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7324 Candace Ln
C- Composite 54.96
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 +25.1/30.0
  • DSCR +8.2/10.0
  • 1% rule +7.4/10.0
  • Schools +4.6/10.0
  • Rent growth +3.8/5.0
  • Livability +3.4/5.0
  • Condition / age +2.5/5.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$164,900

7324 Candace Ln · Rotonda, FL 33981
3 bd · 2.0 ba · 903 sqft · Manufactured public records · 204 Days on market
Built 1983 5,999 sqft lot Est $121k · 36% over $140/mo HOA · 7% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to the friendly Village of Holiday Lake. You will love this 3-bedroom 2-bathroom home, fully furnished and updated home the minute you step inside. Enter home into the nice sized eat-in kitchen that has been updated with new flooring throughout, new counters and hard-wood cabinets to match, appliances and large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size master bedroom with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family along with a full bathroom with new vanity. Large Florida room, with newer windows and screens, for you to sit down and relax in or entertain. Storage area along with laundry hookup located off Florida room. Home also features interior painting recently completed, high ceilings, hurricane shutters, carport with extended driveway, and greenbelt views out back. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

Key facts

  • Greenbelt location
  • Updated kitchen
  • 5,999 sq ft lot

Tags

OPEN-CONCEPT LIVING SPACEUPDATED KITCHENABUNDANT NATURAL LIGHTCONVENIENT STORAGE CLOSETGREENBELT LOCATIONGOLF CART-FRIENDLY COMMUNITY

Property features AI

Finance

  • Other: Turnkey / furnished; Total annual fees reported as $1,680
  • Financial info: Lease restrictions apply
  • HOA & community: HOA required; $140 monthly (includes common area taxes, pool, escrow reserves fund, insurance, grounds maintenance, general maintenance, management); Community amenities: clubhouse, pool; deed restrictions; golf carts allowed; Pets allowed (maximum listed weight: 2)

Exterior

  • Parking: Carport with 2 spaces
  • Security: Lock (water access extras include lock)
  • Utilities: Public water; Public sewer; Electricity connected; Cable available; Water and sewer connected
  • Home design: Manufactured single-wide home; One level; South-facing entry
  • Construction: Metal frame with vinyl siding; Metal roof; Crawlspace foundation; Built on a 0.14-acre lot (60 x 103)
  • Exterior features: Sliding doors; Storage; Private maintained paved road

Interior

  • Kitchen: Cooktop; Range; Microwave; Refrigerator
  • Bedrooms: 3 bedrooms
  • Flooring: Laminate
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating (electric); Central air conditioning
  • Interior features: Open floor plan with kitchen/family room combo; Window treatments and blinds
  • Laundry & utility: Washer; Dryer; Laundry closet

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 3-bed/2.0-bath manufactured listed at $165k.

Deal economics

  • At list price, monthly cash flow is $298 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $165k).
  • Recommended offer: $145k (12.0% below list) — sets the bar for market timing.
  • Cap rate 8.9% 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: schools 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.
  • Market conditions: Rents rising fast (+5.3%/yr); 2188 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 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 $1k of loan paydown is wiped out by about $5k 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 + 5.3% rent growth), your $46k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 204 days — a 12% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
  • 8 sale attempts since 7y 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: 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 $145,112 (12.0% below list)

Questions for the listing agent

  1. It's been on market 204 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
1.24%
Cap rate
8.95%
Cash-on-cash
9.48%
DSCR
1.42
GRM
6.7

CMA / ARV

ARV (on-the-fly)
$121,002
Comps found
5
Show comp detail 5 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
7321 Adana Ave 0.20mi 2/2.0 (-1) 960 (+6%) 11mo $130,000 $135 66
7502 Fulmar Ave 0.51mi 2/2.0 (-1) 960 (+6%) 1mo $125,000 $130 60
7571 Silage Cir 0.23mi 2/2.0 (-1) 784 (-13%) 4mo $108,000 $138 59
7563 Danvers Cir 0.36mi 2/2.0 (-1) 784 (-13%) 3mo $85,000 $108 54
7455 Arbela St 0.57mi 2/1.0 (-1) 784 (-13%) 2mo $105,000 $134 41

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 · 5.29% rent growth · sell at horizon

5-year hold
IRR
-1.5%
Equity multiple
0.94×
Total profit
$-2,768
Equity at exit
$24,587
10-year hold
IRR
10.8%
Equity multiple
1.94×
Total profit
$43,342
Equity at exit
$14,258

Cash invested: $46,172 (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.

