172 Hickory Gate Dr · Palm Harbor, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 6 days/yr
- Hot days in 30 yrs
- 22 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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 +29.1/30.0
- ARV discount +14.1/15.0
- DSCR +10.0/10.0
- 1% rule +9.2/10.0
- Schools +4.3/10.0
- Livability +4.0/5.0
- Condition / age +2.5/5.0
- Rent growth +1.2/5.0
- Appreciation +0.0/10.0
$145,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Beautiful 2 bedroom, 2 bath manufactured double wide mobile home located in the highly desirable Blue Jay Mobile Home Estates in Palm Harbor. A 55+ age community where you own your own lot with very low Condo fees of $161. per month which includes the beautiful Clubhouse, Community heated pool, water sewer & trash, ground maintenance & much more. Spacious open floor plan which also includes a 10x12 enclosed Florida room. A large totally enclosed screened porch & a utility room with AC on the covered carport. There is a insulated roof over, double insulated windows throughout then home. Recent upgrades includes new flooring, new appliances, new window coverings, new vanities in bathrooms. A designated area for parking you Boat or RV at no additional fee. Near everything. Much more!
Key facts
- Move-in ready
- Enclosed side porch
- Own your land
Tags
Property features AI
Finance
- Other: Partially furnished; Living area reported as 1,012 sq ft; building area total reported as 1,890 sq ft; Lot listed as 0 to less than 1/4 acre
- Financial info: Lease restrictions apply
- HOA & community: Has HOA (Resource Property Management); Monthly association fee $230; Association amenities include clubhouse, pool, shuffleboard court, private road, and common area maintenance; Buyer/association approval required; Senior community; Pets allowed (cats OK, number and size limits; max pet weight 15 lbs); Deed restrictions, street lights, sidewalks, golf carts allowed; Association fee covers pool, water, sewer, trash, common area taxes, escrow reserves, private road
Exterior
- Parking: Carport with 2 spaces
- Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Fire hydrant nearby; Sprinkler well
- Home design: Manufactured home (double wide); One story; Faces north; Completed condition
- Construction: Vinyl siding; Metal roof; Crawlspace foundation; Built on a 50x75 lot (approximately 0.09 acres)
- Exterior features: Sidewalk; Shed(s); Irrigation equipment; Private, paved lot in county with sidewalks
Interior
- Kitchen: Dishwasher; Range; Refrigerator
- Bedrooms: 2 bedrooms
- Flooring: Vinyl
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating; Central air
- Interior features: Ceiling fans; Walk-in closet(s); Window treatments
- Laundry & utility: Washer; Dryer; Laundry features: Other
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath manufactured listed at $145k.
Deal economics
- At list price, monthly cash flow is $500 ($6k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $145k).
- Recommended offer: $141k (3.0% below list) — sets the bar for market timing.
- Cap rate 10.4% vs local median 3.1% in Palm Harbor — 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 (#95 in FL, #1,470 nationally) — a professional / high-income tenant draw. Strengths: schools A+, housing A+, commute 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.
- Market conditions: Rents falling (-5.2%/yr); 378 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
- This rent runs 34% of the median local income ($72k/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 $1k of loan paydown is wiped out by about $4k 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 ($141k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 9y 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 $102k; 42% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 31 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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.
- 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.
