5596 Cobalto Way · Ave Maria, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 7/10 · Major
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 111°F)
- 7 days/yr
- Hot days in 30 yrs
- 27 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
- 0 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 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).
- ARV discount +14.9/15.0
- Cash flow +8.4/30.0
- Schools +6.0/10.0
- Appreciation +4.5/10.0
- Condition / age +4.0/5.0
- 1% rule +3.6/10.0
- Rent growth +3.2/5.0
- Livability +2.5/5.0
- DSCR +2.3/10.0
$309,900
5596 Cobalto Way · Ave Maria, FL 34142
2 bd · 2.0 ba · 1,355 sqft · SingleFamily
public records
· 14 Days on market
Built 2024
3,920 sqft lot
Garage
$229/sqft
· 16% below area
Est $371k · 16% under
$161/mo HOA · 6% of rent
↓ 3% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
SHORT SALE OPPORTUNITY – LENDER'S VALUATION HAS BEEN COMPLETED – QUICK APPROVAL ANTICIPATED! Don't miss this fantastic opportunity to own a beautiful home in the highly desirable Maple Ridge community of Ave Maria! This home features a bright, open floor plan with beautiful wood-look flooring, a modern kitchen with white cabinetry, stainless steel appliances, a spacious center island, and stylish finishes throughout. The open living and dining areas offer plenty of room for entertaining, while the comfortable bedrooms and beautifully appointed bathrooms add to the home's appeal.
Key facts
- Water park
- Modern kitchen
- 3,920 sq ft lot
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 2-bed/2.0-bath single-family listed at $310k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-706 ($-8k/yr) — negative.
- To cash-flow at today's rent, offer at most $185k (40.2% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $268k (13.5% below list).
- Recommended offer: $185k (40.2% below list) — sets the bar for cash-flow.
- Cap rate 5.2% vs local median 3.9% in Ave Maria — 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: area grade D — affects rentability + tenant quality, not the cash-flow math above.
- 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.
- Zoned schools: Estates Elementary School (math 70% / reading 67%, grade B+, #409 of 2,144 statewide, top 20%, 862 students, 53% FRL); Corkscrew Middle School (math 68% / reading 59%, grade B+, #109 of 571 statewide, top 19%, 958 students, 43% FRL); Palmetto Ridge High School (math 43% / reading 51%, grade D-, #207 of 667 statewide, top 32%, 2,347 students, 38% FRL).
- Market conditions: Rents rising (+3.0%/yr); 695 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 38d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
- At $2,679/mo this rent would consume 52% of the median local household income ($62k/yr) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- Local home prices are declining (-1.1%/yr); year-one equity from $2k of loan paydown is wiped out by about $3k 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
- Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
- 2 sale attempts 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 $427/mo.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$185,222
(40.2% below list)
Questions for the listing agent
- 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?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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
- 0.86% ✗
- Cap rate
- 5.21%
- Cash-on-cash
- -3.86%
- DSCR
