5542 Useppa Dr · Ave Maria, FL 34142

$310,000

3 bd · 2.0 ba · 1,634 sqft · SingleFamily public records · 40 Days on market

Built 2019 3,920 sqft lot $132/mo HOA · 4% of rent ↓ 6% since listing

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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 +22.0/30.0
• ARV discount +7.5/15.0
• DSCR +7.0/10.0
• 1% rule +6.8/10.0
• Schools +5.0/10.0
• Appreciation +4.5/10.0
• Rent growth +3.2/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This is a nice Huntington home model. Priced to sell! Ready to move in ! Beautiful single floor, three bedroom, two bathroom home in Ave Maria. The home has 1 car garage. Kitchen comes with appliances, granite countertop and spacious pantry. The community offers a clubhouse, pool, gym, and various parks. Other amenities available include: golf courses and water park. Seller to choose and pay for title and doc stamps on deed.

Key facts

• Fitness center
• Excellent schools
• Clubhouse

Tags

• RESORT-STYLE AMENITIES
• CLUBHOUSE
• FITNESS CENTER
• WALKING TRAILS
• CHARMING TOWN CENTER
• EXCELLENT SCHOOLS

Property features AI

Finance

• Other: Pets allowed (contact association for details)
• HOA & community: Association: Maple Ridge; Quarterly HOA fee ($195 per month equivalent listed as quarterly billed); Ave Maria Master Association also applies; Association amenities include basketball court, fitness center, picnic area and recreation facilities; Association fees include trash and recreation facility

Exterior

• Parking: Attached garage with garage door opener; Covered parking (1); Two open parking spaces; Total parking for 3 vehicles
• Utilities: Public water; Public sewer / sewer connected; Electricity available; Cable available; Phone not available
• Home design: Single family residence; One story; Resale property; Faces south
• Construction: Stucco construction
• Exterior features: No waterfront; Spanish tile roof; Paver block driveway

Interior

• Kitchen: Disposal; Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: One bedroom on the main level
• Flooring: Carpet; Tile
• Bathrooms: Two full bathrooms (one on the main level)
• Heating & cooling: Central individual heating; Central air conditioning
• Interior features: Kitchen island; Walk-in closet(s)
• Laundry & utility: Laundry room; Hall laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $310k.

Deal economics

• At list price, monthly cash flow is $341 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $310k).
• Recommended offer: $301k (3.0% below list) — sets the bar for market timing.

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.
• 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 24d on market — plan ~3-4 weeks tenant-placement turnaround); 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
• At $3,657/mo this rent would consume 70% 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 $2k of loan paydown is wiped out by about $3k 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

• It's been on market 40 days — a 3% lower offer ($301k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y ago; this cycle's ask has dropped $32k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $300,700 (3.0% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 1.18% ✓
• Cap rate: 8.20%
• Cash-on-cash: 6.81%
• DSCR: 1.30
• GRM: 7.1

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: -0.6%
• Equity multiple: 0.97×
• Total profit: $-2,195
• Equity at exit: $74,113

10-year hold

• IRR: 6.2%
• Equity multiple: 1.59×
• Total profit: $51,072
• Equity at exit: $77,215

Cash invested: $86,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

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

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

Methodology + full state rankings →

ZIP-level market 34142

• Home prices YoY: -0.5%
• Rents YoY: 3.0%
• Active inventory: 449
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $3,657 high
• Mortgage (P&I): −$1,626
• Tax from tax record: −$510 /mo · $6,117/yr
• Insurance: −$129
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$132
• Vacancy / Maint / Mgmt: −$768
• Net cashflow: $341

Break-even live

Break-even rent $3,226

Max offer price $310,000

Occupancy floor 86%

Sensitivity live

Price	-10% $516	-5% $428	+0% $341	+5% $253	+10% $165
Rent	-10% $52	-5% $196	+0% $341	+5% $485	+10% $630
Rate	-1.0pp $497	-0.5pp $420	base $341	+0.5pp $260	+1.0pp $179

