72 Pindo Palm St W · Largo, 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 108°F)
- 6 days/yr
- Hot days in 30 yrs
- 18 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
- 3 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C 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 +19.0/30.0
- 1% rule +10.0/10.0
- ARV discount +7.5/15.0
- DSCR +6.0/10.0
- Schools +4.3/10.0
- Livability +4.1/5.0
- Condition / age +2.5/5.0
- Rent growth +1.6/5.0
- Appreciation +0.0/10.0
$119,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Lovely 2 bedroom, 2 bath, Doublewide, with Screen Sun Room, located in the pet section, is just waiting for you to enjoy! Fully furnished, with newer windows, vapor barrier insulation, and laminate floors! Wonderful new guest bathroom, walk in closet, and lots of storage/extras! Washer/Dryer is also included! Hurry to see this resort inspired Florida Home, in this super popular golf & tennis, 55+, , 5 Star Resident Owned Community! Always fun activities to enjoy! See Palm Hill's beautiful website. Close to shopping, VA Hospital, beaches, Pinellas Bike Trail, airports, restaurants, and all you would want! Price includes the share! $396 per mo. fee! Cash only purchase. Available 4/12/22.
Key facts
- Hot tubs
- Tennis courts
- Three pools
Tags
Property features AI
Finance
- Other: Furnished; Total annual HOA fees listed as $6,648
- HOA & community: Has HOA; monthly fee required ($554); Association includes cable TV, pool, internet, grounds maintenance, management, sewer, trash, water, recreational facilities and escrow reserves; Association amenities: clubhouse, golf course, pickleball courts, pool, recreation facilities, shuffleboard, spa/hot tub, tennis courts; Buyer approval required; Senior community; Pets allowed (max 20 lbs)
Exterior
- Parking: Has carport (1 space)
- Utilities: Public water; Public sewer; Cable available and connected; Internet (BB/HS) available; Electricity available and connected; Sewer and water available and connected
- Home design: Manufactured double-wide home; One story; Faces east
- Construction: Metal siding; Roof over; Crawlspace foundation
- Exterior features: Patio (screened); Private mailbox; Sidewalk; Landscaped yard; Paved surfaces
Interior
- Kitchen: Range; Range hood; Microwave; Refrigerator; Electric water heater
- Bedrooms: 2 bedrooms
- Flooring: Laminate; Vinyl
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating; Central air
- Interior features: Ceiling fans; Living room/dining room combo; Thermostat; Walk-in closet(s); Window treatments; Double-pane windows
- Laundry & utility: Washer; Dryer; Laundry: Other
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath manufactured listed at $120k.
Deal economics
- At list price, monthly cash flow is $126 ($2k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $120k).
- Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
- Cap rate 7.6% vs local median 4.3% 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: Southern Oak Elementary School (math 63% / reading 49%, grade C+, #832 of 2,144 statewide, top 40%, 556 students, 61% FRL); Largo Middle School (math 38% / reading 35%, grade F, #405 of 571 statewide, top 72%, 882 students, 66% 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 (-3.5%/yr); 219 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
- This rent runs 38% of the median local income ($60k/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 $829 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 159 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 4y 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.
Risks & watch-outs
- Watch-outs: HOA is 29% of rent.
