16632 Grotto Steam Pl · Wimauma, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 25 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
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 +10.5/30.0
- ARV discount +7.5/15.0
- Schools +4.2/10.0
- Condition / age +4.0/5.0
- Appreciation +3.8/10.0
- 1% rule +3.7/10.0
- Livability +3.2/5.0
- DSCR +3.0/10.0
- Rent growth +1.9/5.0
$267,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This isn’t just a home—it’s a lifestyle! Welcome to Southshore Bay, where everyday living feels like a resort and the centerpiece is something you simply won’t find in most communities—a 5-acre crystal-clear Metro Lagoon designed for swimming, kayaking, paddleboarding, and true waterfront relaxation. Located in Wimauma just off State Road 674, this community delivers the rare combination of resort-style living, strong location, and attainable pricing, all within minutes of I-75 for easy access to Tampa, St. Pete, Sarasota, and the Gulf. This townhome is built for both comfort and longevity with all concrete block construction on both levels and include a fully integrated smart home system, making day-to-day living simple whether you’re here full-time or seasonally. Spend your mornings on the water, afternoons by the lagoon, and evenings enjoying everything the area has to showcase just minutes away. With the Bay, golf, dining, and shopping all within reach, this location works whether you’re looking for a primary residence, second home, or investment with real demand behind it.
Key facts
- Resort style living
- 5 acre metro lagoon
- Smart home system
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/3.0-bath townhouse listed at $267k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-136 ($-2k/yr) — negative.
- To cash-flow at today's rent, offer at most $243k (9.0% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $233k (12.8% below list).
- Recommended offer: $233k (12.8% below list) — sets the bar for 1% rule.
- Cap rate 5.7% vs local median 4.5% in Wimauma — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
Location & tenants
- Location reads 64/100 on livability (#699 in FL) — a middle-class / working-renter tenant base. Strengths: commute A, cost of living A-, crime B; Watch: amenities F, employment D-, 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: Reddick Elementary School (math 34% / reading 29%, grade F, #1,841 of 2,144 statewide, top 86%, 794 students, 78% FRL); Shields Middle School (math 29% / reading 27%, grade F, #486 of 571 statewide, top 86%, 1,867 students, 68% FRL); Lennard High School (math 30% / reading 46%, grade F, #328 of 667 statewide, top 50%, 2,404 students, 47% FRL).
- Zoned-school proficiency averages 32% at this address vs 48% district-wide (-16 pts) — the specific schools serving this property underperform the Hillsborough average; the district grade overstates school quality for this exact location.
- Market conditions: Rents soft (-2.5%/yr); 689 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-2.4%/yr); year-one equity from $2k of loan paydown is wiped out by about $6k 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 88 days — a 6% lower offer ($251k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts since 2y ago; this cycle's ask has dropped $23k (8%) 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; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 88 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- 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?
- 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.
- 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.