- 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
- 1.42% ✓
- Cap rate
- 10.43%
- Cash-on-cash
- 14.77%
- DSCR
- 1.66
- GRM
- 5.9
CMA / ARV
- ARV (on-the-fly)
- $170,016
- Comps found
- 6
Show comp detail 6 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 159 Hickory Gate Dr | 0.06mi | 2/2.0 | 984 (-3%) | 2mo | $106,000 | $108 | 91 |
| 177 Hickory Gate Dr | 0.05mi | 2/2.0 | 974 (-4%) | 8mo | $129,000 | $132 | 85 |
| 105 Pinebark Dr | 0.09mi | 2/2.0 | 1,116 (+10%) | 2mo | $188,000 | $168 | 77 |
| 61 Tanglewood Dr | 0.09mi | 2/2.0 | 864 (-15%) | 2mo | $169,000 | $196 | 70 |
| 90 Red Oak Dr | 0.11mi | 2/2.0 | 864 (-15%) | 6mo | $105,000 | $122 | 65 |
| 70 Tanglewood Dr | 0.06mi | 2/2.0 | 864 (-15%) | 18mo | $185,000 | $214 | 58 |
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
- IRR
- 1.6%
- Equity multiple
- 1.06×
- Total profit
- $2,399
- Equity at exit
- $21,620
- IRR
- 7.7%
- Equity multiple
- 1.50×
- Total profit
- $20,170
- Equity at exit
- $12,537
Cash invested: $40,600 (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
ZIP-level market 34684
- Rents YoY
- -5.2%
- Active inventory
- 378
- Price-to-rent
- 5.9×
Monthly cashflow live
- Estimated rent
- $2,061 high interval (Pro) →
- Mortgage (P&I)
- −$760
- Tax from tax record
- −$78 /mo · $934/yr
- Insurance
- −$60
- HOA
- −$230
- Vacancy / Maint / Mgmt
- −$433
- Net cashflow
- $500
Break-even live
Sensitivity live
| Price | -10% $582 | -5% $541 | +0% $500 | +5% $459 | +10% $418 |
|---|---|---|---|---|---|
| Rent | -10% $337 | -5% $418 | +0% $500 | +5% $581 | +10% $663 |
| Rate | -1.0pp $573 | -0.5pp $537 | base $500 | +0.5pp $462 | +1.0pp $424 |
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
- $36,250
- Closing costs
- $4,350
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 3610 Sammy Ct Palm Harbor, FL | 2.0 | 1.0 | 797 | $2,000 | $2.51 | 5d | 1 | 0.22mi |
| 762 Barbara St Palm Harbor, FL | 2.0 | 2.0 | 1146 | $2,200 | $1.92 | 25d | 1 | 0.25mi |
| 2843 Thaxton Dr #38 Palm Harbor, FL | 2.0 | 2.5 | 1406 | $2,000 | $1.42 | 5d | 1 | 0.27mi |
| 2843 Thaxton Dr #38 Palm Harbor, FL | 2.0 | 2.5 | 1406 | $2,100 | $1.49 | 25d | 1 | 0.27mi |
| 3583 Whispering Oaks Ln Palm Harbor, FL | 2.0 | 2.5 | 1124 | $1,800 | $1.60 | 25d | 1 | 0.31mi |
| 2879 Thaxton Dr #55 Palm Harbor, FL | 2.0 | 2.5 | 1396 | $2,200 | $1.58 | 5d | 1 | 0.33mi |
| 2897 Thaxton Dr #65 Palm Harbor, FL | 2.0 | 2.5 | 1390 | $2,280 | $1.64 | 5d | 1 | 0.35mi |
| 3590 Magnolia Ridge Cir Unit G Palm Harbor, FL | 2.0 | 2.0 | 1090 | $1,695 | $1.56 | 25d | 1 | 0.37mi |
| 3460 Countryside Blvd #60 Clearwater, FL | 2.0 | 2.5 | 1349 | $2,500 | $1.85 | 9d | 1 | 0.37mi |
| 2682 Rachel Ct Palm Harbor, FL | 1.0 | 1.0 | 700 | $1,400 | $2.00 | 4d | 1 | 0.45mi |
| 3726 Albion Ct Palm Harbor, FL | 3.0 | 2.0 | 1060 | $2,350 | $2.22 | 15d | 1 | 0.47mi |
| 3726 Albion Ct Palm Harbor, FL | 3.0 | 2.0 | 1060 | $2,350 | $2.22 | 15d | 1 | 0.47mi |
| 3455 Countryside Blvd #4 Clearwater, FL | 3.0 | 2.0 | 995 | $2,050 | $2.06 | 5d | 1 | 0.47mi |
| 2678 Markham Ct Palm Harbor, FL | 2.0 | 2.0 | 923 | $1,999 | $2.17 | 25d | 1 | 0.48mi |
| 692 Bellingham Pl Palm Harbor, FL | 3.0 | 2.0 | 1320 | $2,800 | $2.12 | 5d | 1 | 0.53mi |
| 3751 Mackenzie Ct Palm Harbor, FL | 3.0 | 2.0 | 1160 | $2,650 | $2.28 | 3d | 1 | 0.53mi |
| 650 Bellingham Pl Palm Harbor, FL | 3.0 | 2.0 | 1320 | $3,200 | $2.42 | 5d | 1 | 0.58mi |
