4031 Tumble Wood Trl #204 · University, FL 33613

$119,500

2 bd · 2.0 ba · 912 sqft · Condo public records · 195 Days on market

Built 1984 $395/mo HOA · 26% of rent

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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 +11.0/30.0
• 1% rule +7.7/10.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• Livability +4.2/5.0
• DSCR +3.2/10.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Short Sale. Welcome to 4031 Tumble Wood Trail #204 – a fantastic investment opportunity in Tampa! This 2-bedroom, 2-bath condo is a short sale and is being sold AS-IS, offering incredible potential for the right buyer. Located in a convenient, centrally-situated community, this unit features an open living/dining layout, a private balcony, and spacious bedrooms with ample natural light. Perfect for investors, flippers, or buyers looking to customize their space, this condo allows you to bring your vision to life. With close proximity to shopping, dining, major highways, and local attractions, the location adds outstanding long-term value.

Key facts

• Ample natural light
• Private balcony
• Convenient community

Tags

• PRIVATE BALCONY
• OPEN LIVING DINING LAYOUT
• SPACIOUS BEDROOMS
• AMPLE NATURAL LIGHT
• CONVENIENT COMMUNITY
• CLOSE PROXIMITY TO SHOPPING

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $120k.

Deal economics

• At list price, monthly cash flow is $-50 ($-605/yr) — negative.
• To cash-flow at today's rent, offer at most $111k (7.5% below list).
• Meets the 1% rule at list price ($2k rent vs $120k).
• Recommended offer: $105k (12.0% below list) — sets the bar for market timing.
• Cap rate 5.8% vs local median 3.8% in University — 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 85/100 on livability (#28 in FL, #603 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+.
• 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.
• Zoned schools: Chiles Elementary School (math 81% / reading 78%, grade A, #116 of 2,144 statewide, top 6%, 875 students, 37% FRL); Liberty Middle School (math 53% / reading 51%, grade C+, #217 of 571 statewide, top 40%, 1,081 students, 45% FRL); Freedom High School (math 23% / reading 39%, grade F, #429 of 667 statewide, top 65%, 1,837 students, 54% FRL).
• Market conditions: Rents soft (-0.7%/yr); 110 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 41% of the median local income ($44k/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 $826 of loan paydown is wiped out by about $4k 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.

Negotiation context

• It's been on market 195 days — a 12% lower offer ($105k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 17y ago; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 26% of rent.
• 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 $105,160 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 195 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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.
9. 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.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.27% ✓
• Cap rate: 5.79%
• Cash-on-cash: -1.81%
• DSCR: 0.92
• GRM: 6.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -24.4%
• Equity multiple: 0.20×
• Total profit: $-26,749
• Equity at exit: $17,818

10-year hold

• IRR: -44.3%
• Equity multiple: -0.30×
• Total profit: $-43,496
• Equity at exit: $10,332

Cash invested: $33,460 (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 33613

• Rents YoY: -0.7%
• Active inventory: 110
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,521 high
• Mortgage (P&I): −$627
• Tax from tax record: −$180 /mo · $2,164/yr
• Insurance: −$50
• HOA: −$395
• Vacancy / Maint / Mgmt: −$319
• Net cashflow: $-50

Break-even live

Break-even rent $1,585

Max offer price $110,589

Occupancy floor 98%

Sensitivity live

Price	-10% $17	-5% $-17	+0% $-50	+5% $-84	+10% $-118
Rent	-10% $-171	-5% $-111	+0% $-50	+5% $10	+10% $70
Rate	-1.0pp $10	-0.5pp $-20	base $-50	+0.5pp $-81	+1.0pp $-113

