4618 W Pearl Ave · Tampa, FL 33611

$335,000

4 bd · 2.0 ba · 1,948 sqft · SingleFamily public records · 72 Days on market

Built 1969 8,600 sqft lot

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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 +18.1/30.0
• ARV discount +7.5/15.0
• 1% rule +5.9/10.0
• DSCR +5.7/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. Short Sale. Motivated seller! Prime redevelopment opportunity in the heart of South Tampa—Property is a short sale and being sold As Is. City is indicating that this property was not properly permitted previously and should be a 2 bed 1 bath home. There is approx. 900 square feet of living space that was not permitted. This property features a welcoming covered front porch and an open-concept layout, the home is designed for both comfortable living and effortless entertaining. The updated kitchen is equipped with stainless steel appliances, Quartz countertops, and solid wood cabinetry, all flowing seamlessly into the main living and designated dining areas. Laminate flooring runs throughout the main living areas of the home, providing a clean and cohesive feel. A desirable split floor plan ensures privacy, with the spacious primary suite offering a walk-in closet and an ensuite bath complete with dual sinks and a walk-in shower. Additional bedrooms are generously sized, while a large laundry room adds everyday convenience. Step outside to a private backyard retreat featuring a pool that needs some attention and open entertaining space with the potential for relaxing or hosting gatherings year-round. Ideally located near Gandy Blvd, just minutes from the Westshore Marina District, great schools, waterfront dining at Hula Bay Marina, shopping, and easy access to the Crosstown Expressway. Enjoy proximity to Bayshore Blvd, Hyde Park, Tampa International Airport, International Plaza, Raymond James Stadium, and speciality dining. An incredible opportunity to own in one of Tampa’s most sought-after areas—bring your vision and make it your own.

Key facts

• Covered front porch
• Solid wood cabinetry
• Quartz countertops

Tags

• COVERED FRONT PORCH
• UPDATED KITCHEN
• STAINLESS STEEL APPLIANCES
• QUARTZ COUNTERTOPS
• SOLID WOOD CABINETRY
• PRIVATE BACKYARD RETREAT

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $335k.

Deal economics

• At list price, monthly cash flow is $-133 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $312k (7.0% below list).
• Meets the 1% rule at list price ($4k rent vs $335k).
• Recommended offer: $312k (7.0% below list) — sets the bar for cash-flow.

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: schools C-, 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.
• Market conditions: Rents flat; 416 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d 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).
• At $3,658/mo this rent would consume 48% of the median local household income ($91k/yr) (locally 1761% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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 72 days — a 6% lower offer ($315k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 16y ago; this cycle's ask has dropped $114k (25%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price; 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→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $311,505 (7.0% 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 72 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
3. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
5. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. 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?
9. 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.
10. 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.
11. 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: 1.09% ✓
• Cap rate: 7.34%
• Cash-on-cash: 3.76%
• DSCR: 1.17
• GRM: 7.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.69% rent growth · sell at horizon

5-year hold

• IRR: -22.4%
• Equity multiple: 0.25×
• Total profit: $-70,576
• Equity at exit: $49,950

10-year hold

• IRR: -26.5%
• Equity multiple: -0.10×
• Total profit: $-102,930
• Equity at exit: $28,965

Cash invested: $93,800 (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 33611

• Rents YoY: 0.7%
• Active inventory: 416
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $3,658 high
• Mortgage (P&I): −$1,757
• Tax from tax record: −$700 /mo · $8,397/yr
• Insurance: −$140
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$768
• Net cashflow: $-133

