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2221 Euclid Cir S
D+ Composite 47.13
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 +14.4/30.0
  • ARV discount +12.8/15.0
  • DSCR +4.4/10.0
  • Schools +4.3/10.0
  • Livability +4.1/5.0
  • 1% rule +3.4/10.0
  • Condition / age +2.5/5.0
  • Rent growth +1.2/5.0
  • Appreciation +0.0/10.0

$265,000

2221 Euclid Cir S · Largo, FL 33764
3 bd · 1.0 ba · 1,160 sqft · SingleFamily public records · 77 Days on market
Built 1960 6,190 sqft lot Est $300k · 12% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

Key facts

  • Private pool
  • Central location
  • 6,190 sq ft lot

Tags

PRIVATE POOLPRIME CLEARWATER LOCATIONCENTRAL LOCATION

Property features AI

Finance

  • Other: Zoned R-4
  • Financial info: No lease restrictions; Property is homesteaded
  • HOA & community: No HOA

Exterior

  • Parking: No parking details provided
  • Security: Hurricane shutters
  • Utilities: Public water; Public sewer; Electricity available; Cable available
  • Home design: Single family residence; Residential property; Fixer condition; Single-story; Faces north; Entry level: One
  • Construction: Block construction; Shingle roof; Slab foundation; Built on a 0.14-acre lot (approx. 62 x 100)
  • Exterior features: Hurricane shutters; Exterior lighting; Outdoor storage; Private in-ground fiberglass pool; Paved road access

Interior

  • Kitchen: Dishwasher; Range; Range hood; Refrigerator
  • Bedrooms: 3 bedrooms
  • Flooring: Carpet; Tile
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Central heating; Central air conditioning
  • Interior features: Ceiling fans; Eat-in kitchen; Stone counters
  • Laundry & utility: Dedicated laundry room

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $265k.

Deal economics

  • At list price, monthly cash flow is $53 ($639/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $223k (15.8% below list).
  • Recommended offer: $223k (15.8% below list) — sets the bar for 1% rule.
  • Cap rate 6.5% vs local median 4.2% in Largo — 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 82/100 on livability (#82 in FL, #1,240 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, 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.
  • Zoned schools: Frontier Elementary School (math 45% / reading 48%, grade D-, #1,223 of 2,144 statewide, top 57%, 651 students, 72% FRL); Largo High School (math 30% / reading 50%, grade F, #296 of 667 statewide, top 45%, 2,055 students, 53% FRL).
  • Market conditions: Rents falling (-5.2%/yr); 261 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 40% of the median local income ($67k/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 $8k 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 77 days — a 6% lower offer ($249k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 10y 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 $188k; 41% 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 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $223,103 (15.8% below list)

Questions for the listing agent

  1. It's been on market 77 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
  2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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. 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?
  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
0.84%
Cap rate
6.53%
Cash-on-cash
0.86%
DSCR
1.04
GRM
9.9

CMA / ARV

ARV (on-the-fly)
$300,440
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
15348 Bedford Cir W 0.47mi 3/2.0 1,100 (-5%) 1mo $342,000 $311 64
3566 7th Ave SE 0.70mi 3/1.5 1,155 (-0%) 1mo $327,500 $284 64
3785 Mission Ct 0.49mi 2/2.0 (-1) 1,132 (-2%) 1mo $245,000 $216 64
602 Rodeo Dr 0.52mi 2/2.0 (-1) 1,132 (-2%) 2mo $260,000 $230 61
3766 EL Camino Ct 0.62mi 2/2.0 (-1) 1,132 (-2%) 2mo $235,000 $208 56
207 Melody Ln 0.69mi 3/2.0 1,143 (-2%) 7mo $389,900 $341 56
3694 EL Camino Ct 0.64mi 2/2.0 (-1) 1,132 (-2%) 4mo $275,000 $243 54
3686 EL Camino Ct 0.65mi 2/2.0 (-1) 1,132 (-2%) 7mo $259,900 $230 51
3372 Keene Park Dr 0.53mi 2/2.5 (-1) 1,075 (-7%) 5mo $305,000 $284 48
15367 Bedford Cir E 0.56mi 3/2.0 1,020 (-12%) 4mo $365,000 $358 46
3966 EL Camino Ct 0.58mi 2/2.0 (-1) 1,036 (-11%) 6mo $225,600 $218 41
7000 Delta Way 0.61mi 3/1.0 1,331 (+15%) 7mo $345,000 $259 41

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

5-year hold
IRR
-18.1%
Equity multiple
0.38×
Total profit
$-46,128
Equity at exit
$39,512
10-year hold
IRR
-17.2%
Equity multiple
0.17×
Total profit
$-61,234
Equity at exit
$22,912

Cash invested: $74,200 (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.

