1084 Forest Lakes Dr #7205 · Naples, FL
Flood risk 7/10 · Major
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.75%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- 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
- 27 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- 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 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 +14.8/30.0
- 1% rule +10.0/10.0
- ARV discount +7.5/15.0
- Schools +7.4/10.0
- DSCR +4.5/10.0
- Livability +4.0/5.0
- Condition / age +4.0/5.0
- Rent growth +2.7/5.0
- Appreciation +0.0/10.0
$129,900
1084 Forest Lakes Dr #7205 · Naples, FL 34105
1 bd · 1.0 ba · 766 sqft · Condo
· 150 Days on market
Built 1976
$170/sqft
· 51% below area
$745/mo HOA · 35% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
LUXURY LIFESTYLE AT AN AFFORDABLE PRICE PRICE IMPROVEMENT: NOW OFFERED AT ONLY $129,900 Imagine owning a completely updated, fully furnished Naples golf retreat in one of the city’s most desirable and convenient locations for only $129,900. Welcome to 1084 Forest Lakes Drive, Unit 7205, located just over a mile from beautiful Vanderbilt Beach and The Ritz Carlton. World class beaches, luxury resorts, fine dining, shopping, golf, and everything that makes Naples so desirable are only minutes from your front door. Waterside Shops, Clam Pass Beach, and the Naples Grande Beach Resort are nearby.
Key facts
- Brand new kitchen
- Resort style pool
- Vibrant clubhouse
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 1-bed/1.0-bath condo listed at $130k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-31 ($-367/yr) — negative.
- To cash-flow at today's rent, offer at most $125k (3.4% below list).
- Meets the 1% rule at list price ($2k rent vs $130k).
- Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
- Cap rate 6.6% vs local median 2.4% in Naples — 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 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.
- 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: Sea Gate Elementary School (math 86% / reading 81%, grade A+, #60 of 2,144 statewide, top 3%, 703 students, 26% FRL); Pine Ridge Middle School (math 74% / reading 70%, grade A, #52 of 571 statewide, top 10%, 832 students, 31% FRL); Barron Collier High School (math 62% / reading 68%, grade B, #76 of 667 statewide, top 11%, 1,650 students, 26% FRL) — zoned schools average 27% FRL vs 55% district-wide (28 pts lower); this property's tenant base skews higher-income than the district average.
- Zoned-school proficiency averages 74% at this address vs 58% district-wide (+16 pts) — the actual schools serving this property are materially stronger than the Collier average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: Rents flat; 392 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 110d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $898 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
- It's been on market 150 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: flood insurance adds $66/mo; HOA is 35% of rent.
- Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$114,312
(12.0% below list)
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 150 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1976 — 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?
- 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
- 1.64% ✓
- Cap rate
- 6.62%
- Cash-on-cash
- 1.18%
- DSCR
- 1.05
- GRM
- 5.1
CMA / ARV
- ARV (median comp)
- $267,150
- List price
- $129,900
- Delta
- -51.38%
- 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 |
|---|---|---|---|---|---|---|---|
| 170 Turtle Lake Ct #211 | 0.21mi | 2/2.0 (+1) | 842 (+10%) | 1mo | $192,000 | $228 | 64 |
| 3 Bob O Link Ct Unit B | 0.75mi | 1/1.0 | 770 (+0%) | 0mo | $174,000 | $226 | 64 |
| 180 Turtle Lake Ct #206 | 0.20mi | 1/1.0 | 638 (-17%) | 3mo | $160,000 | $251 | 63 |
| 190 Turtle Lake Ct #202 | 0.24mi | 2/2.0 (+1) | 842 (+10%) | 2mo | $180,000 | $214 | 61 |
| 1057 Forest Lakes Dr #209 | 0.18mi | 2/2.0 (+1) | 950 (+24%) | 1mo | $142,000 | $149 | 57 |
| 200 Forest Lakes Blvd #109 | 0.42mi | 2/2.0 (+1) | 842 (+10%) | 0mo | $165,000 | $196 | 55 |
| 200 Forest Lakes Blvd #201 | 0.42mi | 2/2.0 (+1) | 842 (+10%) | 3mo | $207,000 | $246 | 53 |
| 600 Neapolitan Way #349 | 1.39mi | 1/2.0 | 864 (+13%) | 3mo | $250,000 | $289 | 37 |
| 600 Neapolitan Way #341 | 1.39mi | 2/2.0 (+1) | 864 (+13%) | 0mo | $350,000 | $405 | 34 |
| 600 Neapolitan Way #226 | 1.39mi | 2/2.0 (+1) | 864 (+13%) | 3mo | $310,500 | $359 | 32 |
| 600 Neapolitan Way #230 | 1.39mi | 2/2.0 (+1) | 864 (+13%) | 4mo | $525,000 | $608 | 32 |
| 600 Neapolitan Way #225 | 1.39mi | 2/2.0 (+1) | 864 (+13%) | 4mo | $357,700 | $414 | 31 |
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 · 0.85% rent growth · sell at horizon
5-year hold
- IRR
- -22.2%
- Equity multiple
- 0.26×
- Total profit
- $-26,966
- Equity at exit
- $19,369
10-year hold
- IRR
- -31.4%
- Equity multiple
- -0.14×
- Total profit
- $-41,519
- Equity at exit
- $11,231
Cash invested: $36,372 (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.