Break-even live

Break-even rent $3,826

Max offer price $311,505

Occupancy floor 99%

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: $83,750
• Closing costs: $10,050
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4539 Bay Spring Ct Tampa, FL	3.0	3.5	1826	$2,650	$1.45	2d	1	0.17mi
4539 Bay Spring Ct Tampa, FL	3.0	2.5	1826	$2,800	$1.53	24d	1	0.17mi
4708 W Oklahoma Ave Tampa, FL	3.0	2.0	1472	$3,500	$2.38	24d	1	0.23mi
4511 Legacy Park Dr Tampa, FL	3.0	3.5	1826	$2,650	$1.45	24d	1	0.23mi
5350 Bridge St Tampa, FL	1.0–3.0	1.0–2.0	1092	$3,709	$3.40	1d	12	0.30mi
5823 Bowen Daniel Dr Tampa, FL	3.0	3.0	2150	$7,000	$3.26	24d	1	0.37mi
5823 Bowen Daniel Dr Tampa, FL	3.0	2.5–3.0	2150	$7,000	$3.26	4d	2	0.38mi
4810 W McElroy Ave #1 Tampa, FL	3.0	3.5	1912	$4,100	$2.14	10d	1	0.42mi
5351 Bridge St #16 Tampa, FL	4.0	3.5	2524	$5,800	$2.30	4d	1	0.43mi
5001 Bridge St Tampa, FL	3.0	1.0–2.0	1005	$3,477	$3.46	2d	10	0.43mi
4931 W Paul Ave #5 Tampa, FL	3.0	3.5	2210	$5,000	$2.26	4d	1	0.44mi
5908 S Manhattan Ave Tampa, FL	5.0	3.5	2357	$4,228	$1.79	4d	1	0.54mi
5125 W Tyson Ave Unit 3TH Tampa, FL	3.0	2.5	1564	$5,538	$3.54	24d	1	0.56mi
4611 W Villa Rosa St Tampa, FL	3.0	2.0	1601	$3,300	$2.06	17d	1	0.56mi
6030 Printery St #104 Tampa, FL	4.0	2.5	1884	$3,995	$2.12	21d	1	0.57mi
6030 Printery St #104 Tampa, FL	4.0	3.5	1884	$3,995	$2.12	24d	1	0.57mi
5127 W Tyson Ave Tampa, FL	3.0	1.0–2.5	1078	$5,639	$5.23	4d	25	0.58mi
6207 S West Shore Blvd Tampa, FL	3.0	1.0–2.0	1076	$4,833	$4.49	1d	36	0.60mi
4731 W Montgomery Ave Tampa, FL	4.0	2.0	1480	$3,650	$2.47	24d	1	0.63mi
4109 W Wallace Ave Tampa, FL	3.0	1.5	1345	$2,500	$1.86	24d	1	0.65mi
4608 S Shamrock Rd Tampa, FL	3.0	2.0	1550	$4,395	$2.84	3d	1	0.67mi
4104 W Leila Ave Tampa, FL	3.0	2.0	1381	$2,650	$1.92	17d	1	0.69mi
4104 W Leila Ave Tampa, FL	3.0	2.0	1381	$2,750	$1.99	24d	1	0.69mi
4715 W Coachman Ave Tampa, FL	3.0	2.0	1275	$3,000	$2.35	17d	1	0.75mi
5301 W Tyson Ave Tampa, FL	1.0–3.0	1.0–2.0	1176	$5,235	$4.45	1d	190	0.79mi
4112 Ohio Ave Tampa, FL	4.0	2.0	1273	$3,150	$2.47	4d	1	0.80mi
5145 S Dale Mabry Hwy Tampa, FL	3.0	1.0–2.0	1057	$3,894	$3.68	3d	20	0.82mi
4514 S Shamrock Rd Tampa, FL	3.0	2.0	1742	$3,300	$1.89	24d	1	0.83mi
4111 W Montgomery Ter Tampa, FL	5.0	2.0	1913	$3,300	$1.73	24d	1	0.88mi
4505 S Gaines Rd Tampa, FL	3.0	2.0	1410	$2,600	$1.84	12d	1	0.89mi
3905 W Paxton Ave Tampa, FL	4.0	3.0	1933	$3,695	$1.91	4d	1	0.94mi
4421 Gandy Cir Tampa, FL	4.0	2.0	1540	$3,580	$2.32	24d	1	0.95mi
4011 W Marietta St Tampa, FL	3.0	2.0	1356	$2,000	$1.47	21d	1	1.00mi
4409 W Varn Ave Tampa, FL	5.0	3.0	1614	$2,500	$1.55	24d	1	1.01mi
5442 W Tyson Ave Unit 3 Tampa, FL	3.0	2.0	1516	$4,168	$2.75	24d	1	1.03mi
4746 W Anita Blvd Tampa, FL	4.0	2.0	1360	$2,900	$2.13	17d	1	1.05mi
6501 S West Shore Blvd Tampa, FL	1.0–3.0	1.0–2.0	980	$2,389	$2.44	2d	16	1.07mi
4325 S Coolidge Ave Tampa, FL	3.0	1.0	1351	$2,700	$2.00	20d	1	1.12mi
4325 S Coolidge Ave Tampa, FL	3.0	1.0	1351	$2,700	$2.00	14d	1	1.12mi
4516 S Hale Ave Tampa, FL	3.0	2.0	1527	$1,400	$0.92	12d	1	1.13mi