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: $77,500
• Closing costs: $9,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5538 Useppa Dr Ave Maria, FL	2.0	2.5	1850	$10,995	$5.94	24d	1	0.03mi
5374 Ferris Ave Ave Maria, FL	3.0	2.5	1933	$2,350	$1.22	24d	1	0.12mi
5435 Pikewood Ct Ave Maria, FL	2.0	2.5	1850	$3,695	$2.00	21d	1	0.13mi
5360 Brin Way Ave Maria, FL	4.0	2.5	1088	$2,495	$2.29	24d	1	0.20mi
5309 Beckton Rd Ave Maria, FL	3.0	2.5	2051	$2,395	$1.17	24d	1	0.25mi
5322 Nevola Ave Ave Maria, FL	3.0	3.0	1918	$2,700	$1.41	14d	1	0.29mi
5265 Messina St Ave Maria, FL	3.0	2.5	1929	$4,995	$2.59	24d	1	0.36mi
5478 Double Eagle Cir #3521 Ave Maria, FL	2.0	2.0	1569	$4,995	$3.18	24d	1	0.49mi
5444 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$3,995	$1.78	21d	1	0.50mi
5428 Fancourt Links Way Ave Maria, FL	3.0	3.0	2247	$7,895	$3.51	21d	1	0.51mi
5454 Double Eagle Cir #3325 Ave Maria, FL	2.0	2.0	1355	$2,495	$1.84	24d	1	0.52mi
5412 Fancourt Links Way Ave Maria, FL	4.0	3.0	2247	$8,000	$3.56	21d	1	0.52mi
5376 Fancourt Links Way Ave Maria, FL	2.0	2.5	1850	$6,850	$3.70	21d	1	0.54mi
5476 Katia Ct Ave Maria, FL	3.0	2.5	1983	$4,300	$2.17	24d	1	0.54mi
5479 Double Eagle Cir #3626 Ave Maria, FL	2.0	2.0	1154	$2,200	$1.91	14d	1	0.54mi
5491 Double Eagle Cir #3728 Ave Maria, FL	3.0	2.0	1301	$2,195	$1.69	14d	1	0.55mi
5466 Double Eagle Cir #3425 Ave Maria, FL	2.0	2.0	1355	$5,995	$4.42	24d	1	0.56mi
5527 Double Eagle Cir Unit 3838 Ave Maria, FL	3.0	2.0	1301	$2,295	$1.76	24d	1	0.59mi
5527 Double Eagle Cir Unit 3815 Ave Maria, FL	2.0	2.0	1120	$5,795	$5.17	24d	1	0.59mi
5545 Hampton Links Ct Ave Maria, FL	4.0	3.0	2247	$8,500	$3.78	24d	1	0.62mi
5478 Double Eagle Cir #3515 Ave Maria, FL	2.0	2.0	1355	$2,395	$1.77	24d	1	0.63mi
5433 Double Eagle Cir Ave Maria, FL	2.0	2.0	1366	$3,295	$2.41	24d	1	0.64mi
5555 Double Eagle Cir #3914 Ave Maria, FL	2.0	2.0	1120	$5,795	$5.17	24d	1	0.65mi
5555 Double Eagle Cir #3913 Ave Maria, FL	2.0	2.0	1154	$2,100	$1.82	24d	1	0.65mi
5555 Double Eagle Cir Unit 3916 Ave Maria, FL	2.0	2.0	1154	$5,950	$5.16	24d	1	0.65mi
5555 Double Eagle Cir #3936 Ave Maria, FL	2.0	2.0	1154	$2,100	$1.82	14d	1	0.65mi
5555 Double Eagle Cir #3918 Ave Maria, FL	3.0	2.0	1301	$5,995	$4.61	24d	1	0.65mi
5538 Hampton Links Ct Ave Maria, FL	3.0	3.0	2247	$6,295	$2.80	21d	1	0.65mi
5433 Double Eagle Cir #2915 Ave Maria, FL	2.0	2.0	1366	$6,295	$4.61	21d	1	0.65mi
5690 Mayflower Way Ave Maria, FL	3.0	2.0	1815	$3,295	$1.82	24d	1	0.66mi
5690 Mayflower Way #601 Ave Maria, FL	3.0	2.0	1815	$5,500	$3.03	24d	1	0.66mi
5522 Hampton Links Ct Ave Maria, FL	2.0	2.5	1850	$3,995	$2.16	24d	1	0.66mi
5187 Nevola Ave Ave Maria, FL	3.0	2.5	1680	$2,700	$1.61	21d	1	0.67mi
5427 Double Eagle Cir #2826 Ave Maria, FL	2.0	2.0	1569	$6,495	$4.14	24d	1	0.69mi
5427 Double Eagle Cir #2815 Ave Maria, FL	2.0	2.0	1400	$2,700	$1.93	24d	1	0.69mi
5427 Double Eagle Cir #2822 Ave Maria, FL	2.0	2.0	1355	$5,795	$4.28	24d	1	0.69mi
5445 Double Eagle Cir Ave Maria, FL	2.0	2.0	1355	$2,995	$2.21	24d	1	0.69mi
5427 Double Eagle Cir #2825 Ave Maria, FL	2.0	2.0	1355	$6,295	$4.65	24d	1	0.69mi
5583 Double Eagle Cir Ave Maria, FL	2.0	2.0	1239	$2,495	$2.01	24d	1	0.70mi
5427 Double Eagle Cir #2812 Ave Maria, FL	2.0	2.0	1355	$2,395	$1.77	14d	1	0.70mi

