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245 Deerwood Cir Unit 12-8 🌊 Lakefront
D Composite 40.6
Why this score? — see what drove the D 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 +10.5/30.0
  • ARV discount +7.5/15.0
  • Schools +5.0/10.0
  • 1% rule +4.9/10.0
  • Rent growth +3.9/5.0
  • Livability +3.3/5.0
  • DSCR +3.0/10.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$350,000

245 Deerwood Cir Unit 12-8 · Lely, FL 34113
2 bd · 2.0 ba · 1,347 sqft · Condo public records · 55 Days on market
Built 1989 $698/mo HOA · 20% of rent

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

Key facts

  • Open patio
  • Private bathrooms
  • Chef's dream kitchen

Tags

ENCLOSED PRIVATE COURTYARDOPEN PATIONATURAL LIGHTCHEF'S DREAM KITCHENPRIVATE BATHROOMSDETACHED ONE-CAR GARAGE

Property features AI

Finance

  • Other: Zero lot line; Views of golf course, lake, and landscaped areas; Irrigation uses reclaimed water; Restrictions include architectural review, deeded restrictions, limited number of vehicles, no commercial use, no motorcycles, no RVs, no trucks
  • HOA & community: Mandatory HOA; Condo fee $2,040 quarterly; Master HOA fee $225 annually; Professional management; Community pool; Community type: Golf course, non-gated; Maintenance covers insurance, irrigation water, lawn/land maintenance, legal/accounting, manager, exterior pest control, reserves, sewer, street lights, street maintenance, and trash removal; Total annual recurring fees $8,385; Total one-time fees $100

Exterior

  • Parking: Deeded parking with paved driveway; Guest parking; Detached 1-car garage
  • Security: Manual shutters for storm protection
  • Utilities: Central water; Central sewer; Cable available
  • Home design: Attached villa; 1 story ranch; Rear exposure faces north; Residential property in Lely Golf Estates
  • Construction: Concrete block construction; Built in 1989
  • Exterior features: Courtyard; Patio; Automatic sprinkler system; Single hung, sliding windows and skylight; Manual storm shutters; Stucco exterior; Shingle roof

Interior

  • Kitchen: Range; Microwave; Dishwasher; Disposal; Refrigerator/Freezer; Pantry; Eat-in kitchen
  • Bedrooms: 2 bedrooms
  • Flooring: Carpet; Tile
  • Bathrooms: 2 full bathrooms; Master bath with dual sinks and shower
  • Heating & cooling: Central electric heat; Central electric cooling; Ceiling fans; Humidistat
  • Interior features: Bar; Cable prewire with high-speed internet available; Pantry; Vaulted ceiling; Walk-in closet; Great room floor plan; Split bedroom layout; Laundry in residence; Unfurnished
  • Laundry & utility: Washer and dryer in residence; Auto garage door

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath condo listed at $350k.

Deal economics

  • At list price, monthly cash flow is $-182 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $318k (9.2% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $347k (0.8% below list).
  • Recommended offer: $318k (9.2% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads 66/100 on livability (#586 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+; Watch: schools D+, health & safety D, amenities 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.
  • Market conditions: Rents rising fast (+5.6%/yr); 597 active listings in the ZIP; 40 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; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
  • At $3,474/mo this rent would consume 51% of the median local household income ($82k/yr) (locally 954% 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 $10k 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 55 days — a 3% lower offer ($340k) is reasonable based on typical stale-listing flexibility.
  • 7 sale attempts since 9y 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.

Risks & watch-outs

  • Watch-outs: HOA is 20% of rent.
  • Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $317,792 (9.2% 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. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. 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?
  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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  8. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
  9. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
  10. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
  11. 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.
  12. 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.
  13. 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
0.99%
Cap rate
5.67%
Cash-on-cash
-2.23%
DSCR
0.90
GRM
8.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 5.59% rent growth · sell at horizon

5-year hold
IRR
-16.4%
Equity multiple
0.40×
Total profit
$-58,677
Equity at exit
$52,186
10-year hold
IRR
-3.3%
Equity multiple
0.75×
Total profit
$-24,382
Equity at exit
$30,262

Cash invested: $98,000 (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.

