61 Mark Twain Ln · Rotonda, FL 33947

$275,000

3 bd · 2.0 ba · 1,844 sqft · SingleFamily public records · 152 Days on market

Built 1990 8,799 sqft lot Est $382k · 28% under $15/mo HOA · 1% 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 +16.6/30.0
• ARV discount +15.0/15.0
• Appreciation +5.6/10.0
• DSCR +5.2/10.0
• 1% rule +5.0/10.0
• Schools +4.6/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0

Listing remarks

This an amazing opportunity to purchase a home on one of the famous streets in Rotonda. Halloween Night is a must see. This home has 3 bedrooms 2 baths and an spacious Florida room for all your entertaining needs. The home has been fully refurbished, freshly painted, new appliances, new carpet, Irrigation system. This home is just waiting for that special family to move in and enjoy paradise.

Key facts

• New carpet
• Florida room
• New appliances

Tags

• FLORIDA ROOM
• FULLY REFURBISHED
• NEW APPLIANCES
• NEW CARPET
• IRRIGATION SYSTEM

Property features AI

Finance

• Other: Community features: clubhouse, deed restrictions, golf, playground, sidewalks, tennis courts; No lease restrictions indicated
• HOA & community: Homeowners association with annual fee ($190/year; $15.83/month); Association amenities include clubhouse and golf course; Association fee required; Pets allowed (cats and dogs)

Exterior

• Parking: 2-car garage
• Utilities: Public sewer; Cable available; Electricity available; Public water listed as None; Sprinkler well
• Home design: Single-family residence; One story; Faces north; Completed/ready condition
• Construction: Block construction; Shingle roof; Block foundation; Built on a 0.2-acre lot (approx. 0 to less than 1/4 acre)
• Exterior features: Sliding glass doors; In-ground spa; Private in-ground pool with screen enclosure; Irrigation system

Interior

• Kitchen: Dishwasher; Disposal; Freezer; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Kitchen open to family room; Solid surface countertops; Programmable thermostat; Walk-in closets
• Laundry & utility: Separate 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 $275k.

Deal economics

• At list price, monthly cash flow is $102 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $275k).
• Recommended offer: $242k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.0% 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 (-0.2%/yr); 863 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); solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($2k loan paydown + $3k appreciation (1.2% local appreciation)).
• Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 7, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 152 days — a 12% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y ago; this cycle's ask has dropped $75k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $107k; list at $275k implies a 157% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe 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 $242,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 152 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: 1.00% ✓
• Cap rate: 7.03%
• Cash-on-cash: 2.63%
• DSCR: 1.12
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $381,708
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
239 Annapolis Ln	0.14mi	3/2.0	1,747 (-5%)	3mo	$130,000	$74	82
46 Bunker Ct	0.33mi	3/2.0	1,818 (-1%)	2mo	$339,000	$186	81
14 Bunker Ct	0.37mi	3/2.0	1,854 (+0%)	3mo	$345,000	$186	79
13 Bunker Pl	0.20mi	3/2.0	1,568 (-15%)	4mo	$359,900	$230	62
21 S Golfview Rd	0.54mi	3/2.0	1,985 (+8%)	3mo	$339,900	$171	59
150 Rotonda Cir	0.58mi	3/2.0	1,741 (-6%)	7mo	$315,000	$181	58
254 Mark Twain Ln	0.72mi	4/2.0 (+1)	1,874 (+2%)	2mo	$399,900	$213	57
30 Bunker Ln	0.60mi	3/2.0	1,972 (+7%)	8mo	$409,000	$207	54
158 Mark Twain Ln	0.63mi	3/2.0	1,670 (-9%)	5mo	$359,000	$215	51
209 Mark Twain Ln	0.63mi	3/2.0	1,588 (-14%)	4mo	$306,100	$193	44
13 Bunker Ln	0.68mi	3/2.0	1,597 (-13%)	6mo	$340,000	$213	40
101 Fairway Rd	0.74mi	3/2.5	2,085 (+13%)	8mo	$450,000	$216	35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.25% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 1.8%
• Equity multiple: 1.09×
• Total profit: $7,081
• Equity at exit: $97,476