- 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
- 0.87% ✗
- Cap rate
- 5.68%
- Cash-on-cash
- -2.18%
- DSCR
- 0.90
- GRM
- 9.6
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-2.35% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -18.8%
- Equity multiple
- 0.31×
- Total profit
- $-51,248
- Equity at exit
- $47,652
- IRR
- -17.6%
- Equity multiple
- -0.01×
- Total profit
- $-75,211
- Equity at exit
- $36,783
Cash invested: $74,760 (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
ZIP-level market 33598
- Home prices YoY
- -0.9%
- Rents YoY
- -2.5%
- Active inventory
- 689
- Price-to-rent
- 9.6×
Monthly cashflow live
- Estimated rent
- $2,329 high interval (Pro) →
- Mortgage (P&I)
- −$1,400
- Tax from tax record
- −$253 /mo · $3,030/yr
- Insurance
- −$111
- HOA
- −$212
- Vacancy / Maint / Mgmt
- −$489
- Net cashflow
- $-136
Break-even live
Sensitivity live
| Price | -10% $15 | -5% $-60 | +0% $-136 | +5% $-211 | +10% $-287 |
|---|---|---|---|---|---|
| Rent | -10% $-320 | -5% $-228 | +0% $-136 | +5% $-44 | +10% $48 |
| Rate | -1.0pp $-1 | -0.5pp $-68 | base $-136 | +0.5pp $-205 | +1.0pp $-275 |
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
- $66,750
- Closing costs
- $8,010
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 16638 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,276 | $1.39 | 23d | 1 | 0.14mi |
| 16660 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,276 | $1.39 | 26d | 1 | 0.15mi |
| 16676 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,201 | $1.35 | 26d | 1 | 0.16mi |
| 16619 Ancient Mariner Ln Wimauma, FL | 2.0 | 2.5 | 1541 | $2,031 | $1.32 | 26d | 1 | 0.17mi |
| 16616 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,276 | $1.39 | 23d | 1 | 0.17mi |
| 16665 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 26d | 1 | 0.18mi |
| 16611 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,176 | $1.33 | 22d | 1 | 0.18mi |
| 16667 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 26d | 1 | 0.18mi |
| 16671 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 26d | 1 | 0.18mi |
| 16610 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,176 | $1.33 | 26d | 1 | 0.18mi |
| 5085 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,201 | $1.35 | 26d | 1 | 0.19mi |
| 5089 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,201 | $1.35 | 26d | 1 | 0.19mi |
| 5091 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,201 | $1.35 | 26d | 1 | 0.19mi |
| 5095 Capri Harbor Dr Wimauma, FL | 2.0 | 2.5 | 1578 | $1,956 | $1.24 | 23d | 1 | 0.19mi |
| 5017 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 22d | 1 | 0.20mi |
| 5044 Capri Harbor Dr Wimauma, FL | 2.0 | 2.5 | 1541 | $1,956 | $1.27 | 26d | 1 | 0.22mi |
| 5018 Capri Harbor Dr Wimauma, FL | 2.0 | 2.5 | 1541 | $1,956 | $1.27 | 26d | 1 | 0.22mi |
| 5010 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 26d | 1 | 0.23mi |
| 16634 Mooner Plank Cir Wimauma, FL | 4.0 | 2.5 | 2035 | $2,550 | $1.25 | 26d | 1 | 0.31mi |
| 16705 Myrtle Sand Dr Wimauma, FL | 3.0 | 2.0 | 1253 | $2,350 | $1.88 | 26d | 1 | 0.37mi |
| 4902 Cosmos Cir Wimauma, FL | 3.0 | 1.0–3.5 | 1231 | $2,861 | $2.32 | 0d | 38 | 0.46mi |
| 17042 Oval Rum Dr Wimauma, FL | 3.0 | 2.0 | 1516 | $2,500 | $1.65 | 19d | 1 | 0.49mi |
| 5029 Sable Chime Dr Wimauma, FL | 3.0 | 2.0 | 1451 | $2,420 | $1.67 | 16d | 1 | 0.51mi |
| 5025 Brickwood Rise Dr Wimauma, FL | 4.0 | 2.5 | 1925 | $2,500 | $1.30 | 26d | 1 | 0.56mi |
| 17132 White Mangrove Dr Wimauma, FL | 3.0 | 2.0 | 1561 | $2,100 | $1.35 | 0d | 1 | 0.87mi |
| 17134 White Mangrove Dr Wimauma, FL | 4.0 | 2.0 | 1935 | $2,395 | $1.24 | 26d | 1 | 0.87mi |