ZIP-level market 34113

Rents YoY
5.6%
Active inventory
597
Price-to-rent
8.4×

Monthly cashflow live

Estimated rent
$3,474 high interval (Pro) →
Mortgage (P&I)
$1,835
Tax from tax record
$247 /mo · $2,967/yr
Insurance
$146
HOA
$698
Vacancy / Maint / Mgmt
$729
Net cashflow
$-182

Break-even live

Break-even rent $3,704
Max offer price $317,792
Occupancy floor

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
$87,500
Closing costs
$10,500
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
640 Augusta Blvd Naples, FL 2.0 2.0 1634 $2,700 $1.65 23d 1 0.11mi
265 Deerwood Cir Naples, FL 2.0 2.0 1179 $5,000 $4.24 23d 1 0.13mi
575 Augusta Blvd Naples, FL 3.0 2.0 1500 $2,100 $1.40 23d 1 0.17mi
555 Augusta Blvd Unit 3-1 Naples, FL 2.0 2.0 1249 $4,200 $3.36 23d 1 0.18mi
605 Augusta Blvd #4 Naples, FL 2.0 2.0 1125 $3,950 $3.51 13d 1 0.18mi
605 Augusta Blvd #14 Naples, FL 2.0 2.0 1125 $4,000 $3.56 23d 1 0.18mi
701 Augusta Blvd Unit 701-8 Naples, FL 2.0 2.0 1250 $4,800 $3.84 13d 1 0.21mi
705 Augusta Blvd Unit 705-5 Naples, FL 2.0 2.0 1125 $2,000 $1.78 13d 1 0.24mi
760 Augusta Blvd Unit D204 Naples, FL 3.0 2.0 1294 $2,300 $1.78 23d 1 0.26mi
413 Augusta Blvd #302 Naples, FL 2.0 2.0 1390 $5,500 $3.96 21d 1 0.26mi
709 Augusta Blvd Unit 709-5 Naples, FL 3.0 2.0 1480 $4,000 $2.70 13d 1 0.27mi
520 Augusta Blvd Unit B204 Naples, FL 3.0 2.0 1294 $2,200 $1.70 23d 1 0.27mi
494 Saint Andrews Blvd Naples, FL 3.0 2.0 1700 $2,800 $1.65 23d 1 0.33mi
905 Augusta Blvd Naples, FL 2.0 2.0 1125 $1,850 $1.64 23d 1 0.40mi
940 Augusta Blvd Unit D939 Naples, FL 2.0 2.0 1419 $2,200 $1.55 23d 1 0.44mi
5841 Rattlesnake Hammock Rd Unit 2 Naples, FL 2.0 2.0 1133 $2,500 $2.21 23d 1 0.47mi
5841 Rattlesnake Hammock Rd Unit I-203 Naples, FL 2.0 2.0 1015 $3,500 $3.45 13d 1 0.47mi
5857 Rattlesnake Hammock Rd #208 Naples, FL 2.0 2.0 1133 $3,000 $2.65 13d 1 0.48mi
5859 Westbourgh Ct Naples, FL 3.0 2.0 1746 $8,500 $4.87 23d 1 0.57mi
5859 Westbourgh Ct Naples, FL 3.0 2.0 1746 $8,500 $4.87 13d 1 0.57mi
315 Saint Andrews Blvd Unit A25 Naples, FL 2.0 2.0 1126 $1,530 $1.36 23d 1 0.59mi
452 Bristle Cone Ln #27 Naples, FL 2.0 2.0 1129 $2,000 $1.77 23d 1 0.61mi
5651 Rattlesnake Hammock Rd Unit C-108 Naples, FL 2.0 2.0 1054 $1,800 $1.71 23d 1 0.62mi
5635 Rattlesnake Hammock Rd Apt 203D Naples, FL 2.0 2.0 1054 $1,700 $1.61 21d 1 0.66mi
326 Bradstrom Cir Unit 204F Naples, FL 3.0 2.0 1200 $3,500 $2.92 23d 1 0.69mi
326 Bradstrom Cir Unit 103F Naples, FL 2.0 2.0 1113 $1,800 $1.62 23d 1 0.69mi
255 Pine Valley Cir Naples, FL 3.0 1.5 1574 $3,500 $2.22 23d 1 0.70mi
332 Bradstrom Cir #201 Naples, FL 2.0 2.0 1257 $2,200 $1.75 23d 1 0.72mi
5535 Rattlesnake Hammock Rd #302 Naples, FL 2.0 2.0 1205 $2,800 $2.32 23d 1 0.73mi
5293 Dixie Dr Unit 1546039P Naples, FL 2.0 2.0 1130 $1,561 $1.38 13d 1 0.76mi
5502 Greenwood Cir #1 Naples, FL 3.0 2.0 1450 $2,400 $1.66 23d 1 0.78mi
213 Bay Meadows Dr Naples, FL 3.0 2.0 1650 $5,500 $3.33 23d 1 0.79mi
4556 Andover Way Unit E106 Naples, FL 2.0 2.0 1172 $1,900 $1.62 13d 1 0.80mi
4556 Andover Way Unit E104 Naples, FL 2.0 2.0 1072 $5,000 $4.66 13d 1 0.80mi
5778 Greenwood Cir Naples, FL 3.0 2.0 1450 $4,000 $2.76 23d 1 0.89mi
5499 Rattlesnake Hammock Rd Naples, FL 2.0 2.0 1071 $1,775 $1.66 13d 2 0.89mi
248 Pebble Beach Cir Unit G201 Naples, FL 2.0 2.0 1163 $2,300 $1.98 23d 1 0.89mi
5595 Greenwood Cir #92 Naples, FL 3.0 2.0 1450 $5,000 $3.45 23d 1 0.90mi
240 Pebble Beach Blvd #702 Naples, FL 2.0 2.0 1090 $4,000 $3.67 23d 1 0.91mi
5419 Rattlesnake Hammock Rd Unit 307F Naples, FL 2.0 2.0 1071 $1,950 $1.82 13d 1 0.97mi

