910 River Rapids Ave · Bloomingdale, FL 33511

$359,000

5 bd · 3.0 ba · 3,776 sqft · SingleFamily public records · 17 Days on market

Built 1978 0.50 ac lot $15/mo HOA

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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).

• Cash flow +12.3/30.0
• ARV discount +7.5/15.0
• 1% rule +5.2/10.0
• Schools +4.2/10.0
• DSCR +3.6/10.0
• Livability +3.6/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful tree lined street with custom-built homes and ideal for entertaining. Very spacious living room and dining rooms for those family and holiday gatherings. Family room has a wood-burning fireplace for those cozy evenings with French doors leading out to the pool. There is an awesome bonus area next to the family room with a wet bar and room enough for a pool table. Mud room next to the kitchen leads to the pool where you can drop off your shoes or wet bathing suits. Paver decking compliments the huge screen pool and spa. Gourmet kitchen is a cook's dream with wood cabinets, granite countertops and stainless-steel appliances. Refrigerator/freezer is a very large side by side with double doors. Breakfast area in the kitchen overlooks the pool and lanai area. Two primary suites one with a wood­burning fireplace and en-suite bathroom and the other primary suite has a large bedroom area and a sitting area plus an en-suite bathroom. Ideal one-half acre yard for play or your own gardening area for vegetables from garden to table. Oversized 3-car garage for a workshop or storing toys. Easy access to Tampa, MacDill Air Force Base, Crosstown Expressway, 1-75, Tampa International Airport and easy driving distance to theme parks and beautiful world class beaches. Property being sold AS-IS for sellers’ convenience with right to inspect.

Key facts

• Screened pool
• Bonus room
• Private open patio

Tags

• SCREENED POOL
• MULTIPLE GLASS FRENCH DOORS
• BONUS ROOM
• HOME OFFICE OR PLAY AREA
• WASHUP SINK AREA
• PRIVATE OPEN PATIO

Property features AI

Finance

• Other: Property type: Residential, single-family; Zoning: RSC-3; Total lot about 0.5 acre (dimensions ~163x133)
• HOA & community: River Rapids HOA; mandatory association with $180 annual fee ($15/month); Pets allowed

Exterior

• Parking: Attached garage (3 spaces, approximately 20x30); Circular driveway and additional driveway parking
• Utilities: Well water; Aerobic septic system; Broadband/high-speed internet available; Cable available; Electricity available; Water available; Sewer available
• Home design: Single-family residence; One-story; South-facing; Fixer condition
• Construction: Stone, stucco, and wood siding exterior; Shingle roof; Slab foundation; Built with approximately 3,776 sq ft living area (public records)
• Exterior features: Covered patio; Patio with screened enclosure; French doors; Wood fence; Private in-ground pool with screen enclosure; Paved road access; Lot located in county

Interior

• Kitchen: No appliances included
• Bedrooms: 5 bedrooms
• Flooring: Tile flooring; Vinyl flooring
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Kitchen open to family room; Family room fireplace
• Laundry & utility: Indoor laundry

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $359k.

Deal economics

• At list price, monthly cash flow is $-67 ($-806/yr) — negative.
• To cash-flow at today's rent, offer at most $347k (3.3% below list).
• Meets the 1% rule at list price ($4k rent vs $359k).
• Recommended offer: $347k (3.3% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 71/100 on livability (#383 in FL) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A; Watch: amenities F, health & safety 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: Bloomingdale High School (math 41% / reading 54%, grade D, #204 of 667 statewide, top 31%, 2,304 students, 45% FRL).
• Market conditions: Rents soft (-1.2%/yr); 313 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $3,672/mo this rent would consume 54% of the median local household income ($81k/yr) (locally 3073% 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 $11k 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 17 days — a 2% lower offer ($354k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 20y 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: property tax is 3.1% of price.
• 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 $347,131 (3.3% 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 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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: 1.02% ✓
• Cap rate: 6.07%
• Cash-on-cash: -0.80%
• DSCR: 0.96
• GRM: 8.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -21.6%
• Equity multiple: 0.28×
• Total profit: $-72,860
• Equity at exit: $53,528