ZIP-level market 33981

Home prices YoY
-7.5%
Rents YoY
5.3%
Active inventory
2188
Price-to-rent
6.7×

Monthly cashflow live

Estimated rent
$2,045 medium interval (Pro) →
Mortgage (P&I)
$865
Tax from tax record
$177 /mo · $2,127/yr
Insurance
$69
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
$140
Vacancy / Maint / Mgmt
$429
Net cashflow
$298

Break-even live

Break-even rent $1,667
Max offer price $164,900
Occupancy floor 80%

Sensitivity live

Price -10% $392 -5% $345 +0% $298 +5% $252 +10% $205
Rent -10% $137 -5% $217 +0% $298 +5% $379 +10% $460
Rate -1.0pp $381 -0.5pp $340 base $298 +0.5pp $255 +1.0pp $212

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
$41,225
Closing costs
$4,947
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 2 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
13900 San Domingo Blvd Port Charlotte, FL 2.0 2.0 775 $1,699 $2.19 14d 1 1.07mi
13100 S McCall Rd Port Charlotte, FL 2.0 2.0 832 $1,300 $1.56 22d 1 1.50mi

HOA detail

Monthly dues
$140 · $1,680/yr
Likely covers
pool

Listing history 35 events

  1. 2026-06-18
    days on market $164,900 Active 204 DOM
  2. 2026-06-17
    days on market $164,900 Active 203 DOM
  3. 2026-06-16
    days on market $164,900 Active 202 DOM
  4. 2026-06-15
    days on market $164,900 Active 201 DOM
  5. 2026-06-14
    days on market $164,900 Active 199 DOM
  6. 2026-06-13
    days on market $164,900 Active 198 DOM
  7. 2026-06-10
    days on market $164,900 Active 196 DOM
  8. 2026-06-09
    days on market $164,900 Active 195 DOM
  9. 2026-06-08
    days on market $164,900 Active 194 DOM
  10. 2026-06-05
    days on market $164,900 Active 190 DOM
  11. 2026-06-02
    days on market $164,900 Active 188 DOM
  12. 2026-06-01
    days on market $164,900 Active 187 DOM
  13. 2026-05-31
    days on market $164,900 Active 186 DOM
  14. 2026-05-30
    days on market $164,900 Active 185 DOM
  15. 2026-04-13
    status Active
  16. 2026-04-10
    historical
  17. 2026-03-11
    status Active
  18. 2026-02-24
    status Pending
  19. 2025-12-16
    status Active
  20. 2025-11-16
    status Pending
  21. 2025-10-09
    listed $164,900 Active
  22. 2025-03-28
    historical $5,169
  23. 2024-09-17
    listed $5,169
  24. 2024-08-29
    historical $5,169
  25. 2024-08-25
    price $5,169
  26. 2024-08-13
    listed $3,417
  27. 2021-10-22
    soldstatus $145,000 Closed 1577-char remark
    Show marketing remark (1577 chars)

    Welcome to the friendly Village of Holiday Lake. You will love this 3-bedroom 2-bathroom home, fully furnished and updated home the minute you step inside. Enter home into the nice sized eat-in kitchen that has been updated with new flooring throughout, new counters and hard-wood cabinets to match, appliances and large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size master bedroom with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family along with a full bathroom with new vanity. Large Florida room, with newer windows and screens, for you to sit down and relax in or entertain. Storage area along with laundry hookup located off Florida room. Home also features interior painting recently completed, high ceilings, hurricane shutters, carport with extended driveway, and greenbelt views out back. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

  28. 2021-10-22
    soldstatus $145,000
    Show marketing remark (1577 chars)

