317 Delwood Breck St · Ruskin, FL 33570

$5,000

4 bd · 2.0 ba · 2,165 sqft · SingleFamily public records · 10 Days on market

Built 2007 0.27 ac lot

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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).

• Cash flow +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.2/10.0
• Livability +3.6/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Stop and look at this amazing home with vaulted ceilings throughout. New roof 2022 - 4 bedrooms 2 bath 2 car garage with split bedroom, both the master bathroom and 2nd bathroom have dual sinks. The chefs kitchen with stainless appliances and large Island extra storage, large pantry work desk and is open to the family room. The house sits on an oversized lot, Large fenced in back yard with fruit trees and a large fire pit perfect for entertaining. Backyard has entry on both sides of the house and has a large shed for all the tools and plenty of room to put in the pool of your dreams. No carpet in this home only tile throughout. This home is move in ready very well kept

Key facts

• 0.27 acre lot
• 2 garage spots
• Built 2007

Property features AI

Finance

• Other: Zoning: PD

Exterior

• Parking: Attached garage with 2 spaces
• Utilities: Other water source; Other sewer
• Home design: Single-family residence; One story; Residential property
• Construction: Construction details: see remarks
• Exterior features: Front porch; Other roof

Interior

• Flooring: Other flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: No central heating listed
• Interior features: One total room; Other flooring

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $2k ($22k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $5k).
• Cap rate 470.1% vs local median 4.7% in Ruskin — 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 71/100 on livability (#392 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, commute B+; Watch: schools F, amenities F, health & safety F.
• Hillsborough (suburban): math 47% / reading 50% proficiency, ranked #41 of 73 in FL (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents flat; 489 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 41% of the median local income ($72k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $35 of loan paydown is wiped out by about $150 of value loss. Plan a longer hold.
• Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.9% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 6y 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: major flood risk; 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 $5,000

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 49.80% ✓
• Cap rate: 470.06%
• Cash-on-cash: 1656.31%
• DSCR: 74.70
• GRM: 0.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.9% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 81.68×
• Total profit: $112,956
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 166.31×
• Total profit: $231,432
• Equity at exit: $432

Cash invested: $1,400 (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 33570

• Home prices YoY: -28.8%
• Rents YoY: 0.9%
• Active inventory: 489
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,490 high
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$523
• Net cashflow: $1,866

