13634 Twig Ter · Largo, FL 33774

$169,900

3 bd · 2.0 ba · 1,408 sqft · SingleFamily public records · 1 Days on market

Built 1959 7,754 sqft lot ↓ 15% since listing

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +4.1/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Short Sale. Investor Special. Requires a fair amount of TLC / Rehab. Interior is dated and also requires updating and repair. Will require new kitchen, appliances, bathrooms, flooring, doors, fixtures, paint, new roof, demo and clean out, some exterior work and repair, landscaping, etc. This is a project.

Key facts

• 7,754 sq ft lot
• 2 garage spots
• Built 1959

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $170k).
• Cap rate 13.8% vs local median 4.2% in Largo — 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 82/100 on livability (#82 in FL, #1,240 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, amenities F.
• 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.
• Market conditions: Rents rising (+2.0%/yr); 209 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 44% of the median local income ($79k/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 $1k of loan paydown is wiped out by about $5k 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.
• At projected returns (-3.0% appreciation + 2.0% rent growth), your $48k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 19y 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: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: 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 $169,900

Questions for the listing agent

1. Built in 1959 — 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. 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.
4. 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.
5. 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: 1.71% ✓
• Cap rate: 13.81%
• Cash-on-cash: 26.85%
• DSCR: 2.19
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $501,248
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
12271 137th St N	0.09mi	4/2.0 (+1)	1,428 (+1%)	1mo	$525,000	$368	88
13584 Twig Ter	0.04mi	3/2.0	1,278 (-9%)	4mo	$455,000	$356	79
13583 Croft Dr N	0.05mi	3/2.0	1,299 (-8%)	7mo	$365,000	$281	79
12432 136th Ln	0.05mi	3/2.0	1,247 (-11%)	0mo	$380,000	$305	78
12694 138th Ln	0.29mi	2/2.0 (-1)	1,326 (-6%)	2mo	$419,000	$316	70
13469 Sol Vista Dr	0.69mi	3/2.0	1,397 (-1%)	1mo	$540,000	$387	65
11 Jeff Rd	0.50mi	3/2.0	1,331 (-6%)	4mo	$489,000	$367	64
12833 126th Ter	0.60mi	3/2.0	1,452 (+3%)	6mo	$502,500	$346	62
12196 144th Ln	0.70mi	3/2.0	1,452 (+3%)	1mo	$549,900	$379	61
12367 144th Ln	0.67mi	3/2.0	1,497 (+6%)	7mo	$500,000	$334	53
12815 129th Ter	0.68mi	3/2.0	1,235 (-12%)	3mo	$350,000	$283	45
13632 Imperial Groves Dr S	0.61mi	2/2.0 (-1)	1,251 (-11%)	5mo	$495,000	$396	44

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 · 2.01% rent growth · sell at horizon

5-year hold

• IRR: 19.6%
• Equity multiple: 1.79×
• Total profit: $37,482
• Equity at exit: $25,333

10-year hold

• IRR: 27.2%
• Equity multiple: 3.29×
• Total profit: $108,730
• Equity at exit: $14,690

Cash invested: $47,572 (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 33774

• Rents YoY: 2.0%
• Active inventory: 209
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $2,909 high
• Mortgage (P&I): −$891
• Tax from tax record: −$271 /mo · $3,258/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$611
• Net cashflow: $1,065

Break-even live

Break-even rent $1,561

Max offer price $169,900

Occupancy floor 58%

Sensitivity live

Price	-10% $1,161	-5% $1,113	+0% $1,065	+5% $1,016	+10% $968
Rent	-10% $835	-5% $950	+0% $1,065	+5% $1,179	+10% $1,294
Rate	-1.0pp $1,150	-0.5pp $1,108	base $1,065	+0.5pp $1,021	+1.0pp $976