Active competition Active MLS
- For sale now
- 9 active · 1 under contract
- Median asking
- $219,900 ($260/sqft)
- Median days on market
- 98 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- +34.3% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34105
- Home prices YoY
- -30.5%
- Rents YoY
- 0.8%
- Active inventory
- 392
- Price-to-rent
- 5.1×
Monthly cashflow live
↻
- Estimated rent
- $2,125 high interval (Pro) →
- Mortgage (P&I)
- −$681
- Tax est. 1.5%
- −$162 /mo · $1,948/yr
- Insurance
- −$54
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$745
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$446
- Net cashflow
- $-31
Break-even live
Break-even rent
$2,164
Max offer price
$125,477
Occupancy floor
96%
Sensitivity live
| Price | -10% $59 | -5% $14 | +0% $-31 | +5% $-75 | +10% $-120 |
|---|---|---|---|---|---|
| Rent | -10% $-198 | -5% $-114 | +0% $-31 | +5% $53 | +10% $137 |
| Rate | -1.0pp $35 | -0.5pp $2 | base $-31 | +0.5pp $-64 | +1.0pp $-98 |
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
- $32,475
- Closing costs
- $3,897
- 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 |
|---|---|---|---|---|---|---|---|---|
| 1085 Forest Lakes Dr Unit 8305 Naples, FL | 1.0 | 1.0 | 766 | $3,000 | $3.92 | 109d | 1 | 0.03mi |
| 1085 Forest Lakes Dr Unit 8106 Naples, FL | 2.0 | 2.0 | 1000 | $1,900 | $1.90 | 109d | 1 | 0.03mi |
| 1085 Forest Lakes Dr Unit 8202 Naples, FL | 2.0 | 2.0 | 1086 | $2,800 | $2.58 | 109d | 1 | 0.03mi |
| 287 Quail Forest Blvd #117 Naples, FL | 2.0 | 2.0 | 993 | $1,995 | $2.01 | 117d | 1 | 0.10mi |
| 287 Quail Forest Blvd #117 Naples, FL | 2.0 | 2.0 | 993 | $1,695 | $1.71 | 109d | 1 | 0.10mi |
| 1086 Forest Lakes Dr #303 Naples, FL | 2.0 | 2.0 | 1000 | $1,990 | $1.99 | 0d | 1 | 0.12mi |
| 1087 Forest Lakes Dr #201 Naples, FL | 2.0 | 2.0 | 1110 | $2,800 | $2.52 | 6d | 1 | 0.17mi |
| 260 Quail Forest Blvd Naples, FL | 1.0–2.0 | 1.0–2.0 | 838 | $1,584 | $1.89 | 4d | 10 | 0.17mi |
| 180 Turtle Lake Ct #210 Naples, FL | 2.0 | 2.0 | 842 | $3,000 | $3.56 | 6d | 1 | 0.21mi |
| 180 Turtle Lake Ct #102 Naples, FL | 2.0 | 2.0 | 842 | $1,850 | $2.20 | 117d | 1 | 0.21mi |
| 170 Turtle Lake Ct Naples, FL | 2.0 | 2.0 | 842 | $2,975 | $3.53 | 109d | 1 | 0.23mi |
| 190 Turtle Lake Ct #307 Naples, FL | 1.0 | 1.0 | 638 | $1,400 | $2.19 | 6d | 1 | 0.25mi |
| 190 Turtle Lake Ct Unit 6 Naples, FL | 2.0 | 2.0 | 842 | $2,100 | $2.49 | 109d | 1 | 0.26mi |
| 160 Turtle Lake Ct #209 Naples, FL | 2.0 | 2.0 | 842 | $1,600 | $1.90 | 6d | 1 | 0.26mi |
| 1056 Forest Lakes Dr Unit A201 Naples, FL | 2.0 | 2.0 | 1050 | $3,300 | $3.14 | 0d | 1 | 0.28mi |
| 200 Turtle Lake Ct #109 Naples, FL | 2.0 | 2.0 | 842 | $1,295 | $1.54 | 119d | 1 | 0.28mi |
| 200 Turtle Lake Ct Naples, FL | 1.0–2.0 | 1.0–2.0 | 739 | $1,625 | $2.20 | 6d | 3 | 0.29mi |
| 225 Turtle Lake Ct Naples, FL | 1.0–2.0 | 1.0–2.0 | 740 | $1,450 | $1.96 | 5d | 3 | 0.32mi |
| 150 Turtle Lake Ct #307 Naples, FL | 1.0 | 1.0 | 638 | $1,500 | $2.35 | 6d | 1 | 0.33mi |
