3301 Goldfinch Ln · Rotonda, FL 34224

$139,900

2 bd · 2.0 ba · 1,274 sqft · Manufactured public records · 139 Days on market

Built 1983 10,780 sqft lot Est $219k · 36% under $16/mo HOA · 1% of rent

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 3301 Goldfinch Lane, located in the Sandlehaven Estates community of Englewood, Florida. This well-maintained FURNISHED mobile home offers an open floor plan with plenty of natural light and functional living space. Seller is motivated to sell!! Recent updates include a new roof (2024), new water softener (2024), new refrigerator (2024), and an air conditioning system approximately 4.5 years old with all new duct work in 2023. Newer windows throughout the entire home with hurricane windows in the new sun room. Carport, patio and shed all have insulated ceiling's. The home features laminate flooring throughout and a practical kitchen with ample cabinet space and a breakfast bar

Key facts

• Open floor plan
• New water softener
• Laminate flooring

Tags

• OPEN FLOOR PLAN
• NEW ROOF
• NEW WATER SOFTENER
• NEW REFRIGERATOR
• AIR CONDITIONING SYSTEM
• LAMINATE FLOORING

Property features AI

Finance

• Other: Annual taxes reported; Property zoned MHC
• Financial info: Lease restrictions apply
• HOA & community: Has HOA — buyer approval required; Annual association fee $200 (monthly equivalent $16.67); Association fees cover common area taxes, escrow reserves, and grounds maintenance; Community features include deed restrictions, community mailbox, golf carts allowed; Senior community; Pets allowed: cats and dogs (with number limits)

Exterior

• Parking: Carport with 1 space
• Utilities: Public sewer; Water: public and well (see remarks); Electricity connected; Cable available; Sewer connected; Water connected
• Home design: Manufactured double-wide home; Single-story; Homesite faces south; Homestead eligible
• Construction: Vinyl siding; Shingle roof; Crawlspace foundation; Built as double-wide manufactured home
• Exterior features: Covered enclosed patio; Patio; Awnings; Sliding doors; Outdoor storage; Cul-de-sac lot; Landscaped yard; Near marina; Paved driveway/road; Flood zone (flood insurance required)

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Range hood; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air; Wall/window unit(s)
• Interior features: Ceiling fans; Walk-in closets; Drapes; Bonus room; Florida room; Exhaust fan; Water softener
• Laundry & utility: Washer; Dryer; Laundry: Other

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $140k.

Deal economics

• At list price, monthly cash flow is $370 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.1% vs local median 3.1% in Rotonda — 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 67/100 on livability (#548 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A-, cost of living B+; 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: Vineland Elementary School (math 74% / reading 67%, grade A-, #333 of 2,144 statewide, top 16%, 579 students, 45% FRL); Lemon Bay High School (math 50% / reading 56%, grade C-, #148 of 667 statewide, top 23%, 1,360 students, 28% FRL) — zoned schools average 37% FRL vs 54% district-wide (17 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents soft (-0.1%/yr); 734 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 45% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k 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 139 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 21y ago; this cycle's ask has dropped $10k (7%) 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→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 139 days. Have you received any prior offers? Is the seller open to a 12% 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. 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 D-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. 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.
8. 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.
9. 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: 1.53% ✓
• Cap rate: 13.13%
• Cash-on-cash: 24.41%
• DSCR: 2.09
• GRM: 5.5

CMA / ARV

• ARV (on-the-fly): $219,128
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9086 Pinehaven Way	0.10mi	2/2.0	1,134 (-11%)	1mo	$195,000	$172	76
3331 Goldfinch Ln	0.06mi	2/2.0	1,456 (+14%)	0mo	$133,000	$91	73

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: -3.6%
• Equity multiple: 0.87×
• Total profit: $-5,106
• Equity at exit: $20,860

10-year hold

• IRR: 1.2%
• Equity multiple: 1.07×
• Total profit: $2,711
• Equity at exit: $12,096

