301 N 26th St Unit A · Tampa, FL 33605

$330,000

4 bd · 2.0 ba · 1,916 sqft · SingleFamily public records · 43 Days on market

Built 1925 5,510 sqft lot

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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 +21.9/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +7.0/10.0
• 1% rule +5.7/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0

Listing remarks

Calling all investors! Opportunity knocks with this value-add corner property located in the rapidly growing Palmetto Beach area of Tampa. Situated on a desirable corner lot, this property offers incredible potential for investors, rental portfolio expansion, or house hacking opportunities. Conveniently positioned just minutes from Ybor City, Channelside District, Downtown Tampa, Interstate 4, Interstate 275, and the Port Tampa Bay, this property provides excellent access to major employment hubs, entertainment, dining, and transportation corridors. Whether you are looking to renovate and hold, expand your rental portfolio, generate additional income, or take advantage of a house hacking op

Key facts

• Palmetto beach area
• Corner lot
• Corner property

Tags

• CORNER PROPERTY
• CORNER LOT
• PALMETTO BEACH AREA
• ACCESS TO ENTERTAINMENT
• ACCESS TO DINING

Property features AI

Finance

• Other: Property type: Residential, single family; Zoning: RS-50; Lot about 0.13 acre (under 1/4 acre)
• Financial info: No lease restrictions indicated
• HOA & community: No HOA association indicated; Cats and dogs allowed

Exterior

• Utilities: Public water; Public sewer; Cable available; Electricity available; Phone available; Sewer connected; Water connected
• Home design: Single family residence; One story; Faces west
• Construction: Cement siding; Shingle roof; Slab and stilt/on piling foundation; Built area approximately 1,956 square feet
• Exterior features: Asphalt road access

Interior

• Kitchen: Cooktop; Disposal; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Tile; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Washer; Dryer; Laundry located inside

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $330k.

Deal economics

• At list price, monthly cash flow is $93 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $330k).
• Recommended offer: $320k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 79/100 on livability (#142 in FL, #2,135 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: crime D+.
• Hillsborough (suburban): math 47% / reading 50% proficiency, ranked #41 of 73 in FL (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Desoto Elementary School (math 52% / reading 32%, grade F, #1,403 of 2,144 statewide, top 67%, 194 students, 78% FRL); Giunta Middle School (math 22% / reading 28%, grade F, #517 of 571 statewide, top 91%, 857 students, 74% FRL); Blake High School (math 24% / reading 45%, grade F, #386 of 667 statewide, top 59%, 1,537 students, 55% FRL) — zoned schools average 69% FRL vs 52% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 34% at this address vs 48% district-wide (-15 pts) — the specific schools serving this property underperform the Hillsborough average; the district grade overstates school quality for this exact location.
• Market conditions: Rents flat; 190 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).

Forward outlook

• In year one you build about $35k of equity ($2k loan paydown + $33k appreciation (10.0% local appreciation)).
• Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 0.6% rent growth), your $92k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$57k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($320k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y 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 $180k; list at $330k implies a 83% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo; built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $320,100 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.07% ✓
• Cap rate: 8.18%
• Cash-on-cash: 6.75%
• DSCR: 1.30
• GRM: 7.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 0.58% rent growth · sell at horizon

5-year hold

• IRR: 24.2%
• Equity multiple: 2.92×
• Total profit: $177,542
• Equity at exit: $297,290

10-year hold

• IRR: 20.8%
• Equity multiple: 6.45×
• Total profit: $503,333
• Equity at exit: $641,117

Cash invested: $92,400 (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 33605

• Home prices YoY: 3.7%
• Rents YoY: 0.6%
• Active inventory: 190
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $3,544 high
• Mortgage (P&I): −$1,731
• Tax est. 1.5%: −$412 /mo · $4,950/yr
• Insurance: −$138
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$744
• Net cashflow: $93

Break-even live

Break-even rent $3,427

Max offer price $330,000

Occupancy floor 92%

Sensitivity live

Price	-10% $321	-5% $207	+0% $93	+5% $-21	+10% $-135
Rent	-10% $-187	-5% $-47	+0% $93	+5% $233	+10% $373
Rate	-1.0pp $259	-0.5pp $177	base $93	+0.5pp $8	+1.0pp $-79

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: $82,500
• Closing costs: $9,900
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2816 Corrine St Unit 2 Tampa, FL	4.0	2.5	2098	$4,200	$2.00	1d	1	0.23mi
2204 Grant St Tampa, FL	3.0	3.0	1854	$2,995	$1.62	26d	1	0.47mi
2312 E 8th Ave Tampa, FL	3.0	2.0	1420	$2,500	$1.76	13d	1	0.78mi
2312 E 10th Ave Tampa, FL	3.0	1.0	1520	$2,400	$1.58	19d	1	0.87mi
2504 E 12th Ave Tampa, FL	3.0	2.0	1422	$2,500	$1.76	6d	1	0.97mi
1120 E Twiggs St Tampa, FL	1.0–3.0	1.0–2.0	1134	$3,405	$3.00	0d	33	1.04mi
449 S 12th St Tampa, FL	2.0–3.0	2.5–3.0	1866	$7,200	$3.86	6d	4	1.10mi
970 E Scott Dr Unit 3 Tampa, FL	3.0	3.0	1384	$3,810	$2.75	26d	1	1.17mi
1720 Nick Nuccio Pkwy Tampa, FL	3.0	1.0–3.0	955	$3,943	$4.13	26d	40	1.19mi
2104 E Columbus Dr Tampa, FL	3.0	2.0	1231	$1,995	$1.62	26d	1	1.20mi
1011 E Cumberland Ave Tampa, FL	1.0–3.0	1.0–3.0	1043	$6,984	$6.69	0d	26	1.22mi
727 Cruise View Dr Tampa, FL	3.0	2.0	1514	$5,000	$3.30	5d	1	1.23mi
815 Water St Tampa, FL	1.0–3.0	1.0–3.5	1299	$12,948	$9.96	1d	42	1.26mi
2708 N 19th St Tampa, FL	3.0	2.0	1680	$2,200	$1.31	18d	1	1.27mi
2904 Banza St Tampa, FL	4.0	3.0	2031	$3,200	$1.58	26d	1	1.30mi
1152 Hank Ballard St Tampa, FL	3.0	2.0	1303	$3,769	$2.89	1d	1	1.38mi
1149 Hank Ballard St Unit 3 Tampa, FL	3.0	2.0	1303	$3,505	$2.69	26d	1	1.38mi
1150 Hank Ballard St Tampa, FL	1.0–3.0	1.0–2.0	1003	$3,925	$3.91	0d	66	1.40mi
1218 E Kay St #8 Tampa, FL	3.0	3.5	2109	$5,000	$2.37	19d	1	1.44mi
800 Harbour Post Dr Tampa, FL	3.0	1.0–2.0	1001	$4,450	$4.45	0d	31	1.46mi
3114 E 21st Ave Unit 1328494P Tampa, FL	4.0	2.0	1614	$4,781	$2.96	1d	1	1.47mi
450 Knights Run Ave Tampa, FL	2.0–4.0	3.0–5.5	3300	$25,000	$7.58	5d	2	1.48mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	6d	1	1.48mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	5d	1	1.48mi