10-year hold

• IRR: 4.4%
• Equity multiple: 1.52×
• Total profit: $39,731
• Equity at exit: $132,363

Cash invested: $77,000 (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 33947

• Home prices YoY: 0.4%
• Rents YoY: -0.2%
• Active inventory: 863
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,760 high
• Mortgage (P&I): −$1,442
• Tax from tax record: −$440 /mo · $5,285/yr
• Insurance: −$115
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$15
• Vacancy / Maint / Mgmt: −$580
• Net cashflow: $102

Break-even live

Break-even rent $2,631

Max offer price $275,000

Occupancy floor 91%

Sensitivity live

Price	-10% $258	-5% $180	+0% $102	+5% $24	+10% $-54
Rent	-10% $-116	-5% $-7	+0% $102	+5% $211	+10% $320
Rate	-1.0pp $240	-0.5pp $172	base $102	+0.5pp $31	+1.0pp $-42

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
239 Annapolis Ln Rotonda West, FL	3.0	2.0	1747	$2,000	$1.14	22d	1	0.17mi
42 Mark Twain Ln Rotonda West, FL	3.0	2.5	1677	$2,800	$1.67	22d	1	0.17mi
87 Mark Twain Ln Rotonda West, FL	3.0	2.0	1235	$2,500	$2.02	22d	1	0.18mi
230 Annapolis Ln Rotonda West, FL	3.0	2.0	1768	$1,800	$1.02	22d	1	0.19mi
65 Oakland Hills Pl Rotonda West, FL	2.0	2.0	1444	$4,500	$3.12	22d	1	0.38mi
37 Oakland Hills Pl Rotonda West, FL	3.0	2.0	1321	$4,000	$3.03	22d	1	0.41mi
36 Bunker Cir Rotonda West, FL	2.0	2.0	1533	$3,999	$2.61	22d	1	0.41mi
60 Golfview Rd Rotonda West, FL	3.0	2.0	1336	$5,550	$4.15	22d	1	0.52mi
181 Bunker Rd Rotonda West, FL	2.0	2.0	1355	$4,600	$3.39	22d	1	0.52mi
64 Golfview Rd Rotonda West, FL	4.0	2.0	1697	$1,795	$1.06	14d	1	0.54mi
173 Rotonda Cir Rotonda West, FL	3.0	2.0	1350	$3,200	$2.37	22d	1	0.56mi
188 Boundary Blvd Unit B Rotonda West, FL	2.0	2.0	2086	$2,000	$0.96	22d	1	0.60mi
18 Golfview Ct Rotonda West, FL	3.0	2.0	1686	$3,000	$1.78	22d	1	0.60mi
118 Caddy Rd Rotonda West, FL	3.0	2.0	1828	$2,795	$1.53	22d	1	0.62mi
80 Mariner Ln Rotonda West, FL	3.0	2.0	2052	$4,800	$2.34	22d	1	0.67mi
45 Oakland Hills Ct Rotonda West, FL	4.0	2.0	1536	$2,700	$1.76	22d	1	0.71mi
65 Fairway Rd Rotonda West, FL	3.0	2.0	1865	$2,700	$1.45	22d	1	0.73mi
130 Boundary Blvd Unit B Rotonda West, FL	2.0	2.0	2060	$2,000	$0.97	22d	1	0.77mi
100 Rotonda Lakes Cir Rotonda West, FL	1.0–3.0	1.0–2.0	1024	$1,232	$1.20	14d	1	0.78mi
22 Mariner Ln Rotonda West, FL	3.0	2.0	2015	$4,200	$2.08	22d	1	0.85mi
285 Mark Twain Ln Rotonda West, FL	3.0	2.0	1759	$1,750	$0.99	22d	1	0.86mi
25 Fairway Rd Rotonda West, FL	3.0	2.0	2068	$2,375	$1.15	22d	1	0.87mi
113 Boundary Blvd Unit B 1 Rotonda West, FL	3.0	2.0	1325	$1,695	$1.28	22d	1	0.87mi
113 Boundary Blvd #2 Rotonda West, FL	3.0	2.0	1323	$1,625	$1.23	14d	1	0.87mi
93 Boundary Blvd #303 Rotonda West, FL	2.0	2.0	1228	$2,800	$2.28	14d	1	0.96mi
511 Sweetwater Dr Rotonda West, FL	4.0	2.5	2160	$2,200	$1.02	22d	1	1.13mi
12 Broadmoor Rd Unit 1 Rotonda West, FL	3.0	2.0	2065	$3,500	$1.69	22d	1	1.29mi
30 Pinehurst Pl Rotonda West, FL	3.0	3.0	2461	$3,900	$1.58	22d	1	1.30mi
155 Long Meadow Ln Rotonda West, FL	3.0	2.0	1598	$4,500	$2.82	22d	1	1.36mi
123 Marker Rd Rotonda West, FL	3.0	2.0	2006	$2,400	$1.20	14d	1	1.41mi
127 White Marsh Ln Rotonda West, FL	3.0	2.0	2216	$2,700	$1.22	22d	1	1.46mi