- 0.83
- GRM
- 9.6
CMA / ARV
- ARV (median comp)
- $370,760
- List price
- $309,900
- Delta
- -16.41%
- 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 |
|---|---|---|---|---|---|---|---|
| 5692 Cassidy Ln | 0.18mi | 2/2.0 | 1,366 (+1%) | 5mo | $353,000 | $258 | 86 |
| 5501 Agostino Way | 0.30mi | 3/2.0 (+1) | 1,602 (+18%) | 4mo | $335,000 | $209 | 53 |
| 5859 Cassidy Ln | 0.45mi | 2/2.0 | 1,133 (-16%) | 4mo | $318,010 | $281 | 51 |
| 5784 Declaration Ct | 1.06mi | 3/2.0 (+1) | 1,415 (+4%) | 2mo | $324,800 | $230 | 51 |
| 5461 Soria Ave | 0.27mi | 3/2.5 (+1) | 1,594 (+18%) | 7mo | $335,000 | $210 | 49 |
| 5901 Mayflower Way | 1.10mi | 2/2.0 | 1,460 (+8%) | 4mo | $265,000 | $182 | 48 |
| 5796 Declaration Ct | 1.08mi | 3/2.0 (+1) | 1,415 (+4%) | 6mo | $317,000 | $224 | 47 |
| 5728 Declaration Ct | 1.02mi | 2/2.0 | 1,200 (-11%) | 6mo | $350,000 | $292 | 41 |
| 5900 Mayflower Way | 1.11mi | 2/2.0 | 1,602 (+18%) | 4mo | $329,000 | $205 | 37 |
| 5845 Mayflower Way | 1.01mi | 2/2.0 | 1,602 (+18%) | 4mo | $288,000 | $180 | 36 |
| 5825 Mayflower Way | 0.98mi | 2/2.0 | 1,546 (+14%) | 8mo | $365,000 | $236 | 35 |
| 5821 Mayflower Way | 0.97mi | 2/2.0 | 1,546 (+14%) | 8mo | $348,000 | $225 | 35 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-1.05% appreciation · 2.95% rent growth · sell at horizon
5-year hold
- IRR
- -18.8%
- Equity multiple
- 0.21×
- Total profit
- $-68,635
- Equity at exit
- $74,089
10-year hold
- IRR
- -12.1%
- Equity multiple
- -0.06×
- Total profit
- $-91,787
- Equity at exit
- $77,190
Cash invested: $86,772 (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
- 13 active · 5 under contract
- Months of supply
- 13.0 mo (8%/mo absorbed)
- Median asking
- $365,000 ($229/sqft)
- Median days on market
- 120 d
- This list price
- 15% of active listings are priced below it
- ARV vs active asking
- +19.3% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34142
- Home prices YoY
- -0.5%
- Rents YoY
- 3.0%
- Active inventory
- 695
- Price-to-rent
- 9.6×
Monthly cashflow live
↻
- Estimated rent
- $2,679 high interval (Pro) →
- Mortgage (P&I)
- −$1,625
- Tax from tax record
- −$481 /mo · $5,768/yr
- Insurance
- −$129
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$161
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$563
- Net cashflow
- $-706
Break-even live
Break-even rent
$3,573
Max offer price
$185,222
Occupancy floor
—
Sensitivity live
| Price | -10% $-530 | -5% $-618 | +0% $-706 | +5% $-793 | +10% $-881 |
|---|---|---|---|---|---|
| Rent | -10% $-917 | -5% $-812 | +0% $-706 | +5% $-600 | +10% $-494 |
| Rate | -1.0pp $-550 | -0.5pp $-627 | base $-706 | +0.5pp $-786 | +1.0pp $-868 |
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
- $77,475
- Closing costs
- $9,297
- 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 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5604 Cobalto Way Ave Maria, FL | 3.0 | 2.0 | 1630 | $2,600 | $1.60 | 8d | 1 | 0.02mi |
| 5554 Cassidy Ln Ave Maria, FL | 2.0 | 2.0 | 1366 | $2,375 | $1.74 | 51d | 1 | 0.03mi |
| 5554 Cassidy Ln Ave Maria, FL | 2.0 | 2.0 | 1366 | $2,375 | $1.74 | 10d | 1 | 0.03mi |
| 5574 Cassidy Ln Ave Maria, FL | 3.0 | 2.0 | 1630 | $2,250 | $1.38 | 162d | 1 | 0.05mi |
| 5662 Carrara Dr Ave Maria, FL | 3.0 | 2.0 | 1630 | $2,300 | $1.41 | 2d | 1 | 0.10mi |
| 5681 Cassidy Ln Ave Maria, FL | 3.0 | 2.0 | 1630 | $2,400 | $1.47 | 51d | 1 | 0.15mi |
| 5688 Cassidy Ln Ave Maria, FL | 2.0 | 2.0 | 1366 | $2,500 | $1.83 | 154d | 1 | 0.16mi |