10-year hold

• IRR: -27.6%
• Equity multiple: -0.09×
• Total profit: $-109,107
• Equity at exit: $31,040

Cash invested: $100,520 (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 33511

• Rents YoY: -1.2%
• Active inventory: 313
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $3,672 medium
• Mortgage (P&I): −$1,883
• Tax from tax record: −$921 /mo · $11,055/yr
• Insurance: −$150
• HOA: −$15
• Vacancy / Maint / Mgmt: −$771
• Net cashflow: $-67

Break-even live

Break-even rent $3,758

Max offer price $347,131

Occupancy floor 97%

Sensitivity live

Price	-10% $136	-5% $34	+0% $-67	+5% $-169	+10% $-270
Rent	-10% $-357	-5% $-212	+0% $-67	+5% $78	+10% $223
Rate	-1.0pp $114	-0.5pp $24	base $-67	+0.5pp $-160	+1.0pp $-255

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: $89,750
• Closing costs: $10,770
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10002 Hunt Cliff Dr Riverview, FL	4.0	3.0	3024	$4,545	$1.50	25d	1	0.25mi
13605 Botany Bay Ct Riverview, FL	4.0	2.5	2885	$2,585	$0.90	21d	1	1.41mi

HOA detail

• Monthly dues: $15 · $180/yr
• Likely covers: pool

Listing history 39 events

1. 2026-06-04
   status $359,000 Pending 17 DOM
2. 2026-06-03
   days on market $359,000 Active 17 DOM
3. 2026-06-02
   days on market $359,000 Active 16 DOM
4. 2026-06-01
   days on market $359,000 Active 15 DOM
5. 2026-05-31
   days on market $359,000 Active 14 DOM
6. 2026-05-16
   listed $359,000 Active
7. 2024-10-14
   historical
8. 2024-10-03
   price $829,000
9. 2024-03-01
   price $899,900
10. 2024-01-11
    price $950,000
11. 2023-12-13
    listed $999,000 Active
12. 2023-05-10
    soldstatus $625,000
13. 2023-05-08
    soldstatus $625,000 Closed 1363-char remark

    Show marketing remark (1363 chars)

    Beautiful tree lined street with custom-built homes and ideal for entertaining. Very spacious living room and dining rooms for those family and holiday gatherings. Family room has a wood-burning fireplace for those cozy evenings with French doors leading out to the pool. There is an awesome bonus area next to the family room with a wet bar and room enough for a pool table. Mud room next to the kitchen leads to the pool where you can drop off your shoes or wet bathing suits. Paver decking compliments the huge screen pool and spa. Gourmet kitchen is a cook's dream with wood cabinets, granite countertops and stainless-steel appliances. Refrigerator/freezer is a very large side by side with double doors. Breakfast area in the kitchen overlooks the pool and lanai area. Two primary suites one with a wood­burning fireplace and en-suite bathroom and the other primary suite has a large bedroom area and a sitting area plus an en-suite bathroom. Ideal one-half acre yard for play or your own gardening area for vegetables from garden to table. Oversized 3-car garage for a workshop or storing toys. Easy access to Tampa, MacDill Air Force Base, Crosstown Expressway, 1-75, Tampa International Airport and easy driving distance to theme parks and beautiful world class beaches. Property being sold AS-IS for sellers’ convenience with right to inspect.

14. 2023-03-25
    status Pending 1363-char remark

    Show marketing remark (1363 chars)

