1780 Elinor Pl · Englewood, FL
Flood risk 9/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 2/10 · 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
- 30 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
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A- 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 +30.0/30.0
- ARV discount +12.7/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Schools +5.6/10.0
- Rent growth +4.8/5.0
- Condition / age +3.8/5.0
- Livability +3.7/5.0
- Appreciation +0.0/10.0
$219,900
1780 Elinor Pl · Englewood, FL 34223
3 bd · 2.0 ba · 1,330 sqft · SingleFamily
public records
· 22 Days on market
Built 1973
8,925 sqft lot
Garage
$165/sqft
· 12% below area
Est $249k · 12% under
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Welcome to this beautifully updated Florida-style block home nestled in the desirable community of Clintwood Acres. This home features a brand-new A/C system (2025) and a 2019 roof, offering peace of mind and modern efficiency. Step inside to find sleek epoxy flooring throughout the main living areas, fresh interior paint, and fully renovated bathrooms complete with new vanities and flooring. The stylishly remodeled kitchen boasts new cabinets and appliances, ready for your culinary adventures. The spacious layout includes a large Florida room—perfect for entertaining, relaxing, or creating a personalized retreat.
Key facts
- New cabinets
- 2019 roof
- Large florida room
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 3-bed/2.0-bath single-family listed at $220k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $872 ($10k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $220k).
- Recommended offer: $217k (1.5% below list) — sets the bar for market timing.
- Cap rate 13.4% vs local median 3.5% in Englewood — 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 73/100 on livability (#321 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A, health & safety A; Watch: employment C-, 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: L. A. Ainger Middle School (math 65% / reading 53%, grade B, #144 of 571 statewide, top 26%, 720 students, 40% 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 34% FRL vs 54% district-wide (19 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents rising fast (+9.0%/yr); 823 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals lingering (median 117d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 79% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
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.
- At projected returns (-3.0% appreciation + 8.0% rent growth), your $62k cash investment doubles in ~6 years — after that, you're playing with house money.
Negotiation context
- It's been on market 22 days — a 2% lower offer ($217k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 2y 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 $133k; list at $220k implies a 65% gain — meaningful room to come down on a strong offer.
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→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$216,601
(1.5% below list)
Questions for the listing agent
- Built in 1973 — 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?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are A-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 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
- 1.53% ✓
- Cap rate
- 13.38%
- Cash-on-cash
- 25.31%
- DSCR
- 2.13
- GRM
- 5.4
CMA / ARV
- ARV (median comp)
- $248,876
- List price
- $219,900
- Delta
- -11.64%
- 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 |
|---|---|---|---|---|---|---|---|
| 1756 Elinor Pl | 0.05mi | 2/2.0 (-1) | 1,339 (+1%) | 7mo | $235,000 | $176 | 86 |
| 1625 Loralin Dr | 0.16mi | 2/2.0 (-1) | 1,303 (-2%) | 0mo | $228,000 | $175 | 84 |
| 1239 Punta Nova Ter | 0.24mi | 3/3.0 | 1,366 (+3%) | 5mo | $355,000 | $260 | 76 |
| 1173 Brown St | 0.72mi | 3/2.0 | 1,327 (-0%) | 2mo | $360,000 | $271 | 64 |
| 893 E 4th St | 0.46mi | 4/2.0 (+1) | 1,376 (+4%) | 5mo | $232,000 | $169 | 64 |
| 1410 Deer Creek Dr | 0.56mi | 2/1.0 (-1) | 1,363 (+2%) | 2mo | $266,000 | $195 | 58 |
| 1082 Haste Ln | 0.54mi | 2/2.0 (-1) | 1,261 (-5%) | 6mo | $388,000 | $308 | 57 |
| 1220 Punta Nova Ter | 0.28mi | 2/2.0 (-1) | 1,493 (+12%) | 7mo | $309,900 | $208 | 56 |
| 857 E 3rd St | 0.31mi | 2/2.0 (-1) | 1,144 (-14%) | 6mo | $365,000 | $319 | 52 |
| 1455 Lemon Bay Dr | 0.63mi | 2/2.0 (-1) | 1,432 (+8%) | 3mo | $550,000 | $384 | 50 |
| 886 E 4th St | 0.45mi | 2/2.0 (-1) | 1,518 (+14%) | 3mo | $350,000 | $231 | 48 |
| 40 Crestview Dr | 0.67mi | 2/2.0 (-1) | 1,243 (-6%) | 6mo | $272,000 | $219 | 48 |
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 · 8.0% rent growth · sell at horizon
5-year hold
- IRR
- 14.4%
- Equity multiple
- 1.62×
- Total profit
- $37,909
- Equity at exit
- $32,788
10-year hold
- IRR
- 27.0%
- Equity multiple
- 4.03×
- Total profit
- $186,374
- Equity at exit
- $19,013
Cash invested: $61,572 (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.
