2100 Kings Hwy #341 · Port Charlotte, FL 33980

$190,000

3 bd · 2.0 ba · 1,440 sqft · Manufactured · 430 Days on market

Built 2007 5,000 sqft lot Est $249k · 24% under $396/mo HOA · 18% of rent

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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 +18.7/30.0
• ARV discount +15.0/15.0
• 1% rule +6.8/10.0
• DSCR +5.9/10.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +1.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Maple Leaf Golf and Country Club 18 Hole Golf Course, Tennis, 4 Swimming Pools, Clubhouses, Fishing Lakes, Bocce, Lawn Bowling, Mini Putt , Horseshoes, Shuffleboard, Arts & Crafts, Cards, Bingo, Wood Working Shop, Ceramics, Computer Club, Bar & RestaurantMaple Leaf Golf & Country Club is a 55+ Resident Owned Community SOLD AS IS WITH RIGHT TO INSPECT

Key facts

• Oversized carport
• Lowest hoa fee
• 5,000 sq ft lot

Tags

• GATED GOLF COURSE COMMUNITY
• LARGE SCREENED IN LANAI
• OVERSIZED CARPORT
• LOWEST HOA FEE
• AMENITY-RICH COMMUNITY
• LIGHTED TENNIS COURTS

Property features AI

Finance

• Other: Furnished (as listed)
• Financial info: Lease restrictions apply
• HOA & community: Monthly HOA fee of $365; Association approval required; HOA amenities: clubhouse, fitness center, pool, spa/hot tub, sauna, tennis courts, pickleball courts, shuffleboard, gated community, private road, security, optional additional fees, fence restrictions; Senior community; Pets allowed (dogs OK with breed restrictions); Golf and golf cart friendly

Exterior

• Parking: Carport with 2 spaces; Oversized driveway
• Security: Gated community with 24-hour guard (community security included in HOA)
• Utilities: Public water; Public sewer; Electricity connected; Cable available
• Home design: Manufactured home (double wide); One story; Southwest-facing; Completed / move-in ready
• Construction: Vinyl siding; Shingle roof; Crawlspace foundation
• Exterior features: Covered patio / porch; Deck; Enclosed porch; Front porch; Screened porch; Exterior storage

Interior

• Kitchen: Range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Laminate; Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Crown molding; High ceilings; Living room / dining room combo; Open floorplan; Inside utility room
• Laundry & utility: Inside laundry room; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $190k.

Deal economics

• At list price, monthly cash flow is $187 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $167k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.5% vs local median 4.4% in Port Charlotte — 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 65/100 on livability (#655 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, employment D, amenities F.
• 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.
• Market conditions: Rents falling (-4.0%/yr); 600 active listings in the ZIP; 23 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 42% of the median local income ($64k/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 $1k of loan paydown is wiped out by about $6k 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 430 days — a 12% lower offer ($167k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 16y ago; this cycle's ask has dropped $48k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $12k; list at $190k implies a 1483% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $167,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 430 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 7.48%
• Cash-on-cash: 4.23%
• DSCR: 1.19
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $249,120
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2100 Kings Hwy #1005	0.10mi	2/2.0 (-1)	1,302 (-10%)	9mo	$225,000	$173	67
2100 Kings Hwy #867	0.53mi	2/2.0 (-1)	1,260 (-12%)	12mo	$195,000	$155	39

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: -13.6%
• Equity multiple: 0.53×
• Total profit: $-25,206
• Equity at exit: $28,330

10-year hold

• IRR: -11.6%
• Equity multiple: 0.42×
• Total profit: $-31,101
• Equity at exit: $16,428

Cash invested: $53,200 (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 33980

• Home prices YoY: -5.0%
• Rents YoY: -4.0%
• Active inventory: 600
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $2,236 high
• Mortgage (P&I): −$996
• Tax from tax record: −$108 /mo · $1,290/yr
• Insurance: −$79
• HOA: −$396
• Vacancy / Maint / Mgmt: −$470
• Net cashflow: $187

