805 River Point Dr Unit 202C · Naples, 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 3/10 · 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
- 26 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
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 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 +21.3/30.0
- 1% rule +7.9/10.0
- ARV discount +7.5/15.0
- Appreciation +7.0/10.0
- DSCR +6.8/10.0
- Schools +5.0/10.0
- Rent growth +4.7/5.0
- Livability +4.0/5.0
- Condition / age +2.5/5.0
$419,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
Key facts
- Updated bath
- Walk-in closet
- Custom pantry
Tags
Property features AI
Finance
- Other: Part of a 96-unit complex (24 units in building); 2 units per floor; One-time fees reported
- HOA & community: Quarterly condo fee; Condo fee billed quarterly; Professional management; Maintenance covers cable, insurance, internet/Wi‑Fi, lawn/land maintenance, manager; Community amenities: BBQ/picnic area, common laundry, community pool, trash chute; Non-gated community; Total annual recurring fees reported
Exterior
- Parking: Covered deeded parking; Attached 1-car garage
- Utilities: Central water; Central sewer; Cable available
- Home design: Residential mid-rise (4–7 stories); Unit 202 (mid-building unit); Mid-rise building
- Construction: Concrete block construction; Built in 1985
- Exterior features: Stucco exterior; Built-up or flat roof; Impact resistant windows; Impact resistant doors; Zero lot line; Rear exposure to the east; Canal frontage with seawall and intersecting canal; Water views (basin, partial bay)
Interior
- Kitchen: Dishwasher; Microwave; Range; Refrigerator/Freezer
- Bedrooms: 2 bedrooms
- Flooring: Laminate; Tile
- Bathrooms: 1 full bathroom; No master bath
- Heating & cooling: Central electric heat; Central electric cooling
- Interior features: Pantry; Walk-in closet; Dining area (family); Common elevator; Furnished
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath condo listed at $420k.
Deal economics
- At list price, monthly cash flow is $192 ($2k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($5k rent vs $420k).
- Recommended offer: $370k (12.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 80/100 on livability (#126 in FL, #1,903 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, employment A+; Watch: commute D+, cost of living F.
- Market conditions: Rents rising fast (+8.8%/yr); 614 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 $5,426/mo this rent would consume 50% of the median local household income ($131k/yr) (locally 333% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- In year one you build about $20k of equity ($3k loan paydown + $17k appreciation (4.1% local appreciation)).
- Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (4.1% appreciation + 8.0% rent growth), your $118k cash investment doubles in ~4 years — after that, you're playing with house money.
- By year 2, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 411 days — a 12% lower offer ($370k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts; this cycle's ask has dropped $90k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $99k; list at $420k implies a 325% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 411 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- 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?
- 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?
- 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 B-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 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
- 1.29% ✓
- Cap rate
- 8.06%
- Cash-on-cash
- 6.31%
- DSCR
- 1.28
- GRM
- 6.4
CMA / ARV
No comps found within radius.
Projected returns pro-forma
4.08% appreciation · 8.0% rent growth · sell at horizon
- IRR
- 15.8%
- Equity multiple
- 1.99×
- Total profit
- $116,850
- Equity at exit
- $214,948
- IRR
- 19.9%
- Equity multiple
- 4.61×
- Total profit
- $424,488
- Equity at exit
- $353,212
Cash invested: $117,572 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Florida
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 34102
- Home prices YoY
- 1.3%
- Rents YoY
- 8.8%
- Active inventory
- 614
- Price-to-rent
- 6.4×
Monthly cashflow live
- Estimated rent
- $5,426 high interval (Pro) →
- Mortgage (P&I)
- −$2,202
- Tax from tax record
- −$277 /mo · $3,319/yr
- Insurance
- −$175
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$1,015