| 5716 Cassidy Ln Ave Maria, FL | 3.0 | 2.5 | 1788 | $2,449 | $1.37 | 8d | 1 | 0.21mi |
| 5769 Cassidy Ln Ave Maria, FL | 2.0 | 2.0 | 1366 | $2,175 | $1.59 | 10d | 1 | 0.28mi |
| 5496 Agostino Way Ave Maria, FL | 3.0 | 2.5 | 1858 | $2,400 | $1.29 | 51d | 1 | 0.32mi |
| 5799 Agostino Way Ave Maria, FL | 2.0 | 2.0 | 1133 | $2,050 | $1.81 | 10d | 1 | 0.35mi |
| 5682 Mayflower Way #806 Ave Maria, FL | 2.0 | 2.0 | 1457 | $4,995 | $3.43 | 10d | 1 | 0.85mi |
| 5080 Annunciation Cir #1306 Ave Maria, FL | 3.0 | 2.0 | 1700 | $3,900 | $2.29 | 10d | 1 | 0.88mi |
| 5080 Annunciation Cir #1306 Ave Maria, FL | 3.0 | 2.0 | 1700 | $3,900 | $2.29 | 51d | 1 | 0.88mi |
| 5690 Mayflower Way Ave Maria, FL | 3.0 | 2.0 | 1815 | $3,295 | $1.82 | 10d | 1 | 0.89mi |
| 5690 Mayflower Way #601 Ave Maria, FL | 3.0 | 2.0 | 1815 | $5,500 | $3.03 | 10d | 1 | 0.89mi |
| 5697 Mayflower Way Ave Maria, FL | 2.0 | 2.0 | 1538 | $2,495 | $1.62 | 10d | 1 | 0.89mi |
| 5698 Mayflower Way #405 Ave Maria, FL | 2.0 | 2.0 | 1868 | $5,495 | $2.94 | 10d | 1 | 0.92mi |
| 5698 Mayflower Way #405 Ave Maria, FL | 2.0 | 2.0 | 1868 | $5,495 | $2.94 | 51d | 1 | 0.92mi |
| 5076 Annunciation Cir #2206 Ave Maria, FL | 2.0 | 2.0 | 1206 | $3,100 | $2.57 | 164d | 1 | 0.93mi |
| 5076 Annunciation Cir #2206 Ave Maria, FL | 2.0 | 2.0 | 1206 | $2,800 | $2.32 | 10d | 1 | 0.93mi |
| 5076 Annunciation Cir #2206 Ave Maria, FL | 2.0 | 2.0 | 1206 | $3,100 | $2.57 | 51d | 1 | 0.93mi |
| 5076 Annunciation Cir #2305 Ave Maria, FL | 2.0 | 2.0 | 1166 | $2,800 | $2.40 | 164d | 1 | 0.93mi |
| 5076 Annunciation Cir #2203 Ave Maria, FL | 2.0 | 2.0 | 1254 | $2,500 | $1.99 | 9d | 1 | 0.93mi |
| 5769 Mayflower Way Ave Maria, FL | 2.0 | 2.0 | 1554 | $4,000 | $2.57 | 10d | 1 | 0.94mi |
| 5769 Mayflower Way Ave Maria, FL | 2.0 | 2.0 | 1554 | $4,000 | $2.57 | 164d | 1 | 0.94mi |
| 5705 Mayflower Way #1407 Ave Maria, FL | 2.0 | 2.0 | 1536 | $2,250 | $1.46 | 164d | 1 | 0.94mi |
| 5068 Annunciation Cir #4201 Ave Maria, FL | 2.0 | 2.0 | 1266 | $3,400 | $2.69 | 164d | 1 | 0.98mi |
| 5068 Annunciation Cir #4210 Ave Maria, FL | 3.0 | 3.0 | 1635 | $2,750 | $1.68 | 51d | 1 | 0.98mi |
| 5068 Annunciation Cir #4211 Ave Maria, FL | 1.0 | 2.0 | 1100 | $2,700 | $2.45 | 164d | 1 | 0.98mi |
| 5068 Annunciation Cir #4211 Ave Maria, FL | 1.0 | 2.0 | 1100 | $2,700 | $2.45 | 10d | 1 | 0.98mi |
| 5784 Declaration Ct Ave Maria, FL | 3.0 | 2.0 | 1416 | $2,295 | $1.62 | 37d | 1 | 1.06mi |
| 5462 Useppa Dr Ave Maria, FL | 3.0 | 2.5 | 1650 | $2,250 | $1.36 | 10d | 1 | 1.10mi |
| 5538 Useppa Dr Ave Maria, FL | 2.0 | 2.5 | 1850 | $10,995 | $5.94 | 10d | 1 | 1.14mi |
| 5935 Mayflower Way Ave Maria, FL | 2.0 | 2.0 | 1460 | $2,550 | $1.75 | 164d | 1 | 1.14mi |
| 5935 Mayflower Way Ave Maria, FL | 2.0 | 2.0 | 1460 | $2,550 | $1.75 | 51d | 1 | 1.14mi |
| 5988 Mayflower Way Ave Maria, FL | 2.0 | 2.0 | 1602 | $5,200 | $3.25 | 164d | 1 | 1.24mi |
| 5988 Mayflower Way Ave Maria, FL | 2.0 | 2.0 | 1602 | $5,200 | $3.25 | 10d | 1 | 1.24mi |
| 5453 Pikewood Ct Ave Maria, FL | 2.0 | 2.5 | 1850 | $7,995 | $4.32 | 10d | 1 | 1.27mi |
| 5453 Pikewood Ct Ave Maria, FL | 2.0 | 2.5 | 1850 | $7,995 | $4.32 | 51d | 1 | 1.27mi |
Property features AI
Finance
- HOA & community
- Community poolClubhouseFitness centerBilliard roomDog parkPlaygroundPickleballParkSaunaTennis courtsTrailsSidewalksNon-gated communityShopping nearbyStreet lightsAssociation fees include irrigation water, road maintenance, street lights, and trashPets allowed