Break-even live

Break-even rent $128

Max offer price $5,000

Occupancy floor 20%

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 34 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
424 Newmont Cir Ruskin, FL	3.0	3.0	1707	$1,950	$1.14	24d	1	0.18mi
724 Royal Empress Dr Ruskin, FL	3.0	2.5	1796	$2,195	$1.22	3d	1	0.29mi
1029 Spotted Egret Loop Ruskin, FL	3.0	2.5	1463	$2,150	$1.47	5d	1	0.36mi
320 Blue Point Dr Ruskin, FL	4.0	2.0	1767	$2,145	$1.21	3d	1	0.42mi
1438 Delano Trent St Ruskin, FL	4.0	2.5	2275	$2,119	$0.93	22d	1	0.65mi
811 15th St NE Ruskin, FL	3.0	3.0	1870	$2,076	$1.11	14d	1	0.66mi
1609 Carson White Ln Ruskin, FL	4.0	3.0	1808	$2,215	$1.23	2d	1	0.74mi
1309 Alhambra Crest Dr Ruskin, FL	4.0	2.0	2010	$2,315	$1.15	2d	1	0.77mi
1606 Delano Trent St Ruskin, FL	4.0	2.5	2102	$2,100	$1.00	24d	1	0.79mi
1105 Windton Oak Dr Ruskin, FL	4.0	2.5	2073	$2,399	$1.16	24d	1	0.80mi
1119 Windton Oak Dr Ruskin, FL	4.0	2.5	2041	$2,325	$1.14	2d	1	0.81mi
1762 Broad Winged Hawk Dr Ruskin, FL	4.0	2.0	1899	$2,400	$1.26	18d	1	0.82mi
213 6th Ave NW Ruskin, FL	3.0	1.0	1620	$1,795	$1.11	2d	1	0.85mi
903 Zone Tailed Hawk Pl Ruskin, FL	4.0	2.0	1935	$2,200	$1.14	24d	1	0.92mi
1118 Wynnmere Walk Ave Ruskin, FL	5.0	3.0	2563	$3,200	$1.25	24d	1	0.93mi
837 Chatham Walk Dr Ruskin, FL	3.0	2.0	1404	$2,350	$1.67	24d	1	0.94mi
720 Chatham Walk Dr Ruskin, FL	3.0	2.0	1404	$1,985	$1.41	5d	1	0.96mi
1251 9th St SE Ruskin, FL	3.0–4.0	2.0–2.5	1650	$3,500	$2.12	5d	1	0.98mi
2025 Broad Winged Hawk Dr Ruskin, FL	4.0	2.0	1948	$2,365	$1.21	13d	1	1.07mi
939 Kelly Fern Loop Ruskin, FL	4.0	2.5	2406	$2,595	$1.08	2d	1	1.19mi
811 Parker Den Dr Ruskin, FL	4.0	2.5	2325	$2,800	$1.20	24d	1	1.19mi
966 Kelly Fern Loop Ruskin, FL	3.0	2.0	1412	$2,190	$1.55	4d	1	1.21mi
1310 Trailwater St Ruskin, FL	5.0	4.0	2205	$2,500	$1.13	12d	1	1.24mi
5234 Clover Mist Dr Apollo Beach, FL	4.0	2.0	2018	$2,520	$1.25	5d	1	1.27mi
2340 Harris Hawk Ave Ruskin, FL	3.0	2.0	1420	$2,049	$1.44	24d	1	1.29mi
2011 Sea Salt Ct Ruskin, FL	5.0	2.5	2415	$2,600	$1.08	24d	1	1.30mi
602 Olive Conch St Ruskin, FL	4.0	2.5	2078	$2,300	$1.11	5d	1	1.32mi
578 Olive Conch St Ruskin, FL	3.0	2.0	1516	$2,100	$1.39	22d	1	1.32mi
861 Olive Conch St Ruskin, FL	4.0	2.5	1914	$2,300	$1.20	5d	1	1.33mi
2025 Peaceful Palm St Ruskin, FL	4.0	2.0	1606	$2,600	$1.62	14d	1	1.34mi
951 Olive Conch St Ruskin, FL	5.0	2.5	2389	$2,700	$1.13	24d	1	1.35mi
1044 Kelly Fern Loop Ruskin, FL	4.0	3.0	2289	$2,900	$1.27	24d	1	1.38mi
986 7th Ave NW Ruskin, FL	3.0	2.0	1516	$2,476	$1.63	3d	1	1.38mi
234 Star Shell Dr Apollo Beach, FL	3.0	2.0	1880	$1,996	$1.06	22d	1	1.46mi

Listing history 14 events

1. 2026-06-01
   days on market $5,000 Active 10 DOM
2. 2026-05-31
   days on market $5,000 Active 9 DOM
3. 2026-05-22
   listed $5,000 Active
4. 2023-06-07
   soldstatus $400,000
5. 2023-06-06
   soldstatus $400,000 Closed 679-char remark

   Show marketing remark (679 chars)

   Stop and look at this amazing home with vaulted ceilings throughout. New roof 2022 - 4 bedrooms 2 bath 2 car garage with split bedroom, both the master bathroom and 2nd bathroom have dual sinks. The chefs kitchen with stainless appliances and large Island extra storage, large pantry work desk and is open to the family room. The house sits on an oversized lot, Large fenced in back yard with fruit trees and a large fire pit perfect for entertaining. Backyard has entry on both sides of the house and has a large shed for all the tools and plenty of room to put in the pool of your dreams. No carpet in this home only tile throughout. This home is move in ready very well kept

6. 2023-04-15
   status Pending 679-char remark

   Show marketing remark (679 chars)

   Stop and look at this amazing home with vaulted ceilings throughout. New roof 2022 - 4 bedrooms 2 bath 2 car garage with split bedroom, both the master bathroom and 2nd bathroom have dual sinks. The chefs kitchen with stainless appliances and large Island extra storage, large pantry work desk and is open to the family room. The house sits on an oversized lot, Large fenced in back yard with fruit trees and a large fire pit perfect for entertaining. Backyard has entry on both sides of the house and has a large shed for all the tools and plenty of room to put in the pool of your dreams. No carpet in this home only tile throughout. This home is move in ready very well kept

