4841 Zodiac Ave · Holiday, FL 34690

$199,900

2 bd · 1.0 ba · 1,191 sqft · SingleFamily public records · 296 Days on market

Built 1964 5,124 sqft lot Est $230k · 13% 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 +13.4/15.0
• Cash flow +11.1/30.0
• Schools +4.3/10.0
• 1% rule +3.4/10.0
• Livability +3.3/5.0
• DSCR +3.2/10.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 3 bedroom, 2 bath, single-story home in Holiday Fl for a first-time home buyer or investor! This home has been completely remodeled, with a Newer water heater-2021, water system Pasteur, roof-2021, AC-2021, a completely metal fenced-in yard, and new stainless steel appliances. Spacious kitchen with ample cabinetry and countertops. Nice floorplan with good-sized rooms. Ceramic tile throughout the home makes for easy cleaning and is extra durable. The home sits on a large lot with a fenced backyard big enough for a pool. Excellent and convenient location with easy access to everything you need! Nearby bus stop, hospital, schools, restaurants, parks, easy interstate access to beaches, and many other amenities. Call for your private showing today, this beauty won’t last long.

Key facts

• Modern upgrades
• Water softener
• Granite countertops

Tags

• MODERN UPGRADES
• NEW ROOF
• HVAC SYSTEM
• ENERGY EFFICIENT WINDOWS
• WATER SOFTENER
• GRANITE COUNTERTOPS

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $-79 ($-952/yr) — negative.
• To cash-flow at today's rent, offer at most $186k (7.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $168k (16.1% below list).
• Recommended offer: $168k (16.1% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.7% in Holiday — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 66/100 on livability (#623 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B; Watch: crime D+, amenities F, commute F.
• Pasco (suburban): math 50% / reading 52% proficiency, ranked #32 of 73 in FL (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Sunray Elementary School (math 27% / reading 27%, grade F, #1,969 of 2,144 statewide, top 94%, 382 students, 92% FRL); Anclote High School (math 28% / reading 38%, grade F, #406 of 667 statewide, top 61%, 1,205 students, 77% FRL) — zoned schools average 84% FRL vs 48% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 30% at this address vs 51% district-wide (-21 pts) — the specific schools serving this property underperform the Pasco average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-2.5%/yr); 131 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• This rent runs 41% of the median local income ($49k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Pasco County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 296 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 20y ago; this cycle's ask has dropped $63k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $167,679 (16.1% 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 296 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
3. Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
7. 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?
8. 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?
9. 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.
10. 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.
11. 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: 5.82%
• Cash-on-cash: -1.70%
• DSCR: 0.92
• GRM: 9.9

CMA / ARV

• ARV (on-the-fly): $229,863
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5024 Odyssey Ave	0.19mi	2/2.0	1,104 (-7%)	2mo	$193,000	$175	73
1126 Clairborne St	0.10mi	2/1.0	1,024 (-14%)	2mo	$215,000	$210	70
5346 Mosaic Dr	0.51mi	2/2.0	1,163 (-2%)	2mo	$207,000	$178	66
1448 Saplin Dr	0.65mi	3/2.0 (+1)	1,188 (-0%)	1mo	$229,000	$193	59
5347 Flora Ave	0.51mi	2/1.5	1,072 (-10%)	1mo	$215,000	$201	56
5352 Riddle Rd	0.56mi	3/1.5 (+1)	1,128 (-5%)	2mo	$258,000	$229	56
5412 Golden Nugget Dr	0.66mi	2/1.5	1,108 (-7%)	1mo	$225,000	$203	55
5346 Riddle Rd	0.55mi	3/1.5 (+1)	1,096 (-8%)	1mo	$250,000	$228	53
4233 Manton Ln	0.75mi	2/2.0	1,140 (-4%)	2mo	$129,000	$113	52
1551 Derrick St	0.36mi	3/2.5 (+1)	1,344 (+13%)	1mo	$240,000	$179	50
5506 Casino Dr	0.64mi	3/2.0 (+1)	1,320 (+11%)	2mo	$147,500	$112	42
5538 Casino Dr	0.70mi	3/2.0 (+1)	1,028 (-14%)	3mo	$187,500	$182	33