Listing history 32 events

1. 2026-04-29
   price $335,000 1730-char remark

   Show marketing remark (1730 chars)

   One or more photo(s) has been virtually staged. Short Sale. Motivated seller! Prime redevelopment opportunity in the heart of South Tampa—Property is a short sale and being sold As Is. City is indicating that this property was not properly permitted previously and should be a 2 bed 1 bath home. There is approx. 900 square feet of living space that was not permitted. This property features a welcoming covered front porch and an open-concept layout, the home is designed for both comfortable living and effortless entertaining. The updated kitchen is equipped with stainless steel appliances, Quartz countertops, and solid wood cabinetry, all flowing seamlessly into the main living and designated dining areas. Laminate flooring runs throughout the main living areas of the home, providing a clean and cohesive feel. A desirable split floor plan ensures privacy, with the spacious primary suite offering a walk-in closet and an ensuite bath complete with dual sinks and a walk-in shower. Additional bedrooms are generously sized, while a large laundry room adds everyday convenience. Step outside to a private backyard retreat featuring a pool that needs some attention and open entertaining space with the potential for relaxing or hosting gatherings year-round. Ideally located near Gandy Blvd, just minutes from the Westshore Marina District, great schools, waterfront dining at Hula Bay Marina, shopping, and easy access to the Crosstown Expressway. Enjoy proximity to Bayshore Blvd, Hyde Park, Tampa International Airport, International Plaza, Raymond James Stadium, and speciality dining. An incredible opportunity to own in one of Tampa’s most sought-after areas—bring your vision and make it your own.

2. 2026-04-22
   price $345,000 1730-char remark

   Show marketing remark (1730 chars)

   One or more photo(s) has been virtually staged. Short Sale. Motivated seller! Prime redevelopment opportunity in the heart of South Tampa—Property is a short sale and being sold As Is. City is indicating that this property was not properly permitted previously and should be a 2 bed 1 bath home. There is approx. 900 square feet of living space that was not permitted. This property features a welcoming covered front porch and an open-concept layout, the home is designed for both comfortable living and effortless entertaining. The updated kitchen is equipped with stainless steel appliances, Quartz countertops, and solid wood cabinetry, all flowing seamlessly into the main living and designated dining areas. Laminate flooring runs throughout the main living areas of the home, providing a clean and cohesive feel. A desirable split floor plan ensures privacy, with the spacious primary suite offering a walk-in closet and an ensuite bath complete with dual sinks and a walk-in shower. Additional bedrooms are generously sized, while a large laundry room adds everyday convenience. Step outside to a private backyard retreat featuring a pool that needs some attention and open entertaining space with the potential for relaxing or hosting gatherings year-round. Ideally located near Gandy Blvd, just minutes from the Westshore Marina District, great schools, waterfront dining at Hula Bay Marina, shopping, and easy access to the Crosstown Expressway. Enjoy proximity to Bayshore Blvd, Hyde Park, Tampa International Airport, International Plaza, Raymond James Stadium, and speciality dining. An incredible opportunity to own in one of Tampa’s most sought-after areas—bring your vision and make it your own.