7. 2023-04-04
   listed $395,000 Active 679-char remark

   Show marketing remark (679 chars)

   Stop and look at this amazing home with vaulted ceilings throughout. New roof 2022 - 4 bedrooms 2 bath 2 car garage with split bedroom, both the master bathroom and 2nd bathroom have dual sinks. The chefs kitchen with stainless appliances and large Island extra storage, large pantry work desk and is open to the family room. The house sits on an oversized lot, Large fenced in back yard with fruit trees and a large fire pit perfect for entertaining. Backyard has entry on both sides of the house and has a large shed for all the tools and plenty of room to put in the pool of your dreams. No carpet in this home only tile throughout. This home is move in ready very well kept

8. 2020-09-08
   soldstatus $242,000
9. 2020-08-28
   soldstatus $242,000 Sold 1525-char remark

   Show marketing remark (1525 chars)

   NO CDD’s or Flood insurance needed (please verify. Current owner not required) for this This Freshly Painted 4 Bedroom, 2 Bath 2 Car garage SPLIT BEDROOM Floor plan with VAULTED CEILINGS located on a premium lot with over 1/4 ACRE (unique to this community 1 of 2 lots) featuring Pond & Conservation View from the front yard. . Upon entry through the breezeway, you will immediately notice the exceptionally high vaulted ceilings that stretch from kitchen to the rear of the home. Spacious "Eat In" Kitchen Loaded with no shortage of Cabinet & and Counter Space. With well maintained Stainless Steel Appliances, Deep Stainless Steel Sink w/ Goose Neck Faucet and Decorative Art/Plant Shelves this kitchen is sure to be a great place to cook and gather with family. MASTER SUITE features Dual Sinks, vanities, shower, garden tub and huge walk-in closet. Entertain guest on the lanai or under the pergola on the stone paver patio where you can toast some marshmallows with the kids by the fire pit. Additional features include a 2 car garage with access to interior, Shed and built in speakers throughout the home along with a Vinyl Fence around the entire backyard. Convenient gate to access on front left side as well as dual gates in the backyard so contractors can access the yard from the main road. Easily Accessible for adding that dream pool/oasis. Make this home yours and have the freedom to upgrade how you want. (Current owners are not required to pay flood insurance. Please verify).

10. 2020-07-13
    status Pending 1525-char remark

    Show marketing remark (1525 chars)

    NO CDD’s or Flood insurance needed (please verify. Current owner not required) for this This Freshly Painted 4 Bedroom, 2 Bath 2 Car garage SPLIT BEDROOM Floor plan with VAULTED CEILINGS located on a premium lot with over 1/4 ACRE (unique to this community 1 of 2 lots) featuring Pond & Conservation View from the front yard. . Upon entry through the breezeway, you will immediately notice the exceptionally high vaulted ceilings that stretch from kitchen to the rear of the home. Spacious "Eat In" Kitchen Loaded with no shortage of Cabinet & and Counter Space. With well maintained Stainless Steel Appliances, Deep Stainless Steel Sink w/ Goose Neck Faucet and Decorative Art/Plant Shelves this kitchen is sure to be a great place to cook and gather with family. MASTER SUITE features Dual Sinks, vanities, shower, garden tub and huge walk-in closet. Entertain guest on the lanai or under the pergola on the stone paver patio where you can toast some marshmallows with the kids by the fire pit. Additional features include a 2 car garage with access to interior, Shed and built in speakers throughout the home along with a Vinyl Fence around the entire backyard. Convenient gate to access on front left side as well as dual gates in the backyard so contractors can access the yard from the main road. Easily Accessible for adding that dream pool/oasis. Make this home yours and have the freedom to upgrade how you want. (Current owners are not required to pay flood insurance. Please verify).