Exterior
- Parking
- Attached, covered garage with one spaceDrivewayPaved parkingGarage door opener
- Utilities
- Public waterPublic sewerHigh-speed internet available
- Home design
- One storySouth-facingEntry level: 1
- Construction
- Tile roofBlock, concrete, and stucco construction
- Exterior features
- PatioOpen patio and porchManual shuttersNorth exposureMunicipal irrigation
Interior
- Kitchen
- DishwasherElectric cooktopGarbage disposalMicrowaveRefrigerator
- Bedrooms
- Bedroom on the main levelPrimary bedroom on the main level
- Flooring
- Vinyl flooring
- Bathrooms
- 2 full bathroomsShower-only bathroomsSeparate shower
- Heating & cooling
- Central electric heatingCentral air conditioning
- Interior features
- Single-hung and sliding windowsUnfurnishedBreakfast barBuilt-in featuresKitchen islandLiving/dining roomDenHigh-speed internet
- Laundry & utility
- WasherDryer
Listing history 50 events
-
2026-11-08days on market $309,900 Active 14 DOM
-
2026-11-07days on market $309,900 Active 13 DOM
-
2026-11-06days on market $309,900 Active 12 DOM
-
2026-11-05days on market $309,900 Active 11 DOM
-
2026-11-04days on market $309,900 Active 10 DOM
-
2026-11-02days on market $309,900 Active 8 DOM
-
2026-11-01days on market $309,900 Active 7 DOM
-
2026-10-31days on market $309,900 Active 6 DOM
-
2026-10-30days on market $309,900 Active 5 DOM
-
2026-10-29days on market $309,900 Active 4 DOM
-
2026-10-28days on market $309,900 Active 3 DOM
-
2026-10-27days on market $309,900 Active 2 DOM
-
2026-10-26remarks 687-char remark
-
2026-10-26pricedays on market $309,900 Active 1 DOM
-
2026-10-23days on market $312,000 Active 177 DOM
-
2026-10-22days on market $312,000 Active 176 DOM
-
2026-10-21days on market $312,000 Active 175 DOM
-
2026-10-20days on market $312,000 Active 174 DOM
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2026-10-19days on market $312,000 Active 173 DOM
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2026-10-18days on market $312,000 Active 172 DOM
-
2026-10-17days on market $312,000 Active 171 DOM
-
2026-10-16days on market $312,000 Active 170 DOM
-
2026-10-15days on market $312,000 Active 169 DOM
-
2026-10-14days on market $312,000 Active 168 DOM
-
2026-10-13days on market $312,000 Active 167 DOM
-
2026-10-12days on market $312,000 Active 166 DOM
-
2026-10-11days on market $312,000 Active 165 DOM
-
2026-10-10days on market $312,000 Active 164 DOM
-
2026-10-09days on market $312,000 Active 163 DOM
-
2026-10-08days on market $312,000 Active 162 DOM
-
2026-10-07days on market $312,000 Active 161 DOM
-
2026-10-07days on market $312,000 Active 160 DOM
-
2026-10-05days on market $312,000 Active 159 DOM
-
2026-10-04days on market $312,000 Active 158 DOM
-
2026-10-04days on market $312,000 Active 157 DOM
-
2026-10-02days on market $312,000 Active 156 DOM
-
2026-10-01days on market $312,000 Active 155 DOM
-
2026-09-30days on market $312,000 Active 154 DOM
-
2026-09-29days on market $312,000 Active 153 DOM
-
2026-09-28days on market $312,000 Active 152 DOM
-
2026-09-27days on market $312,000 Active 151 DOM
-
2026-09-26days on market $312,000 Active 150 DOM
-
2026-09-25days on market $312,000 Active 149 DOM
-
2026-09-24price $312,000 Active 148 DOM
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2026-09-24days on market $309,900 Active 148 DOM
-
2026-09-23days on market $309,900 Active 147 DOM
-
2026-09-22days on market $309,900 Active 146 DOM