    Beautiful tree lined street with custom-built homes and ideal for entertaining. Very spacious living room and dining rooms for those family and holiday gatherings. Family room has a wood-burning fireplace for those cozy evenings with French doors leading out to the pool. There is an awesome bonus area next to the family room with a wet bar and room enough for a pool table. Mud room next to the kitchen leads to the pool where you can drop off your shoes or wet bathing suits. Paver decking compliments the huge screen pool and spa. Gourmet kitchen is a cook's dream with wood cabinets, granite countertops and stainless-steel appliances. Refrigerator/freezer is a very large side by side with double doors. Breakfast area in the kitchen overlooks the pool and lanai area. Two primary suites one with a wood­burning fireplace and en-suite bathroom and the other primary suite has a large bedroom area and a sitting area plus an en-suite bathroom. Ideal one-half acre yard for play or your own gardening area for vegetables from garden to table. Oversized 3-car garage for a workshop or storing toys. Easy access to Tampa, MacDill Air Force Base, Crosstown Expressway, 1-75, Tampa International Airport and easy driving distance to theme parks and beautiful world class beaches. Property being sold AS-IS for sellers’ convenience with right to inspect.

15. 2023-02-25
    price $679,900 1363-char remark

    Show marketing remark (1363 chars)

    Beautiful tree lined street with custom-built homes and ideal for entertaining. Very spacious living room and dining rooms for those family and holiday gatherings. Family room has a wood-burning fireplace for those cozy evenings with French doors leading out to the pool. There is an awesome bonus area next to the family room with a wet bar and room enough for a pool table. Mud room next to the kitchen leads to the pool where you can drop off your shoes or wet bathing suits. Paver decking compliments the huge screen pool and spa. Gourmet kitchen is a cook's dream with wood cabinets, granite countertops and stainless-steel appliances. Refrigerator/freezer is a very large side by side with double doors. Breakfast area in the kitchen overlooks the pool and lanai area. Two primary suites one with a wood­burning fireplace and en-suite bathroom and the other primary suite has a large bedroom area and a sitting area plus an en-suite bathroom. Ideal one-half acre yard for play or your own gardening area for vegetables from garden to table. Oversized 3-car garage for a workshop or storing toys. Easy access to Tampa, MacDill Air Force Base, Crosstown Expressway, 1-75, Tampa International Airport and easy driving distance to theme parks and beautiful world class beaches. Property being sold AS-IS for sellers’ convenience with right to inspect.

16. 2022-11-30
    listed $725,000 Active 1363-char remark

    Show marketing remark (1363 chars)

    Beautiful tree lined street with custom-built homes and ideal for entertaining. Very spacious living room and dining rooms for those family and holiday gatherings. Family room has a wood-burning fireplace for those cozy evenings with French doors leading out to the pool. There is an awesome bonus area next to the family room with a wet bar and room enough for a pool table. Mud room next to the kitchen leads to the pool where you can drop off your shoes or wet bathing suits. Paver decking compliments the huge screen pool and spa. Gourmet kitchen is a cook's dream with wood cabinets, granite countertops and stainless-steel appliances. Refrigerator/freezer is a very large side by side with double doors. Breakfast area in the kitchen overlooks the pool and lanai area. Two primary suites one with a wood­burning fireplace and en-suite bathroom and the other primary suite has a large bedroom area and a sitting area plus an en-suite bathroom. Ideal one-half acre yard for play or your own gardening area for vegetables from garden to table. Oversized 3-car garage for a workshop or storing toys. Easy access to Tampa, MacDill Air Force Base, Crosstown Expressway, 1-75, Tampa International Airport and easy driving distance to theme parks and beautiful world class beaches. Property being sold AS-IS for sellers’ convenience with right to inspect.

17. 2020-04-17
    soldstatus $448,600
18. 2020-04-08
    soldstatus $448,600 Sold
19. 2020-01-29
    status Pending
20. 2020-01-04
    price $448,600
21. 2019-11-02
    listed $487,400 Active
22. 2012-12-18
    soldstatus $348,900
23. 2012-12-11
    soldstatus $348,900
24. 2012-08-22
    listed $348,900
25. 2012-07-07
    historical
26. 2012-01-06
    listed $349,900
27. 2009-03-27
    soldstatus $260,000
28. 2008-11-20
    listed $244,900
29. 2007-09-24
    historical
30. 2007-05-18
    listed $600,000
31. 2006-08-03
    soldstatus $600,000
32. 2006-07-25
    soldstatus $600,000
33. 2006-06-21
    listed $595,000
34. 2006-06-20
    historical
35. 2006-04-14
    historical
36. 2006-04-13
    listed $599,000
37. 2006-01-23
    listed $619,000
38. 2005-10-15
    soldstatus $350,000
39. 1995-03-21
    soldstatus $153,500

