3430 Yale Cir · Riverview, FL 33578

$5,000

3 bd · 2.0 ba · 1,934 sqft · SingleFamily public records · 3 Days on market

Built 1976

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends June 29, 2026 at 10:00 AM EST. Explore this charming 3-bedroom, 2-bath residence set in a peaceful and well-located Riverview community. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa.

Key facts

• 2 garage spots
• Listed 3 days

Property features AI

Exterior

• Parking: Attached or detached 2-car garage
• Home design: Residential property; One story
• Exterior features: Approximately 0.26-acre lot; Zoned RSC-4

Interior

• Bathrooms: Two full bathrooms
• Interior features: Single-story layout

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $2k ($22k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $5k).

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: Symmes Elementary School (math 55% / reading 57%, grade C+, #832 of 2,144 statewide, top 40%, 423 students, 49% FRL); Giunta Middle School (math 22% / reading 28%, grade F, #517 of 571 statewide, top 91%, 857 students, 74% FRL); Riverview High School (math 37% / reading 50%, grade F, #248 of 667 statewide, top 38%, 2,599 students, 46% FRL) — zoned schools at 56% FRL track the district average.
• Market conditions: Rents soft (-0.9%/yr); 572 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 20d 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).
• This rent runs 33% of the median local income ($86k/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 $35 of loan paydown is wiped out by about $150 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $5,000

Questions for the listing agent

1. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 47.50% ✓
• Cap rate: 448.32%
• Cash-on-cash: 1578.67%
• DSCR: 71.24
• GRM: 0.2

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: —
• Equity multiple: 79.26×
• Total profit: $109,569
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 157.93×
• Total profit: $219,705
• Equity at exit: $432

Cash invested: $1,400 (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 33578

• Home prices YoY: -12.9%
• Rents YoY: -0.9%
• Active inventory: 572
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,375 high
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• HOA: −$0
• Vacancy / Maint / Mgmt: −$499
• Net cashflow: $1,842

Break-even live

Break-even rent $44

Max offer price $5,000

Occupancy floor 17%

Sensitivity live

Price	-10% $1,845	-5% $1,844	+0% $1,842	+5% $1,840	+10% $1,838
Rent	-10% $1,654	-5% $1,748	+0% $1,842	+5% $1,936	+10% $2,029
Rate	-1.0pp $1,844	-0.5pp $1,843	base $1,842	+0.5pp $1,840	+1.0pp $1,839