Buyer's market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 31 active · 23 under contract
- Months of supply
- 9.8 mo (10%/mo absorbed)
- Median asking
- $369,990 ($259/sqft)
- Median days on market
- 146 d
- This list price
- 6% of active listings are priced below it
- ARV vs active asking
- -27.6% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34223
- Home prices YoY
- -34.2%
- Rents YoY
- 9.0%
- Active inventory
- 823
- Price-to-rent
- 5.4×
Monthly cashflow live
↻
- Estimated rent
- $3,367 high interval (Pro) →
- Mortgage (P&I)
- −$1,153
- Tax from tax record
- −$116 /mo · $1,396/yr
- Insurance
- −$92
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$707
- Net cashflow
- $872
Break-even live
Break-even rent
$2,263
Max offer price
$219,900
Occupancy floor
69%
Sensitivity live
| Price | -10% $996 | -5% $934 | +0% $872 | +5% $810 | +10% $747 |
|---|---|---|---|---|---|
| Rent | -10% $606 | -5% $739 | +0% $872 | +5% $1,005 | +10% $1,138 |
| Rate | -1.0pp $983 | -0.5pp $928 | base $872 | +0.5pp $815 | +1.0pp $757 |
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
- $54,975
- Closing costs
- $6,597
- 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 14 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1575 Loralin Dr Englewood, FL | 3.0 | 2.0 | 1322 | $5,000 | $3.78 | 116d | 1 | 0.23mi |
| 1501 Helene Ave Englewood, FL | 3.0 | 2.0 | 1608 | $3,200 | $1.99 | 109d | 1 | 0.31mi |
| 1210 S Maryknoll Rd Englewood, FL | 2.0 | 2.0 | 1063 | $2,600 | $2.45 | 116d | 1 | 0.38mi |
| 1531 Placida Rd #204 Englewood, FL | 2.0 | 2.0 | 1056 | $3,500 | $3.31 | 116d | 1 | 0.40mi |
| 1531 Placida Rd #203 Englewood, FL | 2.0 | 2.0 | 1056 | $3,900 | $3.69 | 116d | 1 | 0.40mi |
| 858 E 7th St Englewood, FL | 3.0 | 2.0 | 1244 | $1,995 | $1.60 | 116d | 1 | 0.44mi |
| 1401 S McCall Rd Unit 301A Englewood, FL | 2.0 | 2.0 | 1093 | $3,300 | $3.02 | 116d | 1 | 0.49mi |
| 1401 S McCall Rd Englewood, FL | 2.0 | 2.0 | 1093 | $3,150 | $2.88 | 6d | 2 | 0.53mi |
| 1120 Lampp Dr Englewood, FL | 3.0 | 2.0 | 1212 | $4,000 | $3.30 | 116d | 1 | 0.54mi |
| 1081 Humboldt St Englewood, FL | 3.0 | 2.0 | 1838 | $2,300 | $1.25 | 6d | 1 | 0.69mi |
| 1177 South Ln Englewood, FL | 3.0 | 1.0 | 910 | $1,600 | $1.76 | 6d | 1 | 0.77mi |
| 1375 Beach Rd #311 Englewood, FL | 3.0 | 2.0 | 1686 | $4,950 | $2.94 | 116d | 1 | 0.88mi |
| 2275 S McCall Rd #201 Englewood, FL | 2.0 | 2.0 | 1050 | $2,000 | $1.90 | 109d | 1 | 1.13mi |
| 1960 Oregon Trl Unit 2A Englewood, FL | 2.0 | 2.0 | 1360 | $3,750 | $2.76 | 116d | 1 | 1.43mi |
Property features AI
Finance
- Other
- Residential zoning RSF5
Exterior
- Parking
- Attached garage with 2 spaces
- Utilities
- Public waterPublic sewerElectricity connectedCable availableSewer connectedWater connected
- Home design
- Single-family residenceOne storyFaces south
- Construction
- Block constructionShingle roofSlab foundationBuilt on a lot under 1/4 acre
- Exterior features
- Screened patio/porchAwningsRain guttersAsphalt road accessLot approximately 0.2 acres (85 x 105)
Interior
- Kitchen
- No appliances listed
- Bedrooms
- 3 bedrooms
- Flooring
- Concrete floors
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heating (electric)Central air conditioning
- Interior features
- Crown molding
- Laundry & utility
- Laundry area in garage
Listing history 40 events
-
2026-09-24days on market $219,900 Active 22 DOM
-
2026-09-24days on market $219,900 Active 21 DOM
-
2026-09-22days on market $219,900 Active 20 DOM
-
2026-09-21days on market $219,900 Active 19 DOM
-
2026-09-20days on market $219,900 Active 18 DOM
-
2026-09-19days on market $219,900 Active 17 DOM
-
2026-09-18days on market $219,900 Active 16 DOM
-
2026-09-17days on market $219,900 Active 15 DOM
-
2026-09-16days on market $219,900 Active 14 DOM
-
2026-09-15days on market $219,900 Active 13 DOM
-
2026-09-14days on market $219,900 Active 12 DOM
-
2026-09-13days on market $219,900 Active 11 DOM
-
2026-09-12days on market $219,900 Active 10 DOM
-
2026-09-11days on market $219,900 Active 9 DOM
-
2026-09-05days on market $219,900 Active 3 DOM
-
2026-09-04days on market $219,900 Active 2 DOM
-
2026-09-03pricedays on market $219,900 Active 1 DOM
-
2026-06-27days on market $239,900 Active 509 DOM
-
2026-06-23days on market $239,900 Active 505 DOM
-
2026-06-22days on market $239,900 Active 504 DOM
-
2026-06-18days on market $239,900 Active 501 DOM