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: -22.6%
• Equity multiple: 0.24×
• Total profit: $-42,318
• Equity at exit: $29,806

10-year hold

• IRR: -27.2%
• Equity multiple: -0.11×
• Total profit: $-62,185
• Equity at exit: $17,284

Cash invested: $55,972 (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 34690

• Home prices YoY: -22.4%
• Rents YoY: -2.5%
• Active inventory: 131
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $1,677 high
• Mortgage (P&I): −$1,048
• Tax from tax record: −$272 /mo · $3,269/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$352
• Net cashflow: $-79

Break-even live

Break-even rent $1,777

Max offer price $185,891

Occupancy floor 100%

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4836 Flora Ave Holiday, FL	2.0	2.0	1113	$1,445	$1.30	24d	1	0.00mi
1130 Powersong St Holiday, FL	2.0	1.0	864	$1,800	$2.08	24d	1	0.10mi
1130 Powersong St Holiday, FL	2.0	1.0	864	$1,800	$2.08	14d	1	0.10mi
1254 Firecreek Ct Holiday, FL	3.0	1.0	1129	$1,500	$1.33	1d	1	0.11mi
1050 Clairborne St Holiday, FL	2.0	1.0	1176	$1,825	$1.55	24d	1	0.17mi
1050 Clairborne St Holiday, FL	3.0	1.0	1176	$1,825	$1.55	5d	1	0.17mi
1552 Alert St Holiday, FL	3.0	1.0	956	$2,100	$2.20	5d	1	0.35mi
5637 Golden Nugget Dr Holiday, FL	1.0	1.5	1200	$1,375	$1.15	24d	1	0.89mi
1330 Chancellor Dr Holiday, FL	2.0	2.0	1368	$2,550	$1.86	24d	1	0.90mi
5709 Silver Spur Dr Holiday, FL	1.0	1.0	727	$1,095	$1.51	14d	1	0.92mi
2117 Calusa Trl Holiday, FL	2.0	1.0	1205	$1,600	$1.33	5d	1	0.92mi
2117 Calusa Trl Unit B Holiday, FL	1.0	1.0	708	$1,200	$1.69	5d	1	0.92mi
1525 Swordbill Dr Holiday, FL	1.0	1.0	700	$1,090	$1.56	20d	1	0.93mi
5723 Silver Spur Dr Holiday, FL	2.0	1.0	784	$1,450	$1.85	24d	1	0.94mi
1551 Swordbill Dr Holiday, FL	2.0	1.0	784	$1,450	$1.85	11d	1	0.94mi
1551 Swordbill Dr Holiday, FL	2.0	1.0	784	$1,450	$1.85	24d	1	0.94mi
5338 Nancy Ln Holiday, FL	2.0	1.0	864	$1,430	$1.66	24d	1	0.95mi
3838 Staysail Ln Unit 3838 Holiday, FL	2.0	1.0	1114	$1,500	$1.35	24d	1	1.02mi
5913 Appletree Rd Holiday, FL	3.0	1.0	1028	$2,300	$2.24	17d	1	1.07mi
2132 Kepner Dr Holiday, FL	2.0	1.0	920	$1,295	$1.41	20d	1	1.08mi
4823 Longwood Ave Holiday, FL	3.0	1.0	1122	$1,800	$1.60	5d	1	1.08mi
2051 Pleasure Dr Holiday, FL	2.0	1.0	720	$1,200	$1.67	24d	1	1.11mi
4313 Tahitian Gardens Cir Unit C Holiday, FL	2.0	1.5	825	$1,300	$1.58	14d	1	1.17mi
2412 Arcadia Rd Holiday, FL	3.0	1.0	1360	$1,603	$1.18	24d	1	1.19mi
477 Sevilla Ave Tarpon Springs, FL	3.0	2.0	1141	$2,150	$1.88	1d	1	1.20mi
3623 Holiday Lake Dr Holiday, FL	3.0	1.0	1004	$1,525	$1.52	24d	1	1.22mi
4835 Blossom Dr Holiday, FL	2.0	2.0	1174	$1,700	$1.45	24d	1	1.23mi
4334 Tahitian Gardens Cir Unit C Holiday, FL	2.0	1.0	768	$1,450	$1.89	24d	1	1.23mi
4326 Tahitian Gardens Cir Unit 14E Holiday, FL	2.0	1.5	768	$2,000	$2.60	24d	1	1.25mi
2509 Sweetwood Dr Holiday, FL	2.0	1.0	988	$1,650	$1.67	17d	1	1.27mi
4354 Tahitian Gardens Cir Unit F Holiday, FL	2.0	1.0	825	$1,500	$1.82	24d	1	1.29mi
4337 Tahitian Gardens Cir Unit F Holiday, FL	2.0	1.0	768	$1,500	$1.95	24d	1	1.30mi
4356 Tahitian Gardens Cir Unit C Holiday, FL	2.0	1.0	825	$1,350	$1.64	24d	1	1.30mi
3531 Rosewater Dr Holiday, FL	2.0	2.0	907	$1,795	$1.98	24d	1	1.31mi
3530 Oxford Dr Holiday, FL	2.0	1.5	1080	$1,495	$1.38	21d	1	1.31mi
4365 Tahitian Gardens Cir Unit C Holiday, FL	2.0	1.0	825	$1,400	$1.70	24d	1	1.35mi
2552 Chancery Dr Holiday, FL	2.0	1.0	816	$1,595	$1.95	24d	1	1.36mi
4351 Tahitian Gardens Cir Holiday, FL	2.0	1.0	825	$1,150	$1.39	24d	1	1.36mi
2610 Templewood Dr Holiday, FL	3.0	1.0	1056	$1,800	$1.70	5d	1	1.38mi
4620 Tropical Ln Holiday, FL	2.0	1.0	1276	$1,650	$1.29	1d	1	1.39mi

