6710 Mango Ave S · St. Petersburg, FL 33707

$430,000

3 bd · 2.0 ba · 1,847 sqft · SingleFamily public records · 3 Days on market

Built 1957 0.32 ac lot Est $634k · 32% under

---

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 +15.0/15.0
• Cash flow +13.9/30.0
• Schools +4.3/10.0
• DSCR +4.2/10.0
• 1% rule +2.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

6710 Mango Ave S in St. Petersburg, FL is in the highly convenient, tranquil Pasadena on the Gulf neighborhood. It is a fantastic location that perfectly balances peaceful suburban living with easy access to pristine Gulf beaches and the vibrant culture of Downtown St. Pete. Property will require significant rehab. Property is vacant.

Key facts

• Pasadena on the gulf
• 0.32 acre lot
• 2 parking spots

Tags

• PASADENA ON THE GULF
• EASY ACCESS TO GULF BEACHES

Property features AI

Finance

• Other: Living area approximately 1,847 square feet
• HOA & community: No association fees; Pets allowed; Not in a development

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; South-facing; Completed condition; Zoned R-3
• Construction: Block construction; Shingle roof; Slab foundation; Built on a 0.32-acre lot
• Exterior features: Outdoor kitchen; In-ground private pool; Paved road access

Interior

• Kitchen: Other appliances
• Bedrooms: 3 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Open floorplan; Fireplace in the living room
• Laundry & utility: Laundry room inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $430k.

Deal economics

• At list price, monthly cash flow is $51 ($613/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $327k (23.9% below list).
• Recommended offer: $327k (23.9% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 2.6% in St. Petersburg — 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.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Bear Creek Elementary School (math 47% / reading 42%, grade F, #1,288 of 2,144 statewide, top 62%, 286 students, 82% FRL); Boca Ciega High School (math 24% / reading 33%, grade F, #458 of 667 statewide, top 69%, 1,423 students, 64% FRL) — zoned schools average 73% FRL vs 48% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 36% at this address vs 51% district-wide (-14 pts) — the specific schools serving this property underperform the Pinellas average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.6%/yr); 462 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• At $3,271/mo this rent would consume 56% of the median local household income ($70k/yr) (locally 1371% 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 $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $68k; list at $430k implies a 532% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $327,053 (23.9% below list)

Questions for the listing agent

1. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.76% ✗
• Cap rate: 6.44%
• Cash-on-cash: 0.51%
• DSCR: 1.02
• GRM: 11.0

CMA / ARV

• ARV (on-the-fly): $633,521
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
781 Oleander Way S	0.14mi	3/2.0	1,686 (-9%)	8mo	$410,000	$243	72
6400 Pelican Dr S	0.53mi	3/2.0	1,781 (-4%)	6mo	$629,000	$353	64
941 65th St S	0.34mi	3/2.0	1,670 (-10%)	6mo	$400,000	$240	63
1620 Pelican Creek Xing	0.72mi	2/2.0 (-1)	1,850 (+0%)	0mo	$515,000	$278	61
227 Palm Ln N	0.74mi	3/3.0	1,848 (+0%)	5mo	$699,000	$378	57
6530 Renaldo Way	0.52mi	3/2.0	1,720 (-7%)	10mo	$590,000	$343	56
6522 Flamingo Way S	0.39mi	3/2.0	1,574 (-15%)	9mo	$705,000	$448	50
1320 Augusta Ln S	0.51mi	2/2.0 (-1)	1,632 (-12%)	3mo	$450,000	$276	50
6387 4th Ave S	0.53mi	3/2.0	1,595 (-14%)	9mo	$617,500	$387	45
1620 Pelican Creek Xing	0.72mi	2/2.0 (-1)	2,038 (+10%)	6mo	$508,000	$249	39
1410 Sea Gull Dr S	0.71mi	3/2.0	1,619 (-12%)	9mo	$795,000	$491	38
1336 Robin Rd S	0.59mi	2/2.5 (-1)	1,600 (-13%)	9mo	$305,000	$191	36

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -18.5%
• Equity multiple: 0.37×
• Total profit: $-76,230
• Equity at exit: $64,114

10-year hold

• IRR: -17.1%
• Equity multiple: 0.17×
• Total profit: $-100,127
• Equity at exit: $37,179

Cash invested: $120,400 (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.