11. 2020-07-09
    listed $235,000 Active 1525-char remark

    Show marketing remark (1525 chars)

    NO CDD’s or Flood insurance needed (please verify. Current owner not required) for this This Freshly Painted 4 Bedroom, 2 Bath 2 Car garage SPLIT BEDROOM Floor plan with VAULTED CEILINGS located on a premium lot with over 1/4 ACRE (unique to this community 1 of 2 lots) featuring Pond & Conservation View from the front yard. . Upon entry through the breezeway, you will immediately notice the exceptionally high vaulted ceilings that stretch from kitchen to the rear of the home. Spacious "Eat In" Kitchen Loaded with no shortage of Cabinet & and Counter Space. With well maintained Stainless Steel Appliances, Deep Stainless Steel Sink w/ Goose Neck Faucet and Decorative Art/Plant Shelves this kitchen is sure to be a great place to cook and gather with family. MASTER SUITE features Dual Sinks, vanities, shower, garden tub and huge walk-in closet. Entertain guest on the lanai or under the pergola on the stone paver patio where you can toast some marshmallows with the kids by the fire pit. Additional features include a 2 car garage with access to interior, Shed and built in speakers throughout the home along with a Vinyl Fence around the entire backyard. Convenient gate to access on front left side as well as dual gates in the backyard so contractors can access the yard from the main road. Easily Accessible for adding that dream pool/oasis. Make this home yours and have the freedom to upgrade how you want. (Current owners are not required to pay flood insurance. Please verify).

12. 2007-07-06
    soldstatus $231,000
13. 2006-09-12
    soldstatus $152,800
14. 2006-07-05
    soldstatus $459,300

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (shaded) · 92% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 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 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,877
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$822
• − Repairs & maintenance: −$2,390
• − Management: −$2,390
• − Depreciation: −$145
• Taxable income: $23,774
• Est. tax owed @ 24.0%: −$5,706
• After-tax cash flow: $16,685/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: Hillsborough
• NCES district ID: 1200870
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $50,622
• Composite: 41.6/100
• National rank: #3435
• State rank: #41 of 73 in FL

Livability — Ruskin

• Score: 71/100
• State rank: #392
• US rank: #6879

Category grades

Amenities F Commute B+ Cost of living A+ Crime B- Employment B- Housing A+ Health & safety F User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ruskin, FL
• County: Hillsborough County · 1,540,968 people
• City population: 33,319
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 33,319
• Household income: $72,172
• Rent vs Own: 23.0% rent · 77.0% own
• Severe rent burden: 611.0

Population outlook (Hillsborough County) Hauer SSP2

• Today (2025): 1,607,022 people
• By 2030: 1,733,968 · +7.9%
• By 2040: 1,979,565 · +23.2%
• By 2050: 2,203,427 · +37.1%
• By 2075: 2,667,893 · +66.0%
• By 2100: 2,891,558 · +79.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 40% Hispanic / Latino 32% Black 23% Two or more races 13% Asian 2%
• Hispanic origin (detail): Mexican 16% Puerto Rican 6% Cuban 1% Dominican 4%
• Common ancestry: Italian 2% Romanian 2% Hispanic 2%
• Foreign-born: 13% · Canada, Jamaica
• Languages at home: 72% English-only · Spanish 23% French/Haitian/Cajun 2%

Political lean MEDSL · Hillsborough

• 2024 margin: Toss-up / Even · D 47.8% · R 50.9% · Other 1.3%
• 2008→2024 swing: -10.2pp toward R · 2008: 7.1pp · 2024: -3.1pp
• All cycles: 2024: R+3.1 2020: D+6.9 2016: D+6.8 2012: D+6.7 2008: D+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -112.10%
• Current HPI: 277.8257
• Rent YoY: ▲ 0.90%
• 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

-98.9% since first listed

12 events — show timeline

• 2026-05-22 Listed $5,000 HAOR as distributed by MLS GRID
• 2023-06-07 Sold (Public Records) $400,000 Public Records
• 2023-06-06 Sold (MLS) $400,000 Stellar MLS as Distributed by MLS Grid
• 2023-04-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-04-04 Listed $395,000 Stellar MLS as Distributed by MLS Grid
• 2020-09-08 Sold (Public Records) $242,000 Public Records
• 2020-08-28 Sold (MLS) $242,000 Stellar MLS as Distributed by MLS Grid
• 2020-07-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-07-09 Listed $235,000 Stellar MLS as Distributed by MLS Grid
• 2007-07-06 Sold (MLS) $231,000 Stellar MLS as Distributed by MLS Grid
• 2006-09-12 Sold (Public Records) $152,800 Public Records
• 2006-07-05 Sold (Public Records) $459,300 Public Records

Property tax history

+11.8%/yr

Latest (2025): $6,679 · +4.4% YoY. Source: county tax records.