5126 104th St N · Bay Pines, FL 33708

$419,000

4 bd · 1.0 ba · 1,571 sqft · SingleFamily public records · 31 Days on market

Built 1956 7,584 sqft lot Est $481k · 13% under

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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 +13.9/30.0
• ARV discount +13.3/15.0
• Schools +4.3/10.0
• DSCR +4.2/10.0
• Livability +4.0/5.0
• 1% rule +3.6/10.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

Key facts

• Room for boats
• Spacious corner lot
• Abundant parking

Tags

• SPACIOUS CORNER LOT
• ABUNDANT PARKING
• ROOM FOR BOATS
• ROOM FOR RVS
• RECENT IMPROVEMENTS
• IMPACT WINDOWS

Property features AI

Finance

• Other: Zoning: R-3; Lot size about 0.17 acre (approx. 76 x 103); Living area approximately 1,571 (source: public records); Building area approximately 2,024 (source: public records); Universal property ID available
• Financial info: Lease restrictions apply
• HOA & community: No association; No association approval required

Exterior

• Parking: Covered parking; Attached garage (1 car); Garage with garage door opener; Driveway parking; Off-street parking; Guest parking; Boat parking; Ground-level parking
• Security: Security lights
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single family residence; Residential property; One story; East facing; Completed condition; Homestead exempt
• Construction: Block construction; Shingle roof; Slab foundation; Built as a single-level home
• Exterior features: Covered, enclosed and screened patio/front porch; Patio; Front porch; Outdoor lighting; Exterior storage; Gazebo; Shed(s); Workshop; Corner lot; Near public transit; Paved surfaces; Chain link fence; Street lights in the community

Interior

• Kitchen: Built-in oven; Cooktop; Dishwasher; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Concrete floors; Terrazzo floors
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric and solar); Central air conditioning
• Interior features: Ceiling fans; High ceilings; Split bedroom layout; Thermostat; Window treatments; ENERGY STAR qualified windows; Storm windows
• Laundry & utility: Washer and dryer; Laundry area located in garage; Electric water heater; Tankless water heater

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $419k.

Deal economics

• At list price, monthly cash flow is $45 ($542/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 $360k (14.2% below list).
• Recommended offer: $360k (14.2% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 2.8% in Bay Pines — 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 81/100 on livability (#102 in FL, #1,559 nationally) — a professional / high-income tenant draw. Strengths: crime A+, housing A+, health & safety A+; Watch: 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.
• Zoned schools: Orange Grove Elementary School (math 82% / reading 72%, grade A, #170 of 2,144 statewide, top 9%, 435 students, 43% FRL); Osceola Middle School (math 48% / reading 45%, grade D+, #297 of 571 statewide, top 52%, 1,009 students, 52% FRL); Seminole High School (math 26% / reading 47%, grade F, #351 of 667 statewide, top 54%, 1,546 students, 39% FRL) — zoned schools at 45% FRL track the district average.
• Market conditions: Rents soft (-1.8%/yr); 573 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• At $3,597/mo this rent would consume 52% of the median local household income ($82k/yr) (locally 734% 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

• It's been on market 31 days — a 3% lower offer ($406k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 12y 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.
• Current owner paid $330k; 27% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $359,662 (14.2% below list)

Questions for the listing agent

1. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.86% ✗
• Cap rate: 6.42%
• Cash-on-cash: 0.46%
• DSCR: 1.02
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $480,726
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10449 53rd Ave N	0.15mi	3/2.0 (-1)	1,641 (+4%)	3mo	$349,999	$213	74
9782 55th Ave N	0.56mi	3/2.0 (-1)	1,595 (+2%)	1mo	$609,000	$382	62
10259 62nd Cir N	0.64mi	3/2.0 (-1)	1,556 (-1%)	2mo	$475,000	$305	58
4990 99th St N	0.37mi	3/2.0 (-1)	1,438 (-8%)	3mo	$440,000	$306	57
5287 99th Way N	0.35mi	3/2.0 (-1)	1,420 (-10%)	2mo	$525,300	$370	57
10922 52nd Ave N	0.48mi	3/2.0 (-1)	1,628 (+4%)	8mo	$605,000	$372	56
10525 Valencia Rd	0.46mi	4/2.5	1,423 (-9%)	6mo	$425,000	$299	52
10327 Tangelo Rd	0.25mi	3/2.0 (-1)	1,347 (-14%)	6mo	$429,900	$319	51
5010 109th Way N	0.47mi	3/2.0 (-1)	1,794 (+14%)	0mo	$652,000	$363	45
5599 N 110th Way Way N	0.59mi	3/3.0 (-1)	1,448 (-8%)	5mo	$344,500	$238	42
4684 Huron Rd	0.74mi	3/2.0 (-1)	1,735 (+10%)	3mo	$390,000	$225	37
10728 59th Ave	0.69mi	3/2.0 (-1)	1,785 (+14%)	7mo	$444,000	$249	30