Listing history 32 events

1. 2025-11-25
   status Pending
2. 2025-10-09
   price $199,900
3. 2025-06-06
   status Active
4. 2025-06-03
   historical
5. 2025-04-07
   status Active
6. 2025-03-28
   status Pending
7. 2025-03-22
   status Active
8. 2025-03-22
   price $270,000
9. 2025-03-10
   status Pending
10. 2025-02-07
    price $250,000
11. 2025-01-08
    listed $263,000 Active
12. 2022-10-20
    soldstatus $267,000
13. 2022-10-11
    soldstatus $267,000 Closed 797-char remark

    Show marketing remark (797 chars)

    Charming 3 bedroom, 2 bath, single-story home in Holiday Fl for a first-time home buyer or investor! This home has been completely remodeled, with a Newer water heater-2021, water system Pasteur, roof-2021, AC-2021, a completely metal fenced-in yard, and new stainless steel appliances. Spacious kitchen with ample cabinetry and countertops. Nice floorplan with good-sized rooms. Ceramic tile throughout the home makes for easy cleaning and is extra durable. The home sits on a large lot with a fenced backyard big enough for a pool. Excellent and convenient location with easy access to everything you need! Nearby bus stop, hospital, schools, restaurants, parks, easy interstate access to beaches, and many other amenities. Call for your private showing today, this beauty won’t last long.

14. 2022-09-14
    status Pending 797-char remark

    Show marketing remark (797 chars)

    Charming 3 bedroom, 2 bath, single-story home in Holiday Fl for a first-time home buyer or investor! This home has been completely remodeled, with a Newer water heater-2021, water system Pasteur, roof-2021, AC-2021, a completely metal fenced-in yard, and new stainless steel appliances. Spacious kitchen with ample cabinetry and countertops. Nice floorplan with good-sized rooms. Ceramic tile throughout the home makes for easy cleaning and is extra durable. The home sits on a large lot with a fenced backyard big enough for a pool. Excellent and convenient location with easy access to everything you need! Nearby bus stop, hospital, schools, restaurants, parks, easy interstate access to beaches, and many other amenities. Call for your private showing today, this beauty won’t last long.

