martin Dr #211 Punta Gorda, FL | 2.0 | 2.0 | 1851 | $4,500 | $2.43 | 162d | 1 | 0.38mi |
| 2736 Magdalina Dr Punta Gorda, FL | 3.0 | 2.0 | 2004 | $5,000 | $2.50 | 162d | 1 | 0.38mi |
| 1344 Mediterranean Dr #123 Punta Gorda, FL | 3.0 | 2.0 | 1903 | $2,495 | $1.31 | 10d | 1 | 0.47mi |
| 2811 Poinciana Ct Punta Gorda, FL | 3.0 | 2.0 | 2154 | $2,300 | $1.07 | 154d | 1 | 0.55mi |
| 945 Bal Harbor Blvd Punta Gorda, FL | 3.0 | 2.0 | 2085 | $5,500 | $2.64 | 162d | 1 | 0.57mi |
| 1001 Mineo Dr Punta Gorda, FL | 3.0 | 2.0 | 1850 | $4,500 | $2.43 | 162d | 1 | 0.63mi |
| 418 Medici Ct Punta Gorda, FL | 3.0 | 2.0 | 2046 | $3,000 | $1.47 | 51d | 1 | 0.70mi |
| 1112 Muscovie Ct Punta Gorda, FL | 3.0 | 2.0 | 1867 | $4,300 | $2.30 | 10d | 1 | 0.73mi |
| 1980 Aqui Esta Dr Punta Gorda, FL | 3.0 | 2.0 | 1862 | $2,850 | $1.53 | 162d | 1 | 0.75mi |
| 423 Matares Dr Punta Gorda, FL | 2.0 | 2.0 | 1650 | $2,500 | $1.52 | 10d | 1 | 0.78mi |
| 2060 Via Seville Punta Gorda, FL | 3.0 | 2.0 | 1855 | $6,500 | $3.50 | 10d | 1 | 0.80mi |
| 450 Sorrento Ct Punta Gorda, FL | 3.0 | 2.0 | 1977 | $7,500 | $3.79 | 10d | 1 | 0.81mi |
| 470 Bal Harbor Blvd Punta Gorda, FL | 3.0 | 2.0 | 2213 | $5,000 | $2.26 | 162d | 1 | 0.82mi |
| 470 Bal Harbor Blvd Punta Gorda, FL | 3.0 | 2.0 | 2213 | $4,300 | $1.94 | 10d | 1 | 0.82mi |
| 3621 Whippoorwill Blvd Punta Gorda, FL | 4.0 | 2.5 | 2043 | $3,000 | $1.47 | 38d | 1 | 0.83mi |
| 240 W End Dr Punta Gorda, FL | 2.0–3.0 | 2.0 | 1446 | $1,700 | $1.18 | 20d | 2 | 0.85mi |
| 240 W End Dr #423 Punta Gorda, FL | 3.0 | 2.0 | 1586 | $1,700 | $1.07 | 50d | 1 | 0.86mi |
| 3320 Palm Dr Punta Gorda, FL | 3.0 | 2.0 | 1703 | $2,400 | $1.41 | 162d | 1 | 0.87mi |
| 255 W End Dr Punta Gorda, FL | 2.0–3.0 | 2.0 | 1559 | $3,500 | $2.24 | 9d | 3 | 0.90mi |
| 255 W End Dr Punta Gorda, FL | 2.0–3.0 | 2.0 | 1559 | $3,500 | $2.24 | 162d | 3 | 0.90mi |
| 276 Lewis Cir #112 Punta Gorda, FL | 3.0 | 2.5 | 2564 | $3,300 | $1.29 | 162d | 1 | 0.97mi |
| 1617 Sea Haven Dr #507 Punta Gorda, FL | 4.0 | 3.0 | 1867 | $6,500 | $3.48 | 10d | 1 | 0.99mi |
| 1620 Sea Haven Dr #401 Punta Gorda, FL | 4.0 | 3.0 | 1912 | $3,000 | $1.57 | 10d | 1 | 1.01mi |
| 290 Lewis Cir #131 Punta Gorda, FL | 3.0 | 2.0 | 1872 | $5,500 | $2.94 | 10d | 1 | 1.01mi |
| 290 Lewis Cir Unit Reservation spot 1 Punta Gorda, FL | 3.0 | 2.0 | 1872 | $5,500 | $2.94 | 37d | 1 | 1.01mi |
| 1477 Park Beach Cir Punta Gorda, FL | 2.0–3.0 | 2.0–3.0 | 1767 | $4,750 | $2.69 | 154d | 2 | 1.04mi |
| 1477 Park Beach Cir #33 Punta Gorda, FL | 3.0 | 3.0 | 2038 | $4,750 | $2.33 | 10d | 1 | 1.04mi |
| 1477 Park Beach Cir #1 Punta Gorda, FL | 3.0 | 3.0 | 2200 | $4,750 | $2.16 | 43d | 1 | 1.04mi |
| 1500 Park Beach Cir Punta Gorda, FL | 2.0–4.0 | 2.0 | 1494 | $3,548 | $2.37 | 154d | 2 | 1.05mi |
| 3727 Whippoorwill Ct Punta Gorda, FL | 3.0 | 2.0 | 1940 | $4,000 | $2.06 | 10d | 1 | 1.06mi |
| 191 Casa Ln Punta Gorda, FL | 3.0 | 2.0 | 1629 | $2,750 | $1.69 | 154d | 1 | 1.08mi |
Property features AI
Finance
- Other
- Pets not allowed
- Financial info
- Total monthly fees $31Total annual fees $372
- HOA & community
- HOA: Green Belt Association Sec 13Monthly HOA fee $31 (required)
Exterior
- Parking
- Attached garage with 2 garage spaces
- Utilities
- Public waterPublic sewerElectricity connectedSprinkler meterWater available
- Home design
- Single family residenceResidential propertyOne storyFaces westCompleted condition
- Construction
- Block constructionTile roofSlab foundationBuilt on 0.22 acre lot
- Exterior features
- Private mailboxLandscapedPaved lotFlood zone
Interior
- Kitchen