| 102 Wintersong Ln Sun City Center, FL | 2.0 | 2.0 | 1508 | $1,995 | $1.32 | 22d | 1 | 0.91mi |
| 16461 Little Garden Dr Wimauma, FL | 3.0 | 2.0 | 1676 | $2,250 | $1.34 | 23d | 1 | 0.94mi |
| 17224 Auburn Arch Loop Wimauma, FL | 2.0–4.0 | 2.5 | 1517 | $2,600 | $1.71 | 19d | 20 | 0.99mi |
| 301 Bryce Ct Sun City Center, FL | 2.0 | 2.0 | 1830 | $1,850 | $1.01 | 26d | 1 | 1.06mi |
| 701 Cypress Pl Sun City Center, FL | 2.0 | 2.0 | 1425 | $1,700 | $1.19 | 26d | 1 | 1.08mi |
| 17345 White Mangrove Dr Wimauma, FL | 4.0 | 2.5 | 1870 | $2,650 | $1.42 | 16d | 1 | 1.09mi |
| 17247 Southern Haven Dr Wimauma, FL | 3.0 | 2.5 | 1660 | $2,300 | $1.39 | 19d | 1 | 1.11mi |
| 16616 Windmill Forge Pass Wimauma, FL | 4.0 | 2.0 | 1846 | $2,350 | $1.27 | 26d | 1 | 1.13mi |
| 16605 Mosaic Oar Dr Wimauma, FL | 3.0 | 2.0 | 1516 | $2,300 | $1.52 | 1d | 1 | 1.14mi |
| 714 Indian Wells Ave Sun City Center, FL | 2.0 | 2.0 | 1515 | $1,695 | $1.12 | 26d | 1 | 1.16mi |
| 717 Indian Wells Ave Sun City Center, FL | 2.0 | 2.0 | 1264 | $1,595 | $1.26 | 26d | 1 | 1.19mi |
| 1104 Desert Hills Dr Sun City Center, FL | 2.0 | 2.0 | 1383 | $1,825 | $1.32 | 19d | 1 | 1.24mi |
| 1005 Rickenbacker Dr Sun City Center, FL | 2.0 | 1.0 | 1224 | $1,595 | $1.30 | 4d | 1 | 1.27mi |
| 17334 Holly Well Ave Wimauma, FL | 2.0 | 2.5 | 1737 | $2,500 | $1.44 | 19d | 1 | 1.33mi |
HOA detail
- Monthly dues
- $212 · $2,544/yr
- Likely covers
- water
Listing history 24 events
-
2026-06-21days on market $267,000 Active 88 DOM
-
2026-06-18days on market $267,000 Active 85 DOM
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2026-06-17days on market $267,000 Active 84 DOM
-
2026-06-16days on market $267,000 Active 83 DOM
-
2026-06-15days on market $267,000 Active 82 DOM
-
2026-06-13days on market $267,000 Active 80 DOM
-
2026-06-13days on market $267,000 Active 79 DOM
-
2026-06-10remarks 693-char remark
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2026-06-09days on market $267,000 Active 76 DOM
-
2026-06-08days on market $267,000 Active 75 DOM
-
2026-06-07days on market $267,000 Active 74 DOM
-
2026-06-04days on market $267,000 Active 71 DOM
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2026-06-03days on market $267,000 Active 70 DOM
-
2026-06-02days on market $267,000 Active 69 DOM
-
2026-06-01days on market $267,000 Active 68 DOM
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2026-05-31days on market $267,000 Active 67 DOM
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2026-05-12price $267,000 1139-char remark
Show marketing remark (1139 chars)
This isn’t just a home—it’s a lifestyle! Welcome to Southshore Bay, where everyday living feels like a resort and the centerpiece is something you simply won’t find in most communities—a 5-acre crystal-clear Metro Lagoon designed for swimming, kayaking, paddleboarding, and true waterfront relaxation. Located in Wimauma just off State Road 674, this community delivers the rare combination of resort-style living, strong location, and attainable pricing, all within minutes of I-75 for easy access to Tampa, St. Pete, Sarasota, and the Gulf. This townhome is built for both comfort and longevity with all concrete block construction on both levels and include a fully integrated smart home system, making day-to-day living simple whether you’re here full-time or seasonally. Spend your mornings on the water, afternoons by the lagoon, and evenings enjoying everything the area has to showcase just minutes away. With the Bay, golf, dining, and shopping all within reach, this location works whether you’re looking for a primary residence, second home, or investment with real demand behind it.