ⓘ 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: $11,055 · $921/mo
• Projected year-2 tax: $11,055 · $921/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 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 26 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $44,070
• − Mortgage interest: −$20,110
• − Property taxes: −$11,055
• − Insurance: −$1,795
• − Repairs & maintenance: −$3,526
• − Management: −$3,526
• − HOA: −$180
• − Depreciation: −$10,444
• Taxable loss: −$6,564
• Est. tax savings @ 24.0%: +$1,575
• After-tax cash flow: $769/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 — Bloomingdale

• Score: 71/100
• State rank: #383
• US rank: #6757

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bloomingdale, FL
• County: Hillsborough County · 1,540,968 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 62,138
• Household income: $81,301
• Rent vs Own: 44.2% rent · 55.8% own
• Severe rent burden: 3073.0

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 0.68)
• Race & ethnicity: White 45% Hispanic / Latino 30% Two or more races 18% Black 15% Asian 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 10% Cuban 6% Dominican 2%
• Common ancestry: Romanian 2% Lithuanian 2% Slovak 2%
• Foreign-born: 18% · Canada, Jamaica
• Languages at home: 72% English-only · Spanish 22% Other Indo-European 2% 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: ▼ -279.49%
• Current HPI: 333.4744
• Rent YoY: ▼ -1.17%
• 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

+133.9% since first listed

34 events — show timeline

• 2026-05-16 Listed $359,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-10-03 Price Changed $829,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-01 Price Changed $899,900 Stellar MLS as Distributed by MLS Grid
• 2024-01-11 Price Changed $950,000 Stellar MLS as Distributed by MLS Grid
• 2023-12-13 Listed $999,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-10 Sold (Public Records) $625,000 Public Records
• 2023-05-08 Sold (MLS) $625,000 Stellar MLS as Distributed by MLS Grid
• 2023-03-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-02-25 Price Changed $679,900 Stellar MLS as Distributed by MLS Grid
• 2022-11-30 Listed $725,000 Stellar MLS as Distributed by MLS Grid
• 2020-04-17 Sold (Public Records) $448,600 Public Records
• 2020-04-08 Sold (MLS) $448,600 Stellar MLS as Distributed by MLS Grid
• 2020-01-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-01-04 Price Changed $448,600 Stellar MLS as Distributed by MLS Grid
• 2019-11-02 Listed $487,400 Stellar MLS as Distributed by MLS Grid
• 2012-12-18 Sold (Public Records) $348,900 Public Records
• 2012-12-11 Sold (MLS) $348,900 Stellar MLS as Distributed by MLS Grid
• 2012-08-22 Listed $348,900 Stellar MLS as Distributed by MLS Grid
• 2012-07-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2012-01-06 Listed $349,900 Stellar MLS as Distributed by MLS Grid
• 2009-03-27 Sold (MLS) $260,000 Stellar MLS as Distributed by MLS Grid
• 2008-11-20 Listed $244,900 Stellar MLS as Distributed by MLS Grid
• 2007-09-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-05-18 Listed $600,000 Stellar MLS as Distributed by MLS Grid
• 2006-08-03 Sold (Public Records) $600,000 Public Records
• 2006-07-25 Sold (MLS) $600,000 Stellar MLS as Distributed by MLS Grid
• 2006-06-21 Listed $595,000 Stellar MLS as Distributed by MLS Grid
• 2006-06-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-04-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-04-13 Listed $599,000 Stellar MLS as Distributed by MLS Grid
• 2006-01-23 Listed $619,000 Stellar MLS as Distributed by MLS Grid
• 2005-10-15 Sold (Public Records) $350,000 Public Records
• 1995-03-21 Sold (Public Records) $153,500 Public Records

Property tax history

+8.8%/yr

Latest (2025): $11,055 · -5.0% YoY. Source: county tax records.