Cash invested: $39,172 (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 34224

• Home prices YoY: -18.9%
• Rents YoY: -0.1%
• Active inventory: 734
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $2,138 high
• Mortgage (P&I): −$734
• Tax from tax record: −$85 /mo · $1,015/yr
• Insurance: −$58
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$16
• Vacancy / Maint / Mgmt: −$449
• Net cashflow: $370

Break-even live

Break-even rent $1,670

Max offer price $139,900

Occupancy floor 78%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6800 Placida Rd #283 Englewood, FL	2.0	2.0	1092	$1,500	$1.37	21d	1	0.40mi
100 Rotonda Lakes Cir Rotonda West, FL	1.0–3.0	1.0–2.0	1024	$1,126	$1.10	13d	1	0.44mi
113 Boundary Blvd Unit B 1 Rotonda West, FL	3.0	2.0	1325	$1,695	$1.28	21d	1	0.53mi
113 Boundary Blvd #2 Rotonda West, FL	3.0	2.0	1323	$1,625	$1.23	13d	1	0.53mi
93 Boundary Blvd #303 Rotonda West, FL	2.0	2.0	1228	$2,800	$2.28	13d	1	0.62mi
173 Rotonda Cir Rotonda West, FL	3.0	2.0	1350	$3,200	$2.37	21d	1	0.66mi
18 Golfview Ct Rotonda West, FL	3.0	2.0	1686	$3,000	$1.78	21d	1	0.74mi
260 Rotonda Blvd W Unit 2 Rotonda West, FL	3.0	2.0	1047	$1,500	$1.43	21d	1	0.81mi
284 Rotonda Blvd W Rotonda West, FL	2.0	2.0	897	$1,475	$1.64	21d	1	0.83mi
8272 Harborside Cir Englewood, FL	3.0	3.0	1590	$5,200	$3.27	21d	1	0.84mi
8234 Harborside Cir Englewood, FL	3.0	3.0	1735	$4,200	$2.42	21d	1	0.86mi
37 Oakland Hills Pl Rotonda West, FL	3.0	2.0	1321	$4,000	$3.03	21d	1	0.89mi
226 Boundary Blvd Rotonda West, FL	2.0	2.0	1200	$1,495	$1.25	13d	1	0.93mi
60 Golfview Rd Rotonda West, FL	3.0	2.0	1336	$5,550	$4.15	21d	1	0.96mi
42 Mark Twain Ln Rotonda West, FL	3.0	2.5	1677	$2,800	$1.67	21d	1	1.08mi
239 Annapolis Ln Rotonda West, FL	3.0	2.0	1747	$2,000	$1.14	21d	1	1.08mi
65 Oakland Hills Pl Rotonda West, FL	2.0	2.0	1444	$4,500	$3.12	21d	1	1.09mi
230 Annapolis Ln Rotonda West, FL	3.0	2.0	1768	$1,800	$1.02	21d	1	1.12mi
8400 Placida Rd Unit G202 Rental Placida, FL	2.0	2.5	1688	$2,500	$1.48	21d	1	1.27mi
278 Boundary Blvd Unit B Rotonda West, FL	2.0	2.0	1138	$1,625	$1.43	21d	1	1.31mi
10446 Coquina Ct Placida, FL	3.0	2.0	1820	$4,500	$2.47	21d	1	1.32mi
199 Rotonda Blvd W Unit C Rotonda West, FL	2.0	2.0	974	$1,475	$1.51	13d	1	1.34mi
87 Mark Twain Ln Rotonda West, FL	3.0	2.0	1235	$2,500	$2.02	21d	1	1.34mi
195 Rotonda Blvd W Unit A Rotonda West, FL	3.0	2.0	1162	$1,850	$1.59	21d	1	1.36mi
289 Boundary Blvd Unit 202 Rotonda West, FL	3.0	2.0	1168	$1,645	$1.41	21d	1	1.37mi
98 Caddy Rd Rotonda West, FL	2.0	2.0	1167	$4,000	$3.43	21d	1	1.38mi
4341 Placida Rd #5 Englewood, FL	2.0	2.0	1071	$1,350	$1.26	21d	1	1.41mi
4341 Placida Rd #6 Englewood, FL	2.0	2.0	1071	$1,450	$1.35	21d	1	1.41mi
210 Bocilla Dr Boca Grande, FL	3.0	1.5	1296	$9,858	$7.61	21d	1	1.48mi