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→18/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 159 days. Have you received any prior offers? Is the seller open to a 12% 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?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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
- 1.57% ✓
- Cap rate
- 7.55%
- Cash-on-cash
- 4.50%
- DSCR
- 1.20
- GRM
- 5.3
CMA / ARV
- ARV (on-the-fly)
- $67,624
- Comps found
- 11
Show comp detail 11 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 19 Pindo Palm St W | 0.19mi | 2/1.5 | 912 (+6%) | 1mo | $40,000 | $44 | 77 |
| 13 Frangipani Cir | 0.31mi | 2/2.0 | 864 (+1%) | 11mo | $75,000 | $87 | 75 |
| 38 Pindo Palm St E | 0.24mi | 2/2.0 | 864 (+1%) | 19mo | $135,000 | $156 | 72 |
| 71 Royal Palm Cir | 0.43mi | 2/2.0 | 912 (+6%) | 0mo | $72,000 | $79 | 69 |
| 79 Thatch Palm St W | 0.20mi | 2/2.0 | 944 (+10%) | 12mo | $65,000 | $69 | 64 |
| 21 Frangipani Cir | 0.35mi | 2/2.0 | 785 (-8%) | 9mo | $49,000 | $62 | 62 |
| 574 Queen Palm St | 0.48mi | 2/2.0 | 948 (+11%) | 2mo | $109,500 | $116 | 59 |
| 309 Sago Palm St | 0.49mi | 2/2.0 | 952 (+11%) | 6mo | $65,000 | $68 | 53 |
| 724 Sugar Palm St | 0.51mi | 2/2.0 | 948 (+11%) | 9mo | $47,500 | $50 | 51 |
| 624 Queen Palm St | 0.49mi | 2/2.0 | 945 (+10%) | 12mo | $150,000 | $159 | 50 |
| 266 Sago Palm St | 0.44mi | 2/2.0 | 952 (+11%) | 19mo | $77,000 | $81 | 45 |
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
- -14.4%
- Equity multiple
- 0.51×
- Total profit
- $-16,573
- Equity at exit
- $17,877
- IRR
- -16.4%
- Equity multiple
- 0.29×
- Total profit
- $-23,998
- Equity at exit
- $10,367
Cash invested: $33,572 (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 33770
- Rents YoY
- -3.5%
- Active inventory
- 219
- Price-to-rent
- 5.3×
Monthly cashflow live
- Estimated rent
- $1,885 high interval (Pro) →
- Mortgage (P&I)
- −$629
- Tax from tax record
- −$130 /mo · $1,563/yr
- Insurance
- −$50
- HOA
- −$554
- Vacancy / Maint / Mgmt
- −$396
- Net cashflow
- $126
Break-even live
Sensitivity live
| Price | -10% $194 | -5% $160 | +0% $126 | +5% $92 | +10% $58 |
|---|---|---|---|---|---|
| Rent | -10% $-23 | -5% $52 | +0% $126 | +5% $200 | +10% $275 |
| Rate | -1.0pp $186 | -0.5pp $156 | base $126 | +0.5pp $95 | +1.0pp $63 |
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
- $29,975
- Closing costs
- $3,597
- 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 |
|---|---|---|---|---|---|---|---|---|
| 908 N Palm Dr Largo, FL | 3.0 | 2.0 | 1078 | $2,305 | $2.14 | 0d | 1 | 0.19mi |
| 910 9th Ave SW Largo, FL | 3.0 | 2.0 | 1120 | $2,100 | $1.88 | 5d | 1 | 0.28mi |
| 775 Royal Palm Cir Largo, FL | 2.0 | 2.0 | 1008 | $1,700 | $1.69 | 5d | 1 | 0.51mi |
| 253 Sago Palm St Largo, FL | 2.0 | 2.0 | 1000 | $1,295 | $1.29 | 26d | 1 | 0.51mi |
| 911 Washington Ave #212 Largo, FL | 2.0 | 2.0 | 885 | $1,675 | $1.89 | 6d | 1 | 0.59mi |
| 2131 Ridge Rd S #105 Largo, FL | 2.0 | 1.5 | 1035 | $1,850 | $1.79 | 26d | 1 | 0.60mi |
| 157 2nd Ave SW Unit A Largo, FL | 2.0 | 1.0 | 678 | $1,600 | $2.36 | 26d | 1 | 0.66mi |
| 1201 Seminole Blvd Largo, FL | 1.0–3.0 | 1.0–2.0 | 1067 | $1,870 | $1.75 | 3d | 1 | 0.67mi |
| 2098 Seminole Blvd Largo, FL | 1.0–3.0 | 1.0–2.0 | 1018 | $2,395 | $2.35 | 4d | 23 | 0.70mi |
