5252 Lamone Ln · Ave Maria, FL 34142

$399,000

3 bd · 2.5 ba · 2,244 sqft · SingleFamily public records · 10 Days on market

Built 2024 Good condition 10,454 sqft lot $162/mo HOA · 4% of rent

---

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 +20.1/30.0
• ARV discount +7.5/15.0
• 1% rule +6.4/10.0
• DSCR +6.4/10.0
• Schools +5.0/10.0
• Appreciation +4.5/10.0
• Condition / age +4.0/5.0
• Rent growth +3.2/5.0
• Livability +2.5/5.0

Listing remarks

* * * SHORT SALE * * * Welcome to 5252 Lamone Lane, a beautifully maintained newer-construction home in Ave Maria’s DESIRABLE MAPLE RIDGE COMMUNITY. BUILT IN 2024 and set on a GENEROUS 0.24-ACRE LOT, this spacious residence offers 2,256 SQFT of living space with 3 BR+DEN/2.5 BA, and a bright, open layout designed for comfortable everyday living and entertaining. Inside, the home features TILE FLOORING THROUGHOUT THE MAIN LIVING AREAS, carpet in the bedrooms and den, IMPACT WINDOWS & DOORS, UPGRADED QUARTZ COUNTERTOPS, MODERN APPLIANCES, WINDOW COVERINGS, LIGHTS FIXTURES, and CEILING FANS. The kitchen offers a clean, modern look with ample workspace and a seamless connecti

Key facts

• Modern appliances
• 0.24 acre lot
• 2 garage spots

Tags

• NEWER-CONSTRUCTION HOME
• GENEROUS 0.24-ACRE LOT
• TILE FLOORING THROUGHOUT
• IMPACT WINDOWS AND DOORS
• UPGRADED QUARTZ COUNTERTOPS
• MODERN APPLIANCES

Property features AI

Finance

• HOA & community: Mandatory HOA (non-gated community); Monthly HOA fee of $95; Quarterly master HOA fee of $203; One-time other fee of $160; Total annual recurring fees $1,952; Total one-time fees $410; HOA maintenance covers legal/accounting, recreation facilities, and street lights; Community amenities include clubhouse, community pool and spa, exercise room, tennis, pickleball, basketball, bocce, volleyball, putting green, golf course, dog park, playground, sidewalks, streetlights, library, restaurant, shopping, cabana, vehicle wash area, internet access and more; Community managed by developer

Exterior

• Parking: Attached 2-car garage; Automatic garage door
• Security: Impact resistant windows and doors
• Utilities: Central water; Central sewer; Cable available; Central electric power
• Home design: Single-family home; One-story / ranch; Rear exposure to the east; Residential property in Ave Maria
• Construction: Built in 2024; Concrete block construction; Stucco exterior; Tile roof; Impact resistant and single-hung windows
• Exterior features: Room for a pool; Automatic sprinkler system

Interior

• Kitchen: Electric cooktop; Self-cleaning oven; Microwave; Dishwasher; Disposal; Refrigerator / Refrigerator-Freezer; Pantry
• Bedrooms: 3 bedrooms plus den
• Flooring: Carpet; Tile
• Bathrooms: Two full bathrooms; One half bathroom; Master bathroom with dual sinks and shower (no tub)
• Heating & cooling: Central electric heat; Central electric air conditioning; Ceiling fans
• Interior features: French doors; High-speed internet available; Laundry tub; Pantry; Smoke detectors; Window coverings; Dining area in living room; Den/study; Open porch/lanai; Unfurnished; Great room floor plan; Split bedroom layout
• Laundry & utility: Washer and dryer included; Laundry in residence; Laundry tub

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $399k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $343 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $399k).

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Collier (suburban): math 60% / reading 56% proficiency, ranked #16 of 73 in FL (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Avalon Elementary School (math 47% / reading 40%, grade F, #1,345 of 2,144 statewide, top 64%, 346 students, 74% FRL); Palmetto Ridge High School (math 43% / reading 51%, grade D-, #207 of 667 statewide, top 32%, 2,347 students, 38% FRL) — zoned schools at 56% FRL track the district average.
• Zoned-school proficiency averages 45% at this address vs 58% district-wide (-13 pts) — the specific schools serving this property underperform the Collier average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.0%/yr); 449 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $4,538/mo this rent would consume 87% of the median local household income ($62k/yr) (locally 1093% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-1.1%/yr); year-one equity from $3k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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

• Watch-outs: flood insurance adds $152/mo.
• Climate carrying-cost: in FEMA flood zone AH (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $399,000

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.14% ✓
• Cap rate: 7.78%
• Cash-on-cash: 5.32%
• DSCR: 1.24
• GRM: 7.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.05% appreciation · 2.95% rent growth · sell at horizon

5-year hold

• IRR: -1.8%
• Equity multiple: 0.92×
• Total profit: $-8,939
• Equity at exit: $95,391