HOA detail

• Monthly dues: $16 · $192/yr
• Likely covers: water

Listing history 23 events

1. 2026-06-16
   days on market $139,900 Active 139 DOM
2. 2026-06-15
   days on market $139,900 Active 138 DOM
3. 2026-06-14
   days on market $139,900 Active 136 DOM
4. 2026-06-13
   days on market $139,900 Active 135 DOM
5. 2026-06-10
   days on market $139,900 Active 133 DOM
6. 2026-06-09
   days on market $139,900 Active 132 DOM
7. 2026-06-08
   days on market $139,900 Active 131 DOM
8. 2026-06-05
   days on market $139,900 Active 127 DOM
9. 2026-06-03
   days on market $139,900 Active 126 DOM
10. 2026-06-02
    days on market $139,900 Active 125 DOM
11. 2026-06-01
    days on market $139,900 Active 124 DOM
12. 2026-05-31
    days on market $139,900 Active 123 DOM
13. 2026-05-30
    days on market $139,900 Active 122 DOM
14. 2026-05-13
    price $139,900
15. 2026-03-13
    price $145,900
16. 2026-01-28
    listed $150,000 Active
17. 2006-03-01
    soldstatus $138,000
18. 2006-01-11
    historical
19. 2005-09-26
    listed $159,900
20. 2005-09-26
    historical
21. 2005-05-17
    listed $169,900
22. 1999-06-14
    soldstatus $56,500
23. 1993-12-22
    soldstatus $59,300

ⓘ 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: $1,015 · $85/mo
• Projected year-2 tax: $1,161 · $97/mo
• Expected delta: +$146/yr (+$12/mo · 14.4%)

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 97% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°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 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,661
• − Mortgage interest: −$7,837
• − Property taxes: −$1,015
• − Insurance: −$5,818
• − Repairs & maintenance: −$2,053
• − Management: −$2,053
• − HOA: −$192
• − Depreciation: −$4,070
• Taxable income: $2,624
• Est. tax owed @ 24.0%: −$630
• After-tax cash flow: $3,813/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 — Rotonda

• Score: 67/100
• State rank: #548
• US rank: #10359

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rotonda, FL
• County: Charlotte County · 196,994 people
• City population: 10,490
• Metro: Punta Gorda, FL
• Population (ZIP): 15,536
• Household income: $57,281
• Rent vs Own: 17.8% rent · 82.2% own
• Severe rent burden: 329.0

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 (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 3% Asian 1%
• Common ancestry: Romanian 4% Slovak 4% Lithuanian 4%
• Foreign-born: 9% · Canada
• Languages at home: 92% English-only · Other Indo-European 2% Spanish 2% 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: ▼ -75.76%
• Current HPI: 325.0345
• Rent YoY: ▼ -0.11%
• 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

+135.9% since first listed

10 events — show timeline

• 2026-05-13 Price Changed $139,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-13 Price Changed $145,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-28 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2006-03-01 Sold (Public Records) $138,000 Public Records
• 2006-01-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2005-09-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2005-09-26 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2005-05-17 Listed $169,900 Stellar MLS as Distributed by MLS Grid
• 1999-06-14 Sold (Public Records) $56,500 Public Records
• 1993-12-22 Sold (Public Records) $59,300 Public Records

Property tax history

+3.6%/yr

Latest (2025): $1,015 · -8.3% YoY. Source: county tax records.