3. 2026-04-17
   price $369,000 1730-char remark

   Show marketing remark (1730 chars)

   One or more photo(s) has been virtually staged. Short Sale. Motivated seller! Prime redevelopment opportunity in the heart of South Tampa—Property is a short sale and being sold As Is. City is indicating that this property was not properly permitted previously and should be a 2 bed 1 bath home. There is approx. 900 square feet of living space that was not permitted. This property features a welcoming covered front porch and an open-concept layout, the home is designed for both comfortable living and effortless entertaining. The updated kitchen is equipped with stainless steel appliances, Quartz countertops, and solid wood cabinetry, all flowing seamlessly into the main living and designated dining areas. Laminate flooring runs throughout the main living areas of the home, providing a clean and cohesive feel. A desirable split floor plan ensures privacy, with the spacious primary suite offering a walk-in closet and an ensuite bath complete with dual sinks and a walk-in shower. Additional bedrooms are generously sized, while a large laundry room adds everyday convenience. Step outside to a private backyard retreat featuring a pool that needs some attention and open entertaining space with the potential for relaxing or hosting gatherings year-round. Ideally located near Gandy Blvd, just minutes from the Westshore Marina District, great schools, waterfront dining at Hula Bay Marina, shopping, and easy access to the Crosstown Expressway. Enjoy proximity to Bayshore Blvd, Hyde Park, Tampa International Airport, International Plaza, Raymond James Stadium, and speciality dining. An incredible opportunity to own in one of Tampa’s most sought-after areas—bring your vision and make it your own.

4. 2026-04-10
   price $399,000 1730-char remark

   Show marketing remark (1730 chars)

   One or more photo(s) has been virtually staged. Short Sale. Motivated seller! Prime redevelopment opportunity in the heart of South Tampa—Property is a short sale and being sold As Is. City is indicating that this property was not properly permitted previously and should be a 2 bed 1 bath home. There is approx. 900 square feet of living space that was not permitted. This property features a welcoming covered front porch and an open-concept layout, the home is designed for both comfortable living and effortless entertaining. The updated kitchen is equipped with stainless steel appliances, Quartz countertops, and solid wood cabinetry, all flowing seamlessly into the main living and designated dining areas. Laminate flooring runs throughout the main living areas of the home, providing a clean and cohesive feel. A desirable split floor plan ensures privacy, with the spacious primary suite offering a walk-in closet and an ensuite bath complete with dual sinks and a walk-in shower. Additional bedrooms are generously sized, while a large laundry room adds everyday convenience. Step outside to a private backyard retreat featuring a pool that needs some attention and open entertaining space with the potential for relaxing or hosting gatherings year-round. Ideally located near Gandy Blvd, just minutes from the Westshore Marina District, great schools, waterfront dining at Hula Bay Marina, shopping, and easy access to the Crosstown Expressway. Enjoy proximity to Bayshore Blvd, Hyde Park, Tampa International Airport, International Plaza, Raymond James Stadium, and speciality dining. An incredible opportunity to own in one of Tampa’s most sought-after areas—bring your vision and make it your own.

5. 2026-03-18
   listed $449,000 Active 1730-char remark

   Show marketing remark (1730 chars)