-
2026-06-17days on market $239,900 Active 500 DOM
-
2026-06-16statusdays on market $239,900 Active 499 DOM
-
2026-06-09status $239,900 Pending 498 DOM
-
2026-06-08days on market $239,900 Active 498 DOM
-
2026-06-05days on market $239,900 Active 494 DOM
-
2026-06-02days on market $239,900 Active 492 DOM
-
2026-06-01days on market $239,900 Active 491 DOM
-
2026-05-31days on market $239,900 Active 490 DOM
-
2026-05-30days on market $239,900 Active 489 DOM
-
2026-05-05price $239,900
-
2025-12-29price $244,900
-
2025-07-23status Active
-
2025-06-05price $249,900
-
2025-05-08price $189,900
-
2025-03-10price $199,900
-
2025-03-07status Active
-
2025-03-01status Pending
-
2024-12-03$224,900 Active
-
2004-03-23soldstatus $133,000
ⓘ 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
- $1,396 · $116/mo
- Projected year-2 tax
- $1,825 · $152/mo
- Expected delta
- +$429/yr (+$36/mo · 30.7%)
ⓘ 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 2/10 Low
- Heat 10/10 Extreme 7 d/yr ≥107°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 1 unhealthy d/yr today · 1 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
- $40,399
- − Mortgage interest
- −$12,318
- − Property taxes
- −$1,396
- − Insurance
- −$6,218
- − Repairs & maintenance
- −$3,232
- − Management
- −$3,232
- − Depreciation
- −$6,397
- Taxable income
- $7,607
combined federal + state — saved on this device
- Est. tax owed @ 24.0%
- −$1,826
- After-tax cash flow
- $8,638/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 · 9 photos
75/100
Cosmetic rehab
Est. rehab $6,650–$19,950 screening
This Florida-style home is in good condition with recent updates, including a new A/C system and roof, and fresh paint. It offers a good investment opportunity with potential for further value enhancement through painting and landscaping.
Components & finishes AI
Roof asphalt shingle · good
Flooring tile
Value-add opportunities
- Both Painting exterior — Fresh paint enhances curb appeal and value ↑
- Both Landscaping — Well-maintained landscaping improves curb appeal and value ↑
- Both New flooring in bathrooms — New flooring in bathrooms enhances aesthetics and value ↑
ⓘ 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.
D
Composite school gradezoned avg 56/100
Zoned Schools
Middle
L. A. Ainger Middle School
B
FL #144/571
Nat'l #1,951/14,009
High
Lemon Bay High School
C-
FL #148/667
Nat'l #4,893/17,239
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
B
Composite livability gradescore 73/100
Livability — Englewood
- Score
- 73/100
- State rank
- #321
- US rank
- #5655
Category grades
Amenities F
Commute F
Cost of living A
Crime A-
Employment C-
Housing A+
Health & safety A
User ratings C
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Englewood, FL
- County
- Sarasota County · 198,646 people
- City population
- 35,420
- Metro
- North Port-Sarasota-Bradenton, FL
- Population (ZIP)
- 19,884
- Household income
- $76,016
- Rent vs Own
- Severe rent burden
- 15% of renters
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 (94%)
- Race & ethnicity
- White 94% Two or more races 3% Hispanic / Latino 3% Asian 1%
- Common ancestry
- Romanian 7% Lithuanian 4% Iranian 2%
- Foreign-born
- 9% · Canada
- Languages at home
- 94% English-only · German/W. Germanic 2% Spanish 1% 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
- ▼ -146.26%
- Current HPI
- 281.0529
- Rent YoY
- ▲ 9.02%
- Metro
- North Port-Sarasota-Bradenton, 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
+80.4% since first listed10 events — show timeline
- 2026-05-05 Price Changed $239,900 Stellar MLS as Distributed by MLS Grid
- 2025-12-29 Price Changed $244,900 Stellar MLS as Distributed by MLS Grid
- 2025-07-23 Relisted — Stellar MLS as Distributed by MLS Grid
- 2025-06-05 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
- 2025-05-08 Price Changed $189,900 Stellar MLS as Distributed by MLS Grid
- 2025-03-10 Price Changed $199,900 Stellar MLS as Distributed by MLS Grid
- 2025-03-07 Relisted — Stellar MLS as Distributed by MLS Grid
- 2025-03-01 Pending — Stellar MLS as Distributed by MLS Grid
- 2024-12-03 Listed $224,900 Stellar MLS as Distributed by MLS Grid
- 2004-03-23 Sold (Public Records) $133,000 Public Records
Property tax history
+2.9%/yrLatest (2025): $1,396 · -65.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…