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11112 Swansea St Riverview, FL	2.0	2.0	1731	$2,500	$1.44	18d	1	0.41mi
5422 Watson Rd Riverview, FL	4.0	2.0	2080	$2,495	$1.20	13d	1	0.42mi
1407 Trail Boss Ln Brandon, FL	4.0	2.0	1857	$2,395	$1.29	19d	1	0.45mi
5403 Lindburg St Riverview, FL	4.0	2.0	1830	$2,300	$1.26	26d	1	0.56mi
1024 Hallwood Loop Brandon, FL	3.0	2.0	1466	$2,245	$1.53	1d	1	0.58mi
6523 Watson Rd Riverview, FL	3.0	2.0	1937	$2,950	$1.52	21d	1	0.59mi
1407 Wakefield Dr Brandon, FL	3.0	2.0	1728	$2,200	$1.27	23d	1	0.68mi
816 Centerwood Ct Brandon, FL	3.0	2.0	1391	$2,009	$1.44	26d	1	0.72mi
856 Creekway Ct Brandon, FL	3.0	2.0	1556	$2,045	$1.31	23d	1	0.73mi
2023 Green Juniper Ln Brandon, FL	3.0	2.0	1306	$2,125	$1.63	19d	1	0.75mi
1305 Lakehurst Way Brandon, FL	4.0	2.0	2221	$2,550	$1.15	5d	1	0.88mi
1904 Firethorn Ct Brandon, FL	3.0	2.0	1773	$2,095	$1.18	23d	1	0.90mi
1904 Firethorn Ct Brandon, FL	3.0	2.0	1773	$2,095	$1.18	18d	1	0.90mi
1010 Summer Breeze Dr Brandon, FL	3.0	2.0	1545	$2,250	$1.46	1d	1	0.98mi
826 Milano Cir Brandon, FL	1.0–3.0	1.0–2.0	1048	$2,029	$1.94	1d	16	0.98mi
3812 Pinedale St Brandon, FL	4.0	2.0	1586	$2,295	$1.45	19d	1	1.02mi
5701 Summerall Vista Cir Riverview, FL	1.0–3.0	1.0–2.0	1071	$2,898	$2.71	1d	26	1.02mi
609 Princeton St Brandon, FL	4.0	2.0	1681	$2,150	$1.28	26d	1	1.05mi
6623 Summer Haven Dr Riverview, FL	4.0	2.0	1337	$2,300	$1.72	25d	1	1.08mi
3818 Southview Dr Brandon, FL	3.0	2.0	1373	$2,245	$1.64	26d	1	1.08mi
602 Pine Forest Dr Brandon, FL	3.0	2.0	1450	$2,595	$1.79	26d	1	1.10mi
6637 Summer Haven Dr Riverview, FL	4.0	2.0	1534	$2,280	$1.49	26d	1	1.10mi
924 Ridge Haven Dr Brandon, FL	4.0	2.0	1956	$2,700	$1.38	6d	1	1.12mi
924 Ridge Haven Dr Brandon, FL	4.0	2.0	1956	$2,700	$1.38	26d	1	1.12mi
6708 Summer Haven Dr Riverview, FL	3.0	2.0	1330	$2,080	$1.56	0d	1	1.12mi
622 Breezeway Ct Brandon, FL	4.0	2.5	1854	$2,300	$1.24	5d	1	1.12mi
6923 Summer Harbor Ln Riverview, FL	3.0	2.0	1314	$1,960	$1.49	6d	1	1.16mi
6719 Summer Cove Dr Riverview, FL	3.0	2.0	1298	$2,240	$1.73	6d	1	1.18mi
6713 Summer Cove Dr Riverview, FL	3.0	2.0	1298	$2,170	$1.67	1d	1	1.20mi
10650 Mystic Seafloor Dr Riverview, FL	1.0–3.0	1.0–2.0	1049	$2,505	$2.39	1d	30	1.21mi
2202 Cattleman Dr Brandon, FL	3.0	2.0	1532	$2,441	$1.59	6d	1	1.23mi
1403 Scotch Pine Dr Brandon, FL	3.0	2.0	1825	$2,726	$1.49	15d	1	1.23mi
1540 Chepacket St Brandon, FL	3.0	2.0	1417	$2,220	$1.57	26d	1	1.25mi
10840 Johanna Ave Riverview, FL	3.0	2.5	1477	$1,950	$1.32	26d	1	1.32mi
6339 Osprey Lake Cir Riverview, FL	3.0	3.0	1412	$2,000	$1.42	26d	1	1.32mi
1434 Hatcher Loop Dr Brandon, FL	4.0	2.0	1885	$2,795	$1.48	1d	1	1.33mi
10831 Johanna Ave Riverview, FL	4.0	3.0	1708	$2,200	$1.29	16d	1	1.35mi
1413 Tiverton Dr Brandon, FL	3.0	2.0	1303	$2,200	$1.69	19d	1	1.36mi
1505 Scotch Pine Dr Brandon, FL	3.0	2.0	1660	$2,295	$1.38	17d	1	1.36mi
10854 Lake Saint Charles Blvd Riverview, FL	3.0	2.5	1544	$1,950	$1.26	23d	1	1.36mi

Listing history 3 events

1. 2026-06-21
   days on market $5,000 Active 3 DOM
2. 2026-06-18
   remarks 288-char remark
3. 2026-06-18
   listed $5,000 Active 1 DOM

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

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 ≥109°F today · 27 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: $28,501
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$25
• − Repairs & maintenance: −$2,280
• − Management: −$2,280
• − Depreciation: −$145
• Taxable income: $23,416
• Est. tax owed @ 24.0%: −$5,620
• After-tax cash flow: $16,482/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): 60,651
• Household income: $85,921
• Rent vs Own: 41.4% rent · 58.6% own
• Severe rent burden: 3063.0

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 0.69)
• Race & ethnicity: White 43% Hispanic / Latino 26% Black 23% Two or more races 17% Asian 3%
• Hispanic origin (detail): Mexican 4% Puerto Rican 8% Cuban 3% Dominican 4%
• Common ancestry: Romanian 3% Hispanic 3% Lithuanian 2%
• Foreign-born: 14% · Canada, Jamaica, China
• Languages at home: 73% English-only · Spanish 19% French/Haitian/Cajun 3% Other Indo-European 2%

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: ▼ -48.42%
• Current HPI: 326.0368
• Rent YoY: ▼ -0.95%
• 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

-92.9% since first listed

6 events — show timeline

• 2026-06-18 Listed $5,000 NFMLS
• 2002-11-16 Sold (Public Records) $140,000 Public Records
• 1997-11-25 Sold (Public Records) $90,300 Public Records
• 1991-11-01 Sold (Public Records) $90,000 Public Records
• 1987-07-01 Sold (Public Records) $79,000 Public Records
• 1984-05-01 Sold (Public Records) $70,000 Public Records

Property tax history

+3.5%/yr

Latest (2025): $2,005 · +9.2% YoY. Source: county tax records.