ZIP-level market 33764

Rents YoY
-5.2%
Active inventory
261
Price-to-rent
9.9×

Monthly cashflow live

Estimated rent
$2,231 high interval (Pro) →
Mortgage (P&I)
$1,390
Tax from tax record
$209 /mo · $2,510/yr
Insurance
$110
HOA
$0
Vacancy / Maint / Mgmt
$469
Net cashflow
$53

Break-even live

Break-even rent $2,164
Max offer price $265,000
Occupancy floor 93%

Sensitivity live

Price -10% $203 -5% $128 +0% $53 +5% $-22 +10% $-97
Rent -10% $-123 -5% $-35 +0% $53 +5% $141 +10% $230
Rate -1.0pp $187 -0.5pp $121 base $53 +0.5pp $-15 +1.0pp $-85

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
$66,250
Closing costs
$7,950
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

AddressBedsBaths SqftRent$/sqft DOM Units Dist
2227 Rose Ln Clearwater, FL 2.0 1.5 1200 $3,200 $2.67 25d 1 0.12mi
2234 Rose Ln Clearwater, FL 2.0 2.0 1462 $2,400 $1.64 5d 1 0.15mi
4500 E Bay Dr #149 Clearwater, FL 2.0 2.0 1050 $1,850 $1.76 25d 1 0.19mi
4500 E Bay Dr #138 Clearwater, FL 2.0 2.0 1050 $1,350 $1.29 25d 1 0.19mi
301 Seacrest Dr Largo, FL 1.0–2.0 1.0–1.5 975 $1,625 $1.67 22d 1 0.46mi
3377 Sherwood Dr Unit A Largo, FL 2.0 1.0 1064 $1,650 $1.55 8d 1 0.52mi
199 Fulton St NE Unit 4 Largo, FL 2.0 1.0 760 $1,600 $2.11 15d 1 0.61mi
14875 Cromwell Dr Clearwater, FL 3.0 2.0 1485 $2,195 $1.48 17d 1 0.63mi
779 34th St SE Unit 1319966P Largo, FL 2.0 1.0 990 $2,941 $2.97 8d 1 0.70mi
3022 Meadow Lake Ave Largo, FL 2.0 1.0 900 $1,450 $1.61 5d 1 0.74mi
3022 Meadow Lake Ave Largo, FL 2.0 1.0 900 $1,450 $1.61 11d 1 0.74mi
3135 Pine Tree Ave Largo, FL 2.0 1.0 923 $1,395 $1.51 11d 1 0.75mi
3135 Pine Tree Ave Unit A Largo, FL 2.0 1.0 923 $1,395 $1.51 22d 1 0.75mi
3073 Pine Tree Ave Largo, FL 2.0 1.0 825 $1,350 $1.64 25d 1 0.78mi
636 Lake Palms Dr Unit Stylish Largo, FL 2.0 2.0 870 $2,000 $2.30 5d 1 0.91mi
636 Lake Palms Dr Unit Stylish Largo, FL 3.0 2.0 1000 $2,200 $2.20 25d 1 0.91mi
16485 US Highway 19 N Clearwater, FL 3.0 1.0–2.0 984 $3,313 $3.37 2d 249 0.96mi
16485 US Highway 19 N Clearwater, FL 3.0 1.0–2.0 984 $3,442 $3.50 18d 100 0.96mi
19137 US Highway 19 N Unit 2 Clearwater, FL 2.0 2.0 1062 $1,738 $1.64 25d 1 0.97mi
7001 142nd Ave Largo, FL 2.0 2.0 1100 $1,700 $1.55 25d 1 0.97mi
2505 E Bay Dr Lot 77 Largo, FL 2.0 1.5 1080 $1,395 $1.29 21d 1 1.06mi
2554 Oak Trl S Clearwater, FL 1.0–2.0 1.0–2.0 862 $2,131 $2.47 2d 14 1.12mi
7001 142nd Ave N Lot 179 Largo, FL 2.0 2.0 1100 $2,495 $2.27 17d 1 1.12mi
1957 Whitney Way Clearwater, FL 2.0 3.0 1494 $2,295 $1.54 4d 1 1.13mi
1601 Palm Way Largo, FL 3.0 1.0 1084 $1,950 $1.80 25d 1 1.14mi
3736 141st Pl Largo, FL 2.0 1.0 805 $1,650 $2.05 25d 1 1.14mi
7001 142nd Ave N #157 Largo, FL 2.0 1.0 800 $1,795 $2.24 18d 1 1.19mi
3331 Whispering Dr N Largo, FL 2.0 2.0 1053 $2,190 $2.08 24d 1 1.19mi
2291 E Bay Dr Largo, FL 2.0 2.0 708 $1,600 $2.26 21d 1 1.22mi
2291 E Bay Dr Largo, FL 2.0 2.0 708 $1,600 $2.26 22d 1 1.22mi
600 Starkey Rd Largo, FL 1.0–3.0 1.0–2.0 982 $2,199 $2.24 3d 21 1.22mi
9122 Jakes Path Largo, FL 3.0 2.5 1461 $2,600 $1.78 25d 1 1.23mi
2770 Roosevelt Blvd Clearwater, FL 1.0–2.0 1.0 795 $1,636 $2.06 15d 10 1.30mi
84 21st Ter SE Unit 1502691P Largo, FL 3.0 2.0 1291 $5,914 $4.58 8d 1 1.30mi
2871 S Pines Dr #24 Largo, FL 2.0 1.5 1048 $1,800 $1.72 25d 1 1.31mi
3030 Whispering Dr N Largo, FL 3.0 2.0 1348 $3,600 $2.67 25d 1 1.31mi
3767 138th Ave N Unit B Largo, FL 2.0 1.0 780 $1,495 $1.92 2d 1 1.32mi
1884 Clearbrooke Dr Clearwater, FL 2.0 2.0 997 $2,300 $2.31 25d 1 1.32mi
3718 138th Ave N Unit 2 Largo, FL 2.0 1.0 750 $1,500 $2.00 25d 1 1.35mi
2045 E Bay Dr Largo, FL 1.0–2.0 1.0–2.0 1114 $1,830 $1.64 2d 15 1.36mi