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: $29,875
• Closing costs: $3,585
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4022 Tumble Wood Trl #201 Tampa, FL	2.0	2.0	912	$1,595	$1.75	26d	1	0.05mi
14610 N 42nd St Unit 211 Tampa, FL	2.0	1.5	900	$1,250	$1.39	26d	1	0.06mi
14610 N 42nd St Unit 220 Tampa, FL	2.0	1.5	900	$1,175	$1.31	26d	1	0.06mi
14610 42nd St Tampa, FL	2.0	1.5–2.0	925	$1,212	$1.31	18d	5	0.06mi
14628 N 43rd St Tampa, FL	2.0	1.0	700	$1,600	$2.29	7d	1	0.09mi
4003 Nestle Oaks Pl Tampa, FL	2.0	2.0	921	$1,399	$1.52	26d	1	0.10mi
14618 N 43rd St Tampa, FL	2.0	1.0	700	$1,550	$2.21	7d	1	0.10mi
14608 N 43rd St Tampa, FL	1.0–2.0	1.0	751	$1,400	$1.86	26d	5	0.11mi
3944 Tumble Wood Trl #101 Tampa, FL	2.0	2.0	912	$1,300	$1.43	20d	1	0.13mi
14733 Norwood Oaks Dr #201 Tampa, FL	2.0	2.0	912	$1,800	$1.97	5d	1	0.18mi
14627 Grenadine Dr Tampa, FL	1.0–2.0	1.0–2.0	894	$1,780	$1.99	0d	58	0.21mi
14854 Alcorine Pl Lutz, FL	1.0–2.0	1.0–2.0	985	$2,350	$2.39	1d	14	0.23mi
14555 Bruce B Downs Blvd Tampa, FL	1.0–2.0	1.0–2.0	896	$1,850	$2.06	3d	11	0.25mi
14470 Reuter Strasse Cir Unit 3 Tampa, FL	2.0	2.0	1011	$1,600	$1.58	26d	1	0.28mi
14468 Reuter Strasse Cir #508 Tampa, FL	2.0	2.0	973	$1,600	$1.64	17d	1	0.29mi
14468 Reuter Strasse Cir #503 Tampa, FL	2.0	2.0	973	$1,500	$1.54	26d	1	0.29mi
14414 Reuter Strasse Cir #212 Tampa, FL	2.0	1.5	1098	$1,540	$1.40	26d	1	0.31mi
14454 Reuter Strasse Cir #703 Tampa, FL	1.0	1.0	1007	$1,500	$1.49	26d	1	0.32mi
14607 Pine Glen Cir Lutz, FL	2.0	1.0	930	$1,625	$1.75	26d	1	0.33mi
14416 Hellenic Dr Tampa, FL	1.0–2.0	1.0	810	$1,320	$1.63	3d	7	0.33mi
14976 Osprey Nest Loop Lutz, FL	1.0–3.0	1.0–2.0	1088	$2,151	$1.98	0d	19	0.34mi
14321 Hanging Moss Cir #101 Tampa, FL	2.0	2.0	912	$1,499	$1.64	26d	1	0.36mi
14501 Caribbean Breeze Dr Tampa, FL	1.0–2.0	1.0–2.0	837	$1,703	$2.03	0d	34	0.39mi
14317 Hanging Moss Cir #101 Tampa, FL	2.0	2.0	912	$1,550	$1.70	13d	1	0.39mi
14415 Hanging Moss Cir #101 Tampa, FL	2.0	2.0	912	$1,800	$1.97	26d	1	0.40mi
14551 N 46th St Tampa, FL	1.0–3.0	1.0–2.0	900	$1,677	$1.86	0d	20	0.42mi
4207 Winding Moss Trl #208 Tampa, FL	2.0	2.0	1083	$1,575	$1.45	26d	1	0.44mi
14138 Monterey Pines Dr Tampa, FL	1.0–2.0	1.0–2.5	944	$1,875	$1.99	1d	14	0.45mi
14201 Cyber Pl Tampa, FL	1.0–3.0	1.0–3.0	1099	$2,068	$1.88	1d	44	0.47mi
15501 Bruce B Downs Blvd Tampa, FL	1.0–3.0	1.0–2.0	850	$1,709	$2.01	0d	121	0.48mi
14207 Les Palms Cir Tampa, FL	1.0–2.0	1.0	910	$1,475	$1.62	3d	7	0.48mi
3110 Grand Pavilion Dr Tampa, FL	1.0–2.0	1.0–2.0	745	$1,654	$2.22	0d	11	0.63mi
14003 Saulk Ct Tampa, FL	1.0–2.0	1.0–2.0	850	$1,499	$1.76	0d	24	0.75mi
2866 Somerset Park Dr #202 Tampa, FL	1.0	1.0	832	$1,600	$1.92	26d	1	0.75mi
5100 Live Oaks Blvd Tampa, FL	1.0–3.0	1.0–2.0	1155	$1,685	$1.46	0d	191	0.79mi
2812 Somerset Park Dr Tampa, FL	1.0–3.0	1.0–2.0	991	$1,362	$1.37	5d	2	0.83mi
2812 Somerset Park Dr Tampa, FL	1.0–3.0	1.0–2.0	991	$1,398	$1.41	16d	2	0.83mi
2830 Somerset Park Dr #201 Tampa, FL	1.0	1.0	742	$1,225	$1.65	26d	1	0.84mi
2835 Somerset Park Dr Tampa, FL	2.0–3.0	2.0	1133	$1,500	$1.32	1d	2	0.84mi
14417 Americana Cir Tampa, FL	2.0	1.0	902	$1,550	$1.72	20d	1	0.85mi