    Welcome to the friendly Village of Holiday Lake. You will love this 3-bedroom 2-bathroom home, fully furnished and updated home the minute you step inside. Enter home into the nice sized eat-in kitchen that has been updated with new flooring throughout, new counters and hard-wood cabinets to match, appliances and large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size master bedroom with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family along with a full bathroom with new vanity. Large Florida room, with newer windows and screens, for you to sit down and relax in or entertain. Storage area along with laundry hookup located off Florida room. Home also features interior painting recently completed, high ceilings, hurricane shutters, carport with extended driveway, and greenbelt views out back. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

  29. 2021-09-17
    status Pending 1577-char remark
    Show marketing remark (1577 chars)

    Welcome to the friendly Village of Holiday Lake. You will love this 3-bedroom 2-bathroom home, fully furnished and updated home the minute you step inside. Enter home into the nice sized eat-in kitchen that has been updated with new flooring throughout, new counters and hard-wood cabinets to match, appliances and large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size master bedroom with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family along with a full bathroom with new vanity. Large Florida room, with newer windows and screens, for you to sit down and relax in or entertain. Storage area along with laundry hookup located off Florida room. Home also features interior painting recently completed, high ceilings, hurricane shutters, carport with extended driveway, and greenbelt views out back. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

  30. 2021-09-13
    price $155,000 1577-char remark
    Show marketing remark (1577 chars)

    Welcome to the friendly Village of Holiday Lake. You will love this 3-bedroom 2-bathroom home, fully furnished and updated home the minute you step inside. Enter home into the nice sized eat-in kitchen that has been updated with new flooring throughout, new counters and hard-wood cabinets to match, appliances and large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size master bedroom with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family along with a full bathroom with new vanity. Large Florida room, with newer windows and screens, for you to sit down and relax in or entertain. Storage area along with laundry hookup located off Florida room. Home also features interior painting recently completed, high ceilings, hurricane shutters, carport with extended driveway, and greenbelt views out back. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

  31. 2021-09-13
    listed $15,500 Active 1577-char remark
    Show marketing remark (1577 chars)

    Welcome to the friendly Village of Holiday Lake. You will love this 3-bedroom 2-bathroom home, fully furnished and updated home the minute you step inside. Enter home into the nice sized eat-in kitchen that has been updated with new flooring throughout, new counters and hard-wood cabinets to match, appliances and large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size master bedroom with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family along with a full bathroom with new vanity. Large Florida room, with newer windows and screens, for you to sit down and relax in or entertain. Storage area along with laundry hookup located off Florida room. Home also features interior painting recently completed, high ceilings, hurricane shutters, carport with extended driveway, and greenbelt views out back. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

  32. 2019-09-18
    soldstatus $101,000
  33. 2019-09-17
    soldstatus $101,000 Sold 1510-char remark
    Show marketing remark (1510 chars)

    Welcome to the friendly Village of Holiday Lake. You will love this 3 bedroom 2-bathroom home, fully furnished home the minute you step inside. Enter home into the nice sized eat-in kitchen with plenty of cabinet/counter space, breakfast bar, large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size Master Bedroom is carpeted with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family and are carpeted along with a full bathroom. Large Florida room, with new windows and screens, for you to sit down and relax in or entertain, overlooks wooded backyard. Storage area along with laundry hookup located off Florida room. Home also features new heating/air conditioning unit, high ceilings, hurricane shutters, carport with extended driveway. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

  34. 2019-08-13
    status Pending 1510-char remark
    Show marketing remark (1510 chars)

    Welcome to the friendly Village of Holiday Lake. You will love this 3 bedroom 2-bathroom home, fully furnished home the minute you step inside. Enter home into the nice sized eat-in kitchen with plenty of cabinet/counter space, breakfast bar, large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size Master Bedroom is carpeted with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family and are carpeted along with a full bathroom. Large Florida room, with new windows and screens, for you to sit down and relax in or entertain, overlooks wooded backyard. Storage area along with laundry hookup located off Florida room. Home also features new heating/air conditioning unit, high ceilings, hurricane shutters, carport with extended driveway. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

  35. 2019-07-05
    listed $105,000 Active 1510-char remark
    Show marketing remark (1510 chars)