Listing history 28 events

  1. 2026-06-18
    days on market $265,000 Active 77 DOM
  2. 2026-06-17
    days on market $265,000 Active 76 DOM
  3. 2026-06-16
    days on market $265,000 Active 75 DOM
  4. 2026-06-15
    days on market $265,000 Active 74 DOM
  5. 2026-06-13
    days on market $265,000 Active 72 DOM
  6. 2026-06-09
    days on market $265,000 Active 68 DOM
  7. 2026-06-08
    days on market $265,000 Active 67 DOM
  8. 2026-06-07
    days on market $265,000 Active 66 DOM
  9. 2026-06-04
    days on market $265,000 Active 63 DOM
  10. 2026-06-03
    days on market $265,000 Active 62 DOM
  11. 2026-06-01
    days on market $265,000 Active 60 DOM
  12. 2026-05-31
    days on market $265,000 Active 59 DOM
  13. 2026-05-14
    status Pending
  14. 2026-04-27
    price $269,000
  15. 2026-03-19
    listed $275,000 Active
  16. 2018-04-06
    soldstatus $188,000
  17. 2018-03-29
    soldstatus $188,000 Sold 579-char remark
    Show marketing remark (579 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

  18. 2018-03-24
    status Pending 579-char remark
    Show marketing remark (579 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

  19. 2018-03-23
    status Pending 579-char remark
    Show marketing remark (579 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

  20. 2018-03-23
    status Pending 579-char remark
    Show marketing remark (579 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

  21. 2018-03-23
    status Pending 579-char remark
    Show marketing remark (579 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

  22. 2018-02-02
    status Pending 579-char remark
    Show marketing remark (579 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

  23. 2018-01-18
    price $184,900 579-char remark
    Show marketing remark (579 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

  24. 2017-12-15
    listed $190,000 Active 579-char remark
    Show marketing remark (579 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. This split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required. A must see home!!!