   One or more photo(s) has been virtually staged. Short Sale. Motivated seller! Prime redevelopment opportunity in the heart of South Tampa—Property is a short sale and being sold As Is. City is indicating that this property was not properly permitted previously and should be a 2 bed 1 bath home. There is approx. 900 square feet of living space that was not permitted. This property features a welcoming covered front porch and an open-concept layout, the home is designed for both comfortable living and effortless entertaining. The updated kitchen is equipped with stainless steel appliances, Quartz countertops, and solid wood cabinetry, all flowing seamlessly into the main living and designated dining areas. Laminate flooring runs throughout the main living areas of the home, providing a clean and cohesive feel. A desirable split floor plan ensures privacy, with the spacious primary suite offering a walk-in closet and an ensuite bath complete with dual sinks and a walk-in shower. Additional bedrooms are generously sized, while a large laundry room adds everyday convenience. Step outside to a private backyard retreat featuring a pool that needs some attention and open entertaining space with the potential for relaxing or hosting gatherings year-round. Ideally located near Gandy Blvd, just minutes from the Westshore Marina District, great schools, waterfront dining at Hula Bay Marina, shopping, and easy access to the Crosstown Expressway. Enjoy proximity to Bayshore Blvd, Hyde Park, Tampa International Airport, International Plaza, Raymond James Stadium, and speciality dining. An incredible opportunity to own in one of Tampa’s most sought-after areas—bring your vision and make it your own.

6. 2023-05-25
   soldstatus $540,000
7. 2023-05-19
   soldstatus $540,000 Closed 351-char remark

   Show marketing remark (351 chars)

   * * Seller offering $5K credit for closing cost assistance/rate buy down * * Welcome Home! This POOL HOME has 4 bedrooms, 2 bathrooms and has recently received a much needed makeover! Upgrades include: NEW Quartz, NEW Cabinets, NEW Luxury Vinyl Plank Flooring, NEW Stainless Steel Appliances, NEW Light Fixters. New Roof in 2018 and new A/C in 2020

8. 2023-05-01
   status Pending 351-char remark

   Show marketing remark (351 chars)

   * * Seller offering $5K credit for closing cost assistance/rate buy down * * Welcome Home! This POOL HOME has 4 bedrooms, 2 bathrooms and has recently received a much needed makeover! Upgrades include: NEW Quartz, NEW Cabinets, NEW Luxury Vinyl Plank Flooring, NEW Stainless Steel Appliances, NEW Light Fixters. New Roof in 2018 and new A/C in 2020

9. 2023-04-13
   price $547,800 351-char remark

   Show marketing remark (351 chars)

   * * Seller offering $5K credit for closing cost assistance/rate buy down * * Welcome Home! This POOL HOME has 4 bedrooms, 2 bathrooms and has recently received a much needed makeover! Upgrades include: NEW Quartz, NEW Cabinets, NEW Luxury Vinyl Plank Flooring, NEW Stainless Steel Appliances, NEW Light Fixters. New Roof in 2018 and new A/C in 2020

10. 2023-03-21
    price $548,800 351-char remark

    Show marketing remark (351 chars)

    * * Seller offering $5K credit for closing cost assistance/rate buy down * * Welcome Home! This POOL HOME has 4 bedrooms, 2 bathrooms and has recently received a much needed makeover! Upgrades include: NEW Quartz, NEW Cabinets, NEW Luxury Vinyl Plank Flooring, NEW Stainless Steel Appliances, NEW Light Fixters. New Roof in 2018 and new A/C in 2020

11. 2023-02-02
    price $549,800 351-char remark

    Show marketing remark (351 chars)

    * * Seller offering $5K credit for closing cost assistance/rate buy down * * Welcome Home! This POOL HOME has 4 bedrooms, 2 bathrooms and has recently received a much needed makeover! Upgrades include: NEW Quartz, NEW Cabinets, NEW Luxury Vinyl Plank Flooring, NEW Stainless Steel Appliances, NEW Light Fixters. New Roof in 2018 and new A/C in 2020

12. 2023-01-11
    listed $549,900 Active 351-char remark

    Show marketing remark (351 chars)

    * * Seller offering $5K credit for closing cost assistance/rate buy down * * Welcome Home! This POOL HOME has 4 bedrooms, 2 bathrooms and has recently received a much needed makeover! Upgrades include: NEW Quartz, NEW Cabinets, NEW Luxury Vinyl Plank Flooring, NEW Stainless Steel Appliances, NEW Light Fixters. New Roof in 2018 and new A/C in 2020

