8430 144th Ln · Indian Shores, FL 33776

$845,000

4 bd · 3.5 ba · 2,654 sqft · SingleFamily public records · 96 Days on market

Built 1976 9,601 sqft lot Est $812k · at est.

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Why this score? — see what drove the C+ 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 +27.0/30.0
• DSCR +9.3/10.0
• 1% rule +6.6/10.0
• ARV discount +5.7/15.0
• Schools +4.3/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

New to the Market! Welcome home to Whispering Pines in Seminole, Florida. Whispering Pines. .. ahh. .. even the name sounds good!. .. is a very desirable neighborhood because of its larger beautiful homes, A rated Seminole school system, tree lined streets with sidewalks, close proximity to the beach and that warm neighborhood feel you've been dreaming of!! Yes!. .. your dream can come true in this fabulous tri-level pool home with 4 bedrooms, 3 bathrooms and two car garage with workshop area. The moment youenter this happy home you will fall in love with the high wood beamed ceilings and gorgeous big custom windows that let in tons of natural light. The kitchen is super functional with plenty of cabinet/counter space, views of the pool & living area, andthat must have center island (check out the cool exhaust hood). The master bedroom features a wood beamed ceiling, walk in closet, dual vanities and the most amazing original tile work in the bathroom. You will enjoy the screened in lanai overlooking the backyard. Good gosh the backyard has it all. .. a swimming pool, shade trees, bbq area and still room to roam!! The second and third bedrooms have walk in closets and a shared balcony. Don't miss the dining room, inside laundry, first level bedroom/mother-in-law, stone accents, etc, etc. .. Roof replaced in 2006. To recap. .. Perfect location! Pristine Condition! A rated schools, Great Neighborhood! Perfect floor plan for Everyday Living or Entertaining! What are you waiting for???

Key facts

• Renovated bathroom
• Walk-in closet
• Private pool access

Tags

• WHISPERING PINES NEIGHBORHOOD
• LUXURY VINYL PLANK FLOORING
• MULTIPLE LIVING AREAS
• WALK-IN CLOSET
• RENOVATED BATHROOM
• PRIVATE POOL ACCESS

Property features AI

Finance

• Other: Property type: Single family residence; Total building area reported; Total living area reported
• HOA & community: No association (no HOA indicated)

Exterior

• Parking: Attached 2-car garage (20 x 21)
• Utilities: Private water source; Public sewer; Cable available; Public utilities
• Home design: Single family residence; Residential property; Faces east; Three or more levels; R-2 zoning
• Construction: Block, stucco and frame construction; Shingle roof; Slab foundation; Built on a 0.22 acre lot
• Exterior features: Enclosed patio/porch areas; Front porch; Rear porch; Patio; Porch; In-ground spa; Private pool (gunite)

Interior

• Kitchen: Cooktop; Range; Microwave; Dishwasher; Refrigerator; Wine refrigerator; Tankless water heater
• Bedrooms: 4 bedrooms
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Cathedral ceilings; Open floorplan; Solid surface counters; Solid wood cabinets; Walk-in closets; Sliding doors
• Laundry & utility: Laundry closet; Inside utility / laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/3.5-bath single-family listed at $845k.

Deal economics

• At list price, monthly cash flow is $2k ($23k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($10k rent vs $845k).
• Recommended offer: $769k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.7% vs local median 1.1% in Indian Shores — 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 76/100 on livability (#234 in FL, #3,685 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, cost of living 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.
• Zoned schools: Bauder Elementary School (math 80% / reading 73%, grade A, #185 of 2,144 statewide, top 9%, 644 students, 28% FRL); Seminole Middle School (math 55% / reading 53%, grade B-, #196 of 571 statewide, top 36%, 824 students, 49% FRL); Richard O Jacobson Technical High School At Seminole (math 52% / reading 53%, grade C-, #154 of 667 statewide, top 24%, 578 students, 45% FRL).
• Market conditions: 146 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $6k of loan paydown is wiped out by about $25k 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 96 days — a 9% lower offer ($769k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 13y 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 $460k; list at $845k implies a 84% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $768,950 (9.0% below list)