HOA detail condo

• Monthly dues: $395 · $4,740/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 38 events

1. 2026-06-21
   days on market $119,500 Active 195 DOM
2. 2026-06-18
   days on market $119,500 Active 192 DOM
3. 2026-06-17
   days on market $119,500 Active 191 DOM
4. 2026-06-16
   days on market $119,500 Active 190 DOM
5. 2026-06-15
   days on market $119,500 Active 189 DOM
6. 2026-06-13
   days on market $119,500 Active 187 DOM
7. 2026-06-13
   days on market $119,500 Active 186 DOM
8. 2026-06-09
   days on market $119,500 Active 183 DOM
9. 2026-06-08
   pricedays on market $119,500 Active 182 DOM
10. 2026-06-07
    days on market $120,000 Active 181 DOM
11. 2026-06-04
    days on market $120,000 Active 178 DOM
12. 2026-06-03
    days on market $120,000 Active 177 DOM
13. 2026-06-02
    days on market $120,000 Active 176 DOM
14. 2026-06-01
    days on market $120,000 Active 175 DOM
15. 2026-05-31
    days on market $120,000 Active 174 DOM
16. 2026-05-19
    price $120,000 652-char remark

    Show marketing remark (652 chars)

    Short Sale. Welcome to 4031 Tumble Wood Trail #204 – a fantastic investment opportunity in Tampa! This 2-bedroom, 2-bath condo is a short sale and is being sold AS-IS, offering incredible potential for the right buyer. Located in a convenient, centrally-situated community, this unit features an open living/dining layout, a private balcony, and spacious bedrooms with ample natural light. Perfect for investors, flippers, or buyers looking to customize their space, this condo allows you to bring your vision to life. With close proximity to shopping, dining, major highways, and local attractions, the location adds outstanding long-term value.

17. 2026-04-27
    price $122,000 652-char remark

    Show marketing remark (652 chars)

    Short Sale. Welcome to 4031 Tumble Wood Trail #204 – a fantastic investment opportunity in Tampa! This 2-bedroom, 2-bath condo is a short sale and is being sold AS-IS, offering incredible potential for the right buyer. Located in a convenient, centrally-situated community, this unit features an open living/dining layout, a private balcony, and spacious bedrooms with ample natural light. Perfect for investors, flippers, or buyers looking to customize their space, this condo allows you to bring your vision to life. With close proximity to shopping, dining, major highways, and local attractions, the location adds outstanding long-term value.

18. 2026-03-17
    status Active 652-char remark

    Show marketing remark (652 chars)

    Short Sale. Welcome to 4031 Tumble Wood Trail #204 – a fantastic investment opportunity in Tampa! This 2-bedroom, 2-bath condo is a short sale and is being sold AS-IS, offering incredible potential for the right buyer. Located in a convenient, centrally-situated community, this unit features an open living/dining layout, a private balcony, and spacious bedrooms with ample natural light. Perfect for investors, flippers, or buyers looking to customize their space, this condo allows you to bring your vision to life. With close proximity to shopping, dining, major highways, and local attractions, the location adds outstanding long-term value.

19. 2026-03-17
    price $126,000 652-char remark

    Show marketing remark (652 chars)

    Short Sale. Welcome to 4031 Tumble Wood Trail #204 – a fantastic investment opportunity in Tampa! This 2-bedroom, 2-bath condo is a short sale and is being sold AS-IS, offering incredible potential for the right buyer. Located in a convenient, centrally-situated community, this unit features an open living/dining layout, a private balcony, and spacious bedrooms with ample natural light. Perfect for investors, flippers, or buyers looking to customize their space, this condo allows you to bring your vision to life. With close proximity to shopping, dining, major highways, and local attractions, the location adds outstanding long-term value.

20. 2026-03-04
    status Pending 652-char remark

    Show marketing remark (652 chars)

    Short Sale. Welcome to 4031 Tumble Wood Trail #204 – a fantastic investment opportunity in Tampa! This 2-bedroom, 2-bath condo is a short sale and is being sold AS-IS, offering incredible potential for the right buyer. Located in a convenient, centrally-situated community, this unit features an open living/dining layout, a private balcony, and spacious bedrooms with ample natural light. Perfect for investors, flippers, or buyers looking to customize their space, this condo allows you to bring your vision to life. With close proximity to shopping, dining, major highways, and local attractions, the location adds outstanding long-term value.