| 3781 Lake Shore Dr Palm Harbor, FL | 3.0 | 2.0 | 1055 | $2,500 | $2.37 | 25d | 1 | 0.58mi |
| 2764 Kavalier Dr Palm Harbor, FL | 3.0 | 2.0 | 1088 | $2,300 | $2.11 | 16d | 1 | 0.69mi |
| 2764 Kavalier Dr Palm Harbor, FL | 3.0 | 2.0 | 1088 | $2,300 | $2.11 | 19d | 1 | 0.69mi |
| 2764 Kavalier Dr Palm Harbor, FL | 3.0 | 2.0 | 1088 | $2,300 | $2.11 | 25d | 1 | 0.69mi |
| 2803 Northcote Dr Palm Harbor, FL | 3.0 | 2.0 | 1050 | $2,300 | $2.19 | 23d | 1 | 0.78mi |
| 3001 Landmark Blvd #101 Palm Harbor, FL | 2.0 | 2.0 | 1353 | $1,950 | $1.44 | 25d | 1 | 0.78mi |
| 3028 Bonaventure Cir #103 Palm Harbor, FL | 2.0 | 2.0 | 900 | $1,500 | $1.67 | 25d | 1 | 0.79mi |
| 2998 Bonaventure Cir #104 Palm Harbor, FL | 2.0 | 2.0 | 900 | $1,828 | $2.03 | 5d | 1 | 0.92mi |
| 3975 Country Place Ln Palm Harbor, FL | 1.0–2.0 | 1.0–2.0 | 788 | $1,637 | $2.08 | 3d | 16 | 0.93mi |
| 220 Calibre Downs Ln Palm Harbor, FL | 1.0–2.0 | 1.0–2.5 | 1052 | $2,299 | $2.19 | 25d | 13 | 0.94mi |
| 2705 5th Ct Palm Harbor, FL | 2.0 | 2.5 | 1344 | $2,200 | $1.64 | 5d | 1 | 0.99mi |
| 2607 6th Ct Unit 1 Palm Harbor, FL | 2.0 | 2.5 | 1344 | $1,795 | $1.34 | 25d | 1 | 1.05mi |
| 2712 14th Ct Palm Harbor, FL | 2.0 | 2.5 | 1344 | $2,050 | $1.53 | 25d | 1 | 1.08mi |
| 373 Majesty Dr Unit 373 Clearwater, FL | 2.0 | 2.0 | 1200 | $1,600 | $1.33 | 25d | 1 | 1.10mi |
| 2605 10th Ct Palm Harbor, FL | 2.0 | 2.5 | 1344 | $1,950 | $1.45 | 25d | 1 | 1.12mi |
| 4000 Poinciana Ct Palm Harbor, FL | 3.0 | 2.0 | 1298 | $2,600 | $2.00 | 4d | 1 | 1.17mi |
| 414 Meadow Ln Oldsmar, FL | 1.0 | 1.0 | 700 | $1,450 | $2.07 | 25d | 1 | 1.23mi |
| 211 Countryside Key Blvd Oldsmar, FL | 2.0 | 2.5 | 1280 | $1,899 | $1.48 | 25d | 1 | 1.25mi |
| 114 Meadow Ln #114 Oldsmar, FL | 2.0 | 2.0 | 879 | $1,700 | $1.93 | 25d | 1 | 1.27mi |
| 107 Windward Pl Unit 107 Oldsmar, FL | 2.0 | 2.0 | 879 | $2,000 | $2.28 | 19d | 1 | 1.29mi |
| 225 Tarpon Ln Oldsmar, FL | 2.0 | 2.0 | 1120 | $2,400 | $2.14 | 5d | 1 | 1.30mi |
| 161 Lakeside Dr Oldsmar, FL | 2.0 | 2.0 | 1094 | $2,000 | $1.83 | 19d | 1 | 1.33mi |
| 31790 US Highway 19 N Palm Harbor, FL | 1.0–2.0 | 1.0–2.0 | 842 | $2,066 | $2.45 | 13d | 16 | 1.34mi |
HOA detail
- Monthly dues
- $230 · $2,760/yr
- Likely covers
- watersewertrashpool
Listing history 16 events
-
2026-06-07statusdays on market $145,000 Pending 31 DOM
-
2026-06-04days on market $145,000 Active 29 DOM
-
2026-06-03days on market $145,000 Active 28 DOM
-
2026-06-01days on market $145,000 Active 26 DOM
-
2026-05-31days on market $145,000 Active 25 DOM
-
2026-05-06$145,000 Active
-
2018-09-17soldstatus $102,000 Sold 809-char remark
Show marketing remark (809 chars)
Beautiful 2 bedroom, 2 bath manufactured double wide mobile home located in the highly desirable Blue Jay Mobile Home Estates in Palm Harbor. A 55+ age community where you own your own lot with very low Condo fees of $161. per month which includes the beautiful Clubhouse, Community heated pool, water sewer & trash, ground maintenance & much more. Spacious open floor plan which also includes a 10x12 enclosed Florida room. A large totally enclosed screened porch & a utility room with AC on the covered carport. There is a insulated roof over, double insulated windows throughout then home. Recent upgrades includes new flooring, new appliances, new window coverings, new vanities in bathrooms. A designated area for parking you Boat or RV at no additional fee. Near everything. Much more!
