3804 N 52nd St · Tampa, FL 33619

$218,000

3 bd · 2.0 ba · 1,200 sqft · SingleFamily public records · 68 Days on market

Built 1965 5,350 sqft lot

---

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 +13.6/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• 1% rule +4.1/10.0
• DSCR +4.1/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Rare opportunity in Tampa! This home has solid bones and just needs some minor work to really bring it to life. Already upgraded with new AC units and a shed in the backyard for extra storage or a workspace setup. Location is a big win here just minutes from Downtown Tampa, Ybor City, and Hard Rock Casino, with easy access to I-4 and I-75 for a smooth commute. Close to shopping, dining, and everyday essentials, making it a great fit for both end users and long-term value.

Key facts

• Shed in the backyard
• New ac units
• Easy access to i-4

Tags

• NEW AC UNITS
• SHED IN THE BACKYARD
• MINUTES FROM DOWNTOWN TAMPA
• EASY ACCESS TO I-4
• CLOSE TO SHOPPING

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $218k.

Deal economics

• At list price, monthly cash flow is $13 ($159/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $199k (8.6% below list).
• Recommended offer: $199k (8.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 79/100 on livability (#142 in FL, #2,135 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: crime D+.
• 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: Oak Park Elementary School (math 42% / reading 25%, grade F, #1,758 of 2,144 statewide, top 83%, 354 students, 90% FRL); Burnett Middle School (math 21% / reading 29%, grade F, #517 of 571 statewide, top 91%, 628 students, 73% FRL); Blake High School (math 24% / reading 45%, grade F, #386 of 667 statewide, top 59%, 1,537 students, 55% FRL) — zoned schools average 73% FRL vs 52% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 31% at this address vs 48% district-wide (-18 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 (-1.1%/yr); 248 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 36% of the median local income ($66k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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 68 days — a 6% lower offer ($205k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 20y ago; this cycle's ask has dropped $27k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $199,292 (8.6% below list)

Questions for the listing agent

1. It's been on market 68 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 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. 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?
7. 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.
8. 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.
9. 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: 0.91% ✗
• Cap rate: 6.37%
• Cash-on-cash: 0.26%
• DSCR: 1.01
• GRM: 9.1

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: -19.4%
• Equity multiple: 0.34×
• Total profit: $-40,256
• Equity at exit: $32,505

10-year hold

• IRR: -20.5%
• Equity multiple: 0.08×
• Total profit: $-56,277
• Equity at exit: $18,849

Cash invested: $61,040 (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 33619

• Home prices YoY: -30.2%
• Rents YoY: -1.1%
• Active inventory: 248
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,993 high
• Mortgage (P&I): −$1,143
• Tax from tax record: −$327 /mo · $3,925/yr
• Insurance: −$91
• HOA: −$0
• Vacancy / Maint / Mgmt: −$419
• Net cashflow: $13

Break-even live

Break-even rent $1,976

Max offer price $218,000

Occupancy floor 94%

Sensitivity live

Price	-10% $137	-5% $75	+0% $13	+5% $-48	+10% $-110
Rent	-10% $-144	-5% $-65	+0% $13	+5% $92	+10% $171
Rate	-1.0pp $123	-0.5pp $69	base $13	+0.5pp $-43	+1.0pp $-101

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: $54,500
• Closing costs: $6,540
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3716 N 52nd St Tampa, FL	3.0	1.0	1152	$1,650	$1.43	26d	1	0.07mi
3716 N 52nd St Tampa, FL	3.0	1.0	1152	$1,650	$1.43	12d	1	0.07mi
3716 N 52nd St Tampa, FL	3.0	1.0	1152	$1,650	$1.43	6d	1	0.07mi
3706 N 52nd St #1 Tampa, FL	3.0	2.5	1334	$2,500	$1.87	4d	1	0.12mi
3611 N 54th St Unit 3 Tampa, FL	3.0	2.0	1126	$1,895	$1.68	4d	1	0.28mi
3421 N Whittier St Apt B Tampa, FL	2.0	1.0	729	$1,700	$2.33	6d	1	0.29mi
3417 Temple St Unit B Tampa, FL	3.0	2.0	975	$1,600	$1.64	26d	1	0.36mi
3420 N 55th St Unit B Tampa, FL	3.0	1.0	1095	$1,500	$1.37	26d	1	0.37mi
4403 N 48th St Tampa, FL	4.0	2.0	1387	$2,500	$1.80	26d	1	0.51mi
3212 N 50th St Unit B Tampa, FL	3.0	2.0	1005	$2,200	$2.19	16d	1	0.53mi
4481 Rachel Falls Dr Tampa, FL	3.0	2.5	1464	$2,350	$1.61	26d	1	0.77mi
5318 E 18th Ave Tampa, FL	4.0	2.0	1270	$1,955	$1.54	26d	1	0.81mi
2925 N 46th St Unit B Tampa, FL	2.0	1.0	1120	$1,103	$0.98	26d	1	0.82mi
4506 N 42nd St Tampa, FL	3.0	1.5	792	$1,900	$2.40	1d	1	0.99mi
5204 N 45th St Apt B Tampa, FL	2.0	1.0	702	$1,350	$1.92	26d	1	1.17mi
3724 E 38th Ave Tampa, FL	3.0	2.0	1188	$1,895	$1.60	26d	1	1.18mi
4501 N 39th St Tampa, FL	4.0	1.0	1072	$1,595	$1.49	23d	1	1.18mi
3705 E North Bay St Tampa, FL	3.0	2.0	969	$1,850	$1.91	5d	1	1.22mi
3910 E Ellicott St Tampa, FL	2.0	1.0	950	$1,800	$1.89	26d	1	1.30mi
3507 E 29th Ave Tampa, FL	3.0	2.0	928	$1,700	$1.83	26d	1	1.37mi
3517 Bishop Eddie Newkirk Way Tampa, FL	3.0	2.0	1200	$2,500	$2.08	26d	1	1.38mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	12d	1	1.41mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	26d	1	1.41mi
6514 Travis Blvd Tampa, FL	3.0	2.0	1200	$3,200	$2.67	26d	1	1.43mi