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: -18.9%
• Equity multiple: 0.36×
• Total profit: $-75,567
• Equity at exit: $62,474

10-year hold

• IRR: -18.8%
• Equity multiple: 0.12×
• Total profit: $-102,860
• Equity at exit: $36,227

Cash invested: $117,320 (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 33708

• Rents YoY: -1.8%
• Active inventory: 573
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $3,597 high
• Mortgage (P&I): −$2,197
• Tax from tax record: −$424 /mo · $5,092/yr
• Insurance: −$175
• HOA: −$0
• Vacancy / Maint / Mgmt: −$755
• Net cashflow: $45

Break-even live

Break-even rent $3,539

Max offer price $419,000

Occupancy floor 94%

Sensitivity live

Price	-10% $282	-5% $164	+0% $45	+5% $-73	+10% $-192
Rent	-10% $-239	-5% $-97	+0% $45	+5% $187	+10% $329
Rate	-1.0pp $256	-0.5pp $152	base $45	+0.5pp $-63	+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: $104,750
• Closing costs: $12,570
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5106 104th St N Saint Petersburg, FL	3.0	2.0	1561	$3,500	$2.24	5d	1	0.03mi
4939 100th Way N Saint Petersburg, FL	4.0	2.0	1410	$3,300	$2.34	5d	1	0.32mi
4917 99th St N Saint Petersburg, FL	3.0	2.0	1230	$3,500	$2.85	5d	1	0.43mi
10426 Valencia Rd Seminole, FL	3.0	2.0	1389	$2,900	$2.09	6d	1	0.44mi
10341 Kumquat Ln Seminole, FL	3.0	2.0	1596	$4,975	$3.12	26d	1	0.47mi
5784 Bay Pines Lakes Blvd Saint Petersburg, FL	3.0	2.0	1758	$4,300	$2.45	5d	1	0.72mi
10760 62nd Ave Seminole, FL	3.0	2.0	1540	$2,850	$1.85	26d	1	0.73mi
10172 63rd Ave Seminole, FL	3.0	2.0	1311	$3,500	$2.67	6d	1	0.76mi
10222 66th Ave Seminole, FL	5.0	3.0	2105	$5,500	$2.61	6d	1	0.93mi
11525 59th Ter Seminole, FL	3.0	2.0	1740	$2,676	$1.54	15d	1	1.07mi
10405 Addison Way Seminole, FL	1.0–3.0	1.0–2.0	1133	$2,895	$2.56	0d	19	1.10mi
9943 Haven Rd Key Haven Seminole, FL	3.0	3.0	2248	$3,500	$1.56	26d	1	1.33mi
562 Johns Pass Ave Madeira Beach, FL	3.0	2.0	1400	$5,250	$3.75	6d	1	1.37mi
717 Sunset Cove Madeira Beach, FL	3.0	2.0	1305	$3,800	$2.91	0d	1	1.39mi
5434 Oakhurst Dr Seminole, FL	3.0	2.0	1719	$6,000	$3.49	26d	1	1.40mi
400 150th Ave #402 Madeira Beach, FL	3.0	3.0	2012	$5,000	$2.49	5d	1	1.43mi
14183 E Parsley Dr Madeira Beach, FL	3.0	1.0	1060	$2,850	$2.69	6d	1	1.44mi

Listing history 37 events

1. 2026-06-22
   days on market $419,000 Active 31 DOM
2. 2026-06-18
   days on market $419,000 Active 28 DOM
3. 2026-06-17
   days on market $419,000 Active 27 DOM
4. 2026-06-16
   days on market $419,000 Active 26 DOM
5. 2026-06-15
   days on market $419,000 Active 25 DOM
6. 2026-06-13
   days on market $419,000 Active 23 DOM
7. 2026-06-09
   days on market $419,000 Active 19 DOM
8. 2026-06-08
   days on market $419,000 Active 18 DOM
9. 2026-06-07
   days on market $419,000 Active 17 DOM
10. 2026-06-04
    days on market $419,000 Active 14 DOM
11. 2026-06-03
    days on market $419,000 Active 13 DOM
12. 2026-06-02
    days on market $419,000 Active 12 DOM
13. 2026-06-01
    days on market $419,000 Active 11 DOM
14. 2026-05-31
    days on market $419,000 Active 10 DOM
15. 2026-05-21
    listed $419,000 Active
16. 2022-09-26
    soldstatus $330,000
17. 2022-09-19
    status Pending 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