Listing history 22 events

1. 2026-06-21
   days on market $330,000 Active 43 DOM
2. 2026-06-18
   days on market $330,000 Active 40 DOM
3. 2026-06-17
   days on market $330,000 Active 39 DOM
4. 2026-06-16
   days on market $330,000 Active 38 DOM
5. 2026-06-15
   days on market $330,000 Active 37 DOM
6. 2026-06-13
   days on market $330,000 Active 35 DOM
7. 2026-06-13
   days on market $330,000 Active 34 DOM
8. 2026-06-09
   days on market $330,000 Active 31 DOM
9. 2026-06-08
   days on market $330,000 Active 30 DOM
10. 2026-06-07
    days on market $330,000 Active 29 DOM
11. 2026-06-04
    days on market $330,000 Active 26 DOM
12. 2026-06-03
    days on market $330,000 Active 25 DOM
13. 2026-06-02
    days on market $330,000 Active 24 DOM
14. 2026-06-01
    days on market $330,000 Active 23 DOM
15. 2026-05-31
    days on market $330,000 Active 22 DOM
16. 2026-05-09
    listed $330,000 Active 830-char remark
17. 2024-04-24
    historical
18. 2024-03-27
    price $334,500
19. 2024-03-11
    listed $339,500 Active
20. 2005-08-31
    soldstatus $180,000
21. 1980-02-01
    soldstatus $21,800
22. 1971-01-01
    soldstatus $12,000

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 98% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 28 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $42,534
• − Mortgage interest: −$18,485
• − Property taxes: −$4,950
• − Insurance: −$6,769
• − Repairs & maintenance: −$3,403
• − Management: −$3,403
• − Depreciation: −$9,600
• Taxable loss: −$4,075
• Est. tax savings @ 24.0%: +$978
• After-tax cash flow: $2,095/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Hillsborough
• NCES district ID: 1200870
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $50,622
• Composite: 41.6/100
• National rank: #3435
• State rank: #41 of 73 in FL

Livability — Tampa

• Score: 79/100
• State rank: #142
• US rank: #2135

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tampa, FL
• County: Hillsborough County · 1,540,968 people
• City population: 523,346
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 16,030
• Household income: $36,975
• Rent vs Own: 59.8% rent · 40.2% own
• Severe rent burden: 1374.0

Population outlook (Hillsborough County) Hauer SSP2

• Today (2025): 1,607,022 people
• By 2030: 1,733,968 · +7.9%
• By 2040: 1,979,565 · +23.2%
• By 2050: 2,203,427 · +37.1%
• By 2075: 2,667,893 · +66.0%
• By 2100: 2,891,558 · +79.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: Black 48% Hispanic / Latino 28% Two or more races 18% White 17% Asian 1%
• Hispanic origin (detail): Mexican 6% Puerto Rican 8% Cuban 6% Dominican 1%
• Common ancestry: Hispanic 2% Romanian 1% Lithuanian 1%
• Foreign-born: 17% · Canada, Vietnam, Jamaica
• Languages at home: 72% English-only · Spanish 24% French/Haitian/Cajun 3% Other Asian/Pacific 1%

Political lean MEDSL · Hillsborough

• 2024 margin: Toss-up / Even · D 47.8% · R 50.9% · Other 1.3%
• 2008→2024 swing: -10.2pp toward R · 2008: 7.1pp · 2024: -3.1pp
• All cycles: 2024: R+3.1 2020: D+6.9 2016: D+6.8 2012: D+6.7 2008: D+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 17.43%
• Current HPI: 494.1871
• Rent YoY: ▲ 0.58%
• 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

+2650.0% since first listed

7 events — show timeline

• 2026-05-09 Listed $330,000 Stellar MLS as Distributed by MLS Grid
• 2024-04-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-03-27 Price Changed $334,500 Stellar MLS as Distributed by MLS Grid
• 2024-03-11 Listed $339,500 Stellar MLS as Distributed by MLS Grid
• 2005-08-31 Sold (Public Records) $180,000 Public Records
• 1980-02-01 Sold (Public Records) $21,800 Public Records
• 1971-01-01 Sold (Public Records) $12,000 Public Records

Property tax history

+11.8%/yr

Latest (2025): $596 · +7.6% YoY. Source: county tax records.