HOA detail

• Monthly dues: $15 · $180/yr

Listing history 19 events

1. 2026-05-12
   status Pending
2. 2026-05-04
   status Active
3. 2026-04-28
   status Pending
4. 2026-04-15
   price $275,000
5. 2026-03-21
   price $299,000
6. 2026-02-20
   price $325,000
7. 2025-12-05
   status Active
8. 2025-12-03
   historical
9. 2025-12-02
   listed $349,900 Active
10. 2024-06-30
    historical
11. 2024-06-11
    price $449,000
12. 2024-02-28
    price $499,000
13. 2024-01-04
    listed $525,000 Active
14. 2007-11-08
    listed $199,000
15. 2007-07-27
    listed $230,000
16. 2007-07-25
    historical
17. 2006-08-16
    listed $230,000
18. 2000-06-28
    soldstatus $107,000
19. 1990-05-01
    soldstatus $78,100

ⓘ 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: $5,285 · $440/mo
• Projected year-2 tax: $5,285 · $440/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 8/10 Severe FEMA zone X (shaded) · 97% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 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 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,123
• − Mortgage interest: −$15,404
• − Property taxes: −$5,285
• − Insurance: −$2,172
• − Repairs & maintenance: −$2,650
• − Management: −$2,650
• − HOA: −$180
• − Depreciation: −$8,000
• Taxable loss: −$3,218
• Est. tax savings @ 24.0%: +$772
• After-tax cash flow: $1,997/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): 10,447
• Household income: $80,091
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 91.0

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 (96%)
• Race & ethnicity: White 96% Hispanic / Latino 2% Two or more races 2%
• Common ancestry: Romanian 5% Lithuanian 4% Slovak 4%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 93% English-only · Russian/Polish/Slavic 3% 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: ▲ 1.25%
• Current HPI: 311.3231
• Rent YoY: ▼ -0.22%
• 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

+252.1% since first listed

19 events — show timeline

• 2026-05-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-04 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Price Changed $275,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-21 Price Changed $299,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-20 Price Changed $325,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-05 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-12-03 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-12-02 Listed $349,900 Stellar MLS as Distributed by MLS Grid
• 2024-06-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-06-11 Price Changed $449,000 Stellar MLS as Distributed by MLS Grid
• 2024-02-28 Price Changed $499,000 Stellar MLS as Distributed by MLS Grid
• 2024-01-04 Listed $525,000 Stellar MLS as Distributed by MLS Grid
• 2007-11-08 Listed $199,000 Stellar MLS as Distributed by MLS Grid
• 2007-07-27 Listed $230,000 Stellar MLS as Distributed by MLS Grid
• 2007-07-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-08-16 Listed $230,000 Stellar MLS as Distributed by MLS Grid
• 2000-06-28 Sold (Public Records) $107,000 Public Records
• 1990-05-01 Sold (Public Records) $78,100 Public Records

Property tax history

+4.9%/yr

Latest (2025): $5,285 · -6.2% YoY. Source: county tax records.