3213 E Diana St · Tampa, FL 33610

$146,000

2 bd · 2.0 ba · 1,298 sqft · SingleFamily public records · 1 Days on market

Built 1949 0.32 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 +27.6/30.0
• DSCR +9.7/10.0
• 1% rule +9.0/10.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.3/5.0
• Appreciation +0.0/10.0

Listing remarks

Single-family home set among mature trees in the heart of Tampa. This home features a fantastic floor plan with 1,298 square feet, an open kitchen, 2 bedrooms, 2 bathrooms, and more! This is a must-see; call today to schedule a showing! This is a HomePath property. The seller must comply with HUD Guidelines 24 CFR 206.125.

Key facts

• Fantastic floor plan
• Open kitchen
• 0.32 acre lot

Tags

• OPEN KITCHEN
• FANTASTIC FLOOR PLAN

Property features AI

Finance

• Other: Zoned RS-50
• Financial info: No lease restrictions; Unfurnished
• HOA & community: No homeowners association indicated

Exterior

• Utilities: Public sewer; Electricity available; No water source listed
• Home design: Single family residence; One-story home; Home faces south; Residential property
• Construction: Frame construction; Shingle roof; Block foundation; Built area approximately 1,298 sqft
• Exterior features: Paved road access; Lot dimensions approximately 100 x 139; Lot about 0.32 acres (1/4 to less than 1/2 acre)

Interior

• Bedrooms: 2 bedrooms
• Flooring: Carpet; Other flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Other interior features
• Laundry & utility: No laundry hookups listed

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $146k.

Deal economics

• At list price, monthly cash flow is $435 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $146k).

Location & tenants

• Location reads 79/100 on livability (#142 in FL, #2,135 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: schools C-, crime D+.
• 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 falling (-4.7%/yr); 278 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $2,043/mo this rent would consume 45% of the median local household income ($54k/yr) (locally 2431% 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 $1k 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $110k; 33% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 2.9% of price; built in 1949 — 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 $146,000

Questions for the listing agent

1. Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.40% ✓
• Cap rate: 9.87%
• Cash-on-cash: 12.77%
• DSCR: 1.57
• GRM: 6.0

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: -1.2%
• Equity multiple: 0.96×
• Total profit: $-1,805
• Equity at exit: $21,769

10-year hold

• IRR: 4.5%
• Equity multiple: 1.28×
• Total profit: $11,513
• Equity at exit: $12,623

Cash invested: $40,880 (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 33610

• Home prices YoY: -27.0%
• Rents YoY: -4.7%
• Active inventory: 278
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $2,043 high
• Mortgage (P&I): −$766
• Tax from tax record: −$353 /mo · $4,231/yr
• Insurance: −$61
• HOA: −$0
• Vacancy / Maint / Mgmt: −$429
• Net cashflow: $435