HOA detail

• Monthly dues: $132 · $1,584/yr
• Likely covers: waterpoolgym

Listing history 24 events

1. 2026-06-18
   days on market $310,000 Active 40 DOM
2. 2026-06-17
   days on market $310,000 Active 39 DOM
3. 2026-06-16
   days on market $310,000 Active 38 DOM
4. 2026-06-15
   days on market $310,000 Active 37 DOM
5. 2026-06-14
   days on market $310,000 Active 35 DOM
6. 2026-06-10
   pricedays on market $310,000 Active 32 DOM
7. 2026-06-09
   days on market $342,000 Active 31 DOM
8. 2026-06-08
   days on market $342,000 Active 30 DOM
9. 2026-06-07
   days on market $342,000 Active 29 DOM
10. 2026-06-03
    days on market $342,000 Active 25 DOM
11. 2026-06-02
    days on market $342,000 Active 24 DOM
12. 2026-06-01
    days on market $342,000 Active 23 DOM
13. 2026-05-31
    days on market $342,000 Active 22 DOM
14. 2026-05-30
    days on market $342,000 Active 21 DOM
15. 2026-05-09
    listed $342,000 Active
16. 2025-08-09
    historical $2,100
17. 2025-06-10
    listed $2,100
18. 2025-06-09
    historical $2,100
19. 2025-03-04
    listed $2,100
20. 2023-02-23
    soldstatus $337,250
21. 2023-02-21
    soldstatus $337,250 Sold 429-char remark

    Show marketing remark (429 chars)

    This is a nice Huntington home model. Priced to sell! Ready to move in ! Beautiful single floor, three bedroom, two bathroom home in Ave Maria. The home has 1 car garage. Kitchen comes with appliances, granite countertop and spacious pantry. The community offers a clubhouse, pool, gym, and various parks. Other amenities available include: golf courses and water park. Seller to choose and pay for title and doc stamps on deed.

22. 2022-12-26
    status Pending With Contingencies 429-char remark

    Show marketing remark (429 chars)

    This is a nice Huntington home model. Priced to sell! Ready to move in ! Beautiful single floor, three bedroom, two bathroom home in Ave Maria. The home has 1 car garage. Kitchen comes with appliances, granite countertop and spacious pantry. The community offers a clubhouse, pool, gym, and various parks. Other amenities available include: golf courses and water park. Seller to choose and pay for title and doc stamps on deed.

23. 2022-11-23
    price $355,000 429-char remark

    Show marketing remark (429 chars)

    This is a nice Huntington home model. Priced to sell! Ready to move in ! Beautiful single floor, three bedroom, two bathroom home in Ave Maria. The home has 1 car garage. Kitchen comes with appliances, granite countertop and spacious pantry. The community offers a clubhouse, pool, gym, and various parks. Other amenities available include: golf courses and water park. Seller to choose and pay for title and doc stamps on deed.

24. 2022-11-16
    listed $365,000 Active 429-char remark

    Show marketing remark (429 chars)

    This is a nice Huntington home model. Priced to sell! Ready to move in ! Beautiful single floor, three bedroom, two bathroom home in Ave Maria. The home has 1 car garage. Kitchen comes with appliances, granite countertop and spacious pantry. The community offers a clubhouse, pool, gym, and various parks. Other amenities available include: golf courses and water park. Seller to choose and pay for title and doc stamps on deed.

ⓘ 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: $6,117 · $510/mo
• Projected year-2 tax: $6,117 · $510/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 10/10 Extreme 7 d/yr ≥111°F today · 29 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: $43,889
• − Mortgage interest: −$17,365
• − Property taxes: −$6,117
• − Insurance: −$3,374
• − Repairs & maintenance: −$3,511
• − Management: −$3,511
• − HOA: −$1,584
• − Depreciation: −$9,018
• Taxable loss: −$592
• Est. tax savings @ 24.0%: +$142
• After-tax cash flow: $4,231/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

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

Livability — 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

-6.3% since first listed

10 events — show timeline

• 2026-05-09 Listed $342,000 Beaches MLS
• 2025-08-09 Rental Removed $2,100 RENTSPREE
• 2025-06-10 Listed for Rent $2,100 RENTSPREE
• 2025-06-09 Rental Removed $2,100 GFLMLS
• 2025-03-04 Listed for Rent $2,100 GFLMLS
• 2023-02-23 Sold (Public Records) $337,250 Public Records
• 2023-02-21 Sold (MLS) $337,250 NAPLESMLS
• 2022-12-26 Pending — NAPLESMLS
• 2022-11-23 Price Changed $355,000 NAPLESMLS
• 2022-11-16 Listed $365,000 NAPLESMLS

Property tax history

+13.2%/yr

Latest (2025): $6,117 · -0.3% YoY. Source: county tax records.