4300 72nd Ave N · Pinellas Park, FL 33781

$283,900

3 bd · 1.0 ba · 1,369 sqft · SingleFamily public records · 20 Days on market

Built 1959 6,168 sqft lot Est $378k · 25% under

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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).

• ARV discount +15.0/15.0
• Cash flow +13.0/30.0
• Schools +4.3/10.0
• DSCR +3.9/10.0
• Livability +3.9/5.0
• 1% rule +3.6/10.0
• Condition / age +2.5/5.0
• Rent growth +1.8/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Cute, well-maintained home and land on corner lot. Move in ready. Large Master Bedroom. Great central location. Near shopping mall, bus lines and schools. Inside work and utility room, Bathroom remodeled recently with designer tiles. Large screened in private porch. Fenced in yard. Workshop/laundry room could easily be made into another bathroom.

Key facts

• 6,168 sq ft lot
• Parking
• Built 1959

Property features AI

Finance

• Other: Property type: Residential, single-family; Corner lot with easy access to Park Blvd and US 19N
• Financial info: No lease restrictions indicated
• HOA & community: No HOA association indicated

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Electricity available
• Home design: Single-family residence; One-story; Faces north
• Construction: Block construction; Shingle roof; Slab foundation; Built area about 1,369 sq ft living (building total 1,732 sq ft)
• Exterior features: Rear screened porch; Other exterior features; Asphalt road access; Lot approximately 50 x 118 (0.14 acres)

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Other flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Laundry area (other)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $284k.

Deal economics

• At list price, monthly cash flow is $-15 ($-184/yr) — negative.
• To cash-flow at today's rent, offer at most $281k (1.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $243k (14.3% below list).
• Recommended offer: $243k (14.3% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 4.0% in Pinellas Park — 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 78/100 on livability (#170 in FL, #2,546 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, schools 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.
• Market conditions: Rents soft (-3.0%/yr); 226 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• At $2,432/mo this rent would consume 51% of the median local household income ($58k/yr) (locally 1115% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k 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 20 days — a 2% lower offer ($280k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 12y 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 $88k; list at $284k implies a 223% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $243,216 (14.3% 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. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.86% ✗
• Cap rate: 6.23%
• Cash-on-cash: -0.23%
• DSCR: 0.99
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $377,844
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4357 70th Ave N	0.11mi	3/3.0	1,343 (-2%)	6mo	$369,570	$275	78
4373 68th Ave N	0.24mi	3/2.0	1,328 (-3%)	9mo	$355,000	$267	73
4191 71st Ave N	0.08mi	3/2.0	1,250 (-9%)	10mo	$380,000	$304	69
7631 46th Way N	0.39mi	3/2.0	1,280 (-6%)	6mo	$340,000	$266	62
6821 44th St N	0.24mi	3/2.0	1,259 (-8%)	18mo	$417,000	$331	56
4410 67th Ave N	0.34mi	3/2.0	1,307 (-4%)	24mo	$275,000	$210	53
3881 67th Ave N	0.44mi	3/1.5	1,450 (+6%)	22mo	$370,000	$255	50
3450 Beechwood Ter N	0.72mi	4/2.0 (+1)	1,340 (-2%)	8mo	$395,000	$295	48
4230 82nd Ave N	0.63mi	3/2.0	1,325 (-3%)	17mo	$367,500	$277	47
7700 47th St N	0.51mi	3/3.0	1,393 (+2%)	22mo	$385,000	$276	47
4330 82nd Ave N	0.63mi	3/2.0	1,228 (-10%)	19mo	$375,000	$305	34

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: -20.1%
• Equity multiple: 0.32×
• Total profit: $-54,088
• Equity at exit: $42,330

10-year hold

• IRR: -21.3%
• Equity multiple: 0.05×
• Total profit: $-75,818
• Equity at exit: $24,546

Cash invested: $79,492 (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 33781

• Rents YoY: -3.0%
• Active inventory: 226
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,432 high
• Mortgage (P&I): −$1,489
• Tax from tax record: −$330 /mo · $3,956/yr
• Insurance: −$118
• HOA: −$0
• Vacancy / Maint / Mgmt: −$511
• Net cashflow: $-15