  25. 2017-01-12
    soldstatus $150,000 Sold 608-char remark
    Show marketing remark (608 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. Offered for sale for the first time since 1977, this split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required.

  26. 2017-01-12
    soldstatus $150,000
    Show marketing remark (608 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. Offered for sale for the first time since 1977, this split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required.

  27. 2016-12-08
    status Pending 608-char remark
    Show marketing remark (608 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. Offered for sale for the first time since 1977, this split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required.

  28. 2016-12-05
    listed $150,000 Active 608-char remark
    Show marketing remark (608 chars)

    Well-maintained and cared for 3 bedroom, 1 bathroom pool home close to shops, banks, restaurants, and transportation. Offered for sale for the first time since 1977, this split bedroom plan home has separate living and family areas and a beautiful kitchen with granite counter tops, stainless steel appliances and an eating area. The home has a fenced-in rear garden with a pool, large utility shed, and a covered bar area. The home also benefits from a large laundry room, a small bonus/office area and an oversized double parking pad. A great home in a convenient location with no flood insurance required.

ⓘ 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
$2,510 · $209/mo
Projected year-2 tax
$2,510 · $209/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 3/10 Moderate FEMA zone X (unshaded) · 12% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 27 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 · 3 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
$26,772
− Mortgage interest
−$14,844
− Property taxes
−$2,510
− Insurance
−$1,325
− Repairs & maintenance
−$2,142
− Management
−$2,142
− Depreciation
−$7,709
Taxable loss
−$3,899
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$936
After-tax cash flow
$1,575/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 — Largo

Score
82/100
State rank
#82
US rank
#1240

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Pinellas County · 939,478 people
City population
106,311
Metro
Tampa-St. Petersburg-Clearwater, FL
Population (ZIP)
27,311
Household income
$67,256
Rent vs Own
34.0% rent · 66.0% own
Severe rent burden
1118.0

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 (76%)
Race & ethnicity
White 76% Hispanic / Latino 13% Two or more races 8% Asian 4% Black 2%
Hispanic origin (detail)
Mexican 2% Puerto Rican 3% Cuban 2%
Common ancestry
Romanian 4% Lithuanian 3% German 2%
Foreign-born
14% · Canada, Jamaica, Vietnam
Languages at home
80% English-only · Spanish 10% Russian/Polish/Slavic 4% 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
▼ -350.08%
Current HPI
315.4133
Rent YoY
▼ -5.24%
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

Price history

+79.3% since first listed
16 events — show timeline
  • 2026-05-14 Pending Stellar MLS as Distributed by MLS Grid
  • 2026-04-27 Price Changed $269,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-19 Listed $275,000 Stellar MLS as Distributed by MLS Grid
  • 2018-04-06 Sold (Public Records) $188,000 Public Records
  • 2018-03-29 Sold (MLS) $188,000 Stellar MLS as Distributed by MLS Grid
  • 2018-03-24 Pending Stellar MLS as Distributed by MLS Grid
  • 2018-03-23 Pending Stellar MLS as Distributed by MLS Grid
  • 2018-03-23 Pending Stellar MLS as Distributed by MLS Grid
  • 2018-03-23 Pending Stellar MLS as Distributed by MLS Grid
  • 2018-02-02 Pending Stellar MLS as Distributed by MLS Grid
  • 2018-01-18 Price Changed $184,900 Stellar MLS as Distributed by MLS Grid
  • 2017-12-15 Listed $190,000 Stellar MLS as Distributed by MLS Grid
  • 2017-01-12 Sold (Public Records) $150,000 Public Records
  • 2017-01-12 Sold (MLS) $150,000 Stellar MLS as Distributed by MLS Grid
  • 2016-12-08 Pending Stellar MLS as Distributed by MLS Grid
  • 2016-12-05 Listed $150,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+4.3%/yr

Latest (2025): $2,510 · +5.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…