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13584 Twig Ter Largo, FL	3.0	2.0	1278	$4,200	$3.29	5d	1	0.03mi
12497 136th Ln Largo, FL	3.0	2.0	1350	$2,950	$2.19	25d	1	0.05mi
12800 Vonn Rd Largo, FL	1.0–2.0	1.0	810	$1,458	$1.80	3d	16	0.36mi
14130 Rosemary Ln Largo, FL	2.0	1.5	880	$1,725	$1.96	21d	2	0.42mi
13200 Wilcox Rd Largo, FL	2.0	2.0	932	$1,755	$1.88	4d	2	0.43mi
9 Jeff Rd Largo, FL	2.0	1.0	964	$2,150	$2.23	5d	1	0.49mi
13125 Wilcox Rd Largo, FL	1.0–2.0	1.0–2.0	840	$1,830	$2.18	2d	8	0.56mi
13300 Walsingham Rd Largo, FL	1.0–4.0	1.0–2.0	1060	$2,182	$2.06	25d	1	0.56mi
12760 Indian Rocks Rd Largo, FL	1.0–2.0	1.0–2.0	923	$2,500	$2.71	5d	6	0.69mi
14283 Sharon Dr Largo, FL	3.0	2.0	1314	$2,590	$1.97	25d	1	0.71mi
14455 Starboard Ln Largo, FL	3.0	2.0	1536	$2,000	$1.30	25d	1	0.71mi
14472 Valentine Dr Largo, FL	2.0	2.0	1271	$2,300	$1.81	18d	1	0.72mi
2200 Gladys St Largo, FL	1.0–2.0	1.0–1.5	677	$1,595	$2.35	25d	1	0.73mi
2503 Mary Sue St SW Largo, FL	3.0	2.0	1260	$2,211	$1.75	14d	1	0.82mi
14531 Walsingham Rd Largo, FL	2.0	1.0–2.0	657	$2,600	$3.96	25d	3	0.86mi
2316 Fulton Way Largo, FL	3.0	2.0	1209	$2,699	$2.23	4d	1	0.89mi
3381 19th Pl SW Largo, FL	3.0	2.0	1770	$2,950	$1.67	25d	1	0.98mi
3000 Karen Ave Largo, FL	2.0	1.0	888	$2,450	$2.76	22d	1	1.00mi
3000 Karen Ave Largo, FL	2.0	1.0	888	$2,800	$3.15	25d	1	1.00mi
1 Windrush Blvd Indian Rocks Beach, FL	2.0	1.0–2.0	997	$3,875	$3.88	3d	2	1.07mi
1 Windrush Blvd Indian Rocks Beach, FL	2.0–3.0	1.0–2.0	1177	$5,000	$4.25	25d	2	1.07mi
349 La Hacienda Dr Indian Rocks Beach, FL	3.0	2.0	1254	$5,000	$3.99	25d	1	1.08mi
1830 30th Ln SW Largo, FL	3.0	2.0	1400	$2,725	$1.95	14d	1	1.08mi
1 Windrush Blvd #63 Indian Rocks Beach, FL	2.0	1.0	955	$5,000	$5.24	25d	1	1.08mi
318 Windrush Blvd #9 Indian Rocks Beach, FL	2.0	2.5	1390	$2,850	$2.05	25d	1	1.09mi
3054 Adrian Ave Largo, FL	2.0	1.0	1059	$3,500	$3.31	4d	1	1.14mi
1884 Pine St Largo, FL	3.0	1.5	1012	$2,499	$2.47	22d	1	1.16mi
1635 Gladys St Unit 2 Largo, FL	3.0	1.0	1200	$2,000	$1.67	17d	1	1.17mi
1635 Gladys St Unit 2 Largo, FL	3.0	1.0	1194	$1,900	$1.59	8d	1	1.17mi
3223 Dryer Ave Largo, FL	2.0	1.0	1000	$1,800	$1.80	25d	1	1.21mi
1000 Bay Pine Blvd Indian Rocks Beach, FL	3.0	1.0	936	$3,595	$3.84	4d	1	1.25mi
11300 Harbor Way #1734 Largo, FL	2.0	2.0	1235	$2,800	$2.27	5d	1	1.26mi
1387 Hill Dr Largo, FL	2.0	2.0	1450	$2,850	$1.97	24d	1	1.26mi
11500 Shipwatch Dr #1365 Largo, FL	2.0	2.0	1235	$2,400	$1.94	17d	1	1.27mi
14623 Sunset Dr Largo, FL	3.0	2.0	1621	$2,545	$1.57	5d	1	1.27mi
1210 Bay Palm Blvd Indian Rocks Beach, FL	3.0	2.0	1118	$4,495	$4.02	4d	1	1.35mi
468 20th Ave Indian Rocks Beach, FL	3.0	2.0	1754	$4,995	$2.85	5d	1	1.37mi
115 Canal Ave #3 Indian Rocks Beach, FL	2.0	2.0	1415	$4,500	$3.18	25d	1	1.40mi
900 Harbour House Dr Indian Rocks Beach, FL	3.0	3.0	1616	$4,200	$2.60	18d	1	1.40mi
13607 101st Ter Seminole, FL	2.0	2.0	1503	$3,850	$2.56	4d	1	1.42mi