    Welcome to the friendly Village of Holiday Lake. You will love this 3 bedroom 2-bathroom home, fully furnished home the minute you step inside. Enter home into the nice sized eat-in kitchen with plenty of cabinet/counter space, breakfast bar, large bay window with southern exposure to let in the natural light. Kitchen overlooks your living room area with sliders out to the Florida room. Nice size Master Bedroom is carpeted with large double closet and master bath with walk in shower. Two additional spacious bedrooms are awaiting vising friends and family and are carpeted along with a full bathroom. Large Florida room, with new windows and screens, for you to sit down and relax in or entertain, overlooks wooded backyard. Storage area along with laundry hookup located off Florida room. Home also features new heating/air conditioning unit, high ceilings, hurricane shutters, carport with extended driveway. The Village of Holiday Lake boasts 20+ boat slips and boat ramp with access to Charlotte Harbor and the Gulf of Mexico through the lock system. Beautiful pool area boasting 2 pools and BBQ area. There is always something going on for everyone at the large recreation hall with full kitchen, craft room, laundry facility along with areas for woodworking , tennis, shuffleboard and more. Golf Carts welcome. Would make a great rental or your winter get away spot. NOT a 55 and over community and low HOA. Schedule your appointment now to view one of the best spots in the Holiday Lakes community!

ⓘ 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
$2,127 · $177/mo
Projected year-2 tax
$2,127 · $177/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 X (shaded) · 99% 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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$24,538
− Mortgage interest
−$9,237
− Property taxes
−$2,127
− Insurance
−$1,622
− Repairs & maintenance
−$1,963
− Management
−$1,963
− HOA
−$1,680
− Depreciation
−$4,797
Taxable income
$1,149
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$276
After-tax cash flow
$3,303/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

County
Charlotte County · 196,994 people
City population
10,490
Metro
Punta Gorda, FL
Population (ZIP)
15,622
Household income
$84,098
Rent vs Own
9.3% rent · 90.7% own
Severe rent burden
105.0

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 (89%)
Race & ethnicity
White 89% Two or more races 4% Hispanic / Latino 4% Black 2% Asian 1%
Common ancestry
Romanian 4% Lithuanian 3% Italian 2%
Foreign-born
6% · Canada
Languages at home
96% English-only · Spanish 1% German/W. Germanic 1% Tagalog/Filipino 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
▼ -28.09%
Current HPI
346.5247
Rent YoY
▲ 5.29%
Metro
Punta Gorda, FL
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

+57.0% since first listed
21 events — show timeline
  • 2026-04-13 Relisted Stellar MLS as Distributed by MLS Grid
  • 2026-04-10 Listing Removed Stellar MLS as Distributed by MLS Grid
  • 2026-03-11 Relisted Stellar MLS as Distributed by MLS Grid
  • 2026-02-24 Pending Stellar MLS as Distributed by MLS Grid
  • 2025-12-16 Relisted Stellar MLS as Distributed by MLS Grid
  • 2025-11-16 Pending Stellar MLS as Distributed by MLS Grid
  • 2025-10-09 Listed $164,900 Stellar MLS as Distributed by MLS Grid
  • 2025-03-28 Rental Removed $5,169 RENTLY
  • 2024-09-17 Listed for Rent $5,169 RENTLY
  • 2024-08-29 Rental Removed $5,169 RENTLY
  • 2024-08-25 Price Changed $5,169 RENTLY
  • 2024-08-13 Listed for Rent $3,417 RENTLY
  • 2021-10-22 Sold (Public Records) $145,000 Public Records
  • 2021-10-22 Sold (MLS) $145,000 Stellar MLS as Distributed by MLS Grid
  • 2021-09-17 Pending Stellar MLS as Distributed by MLS Grid
  • 2021-09-13 Price Changed $155,000 Stellar MLS as Distributed by MLS Grid
  • 2021-09-13 Listed $15,500 Stellar MLS as Distributed by MLS Grid
  • 2019-09-18 Sold (Public Records) $101,000 Public Records
  • 2019-09-17 Sold (MLS) $101,000 Stellar MLS as Distributed by MLS Grid
  • 2019-08-13 Pending Stellar MLS as Distributed by MLS Grid
  • 2019-07-05 Listed $105,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+5.0%/yr

Latest (2025): $2,127 · +1.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…