18460 Ackerman Ave · Port Charlotte, FL 33948

$239,900

3 bd · 2.0 ba · 1,684 sqft · SingleFamily public records · 6 Days on market

Built 1988 10,000 sqft lot Est $347k · 31% under

---

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 +15.0/15.0
• DSCR +7.0/10.0
• 1% rule +5.7/10.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful home with enough space to relax and entertain. Close to Port Charlotte Beach Park and the Gulf of Mexico beaches. Check out the 360 tour. The kitchen has brand new appliances and beautiful solid wood cabinets. The kitchen has an eat at bar. The dining room is off the kitchen which makes serving meals simple. Family/dining area adjoins the living room which makes a large area for relaxing or entertaining. Two bedrooms, a bathroom and the master bedroom with en suite are just down the hall from the living room. The backyard has a lot of room for activities. There is a wood deck under the large tree in the backyard in addition to the screened patio. Shopping and services are a short drive away.

Key facts

• Built in pantry
• Huge kitchen
• Vinyl privacy fence

Tags

• PRIMARY BATHROOM REMODEL
• HUGE KITCHEN
• BUILT IN PANTRY
• WOOD CUSTOM CABINETS
• SCREENED IN LANAI
• VINYL PRIVACY FENCE

Property features AI

Finance

• Other: Homestead exempt; Zoned RSF3.5; Lot approximately 0.23 acre (80 x 125); Living area reported as 1,684 sq ft (public records); Unfurnished

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; Sewer connected; Water connected
• Home design: Single family residence; One story; Faces north
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built with 2380 total building area (public records)
• Exterior features: Rear screened porch; Vinyl fencing; Level lot; City limits; Concrete road access

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator; Solid surface counters; Solid wood cabinets; Eat-in kitchen
• Bedrooms: 3 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Solid surface counters; Solid wood cabinets; Thermostat; Skylight(s); Sliding doors
• Laundry & utility: Inside laundry room; Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-44 ($-531/yr) — negative.
• To cash-flow at today's rent, offer at most $232k (3.3% below list).
• Meets the 1% rule at list price ($3k rent vs $240k).
• Recommended offer: $232k (3.3% below list) — sets the bar for cash-flow.
• Cap rate 8.2% vs local median 4.2% 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: employment D, amenities F, commute 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.
• Zoned schools: Meadow Park Elementary School (math 61% / reading 56%, grade B-, #735 of 2,144 statewide, top 35%, 701 students, 59% FRL); Murdock Middle School (math 50% / reading 45%, grade C-, #288 of 571 statewide, top 51%, 577 students, 56% FRL); Port Charlotte High School (math 23% / reading 38%, grade F, #434 of 667 statewide, top 66%, 1,649 students, 43% FRL) — zoned schools at 53% FRL track the district average.
• Market conditions: Rents soft (-1.6%/yr); 963 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• At $2,566/mo this rent would consume 49% of the median local household income ($63k/yr) (locally 501% 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 (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 12y ago 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.
• Current owner paid $190k; 26% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $232,087 (3.3% below list)

Questions for the listing agent

1. 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?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.07% ✓
• Cap rate: 8.21%
• Cash-on-cash: 6.83%
• DSCR: 1.30
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $346,904
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4323 Shappell St	0.06mi	3/2.0	1,727 (+3%)	1mo	$290,000	$168	92
18320 Driggers Ave	0.35mi	3/2.0	1,765 (+5%)	3mo	$310,000	$176	73
4310 Albacore Cir	0.30mi	2/2.0 (-1)	1,606 (-5%)	2mo	$307,000	$191	71
18579 Mccoy Ave	0.48mi	3/2.0	1,755 (+4%)	10mo	$359,000	$205	62
18241 Edgewater Dr	0.68mi	3/2.0	1,633 (-3%)	3mo	$285,000	$175	61
18698 Ashcroft Cir	0.72mi	3/2.0	1,666 (-1%)	19mo	$251,000	$151	49
18710 Ackerman Ave	0.50mi	3/2.0	1,456 (-14%)	8mo	$300,000	$206	47
4106 Yucatan Cir	0.51mi	3/2.0	1,871 (+11%)	14mo	$590,000	$315	46
18251 Merchants Ave	0.56mi	3/2.0	1,799 (+7%)	20mo	$420,000	$233	46
4334 Wynkoop Cir	0.43mi	2/2.0 (-1)	1,436 (-15%)	10mo	$375,000	$261	42
4243 Rock Creek Dr	0.66mi	3/2.0	1,521 (-10%)	22mo	$385,000	$253	34
4079 Gallo St	0.48mi	3/3.0	1,442 (-14%)	23mo	$370,000	$257	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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -21.8%
• Equity multiple: 0.27×
• Total profit: $-48,918
• Equity at exit: $35,770