| 13250 Ridge Rd Largo, FL | 2.0–3.0 | 2.0 | 1167 | $1,975 | $1.69 | 0d | 2 | 0.84mi |
| 13333 Ridge Rd Largo, FL | 1.0–2.0 | 1.0–1.5 | 860 | $1,765 | $2.05 | 9d | 1 | 0.84mi |
| 1448 Oak St Largo, FL | 2.0 | 2.0 | 1070 | $2,300 | $2.15 | 5d | 1 | 0.85mi |
| 264 Ridge Rd N Largo, FL | 3.0 | 1.5 | 981 | $2,400 | $2.45 | 26d | 1 | 0.90mi |
| 417 Woodrow Ave Largo, FL | 1.0 | 1.0 | 650 | $1,175 | $1.81 | 19d | 1 | 0.90mi |
| 1320 1st Ave NW Largo, FL | 2.0 | 1.0 | 1100 | $2,100 | $1.91 | 26d | 1 | 0.92mi |
| 1500 West Bay Dr Largo, FL | 2.0 | 1.0 | 740 | $1,595 | $2.16 | 16d | 1 | 0.94mi |
| 1665 134th Ave Largo, FL | 3.0 | 1.0 | 1075 | $875 | $0.81 | 0d | 1 | 0.95mi |
| 705 Redbud LN Largo, FL | 1.0–2.0 | 1.0–2.0 | 986 | $2,615 | $2.65 | 0d | 185 | 0.96mi |
| 605 4th Ave NW Largo, FL | 1.0–2.0 | 1.0–2.0 | 1032 | $2,350 | $2.28 | 5d | 6 | 0.98mi |
| 2272 16th Ave SW Unit C Largo, FL | 2.0 | 1.0 | 1031 | $2,600 | $2.52 | 26d | 1 | 0.99mi |
| 1825 134th Ave Largo, FL | 3.0 | 2.0 | 1005 | $2,200 | $2.19 | 26d | 1 | 1.00mi |
| 11960 133rd Ave Apt 1 Largo, FL | 3.0 | 1.0 | 936 | $2,150 | $2.30 | 0d | 1 | 1.02mi |
| 504 7th St SE Largo, FL | 2.0 | 1.0 | 888 | $2,250 | $2.53 | 0d | 1 | 1.02mi |
| 11960 133rd Ave Largo, FL | 3.0 | 1.0 | 936 | $2,150 | $2.30 | 9d | 1 | 1.02mi |
| 428 4th St NW Largo, FL | 2.0 | 1.0 | 850 | $1,900 | $2.24 | 26d | 1 | 1.06mi |
| 423 4th St NW Largo, FL | 3.0 | 1.0 | 960 | $1,500 | $1.56 | 6d | 1 | 1.06mi |
| 1741 Trotter Rd Unit A Largo, FL | 2.0 | 1.0 | 800 | $1,350 | $1.69 | 26d | 1 | 1.08mi |
| 558 Clearwater Largo Rd Unit A Largo, FL | 1.0 | 1.0 | 620 | $1,400 | $2.26 | 0d | 1 | 1.08mi |
| 556 Clearwater Largo Rd Unit 1 Largo, FL | 2.0 | 1.0 | 750 | $1,600 | $2.13 | 3d | 1 | 1.09mi |
| 13001 120th St Largo, FL | 3.0 | 1.0 | 1044 | $1,950 | $1.87 | 9d | 1 | 1.15mi |
| 2101 West Bay Dr Largo, FL | 2.0 | 1.0 | 1000 | $1,650 | $1.65 | 6d | 1 | 1.18mi |
| 2167 Dart Ave Unit 7 Largo, FL | 1.0 | 1.0 | 639 | $1,395 | $2.18 | 13d | 1 | 1.19mi |
| 2167 Dart Ave Unit 6 Largo, FL | 1.0 | 1.0 | 630 | $1,495 | $2.37 | 15d | 1 | 1.19mi |
| 1975 West Bay Dr #115 Largo, FL | 1.0 | 1.0 | 630 | $1,495 | $2.37 | 26d | 1 | 1.21mi |
| 2301 West Bay Dr Largo, FL | 1.0 | 1.0 | 600 | $1,375 | $2.29 | 26d | 1 | 1.26mi |
| 705 3rd Ave NE Largo, FL | 3.0 | 2.0 | 1113 | $2,195 | $1.97 | 0d | 1 | 1.28mi |
| 11666 126th Ter Largo, FL | 3.0 | 1.0 | 1056 | $2,183 | $2.07 | 26d | 1 | 1.30mi |
| 1517 16th Cir SE Largo, FL | 1.0 | 1.0 | 625 | $1,250 | $2.00 | 5d | 1 | 1.30mi |
| 1628 Pine St Largo, FL | 1.0 | 1.0 | 850 | $1,650 | $1.94 | 26d | 1 | 1.33mi |
| 516 5th Ave NE Largo, FL | 3.0 | 2.0 | 1057 | $2,250 | $2.13 | 25d | 1 | 1.33mi |
HOA detail
- Monthly dues
- $554 · $6,648/yr
Listing history 26 events
-
2026-06-22days on market $119,900 Active 159 DOM
-
2026-06-18days on market $119,900 Active 156 DOM
-
2026-06-17days on market $119,900 Active 155 DOM
-
2026-06-16days on market $119,900 Active 154 DOM
-
2026-06-15days on market $119,900 Active 153 DOM
-
2026-06-13days on market $119,900 Active 151 DOM
-
2026-06-09days on market $119,900 Active 147 DOM
-
2026-06-08days on market $119,900 Active 146 DOM
-
2026-06-07days on market $119,900 Active 145 DOM
-
2026-06-04days on market $119,900 Active 142 DOM
-
2026-06-03days on market $119,900 Active 141 DOM
-