Questions for the listing agent

1. It's been on market 96 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1976 — 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. 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. 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: 1.16% ✓
• Cap rate: 9.66%
• Cash-on-cash: 12.02%
• DSCR: 1.53
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $812,124
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8425 144th Ln	0.03mi	4/3.0	2,708 (+2%)	15mo	$950,000	$351	81
14265 85th Ave	0.16mi	4/3.0	2,540 (-4%)	5mo	$745,000	$293	79
14359 82nd Ter	0.15mi	4/2.5	2,510 (-5%)	6mo	$720,000	$287	75
14176 86th Ave	0.24mi	5/3.0 (+1)	2,582 (-3%)	9mo	$665,000	$258	70
8310 140th St	0.35mi	4/3.0	2,409 (-9%)	6mo	$845,000	$351	61
9203 Sea Oaks Ct	0.44mi	4/3.5	2,798 (+5%)	15mo	$1,047,900	$375	58
14311 83rd Pl	0.18mi	5/3.0 (+1)	2,932 (+10%)	13mo	$885,000	$302	56
13764 86th Ave	0.57mi	4/3.0	2,420 (-9%)	1mo	$570,000	$236	56
8501 141st St	0.31mi	4/3.0	2,328 (-12%)	10mo	$541,940	$233	55
13922 Oak Forest Blvd N	0.50mi	4/3.0	2,486 (-6%)	15mo	$1,045,000	$420	52
13800 77th Ave	0.73mi	4/3.5	2,908 (+10%)	5mo	$940,000	$323	46
7551 141st St	0.67mi	3/2.0 (-1)	2,873 (+8%)	13mo	$880,000	$306	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.5%
• Equity multiple: 0.94×
• Total profit: $-13,027
• Equity at exit: $125,992

10-year hold

• IRR: 8.2%
• Equity multiple: 1.63×
• Total profit: $148,547
• Equity at exit: $73,060

Cash invested: $236,600 (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 33776

• Active inventory: 146
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $9,807 high
• Mortgage (P&I): −$4,431
• Tax from tax record: −$594 /mo · $7,131/yr
• Insurance: −$352
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$2,059
• Net cashflow: $1,943

Break-even live

Break-even rent $7,347

Max offer price $845,000

Occupancy floor 75%

Sensitivity live

Price	-10% $2,422	-5% $2,183	+0% $1,943	+5% $1,704	+10% $1,465
Rent	-10% $1,169	-5% $1,556	+0% $1,943	+5% $2,331	+10% $2,718
Rate	-1.0pp $2,369	-0.5pp $2,158	base $1,943	+0.5pp $1,724	+1.0pp $1,502

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: $211,250
• Closing costs: $25,350
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14323 83rd Pl N Unit 1471180P Seminole, FL	4.0	3.0	2895	$13,452	$4.65	24d	1	0.08mi
14414 91st Ave Seminole, FL	3.0	2.5	2083	$8,000	$3.84	26d	1	0.37mi
19138 Whispering Pines Dr Indian Shores, FL	4.0	3.0	2424	$8,000	$3.30	26d	1	0.37mi
19505 Gulf Blvd #304 Indian Shores, FL	4.0	2.5	2388	$15,000	$6.28	6d	1	0.42mi
7672 140th St Unit NA Seminole, FL	4.0	3.5	2840	$4,700	$1.65	6d	1	0.60mi
9614 Tara Cay Ct Seminole, FL	4.0	4.0	2100	$2,850	$1.36	22d	1	0.77mi
9794 Indian Key Trl Unit 90 Seminole, FL	4.0	4.0	2174	$3,650	$1.68	26d	1	0.82mi
10075 West Bay St Seminole, FL	5.0	2.5	2043	$8,900	$4.36	26d	1	1.34mi
13964 106th Ave Largo, FL	3.0	2.0	2281	$3,500	$1.53	26d	1	1.40mi
17900 Gulf Blvd Unit 16C Redington Shores, FL	3.0	3.0	1789	$3,400	$1.90	0d	1	1.43mi
17900 Gulf Blvd Unit 18-C Redington Shores, FL	3.0	2.5	1935	$4,200	$2.17	26d	1	1.44mi
10285 Barry Dr Largo, FL	3.0	3.0	3008	$8,500	$2.83	26d	1	1.49mi

Listing history 25 events

1. 2026-06-22
   statusdays on market $845,000 Active 96 DOM
2. 2026-06-18
   status $845,000 Pending 94 DOM
3. 2026-06-17
   days on market $845,000 Active 94 DOM
4. 2026-06-16
   days on market $845,000 Active 93 DOM
5. 2026-06-15
   days on market $845,000 Active 92 DOM
6. 2026-06-13
   days on market $845,000 Active 90 DOM
7. 2026-06-09
   days on market $845,000 Active 86 DOM
8. 2026-06-08
   days on market $845,000 Active 85 DOM
9. 2026-06-07
   days on market $845,000 Active 84 DOM
10. 2026-06-04
    days on market $845,000 Active 81 DOM
11. 2026-06-03
    days on market $845,000 Active 80 DOM
12. 2026-06-01
    days on market $845,000 Active 78 DOM
13. 2026-05-31
    days on market $845,000 Active 77 DOM
14. 2026-05-22
    price $845,000
15. 2026-05-15
    price $848,900
16. 2026-04-29
    price $849,900
17. 2026-04-13
    price $875,000
18. 2026-03-15
    listed $888,000 Active
19. 2025-03-26
    soldstatus $460,000
20. 2025-02-24
    listed $460,000 Active
21. 2013-05-07
    soldstatus $285,000
22. 2013-04-30
    soldstatus $285,000 1520-char remark