-
2026-05-05price $259,999 1139-char remark
Show marketing remark (1139 chars)
This isn’t just a home—it’s a lifestyle! Welcome to Southshore Bay, where everyday living feels like a resort and the centerpiece is something you simply won’t find in most communities—a 5-acre crystal-clear Metro Lagoon designed for swimming, kayaking, paddleboarding, and true waterfront relaxation. Located in Wimauma just off State Road 674, this community delivers the rare combination of resort-style living, strong location, and attainable pricing, all within minutes of I-75 for easy access to Tampa, St. Pete, Sarasota, and the Gulf. This townhome is built for both comfort and longevity with all concrete block construction on both levels and include a fully integrated smart home system, making day-to-day living simple whether you’re here full-time or seasonally. Spend your mornings on the water, afternoons by the lagoon, and evenings enjoying everything the area has to showcase just minutes away. With the Bay, golf, dining, and shopping all within reach, this location works whether you’re looking for a primary residence, second home, or investment with real demand behind it.
-
2026-03-25$289,999 Active 1139-char remark
Show marketing remark (1139 chars)
This isn’t just a home—it’s a lifestyle! Welcome to Southshore Bay, where everyday living feels like a resort and the centerpiece is something you simply won’t find in most communities—a 5-acre crystal-clear Metro Lagoon designed for swimming, kayaking, paddleboarding, and true waterfront relaxation. Located in Wimauma just off State Road 674, this community delivers the rare combination of resort-style living, strong location, and attainable pricing, all within minutes of I-75 for easy access to Tampa, St. Pete, Sarasota, and the Gulf. This townhome is built for both comfort and longevity with all concrete block construction on both levels and include a fully integrated smart home system, making day-to-day living simple whether you’re here full-time or seasonally. Spend your mornings on the water, afternoons by the lagoon, and evenings enjoying everything the area has to showcase just minutes away. With the Bay, golf, dining, and shopping all within reach, this location works whether you’re looking for a primary residence, second home, or investment with real demand behind it.
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2024-07-12soldstatus $289,990 Closed 1309-char remark
Show marketing remark (1309 chars)
Under Construction. Located off State Road 674 in Wimauma, Southshore Bay brings MetroLagoon living to life! Its 5-acre crystal MetroLagoon provides several activities to enjoy under the warm Florida sun, and has something for everyone. The gated community offers walking and golf cart paths, and is just minutes from I-75, which grants easy access to St. Pete, Downtown Tampa, and Sarasota. When calling Southshore Bay home, you’ll be just 15-minutes from the Bay, public golf courses, and plenty of shops and dining. Each townhome is constructed with all concrete block construction on 1st and 2nd stories and Home is Connected; D. R. Horton’s Smart Home System. Many townhome sites throughout the community sit on pond and conservation sites, which offer beautiful views, as does the scenic MetroLagoon Other inventory options may be available in this community. Please reach out for a list of availability. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability. D. R. Horton Reserves all Rights.
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2024-04-06status Pending 1309-char remark
Show marketing remark (1309 chars)
Under Construction. Located off State Road 674 in Wimauma, Southshore Bay brings MetroLagoon living to life! Its 5-acre crystal MetroLagoon provides several activities to enjoy under the warm Florida sun, and has something for everyone. The gated community offers walking and golf cart paths, and is just minutes from I-75, which grants easy access to St. Pete, Downtown Tampa, and Sarasota. When calling Southshore Bay home, you’ll be just 15-minutes from the Bay, public golf courses, and plenty of shops and dining. Each townhome is constructed with all concrete block construction on 1st and 2nd stories and Home is Connected; D. R. Horton’s Smart Home System. Many townhome sites throughout the community sit on pond and conservation sites, which offer beautiful views, as does the scenic MetroLagoon Other inventory options may be available in this community. Please reach out for a list of availability. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability. D. R. Horton Reserves all Rights.
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2024-03-21price $289,990 1309-char remark
Show marketing remark (1309 chars)
Under Construction. Located off State Road 674 in Wimauma, Southshore Bay brings MetroLagoon living to life! Its 5-acre crystal MetroLagoon provides several activities to enjoy under the warm Florida sun, and has something for everyone. The gated community offers walking and golf cart paths, and is just minutes from I-75, which grants easy access to St. Pete, Downtown Tampa, and Sarasota. When calling Southshore Bay home, you’ll be just 15-minutes from the Bay, public golf courses, and plenty of shops and dining. Each townhome is constructed with all concrete block construction on 1st and 2nd stories and Home is Connected; D. R. Horton’s Smart Home System. Many townhome sites throughout the community sit on pond and conservation sites, which offer beautiful views, as does the scenic MetroLagoon Other inventory options may be available in this community. Please reach out for a list of availability. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability. D. R. Horton Reserves all Rights.