21. 2025-11-25
    listed $130,000 Active 652-char remark

    Show marketing remark (652 chars)

    Short Sale. Welcome to 4031 Tumble Wood Trail #204 – a fantastic investment opportunity in Tampa! This 2-bedroom, 2-bath condo is a short sale and is being sold AS-IS, offering incredible potential for the right buyer. Located in a convenient, centrally-situated community, this unit features an open living/dining layout, a private balcony, and spacious bedrooms with ample natural light. Perfect for investors, flippers, or buyers looking to customize their space, this condo allows you to bring your vision to life. With close proximity to shopping, dining, major highways, and local attractions, the location adds outstanding long-term value.

22. 2022-09-07
    soldstatus $180,000
23. 2022-09-02
    soldstatus $175,000 Closed 1091-char remark

    Show marketing remark (1091 chars)

    Fantastic opportunity to own this spacious move-in ready 2BED/2BATH condo in the highly desired neighborhood of North Oaks right off Bruce B Downs Blvd in Northeast Tampa! The kitchen is equipped with stainless steel appliances. Beautiful wood floors in the living room and master bedroom with lots of natural light leading to the social areas and the two bedrooms and bathrooms. Laundry room with washer & dryer installed are located right off the front balcony. The club house has a huge community pool and tennis courts located at the entrance of the community. HOA fee includes: water, yard, exterior and ground maintenance, and community pool. This can be a great investment property to rent to nearby USF students/employees or as your own beautiful home in an excellent location, just minutes away from USF, Advent Health Hospitals, VA hospital, Moffitt cancer center, etc. It is just minutes from I-75, I-4, I-275, and Veterans Expressway, great restaurants, malls, schools and city parks. Just schedule your appointment to view this great apartment, ready to be your cozy home!

24. 2022-08-10
    status Pending 1091-char remark

    Show marketing remark (1091 chars)

    Fantastic opportunity to own this spacious move-in ready 2BED/2BATH condo in the highly desired neighborhood of North Oaks right off Bruce B Downs Blvd in Northeast Tampa! The kitchen is equipped with stainless steel appliances. Beautiful wood floors in the living room and master bedroom with lots of natural light leading to the social areas and the two bedrooms and bathrooms. Laundry room with washer & dryer installed are located right off the front balcony. The club house has a huge community pool and tennis courts located at the entrance of the community. HOA fee includes: water, yard, exterior and ground maintenance, and community pool. This can be a great investment property to rent to nearby USF students/employees or as your own beautiful home in an excellent location, just minutes away from USF, Advent Health Hospitals, VA hospital, Moffitt cancer center, etc. It is just minutes from I-75, I-4, I-275, and Veterans Expressway, great restaurants, malls, schools and city parks. Just schedule your appointment to view this great apartment, ready to be your cozy home!

25. 2022-08-10
    status Active 1091-char remark

    Show marketing remark (1091 chars)

    Fantastic opportunity to own this spacious move-in ready 2BED/2BATH condo in the highly desired neighborhood of North Oaks right off Bruce B Downs Blvd in Northeast Tampa! The kitchen is equipped with stainless steel appliances. Beautiful wood floors in the living room and master bedroom with lots of natural light leading to the social areas and the two bedrooms and bathrooms. Laundry room with washer & dryer installed are located right off the front balcony. The club house has a huge community pool and tennis courts located at the entrance of the community. HOA fee includes: water, yard, exterior and ground maintenance, and community pool. This can be a great investment property to rent to nearby USF students/employees or as your own beautiful home in an excellent location, just minutes away from USF, Advent Health Hospitals, VA hospital, Moffitt cancer center, etc. It is just minutes from I-75, I-4, I-275, and Veterans Expressway, great restaurants, malls, schools and city parks. Just schedule your appointment to view this great apartment, ready to be your cozy home!

26. 2022-07-02
    status Pending 1091-char remark

    Show marketing remark (1091 chars)

    Fantastic opportunity to own this spacious move-in ready 2BED/2BATH condo in the highly desired neighborhood of North Oaks right off Bruce B Downs Blvd in Northeast Tampa! The kitchen is equipped with stainless steel appliances. Beautiful wood floors in the living room and master bedroom with lots of natural light leading to the social areas and the two bedrooms and bathrooms. Laundry room with washer & dryer installed are located right off the front balcony. The club house has a huge community pool and tennis courts located at the entrance of the community. HOA fee includes: water, yard, exterior and ground maintenance, and community pool. This can be a great investment property to rent to nearby USF students/employees or as your own beautiful home in an excellent location, just minutes away from USF, Advent Health Hospitals, VA hospital, Moffitt cancer center, etc. It is just minutes from I-75, I-4, I-275, and Veterans Expressway, great restaurants, malls, schools and city parks. Just schedule your appointment to view this great apartment, ready to be your cozy home!

