8305 N 13th St · Tampa, FL 33604

$229,000

3 bd · 1.0 ba · 1,029 sqft · SingleFamily public records · 172 Days on market

Built 1950 5,000 sqft lot

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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 +12.9/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• DSCR +3.9/10.0
• 1% rule +3.1/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this newly gutted and fully remodeled home located in an established Tampa neighborhood. T his move-in-ready property features new laminate wood flooring throughout, creating a modern and cohesive look. The updated kitchen is equipped with new stainless steel appliances, offering both style and functionality. Recent upgrades include a new A/C system and a new roof, providing peace of mind for years to come. The home sits on a generously sized lot with a fully fenced yard, ideal for pets, outdoor entertaining, or added privacy. Conveniently located near major roadways, shopping, dining, and all that Tampa has to offer. This beautifully updated home is a great opportunity for homeowners or investors alike. Schedule your private showing today.

Key facts

• New a/c system
• Updated kitchen
• Fully fenced yard

Tags

• REMODELED HOME
• UPDATED KITCHEN
• NEW STAINLESS STEEL APPLIANCES
• NEW A/C SYSTEM
• NEW ROOF
• FULLY FENCED YARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $229k.

Deal economics

• At list price, monthly cash flow is $-18 ($-211/yr) — negative.
• To cash-flow at today's rent, offer at most $226k (1.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $185k (19.3% below list).
• Recommended offer: $185k (19.3% below list) — sets the bar for 1% rule.

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 flat; 368 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).
• This rent runs 38% of the median local income ($59k/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 $2k of loan paydown is wiped out by about $7k 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 172 days — a 12% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
• 12 sale attempts since 22y ago; this cycle's ask has dropped $20k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $63k; list at $229k implies a 263% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,864 (19.3% 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 172 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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 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: 0.81% ✗
• Cap rate: 6.20%
• Cash-on-cash: -0.33%
• DSCR: 0.99
• GRM: 10.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.52% rent growth · sell at horizon

5-year hold

• IRR: -19.5%
• Equity multiple: 0.33×
• Total profit: $-42,767
• Equity at exit: $34,145

10-year hold

• IRR: -18.1%
• Equity multiple: 0.12×
• Total profit: $-56,408
• Equity at exit: $19,800

Cash invested: $64,120 (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 33604

• Home prices YoY: -31.3%
• Rents YoY: 0.5%
• Active inventory: 368
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,849 high
• Mortgage (P&I): −$1,201
• Tax from tax record: −$182 /mo · $2,180/yr
• Insurance: −$95
• HOA: −$0
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $-18

Break-even live

Break-even rent $1,871

Max offer price $225,891

Occupancy floor 96%

Sensitivity live

Price	-10% $112	-5% $47	+0% $-18	+5% $-82	+10% $-147
Rent	-10% $-164	-5% $-91	+0% $-18	+5% $55	+10% $128
Rate	-1.0pp $98	-0.5pp $41	base $-18	+0.5pp $-77	+1.0pp $-137