10-year hold

• IRR: -28.8%
• Equity multiple: -0.10×
• Total profit: $-74,097
• Equity at exit: $20,742

Cash invested: $67,172 (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 33948

• Home prices YoY: -14.9%
• Rents YoY: -1.6%
• Active inventory: 963
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $2,566 high
• Mortgage (P&I): −$1,258
• Tax from tax record: −$287 /mo · $3,442/yr
• Insurance: −$100
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$539
• Net cashflow: $-44

Break-even live

Break-even rent $2,622

Max offer price $232,087

Occupancy floor 97%

Sensitivity live

Price	-10% $92	-5% $24	+0% $-44	+5% $-112	+10% $-180
Rent	-10% $-247	-5% $-146	+0% $-44	+5% $57	+10% $158
Rate	-1.0pp $77	-0.5pp $17	base $-44	+0.5pp $-106	+1.0pp $-170

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: $59,975
• Closing costs: $7,197
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4232 Swensson St Port Charlotte, FL	4.0	2.5	2054	$2,245	$1.09	15d	1	0.10mi
18634 Goodman Cir Port Charlotte, FL	3.0	1.5	1182	$1,700	$1.44	15d	1	0.15mi
18608 Alphonse Cir Port Charlotte, FL	3.0	2.0	1441	$4,000	$2.78	23d	1	0.19mi
4399 Mundella Cir Port Charlotte, FL	3.0	2.0	1140	$3,200	$2.81	23d	1	0.34mi
4518 Wynkoop Cir Port Charlotte, FL	2.0	2.0	1409	$1,995	$1.42	15d	1	0.34mi
18312 Driggers Ave Port Charlotte, FL	3.0	2.0	1428	$5,400	$3.78	23d	1	0.35mi
4112 Gingold St Port Charlotte, FL	2.0	1.5	1056	$3,300	$3.12	23d	1	0.37mi
4192 Gingold St Port Charlotte, FL	3.0	2.0	1127	$4,200	$3.73	23d	1	0.38mi
4670 Herman Cir Port Charlotte, FL	3.0	2.0	1350	$2,200	$1.63	23d	1	0.46mi
18522 Robinson Ave Port Charlotte, FL	3.0	2.0	1252	$2,000	$1.60	23d	1	0.51mi
18310 Burkholder Cir Port Charlotte, FL	3.0	2.0	1753	$3,250	$1.85	23d	1	0.51mi
4342 Ewing Cir Port Charlotte, FL	3.0	2.0	1260	$2,500	$1.98	23d	1	0.56mi
18686 Van Nuys Cir Port Charlotte, FL	3.0	2.0	1168	$1,600	$1.37	23d	1	0.59mi
18289 Wolbrette Cir Port Charlotte, FL	2.0	2.0	1393	$4,000	$2.87	23d	1	0.60mi
18810 Ashcroft Cir Port Charlotte, FL	3.0	2.0	1387	$3,800	$2.74	23d	1	0.76mi
18353 Grace Ave Port Charlotte, FL	3.0	2.0	1658	$2,100	$1.27	23d	1	0.79mi
18058 Avonsdale Cir Port Charlotte, FL	3.0	2.0	1453	$4,000	$2.75	23d	1	0.91mi
18019 Avonsdale Cir Port Charlotte, FL	3.0	2.0	1202	$1,900	$1.58	23d	1	0.99mi
1148 Salina Ave Port Charlotte, FL	3.0	2.0	1449	$3,000	$2.07	23d	1	1.00mi
4306 Joseph St Port Charlotte, FL	4.0	2.0	1636	$2,600	$1.59	15d	1	1.08mi
262 Grenada St Port Charlotte, FL	3.0	2.0	1650	$1,845	$1.12	23d	1	1.16mi
1174 Victoria Ave Port Charlotte, FL	2.0	2.0	1092	$1,650	$1.51	23d	1	1.18mi
18423 Elgin Ave Port Charlotte, FL	4.0	2.0	1636	$2,200	$1.34	23d	1	1.21mi
17364 Sabrina Cir Port Charlotte, FL	3.0	2.0	1204	$1,980	$1.64	23d	1	1.25mi
17377 Lake Worth Blvd Port Charlotte, FL	3.0	2.0	1522	$5,900	$3.88	15d	1	1.27mi
285 Millport St NW Port Charlotte, FL	3.0	2.0	1651	$2,200	$1.33	23d	1	1.37mi
18407 Avon Ave Port Charlotte, FL	2.0	2.0	1508	$1,775	$1.18	23d	1	1.39mi
326 Millport St NW Port Charlotte, FL	3.0	2.0	1459	$2,400	$1.64	23d	1	1.40mi
334 Millport St NW Port Charlotte, FL	3.0	2.0	1459	$2,400	$1.64	23d	1	1.41mi
342 Millport St NW Port Charlotte, FL	3.0	2.0	1331	$2,250	$1.69	23d	1	1.42mi
1225 Armsdale Ave Port Charlotte, FL	3.0	2.0	1140	$1,525	$1.34	23d	1	1.44mi