18. 2022-09-16
    soldstatus $330,000 Closed 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

19. 2022-09-16
    soldstatus $330,000 Closed 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

20. 2022-08-08
    status Pending 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

21. 2022-08-03
    price $339,000 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

22. 2022-08-03
    price $339,900 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

23. 2022-07-24
    price $349,000 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

24. 2022-06-30
    price $359,900 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

25. 2022-06-24
    listed $379,900 Active 461-char remark

    Show marketing remark (461 chars)

    Are you looking for a home that is conveniently located close to Bay Pines VA complex, Madeira Beach, Tampa Airport? Easy access to downtown St. Petersburg or I-275. This 3 bedroom, 1 1/2 bath has a bonus room and a1 car garage with a sprinkler system, updated roof and electric. This home may be just what you are searching for. The home sits on a corner lot and has two nicely built sheds, one of them has electricity. Reward yourself and come see it today!

26. 2015-05-19
    soldstatus $133,000
27. 2015-05-13
    historical 482-char remark

    Show marketing remark (482 chars)

    THIS CORNER LOT HOME HAS MANY POSSIBILITIES. LOCATED IN ORANGE ESTATES. IT FEATURES 3 BEDROOMS AND 1 BATH PLUS A NICE SIZE 1 CAR GARAGE. THERE IS ALSO A 22X14 OVERSIZED LIVING ROOM. QUAINT KITCHEN WITH PLENTY OF DINING AREA. THERE IS ALSO A BONUS ROOM PERFECT TO USE AS A PLAY ROOM, GUEST ROOM, MEDIA ROOM, OFFICE OR FAMILY ROOM. THE BACK YARD HAS TWO NICELY BUILT SHEDS ONE WITH ELECTRIC BOTH WITH PLENTY OF STORAGE. HOME IS LOCATED CLOSE TO BAY PINES, THE NEW WALMART AND BEACHES.

28. 2015-05-13
    soldstatus $133,000 Sold 482-char remark

    Show marketing remark (482 chars)

    THIS CORNER LOT HOME HAS MANY POSSIBILITIES. LOCATED IN ORANGE ESTATES. IT FEATURES 3 BEDROOMS AND 1 BATH PLUS A NICE SIZE 1 CAR GARAGE. THERE IS ALSO A 22X14 OVERSIZED LIVING ROOM. QUAINT KITCHEN WITH PLENTY OF DINING AREA. THERE IS ALSO A BONUS ROOM PERFECT TO USE AS A PLAY ROOM, GUEST ROOM, MEDIA ROOM, OFFICE OR FAMILY ROOM. THE BACK YARD HAS TWO NICELY BUILT SHEDS ONE WITH ELECTRIC BOTH WITH PLENTY OF STORAGE. HOME IS LOCATED CLOSE TO BAY PINES, THE NEW WALMART AND BEACHES.

29. 2015-04-27
    status Pending 482-char remark

    Show marketing remark (482 chars)

    THIS CORNER LOT HOME HAS MANY POSSIBILITIES. LOCATED IN ORANGE ESTATES. IT FEATURES 3 BEDROOMS AND 1 BATH PLUS A NICE SIZE 1 CAR GARAGE. THERE IS ALSO A 22X14 OVERSIZED LIVING ROOM. QUAINT KITCHEN WITH PLENTY OF DINING AREA. THERE IS ALSO A BONUS ROOM PERFECT TO USE AS A PLAY ROOM, GUEST ROOM, MEDIA ROOM, OFFICE OR FAMILY ROOM. THE BACK YARD HAS TWO NICELY BUILT SHEDS ONE WITH ELECTRIC BOTH WITH PLENTY OF STORAGE. HOME IS LOCATED CLOSE TO BAY PINES, THE NEW WALMART AND BEACHES.