-
2018-08-17status Pending 809-char remark
Show marketing remark (809 chars)
Beautiful 2 bedroom, 2 bath manufactured double wide mobile home located in the highly desirable Blue Jay Mobile Home Estates in Palm Harbor. A 55+ age community where you own your own lot with very low Condo fees of $161. per month which includes the beautiful Clubhouse, Community heated pool, water sewer & trash, ground maintenance & much more. Spacious open floor plan which also includes a 10x12 enclosed Florida room. A large totally enclosed screened porch & a utility room with AC on the covered carport. There is a insulated roof over, double insulated windows throughout then home. Recent upgrades includes new flooring, new appliances, new window coverings, new vanities in bathrooms. A designated area for parking you Boat or RV at no additional fee. Near everything. Much more!
-
2018-05-01$104,900 Active 809-char remark
Show marketing remark (809 chars)
Beautiful 2 bedroom, 2 bath manufactured double wide mobile home located in the highly desirable Blue Jay Mobile Home Estates in Palm Harbor. A 55+ age community where you own your own lot with very low Condo fees of $161. per month which includes the beautiful Clubhouse, Community heated pool, water sewer & trash, ground maintenance & much more. Spacious open floor plan which also includes a 10x12 enclosed Florida room. A large totally enclosed screened porch & a utility room with AC on the covered carport. There is a insulated roof over, double insulated windows throughout then home. Recent upgrades includes new flooring, new appliances, new window coverings, new vanities in bathrooms. A designated area for parking you Boat or RV at no additional fee. Near everything. Much more!
-
2017-06-30soldstatus $89,500 Sold 846-char remark
Show marketing remark (846 chars)
Well insulated roof over all living area in this double wide mobile home in desirable 55+ community in Palm Harbor. Additional sq. footage with the completely enclosed Florida room in front . Thermal pane windows are in both heated area and enclosed porches. Blue Jay has an active social club with many planned activities, shuffleboard, Bocce courts, heated pool and beautiful clubhouse overlooking a tranquil pond. Additional space for an RV or boat is available in the RV lot with no additional fee. Space assigned as available. One indoor cat is allowed throughout the community, but a small dog is only allowed in the pet area, not included with this listing. This home is located convenient to both recreation, yet in quiet area of park. Convenient to routes to beaches, airports, shops and medical centers. Priced to sell at market value.
-
2017-06-23status Pending 846-char remark
Show marketing remark (846 chars)
Well insulated roof over all living area in this double wide mobile home in desirable 55+ community in Palm Harbor. Additional sq. footage with the completely enclosed Florida room in front . Thermal pane windows are in both heated area and enclosed porches. Blue Jay has an active social club with many planned activities, shuffleboard, Bocce courts, heated pool and beautiful clubhouse overlooking a tranquil pond. Additional space for an RV or boat is available in the RV lot with no additional fee. Space assigned as available. One indoor cat is allowed throughout the community, but a small dog is only allowed in the pet area, not included with this listing. This home is located convenient to both recreation, yet in quiet area of park. Convenient to routes to beaches, airports, shops and medical centers. Priced to sell at market value.
-
2017-06-13status Active 846-char remark
Show marketing remark (846 chars)
Well insulated roof over all living area in this double wide mobile home in desirable 55+ community in Palm Harbor. Additional sq. footage with the completely enclosed Florida room in front . Thermal pane windows are in both heated area and enclosed porches. Blue Jay has an active social club with many planned activities, shuffleboard, Bocce courts, heated pool and beautiful clubhouse overlooking a tranquil pond. Additional space for an RV or boat is available in the RV lot with no additional fee. Space assigned as available. One indoor cat is allowed throughout the community, but a small dog is only allowed in the pet area, not included with this listing. This home is located convenient to both recreation, yet in quiet area of park. Convenient to routes to beaches, airports, shops and medical centers. Priced to sell at market value.