13. 2022-11-16
    price $549,000
14. 2022-10-24
    price $585,000
15. 2022-10-14
    price $599,000
16. 2022-10-13
    listed $59,900 Active
17. 2022-10-06
    historical
18. 2022-08-31
    price $589,900
19. 2022-07-26
    price $594,000
20. 2022-07-09
    listed $599,000 Active
21. 2022-05-10
    soldstatus $410,000
22. 2022-04-28
    soldstatus $380,000
23. 2022-03-25
    soldstatus $348,000
24. 2022-03-09
    soldstatus $315,000
25. 2017-06-16
    soldstatus $175,000
26. 2017-06-14
    soldstatus $175,000 Sold
27. 2017-05-03
    status Pending
28. 2017-04-25
    price $189,777
29. 2017-03-14
    price $204,777
30. 2017-02-03
    listed $214,900 Active
31. 2011-04-04
    historical
32. 2010-10-18
    listed $149,000

ⓘ 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: $8,397 · $700/mo
• Projected year-2 tax: $8,397 · $700/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 · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $43,894
• − Mortgage interest: −$18,765
• − Property taxes: −$8,397
• − Insurance: −$6,794
• − Repairs & maintenance: −$3,512
• − Management: −$3,512
• − Depreciation: −$9,745
• Taxable loss: −$6,831
• Est. tax savings @ 24.0%: +$1,639
• After-tax cash flow: $43/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): 36,810
• Household income: $90,910
• Rent vs Own: 46.3% rent · 53.7% own
• Severe rent burden: 1761.0

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: Predominantly White (70%)
• Race & ethnicity: White 70% Hispanic / Latino 14% Two or more races 12% Black 5% Asian 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Cuban 4%
• Common ancestry: Romanian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 12% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 7% Other Indo-European 2% Vietnamese 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: ▼ -328.23%
• Current HPI: 374.7996
• Rent YoY: ▲ 0.69%
• 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

+124.8% since first listed

32 events — show timeline

• 2026-04-29 Price Changed $335,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-22 Price Changed $345,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-17 Price Changed $369,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-10 Price Changed $399,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-18 Listed $449,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-25 Sold (Public Records) $540,000 Public Records
• 2023-05-19 Sold (MLS) $540,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-04-13 Price Changed $547,800 Stellar MLS as Distributed by MLS Grid
• 2023-03-21 Price Changed $548,800 Stellar MLS as Distributed by MLS Grid
• 2023-02-02 Price Changed $549,800 Stellar MLS as Distributed by MLS Grid
• 2023-01-11 Listed $549,900 Stellar MLS as Distributed by MLS Grid
• 2022-11-16 Price Changed $549,000 Stellar MLS as Distributed by MLS Grid
• 2022-10-24 Price Changed $585,000 Stellar MLS as Distributed by MLS Grid
• 2022-10-14 Price Changed $599,000 Stellar MLS as Distributed by MLS Grid
• 2022-10-13 Listed $59,900 Stellar MLS as Distributed by MLS Grid
• 2022-10-06 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2022-08-31 Price Changed $589,900 Stellar MLS as Distributed by MLS Grid
• 2022-07-26 Price Changed $594,000 Stellar MLS as Distributed by MLS Grid
• 2022-07-09 Listed $599,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-10 Sold (Public Records) $410,000 Public Records
• 2022-04-28 Sold (Public Records) $380,000 Public Records
• 2022-03-25 Sold (Public Records) $348,000 Public Records
• 2022-03-09 Sold (Public Records) $315,000 Public Records
• 2017-06-16 Sold (Public Records) $175,000 Public Records
• 2017-06-14 Sold (MLS) $175,000 Stellar MLS as Distributed by MLS Grid
• 2017-05-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-04-25 Price Changed $189,777 Stellar MLS as Distributed by MLS Grid
• 2017-03-14 Price Changed $204,777 Stellar MLS as Distributed by MLS Grid
• 2017-02-03 Listed $214,900 Stellar MLS as Distributed by MLS Grid
• 2011-04-04 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-10-18 Listed $149,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+18.9%/yr

Latest (2025): $8,397 · +3.1% YoY. Source: county tax records.