HOA detail condo

Monthly dues
$698 · $8,376/yr
Likely covers
pool
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 38 events

  1. 2026-06-18
    days on market $350,000 Active 55 DOM
  2. 2026-06-17
    days on market $350,000 Active 54 DOM
  3. 2026-06-16
    days on market $350,000 Active 53 DOM
  4. 2026-06-15
    days on market $350,000 Active 52 DOM
  5. 2026-06-14
    days on market $350,000 Active 50 DOM
  6. 2026-06-10
    days on market $350,000 Active 47 DOM
  7. 2026-06-09
    days on market $350,000 Active 46 DOM
  8. 2026-06-08
    days on market $350,000 Active 45 DOM
  9. 2026-06-07
    days on market $350,000 Active 44 DOM
  10. 2026-06-03
    days on market $350,000 Active 40 DOM
  11. 2026-06-02
    days on market $350,000 Active 39 DOM
  12. 2026-06-01
    days on market $350,000 Active 38 DOM
  13. 2026-05-31
    days on market $350,000 Active 37 DOM
  14. 2026-05-30
    days on market $350,000 Active 36 DOM
  15. 2026-04-24
    listed $350,000 Active
  16. 2026-04-23
    historical
  17. 2026-02-22
    price $375,000
  18. 2025-09-10
    listed $399,000 Active
  19. 2023-11-28
    soldstatus $375,000 Closed 843-char remark
    Show marketing remark (843 chars)

    One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

  20. 2023-11-28
    soldstatus $375,000
    Show marketing remark (843 chars)

    One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

  21. 2023-11-03
    status Pending 843-char remark
    Show marketing remark (843 chars)

    One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

  22. 2023-10-13
    status Active 843-char remark
    Show marketing remark (843 chars)

    One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

  23. 2023-10-09
    status Pending 843-char remark
    Show marketing remark (843 chars)

    One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

  24. 2023-10-09
    status Active 843-char remark
    Show marketing remark (843 chars)

    One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

  25. 2023-10-09
    status Pending 843-char remark
    Show marketing remark (843 chars)

    One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

  26. 2023-10-04
    listed $399,500 Active 843-char remark
    Show marketing remark (843 chars)

    One of a kind property feels like a home, gorgeous community with an outstanding view! Property includes spacious private front courtyard, detached garage , 2018 roof. Bright great room includes skylights and enough room for family and friends to enjoy with a perfect view of the 11th hole of the Royal Palm Country Club. Each bedroom has its own private bathroom. High ceilings add to the expansive feel of the villa. Comes with Tommy Bahama furniture and includes all kitchen necessities to offer move in ready option. Step outside to a crystalline pool, bordered by a brand-new deck just a few steps away. Ideally situated, this property offers easy access to downtown Naples, shopping, delectable dining options, pristine beaches, and world-class golf courses. Don't miss this opportunity to make this one-of-a-kind property your very own.