| 150 Turtle Lake Ct #307 Naples, FL | 1.0 | 1.0 | 638 | $1,500 | $2.35 | 119d | 1 | 0.33mi |
| 100 Forest Lakes Blvd Naples, FL | 1.0–2.0 | 2.0 | 842 | $1,695 | $2.01 | 109d | 3 | 0.33mi |
| 3809 Park St Naples, FL | 1.0–3.0 | 1.0–2.5 | 881 | $1,600 | $1.82 | 6d | 91 | 0.34mi |
| 101 Forest Lakes Blvd #203 Naples, FL | 2.0 | 2.0 | 1000 | $1,900 | $1.90 | 0d | 1 | 0.35mi |
| 175 Turtle Lake Ct Naples, FL | 1.0–2.0 | 1.0–2.0 | 740 | $1,450 | $1.96 | 109d | 2 | 0.36mi |
| 175 Turtle Lake Ct #210 Naples, FL | 2.0 | 2.0 | 842 | $3,000 | $3.56 | 6d | 1 | 0.37mi |
| 200 Forest Lakes Blvd Naples, FL | 2.0 | 2.0 | 842 | $1,900 | $2.26 | 6d | 1 | 0.43mi |
| 200 Forest Lakes Blvd #111 Naples, FL | 2.0 | 2.0 | 842 | $3,100 | $3.68 | 109d | 1 | 0.43mi |
| 499 Forest Lakes Blvd #105 Naples, FL | 2.0 | 2.0 | 919 | $1,950 | $2.12 | 109d | 1 | 0.49mi |
| 499 Forest Lakes Blvd #105 Naples, FL | 2.0 | 2.0 | 919 | $4,000 | $4.35 | 6d | 1 | 0.49mi |
| 300 Forest Lakes Blvd Naples, FL | 2.0 | 2.0 | 842 | $2,700 | $3.21 | 119d | 2 | 0.50mi |
| 400 Forest Lakes Blvd Naples, FL | 1.0–2.0 | 1.0–2.0 | 740 | $1,995 | $2.70 | 6d | 2 | 0.57mi |
| 1545 Oyster Catcher Pt Unit A Naples, FL | 2.0 | 2.0 | 1124 | $2,200 | $1.96 | 109d | 1 | 0.58mi |
| 501 Forest Lakes Blvd #111 Naples, FL | 2.0 | 2.0 | 919 | $3,800 | $4.13 | 6d | 1 | 0.59mi |
| 1554 Oyster Catcher Pt Unit C Naples, FL | 2.0 | 2.0 | 1124 | $2,900 | $2.58 | 119d | 1 | 0.62mi |
| 1400 Pompei Ln Naples, FL | 2.0 | 2.0 | 1012 | $1,888 | $1.86 | 119d | 2 | 0.68mi |
| 1400 Pompei Ln #6 Naples, FL | 2.0 | 2.0 | 1100 | $1,800 | $1.64 | 6d | 1 | 0.68mi |
| 1400 Pompei Ln Unit O-21 Naples, FL | 2.0 | 2.0 | 1025 | $2,200 | $2.15 | 119d | 1 | 0.68mi |
| 1400 Pompei Ln Unit S-21 Naples, FL | 2.0 | 2.0 | 1025 | $3,000 | $2.93 | 119d | 1 | 0.68mi |
| 5934 Premier Way Naples, FL | 1.0–3.0 | 1.0–3.0 | 1350 | $2,292 | $1.70 | 0d | 26 | 0.72mi |
| 4525 Fluvia Ave Naples, FL | 2.0 | 1.0 | 1050 | $4,500 | $4.29 | 6d | 1 | 0.84mi |
Property features AI
Finance
- Other
- Unit is in a complex of multiple buildings (135 units total; 27 units in this building)Located in the FOREST LAKES developmentUnit on second floor (unit #7205 within development info provided)
- HOA & community
- Mandatory HOA with professional managementQuarterly master HOA feeAmenities include community pool, cabana, tennis court, streetlight, and golf course accessHOA maintenance covers cable, internet/WiFi, irrigation, laundry facilities, lawn/land maintenance, legal/accounting, reserves, security, sewer, street maintenance, trash removal and waterTotal annual recurring HOA fees listed
Exterior
- Parking
- 1 assigned parking space
- Utilities
- Central waterCentral sewerCable available
- Home design
- Residential low-rise (1–3) multi-story homeRear exposure to the east
- Construction
- Concrete block constructionBuilt-up or flat roofBuilt in 1976
- Exterior features
- Stucco exteriorSingle hung windowsGolf course viewAccess roadDeeded restrictions