10-year hold

• IRR: 4.9%
• Equity multiple: 1.47×
• Total profit: $52,490
• Equity at exit: $99,383

Cash invested: $111,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34142

• Home prices YoY: -0.5%
• Rents YoY: 3.0%
• Active inventory: 449
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $4,538 high
• Mortgage (P&I): −$2,092
• Tax from tax record: −$670 /mo · $8,036/yr
• Insurance: −$166
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$162
• Vacancy / Maint / Mgmt: −$953
• Net cashflow: $343

Break-even live

Break-even rent $4,104

Max offer price $399,000

Occupancy floor 87%

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: $99,750
• Closing costs: $11,970
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5077 Gambero Way Ave Maria, FL	4.0	3.0	2256	$3,950	$1.75	23d	1	0.16mi
5285 Marano Dr Ave Maria, FL	3.0	2.5	2256	$2,600	$1.15	23d	1	0.18mi
5293 Marano Dr Ave Maria, FL	3.0	2.5	2256	$3,400	$1.51	21d	1	0.19mi
5414 Espada Ct Ave Maria, FL	3.0	3.0	2799	$10,995	$3.93	21d	1	0.19mi
5065 Gambero Way Ave Maria, FL	4.0	3.0	2557	$3,250	$1.27	21d	1	0.20mi
5322 Nevola Ave Ave Maria, FL	3.0	3.0	1918	$2,700	$1.41	13d	1	0.21mi
5376 Fancourt Links Way Ave Maria, FL	2.0	2.5	1850	$6,850	$3.70	21d	1	0.21mi
5187 Nevola Ave Ave Maria, FL	3.0	2.5	1680	$2,700	$1.61	21d	1	0.25mi
5039 Frattina St Ave Maria, FL	3.0	3.0	2341	$5,995	$2.56	23d	1	0.29mi
5412 Fancourt Links Way Ave Maria, FL	4.0	3.0	2247	$8,000	$3.56	21d	1	0.29mi
5522 Hampton Links Ct Ave Maria, FL	2.0	2.5	1850	$3,995	$2.16	23d	1	0.31mi
5013 Florence Dr Ave Maria, FL	3.0	2.5	2256	$2,900	$1.29	23d	1	0.32mi
5089 Penella Ave Ave Maria, FL	3.0	2.5	2028	$2,300	$1.13	13d	1	0.32mi
5545 Hampton Links Ct Ave Maria, FL	4.0	3.0	2247	$8,500	$3.78	23d	1	0.32mi
5545 Hampton Links Ct #5545 Ave Maria, FL	4.0	3.0	2400	$9,000	$3.75	23d	1	0.32mi
5428 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$7,895	$3.51	21d	1	0.33mi
5538 Hampton Links Ct Ave Maria, FL	3.0	3.0	2247	$6,295	$2.80	21d	1	0.34mi
5114 Penella Ave Ave Maria, FL	4.0	3.0	2599	$3,195	$1.23	21d	1	0.36mi
5444 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$3,995	$1.78	21d	1	0.37mi
5515 Whistling Straights Ct Ave Maria, FL	3.0	2.5	2419	$6,500	$2.69	21d	1	0.43mi
5427 Double Eagle Cir #2815 Ave Maria, FL	2.0	2.0	1400	$2,700	$1.93	23d	1	0.43mi
5427 Double Eagle Cir #2826 Ave Maria, FL	2.0	2.0	1569	$6,495	$4.14	23d	1	0.43mi
5435 Pikewood Ct Ave Maria, FL	2.0	2.5	1850	$3,695	$2.00	21d	1	0.44mi
5445 Double Eagle Cir #3026 Ave Maria, FL	2.0	2.0	1569	$2,350	$1.50	21d	1	0.45mi
5120 Nevola Ave Ave Maria, FL	4.0	3.0	2273	$3,500	$1.54	11d	1	0.45mi
5032 Arancia Ln Ave Maria, FL	3.0	2.0	1525	$2,595	$1.70	13d	1	0.47mi
5265 Messina St Ave Maria, FL	3.0	2.5	1929	$4,995	$2.59	23d	1	0.47mi
5104 Salerno St Ave Maria, FL	4.0	3.0	2341	$5,595	$2.39	23d	1	0.48mi
5374 Ferris Ave Ave Maria, FL	3.0	2.5	1933	$2,350	$1.22	23d	1	0.50mi
5478 Double Eagle Cir #3521 Ave Maria, FL	2.0	2.0	1569	$4,995	$3.18	23d	1	0.50mi
5538 Useppa Dr Ave Maria, FL	2.0	2.5	1850	$10,995	$5.94	23d	1	0.51mi
5661 Melbourne Ct #8011 Ave Maria, FL	3.0	2.0	1741	$7,295	$4.19	11d	1	0.53mi
5667 Melbourne Ct #7812 Ave Maria, FL	3.0	2.0	1741	$6,250	$3.59	11d	1	0.53mi
4919 Frattina St Ave Maria, FL	4.0	3.0	2350	$3,300	$1.40	23d	1	0.54mi
4957 Gambero Way Unit 4957 Ave Maria, FL	4.0	3.0	1500	$3,400	$2.27	11d	1	0.54mi
5674 Melbourne Ct Unit 7721 Ave Maria, FL	3.0	2.0	2110	$7,295	$3.46	11d	1	0.57mi
4925 Gambero Way Ave Maria, FL	2.0	2.0	1525	$4,000	$2.62	23d	1	0.58mi
5680 Melbourne Ct #7521 Ave Maria, FL	3.0	2.0	2110	$2,650	$1.26	3d	1	0.58mi
5704 Melbourne Ct Ave Maria, FL	3.0	2.0	1741	$3,995	$2.29	23d	1	0.59mi
5739 Oakmont Ct Ave Maria, FL	3.0	2.0	1710	$3,700	$2.16	23d	1	0.64mi

