4422 Rose St · Bloomingdale, FL 33596

$124,990

3 bd · 2.0 ba · 924 sqft · Manufactured public records · 230 Days on market

Built 1980 0.93 ac lot

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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 +4.2/10.0
• Livability +3.6/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

A rare find in Valrico! This expansive 0.93-acre lot at 4422 Rose St is zoned AS-1 (Agricultural), offering incredible flexibility for residential or agricultural use. Whether you're looking to build a custom home, start a small farm, or enjoy wide open space with no HOA restrictions, this property provides endless potential. Nestled in a peaceful area with a country feel, yet conveniently close to local amenities and major roadways. Lot with water and electricity installed, big saving! Bring your vision—this is the perfect canvas! All information provided is deemed reliable but not guaranteed and should be independently verified by the buyer.

Key facts

• Zoned as-1
• No hoa restrictions
• 0.93-acre lot

Tags

• 0.93-ACRE LOT
• ZONED AS-1
• NO HOA RESTRICTIONS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $125k.

Deal economics

• At list price, monthly cash flow is $755 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 71/100 on livability (#383 in FL) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A; Watch: schools D+, 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 rising fast (+4.1%/yr); 205 active listings in the ZIP; high-income renter base; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 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.
• At projected returns (-3.0% appreciation + 4.1% rent growth), your $35k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 230 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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 $109,991 (12.0% below list)

Questions for the listing agent

1. It's been on market 230 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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.
7. 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.
8. 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: 2.10% ✓
• Cap rate: 17.63%
• Cash-on-cash: 40.50%
• DSCR: 2.80
• GRM: 4.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.06% rent growth · sell at horizon

5-year hold

• IRR: 21.2%
• Equity multiple: 1.88×
• Total profit: $30,949
• Equity at exit: $18,636

10-year hold

• IRR: 30.3%
• Equity multiple: 3.91×
• Total profit: $101,961
• Equity at exit: $10,807

Cash invested: $34,997 (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 33596

• Home prices YoY: -17.8%
• Rents YoY: 4.1%
• Active inventory: 205
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $2,619 medium
• Mortgage (P&I): −$655
• Tax from tax record: −$180 /mo · $2,163/yr
• Insurance: −$52
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$550
• Net cashflow: $755

Break-even live

Break-even rent $1,664

Max offer price $124,990

Occupancy floor 66%

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: $31,248
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-18
   days on market $124,990 Active 230 DOM
2. 2026-06-17
   days on market $124,990 Active 229 DOM
3. 2026-06-16
   days on market $124,990 Active 228 DOM
4. 2026-06-15
   days on market $124,990 Active 227 DOM
5. 2026-06-13
   days on market $124,990 Active 225 DOM
6. 2026-06-13
   days on market $124,990 Active 224 DOM
7. 2026-06-09
   days on market $124,990 Active 221 DOM
8. 2026-06-08
   days on market $124,990 Active 220 DOM
9. 2026-06-07
   days on market $124,990 Active 219 DOM
10. 2026-06-04
    days on market $124,990 Active 216 DOM
11. 2026-06-03
    days on market $124,990 Active 215 DOM
12. 2026-06-02
    days on market $124,990 Active 214 DOM
13. 2026-06-01
    days on market $124,990 Active 213 DOM
14. 2026-05-31
    days on market $124,990 Active 212 DOM
15. 2025-10-31
    listed $124,990 Active 658-char remark

    Show marketing remark (658 chars)

    A rare find in Valrico! This expansive 0.93-acre lot at 4422 Rose St is zoned AS-1 (Agricultural), offering incredible flexibility for residential or agricultural use. Whether you're looking to build a custom home, start a small farm, or enjoy wide open space with no HOA restrictions, this property provides endless potential. Nestled in a peaceful area with a country feel, yet conveniently close to local amenities and major roadways. Lot with water and electricity installed, big saving! Bring your vision—this is the perfect canvas! All information provided is deemed reliable but not guaranteed and should be independently verified by the buyer.

16. 2025-05-07
    historical
17. 2025-04-16
    listed $149,999 Active
18. 2022-02-18
    soldstatus $375,000
19. 1988-04-01
    soldstatus $30,000
20. 1981-08-01
    soldstatus $26,000

ⓘ 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: $2,163 · $180/mo
• Projected year-2 tax: $2,163 · $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 5/10 Major FEMA zone AE · 27% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 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 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,427
• − Mortgage interest: −$7,001
• − Property taxes: −$2,163
• − Insurance: −$5,743
• − Repairs & maintenance: −$2,514
• − Management: −$2,514
• − Depreciation: −$3,636
• Taxable income: $7,855
• Est. tax owed @ 24.0%: −$1,885
• After-tax cash flow: $7,171/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 — Bloomingdale

• Score: 71/100
• State rank: #383
• US rank: #6757

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bloomingdale, FL
• County: Hillsborough County · 1,540,968 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 27,757
• Household income: $116,465
• Rent vs Own: 16.4% rent · 83.6% own
• Severe rent burden: 437.0

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: Predominantly White (67%)
• Race & ethnicity: White 67% Hispanic / Latino 18% Two or more races 13% Black 8% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 11% Cuban 3%
• Common ancestry: Romanian 3% Lithuanian 2% Italian 2%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 86% English-only · Spanish 9% Other Indo-European 2% 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: ▼ -65.33%
• Current HPI: 301.312
• Rent YoY: ▲ 4.06%
• 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

+380.7% since first listed

6 events — show timeline

• 2025-10-31 Listed $124,990 Stellar MLS as Distributed by MLS Grid
• 2025-05-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-04-16 Listed $149,999 Stellar MLS as Distributed by MLS Grid
• 2022-02-18 Sold (Public Records) $375,000 Public Records
• 1988-04-01 Sold (Public Records) $30,000 Public Records
• 1981-08-01 Sold (Public Records) $26,000 Public Records

Property tax history

+11.8%/yr

Latest (2025): $2,163 · +9.7% YoY. Source: county tax records.