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2024-02-20$293,990 Active 1309-char remark
Show marketing remark (1309 chars)
Under Construction. Located off State Road 674 in Wimauma, Southshore Bay brings MetroLagoon living to life! Its 5-acre crystal MetroLagoon provides several activities to enjoy under the warm Florida sun, and has something for everyone. The gated community offers walking and golf cart paths, and is just minutes from I-75, which grants easy access to St. Pete, Downtown Tampa, and Sarasota. When calling Southshore Bay home, you’ll be just 15-minutes from the Bay, public golf courses, and plenty of shops and dining. Each townhome is constructed with all concrete block construction on 1st and 2nd stories and Home is Connected; D. R. Horton’s Smart Home System. Many townhome sites throughout the community sit on pond and conservation sites, which offer beautiful views, as does the scenic MetroLagoon Other inventory options may be available in this community. Please reach out for a list of availability. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability. D. R. Horton Reserves all Rights.
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2023-08-09soldstatus $877,700
ⓘ 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
- $3,030 · $253/mo
- Projected year-2 tax
- $3,030 · $253/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 · 25 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 · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $27,953
- − Mortgage interest
- −$14,956
- − Property taxes
- −$3,030
- − Insurance
- −$1,335
- − Repairs & maintenance
- −$2,236
- − Management
- −$2,236
- − HOA
- −$2,544
- − Depreciation
- −$7,767
- Taxable loss
- −$6,152
- Est. tax savings @ 24.0%
- +$1,476
- After-tax cash flow
- $-152/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.
Condition & rehab AI · 12 photos
This well-maintained townhome in Southshore Bay offers a good investment opportunity with minimal repairs needed and a good condition score.
Value-add opportunities
- Both Paint exterior — Enhances curb appeal and value
- Rental Replace air filters regularly — Keeps HVAC system running efficiently
- Both Install smart home system — Enhances convenience and value
Renovation cost estimate screening
Value-add ROI direction
- Both Paint exterior — Enhances curb appeal and value ↑
- Rental Replace air filters regularly — Keeps HVAC system running efficiently ↑
- Both Install smart home system — Enhances convenience and value ↑
ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.
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 — Wimauma
- Score
- 64/100
- State rank
- #699
- US rank
- #14659
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Wimauma, FL
- County
- Hillsborough County · 1,540,968 people
- City population
- 196
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 32,820
- Household income
- $97,520
- Rent vs Own
- Severe rent burden
- 149.0
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 0.67)
- Race & ethnicity
- White 40% Hispanic / Latino 39% Black 14% Two or more races 11% Asian 2%
- Hispanic origin (detail)
- Mexican 26% Puerto Rican 3% Cuban 1%
- Common ancestry
- Romanian 2% Scotch-Irish 2% Lithuanian 1%
- Foreign-born
- 23% · Canada, Jamaica, Guatemala
- Languages at home
- 62% English-only · Spanish 35% Other Indo-European 1% Arabic 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
- ▼ -2.35%
- Current HPI
- 271.8552
- Rent YoY
- ▼ -2.50%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-69.6% since first listed8 events — show timeline
- 2026-05-12 Price Changed $267,000 Stellar MLS as Distributed by MLS Grid
- 2026-05-05 Price Changed $259,999 Stellar MLS as Distributed by MLS Grid
- 2026-03-25 Listed $289,999 Stellar MLS as Distributed by MLS Grid
- 2024-07-12 Sold (MLS) $289,990 Stellar MLS as Distributed by MLS Grid
- 2024-04-06 Pending — Stellar MLS as Distributed by MLS Grid
- 2024-03-21 Price Changed $289,990 Stellar MLS as Distributed by MLS Grid
- 2024-02-20 Listed $293,990 Stellar MLS as Distributed by MLS Grid
- 2023-08-09 Sold (Public Records) $877,700 Public Records
Property tax history
+21.8%/yrLatest (2025): $3,030 · +41.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…