Break-even live

Break-even rent $1,999

Max offer price $190,000

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1999 Kings Hwy Port Charlotte, FL	2.0	1.0–2.0	906	$1,800	$1.99	21d	2	0.31mi
1829 Knights Bridge Trl Punta Gorda, FL	2.0	2.0	1509	$2,000	$1.33	21d	1	0.61mi
1200 Loveland Blvd Punta Gorda, FL	1.0–3.0	1.0–2.0	1151	$2,660	$2.31	13d	276	0.67mi
1867 Nottingham Trl Punta Gorda, FL	3.0	2.0	1646	$2,000	$1.22	21d	1	0.72mi
1670 Royal Ct Punta Gorda, FL	2.0	2.0	1393	$2,400	$1.72	21d	1	0.73mi
24401 Manchester Trl Punta Gorda, FL	2.0	2.0	1382	$2,000	$1.45	21d	1	0.76mi
1717 Sunderland Dr Punta Gorda, FL	2.0	2.0	1402	$2,800	$2.00	21d	1	0.87mi
24472 Manchester Trl Punta Gorda, FL	2.0	2.0	1373	$1,900	$1.38	21d	1	0.90mi
23367 Mayville Ave Punta Gorda, FL	4.0	2.0	1532	$2,300	$1.50	21d	1	0.98mi
1314 Beacon Dr Port Charlotte, FL	3.0	2.0	1783	$2,500	$1.40	21d	1	1.01mi
1516 Abel St Port Charlotte, FL	3.0	2.0	1874	$2,200	$1.17	21d	1	1.04mi
23184 Glory Ave Port Charlotte, FL	2.0	2.0	1370	$2,000	$1.46	21d	1	1.12mi
1471 Capricorn Blvd Unit A Punta Gorda, FL	3.0	2.0	1450	$1,900	$1.31	13d	1	1.15mi
1499 Capricorn Blvd Port Charlotte, FL	2.0	2.0	980	$1,495	$1.53	21d	1	1.16mi
24484 Zephyr Ct Unit 24484 Punta Gorda, FL	3.0	2.0	1255	$1,695	$1.35	21d	1	1.17mi
2421 Ivanhoe St Port Charlotte, FL	2.0	2.0	1396	$3,300	$2.36	13d	1	1.22mi
24151 Beatrix Blvd Port Charlotte, FL	3.0	1.0–2.0	990	$2,272	$2.29	13d	28	1.23mi
24145 Green Heron Dr Port Charlotte, FL	2.0	2.0	1512	$1,900	$1.26	21d	1	1.27mi
2451 Aquilos Ct Port Charlotte, FL	2.0	2.0	1307	$2,000	$1.53	13d	1	1.33mi
25225 Rampart Blvd Punta Gorda, FL	2.0	2.0	886	$1,925	$2.17	21d	5	1.35mi
1636 Hayworth Rd Port Charlotte, FL	2.0	2.0	884	$1,300	$1.47	21d	1	1.41mi
1235 Desmond St Port Charlotte, FL	4.0	2.0	1833	$1,866	$1.02	21d	1	1.43mi
1195 Desmond St Port Charlotte, FL	3.0	2.0	1388	$1,716	$1.24	21d	1	1.46mi

HOA detail

• Monthly dues: $396 · $4,752/yr
• Likely covers: pool

Listing history 25 events

1. 2026-06-18
   days on market $190,000 Active 430 DOM
2. 2026-06-17
   days on market $190,000 Active 429 DOM
3. 2026-06-16
   days on market $190,000 Active 428 DOM
4. 2026-06-15
   days on market $190,000 Active 427 DOM
5. 2026-06-14
   days on market $190,000 Active 425 DOM
6. 2026-06-13
   days on market $190,000 Active 424 DOM
7. 2026-06-10
   days on market $190,000 Active 422 DOM
8. 2026-06-09
   days on market $190,000 Active 421 DOM
9. 2026-06-08
   days on market $190,000 Active 420 DOM
10. 2026-06-05
    days on market $190,000 Active 416 DOM
11. 2026-06-02
    days on market $190,000 Active 414 DOM
12. 2026-06-01
    days on market $190,000 Active 413 DOM
13. 2026-05-31
    days on market $190,000 Active 412 DOM
14. 2026-05-30
    days on market $190,000 Active 411 DOM
15. 2026-05-09
    price $190,000
16. 2026-01-26
    price $205,000
17. 2025-08-27
    price $218,000
18. 2025-04-14
    listed $237,900 Active
19. 2025-04-11
    historical
20. 2025-01-30
    price $237,900
21. 2024-12-29
    price $242,900
22. 2024-10-04
    listed $252,900 Active
23. 2010-03-31
    soldstatus $12,000 372-char remark