Break-even live

Break-even rent $2,452

Max offer price $281,187

Occupancy floor 96%

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: $70,975
• Closing costs: $8,517
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4057 71st Ter N Pinellas Park, FL	3.0	2.5	1420	$2,650	$1.87	4d	1	0.18mi
4631 69th Pl N Pinellas Park, FL	3.0	2.5	1420	$2,595	$1.83	24d	1	0.31mi
4627 67th Ave N Pinellas Park, FL	3.0	2.5	1610	$2,500	$1.55	24d	1	0.38mi
6898 47th Ln N Pinellas Park, FL	3.0	2.5	1500	$2,525	$1.68	24d	1	0.43mi
7050 48th St N Pinellas Park, FL	3.0	1.5	1008	$2,350	$2.33	24d	1	0.43mi
4732 68th Ave N Pinellas Park, FL	2.0	3.0	1210	$2,000	$1.65	24d	1	0.45mi
4771 78th Ave N Pinellas Park, FL	2.0	2.0	903	$1,640	$1.82	23d	1	0.65mi
4091 58th Ave N Unit F St. Petersburg, FL	2.0	1.0	900	$1,595	$1.77	2d	1	0.81mi
7800 52nd St N Pinellas Park, FL	3.0	1.0	1163	$1,850	$1.59	24d	1	0.87mi
7911 52nd Way N Pinellas Park, FL	4.0	1.0	1036	$2,500	$2.41	24d	1	0.91mi
3725 57th Ave N Saint Petersburg, FL	3.0	2.0	1800	$3,200	$1.78	4d	1	1.00mi
8851 US Highway 19 N Pinellas Park, FL	1.0–3.0	1.0–2.0	993	$2,850	$2.87	1d	23	1.04mi
5511 65th Ter N Pinellas Park, FL	3.0	2.0	1212	$2,466	$2.03	14d	1	1.08mi
5345 60th Ave N Saint Petersburg, FL	3.0	2.5	1740	$2,400	$1.38	7d	1	1.16mi
4701 88th Ave N Pinellas Park, FL	1.0–2.0	1.0–2.0	855	$1,853	$2.17	10d	20	1.17mi
3584 54th Ave N Saint Petersburg, FL	3.0	1.0	1012	$1,950	$1.93	4d	1	1.27mi
6379 29th St N Saint Petersburg, FL	3.0	2.0	1323	$2,869	$2.17	24d	1	1.30mi
3110 Grand Ave Pinellas Park, FL	1.0–3.0	1.0–2.0	1104	$3,038	$2.75	1d	34	1.30mi
5660 81st Ave N Pinellas Park, FL	4.0	1.0	1300	$2,295	$1.77	4d	1	1.30mi
7005 59th St N Pinellas Park, FL	3.0	2.0	1274	$2,889	$2.27	24d	1	1.34mi
5384 56th Ave N Saint Petersburg, FL	3.0	2.0	1568	$3,400	$2.17	24d	1	1.36mi
3132 56th Ave N Saint Petersburg, FL	3.0	2.0	1063	$2,850	$2.68	24d	1	1.37mi
4973 91st Ave Unit C Pinellas Park, FL	2.0	2.0	875	$1,475	$1.69	13d	1	1.40mi
4973 91st Ave Unit 12 (C) Pinellas Park, FL	2.0	2.0	875	$1,475	$1.69	14d	1	1.40mi
2715 63rd Ter N Unit B St. Petersburg, FL	2.0	2.0	1030	$1,900	$1.84	24d	1	1.43mi

Listing history 14 events

1. 2026-06-18
   days on market $283,900 Active 20 DOM
2. 2026-06-17
   days on market $283,900 Active 19 DOM
3. 2026-06-16
   days on market $283,900 Active 18 DOM
4. 2026-06-15
   days on market $283,900 Active 17 DOM
5. 2026-06-13
   days on market $283,900 Active 15 DOM
6. 2026-06-09
   days on market $283,900 Active 11 DOM
7. 2026-06-08
   pricedays on market $283,900 Active 10 DOM
8. 2026-06-07
   days on market $295,000 Active 9 DOM
9. 2026-06-04
   days on market $295,000 Active 6 DOM
10. 2026-06-03
    days on market $295,000 Active 5 DOM
11. 2026-06-02
    days on market $295,000 Active 4 DOM
12. 2026-06-01
    days on market $295,000 Active 3 DOM
13. 2026-05-31
    remarks 618-char remark
14. 2026-05-31
    days on market $295,000 Active 2 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $3,956 · $330/mo
• Projected year-2 tax: $3,956 · $330/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 4/10 Moderate FEMA zone X · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,186
• − Mortgage interest: −$15,903
• − Property taxes: −$3,956
• − Insurance: −$1,420
• − Repairs & maintenance: −$2,335
• − Management: −$2,335
• − Depreciation: −$8,259
• Taxable loss: −$5,021
• Est. tax savings @ 24.0%: +$1,205
• After-tax cash flow: $1,021/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 — Pinellas Park

• Score: 78/100
• State rank: #170
• US rank: #2546

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pinellas Park, FL
• County: Pinellas County · 939,478 people
• City population: 50,533
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 28,072
• Household income: $57,785
• Rent vs Own: 35.6% rent · 64.4% own
• Severe rent burden: 1115.0

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: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 59% Hispanic / Latino 16% Asian 14% Two or more races 11% Black 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 5%
• Common ancestry: Romanian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 18% · Canada, Vietnam, Jamaica
• Languages at home: 72% English-only · Spanish 12% Vietnamese 7% Other Asian/Pacific 3%

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: ▼ -409.77%
• Current HPI: 348.546
• Rent YoY: ▼ -2.95%
• 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

+515.9% since first listed

7 events — show timeline

• 2026-05-29 Listed $295,000 Stellar MLS as Distributed by MLS Grid
• 2014-06-10 Sold (Public Records) $88,000 Public Records
• 2014-06-02 Sold (MLS) $88,000 Stellar MLS as Distributed by MLS Grid
• 2014-05-13 Contingent — Stellar MLS as Distributed by MLS Grid
• 2014-04-08 Price Changed $89,900 Stellar MLS as Distributed by MLS Grid
• 2014-04-04 Listed $98,000 Stellar MLS as Distributed by MLS Grid
• 1986-06-12 Sold (Public Records) $47,900 Public Records

Property tax history

+9.9%/yr

Latest (2025): $3,956 · +8.3% YoY. Source: county tax records.