30. 2015-03-11
    historical Active with Contract 482-char remark

    Show marketing remark (482 chars)

    THIS CORNER LOT HOME HAS MANY POSSIBILITIES. LOCATED IN ORANGE ESTATES. IT FEATURES 3 BEDROOMS AND 1 BATH PLUS A NICE SIZE 1 CAR GARAGE. THERE IS ALSO A 22X14 OVERSIZED LIVING ROOM. QUAINT KITCHEN WITH PLENTY OF DINING AREA. THERE IS ALSO A BONUS ROOM PERFECT TO USE AS A PLAY ROOM, GUEST ROOM, MEDIA ROOM, OFFICE OR FAMILY ROOM. THE BACK YARD HAS TWO NICELY BUILT SHEDS ONE WITH ELECTRIC BOTH WITH PLENTY OF STORAGE. HOME IS LOCATED CLOSE TO BAY PINES, THE NEW WALMART AND BEACHES.

31. 2015-03-07
    listed $129,900 Active 482-char remark

    Show marketing remark (482 chars)

    THIS CORNER LOT HOME HAS MANY POSSIBILITIES. LOCATED IN ORANGE ESTATES. IT FEATURES 3 BEDROOMS AND 1 BATH PLUS A NICE SIZE 1 CAR GARAGE. THERE IS ALSO A 22X14 OVERSIZED LIVING ROOM. QUAINT KITCHEN WITH PLENTY OF DINING AREA. THERE IS ALSO A BONUS ROOM PERFECT TO USE AS A PLAY ROOM, GUEST ROOM, MEDIA ROOM, OFFICE OR FAMILY ROOM. THE BACK YARD HAS TWO NICELY BUILT SHEDS ONE WITH ELECTRIC BOTH WITH PLENTY OF STORAGE. HOME IS LOCATED CLOSE TO BAY PINES, THE NEW WALMART AND BEACHES.

32. 2015-02-26
    historical
33. 2015-02-25
    status Active
34. 2015-02-06
    status Pending
35. 2015-01-15
    price $129,900
36. 2014-10-17
    listed $135,000 Active
37. 1999-07-19
    soldstatus $75,000

ⓘ 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: $5,092 · $424/mo
• Projected year-2 tax: $5,092 · $424/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 · 26 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $43,159
• − Mortgage interest: −$23,471
• − Property taxes: −$5,092
• − Insurance: −$2,095
• − Repairs & maintenance: −$3,453
• − Management: −$3,453
• − Depreciation: −$12,189
• Taxable loss: −$6,592
• Est. tax savings @ 24.0%: +$1,582
• After-tax cash flow: $2,124/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 — Bay Pines

• Score: 81/100
• State rank: #102
• US rank: #1559

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bay Pines, FL
• County: Pinellas County · 939,478 people
• City population: 68
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 15,060
• Household income: $82,500
• Rent vs Own: 24.2% rent · 75.8% own
• Severe rent burden: 734.0

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 5% Asian 4% Two or more races 4% Black 1%
• Common ancestry: Romanian 4% Lithuanian 3% Italian 3%
• Foreign-born: 10% · Canada, Vietnam, Jamaica
• Languages at home: 89% English-only · Spanish 3% Vietnamese 2% Russian/Polish/Slavic 2%

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: ▼ -663.41%
• Current HPI: 317.0675
• Rent YoY: ▼ -1.77%
• 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

+458.7% since first listed

23 events — show timeline

• 2026-05-21 Listed $419,000 Stellar MLS as Distributed by MLS Grid
• 2022-09-26 Sold (Public Records) $330,000 Public Records
• 2022-09-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-09-16 Sold (MLS) $330,000 Stellar MLS as Distributed by MLS Grid
• 2022-09-16 Sold (MLS) $330,000 Stellar MLS as Distributed by MLS Grid
• 2022-08-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-08-03 Price Changed $339,000 Stellar MLS as Distributed by MLS Grid
• 2022-08-03 Price Changed $339,900 Stellar MLS as Distributed by MLS Grid
• 2022-07-24 Price Changed $349,000 Stellar MLS as Distributed by MLS Grid
• 2022-06-30 Price Changed $359,900 Stellar MLS as Distributed by MLS Grid
• 2022-06-24 Listed $379,900 Stellar MLS as Distributed by MLS Grid
• 2015-05-19 Sold (Public Records) $133,000 Public Records
• 2015-05-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-05-13 Sold (MLS) $133,000 Stellar MLS as Distributed by MLS Grid
• 2015-04-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-03-11 Contingent — Stellar MLS as Distributed by MLS Grid
• 2015-03-07 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2015-02-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-02-25 Relisted — Stellar MLS as Distributed by MLS Grid
• 2015-02-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-01-15 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
• 2014-10-17 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 1999-07-19 Sold (Public Records) $75,000 Public Records

Property tax history

+9.7%/yr

Latest (2025): $5,092 · +7.1% YoY. Source: county tax records.