  27. 2021-04-09
    soldstatus $299,000
  28. 2021-03-26
    soldstatus $299,000 Sold
  29. 2021-03-05
    status Pending With Contingencies
  30. 2021-02-19
    listed $299,000 Active
  31. 2018-03-26
    soldstatus $215,000
  32. 2018-03-21
    soldstatus $215,000 Sold
  33. 2018-02-13
    status Pending
  34. 2018-01-31
    price $229,000
  35. 2017-10-26
    listed $239,000 Active
  36. 2013-04-18
    soldstatus $139,900
  37. 2000-05-08
    soldstatus $114,500
  38. 1995-06-02
    soldstatus $84,000

ⓘ 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
$2,967 · $247/mo
Projected year-2 tax
$2,967 · $247/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 6/10 Major FEMA zone X (shaded) · 68% chance over 30 yrs
  • 🔥 Wildfire 2/10 Low
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 30 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
$41,684
− Mortgage interest
−$19,605
− Property taxes
−$2,967
− Insurance
−$1,750
− Repairs & maintenance
−$3,335
− Management
−$3,335
− HOA
−$8,376
− Depreciation
−$10,182
Taxable loss
−$7,866
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,888
After-tax cash flow
$-300/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
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

Livability — Lely

Score
66/100
State rank
#586
US rank
#11224

Category grades

Amenities F Commute F Cost of living C+ 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
Lely, FL
County
Collier County · 396,295 people
Metro
Naples-Marco Island, FL
Population (ZIP)
26,056
Household income
$81,674
Rent vs Own
26.7% rent · 73.3% own
Severe rent burden
954.0

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
Diverse neighborhood (Simpson 0.59)
Race & ethnicity
White 56% Hispanic / Latino 28% Black 12% Two or more races 11% Asian 2%
Hispanic origin (detail)
Mexican 17% Puerto Rican 3% Cuban 2%
Common ancestry
Hispanic 10% Romanian 3% Lithuanian 2%
Foreign-born
26% · Canada, Jamaica, Vietnam
Languages at home
63% English-only · Spanish 24% French/Haitian/Cajun 9% Other Indo-European 2%

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
▼ -194.86%
Current HPI
279.4232
Rent YoY
▲ 5.59%
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

Price history

+316.7% since first listed
24 events — show timeline
  • 2026-04-24 Listed $350,000 NAPLESMLS
  • 2026-04-23 Listing Removed NAPLESMLS
  • 2026-02-22 Price Changed $375,000 NAPLESMLS
  • 2025-09-10 Listed $399,000 NAPLESMLS
  • 2023-11-28 Sold (Public Records) $375,000 Public Records
  • 2023-11-28 Sold (MLS) $375,000 FORTMLS
  • 2023-11-03 Pending FORTMLS
  • 2023-10-13 Relisted FORTMLS
  • 2023-10-09 Pending FORTMLS
  • 2023-10-09 Relisted FORTMLS
  • 2023-10-09 Pending FORTMLS
  • 2023-10-04 Listed $399,500 FORTMLS
  • 2021-04-09 Sold (Public Records) $299,000 Public Records
  • 2021-03-26 Sold (MLS) $299,000 NAPLESMLS
  • 2021-03-05 Pending NAPLESMLS
  • 2021-02-19 Listed $299,000 NAPLESMLS
  • 2018-03-26 Sold (Public Records) $215,000 Public Records
  • 2018-03-21 Sold (MLS) $215,000 NAPLESMLS
  • 2018-02-13 Pending NAPLESMLS
  • 2018-01-31 Price Changed $229,000 NAPLESMLS
  • 2017-10-26 Listed $239,000 NAPLESMLS
  • 2013-04-18 Sold (Public Records) $139,900 Public Records
  • 2000-05-08 Sold (Public Records) $114,500 Public Records
  • 1995-06-02 Sold (Public Records) $84,000 Public Records

Property tax history

+7.0%/yr

Latest (2025): $2,967 · +4.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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