Listing history 28 events

1. 2025-08-05
   status Pending
2. 2025-08-04
   listed $169,900 Active
3. 2025-04-24
   historical
4. 2025-04-08
   listed $370,000 Active
5. 2025-02-21
   price $355,000
6. 2025-02-17
   status Active
7. 2025-02-07
   status Pending
8. 2025-02-03
   listed $385,000 Active
9. 2018-02-26
   soldstatus $220,000
10. 2018-02-23
    soldstatus $220,000 Sold
11. 2018-01-11
    status Pending
12. 2018-01-10
    price $220,000
13. 2018-01-02
    price $215,000
14. 2017-12-21
    price $219,000
15. 2017-12-01
    status Active
16. 2017-12-01
    status Pending
17. 2017-11-07
    price $220,000
18. 2017-10-20
    price $225,000
19. 2017-09-17
    price $230,000
20. 2017-08-29
    listed $235,000 Active
21. 2012-07-24
    soldstatus $92,000
22. 2012-06-28
    soldstatus $86,000
23. 2012-04-12
    listed $99,900
24. 2012-03-16
    historical
25. 2012-02-02
    listed $69,000
26. 2007-09-05
    soldstatus $160,000
27. 2007-08-30
    soldstatus $160,000
28. 2007-07-05
    listed $199,900

ⓘ 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: $3,258 · $271/mo
• Projected year-2 tax: $3,258 · $271/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 X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,903
• − Mortgage interest: −$9,517
• − Property taxes: −$3,258
• − Insurance: −$850
• − Repairs & maintenance: −$2,792
• − Management: −$2,792
• − Depreciation: −$4,943
• Taxable income: $10,752
• Est. tax owed @ 24.0%: −$2,580
• After-tax cash flow: $10,194/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 — Largo

• Score: 82/100
• State rank: #82
• US rank: #1240

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Largo, FL
• County: Pinellas County · 939,478 people
• City population: 106,311
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 19,799
• Household income: $79,139
• Rent vs Own: 22.7% rent · 77.3% own
• Severe rent burden: 546.0

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 (74%)
• Race & ethnicity: White 74% Black 11% Hispanic / Latino 9% Two or more races 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Cuban 2%
• Common ancestry: Romanian 7% Lithuanian 4% Hispanic 2%
• Foreign-born: 8% · Canada
• Languages at home: 91% English-only · Spanish 4% French/Haitian/Cajun 2% Russian/Polish/Slavic 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: ▼ -383.61%
• Current HPI: 336.629
• Rent YoY: ▲ 2.01%
• 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

-15.0% since first listed

28 events — show timeline

• 2025-08-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-08-04 Listed $169,900 Stellar MLS as Distributed by MLS Grid
• 2025-04-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-04-08 Listed $370,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-21 Price Changed $355,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-17 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-02-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-02-03 Listed $385,000 Stellar MLS as Distributed by MLS Grid
• 2018-02-26 Sold (Public Records) $220,000 Public Records
• 2018-02-23 Sold (MLS) $220,000 Stellar MLS as Distributed by MLS Grid
• 2018-01-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-01-10 Price Changed $220,000 Stellar MLS as Distributed by MLS Grid
• 2018-01-02 Price Changed $215,000 Stellar MLS as Distributed by MLS Grid
• 2017-12-21 Price Changed $219,000 Stellar MLS as Distributed by MLS Grid
• 2017-12-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-12-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-11-07 Price Changed $220,000 Stellar MLS as Distributed by MLS Grid
• 2017-10-20 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2017-09-17 Price Changed $230,000 Stellar MLS as Distributed by MLS Grid
• 2017-08-29 Listed $235,000 Stellar MLS as Distributed by MLS Grid
• 2012-07-24 Sold (Public Records) $92,000 Public Records
• 2012-06-28 Sold (MLS) $86,000 Stellar MLS as Distributed by MLS Grid
• 2012-04-12 Listed $99,900 Stellar MLS as Distributed by MLS Grid
• 2012-03-16 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2012-02-02 Listed $69,000 Stellar MLS as Distributed by MLS Grid
• 2007-09-05 Sold (Public Records) $160,000 Public Records
• 2007-08-30 Sold (MLS) $160,000 Stellar MLS as Distributed by MLS Grid
• 2007-07-05 Listed $199,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+4.1%/yr

Latest (2025): $3,258 · +6.0% YoY. Source: county tax records.