12619 Hammock Park Dr · Riverview, FL 33579

$345,000

4 bd · 2.0 ba · 1,689 sqft · SingleFamily public records · 98 Days on market

Built 2020 4,400 sqft lot $8/mo HOA ↓ 8% since listing

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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 +7.9/30.0
• ARV discount +7.5/15.0
• Appreciation +4.3/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• 1% rule +3.4/10.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• DSCR +2.0/10.0

Listing remarks MLS

* * YOUR DREAM HOME AWAITS YOU * * This beautiful home built in 2020 is located in the highly desirable Triple Creek Community!! Upon entering this beautiful 4 bedroom 2 bathroom house you will feel completely at home, this great open concept will allow you to enjoy many family afternoons in the comfortable living room. You will also enjoy your time in the large kitchen that has modern light gray cabinets, quartz countertops, back splash, stainless steel appliances, eat-in island and oversized walk-in pantry. Luxury Vinyl Planks in all common areas and well-maintained carpet in the bedrooms. The bathrooms are very comfortable and spacious, the cabinets have quartz countertops and as an upgrade you can enjoy and relax with your favorite music while enjoying your bath time with the bluetooth speakers. If you are a lover of cooking outdoors in the afternoon, this house includes a beautiful and private backyard where you can enjoy your BBQ. As an upgrade, this house is VERY WELL located since it has a conservation lot in the front which you can use to enjoy sunny Florida afternoons. The Triple Creek community amenities are a must see and offer a resort-style pool with lap lanes, splash pad, fitness center, tot lot, open playfield, tennis courts, basketball court, dog park as well as community trails. Close to everything, shops, cinemas, St. Joseph Hospital, VA Hospital, the best restaurants, easy access to US 301, I-75, and the Selmon Expressway. Do not miss this great opportunity and BRING YOUR BEST OFFER!!

Key facts

• Walk-in closet
• Natural light
• Modern kitchen

Tags

• MODERN KITCHEN
• STAINLESS STEEL APPLIANCES
• CLASSIC SUBWAY TILE BACKSPLASH
• SPACIOUS LIVING ROOM
• NATURAL LIGHT
• WALK-IN CLOSET

Property features AI

Finance

• Other: Homestead exempt; CDD present
• Financial info: Other annual assessment approximately $3,404; Lease restrictions apply
• HOA & community: HOA required (Association: Asjia Smith); Annual HOA fee approximately $100.34 (includes pool); Monthly HOA approximately $8.36; Community amenities: clubhouse, fitness center, park, playground, pool, sidewalks, tennis courts; Pets allowed

Exterior

• Parking: Attached garage (2 cars); Alley access
• Utilities: Public water; Public sewer; Public utilities
• Home design: Single-family residence; One story; Faces east; Residential property in a planned development (PD)
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built on a 40 x 110 lot (approximately 0.1 acres)
• Exterior features: Dog run; Hurricane shutters; Sidewalk; Sliding doors; Asphalt road access

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Solid surface counters
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Eat-in kitchen; Kitchen/family room combo; Living room/dining room combo; Open floorplan; Solid surface counters; Walk-in closet(s)
• Laundry & utility: Inside laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $345k.

Deal economics

• At list price, monthly cash flow is $-365 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $280k (18.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $289k (16.2% below list).
• Recommended offer: $280k (18.7% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 79/100 on livability (#134 in FL, #2,000 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, employment B+; Watch: amenities F.
• Hillsborough (suburban): math 47% / reading 50% proficiency, ranked #41 of 73 in FL (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Warren Hope Dawson Elementary (math 43% / reading 48%, grade D-, #1,247 of 2,144 statewide, top 59%, 948 students, 41% FRL); East Bay High School (math 24% / reading 35%, grade F, #447 of 667 statewide, top 68%, 1,995 students, 51% FRL).
• Market conditions: Rents rising (+1.2%/yr); 457 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).

Forward outlook

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

Negotiation context

• It's been on market 98 days — a 9% lower offer ($314k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask has dropped $36k (9%) 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; major wildfire risk; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $280,475 (18.7% 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 98 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.84% ✗
• Cap rate: 5.02%
• Cash-on-cash: -4.54%
• DSCR: 0.80
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -15.5%
• Equity multiple: 0.37×
• Total profit: $-60,739
• Equity at exit: $76,360

10-year hold

• IRR: -10.8%
• Equity multiple: 0.16×
• Total profit: $-81,059
• Equity at exit: $74,428

Cash invested: $96,600 (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 33579

• Home prices YoY: -0.6%
• Rents YoY: 1.2%
• Active inventory: 457
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,892 high
• Mortgage (P&I): −$1,809
• Tax from tax record: −$689 /mo · $8,267/yr
• Insurance: −$144
• HOA: −$8
• Vacancy / Maint / Mgmt: −$607
• Net cashflow: $-365