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: $57,250
• Closing costs: $6,870
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8215 N Klondyke St Unit B Tampa, FL	2.0	1.0	1352	$1,299	$0.96	25d	1	0.04mi
8210 N 13th St Tampa, FL	2.0	1.0	995	$1,895	$1.90	5d	1	0.07mi
8304 N Mulberry St Tampa, FL	3.0	1.0	858	$1,650	$1.92	5d	1	0.14mi
8301 N Alaska St Tampa, FL	3.0	2.0	1356	$2,600	$1.92	4d	1	0.16mi
8105 N Klondyke St Tampa, FL	2.0	1.0	1440	$1,200	$0.83	22d	1	0.17mi
8105 N Klondyke St Unit A- Tampa, FL	2.0	1.0	720	$1,200	$1.67	3d	1	0.17mi
8416 N Brooks St Tampa, FL	3.0	2.0	1090	$1,900	$1.74	11d	1	0.18mi
8105 N 12th St Tampa, FL	2.0	1.0	874	$1,650	$1.89	25d	1	0.18mi
8117 N Mulberry St Unit B Tampa, FL	3.0	1.0	800	$1,987	$2.48	5d	1	0.21mi
8117 N Mulberry St Unit B Tampa, FL	3.0	1.0	800	$2,750	$3.44	22d	1	0.21mi
8118 N Alaska St Tampa, FL	2.0	1.0	700	$1,500	$2.14	3d	1	0.22mi
8506 N Brooks St Unit A Tampa, FL	3.0	1.0	1004	$1,950	$1.94	11d	1	0.25mi
8501 N Mulberry St Apt B Tampa, FL	2.0	1.0	1296	$1,350	$1.04	25d	1	0.26mi
8415 N 10th St Tampa, FL	3.0	2.0	1200	$1,836	$1.53	25d	1	0.27mi
8419 N Semmes St Tampa, FL	3.0	1.0	864	$1,750	$2.03	25d	1	0.31mi
8004 N Alaska St Tampa, FL	2.0	1.0	844	$1,595	$1.89	25d	1	0.33mi
8213 N 17th St Tampa, FL	3.0	1.0	880	$1,800	$2.05	25d	1	0.33mi
8218 N Elmer St Unit B Tampa, FL	2.0	1.0	756	$1,400	$1.85	25d	1	0.36mi
8307 N Elmer St Tampa, FL	3.0	1.0	1030	$1,919	$1.86	3d	1	0.38mi
1013 E Eskimo Ave Tampa, FL	3.0	2.0	1350	$2,045	$1.51	25d	1	0.43mi
1703 E Wood St Tampa, FL	3.0	2.0	1224	$2,426	$1.98	12d	1	0.44mi
1709 E Idell St Unit B Tampa, FL	3.0	1.0	857	$1,500	$1.75	3d	1	0.44mi
1809 E Sitka St Tampa, FL	3.0	2.0	1115	$1,840	$1.65	15d	1	0.46mi
8619 N Mulberry St Unit A Tampa, FL	2.0	1.0	742	$1,350	$1.82	25d	1	0.47mi
1607 E Maple Ave Tampa, FL	3.0	2.0	1061	$1,500	$1.41	25d	1	0.47mi
1607 E Maple Ave Tampa, FL	3.0	2.0	1061	$1,500	$1.41	22d	1	0.47mi
1500 E Humphrey St Tampa, FL	2.0	1.5–2.0	858	$1,772	$2.07	25d	1	0.48mi
1503 E Humphrey St Apt D Tampa, FL	2.0	1.5	850	$1,750	$2.06	25d	1	0.50mi
1502 E Humphrey St Apt C Tampa, FL	2.0	1.5	850	$1,750	$2.06	25d	1	0.50mi
1505 E Humphrey St Apt A Tampa, FL	2.0	1.5	850	$1,750	$2.06	25d	1	0.51mi
1508 E Humphrey St Apt B Tampa, FL	2.0	1.5	850	$1,750	$2.06	25d	1	0.51mi
1504 E Humphrey St Apt D Tampa, FL	2.0	1.5	850	$1,750	$2.06	25d	1	0.52mi
1601 E Marks Dr Tampa, FL	2.0	1.0	700	$1,490	$2.13	25d	1	0.52mi
1506 E Humphrey St Apt B Tampa, FL	2.0	1.5	850	$1,750	$2.06	25d	1	0.53mi
8618 N 20th St Tampa, FL	3.0	2.0	1064	$2,011	$1.89	5d	1	0.65mi
9301 N 16th St Tampa, FL	4.0	2.0	1401	$2,500	$1.78	25d	1	0.72mi
7204 N 15th St Tampa, FL	3.0	2.0	1317	$2,950	$2.24	18d	1	0.73mi
1502 E Sewaha St Tampa, FL	2.0	1.0	784	$1,350	$1.72	14d	1	0.78mi
2014 E Humphrey St Tampa, FL	3.0	1.0	880	$1,690	$1.92	11d	1	0.79mi
9410 N 11th St Unit B Tampa, FL	2.0	1.0	1300	$1,995	$1.53	18d	1	0.79mi