Listing history 26 events

1. 2026-05-17
   status Pending
2. 2026-05-11
   listed $239,900 Active
3. 2020-08-14
   soldstatus $190,000 Sold 710-char remark

   Show marketing remark (710 chars)

   Beautiful home with enough space to relax and entertain. Close to Port Charlotte Beach Park and the Gulf of Mexico beaches. Check out the 360 tour. The kitchen has brand new appliances and beautiful solid wood cabinets. The kitchen has an eat at bar. The dining room is off the kitchen which makes serving meals simple. Family/dining area adjoins the living room which makes a large area for relaxing or entertaining. Two bedrooms, a bathroom and the master bedroom with en suite are just down the hall from the living room. The backyard has a lot of room for activities. There is a wood deck under the large tree in the backyard in addition to the screened patio. Shopping and services are a short drive away.

4. 2020-08-14
   soldstatus $190,000

   Show marketing remark (710 chars)

   Beautiful home with enough space to relax and entertain. Close to Port Charlotte Beach Park and the Gulf of Mexico beaches. Check out the 360 tour. The kitchen has brand new appliances and beautiful solid wood cabinets. The kitchen has an eat at bar. The dining room is off the kitchen which makes serving meals simple. Family/dining area adjoins the living room which makes a large area for relaxing or entertaining. Two bedrooms, a bathroom and the master bedroom with en suite are just down the hall from the living room. The backyard has a lot of room for activities. There is a wood deck under the large tree in the backyard in addition to the screened patio. Shopping and services are a short drive away.

5. 2020-07-05
   status Pending 710-char remark

   Show marketing remark (710 chars)

   Beautiful home with enough space to relax and entertain. Close to Port Charlotte Beach Park and the Gulf of Mexico beaches. Check out the 360 tour. The kitchen has brand new appliances and beautiful solid wood cabinets. The kitchen has an eat at bar. The dining room is off the kitchen which makes serving meals simple. Family/dining area adjoins the living room which makes a large area for relaxing or entertaining. Two bedrooms, a bathroom and the master bedroom with en suite are just down the hall from the living room. The backyard has a lot of room for activities. There is a wood deck under the large tree in the backyard in addition to the screened patio. Shopping and services are a short drive away.

6. 2020-07-01
   price $190,000 710-char remark

   Show marketing remark (710 chars)

   Beautiful home with enough space to relax and entertain. Close to Port Charlotte Beach Park and the Gulf of Mexico beaches. Check out the 360 tour. The kitchen has brand new appliances and beautiful solid wood cabinets. The kitchen has an eat at bar. The dining room is off the kitchen which makes serving meals simple. Family/dining area adjoins the living room which makes a large area for relaxing or entertaining. Two bedrooms, a bathroom and the master bedroom with en suite are just down the hall from the living room. The backyard has a lot of room for activities. There is a wood deck under the large tree in the backyard in addition to the screened patio. Shopping and services are a short drive away.

7. 2020-05-04
   price $200,000 710-char remark

   Show marketing remark (710 chars)

   Beautiful home with enough space to relax and entertain. Close to Port Charlotte Beach Park and the Gulf of Mexico beaches. Check out the 360 tour. The kitchen has brand new appliances and beautiful solid wood cabinets. The kitchen has an eat at bar. The dining room is off the kitchen which makes serving meals simple. Family/dining area adjoins the living room which makes a large area for relaxing or entertaining. Two bedrooms, a bathroom and the master bedroom with en suite are just down the hall from the living room. The backyard has a lot of room for activities. There is a wood deck under the large tree in the backyard in addition to the screened patio. Shopping and services are a short drive away.

8. 2020-04-02
   price $206,299 710-char remark

   Show marketing remark (710 chars)

   Beautiful home with enough space to relax and entertain. Close to Port Charlotte Beach Park and the Gulf of Mexico beaches. Check out the 360 tour. The kitchen has brand new appliances and beautiful solid wood cabinets. The kitchen has an eat at bar. The dining room is off the kitchen which makes serving meals simple. Family/dining area adjoins the living room which makes a large area for relaxing or entertaining. Two bedrooms, a bathroom and the master bedroom with en suite are just down the hall from the living room. The backyard has a lot of room for activities. There is a wood deck under the large tree in the backyard in addition to the screened patio. Shopping and services are a short drive away.

