Teams

Fall Winners/The Dunes - Gardner

2025 Collier Adult 40 & Over ESL Fall · Adult 40 & Over 4.0 Women

15 players · average NTRP 4.00 / REGION_7

No matches recorded for this roster in this league — it may be a placeholder registration, or the season may not have started.

View scouting list →
Schedule8 played
2024-12-17vs Pelican Marsh - BargerSplit 11
W#1 DoublesTammy Finlinson / Amy Gardner vs Shelley Boggess / Kristen Catino6-3, 5-7, 1-0
L#2 DoublesCandace Azad / Christine Ragain vs Diana Pleeter / Marie Shoaf3-6, 2-6
2024-12-05vs Marco YMCA - WashakWon 31
L#1 DoublesKristie McCormick / Wendy Garber vs Marzenna Nowak / Bernadette DiPino6-3, 2-6, 1-0
W#1 SinglesKAREN MAJERCZAK vs Suzanne Messere3-6, 6-0, 1-0
W#2 DoublesChrissy Rogers / Sandee Kozel vs Rachel Schenk / Susanna Haedelt7-6, 6-3
W#3 DoublesCandace Azad / Christine Ragain vs Jennifer Ball / Donna Digeronimo6-4, 6-0
2024-12-03vs Heritage Bay - DelkWon 20
W#2 DoublesKristie McCormick / Wendy Garber vs Marie France McCloskey / Rachael Klaas6-4, 6-0
W#3 DoublesCandace Azad / Katie Lober vs Cynthia Heidkamp / Julie Lenhart6-3, 7-6
2024-11-19vs World Tennis Club - BadiuSplit 11
W#2 DoublesChrissy Rogers / Sandee Kozel vs Tam Pham / Vesna Petrovic6-2, 7-5
L#3 DoublesCandace Azad / Christine Ragain vs Terry Dirr / Michele Nelson-Baker5-7, 6-4, 0-1
2024-11-12vs Pelican Marsh - BargerWon 20
W#1 DoublesKimberly DiStefano / Tracy Stuben vs Nancy Krueger / Carla Klumpp6-4, 6-2
W#1 SinglesKAREN MAJERCZAK vs Karen Davis6-1, 6-3
2024-10-29vs Heritage Bay - DelkWon 20
W#2 DoublesKimberly DiStefano / Sara Munholland vs Marie France McCloskey / Rachael Klaas6-4, 6-1
W#3 DoublesCandace Azad / Katie Lober vs Mia Delk / Cynthia Heidkamp6-2, 6-2
2024-10-22vs Marco YMCA - WashakWon 21
L#1 DoublesTracy Stuben / Kimberly DiStefano vs Marzenna Nowak / Bernadette DiPino2-6, 3-6
W#2 DoublesTammy Finlinson / Amy Gardner vs Susanna Haedelt / Ann Garvey4-6, 6-0, 1-0
W#3 DoublesWendy Garber / Sara Munholland vs Mary Fischer / Donna Curry6-1, 6-1
2024-10-15vs World Tennis Club - BadiuWon 21
W#1 DoublesTammy Finlinson / Amy Gardner vs Jocelyn Badiu / Terry Dirr6-2, 7-6
W#2 DoublesSara Munholland / Wendy Garber vs Debi Reed / Sheryl Fox6-0, 7-6
L#3 DoublesCandace Azad / Katie Lober vs Vesna Petrovic / Tam Pham2-6, 1-6
A tie can be incomplete. Tell us if someone is missing.
i
Grouped by tie — one fixture, several lines. A line shows only when a player on it is someone we have indexed, so an early-season tie for a newly-added team can look short. This also means the line count here will not match the header, which counts individual player appearances.

Flight standings for Adult 40 & Over 4.0 Women have not been collected yet. Where we have them we show every team in the flight ranked, with this team highlighted. The crawler is still filling in older seasons and flights.

ScoutingWhere each opponent usually plays

Signed-in extra: whether this captain plays strict strength order or mixes it up, from every doubles line they have put out. Create a free account to see it.