15. 2022-08-30
    price $264,990 797-char remark

    Show marketing remark (797 chars)

    Charming 3 bedroom, 2 bath, single-story home in Holiday Fl for a first-time home buyer or investor! This home has been completely remodeled, with a Newer water heater-2021, water system Pasteur, roof-2021, AC-2021, a completely metal fenced-in yard, and new stainless steel appliances. Spacious kitchen with ample cabinetry and countertops. Nice floorplan with good-sized rooms. Ceramic tile throughout the home makes for easy cleaning and is extra durable. The home sits on a large lot with a fenced backyard big enough for a pool. Excellent and convenient location with easy access to everything you need! Nearby bus stop, hospital, schools, restaurants, parks, easy interstate access to beaches, and many other amenities. Call for your private showing today, this beauty won’t last long.

16. 2022-08-10
    status Active 797-char remark

    Show marketing remark (797 chars)

    Charming 3 bedroom, 2 bath, single-story home in Holiday Fl for a first-time home buyer or investor! This home has been completely remodeled, with a Newer water heater-2021, water system Pasteur, roof-2021, AC-2021, a completely metal fenced-in yard, and new stainless steel appliances. Spacious kitchen with ample cabinetry and countertops. Nice floorplan with good-sized rooms. Ceramic tile throughout the home makes for easy cleaning and is extra durable. The home sits on a large lot with a fenced backyard big enough for a pool. Excellent and convenient location with easy access to everything you need! Nearby bus stop, hospital, schools, restaurants, parks, easy interstate access to beaches, and many other amenities. Call for your private showing today, this beauty won’t last long.

17. 2022-08-08
    status Pending 797-char remark

    Show marketing remark (797 chars)

    Charming 3 bedroom, 2 bath, single-story home in Holiday Fl for a first-time home buyer or investor! This home has been completely remodeled, with a Newer water heater-2021, water system Pasteur, roof-2021, AC-2021, a completely metal fenced-in yard, and new stainless steel appliances. Spacious kitchen with ample cabinetry and countertops. Nice floorplan with good-sized rooms. Ceramic tile throughout the home makes for easy cleaning and is extra durable. The home sits on a large lot with a fenced backyard big enough for a pool. Excellent and convenient location with easy access to everything you need! Nearby bus stop, hospital, schools, restaurants, parks, easy interstate access to beaches, and many other amenities. Call for your private showing today, this beauty won’t last long.

18. 2022-07-28
    price $279,990 797-char remark

    Show marketing remark (797 chars)

    Charming 3 bedroom, 2 bath, single-story home in Holiday Fl for a first-time home buyer or investor! This home has been completely remodeled, with a Newer water heater-2021, water system Pasteur, roof-2021, AC-2021, a completely metal fenced-in yard, and new stainless steel appliances. Spacious kitchen with ample cabinetry and countertops. Nice floorplan with good-sized rooms. Ceramic tile throughout the home makes for easy cleaning and is extra durable. The home sits on a large lot with a fenced backyard big enough for a pool. Excellent and convenient location with easy access to everything you need! Nearby bus stop, hospital, schools, restaurants, parks, easy interstate access to beaches, and many other amenities. Call for your private showing today, this beauty won’t last long.

19. 2022-06-29
    listed $289,990 Active 797-char remark

    Show marketing remark (797 chars)

    Charming 3 bedroom, 2 bath, single-story home in Holiday Fl for a first-time home buyer or investor! This home has been completely remodeled, with a Newer water heater-2021, water system Pasteur, roof-2021, AC-2021, a completely metal fenced-in yard, and new stainless steel appliances. Spacious kitchen with ample cabinetry and countertops. Nice floorplan with good-sized rooms. Ceramic tile throughout the home makes for easy cleaning and is extra durable. The home sits on a large lot with a fenced backyard big enough for a pool. Excellent and convenient location with easy access to everything you need! Nearby bus stop, hospital, schools, restaurants, parks, easy interstate access to beaches, and many other amenities. Call for your private showing today, this beauty won’t last long.