    Show marketing remark (372 chars)

    Maple Leaf Golf and Country Club 18 Hole Golf Course, Tennis, 4 Swimming Pools, Clubhouses, Fishing Lakes, Bocce, Lawn Bowling, Mini Putt , Horseshoes, Shuffleboard, Arts & Crafts, Cards, Bingo, Wood Working Shop, Ceramics, Computer Club, Bar & RestaurantMaple Leaf Golf & Country Club is a 55+ Resident Owned Community SOLD AS IS WITH RIGHT TO INSPECT

24. 2010-01-30
    listed $12,000 372-char remark

    Show marketing remark (372 chars)

    Maple Leaf Golf and Country Club 18 Hole Golf Course, Tennis, 4 Swimming Pools, Clubhouses, Fishing Lakes, Bocce, Lawn Bowling, Mini Putt , Horseshoes, Shuffleboard, Arts & Crafts, Cards, Bingo, Wood Working Shop, Ceramics, Computer Club, Bar & RestaurantMaple Leaf Golf & Country Club is a 55+ Resident Owned Community SOLD AS IS WITH RIGHT TO INSPECT

25. 2003-01-01
    soldstatus $27,000

ⓘ 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: $1,290 · $108/mo
• Projected year-2 tax: $1,577 · $131/mo
• Expected delta: +$287/yr (+$24/mo · 22.2%)

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 13% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,833
• − Mortgage interest: −$10,643
• − Property taxes: −$1,290
• − Insurance: −$950
• − Repairs & maintenance: −$2,147
• − Management: −$2,147
• − HOA: −$4,752
• − Depreciation: −$5,527
• Taxable loss: −$623
• Est. tax savings @ 24.0%: +$149
• After-tax cash flow: $2,399/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 — Port Charlotte

• Score: 65/100
• State rank: #655
• US rank: #13081

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Charlotte County · 196,994 people
• City population: 102,180
• Metro: Punta Gorda, FL
• Population (ZIP): 13,120
• Household income: $63,591
• Rent vs Own: 24.3% rent · 75.7% own
• Severe rent burden: 612.0

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 (75%)
• Race & ethnicity: White 75% Hispanic / Latino 10% Two or more races 10% Black 9%
• Hispanic origin (detail): Puerto Rican 3% Cuban 2% Dominican 2%
• Common ancestry: Romanian 5% Hispanic 4% Slovak 3%
• Foreign-born: 16% · Canada, Jamaica
• Languages at home: 85% English-only · Spanish 8% French/Haitian/Cajun 5% 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: ▼ -16.02%
• Current HPI: 306.3331
• Rent YoY: ▼ -4.04%
• 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

+603.7% since first listed

11 events — show timeline

• 2026-05-09 Price Changed $190,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-26 Price Changed $205,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-27 Price Changed $218,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-14 Listed $237,900 Stellar MLS as Distributed by MLS Grid
• 2025-04-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-01-30 Price Changed $237,900 Stellar MLS as Distributed by MLS Grid
• 2024-12-29 Price Changed $242,900 Stellar MLS as Distributed by MLS Grid
• 2024-10-04 Listed $252,900 Stellar MLS as Distributed by MLS Grid
• 2010-03-31 Sold (MLS) $12,000 Stellar MLS as Distributed by MLS Grid
• 2010-01-30 Listed $12,000 Stellar MLS as Distributed by MLS Grid
• 2003-01-01 Sold (Public Records) $27,000 Public Records

Property tax history

-5.3%/yr

Latest (2019): $1,290 · -3.2% YoY. Source: county tax records.