HOA detail

• Monthly dues: $162 · $1,944/yr

Listing history 8 events

1. 2026-06-18
   days on market $399,000 Active 10 DOM
2. 2026-06-17
   days on market $399,000 Active 9 DOM
3. 2026-06-16
   days on market $399,000 Active 8 DOM
4. 2026-06-15
   days on market $399,000 Active 7 DOM
5. 2026-06-14
   days on market $399,000 Active 5 DOM
6. 2026-06-10
   days on market $399,000 Active 2 DOM
7. 2026-06-09
   remarks 689-char remark
8. 2026-06-09
   listed $399,000 Active 1 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: $8,036 · $670/mo
• Projected year-2 tax: $8,036 · $670/mo
• Expected delta: $0/yr ($0/mo · -0.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone AH · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 26 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $54,459
• − Mortgage interest: −$22,350
• − Property taxes: −$8,036
• − Insurance: −$3,819
• − Repairs & maintenance: −$4,357
• − Management: −$4,357
• − HOA: −$1,944
• − Depreciation: −$11,607
• Taxable loss: −$2,012
• Est. tax savings @ 24.0%: +$483
• After-tax cash flow: $4,596/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 · 12 photos

Good 80/100 Cosmetic rehab

This newer construction home in Ave Maria's desirable Maple Ridge community is in excellent condition with modern finishes and ample space. It's move-in ready with minimal maintenance required.

Value-add opportunities

• Both landscaping — enhances curb appeal and adds value
• Both smart home integration — increases convenience and marketability
• Both smart thermostat — improves energy efficiency and comfort

Renovation cost estimate screening

Value-add ROI direction

• Both landscaping — enhances curb appeal and adds value ↑
• Both smart home integration — increases convenience and marketability ↑
• Both smart thermostat — improves energy efficiency and comfort ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Collier
• NCES district ID: 1200330
• Math proficiency: 60% ▼ -4.00%
• Reading proficiency: 56% ▼ -2.00%
• Median HH income: $58,275
• Composite: 50.23/100
• National rank: #1892
• State rank: #16 of 73 in FL

Livability — Ave Maria

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Ave Maria, FL
• County: Collier County · 396,295 people
• Metro: Naples-Marco Island, FL
• Population (ZIP): 35,149
• Household income: $62,333
• Rent vs Own: 48.7% rent · 51.3% own
• Severe rent burden: 1093.0

Population outlook (Collier County) Hauer SSP2

• Today (2025): 420,858 people
• By 2030: 450,054 · +6.9%
• By 2040: 502,232 · +19.3%
• By 2050: 544,932 · +29.5%
• By 2075: 627,203 · +49.0%
• By 2100: 659,015 · +56.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Hispanic (63%)
• Race & ethnicity: Hispanic / Latino 63% Two or more races 39% Black 19% White 16% Native American 7%
• Hispanic origin (detail): Mexican 43% Puerto Rican 3% Cuban 2% Dominican 1%
• Common ancestry: Hispanic 8% Slovak 1% Serbian 1%
• Foreign-born: 32% · Canada, Jamaica
• Languages at home: 34% English-only · Spanish 53% French/Haitian/Cajun 12%

Political lean MEDSL · Collier

• 2024 margin: Solid R (+33.1) · D 33.1% · R 66.2%
• 2008→2024 swing: -10.6pp toward R · 2008: -22.5pp · 2024: -33.1pp
• All cycles: 2024: R+33.1 2020: R+24.7 2016: R+26.0 2012: R+30.1 2008: R+22.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.05%
• Current HPI: 226.9105
• Rent YoY: ▲ 2.95%
• Metro: Naples-Marco Island, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+14150.0% since first listed

4 events — show timeline

• 2026-06-08 Listed $399,000 NAPLESMLS
• 2025-05-22 Rental Removed $2,600 NAPLESMLS
• 2025-05-06 Price Changed $2,600 NAPLESMLS
• 2025-03-29 Listed for Rent $2,800 NAPLESMLS

Property tax history

+202.8%/yr

Latest (2025): $8,036 · +202.8% YoY. Source: county tax records.