20. 2021-07-26
    soldstatus $224,000
21. 2021-07-16
    soldstatus $224,000 Closed 780-char remark

    Show marketing remark (780 chars)

    FHA, VA, Conventional Financing or Cash! Great opportunity for a first time home buyer or investor! BEAUTIFUL PROPERTY! Renovated property, great conditions, fresh paint throughout, move in ready, won’t last long on the market! Excellent and convenient location! Nearby bus stop, close to shopping mall, hospital, schools, restaurants, parks, easy interstate access to downtown, airport, beaches and many other amenities. SEND OFFER WITH PRE-APPROVAL LETTER OR PROOF OF FUNDS, PROPERTY SOLD "AS IS" WITHOUT REPAIR OR WARRANTY, SELLER HAS NO KNOWLEDGE OF PROPERTY HISTORY, NO DISCLOSURES OR ASSOCIATION DOCS SUPPLIED. BUYER/BUYER'S AGENT IS RESPONSIBLE FOR VERIFYING HOA INFO & FEES, IF ANY, COMMUNITY RULES, SQ FT, LOT SIZE, ROOM DIMENSIONS AND TAXES.

22. 2021-06-16
    status Pending 780-char remark

    Show marketing remark (780 chars)

    FHA, VA, Conventional Financing or Cash! Great opportunity for a first time home buyer or investor! BEAUTIFUL PROPERTY! Renovated property, great conditions, fresh paint throughout, move in ready, won’t last long on the market! Excellent and convenient location! Nearby bus stop, close to shopping mall, hospital, schools, restaurants, parks, easy interstate access to downtown, airport, beaches and many other amenities. SEND OFFER WITH PRE-APPROVAL LETTER OR PROOF OF FUNDS, PROPERTY SOLD "AS IS" WITHOUT REPAIR OR WARRANTY, SELLER HAS NO KNOWLEDGE OF PROPERTY HISTORY, NO DISCLOSURES OR ASSOCIATION DOCS SUPPLIED. BUYER/BUYER'S AGENT IS RESPONSIBLE FOR VERIFYING HOA INFO & FEES, IF ANY, COMMUNITY RULES, SQ FT, LOT SIZE, ROOM DIMENSIONS AND TAXES.

23. 2021-06-12
    listed $219,900 Active 780-char remark

    Show marketing remark (780 chars)

    FHA, VA, Conventional Financing or Cash! Great opportunity for a first time home buyer or investor! BEAUTIFUL PROPERTY! Renovated property, great conditions, fresh paint throughout, move in ready, won’t last long on the market! Excellent and convenient location! Nearby bus stop, close to shopping mall, hospital, schools, restaurants, parks, easy interstate access to downtown, airport, beaches and many other amenities. SEND OFFER WITH PRE-APPROVAL LETTER OR PROOF OF FUNDS, PROPERTY SOLD "AS IS" WITHOUT REPAIR OR WARRANTY, SELLER HAS NO KNOWLEDGE OF PROPERTY HISTORY, NO DISCLOSURES OR ASSOCIATION DOCS SUPPLIED. BUYER/BUYER'S AGENT IS RESPONSIBLE FOR VERIFYING HOA INFO & FEES, IF ANY, COMMUNITY RULES, SQ FT, LOT SIZE, ROOM DIMENSIONS AND TAXES.