Roster averages 3.90 estimated across 14 rated players. No lineup is published in advance, so the column below is where each player has actually been used — a captain's habits are the best available forecast. Sign in and claim your record to see who you have played.

4.17
Monica Jimenez
published
4.04
Kristie McCormick
published
4.04
Christine Ragain
usually #3 Doubles 67%, also #2 Doubles 33% · published 4
4.03
Sandee Kozel
usually #2 Doubles 100% · published 4
4.02
Robin Inscho
published 4
3.95
Amy Gardner
published 4
3.94
Tammy Finlinson
usually #1 Doubles 67%, also #2 Doubles 33% · published 4
3.93
Kimberly DiStefano
usually #1 Doubles 40%, also #2 Doubles 20% · published 4
3.87
Chrissy Rogers
published 4
3.87
Wendy Garber
usually #2 Doubles 50%, also #3 Doubles 25% · published
3.80
Sara Munholland
published
3.73
KAREN MAJERCZAK
usually #1 Singles 100% · published 4
3.63
Melissa Bailey
published
3.56
Candace Azad
usually #3 Doubles 83%, also #2 Doubles 17% · published 4
Katie Lober
published
Established pairs

Doubles pairs from this roster with three or more matches together anywhere — ordered by performance against what the rating gap predicted, not by record.

Wendy Garber + Kimberly DiStefano7170% games+3.7% vs expected
Amy Gardner + Tammy Finlinson8658% games+3.1% vs expected
Candace Azad + Christine Ragain3449% gamesnot enough data
Wendy Garber + Christine Ragain404 matchesnot enough data
Wendy Garber + Melissa Bailey314 matchesnot enough data
Roster

Ordered by our estimated dynamic rating, which is why two players at the same published level are not tied — a published 4.0 says nothing about where inside the band someone sits. Lines played in this team’s season are shown beside each name.

Monica Jimenez
20W–7L career · no lines in 2025
11%88%1%
4.17
Kristie McCormick
5W–5L career · no lines in 2025
38%62%<1%
4.04
4
Christine Ragain
50W–25L career · 3 lines in 2025
<1%40%60%
4.04
4
Sandee Kozel
81W–27L career · 2 lines in 2025
<1%41%59%
4.03
4
Robin Inscho
139W–47L career · no lines in 2025
<1%44%56%
4.02
4
Amy Gardner
14W–10L career · no lines in 2025
<1%65%35%
3.95
4
Tammy Finlinson
61W–28L career · 3 lines in 2025
<1%65%35%
3.94
4
Kimberly DiStefano
162W–61L career · 5 lines in 2025
<1%70%30%
3.93
4
Chrissy Rogers
23W–11L career · no lines in 2025
<1%82%18%
3.87
Wendy Garber
128W–93L career · 4 lines in 2025
<1%83%17%
3.87
Sara Munholland
9W–5L career · no lines in 2025
2%91%7%
3.80
4
KAREN MAJERCZAK
160W–108L career · 2 lines in 2025
5%92%3%
3.73
Melissa Bailey
14W–17L career · no lines in 2025
17%82%<1%
3.63
4
Candace Azad
132W–98L career · 6 lines in 2025
34%65%<1%
3.56
Katie Lober
1W–1L career · no lines in 2025
not enough data

Three percentages are where each player stands right now: the chance they are below their band, inside it, or above it, on the way they are playing this season. The number on the right is our estimated dynamic rating, which USTA never publishes. This is today rather than a forecast of December, because a forecast has to assume future matches and cannot know whether someone will even be offered them. Percentages are blank where a player has too few matches this season, or at a level where the model does not yet beat a base-rate guess; the estimate is a weaker claim than a probability and survives where those do not.

Not affiliated with or endorsed by the USTA. Ratings labelled as published are USTA year-end figures; anything we describe as an estimate is ours, not USTA’s. Match data is from USTA TennisLink.