- Vacancy / Maint / Mgmt
- −$1,139
- Net cashflow
- $192
Break-even live
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
- $104,975
- Closing costs
- $12,597
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- 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 |
|---|---|---|---|---|---|---|---|---|
| 805 River Point Dr Unit 307C Naples, FL | 1.0 | 1.0 | 816 | $2,700 | $3.31 | 23d | 1 | 0.03mi |
| 803 River Point Dr Unit 201B Naples, FL | 1.0 | 1.0 | 715 | $2,300 | $3.22 | 23d | 1 | 0.03mi |
| 801 River Point Dr Unit 303A Naples, FL | 1.0 | 1.0 | 815 | $5,000 | $6.13 | 21d | 1 | 0.07mi |
| 1395 Curlew Ave Unit 4-3 Naples, FL | 2.0 | 2.0 | 975 | $7,000 | $7.18 | 23d | 1 | 0.10mi |
| 1435 Curlew Ave #1 Naples, FL | 2.0 | 2.0 | 975 | $2,850 | $2.92 | 21d | 1 | 0.13mi |
| 1435 Curlew Ave #1 Naples, FL | 2.0 | 2.0 | 975 | $2,850 | $2.92 | 23d | 1 | 0.13mi |
| 1100 8th Ave S Naples, FL | 2.0 | 2.0 | 1218 | $9,000 | $7.39 | 14d | 5 | 0.23mi |
| 980 7th Ave S Naples, FL | 1.0 | 1.0 | 540 | $7,500 | $13.89 | 23d | 2 | 0.33mi |
| 450 Bayfront Pl Naples, FL | 1.0–3.0 | 1.0–2.5 | 1324 | $8,750 | $6.61 | 23d | 6 | 0.33mi |
| 950 7th Ave S #23 Naples, FL | 1.0 | 1.0 | 631 | $3,250 | $5.15 | 14d | 1 | 0.35mi |
| 410 Bayfront Pl Naples, FL | 1.0–3.0 | 1.0–2.0 | 1242 | $7,875 | $6.34 | 23d | 6 | 0.36mi |
| 1555 Blue Point Ave Unit 3 Naples, FL | 2.0 | 2.0 | 1025 | $1,745 | $1.70 | 14d | 1 | 0.43mi |
| 1155 Sandpiper St Naples, FL | 2.0 | 2.0 | 1062 | $3,950 | $3.72 | 21d | 3 | 0.47mi |
| 1155 Sandpiper St Naples, FL | 2.0 | 2.0 | 1062 | $4,050 | $3.81 | 23d | 2 | 0.47mi |
| 1950 Mayfair ST Unit 921 Naples, FL | 1.0 | 1.0 | 710 | $3,420 | $4.82 | 14d | 1 | 0.48mi |
| 1950 Mayfair ST Unit 817 Naples, FL | 1.0 | 1.0 | 710 | $3,295 | $4.64 | 14d | 1 | 0.48mi |
| 1950 Mayfair ST Unit 716 Naples, FL | 1.0 | 1.0 | 710 | $3,330 | $4.69 | 14d | 1 | 0.48mi |
| 1950 Mayfair ST Unit 802 Naples, FL | 1.0 | 1.0 | 710 | $3,355 | $4.73 | 14d | 1 | 0.48mi |
| 1950 Mayfair ST Unit 1021 Naples, FL | 1.0 | 1.0 | 710 | $3,520 | $4.96 | 14d | 1 | 0.48mi |
| 1950 Mayfair ST Unit 1027 Naples, FL | 1.0 | 1.0 | 888 | $3,525 | $3.97 | 14d | 1 | 0.48mi |
| 1950 Mayfair ST Unit 901 Naples, FL | 2.0 | 2.0 | 1025 | $4,560 | $4.45 | 14d | 1 | 0.48mi |
| 1360 Chesapeake Ave Unit 1372 Naples, FL | 1.0 | 1.0 | 600 | $1,850 | $3.08 | 23d | 1 | 0.50mi |
| 1535 Chesapeake Ave Unit A2 Naples, FL | 2.0 | 2.0 | 1080 | $2,000 | $1.85 | 23d | 1 | 0.50mi |
| 1950 Mayfair St Naples, FL | 3.0 | 1.0–3.5 | 1514 | $8,752 | $5.78 | 14d | 109 | 0.51mi |
| 1686 Blue Point Ave Naples, FL | 2.0 | 2.0 | 1057 | $5,500 | $5.20 | 14d | 2 | 0.51mi |
| 1605 Chesapeake Ave #2 Naples, FL | 2.0 | 1.0 | 850 | $2,300 | $2.71 | 23d | 1 | 0.53mi |
| 1751 Smugglers Cv Unit 2 1 Naples, FL | 2.0 | 1.0 | 800 | $1,995 | $2.49 | 14d | 1 | 0.54mi |
| 960 7th St S #103 Naples, FL | 1.0 | 1.0 | 534 | $5,000 | $9.36 | 23d | 1 | 0.59mi |
| 12 Knights Bridge Rd Unit A32 Naples, FL | 2.0 | 2.0 | 1095 | $3,200 | $2.92 | 21d | 1 | 0.67mi |
| 2134 Palm St Naples, FL | 1.0 | 1.0 | 600 | $7,500 | $12.50 | 23d | 1 | 0.68mi |
| 636 Broad Ave S Unit 1259386P Naples, FL | 2.0 | 2.0 | 882 | $4,307 | $4.88 | 14d | 1 | 0.69mi |
| 1549 Sandpiper St #36 Naples, FL | 2.0 | 2.0 | 1073 | $2,195 | $2.05 | 23d | 1 | 0.70mi |
| 101 8th St S Naples, FL | 1.0 | 1.0–2.0 | 940 | $12,600 | $13.40 | 14d | 4 | 0.71mi |
| 101 8th St S Naples, FL | 1.0 | 1.0–2.0 | 940 | $12,600 | $13.40 | 23d | 4 | 0.71mi |
| 609 12th Ave S #609 Naples, FL | 2.0 | 2.0 | 860 | $8,000 | $9.30 | 23d | 1 | 0.72mi |
| 766 Central Ave Naples, FL | 2.0–3.0 | 2.0 | 943 | $5,000 | $5.30 | 14d | 4 | 0.77mi |
| 766 Central Ave Naples, FL | 2.0–3.0 | 2.0 | 855 | $6,300 | $7.37 | 21d | 3 | 0.77mi |
| 546 Broad Ave S #546 Naples, FL | 2.0 | 2.0 | 890 | $4,800 | $5.39 | 23d | 1 | 0.77mi |
| 540 4th Ave S #13 Naples, FL | 1.0 | 1.0 | 580 | $5,000 | $8.62 | 23d | 1 | 0.77mi |
| 480 5th St S #102 Naples, FL | 1.0 | 1.0 | 600 | $6,500 | $10.83 | 23d | 1 | 0.81mi |
HOA detail condo
- Monthly dues
- $1,015 · $12,180/yr
- Likely covers
- waterpool
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 24 events
-
2026-06-18days on market $419,900 Active 411 DOM
-
2026-06-17days on market $419,900 Active 410 DOM
-
2026-06-16days on market $419,900 Active 409 DOM
-
2026-06-15days on market $419,900 Active 408 DOM
-
2026-06-10days on market $419,900 Active 403 DOM
-