Methodology + full state rankings →

ZIP-level market 33707

• Rents YoY: -0.6%
• Active inventory: 462
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $3,271 high
• Mortgage (P&I): −$2,255
• Tax from tax record: −$99 /mo · $1,182/yr
• Insurance: −$179
• HOA: −$0
• Vacancy / Maint / Mgmt: −$687
• Net cashflow: $51

Break-even live

Break-even rent $3,206

Max offer price $430,000

Occupancy floor 93%

Sensitivity live

Price	-10% $294	-5% $173	+0% $51	+5% $-71	+10% $-192
Rent	-10% $-207	-5% $-78	+0% $51	+5% $180	+10% $309
Rate	-1.0pp $268	-0.5pp $160	base $51	+0.5pp $-60	+1.0pp $-174

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: $107,500
• Closing costs: $12,900
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6660 Date Palm Ave S Unit 1018211P St. Petersburg, FL	3.0	2.0	1345	$7,147	$5.31	9d	1	0.08mi
6860 Park St S South Pasadena, FL	2.0	2.0	1500	$2,500	$1.67	25d	1	0.22mi
7004 Grevilla Ave S Unit 7004 South Pasadena, FL	3.0	2.5	2017	$3,800	$1.88	25d	1	0.35mi
6301 11th Ave S Gulfport, FL	4.0	2.0	1440	$3,100	$2.15	25d	1	0.58mi
6295 3rd Ave S Saint Petersburg, FL	4.0	2.0	1395	$3,000	$2.15	4d	1	0.66mi
1492 Sea Gull Dr S Saint Petersburg, FL	3.0	2.0	2176	$5,495	$2.53	4d	1	0.82mi
524 61st St S Saint Petersburg, FL	4.0	2.0	1800	$4,350	$2.42	5d	1	0.82mi
1473 Durling Dr S South Pasadena, FL	3.0	2.0	1264	$4,000	$3.16	25d	1	0.86mi
702 Gray St S Gulfport, FL	2.0	2.0	1308	$2,850	$2.18	25d	1	0.99mi
673 59th St S Saint Petersburg, FL	4.0	1.0	1300	$1,950	$1.50	5d	1	1.02mi
7887 9th Ave S Saint Petersburg, FL	4.0	2.5	1961	$4,500	$2.29	25d	1	1.03mi
7405 Bay Island Dr S South Pasadena, FL	2.0–3.0	2.0	1192	$3,500	$2.94	5d	2	1.05mi
7645 Sun Island Dr S #101 South Pasadena, FL	2.0	2.0	1385	$3,200	$2.31	25d	1	1.05mi
1949 Dolphin Blvd S Saint Petersburg, FL	4.0	2.0	1905	$4,850	$2.55	25d	1	1.11mi
7930 Causeway Blvd S Saint Petersburg, FL	3.0	2.0	1454	$3,900	$2.68	5d	1	1.17mi
6348 7th Ave N St Petersburg, FL	3.0	1.5	1637	$2,800	$1.71	25d	1	1.19mi
7400 Sun Island Dr S #311 South Pasadena, FL	2.0	2.0	1300	$2,600	$2.00	25d	1	1.20mi
7400 Sun Island Dr S #503 South Pasadena, FL	2.0	2.0	1230	$2,750	$2.24	25d	1	1.20mi
7400 Sun Island Dr S #505 South Pasadena, FL	2.0	2.0	1325	$2,000	$1.51	25d	1	1.20mi
7920 Sun Island Dr S #205 South Pasadena, FL	3.0	2.0	1575	$3,350	$2.13	5d	1	1.21mi
7600 Sun Island Dr S #205 South Pasadena, FL	2.0	2.0	1250	$2,190	$1.75	25d	1	1.21mi
7600 Sun Island Dr S South Pasadena, FL	2.0	2.0	1400	$2,350	$1.68	5d	1	1.22mi
6260 Kipps Colony Ct #203 Gulfport, FL	3.0	3.0	1980	$4,700	$2.37	5d	1	1.23mi
7125 S Shore Dr S South Pasadena, FL	2.0	2.0	1518	$4,500	$2.96	25d	1	1.26mi
1245 79th St S Saint Petersburg, FL	3.0	2.0	2408	$4,300	$1.79	5d	1	1.29mi
8041 Sailboat Key Blvd S #402 St Pete Beach, FL	3.0	2.0	2000	$5,000	$2.50	25d	1	1.32mi
1721 58th St S Gulfport, FL	3.0	2.0	1412	$2,400	$1.70	5d	1	1.33mi
7871 Sailboat Key Blvd S South Pasadena, FL	1.0–2.0	1.0–2.0	1085	$2,300	$2.12	25d	2	1.34mi
8040 Sailboat Key Blvd S #203 St Pete Beach, FL	2.0	2.0	1265	$2,600	$2.06	18d	1	1.39mi
5609 15th Ave S Gulfport, FL	3.0	2.0	1453	$2,925	$2.01	25d	1	1.39mi
7974 Sailboat Key Blvd S #701 South Pasadena, FL	2.0	2.0	1300	$3,200	$2.46	5d	1	1.40mi
7902 Sailboat Key Blvd S #108 South Pasadena, FL	2.0	2.0	1300	$3,100	$2.38	5d	1	1.42mi