-
2026-09-21days on market $309,900 Active 145 DOM
-
2026-09-20days on market $309,900 Active 144 DOM
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2026-09-18days on market $309,900 Active 142 DOM
ⓘ 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
- $5,768 · $481/mo
- Projected year-2 tax
- $5,768 · $481/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 1/10 Low FEMA zone AE · 0% chance over 30 yrs
- Wildfire 7/10 Severe
- Heat 9/10 Extreme 7 d/yr ≥111°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 0 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
- $32,153
- − Mortgage interest
- −$17,359
- − Property taxes
- −$5,768
- − Insurance
- −$6,668
- − Repairs & maintenance
- −$2,572
- − Management
- −$2,572
- − HOA
- −$1,932
- − Depreciation
- −$9,015
- Taxable loss
- −$13,734
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$3,296
- After-tax cash flow
- $-5,173/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 · 12 photos
80/100
Cosmetic rehab
Est. rehab $6,775–$20,325 screening
This home is in good condition with a fresh and inviting appearance. It has a good foundation and structure, and the interior walls and paint are in good condition. The kitchen and bathrooms are well-maintained, and the exterior is clean and well-maintained. The home is move-in ready and has a good resale and rental value.
Value-add opportunities
- Resale Paint the exterior — Fresh paint can enhance curb appeal and home value. ↑
- Both Install new flooring in the bedrooms — New flooring can improve both the resale and rental value. ↑
- Resale Upgrade the kitchen appliances — Modern appliances can attract more buyers and renters. ↑
- Both Add a smart home system — A smart home system can increase both the resale and rental value by making the home more energy-efficient and convenient. ↑
ⓘ 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 60/100
Zoned Schools
Elementary
Estates Elementary School
B+
FL #409/2,144
Nat'l #4,125/41,679
Middle
Corkscrew Middle School
B+
FL #109/571
Nat'l #1,406/14,009
High
Palmetto Ridge High School
D-
FL #207/667
Nat'l #6,330/17,239
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 — Ave Maria
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- Census place
- Ave Maria, FL
- County
- Collier County · 420,858 people
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 35,149
- Household income
- $62,333
- Rent vs Own
- Severe rent burden
- 12% of renters
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
- Majority Hispanic (63%)
- Race & ethnicity
- Hispanic / Latino 63% Two or more races 39% Black 19% White 16% Native American 7%
- Hispanic origin (detail)
- Mexican 43% Puerto Rican 3% Cuban 2% Dominican 1%
- Languages at home
- 34% English-only · Spanish 53% French/Haitian/Cajun 12%
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
- ▼ -1.05%
- Current HPI
- 226.9105
- Rent YoY
- ▲ 2.95%
- 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 |
|---|---|---|
| Industrial Technology | 2 | $29B |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-3.1% since first listed5 events — show timeline
- 2026-10-23 Listed $309,900 FORTMLS
- 2026-10-23 Listing Removed — NAPLESMLS
- 2026-09-24 Price Changed $312,000 NAPLESMLS
- 2026-07-06 Price Changed $309,900 NAPLESMLS
- 2026-04-29 Listed $319,900 NAPLESMLS
Property tax history
+90.3%/yrLatest (2025): $5,768 · +90.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…