Break-even live

Break-even rent $1,493

Max offer price $146,000

Occupancy floor 74%

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: $36,500
• Closing costs: $4,380
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3411 E Lambright St Tampa, FL	3.0	1.5	1134	$1,950	$1.72	22d	1	0.12mi
3215 E Jean St Tampa, FL	1.0	1.0	1500	$797	$0.53	24d	1	0.21mi
3001 E Jean St Tampa, FL	3.0	2.0	999	$1,695	$1.70	24d	1	0.30mi
4007 E Pocahontas Ave Tampa, FL	3.0	1.0	1100	$2,100	$1.91	24d	1	0.59mi
3022 Deleuil Ave Tampa, FL	3.0	2.0	1053	$1,850	$1.76	19d	1	0.59mi
2224 E Hanna Ave Tampa, FL	3.0	2.0	1630	$2,241	$1.37	5d	1	0.65mi
6503 N 22nd St Tampa, FL	3.0	2.0	1518	$2,950	$1.94	24d	1	0.70mi
4102 Oak Knoll Ct Tampa, FL	3.0	2.0	1134	$1,550	$1.37	24d	1	0.75mi
4102 Oak Knoll Ct Tampa, FL	1.0–3.0	1.0–2.0	912	$1,375	$1.51	3d	56	0.75mi
4102 Oak Knoll Ct Unit 01 020 Tampa, FL	2.0	2.0	890	$1,500	$1.69	24d	1	0.75mi
3625 E Mohawk Ave Tampa, FL	1.0	1.0	1110	$1,750	$1.58	15d	1	0.76mi
2016 E Clifton St Unit A Tampa, FL	3.0	2.0	1250	$2,249	$1.80	24d	1	0.87mi
4113 Gradstone Pl Tampa, FL	3.0	2.5	1364	$1,590	$1.17	15d	1	0.89mi
4119 Gradstone Pl Tampa, FL	3.0	2.0	1364	$1,650	$1.21	14d	1	0.89mi
7402 E Bank Dr #7402 Tampa, FL	3.0	2.5	1364	$2,800	$2.05	24d	1	0.89mi
4105 Waterside Island Ct Tampa, FL	3.0	2.5	1364	$1,995	$1.46	5d	1	0.91mi
4105 Waterside Island Ct Tampa, FL	3.0	2.5	1364	$2,195	$1.61	24d	1	0.91mi
4122 Waterside Island Ct Tampa, FL	3.0	2.5	1364	$1,800	$1.32	24d	1	0.94mi
3706 E Shadowlawn Ave Tampa, FL	3.0	1.0	1080	$1,950	$1.81	10d	1	0.95mi
2007 E Henry Ave Tampa, FL	2.0	2.0	1278	$2,250	$1.76	24d	1	0.96mi
5541 N 22nd St Tampa, FL	1.0–2.0	1.0–2.0	798	$1,950	$2.44	2d	29	0.97mi
3001 E McBerry St Tampa, FL	3.0	2.0	1118	$1,945	$1.74	5d	1	0.99mi
2003 E Clinton St Tampa, FL	3.0	2.0	1281	$2,300	$1.80	24d	1	0.99mi
1714 SE Lambright St Tampa, FL	3.0	2.5	1620	$3,000	$1.85	11d	1	1.07mi
1712 Escort Ave Tampa, FL	3.0	2.0	1430	$2,700	$1.89	24d	1	1.07mi
1705 NE Lambright St Tampa, FL	3.0	2.0	1216	$2,231	$1.83	14d	1	1.11mi
3817 E Miller Ave Tampa, FL	3.0	2.0	1660	$2,120	$1.28	11d	1	1.13mi
3413 E Louisiana Ave #2 Tampa, FL	3.0	2.5	1489	$2,500	$1.68	24d	1	1.20mi
1503 E North St Tampa, FL	3.0	2.0	1584	$3,300	$2.08	24d	1	1.20mi
4418 Porpoise Dr Tampa, FL	3.0	2.0	975	$2,100	$2.15	12d	1	1.20mi
3910 E Ellicott St Tampa, FL	2.0	1.0	950	$1,800	$1.89	24d	1	1.21mi
1610 E Powhatan Ave Tampa, FL	3.0	2.0	1188	$3,250	$2.74	24d	1	1.24mi
1317 E Diana St Unit 1384017P Tampa, FL	3.0	2.0	1065	$3,223	$3.03	5d	1	1.24mi
1419 E Jean St Tampa, FL	2.0	2.0	1366	$2,199	$1.61	24d	1	1.25mi
1702 E Mulberry Dr Tampa, FL	2.0	1.0	1568	$1,000	$0.64	24d	1	1.26mi
7204 N 15th St Tampa, FL	3.0	2.0	1317	$2,950	$2.24	18d	1	1.32mi
4991 Puritan Cir #522 Tampa, FL	2.0	2.0	906	$1,599	$1.76	24d	1	1.32mi
5013 E Sligh Ave Tampa, FL	2.0	1.0–1.5	939	$1,412	$1.50	2d	8	1.37mi
1809 E Sitka St Tampa, FL	3.0	2.0	1115	$1,840	$1.65	15d	1	1.38mi
2615 E Curtis St Tampa, FL	3.0	2.0	1572	$1,850	$1.18	20d	1	1.39mi

Listing history 2 events

1. 2026-06-19
   remarks 324-char remark
2. 2026-06-19
   listed $146,000 Active 1 DOM

ⓘ 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: $4,231 · $353/mo
• Projected year-2 tax: $4,231 · $353/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 ≥109°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 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,518
• − Mortgage interest: −$8,178
• − Property taxes: −$4,231
• − Insurance: −$730
• − Repairs & maintenance: −$1,961
• − Management: −$1,961
• − Depreciation: −$4,247
• Taxable income: $3,208
• Est. tax owed @ 24.0%: −$770
• After-tax cash flow: $4,450/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 — Tampa

• Score: 79/100
• State rank: #142
• US rank: #2135

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tampa, FL
• County: Hillsborough County · 1,540,968 people
• City population: 523,346
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 46,587
• Household income: $54,209
• Rent vs Own: 48.4% rent · 51.6% own
• Severe rent burden: 2431.0

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 0.62)
• Race & ethnicity: Black 55% Hispanic / Latino 22% White 17% Two or more races 13% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 7% Cuban 6%
• Common ancestry: Hispanic 2% Romanian 1% Slovak 1%
• Foreign-born: 18% · Canada
• Languages at home: 75% English-only · Spanish 18% French/Haitian/Cajun 3% Other Asian/Pacific 1%

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: ▼ -158.81%
• Current HPI: 428.9741
• Rent YoY: ▼ -4.72%
• 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

+179.2% since first listed

3 events — show timeline

• 2026-06-18 Listed $146,000 Stellar MLS as Distributed by MLS Grid
• 2004-08-23 Sold (Public Records) $109,500 Public Records
• 2004-04-27 Sold (Public Records) $52,300 Public Records

Property tax history

+25.3%/yr

Latest (2025): $4,231 · +18.5% YoY. Source: county tax records.