    Show marketing remark (1520 chars)

    New to the Market! Welcome home to Whispering Pines in Seminole, Florida. Whispering Pines. .. ahh. .. even the name sounds good!. .. is a very desirable neighborhood because of its larger beautiful homes, A rated Seminole school system, tree lined streets with sidewalks, close proximity to the beach and that warm neighborhood feel you've been dreaming of!! Yes!. .. your dream can come true in this fabulous tri-level pool home with 4 bedrooms, 3 bathrooms and two car garage with workshop area. The moment youenter this happy home you will fall in love with the high wood beamed ceilings and gorgeous big custom windows that let in tons of natural light. The kitchen is super functional with plenty of cabinet/counter space, views of the pool & living area, andthat must have center island (check out the cool exhaust hood). The master bedroom features a wood beamed ceiling, walk in closet, dual vanities and the most amazing original tile work in the bathroom. You will enjoy the screened in lanai overlooking the backyard. Good gosh the backyard has it all. .. a swimming pool, shade trees, bbq area and still room to roam!! The second and third bedrooms have walk in closets and a shared balcony. Don't miss the dining room, inside laundry, first level bedroom/mother-in-law, stone accents, etc, etc. .. Roof replaced in 2006. To recap. .. Perfect location! Pristine Condition! A rated schools, Great Neighborhood! Perfect floor plan for Everyday Living or Entertaining! What are you waiting for???

23. 2013-03-11
    listed $300,000 1520-char remark

    Show marketing remark (1520 chars)

    New to the Market! Welcome home to Whispering Pines in Seminole, Florida. Whispering Pines. .. ahh. .. even the name sounds good!. .. is a very desirable neighborhood because of its larger beautiful homes, A rated Seminole school system, tree lined streets with sidewalks, close proximity to the beach and that warm neighborhood feel you've been dreaming of!! Yes!. .. your dream can come true in this fabulous tri-level pool home with 4 bedrooms, 3 bathrooms and two car garage with workshop area. The moment youenter this happy home you will fall in love with the high wood beamed ceilings and gorgeous big custom windows that let in tons of natural light. The kitchen is super functional with plenty of cabinet/counter space, views of the pool & living area, andthat must have center island (check out the cool exhaust hood). The master bedroom features a wood beamed ceiling, walk in closet, dual vanities and the most amazing original tile work in the bathroom. You will enjoy the screened in lanai overlooking the backyard. Good gosh the backyard has it all. .. a swimming pool, shade trees, bbq area and still room to roam!! The second and third bedrooms have walk in closets and a shared balcony. Don't miss the dining room, inside laundry, first level bedroom/mother-in-law, stone accents, etc, etc. .. Roof replaced in 2006. To recap. .. Perfect location! Pristine Condition! A rated schools, Great Neighborhood! Perfect floor plan for Everyday Living or Entertaining! What are you waiting for???

24. 1993-08-17
    soldstatus $142,000
25. 1985-04-01
    soldstatus $130,000

ⓘ 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: $7,131 · $594/mo
• Projected year-2 tax: $7,131 · $594/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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $117,684
• − Mortgage interest: −$47,333
• − Property taxes: −$7,131
• − Insurance: −$9,344
• − Repairs & maintenance: −$9,415
• − Management: −$9,415
• − Depreciation: −$24,582
• Taxable income: $10,465
• Est. tax owed @ 24.0%: −$2,512
• After-tax cash flow: $20,809/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 — Indian Shores

• Score: 76/100
• State rank: #234
• US rank: #3685

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 12,711

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: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 7% Two or more races 7% Asian 2% Black 2%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 1%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 89% English-only · Other Indo-European 4% Russian/Polish/Slavic 3% Spanish 2%

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: ▼ -455.42%
• Current HPI: 337.3149
• Rent YoY: —
• Metro: —
• 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

+550.0% since first listed

12 events — show timeline

• 2026-05-22 Price Changed $845,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-15 Price Changed $848,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-29 Price Changed $849,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-13 Price Changed $875,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-15 Listed $888,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-26 Sold (Public Records) $460,000 Public Records
• 2025-02-24 Listed $460,000 Stellar MLS as Distributed by MLS Grid
• 2013-05-07 Sold (Public Records) $285,000 Public Records
• 2013-04-30 Sold (MLS) $285,000 Stellar MLS as Distributed by MLS Grid
• 2013-03-11 Listed $300,000 Stellar MLS as Distributed by MLS Grid
• 1993-08-17 Sold (Public Records) $142,000 Public Records
• 1985-04-01 Sold (Public Records) $130,000 Public Records

Property tax history

+4.9%/yr

Latest (2025): $7,131 · -20.8% YoY. Source: county tax records.