2026-06-01days on market $119,900 Active 139 DOM
-
2026-05-31days on market $119,900 Active 138 DOM
-
2026-01-13$119,900 Active
-
2025-08-13historical
-
2025-03-07price $109,000
-
2025-02-15price $119,000
-
2024-11-13$129,000 Active
-
2022-04-12soldstatus $115,000 Closed 701-char remark
Show marketing remark (701 chars)
Lovely 2 bedroom, 2 bath, Doublewide, with Screen Sun Room, located in the pet section, is just waiting for you to enjoy! Fully furnished, with newer windows, vapor barrier insulation, and laminate floors! Wonderful new guest bathroom, walk in closet, and lots of storage/extras! Washer/Dryer is also included! Hurry to see this resort inspired Florida Home, in this super popular golf & tennis, 55+, , 5 Star Resident Owned Community! Always fun activities to enjoy! See Palm Hill's beautiful website. Close to shopping, VA Hospital, beaches, Pinellas Bike Trail, airports, restaurants, and all you would want! Price includes the share! $396 per mo. fee! Cash only purchase. Available 4/12/22.
-
2022-03-22status Pending 701-char remark
Show marketing remark (701 chars)
Lovely 2 bedroom, 2 bath, Doublewide, with Screen Sun Room, located in the pet section, is just waiting for you to enjoy! Fully furnished, with newer windows, vapor barrier insulation, and laminate floors! Wonderful new guest bathroom, walk in closet, and lots of storage/extras! Washer/Dryer is also included! Hurry to see this resort inspired Florida Home, in this super popular golf & tennis, 55+, , 5 Star Resident Owned Community! Always fun activities to enjoy! See Palm Hill's beautiful website. Close to shopping, VA Hospital, beaches, Pinellas Bike Trail, airports, restaurants, and all you would want! Price includes the share! $396 per mo. fee! Cash only purchase. Available 4/12/22.
-
2022-03-16status Active 701-char remark
Show marketing remark (701 chars)
Lovely 2 bedroom, 2 bath, Doublewide, with Screen Sun Room, located in the pet section, is just waiting for you to enjoy! Fully furnished, with newer windows, vapor barrier insulation, and laminate floors! Wonderful new guest bathroom, walk in closet, and lots of storage/extras! Washer/Dryer is also included! Hurry to see this resort inspired Florida Home, in this super popular golf & tennis, 55+, , 5 Star Resident Owned Community! Always fun activities to enjoy! See Palm Hill's beautiful website. Close to shopping, VA Hospital, beaches, Pinellas Bike Trail, airports, restaurants, and all you would want! Price includes the share! $396 per mo. fee! Cash only purchase. Available 4/12/22.
-
2022-03-15status Pending 701-char remark
Show marketing remark (701 chars)
Lovely 2 bedroom, 2 bath, Doublewide, with Screen Sun Room, located in the pet section, is just waiting for you to enjoy! Fully furnished, with newer windows, vapor barrier insulation, and laminate floors! Wonderful new guest bathroom, walk in closet, and lots of storage/extras! Washer/Dryer is also included! Hurry to see this resort inspired Florida Home, in this super popular golf & tennis, 55+, , 5 Star Resident Owned Community! Always fun activities to enjoy! See Palm Hill's beautiful website. Close to shopping, VA Hospital, beaches, Pinellas Bike Trail, airports, restaurants, and all you would want! Price includes the share! $396 per mo. fee! Cash only purchase. Available 4/12/22.