Listing history 36 events

1. 2026-06-08
   statusdays on market $229,000 Pending 172 DOM
2. 2026-06-07
   days on market $229,000 Active 171 DOM
3. 2026-06-04
   days on market $229,000 Active 168 DOM
4. 2026-06-03
   days on market $229,000 Active 167 DOM
5. 2026-06-02
   days on market $229,000 Active 166 DOM
6. 2026-06-01
   days on market $229,000 Active 165 DOM
7. 2026-05-31
   days on market $229,000 Active 164 DOM
8. 2026-04-15
   price $229,000 761-char remark

   Show marketing remark (761 chars)

   Welcome to this newly gutted and fully remodeled home located in an established Tampa neighborhood. T his move-in-ready property features new laminate wood flooring throughout, creating a modern and cohesive look. The updated kitchen is equipped with new stainless steel appliances, offering both style and functionality. Recent upgrades include a new A/C system and a new roof, providing peace of mind for years to come. The home sits on a generously sized lot with a fully fenced yard, ideal for pets, outdoor entertaining, or added privacy. Conveniently located near major roadways, shopping, dining, and all that Tampa has to offer. This beautifully updated home is a great opportunity for homeowners or investors alike. Schedule your private showing today.

9. 2026-02-16
   price $239,999 761-char remark

   Show marketing remark (761 chars)

   Welcome to this newly gutted and fully remodeled home located in an established Tampa neighborhood. T his move-in-ready property features new laminate wood flooring throughout, creating a modern and cohesive look. The updated kitchen is equipped with new stainless steel appliances, offering both style and functionality. Recent upgrades include a new A/C system and a new roof, providing peace of mind for years to come. The home sits on a generously sized lot with a fully fenced yard, ideal for pets, outdoor entertaining, or added privacy. Conveniently located near major roadways, shopping, dining, and all that Tampa has to offer. This beautifully updated home is a great opportunity for homeowners or investors alike. Schedule your private showing today.

10. 2025-12-18
    listed $249,000 Active 761-char remark

    Show marketing remark (761 chars)

    Welcome to this newly gutted and fully remodeled home located in an established Tampa neighborhood. T his move-in-ready property features new laminate wood flooring throughout, creating a modern and cohesive look. The updated kitchen is equipped with new stainless steel appliances, offering both style and functionality. Recent upgrades include a new A/C system and a new roof, providing peace of mind for years to come. The home sits on a generously sized lot with a fully fenced yard, ideal for pets, outdoor entertaining, or added privacy. Conveniently located near major roadways, shopping, dining, and all that Tampa has to offer. This beautifully updated home is a great opportunity for homeowners or investors alike. Schedule your private showing today.

11. 2025-12-12
    listed $1,750
12. 2025-11-23
    historical $1,800
13. 2025-11-21
    listed $1,800
14. 2017-08-09
    soldstatus $63,000
15. 2017-08-04
    soldstatus $63,000 Sold 366-char remark

    Show marketing remark (366 chars)

    This 3bed/1bath, 1029 sqft wood-frame home is currently tenant occupied at $750 on a month-to-month which is below market and leaves room to increase. Central Ac, large yard, fresh exterior paint, termite tented 2015, close to schools, shopping, dining, major roadways, etc. motivated Seller will respond to all offers same day so Hurry! This one will not last long!

16. 2017-07-24
    status Pending 366-char remark

    Show marketing remark (366 chars)

    This 3bed/1bath, 1029 sqft wood-frame home is currently tenant occupied at $750 on a month-to-month which is below market and leaves room to increase. Central Ac, large yard, fresh exterior paint, termite tented 2015, close to schools, shopping, dining, major roadways, etc. motivated Seller will respond to all offers same day so Hurry! This one will not last long!

17. 2017-07-18
    listed $59,000 Active 366-char remark

    Show marketing remark (366 chars)

    This 3bed/1bath, 1029 sqft wood-frame home is currently tenant occupied at $750 on a month-to-month which is below market and leaves room to increase. Central Ac, large yard, fresh exterior paint, termite tented 2015, close to schools, shopping, dining, major roadways, etc. motivated Seller will respond to all offers same day so Hurry! This one will not last long!