Listing history 4 events

1. 2026-06-18
   days on market $430,000 Active 3 DOM
2. 2026-06-17
   days on market $430,000 Active 2 DOM
3. 2026-06-15
   remarks 336-char remark
4. 2026-06-15
   listed $430,000 Active 1 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: $1,182 · $99/mo
• Projected year-2 tax: $3,569 · $297/mo
• Expected delta: +$2,387/yr (+$199/mo · 201.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (shaded) · 45% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $39,246
• − Mortgage interest: −$24,087
• − Property taxes: −$1,182
• − Insurance: −$2,150
• − Repairs & maintenance: −$3,140
• − Management: −$3,140
• − Depreciation: −$12,509
• Taxable loss: −$6,961
• Est. tax savings @ 24.0%: +$1,671
• After-tax cash flow: $2,284/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: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — St. Petersburg

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Petersburg, FL
• County: Pinellas County · 939,478 people
• City population: 249,151
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 24,324
• Household income: $69,951
• Rent vs Own: 30.1% rent · 69.9% own
• Severe rent burden: 1371.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Two or more races 7% Hispanic / Latino 7% Black 6% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1% Cuban 1%
• Common ancestry: Romanian 5% Lithuanian 3% Slovak 3%
• Foreign-born: 11% · Canada, Vietnam
• Languages at home: 89% English-only · Spanish 5% Russian/Polish/Slavic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -555.96%
• Current HPI: 359.4858
• Rent YoY: ▼ -0.61%
• Metro: Tampa-St. Petersburg-Clearwater, 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

+405.9% since first listed

4 events — show timeline

• 2026-06-15 Listed $430,000 Stellar MLS as Distributed by MLS Grid
• 1992-07-21 Sold (Public Records) $68,000 Public Records
• 1992-05-01 Sold (Public Records) $56,000 Public Records
• 1983-01-01 Sold (Public Records) $85,000 Public Records

Property tax history

-4.8%/yr

Latest (2025): $1,182 · +7.7% YoY. Source: county tax records.