Listing history 41 events

1. 2026-06-21
   days on market $218,000 Active 68 DOM
2. 2026-06-18
   days on market $218,000 Active 65 DOM
3. 2026-06-17
   days on market $218,000 Active 64 DOM
4. 2026-06-16
   days on market $218,000 Active 63 DOM
5. 2026-06-15
   days on market $218,000 Active 62 DOM
6. 2026-06-13
   days on market $218,000 Active 60 DOM
7. 2026-06-13
   days on market $218,000 Active 59 DOM
8. 2026-06-09
   days on market $218,000 Active 56 DOM
9. 2026-06-08
   days on market $218,000 Active 55 DOM
10. 2026-06-07
    days on market $218,000 Active 54 DOM
11. 2026-06-04
    days on market $218,000 Active 51 DOM
12. 2026-06-03
    days on market $218,000 Active 50 DOM
13. 2026-06-02
    pricedays on market $218,000 Active 49 DOM
14. 2026-06-01
    days on market $229,000 Active 48 DOM
15. 2026-05-31
    days on market $229,000 Active 47 DOM
16. 2026-05-14
    price $229,000 476-char remark

    Show marketing remark (476 chars)

    Rare opportunity in Tampa! This home has solid bones and just needs some minor work to really bring it to life. Already upgraded with new AC units and a shed in the backyard for extra storage or a workspace setup. Location is a big win here just minutes from Downtown Tampa, Ybor City, and Hard Rock Casino, with easy access to I-4 and I-75 for a smooth commute. Close to shopping, dining, and everyday essentials, making it a great fit for both end users and long-term value.

17. 2026-04-21
    price $239,900 476-char remark

    Show marketing remark (476 chars)

    Rare opportunity in Tampa! This home has solid bones and just needs some minor work to really bring it to life. Already upgraded with new AC units and a shed in the backyard for extra storage or a workspace setup. Location is a big win here just minutes from Downtown Tampa, Ybor City, and Hard Rock Casino, with easy access to I-4 and I-75 for a smooth commute. Close to shopping, dining, and everyday essentials, making it a great fit for both end users and long-term value.

18. 2026-04-12
    listed $244,900 Active 476-char remark

    Show marketing remark (476 chars)

    Rare opportunity in Tampa! This home has solid bones and just needs some minor work to really bring it to life. Already upgraded with new AC units and a shed in the backyard for extra storage or a workspace setup. Location is a big win here just minutes from Downtown Tampa, Ybor City, and Hard Rock Casino, with easy access to I-4 and I-75 for a smooth commute. Close to shopping, dining, and everyday essentials, making it a great fit for both end users and long-term value.

19. 2021-06-23
    soldstatus $196,000
20. 2021-06-18
    soldstatus $196,000 Closed 640-char remark

    Show marketing remark (640 chars)

    Now Available in Tampa! Come see this charming Home consisting of 3 bedrooms, 2 bath, 1,200 (sqft), -clean residence with a spacious layout and great backyard! New Interior & Exterior Paint. This is the perfect home for those looking for space and best of all it’s move in ready. Property is being sold “as-is” with right to inspect. It is the buyers and buyer’s agent responsibility to verify all room measurements, utilities info, lot size, schools zoning, building addition permits, building materials, along with all property information in this listing. All room measurements and dimensions are estimates.

21. 2021-04-20
    status Pending 640-char remark

    Show marketing remark (640 chars)

    Now Available in Tampa! Come see this charming Home consisting of 3 bedrooms, 2 bath, 1,200 (sqft), -clean residence with a spacious layout and great backyard! New Interior & Exterior Paint. This is the perfect home for those looking for space and best of all it’s move in ready. Property is being sold “as-is” with right to inspect. It is the buyers and buyer’s agent responsibility to verify all room measurements, utilities info, lot size, schools zoning, building addition permits, building materials, along with all property information in this listing. All room measurements and dimensions are estimates.