2026-06-09days on market $419,900 Active 402 DOM
-
2026-06-08days on market $419,900 Active 401 DOM
-
2026-06-07days on market $419,900 Active 400 DOM
-
2026-06-02days on market $419,900 Active 395 DOM
-
2026-06-01days on market $419,900 Active 394 DOM
-
2026-05-31days on market $419,900 Active 393 DOM
-
2026-05-30days on market $419,900 Active 392 DOM
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2026-04-09price $419,900
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
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2026-04-09price $419,900 610-char remark
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
-
2026-02-26price $450,000
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
-
2026-02-26price $450,000 610-char remark
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
-
2025-12-16price $479,900
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
-
2025-12-16price $479,900 610-char remark
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
-
2025-08-11price $499,900
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
-
2025-08-11price $499,900 610-char remark
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
-
2025-05-03$509,900 Active
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
-
2025-05-03$509,900 Active 610-char remark
Show marketing remark (610 chars)
Waterfront 2 bedroom condo plus garage in the heart of Old Naples! Sundrenched lanai is perfect for watching the boats all day! Spacious living room plus beautiful white kitchen with custom pantry. Large primary bedroom with walk-in closet and great water views. Updated bath with walk-in shower. Impact glass, newer AC (2019) and HW (2021). BeauMer residents enjoy a large heated pool, spa, new grills plus ample guest parking. This is a rare opportunity to buy a waterfront 2 bedroom in coveted C Building. Walking distance to 5th Avenue, Bayfront and Tin City, this beautiful condo is being sold furnished.
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2000-04-21soldstatus $98,900
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1991-09-01soldstatus $86,500
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast FL · Resets to sale price
- Current annual tax
- $3,319 · $277/mo
- Projected year-2 tax
- $3,485 · $290/mo
- Expected delta
- +$166/yr (+$14/mo · 5.0%)
ⓘ 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 3/10 Moderate
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 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
- $65,114
- − Mortgage interest
- −$23,521
- − Property taxes
- −$3,319
- − Insurance
- −$7,218
- − Repairs & maintenance
- −$5,209
- − Management
- −$5,209
- − HOA
- −$12,180
- − Depreciation
- −$12,215
- Taxable loss
- −$3,758
- Est. tax savings @ 24.0%
- +$902
- After-tax cash flow
- $3,201/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)
No district data.
Livability — Naples
- Score
- 80/100
- State rank
- #126
- US rank
- #1903
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Naples, FL
- County
- Collier County · 396,295 people
- City population
- 344,941
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 11,179
- Household income
- $130,929
- Rent vs Own
- Severe rent burden
- 333.0
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 (79%)
- Race & ethnicity
- White 79% Hispanic / Latino 9% Two or more races 8% Black 8% Asian 1%
- Hispanic origin (detail)
- Cuban 6%
- Common ancestry
- Hispanic 4% Lithuanian 4% Romanian 4%
- Foreign-born
- 17% · Canada, China
- Languages at home
- 87% English-only · Spanish 7% French/Haitian/Cajun 4% German/W. Germanic 1%
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
- ▲ 4.08%
- Current HPI
- 328.2755
- Rent YoY
- ▲ 8.75%
- 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
+385.4% since first listed12 events — show timeline
- 2026-04-09 Price Changed $419,900 NAPLESMLS
- 2026-04-09 Price Changed $419,900 MIML
- 2026-02-26 Price Changed $450,000 NAPLESMLS
- 2026-02-26 Price Changed $450,000 MIML
- 2025-12-16 Price Changed $479,900 NAPLESMLS
- 2025-12-16 Price Changed $479,900 MIML
- 2025-08-11 Price Changed $499,900 NAPLESMLS
- 2025-08-11 Price Changed $499,900 MIML
- 2025-05-03 Listed $509,900 MIML
- 2025-05-03 Listed $509,900 NAPLESMLS
- 2000-04-21 Sold (Public Records) $98,900 Public Records
- 1991-09-01 Sold (Public Records) $86,500 Public Records
Property tax history
+6.6%/yrLatest (2025): $3,319 · -7.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…