Interior
- Kitchen
- Electric cooktopDishwasherMicrowaveRefrigerator/Freezer
- Bedrooms
- 1 bedroom
- Flooring
- Tile flooring
- Bathrooms
- 1 full bathroom with shower only
- Heating & cooling
- Central electric heatCentral electric cooling
- Interior features
- Cable prewireEat-in kitchenTurnkey furnishedCommon elevator
HOA detail $745/mo · $8,940/yr condo
- Likely covers
- water
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-09-24days on market $129,900 Active 150 DOM
-
2026-09-23days on market $129,900 Active 149 DOM
-
2026-09-22days on market $129,900 Active 148 DOM
-
2026-09-21days on market $129,900 Active 147 DOM
-
2026-09-20days on market $129,900 Active 146 DOM
-
2026-09-18days on market $129,900 Active 144 DOM
-
2026-09-17days on market $129,900 Active 143 DOM
-
2026-09-16days on market $129,900 Active 142 DOM
-
2026-09-15days on market $129,900 Active 141 DOM
-
2026-09-14days on market $129,900 Active 140 DOM
-
2026-09-13days on market $129,900 Active 139 DOM
-
2026-09-12days on market $129,900 Active 138 DOM
-
2026-09-11days on market $129,900 Active 137 DOM
-
2026-09-05days on market $129,900 Active 131 DOM
-
2026-09-04days on market $129,900 Active 130 DOM
-
2026-09-03days on market $129,900 Active 129 DOM
-
2026-08-31days on market $129,900 Active 126 DOM
-
2026-08-30days on market $129,900 Active 125 DOM
-
2026-08-29days on market $129,900 Active 124 DOM
-
2026-08-28remarks 693-char remark
-
2026-08-28pricedays on market $129,900 Active 123 DOM
-
2026-08-27days on market $145,000 Active 122 DOM
-
2026-08-26days on market $145,000 Active 121 DOM
-
2026-08-25days on market $145,000 Active 120 DOM
-
2026-08-24days on market $145,000 Active 119 DOM
-
2026-08-23days on market $145,000 Active 118 DOM
-
2026-08-22days on market $145,000 Active 117 DOM
-
2026-08-21days on market $145,000 Active 116 DOM
-
2026-08-20days on market $145,000 Active 115 DOM
-
2026-08-19days on market $145,000 Active 114 DOM
-
2026-08-18days on market $145,000 Active 113 DOM
-
2026-08-16days on market $145,000 Active 111 DOM
-
2026-08-15days on market $145,000 Active 110 DOM
-
2026-08-13days on market $145,000 Active 108 DOM
-
2026-08-12days on market $145,000 Active 107 DOM
-
2026-08-11days on market $145,000 Active 106 DOM
-
2026-08-10days on market $145,000 Active 105 DOM
-
2026-08-09days on market $145,000 Active 104 DOM
-
2026-08-08days on market $145,000 Active 103 DOM
-
2026-08-07days on market $145,000 Active 102 DOM
-
2026-08-06days on market $145,000 Active 101 DOM
-
2026-08-05days on market $145,000 Active 100 DOM
-
2026-08-04days on market $145,000 Active 99 DOM
-
2026-08-03days on market $145,000 Active 98 DOM
-
2026-07-31days on market $145,000 Active 95 DOM
-
2026-07-30days on market $145,000 Active 94 DOM
-
2026-07-29days on market $145,000 Active 93 DOM
-
2026-07-27days on market $145,000 Active 91 DOM
-
2026-07-25days on market $145,000 Active 89 DOM
-