-
2017-05-30status Pending 846-char remark
Show marketing remark (846 chars)
Well insulated roof over all living area in this double wide mobile home in desirable 55+ community in Palm Harbor. Additional sq. footage with the completely enclosed Florida room in front . Thermal pane windows are in both heated area and enclosed porches. Blue Jay has an active social club with many planned activities, shuffleboard, Bocce courts, heated pool and beautiful clubhouse overlooking a tranquil pond. Additional space for an RV or boat is available in the RV lot with no additional fee. Space assigned as available. One indoor cat is allowed throughout the community, but a small dog is only allowed in the pet area, not included with this listing. This home is located convenient to both recreation, yet in quiet area of park. Convenient to routes to beaches, airports, shops and medical centers. Priced to sell at market value.
-
2017-05-25$92,000 Active 846-char remark
Show marketing remark (846 chars)
Well insulated roof over all living area in this double wide mobile home in desirable 55+ community in Palm Harbor. Additional sq. footage with the completely enclosed Florida room in front . Thermal pane windows are in both heated area and enclosed porches. Blue Jay has an active social club with many planned activities, shuffleboard, Bocce courts, heated pool and beautiful clubhouse overlooking a tranquil pond. Additional space for an RV or boat is available in the RV lot with no additional fee. Space assigned as available. One indoor cat is allowed throughout the community, but a small dog is only allowed in the pet area, not included with this listing. This home is located convenient to both recreation, yet in quiet area of park. Convenient to routes to beaches, airports, shops and medical centers. Priced to sell at market value.
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2001-10-15soldstatus $47,000
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1996-11-04soldstatus $43,900
ⓘ 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
- $934 · $78/mo
- Projected year-2 tax
- $1,204 · $100/mo
- Expected delta
- +$270/yr (+$22/mo · 28.9%)
ⓘ 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 6 d/yr ≥107°F today · 22 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $24,734
- − Mortgage interest
- −$8,122
- − Property taxes
- −$934
- − Insurance
- −$725
- − Repairs & maintenance
- −$1,979
- − Management
- −$1,979
- − HOA
- −$2,760
- − Depreciation
- −$4,218
- Taxable income
- $4,018
- Est. tax owed @ 24.0%
- −$964
- After-tax cash flow
- $5,032/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 — Palm Harbor
- Score
- 81/100
- State rank
- #95
- US rank
- #1470
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Palm Harbor, FL
- County
- Pinellas County · 939,478 people
- City population
- 79,072
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 27,029
- Household income
- $72,145
- Rent vs Own
- Severe rent burden
- 1495.0
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 (81%)
- Race & ethnicity
- White 81% Hispanic / Latino 10% Two or more races 8% Asian 4% Black 3%
- Hispanic origin (detail)
- Puerto Rican 2% Cuban 2%
- Common ancestry
- Lithuanian 5% Romanian 5% Scotch-Irish 3%
- Foreign-born
- 13% · Canada, Jamaica, China
- Languages at home
- 84% English-only · Spanish 6% Russian/Polish/Slavic 3% Other Indo-European 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
- ▼ -296.23%
- Current HPI
- 301.651
- Rent YoY
- ▼ -5.17%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+230.3% since first listed11 events — show timeline
- 2026-05-06 Listed $145,000 Stellar MLS as Distributed by MLS Grid
- 2018-09-17 Sold (MLS) $102,000 Stellar MLS as Distributed by MLS Grid
- 2018-08-17 Pending — Stellar MLS as Distributed by MLS Grid
- 2018-05-01 Listed $104,900 Stellar MLS as Distributed by MLS Grid
- 2017-06-30 Sold (MLS) $89,500 Stellar MLS as Distributed by MLS Grid
- 2017-06-23 Pending — Stellar MLS as Distributed by MLS Grid
- 2017-06-13 Relisted — Stellar MLS as Distributed by MLS Grid
- 2017-05-30 Pending — Stellar MLS as Distributed by MLS Grid
- 2017-05-25 Listed $92,000 Stellar MLS as Distributed by MLS Grid
- 2001-10-15 Sold (Public Records) $47,000 Public Records
- 1996-11-04 Sold (Public Records) $43,900 Public Records
Property tax history
-1.2%/yrLatest (2025): $934 · +8.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…