- DishwasherDisposalMicrowaveRangeRefrigerator
- Bedrooms
- 3 bedrooms
- Flooring
- Ceramic tile13 total rooms
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heating (electric)Central air conditioning
- Interior features
- Ceiling fansStone counters
- Laundry & utility
- Washer hookupDryer hookupLaundry room
Listing history 50 events
-
2026-11-08days on market $250,000 Active 135 DOM
-
2026-11-07days on market $250,000 Active 134 DOM
-
2026-11-06days on market $250,000 Active 133 DOM
-
2026-11-05days on market $250,000 Active 132 DOM
-
2026-11-04days on market $250,000 Active 131 DOM
-
2026-11-02days on market $250,000 Active 129 DOM
-
2026-11-01days on market $250,000 Active 128 DOM
-
2026-10-31days on market $250,000 Active 127 DOM
-
2026-10-29days on market $250,000 Active 125 DOM
-
2026-10-28days on market $250,000 Active 124 DOM
-
2026-10-27days on market $250,000 Active 123 DOM
-
2026-10-26days on market $250,000 Active 122 DOM
-
2026-10-25days on market $250,000 Active 121 DOM
-
2026-10-24days on market $250,000 Active 120 DOM
-
2026-10-23days on market $250,000 Active 119 DOM
-
2026-10-22days on market $250,000 Active 118 DOM
-
2026-10-21days on market $250,000 Active 117 DOM
-
2026-10-20days on market $250,000 Active 116 DOM
-
2026-10-19days on market $250,000 Active 115 DOM
-
2026-10-18days on market $250,000 Active 114 DOM
-
2026-10-17days on market $250,000 Active 113 DOM
-
2026-10-16days on market $250,000 Active 112 DOM
-
2026-10-15days on market $250,000 Active 111 DOM
-
2026-10-14days on market $250,000 Active 110 DOM
-
2026-10-13days on market $250,000 Active 109 DOM
-
2026-10-12days on market $250,000 Active 108 DOM
-
2026-10-11days on market $250,000 Active 107 DOM
-
2026-10-10days on market $250,000 Active 106 DOM
-
2026-10-09days on market $250,000 Active 105 DOM
-
2026-10-08days on market $250,000 Active 104 DOM
-
2026-10-07days on market $250,000 Active 103 DOM
-
2026-10-06days on market $250,000 Active 102 DOM
-
2026-10-05days on market $250,000 Active 101 DOM
-
2026-10-04days on market $250,000 Active 100 DOM
-
2026-10-03days on market $250,000 Active 99 DOM
-
2026-10-02days on market $250,000 Active 98 DOM
-
2026-10-01days on market $250,000 Active 97 DOM
-
2026-09-30days on market $250,000 Active 96 DOM
-
2026-09-29days on market $250,000 Active 95 DOM
-
2026-09-28days on market $250,000 Active 94 DOM
-
2026-09-27days on market $250,000 Active 93 DOM
-
2026-09-26days on market $250,000 Active 92 DOM
-
2026-09-25days on market $250,000 Active 91 DOM
-
2026-09-24days on market $250,000 Active 90 DOM
-
2026-09-24days on market $250,000 Active 89 DOM
-
2026-09-22days on market $250,000 Active 88 DOM
-
2026-09-21days on market $250,000 Active 87 DOM
-
2026-09-20days on market $250,000 Active 86 DOM
-
2026-09-19days on market $250,000 Active 85 DOM
-
2026-09-18days on market $250,000 Active 84 DOM
ⓘ 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
- $4,845 · $404/mo
- Projected year-2 tax
- $4,845 · $404/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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
- Wildfire 4/10 Moderate
- 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $42,576
- − Mortgage interest
- −$14,004
- − Property taxes
- −$4,845
- − Insurance
- −$6,368
- − Repairs & maintenance
- −$3,406
- − Management
- −$3,406
- − HOA
- −$372
- − Depreciation
- −$7,273
- Taxable income
- $2,902
combined federal + state — saved on this device
- Est. tax owed @ 24.0%
- −$696
- After-tax cash flow
- $5,621/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.
