13641 Wild Ginger St · Riverview, FL 33579

$359,990

4 bd · 2.0 ba · 1,935 sqft · SingleFamily public records · 176 Days on market

Built 2021 7,278 sqft lot $12/mo HOA

---

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 +7.8/30.0
• ARV discount +7.5/15.0
• Appreciation +4.3/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• 1% rule +3.3/10.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• DSCR +1.9/10.0

Listing remarks

Better-than-new and truly move-in ready, this beautifully maintained 4-bedroom, 2-bathroom single-story home offers peaceful lake views and a highly functional open-concept layout in the sought-after SouthFork Lakes community. The spacious living room flows effortlessly into the dining area and well-appointed kitchen featuring a large center island with breakfast bar, stainless steel appliances, granite countertops, ample white shaker cabinetry, and a walk-in pantry. The desirable split-bedroom floor plan provides excellent privacy, with the generous primary suite overlooking the water and boasting a huge walk-in closet plus an en-suite bath with dual vanities, granite counters, and a large

Key facts

• Granite countertops
• Center island
• Open-concept layout

Tags

• OPEN-CONCEPT LAYOUT
• CENTER ISLAND
• STAINLESS STEEL APPLIANCES
• GRANITE COUNTERTOPS
• WALK-IN PANTRY
• SPLIT-BEDROOM FLOOR PLAN

Property features AI

Finance

• Other: Lot approximately 0.17 acre (0 to less than 1/4 acre); Asphalt road access
• Financial info: Lease restrictions apply
• HOA & community: HOA managed by First Service Residential; HOA required; HOA fee $150 annually ($12.50 monthly equivalent); Pets allowed; CDD present

Exterior

• Parking: Attached garage with 2 parking spaces
• Utilities: Public water; Public sewer; Public utilities
• Home design: Single family residence; One story; Southeast facing
• Construction: Block construction; Shingle roof; Slab foundation; Built on or before public records date
• Exterior features: Pond view; Other exterior features

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Open floor plan; Solid surface counters; Thermostat
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $360k.

Deal economics

• At list price, monthly cash flow is $-398 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $290k (19.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $301k (16.5% below list).
• Recommended offer: $290k (19.6% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 79/100 on livability (#134 in FL, #2,000 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, employment B+; Watch: amenities F.
• 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: Summerfield Crossings Elementary School (math 43% / reading 45%, grade F, #1,330 of 2,144 statewide, top 63%, 869 students, 53% FRL); Jule F Sumner High School (math 43% / reading 43%, grade F, #255 of 667 statewide, top 39%, 3,827 students, 43% FRL) — zoned schools at 48% FRL track the district average.
• Market conditions: Rents rising (+1.2%/yr); 463 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 31% of the median local income ($116k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-1.4%/yr); year-one equity from $2k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 176 days — a 12% lower offer ($317k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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

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

Recommended offer $289,596 (19.6% 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. It's been on market 176 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-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?
7. 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?
8. 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.
9. 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.
10. 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: 0.83% ✗
• Cap rate: 4.96%
• Cash-on-cash: -4.74%
• DSCR: 0.79
• GRM: 10.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.42% appreciation · 1.18% rent growth · sell at horizon

5-year hold

• IRR: -15.8%
• Equity multiple: 0.36×
• Total profit: $-64,456
• Equity at exit: $79,678

10-year hold

• IRR: -11.1%
• Equity multiple: 0.14×
• Total profit: $-86,836
• Equity at exit: $77,661

Cash invested: $100,797 (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 33579

• Home prices YoY: -0.6%
• Rents YoY: 1.2%
• Active inventory: 463
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $3,005 high
• Mortgage (P&I): −$1,888
• Tax from tax record: −$723 /mo · $8,671/yr
• Insurance: −$150
• HOA: −$12
• Vacancy / Maint / Mgmt: −$631
• Net cashflow: $-398

Break-even live

Break-even rent $3,509

Max offer price $289,596

Occupancy floor —

Sensitivity live

Price	-10% $-195	-5% $-297	+0% $-398	+5% $-500	+10% $-602
Rent	-10% $-636	-5% $-517	+0% $-398	+5% $-280	+10% $-161
Rate	-1.0pp $-217	-0.5pp $-307	base $-398	+0.5pp $-492	+1.0pp $-587

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: $89,998
• Closing costs: $10,800
• Reserves months: —
• Total cash needed: —