22. 2021-04-16
    listed $186,900 Active 640-char remark

    Show marketing remark (640 chars)

    Now Available in Tampa! Come see this charming Home consisting of 3 bedrooms, 2 bath, 1,200 (sqft), -clean residence with a spacious layout and great backyard! New Interior & Exterior Paint. This is the perfect home for those looking for space and best of all it’s move in ready. Property is being sold “as-is” with right to inspect. It is the buyers and buyer’s agent responsibility to verify all room measurements, utilities info, lot size, schools zoning, building addition permits, building materials, along with all property information in this listing. All room measurements and dimensions are estimates.

23. 2014-11-19
    soldstatus $71,000
24. 2014-11-04
    listed $40,000 Active
25. 2014-11-04
    soldstatus $38,964 Sold
26. 2014-06-19
    historical
27. 2014-06-14
    status Active
28. 2014-06-10
    historical
29. 2014-05-21
    price $40,000 Active
30. 2014-05-21
    status Active
31. 2014-04-09
    historical Active with Contract
32. 2014-04-01
    status Active
33. 2013-06-19
    listed $39,000
34. 2006-12-20
    soldstatus $140,000
35. 2006-05-19
    listed $149,900
36. 2006-05-04
    soldstatus $135,500
37. 2003-08-05
    soldstatus $78,000
38. 2002-05-06
    soldstatus $49,000
39. 2002-05-06
    soldstatus $42,900
40. 1998-03-17
    soldstatus $62,900
41. 1986-06-01
    soldstatus $33,000

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

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $3,925 · $327/mo
• Projected year-2 tax: $3,925 · $327/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 26 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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,915
• − Mortgage interest: −$12,211
• − Property taxes: −$3,925
• − Insurance: −$1,090
• − Repairs & maintenance: −$1,913
• − Management: −$1,913
• − Depreciation: −$6,342
• Taxable loss: −$3,479
• Est. tax savings @ 24.0%: +$835
• After-tax cash flow: $995/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 — Tampa

• Score: 79/100
• State rank: #142
• US rank: #2135

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tampa, FL
• County: Hillsborough County · 1,540,968 people
• City population: 523,346
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 41,396
• Household income: $66,134
• Rent vs Own: 49.2% rent · 50.8% own
• Severe rent burden: 2006.0

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 0.72)
• Race & ethnicity: Hispanic / Latino 36% Black 28% White 27% Two or more races 21% Asian 3%
• Hispanic origin (detail): Mexican 5% Puerto Rican 13% Cuban 11% Dominican 1%
• Common ancestry: Hispanic 2% Iranian 1% Italian 1%
• Foreign-born: 22% · Canada, Jamaica, Vietnam
• Languages at home: 64% English-only · Spanish 28% Other Indo-European 1% 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: ▼ -162.52%
• Current HPI: 375.4923
• Rent YoY: ▼ -1.14%
• 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

+593.9% since first listed

26 events — show timeline

• 2026-05-14 Price Changed $229,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-21 Price Changed $239,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-12 Listed $244,900 Stellar MLS as Distributed by MLS Grid
• 2021-06-23 Sold (Public Records) $196,000 Public Records
• 2021-06-18 Sold (MLS) $196,000 Stellar MLS as Distributed by MLS Grid
• 2021-04-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-04-16 Listed $186,900 Stellar MLS as Distributed by MLS Grid
• 2014-11-19 Sold (Public Records) $71,000 Public Records
• 2014-11-04 Listed $40,000 Stellar MLS as Distributed by MLS Grid
• 2014-11-04 Sold (MLS) $38,964 Stellar MLS as Distributed by MLS Grid
• 2014-06-19 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-06-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-05-21 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-05-21 Price Changed $40,000 Stellar MLS as Distributed by MLS Grid
• 2014-04-09 Contingent — Stellar MLS as Distributed by MLS Grid
• 2014-04-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2013-06-19 Listed $39,000 Stellar MLS as Distributed by MLS Grid
• 2006-12-20 Sold (Public Records) $140,000 Public Records
• 2006-05-19 Listed $149,900 Stellar MLS as Distributed by MLS Grid
• 2006-05-04 Sold (Public Records) $135,500 Public Records
• 2003-08-05 Sold (Public Records) $78,000 Public Records
• 2002-05-06 Sold (Public Records) $42,900 Public Records
• 2002-05-06 Sold (Public Records) $49,000 Public Records
• 1998-03-17 Sold (Public Records) $62,900 Public Records
• 1986-06-01 Sold (Public Records) $33,000 Public Records

Property tax history

+14.6%/yr

Latest (2025): $3,925 · +3.0% YoY. Source: county tax records.