Break-even live

Break-even rent $3,354

Max offer price $280,475

Occupancy floor —

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: $86,250
• Closing costs: $10,350
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13009 Majestic Garden Ln Riverview, FL	3.0	2.0	1561	$2,800	$1.79	24d	1	0.54mi
12964 Wildflower Meadow Dr Riverview, FL	4.0	2.0	1935	$2,300	$1.19	20d	1	0.73mi
12964 Wildflower Meadow Dr Riverview, FL	4.0	2.0	1935	$2,300	$1.19	5d	1	0.73mi
12967 Wildflower Meadow Dr Riverview, FL	4.0	2.0	1935	$2,400	$1.24	24d	1	0.73mi
13204 Great Plains Dr Riverview, FL	4.0	2.0	1935	$2,990	$1.55	5d	1	0.79mi
12111 Anderson Dr Riverview, FL	3.0	2.0	1298	$2,400	$1.85	24d	1	0.88mi
12525 Lovers Ln Riverview, FL	4.0	2.0	1344	$1,650	$1.23	24d	1	0.91mi
13144 Peachleaf Ave Riverview, FL	4.0	2.0	1850	$2,995	$1.62	5d	1	1.04mi
13185 Green Violet Dr Riverview, FL	4.0	3.0	1908	$2,459	$1.29	5d	1	1.05mi
12544 Shining Willow St Riverview, FL	4.0	3.0	2035	$3,000	$1.47	4d	1	1.11mi
13337 Woodworth Way Riverview, FL	4.0	2.5	1920	$2,850	$1.48	18d	1	1.11mi
11810 Tetrafin Dr Riverview, FL	4.0	2.0	2184	$2,750	$1.26	24d	1	1.42mi
13456 Palmera Vista Dr Riverview, FL	3.0	2.0	1752	$2,500	$1.43	18d	1	1.42mi
13515 Palmera Vista Dr Riverview, FL	4.0	2.0	1832	$3,600	$1.97	5d	1	1.49mi
13515 Palmera Vista Dr Riverview, FL	4.0	2.0	1850	$3,800	$2.05	18d	1	1.49mi

HOA detail

• Monthly dues: $8 · $96/yr
• Likely covers: poolgym

Listing history 14 events

1. 2026-05-15
   status Pending
2. 2026-05-11
   status Active
3. 2026-04-20
   price $345,000
4. 2026-04-13
   price $355,000
5. 2026-03-30
   price $360,000
6. 2026-03-17
   price $365,000
7. 2026-03-04
   price $370,000
8. 2026-02-23
   price $375,000
9. 2026-02-16
   price $380,000
10. 2026-01-31
    listed $381,000 Active
11. 2023-06-14
    soldstatus $375,000
12. 2023-06-12
    soldstatus $375,000 Closed 1533-char remark

    Show marketing remark (1533 chars)

    * * YOUR DREAM HOME AWAITS YOU * * This beautiful home built in 2020 is located in the highly desirable Triple Creek Community!! Upon entering this beautiful 4 bedroom 2 bathroom house you will feel completely at home, this great open concept will allow you to enjoy many family afternoons in the comfortable living room. You will also enjoy your time in the large kitchen that has modern light gray cabinets, quartz countertops, back splash, stainless steel appliances, eat-in island and oversized walk-in pantry. Luxury Vinyl Planks in all common areas and well-maintained carpet in the bedrooms. The bathrooms are very comfortable and spacious, the cabinets have quartz countertops and as an upgrade you can enjoy and relax with your favorite music while enjoying your bath time with the bluetooth speakers. If you are a lover of cooking outdoors in the afternoon, this house includes a beautiful and private backyard where you can enjoy your BBQ. As an upgrade, this house is VERY WELL located since it has a conservation lot in the front which you can use to enjoy sunny Florida afternoons. The Triple Creek community amenities are a must see and offer a resort-style pool with lap lanes, splash pad, fitness center, tot lot, open playfield, tennis courts, basketball court, dog park as well as community trails. Close to everything, shops, cinemas, St. Joseph Hospital, VA Hospital, the best restaurants, easy access to US 301, I-75, and the Selmon Expressway. Do not miss this great opportunity and BRING YOUR BEST OFFER!!