2026-07-24days on market $145,000 Active 88 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 7/10 Severe FEMA zone X (shaded) · 75% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 27 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 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
- $25,498
- − Mortgage interest
- −$7,276
- − Property taxes
- −$1,948
- − Insurance
- −$1,447
- − Repairs & maintenance
- −$2,040
- − Management
- −$2,040
- − HOA
- −$8,940
- − Depreciation
- −$3,779
- Taxable loss
- −$1,973
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$473
- After-tax cash flow
- $107/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
80/100
Cosmetic rehab
Est. rehab $3,830–$11,490 screening
This turnkey, completely redone 1-bedroom, 1-bath golf course residence in Naples offers a fresh, modern look with no visible repairs or maintenance needed. The property is move-in ready and has the potential to be a great investment.
Value-add opportunities
- Both Painting — Fresh paint enhances curb appeal and interior aesthetics ↑
- Both Landscaping — Well-maintained landscaping improves curb appeal and adds value ↑
- Both New window treatments — Roller shades are functional but could be updated for a more modern look ↑
ⓘ 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.
B
Composite school gradezoned avg 74/100
Zoned Schools
Elementary
Sea Gate Elementary School
A+
FL #60/2,144
Nat'l #736/41,679
Middle
Pine Ridge Middle School
A
FL #52/571
Nat'l #685/14,009
High
Barron Collier High School
B
FL #76/667
Nat'l #2,785/17,239
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
A
Composite livability gradescore 80/100
Livability — Naples
- Score
- 80/100
- State rank
- #126
- US rank
- #1903
Category grades
Amenities A+
Commute D+
Cost of living F
Crime A+
Employment A+
Housing C+
Health & safety A+
User ratings C+
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Collier County · 420,858 people
- City population
- 344,941
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 15,441
- Household income
- $92,214
- Rent vs Own
- Severe rent burden
- 13% of renters
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 14% Two or more races 7% Asian 5%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 1% Cuban 3% Salvadoran 1%
- Common ancestry
- Romanian 3% Lithuanian 3% Italian 3%
- Foreign-born
- 22% · Canada, China, Jamaica
- Languages at home
- 77% English-only · Spanish 11% Other Indo-European 3% Russian/Polish/Slavic 3%
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
- ▼ -124.65%
- Current HPI
- 283.9084
- Rent YoY
- ▲ 0.85%
- 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 |
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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
+16.0% since first listed3 events — show timeline
- 2026-05-16 Price Changed $145,000 NAPLESMLS
- 2026-05-13 Price Changed $135,000 NAPLESMLS
- 2026-04-27 Listed $125,000 NAPLESMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…