Rent comps 33 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11838 Blackeyed Susan Dr Riverview, FL	4.0	2.0	1816	$2,800	$1.54	22d	1	0.10mi
13456 Palmera Vista Dr Riverview, FL	3.0	2.0	1752	$2,500	$1.43	19d	1	0.40mi
13515 Palmera Vista Dr Riverview, FL	4.0	2.0	1850	$3,800	$2.05	19d	1	0.43mi
13515 Palmera Vista Dr Riverview, FL	4.0	2.0	1832	$3,800	$2.07	1d	1	0.43mi
11716 Navajo Sandstone St Riverview, FL	4.0	2.5	2450	$2,900	$1.18	6d	1	0.65mi
11810 Tetrafin Dr Riverview, FL	4.0	2.0	2184	$2,750	$1.26	26d	1	0.66mi
13204 Waterleaf Garden Cir Riverview, FL	4.0	2.0	2046	$3,600	$1.76	6d	1	0.73mi
13316 Palmera Vista Dr Riverview, FL	3.0	2.5	2497	$3,200	$1.28	21d	1	0.75mi
13316 Palmera Vista Dr Riverview, FL	3.0	2.5	2497	$3,200	$1.28	26d	1	0.75mi
11618 Ashton Field Ave Riverview, FL	4.0	3.0	2114	$2,400	$1.14	1d	1	0.83mi
11328 Misty Isle Ln Riverview, FL	4.0	3.5	2532	$2,600	$1.03	11d	1	0.93mi
11927 Streambed Dr Riverview, FL	3.0	2.5	2320	$3,100	$1.34	6d	1	1.01mi
13263 Evening Sunset Ln Riverview, FL	4.0	2.0	1959	$2,200	$1.12	6d	1	1.02mi
13465 Fladgate Mark Dr Riverview, FL	4.0	2.0	1544	$2,045	$1.32	1d	1	1.02mi
13465 Fladgate Mark Dr Riverview, FL	4.0	2.0	1544	$2,045	$1.32	6d	1	1.02mi
12109 Night Jasmine Cv Riverview, FL	4.0	3.0	2364	$3,150	$1.33	11d	1	1.02mi
11519 Misty Isle Ln Riverview, FL	4.0	2.0	1936	$2,600	$1.34	26d	1	1.03mi
12036 Cardinal Flower Dr Riverview, FL	4.0	2.5	2542	$2,590	$1.02	13d	1	1.07mi
11412 Misty Isle Ln Riverview, FL	5.0	4.0	2523	$3,200	$1.27	26d	1	1.07mi
11424 Misty Isle Ln Riverview, FL	3.0	2.0	1839	$2,165	$1.18	14d	1	1.12mi
11427 Misty Isle Ln Riverview, FL	4.0	2.0	1916	$2,310	$1.21	6d	1	1.12mi
13185 Green Violet Dr Riverview, FL	4.0	3.0	1908	$2,459	$1.29	6d	1	1.13mi
11736 Dumaine Valley Rd Riverview, FL	3.0	2.5	1670	$2,000	$1.20	16d	1	1.14mi
13655 Artesa Bell Dr Riverview, FL	4.0	3.0	2351	$3,000	$1.28	0d	1	1.22mi
11211 Flora Springs Dr Riverview, FL	5.0	3.0	2320	$2,723	$1.17	25d	1	1.31mi
11510 Harlan Eddy Ct Riverview, FL	4.0	2.0	2351	$2,700	$1.15	26d	1	1.33mi
12330 Streambed Dr Riverview, FL	4.0	3.0	2357	$3,300	$1.40	6d	1	1.35mi
13423 Beechberry Dr Riverview, FL	4.0	2.5	2322	$2,800	$1.21	4d	1	1.36mi
12201 Matchfield Way Riverview, FL	4.0	2.0	1522	$1,595	$1.05	19d	1	1.43mi
12115 Feldwood Creek Ln Riverview, FL	3.0	2.0	1234	$1,850	$1.50	6d	1	1.43mi
12116 Feldwood Creek Ln Riverview, FL	3.0	2.0	1289	$1,825	$1.42	22d	1	1.46mi
12377 Streambed Dr Riverview, FL	4.0	2.5	2414	$2,800	$1.16	26d	1	1.47mi
13230 Prestwick Dr Riverview, FL	3.0	2.0	1270	$1,830	$1.44	19d	1	1.47mi

HOA detail

• Monthly dues: $12 · $144/yr
• Likely covers: water

Listing history 8 events

1. 2026-05-11
   status Pending
2. 2026-03-27
   status Active
3. 2026-03-25
   status Pending
4. 2026-03-24
   price $359,990
5. 2026-02-26
   price $364,990
6. 2025-12-16
   price $369,900
7. 2025-11-14
   listed $374,900 Active
8. 2020-12-09
   soldstatus $3,540,000

ⓘ 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: $8,671 · $723/mo
• Projected year-2 tax: $8,671 · $723/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 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 26 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

Taxation est. · year 1

• Rental income: $36,060
• − Mortgage interest: −$20,165
• − Property taxes: −$8,671
• − Insurance: −$1,800
• − Repairs & maintenance: −$2,885
• − Management: −$2,885
• − HOA: −$144
• − Depreciation: −$10,472
• Taxable loss: −$10,962
• Est. tax savings @ 24.0%: +$2,631
• After-tax cash flow: $-2,151/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 — Riverview

• Score: 79/100
• State rank: #134
• US rank: #2000

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Riverview, FL
• County: Hillsborough County · 1,540,968 people
• City population: 137,988
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 49,470
• Household income: $116,134
• Rent vs Own: 16.5% rent · 83.5% own
• Severe rent burden: 258.0

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: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: White 42% Hispanic / Latino 25% Black 24% Two or more races 19% Asian 5%
• Hispanic origin (detail): Mexican 3% Puerto Rican 12% Cuban 3% Dominican 1%
• Common ancestry: Hispanic 1% British 1% Romanian 1%
• Foreign-born: 17% · Canada, Jamaica, China
• Languages at home: 73% English-only · Spanish 19% Other Indo-European 2% French/Haitian/Cajun 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: ▼ -1.42%
• Current HPI: 240.5825
• Rent YoY: ▲ 1.18%
• 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

-89.8% since first listed

8 events — show timeline

• 2026-05-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-24 Price Changed $359,990 Stellar MLS as Distributed by MLS Grid
• 2026-02-26 Price Changed $364,990 Stellar MLS as Distributed by MLS Grid
• 2025-12-16 Price Changed $369,900 Stellar MLS as Distributed by MLS Grid
• 2025-11-14 Listed $374,900 Stellar MLS as Distributed by MLS Grid
• 2020-12-09 Sold (Public Records) $3,540,000 Public Records

Property tax history

+25.1%/yr

Latest (2025): $8,671 · +4.3% YoY. Source: county tax records.