-
2022-02-18price $129,900 701-char remark
Show marketing remark (701 chars)
Lovely 2 bedroom, 2 bath, Doublewide, with Screen Sun Room, located in the pet section, is just waiting for you to enjoy! Fully furnished, with newer windows, vapor barrier insulation, and laminate floors! Wonderful new guest bathroom, walk in closet, and lots of storage/extras! Washer/Dryer is also included! Hurry to see this resort inspired Florida Home, in this super popular golf & tennis, 55+, , 5 Star Resident Owned Community! Always fun activities to enjoy! See Palm Hill's beautiful website. Close to shopping, VA Hospital, beaches, Pinellas Bike Trail, airports, restaurants, and all you would want! Price includes the share! $396 per mo. fee! Cash only purchase. Available 4/12/22.
-
2022-01-27$134,500 Active 701-char remark
Show marketing remark (701 chars)
Lovely 2 bedroom, 2 bath, Doublewide, with Screen Sun Room, located in the pet section, is just waiting for you to enjoy! Fully furnished, with newer windows, vapor barrier insulation, and laminate floors! Wonderful new guest bathroom, walk in closet, and lots of storage/extras! Washer/Dryer is also included! Hurry to see this resort inspired Florida Home, in this super popular golf & tennis, 55+, , 5 Star Resident Owned Community! Always fun activities to enjoy! See Palm Hill's beautiful website. Close to shopping, VA Hospital, beaches, Pinellas Bike Trail, airports, restaurants, and all you would want! Price includes the share! $396 per mo. fee! Cash only purchase. Available 4/12/22.
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2012-08-27soldstatus $52,000
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2001-08-24soldstatus $27,000
ⓘ 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
- $1,563 · $130/mo
- Projected year-2 tax
- $1,563 · $130/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 6 d/yr ≥108°F today · 18 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 · 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
- $22,617
- − Mortgage interest
- −$6,716
- − Property taxes
- −$1,563
- − Insurance
- −$600
- − Repairs & maintenance
- −$1,809
- − Management
- −$1,809
- − HOA
- −$6,648
- − Depreciation
- −$3,488
- Taxable loss
- −$17
- Est. tax savings @ 24.0%
- +$4
- After-tax cash flow
- $1,515/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
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Largo, FL
- County
- Pinellas County · 939,478 people
- City population
- 106,311
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 25,368
- Household income
- $59,815
- Rent vs Own
- Severe rent burden
- 1404.0
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 (75%)
- Race & ethnicity
- White 75% Hispanic / Latino 11% Two or more races 9% Black 8% Asian 1%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 3% Cuban 2%
- Common ancestry
- Lithuanian 3% Romanian 2% Slovak 2%
- Foreign-born
- 9% · Canada, Jamaica
- Languages at home
- 89% English-only · Spanish 5% Other Indo-European 2% German/W. Germanic 1%
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
- ▼ -317.05%
- Current HPI
- 353.8484
- Rent YoY
- ▼ -3.47%
- 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
+344.1% since first listed13 events — show timeline
- 2026-01-13 Listed $119,900 Stellar MLS as Distributed by MLS Grid
- 2025-08-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2025-03-07 Price Changed $109,000 Stellar MLS as Distributed by MLS Grid
- 2025-02-15 Price Changed $119,000 Stellar MLS as Distributed by MLS Grid
- 2024-11-13 Listed $129,000 Stellar MLS as Distributed by MLS Grid
- 2022-04-12 Sold (MLS) $115,000 Stellar MLS as Distributed by MLS Grid
- 2022-03-22 Pending — Stellar MLS as Distributed by MLS Grid
- 2022-03-16 Relisted — Stellar MLS as Distributed by MLS Grid
- 2022-03-15 Pending — Stellar MLS as Distributed by MLS Grid
- 2022-02-18 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
- 2022-01-27 Listed $134,500 Stellar MLS as Distributed by MLS Grid
- 2012-08-27 Sold (Public Records) $52,000 Public Records
- 2001-08-24 Sold (Public Records) $27,000 Public Records
Property tax history
+6.7%/yrLatest (2025): $1,563 · -15.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…