24. 2021-01-29
    historical
25. 2021-01-21
    price $149,900
26. 2020-12-17
    listed $139,900 Active
27. 2007-05-03
    soldstatus $124,000
28. 2007-04-23
    soldstatus $124,000
29. 2006-10-27
    listed $129,900
30. 2006-10-14
    historical
31. 2006-09-22
    listed $134,900
32. 2006-06-26
    soldstatus $95,000

ⓘ 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: $3,269 · $272/mo
• Projected year-2 tax: $3,269 · $272/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 7 d/yr ≥109°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,121
• − Mortgage interest: −$11,198
• − Property taxes: −$3,269
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,610
• − Management: −$1,610
• − Depreciation: −$5,815
• Taxable loss: −$4,379
• Est. tax savings @ 24.0%: +$1,051
• After-tax cash flow: $99/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: Pasco
• NCES district ID: 1201530
• Math proficiency: 50% ▼ -10.00%
• Reading proficiency: 52% ▼ -5.00%
• Median HH income: $45,039
• Composite: 43.14/100
• National rank: #3074
• State rank: #32 of 73 in FL

Livability — Holiday

• Score: 66/100
• State rank: #623
• US rank: #12124

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Holiday, FL
• County: Pasco County · 524,098 people
• City population: 33,730
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 12,498
• Household income: $49,401
• Rent vs Own: 33.9% rent · 66.1% own
• Severe rent burden: 625.0

Population outlook (Pasco County) Hauer SSP2

• Today (2025): 570,045 people
• By 2030: 605,844 · +6.3%
• By 2040: 674,806 · +18.4%
• By 2050: 736,022 · +29.1%
• By 2075: 862,900 · +51.4%
• By 2100: 906,364 · +59.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Hispanic / Latino 21% Two or more races 11% Black 5% Native American 2% Asian 1%
• Hispanic origin (detail): Mexican 4% Puerto Rican 7% Cuban 3% Dominican 2%
• Common ancestry: Lithuanian 3% Romanian 2% Slovak 1%
• Foreign-born: 12% · Canada, Jamaica, Vietnam
• Languages at home: 78% English-only · Spanish 16% Arabic 2% Other Indo-European 2%

Political lean MEDSL · Pasco

• 2024 margin: Strong R (+25.2) · D 36.9% · R 62.1% · Other 1.0%
• 2008→2024 swing: -21.6pp toward R · 2008: -3.6pp · 2024: -25.2pp
• All cycles: 2024: R+25.2 2020: R+20.1 2016: R+21.6 2012: R+6.7 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -91.40%
• Current HPI: 316.5846
• Rent YoY: ▼ -2.49%
• 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

+110.4% since first listed

32 events — show timeline

• 2025-11-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-09 Price Changed $199,900 Stellar MLS as Distributed by MLS Grid
• 2025-06-06 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-06-03 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-04-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-03-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-03-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-03-22 Price Changed $270,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-02-07 Price Changed $250,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-08 Listed $263,000 Stellar MLS as Distributed by MLS Grid
• 2022-10-20 Sold (Public Records) $267,000 Public Records
• 2022-10-11 Sold (MLS) $267,000 Stellar MLS as Distributed by MLS Grid
• 2022-09-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-08-30 Price Changed $264,990 Stellar MLS as Distributed by MLS Grid
• 2022-08-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-08-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-07-28 Price Changed $279,990 Stellar MLS as Distributed by MLS Grid
• 2022-06-29 Listed $289,990 Stellar MLS as Distributed by MLS Grid
• 2021-07-26 Sold (Public Records) $224,000 Public Records
• 2021-07-16 Sold (MLS) $224,000 Stellar MLS as Distributed by MLS Grid
• 2021-06-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-06-12 Listed $219,900 Stellar MLS as Distributed by MLS Grid
• 2021-01-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2021-01-21 Price Changed $149,900 Stellar MLS as Distributed by MLS Grid
• 2020-12-17 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 2007-05-03 Sold (Public Records) $124,000 Public Records
• 2007-04-23 Sold (MLS) $124,000 Stellar MLS as Distributed by MLS Grid
• 2006-10-27 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2006-10-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-09-22 Listed $134,900 Stellar MLS as Distributed by MLS Grid
• 2006-06-26 Sold (Public Records) $95,000 Public Records

Property tax history

+17.6%/yr

Latest (2025): $3,269 · -2.7% YoY. Source: county tax records.