Condition & rehab AI · 10 photos
80/100
Cosmetic rehab
Est. rehab $11,520–$34,560 screening
This single-story home is in good condition with modern finishes and a well-maintained exterior. It offers a good balance of space and functionality, making it an attractive option for both buyers and renters.
Value-add opportunities
- Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics, making the home more attractive to potential buyers and renters. ↑
- Both Landscaping improvements — Enhancing the landscaping can improve the home's curb appeal and add value to the property. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
D
Composite school gradezoned avg 58/100
Zoned Schools
Elementary
Sallie Jones Elementary School
A
FL #230/2,144
Nat'l #2,202/41,679
Middle
Punta Gorda Middle School
C+
FL #209/571
Nat'l #2,873/14,009
High
Charlotte High School
D-
FL #228/667
Nat'l #6,809/17,239
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
B
Composite livability gradescore 76/100
Livability — Punta Gorda
- Score
- 76/100
- State rank
- #225
- US rank
- #3567
Category grades
Amenities D-
Commute F
Cost of living D+
Crime A+
Employment B-
Housing B
Health & safety A+
User ratings A
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Punta Gorda, FL
- County
- Charlotte County · 198,646 people
- City population
- 68,831
- Metro
- Punta Gorda, FL
- Population (ZIP)
- 24,955
- Household income
- $76,369
- Rent vs Own
- Severe rent burden
- 9% of renters
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%
- 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 |
|
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| Insurance | 2 | $17B |
|
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| Retail | 1 | $60B |
|
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| Technology Distribution | 1 | $58B |
|
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| Homebuilding | 1 | $35B |
|
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| Technology Manufacturing | 1 | $35B |
|
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Price history
+446.6% since first listed41 events — show timeline
- 2026-06-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2026-06-26 Listed $399,000 Stellar MLS as Distributed by MLS Grid
- 2026-05-06 Listed $419,000 Stellar MLS as Distributed by MLS Grid
- 2024-04-18 Rental Removed $2,700 Avail
- 2024-04-01 Price Changed $2,700 Avail
- 2024-03-22 Price Changed $2,600 Avail
- 2024-03-13 Price Changed $2,550 Avail
- 2024-03-06 Listed for Rent $2,850 Avail
- 2024-02-13 Rental Removed $2,900 Avail
- 2024-02-10 Price Changed $2,900 Avail
- 2024-01-23 Listed for Rent $3,000 Avail
- 2023-12-27 Rental Removed $3,000 Avail
- 2023-11-22 Price Changed $3,000 Avail
- 2023-11-17 Price Changed $3,200 Avail
- 2023-11-16 Price Changed $3,500 Avail
- 2023-11-14 Listed for Rent $3,700 Avail
- 2023-06-28 Price Changed $460,000 Stellar MLS as Distributed by MLS Grid
- 2023-06-12 Price Changed $480,000 Stellar MLS as Distributed by MLS Grid
- 2023-06-11 Relisted — Stellar MLS as Distributed by MLS Grid
- 2023-06-11 Price Changed $380,000 Stellar MLS as Distributed by MLS Grid
- 2023-03-21 Listed $499,900 Stellar MLS as Distributed by MLS Grid
- 2022-11-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2022-10-19 Price Changed $499,900 Stellar MLS as Distributed by MLS Grid
- 2022-10-08 Price Changed $530,000 Stellar MLS as Distributed by MLS Grid
- 2022-08-21 Listed $550,000 Stellar MLS as Distributed by MLS Grid
- 2022-04-28 Sold (Public Records) $355,000 Public Records
- 2022-04-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2022-04-20 Sold (MLS) $355,000 Stellar MLS as Distributed by MLS Grid
- 2022-03-18 Pending — Stellar MLS as Distributed by MLS Grid
- 2022-03-14 Price Changed $395,000 Stellar MLS as Distributed by MLS Grid
- 2022-03-09 Listed $450,000 Stellar MLS as Distributed by MLS Grid
- 2009-05-05 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2008-01-07 Listed $189,000 Stellar MLS as Distributed by MLS Grid
- 2006-05-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2006-05-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2006-02-08 Listed $269,000 Stellar MLS as Distributed by MLS Grid
- 2006-02-08 Listed $269,000 Stellar MLS as Distributed by MLS Grid
- 2006-02-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2005-12-15 Listed $315,000 Stellar MLS as Distributed by MLS Grid
- 2001-06-27 Sold (Public Records) $131,600 Public Records
- 1980-01-01 Sold (Public Records) $73,000 Public Records
Property tax history
+13.9%/yrLatest (2025): $4,845 · -8.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…