9. 2020-03-24
   listed $224,900 Active 710-char remark

   Show marketing remark (710 chars)

   Beautiful home with enough space to relax and entertain. Close to Port Charlotte Beach Park and the Gulf of Mexico beaches. Check out the 360 tour. The kitchen has brand new appliances and beautiful solid wood cabinets. The kitchen has an eat at bar. The dining room is off the kitchen which makes serving meals simple. Family/dining area adjoins the living room which makes a large area for relaxing or entertaining. Two bedrooms, a bathroom and the master bedroom with en suite are just down the hall from the living room. The backyard has a lot of room for activities. There is a wood deck under the large tree in the backyard in addition to the screened patio. Shopping and services are a short drive away.

10. 2015-02-02
    soldstatus $98,750
11. 2015-01-30
    soldstatus $98,750 Sold 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

12. 2015-01-27
    status Pending 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

13. 2014-12-12
    historical Active with Contract 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

14. 2014-12-03
    status Active 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

15. 2014-11-21
    status Pending 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

16. 2014-10-31
    status Active 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

17. 2014-10-30
    status Pending 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

18. 2014-08-01
    status Active 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

19. 2014-06-10
    historical 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

20. 2014-05-02
    price $104,900 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

21. 2014-05-02
    price $94,900 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

22. 2014-05-02
    price $99,900 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

23. 2014-05-02
    status Pending 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

24. 2014-05-02
    status Active 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

25. 2014-05-02
    price $109,900 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

26. 2014-03-06
    listed $114,900 Active 204-char remark

    Show marketing remark (204 chars)

    Nice size 3 bed 2 bath home in quite area with beautiful oak trees and nice size screened lanai . Large kitchen for those family gatherings. Centrally located to shopping and Dining. Call for appt today.

ⓘ 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: $3,442 · $287/mo
• Projected year-2 tax: $3,442 · $287/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 9/10 Extreme FEMA zone AE · 99% 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 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,793
• − Mortgage interest: −$13,438
• − Property taxes: −$3,442
• − Insurance: −$6,318
• − Repairs & maintenance: −$2,463
• − Management: −$2,463
• − Depreciation: −$6,979
• Taxable loss: −$4,311
• Est. tax savings @ 24.0%: +$1,035
• After-tax cash flow: $504/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

• Census place: Port Charlotte, FL
• County: Charlotte County · 196,994 people
• City population: 102,180
• Metro: Punta Gorda, FL
• Population (ZIP): 18,696
• Household income: $62,744
• Rent vs Own: 13.8% rent · 86.2% own
• Severe rent burden: 501.0

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 (79%)
• Race & ethnicity: White 79% Two or more races 8% Black 7% Hispanic / Latino 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Lithuanian 5% Romanian 4% Iranian 2%
• Foreign-born: 11% · Canada
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 2% Other Indo-European 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: ▼ -55.31%
• Current HPI: 315.0548
• Rent YoY: ▼ -1.63%
• 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

+108.8% since first listed

26 events — show timeline

• 2026-05-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-11 Listed $239,900 Stellar MLS as Distributed by MLS Grid
• 2020-08-14 Sold (Public Records) $190,000 Public Records
• 2020-08-14 Sold (MLS) $190,000 Stellar MLS as Distributed by MLS Grid
• 2020-07-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-07-01 Price Changed $190,000 Stellar MLS as Distributed by MLS Grid
• 2020-05-04 Price Changed $200,000 Stellar MLS as Distributed by MLS Grid
• 2020-04-02 Price Changed $206,299 Stellar MLS as Distributed by MLS Grid
• 2020-03-24 Listed $224,900 Stellar MLS as Distributed by MLS Grid
• 2015-02-02 Sold (Public Records) $98,750 Public Records
• 2015-01-30 Sold (MLS) $98,750 Stellar MLS as Distributed by MLS Grid
• 2015-01-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-12-12 Contingent — Stellar MLS as Distributed by MLS Grid
• 2014-12-03 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-11-21 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-10-31 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-10-30 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-08-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-05-02 Price Changed $99,900 Stellar MLS as Distributed by MLS Grid
• 2014-05-02 Price Changed $94,900 Stellar MLS as Distributed by MLS Grid
• 2014-05-02 Price Changed $104,900 Stellar MLS as Distributed by MLS Grid
• 2014-05-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-05-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-05-02 Price Changed $109,900 Stellar MLS as Distributed by MLS Grid
• 2014-03-06 Listed $114,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+5.5%/yr

Latest (2025): $3,442 · +1.8% YoY. Source: county tax records.