27. 2022-06-28
    listed $177,000 Active 1091-char remark

    Show marketing remark (1091 chars)

    Fantastic opportunity to own this spacious move-in ready 2BED/2BATH condo in the highly desired neighborhood of North Oaks right off Bruce B Downs Blvd in Northeast Tampa! The kitchen is equipped with stainless steel appliances. Beautiful wood floors in the living room and master bedroom with lots of natural light leading to the social areas and the two bedrooms and bathrooms. Laundry room with washer & dryer installed are located right off the front balcony. The club house has a huge community pool and tennis courts located at the entrance of the community. HOA fee includes: water, yard, exterior and ground maintenance, and community pool. This can be a great investment property to rent to nearby USF students/employees or as your own beautiful home in an excellent location, just minutes away from USF, Advent Health Hospitals, VA hospital, Moffitt cancer center, etc. It is just minutes from I-75, I-4, I-275, and Veterans Expressway, great restaurants, malls, schools and city parks. Just schedule your appointment to view this great apartment, ready to be your cozy home!

28. 2018-05-25
    soldstatus $79,000
29. 2018-05-21
    soldstatus $79,000 Sold
30. 2018-04-24
    status Pending
31. 2018-04-19
    listed $79,900 Active
32. 2010-10-15
    historical
33. 2009-12-04
    listed $74,900
34. 1998-10-19
    soldstatus $13,400
35. 1998-10-19
    soldstatus $13,400
36. 1998-10-19
    soldstatus $13,400
37. 1993-10-11
    soldstatus $56,400
38. 1993-10-11
    soldstatus $29,000

ⓘ 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: $2,164 · $180/mo
• Projected year-2 tax: $2,164 · $180/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 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 26 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,248
• − Mortgage interest: −$6,694
• − Property taxes: −$2,164
• − Insurance: −$598
• − Repairs & maintenance: −$1,460
• − Management: −$1,460
• − HOA: −$4,740
• − Depreciation: −$3,476
• Taxable loss: −$2,343
• Est. tax savings @ 24.0%: +$562
• After-tax cash flow: $-43/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 — University

• Score: 85/100
• State rank: #28
• US rank: #603

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: University, FL
• County: Hillsborough County · 1,540,968 people
• City population: 41,570
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 37,591
• Household income: $44,032
• Rent vs Own: 68.1% rent · 31.9% own
• Severe rent burden: 4426.0

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 39% Hispanic / Latino 35% Black 18% Two or more races 16% Asian 5% Native American 1%
• Hispanic origin (detail): Mexican 9% Puerto Rican 9% Cuban 6% Dominican 2%
• Common ancestry: Hispanic 2% Lithuanian 1% Slovak 1%
• Foreign-born: 24% · Canada, China, Jamaica
• Languages at home: 62% English-only · Spanish 28% French/Haitian/Cajun 3% Other Indo-European 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: ▼ -329.59%
• Current HPI: 367.4057
• Rent YoY: ▼ -0.69%
• 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

+112.8% since first listed

23 events — show timeline

• 2026-05-19 Price Changed $120,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $122,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Price Changed $126,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-11-25 Listed $130,000 Stellar MLS as Distributed by MLS Grid
• 2022-09-07 Sold (Public Records) $180,000 Public Records
• 2022-09-02 Sold (MLS) $175,000 Stellar MLS as Distributed by MLS Grid
• 2022-08-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-08-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-07-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-06-28 Listed $177,000 Stellar MLS as Distributed by MLS Grid
• 2018-05-25 Sold (Public Records) $79,000 Public Records
• 2018-05-21 Sold (MLS) $79,000 Stellar MLS as Distributed by MLS Grid
• 2018-04-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-04-19 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 2010-10-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2009-12-04 Listed $74,900 Stellar MLS as Distributed by MLS Grid
• 1998-10-19 Sold (Public Records) $13,400 Public Records
• 1998-10-19 Sold (Public Records) $13,400 Public Records
• 1998-10-19 Sold (Public Records) $13,400 Public Records
• 1993-10-11 Sold (Public Records) $29,000 Public Records
• 1993-10-11 Sold (Public Records) $56,400 Public Records

Property tax history

+11.4%/yr

Latest (2025): $2,164 · +0.7% YoY. Source: county tax records.