13. 2023-05-14
    status Pending 1533-char remark

    Show marketing remark (1533 chars)

    * * YOUR DREAM HOME AWAITS YOU * * This beautiful home built in 2020 is located in the highly desirable Triple Creek Community!! Upon entering this beautiful 4 bedroom 2 bathroom house you will feel completely at home, this great open concept will allow you to enjoy many family afternoons in the comfortable living room. You will also enjoy your time in the large kitchen that has modern light gray cabinets, quartz countertops, back splash, stainless steel appliances, eat-in island and oversized walk-in pantry. Luxury Vinyl Planks in all common areas and well-maintained carpet in the bedrooms. The bathrooms are very comfortable and spacious, the cabinets have quartz countertops and as an upgrade you can enjoy and relax with your favorite music while enjoying your bath time with the bluetooth speakers. If you are a lover of cooking outdoors in the afternoon, this house includes a beautiful and private backyard where you can enjoy your BBQ. As an upgrade, this house is VERY WELL located since it has a conservation lot in the front which you can use to enjoy sunny Florida afternoons. The Triple Creek community amenities are a must see and offer a resort-style pool with lap lanes, splash pad, fitness center, tot lot, open playfield, tennis courts, basketball court, dog park as well as community trails. Close to everything, shops, cinemas, St. Joseph Hospital, VA Hospital, the best restaurants, easy access to US 301, I-75, and the Selmon Expressway. Do not miss this great opportunity and BRING YOUR BEST OFFER!!

14. 2023-05-02
    listed $375,000 Active 1533-char remark

    Show marketing remark (1533 chars)

    * * YOUR DREAM HOME AWAITS YOU * * This beautiful home built in 2020 is located in the highly desirable Triple Creek Community!! Upon entering this beautiful 4 bedroom 2 bathroom house you will feel completely at home, this great open concept will allow you to enjoy many family afternoons in the comfortable living room. You will also enjoy your time in the large kitchen that has modern light gray cabinets, quartz countertops, back splash, stainless steel appliances, eat-in island and oversized walk-in pantry. Luxury Vinyl Planks in all common areas and well-maintained carpet in the bedrooms. The bathrooms are very comfortable and spacious, the cabinets have quartz countertops and as an upgrade you can enjoy and relax with your favorite music while enjoying your bath time with the bluetooth speakers. If you are a lover of cooking outdoors in the afternoon, this house includes a beautiful and private backyard where you can enjoy your BBQ. As an upgrade, this house is VERY WELL located since it has a conservation lot in the front which you can use to enjoy sunny Florida afternoons. The Triple Creek community amenities are a must see and offer a resort-style pool with lap lanes, splash pad, fitness center, tot lot, open playfield, tennis courts, basketball court, dog park as well as community trails. Close to everything, shops, cinemas, St. Joseph Hospital, VA Hospital, the best restaurants, easy access to US 301, I-75, and the Selmon Expressway. Do not miss this great opportunity and BRING YOUR BEST OFFER!!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $8,267 · $689/mo
• Projected year-2 tax: $8,267 · $689/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 6/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 27 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,704
• − Mortgage interest: −$19,325
• − Property taxes: −$8,267
• − Insurance: −$1,725
• − Repairs & maintenance: −$2,776
• − Management: −$2,776
• − HOA: −$96
• − Depreciation: −$10,036
• Taxable loss: −$10,299
• Est. tax savings @ 24.0%: +$2,472
• After-tax cash flow: $-1,911/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Hillsborough
• NCES district ID: 1200870
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $50,622
• Composite: 41.6/100
• National rank: #3435
• State rank: #41 of 73 in FL

Livability — Riverview

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

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

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

Population outlook (Hillsborough County) Hauer SSP2

• Today (2025): 1,607,022 people
• By 2030: 1,733,968 · +7.9%
• By 2040: 1,979,565 · +23.2%
• By 2050: 2,203,427 · +37.1%
• By 2075: 2,667,893 · +66.0%
• By 2100: 2,891,558 · +79.9%

Race, ethnicity, and origin ACS 2023

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

Political lean MEDSL · Hillsborough

• 2024 margin: Toss-up / Even · D 47.8% · R 50.9% · Other 1.3%
• 2008→2024 swing: -10.2pp toward R · 2008: 7.1pp · 2024: -3.1pp
• All cycles: 2024: R+3.1 2020: D+6.9 2016: D+6.8 2012: D+6.7 2008: D+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.42%
• Current HPI: 240.5825
• Rent YoY: ▲ 1.18%
• Metro: Tampa-St. Petersburg-Clearwater, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-8.0% since first listed

14 events — show timeline

• 2026-05-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-11 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-20 Price Changed $345,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-13 Price Changed $355,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-30 Price Changed $360,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Price Changed $365,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-04 Price Changed $370,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-23 Price Changed $375,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-16 Price Changed $380,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-31 Listed $381,000 Stellar MLS as Distributed by MLS Grid
• 2023-06-14 Sold (Public Records) $375,000 Public Records
• 2023-06-12 Sold (MLS) $375,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-05-02 Listed $375,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+8.9%/yr

Latest (2025): $8,267 · -3.7% YoY. Source: county tax records.