18. 2014-09-24
    historical
19. 2014-07-29
    price $40,000
20. 2014-06-18
    listed $45,000 Active
21. 2012-04-13
    soldstatus $27,000
22. 2011-05-12
    listed $29,900
23. 2009-01-16
    soldstatus $21,000
24. 2008-11-26
    listed $19,900
25. 2008-11-12
    historical
26. 2008-11-12
    historical
27. 2008-09-05
    listed $65,500
28. 2008-08-08
    listed $65,500
29. 2008-01-22
    historical
30. 2007-01-22
    listed $136,000
31. 2005-11-21
    soldstatus $139,000
32. 2005-06-24
    listed $140,000
33. 2004-06-15
    listed $92,000
34. 2004-03-17
    soldstatus $98,500
35. 1985-06-01
    soldstatus $28,700
36. 1983-11-01
    soldstatus $28,000

ⓘ 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: $2,180 · $182/mo
• Projected year-2 tax: $2,180 · $182/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 ≥108°F today · 27 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: $22,184
• − Mortgage interest: −$12,828
• − Property taxes: −$2,180
• − Insurance: −$1,145
• − Repairs & maintenance: −$1,775
• − Management: −$1,775
• − Depreciation: −$6,662
• Taxable loss: −$4,181
• Est. tax savings @ 24.0%: +$1,003
• After-tax cash flow: $792/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): 40,055
• Household income: $58,766
• Rent vs Own: 44.0% rent · 56.0% own
• Severe rent burden: 2581.0

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: Hispanic / Latino 38% White 35% Two or more races 22% Black 21% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 11% Cuban 13% Dominican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 1%
• Foreign-born: 18% · Canada, Vietnam, Jamaica
• Languages at home: 66% English-only · Spanish 30% Vietnamese 1% French/Haitian/Cajun 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: ▼ -200.24%
• Current HPI: 439.7084
• Rent YoY: ▲ 0.52%
• 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

+717.9% since first listed

29 events — show timeline

• 2026-04-15 Price Changed $229,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-16 Price Changed $239,999 Stellar MLS as Distributed by MLS Grid
• 2025-12-18 Listed $249,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-12 Listed for Rent $1,750 STELLARMLS
• 2025-11-23 Rental Removed $1,800 STELLARMLS
• 2025-11-21 Listed for Rent $1,800 STELLARMLS
• 2017-08-09 Sold (Public Records) $63,000 Public Records
• 2017-08-04 Sold (MLS) $63,000 Stellar MLS as Distributed by MLS Grid
• 2017-07-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-07-18 Listed $59,000 Stellar MLS as Distributed by MLS Grid
• 2014-09-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-07-29 Price Changed $40,000 Stellar MLS as Distributed by MLS Grid
• 2014-06-18 Listed $45,000 Stellar MLS as Distributed by MLS Grid
• 2012-04-13 Sold (MLS) $27,000 Stellar MLS as Distributed by MLS Grid
• 2011-05-12 Listed $29,900 Stellar MLS as Distributed by MLS Grid
• 2009-01-16 Sold (MLS) $21,000 Stellar MLS as Distributed by MLS Grid
• 2008-11-26 Listed $19,900 Stellar MLS as Distributed by MLS Grid
• 2008-11-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2008-11-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2008-09-05 Listed $65,500 Stellar MLS as Distributed by MLS Grid
• 2008-08-08 Listed $65,500 Stellar MLS as Distributed by MLS Grid
• 2008-01-22 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-01-22 Listed $136,000 Stellar MLS as Distributed by MLS Grid
• 2005-11-21 Sold (Public Records) $139,000 Public Records
• 2005-06-24 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2004-06-15 Listed $92,000 Stellar MLS as Distributed by MLS Grid
• 2004-03-17 Sold (Public Records) $98,500 Public Records
• 1985-06-01 Sold (Public Records) $28,700 Public Records
• 1983-11-01 Sold (Public Records) $28,000 Public Records

Property tax history

+15.0%/yr

Latest (2025): $2,180 · +12.9% YoY. Source: county tax records.