7727 39th Ave N · St. Petersburg, FL 33709

$136,000

1 bd · 1.0 ba · 630 sqft · Condo public records · 244 Days on market

Built 1970 $384/mo HOA · 25% of rent

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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 +10.9/30.0
• ARV discount +7.5/15.0
• 1% rule +6.1/10.0
• Schools +4.3/10.0
• DSCR +3.2/10.0
• Rent growth +2.7/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

* * HUGE PRICE IMPROVEMENT!! * * Take advntage of this tremendous value in St. Pete and schedule your showing today! This adorable 55 and up villa features 1 bedroom 1 bathroom plus a bonus room that makes the perfect guest bedroom. The residence comes fully furnished with brand new vinyl plank flooring, newer washer/dryer and recently updated central air and fridge. A new roof was installed in 2019. The Tyrone Villas Community is well maintained and quiet with friendly neighbors. Whether you're taking a dip in the pool, hanging out in the clubhouse or challenging your friends to a match of shuffleboard you will always have plenty of ways to entertain yourselves and guests. Nestled between world class beaches and vibrant downtown St. Pete, this location can't be beat. Come see it before its gone! Home is being sold fully furnished. Leasing and pets are not allowed.

Key facts

• Shuffleboard courts
• Bonus room
• Welcoming clubhouse

Tags

• BONUS ROOM
• TYRONE VILLAS COMMUNITY
• SPARKLING SWIMMING POOL
• WELCOMING CLUBHOUSE
• SHUFFLEBOARD COURTS

Property features AI

Finance

• Other: Association name: TYRONE VILLAS CONDOMINIUM - ASSOCIATION NO. 5
• Financial info: Total annual fees $4,608; Monthly condo fee $384
• HOA & community: HOA required (monthly fee $384); Association includes common area taxes, pool, escrow reserves fund, maintenance - structure and grounds, sewer, trash and water; Community clubhouse; Fitness center; Pool; Sidewalks; Senior community; No pets allowed

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Cable available; Natural gas connected
• Home design: Residential condominium; Single-story; Faces north; First floor unit
• Construction: Block construction; Other roof; Slab foundation; Built as a one-level structure
• Exterior features: Storage; Asphalt road access

Interior

• Kitchen: Convection oven; Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 1 bedroom
• Flooring: Ceramic tile; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Eat-in kitchen; Thermostat
• Laundry & utility: Washer hookup; Washer; Dryer; Gas water heater

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $136k.

Deal economics

• At list price, monthly cash flow is $-60 ($-724/yr) — negative.
• To cash-flow at today's rent, offer at most $125k (7.8% below list).
• Meets the 1% rule at list price ($2k rent vs $136k).
• Recommended offer: $120k (12.0% below list) — sets the bar for market timing.
• Cap rate 5.8% vs local median 2.6% in St. Petersburg — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents flat; 311 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 34% of the median local income ($54k/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 $940 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 244 days — a 12% lower offer ($120k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $13k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 25% of rent.
• 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 $119,680 (12.0% 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 244 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
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. 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?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.11% ✓
• Cap rate: 5.76%
• Cash-on-cash: -1.90%
• DSCR: 0.92
• GRM: 7.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.99% rent growth · sell at horizon

5-year hold

• IRR: -22.3%
• Equity multiple: 0.25×
• Total profit: $-28,657
• Equity at exit: $20,278

10-year hold

• IRR: -24.6%
• Equity multiple: -0.07×
• Total profit: $-40,814
• Equity at exit: $11,759

Cash invested: $38,080 (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 33709

• Rents YoY: 1.0%
• Active inventory: 311
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,508 high
• Mortgage (P&I): −$713
• Tax from tax record: −$97 /mo · $1,170/yr
• Insurance: −$57
• HOA: −$384
• Vacancy / Maint / Mgmt: −$317
• Net cashflow: $-60

Break-even live

Break-even rent $1,584

Max offer price $125,339

Occupancy floor 99%

Sensitivity live

Price	-10% $17	-5% $-22	+0% $-60	+5% $-99	+10% $-137
Rent	-10% $-179	-5% $-120	+0% $-60	+5% $-1	+10% $59
Rate	-1.0pp $8	-0.5pp $-26	base $-60	+0.5pp $-96	+1.0pp $-131

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: $34,000
• Closing costs: $4,080
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7801 34th Ave N #88 Saint Petersburg, FL	2.0	1.0	624	$1,400	$2.24	25d	1	0.26mi
7801 34th Ave N #88 Saint Petersburg, FL	2.0	1.0	624	$1,300	$2.08	3d	1	0.26mi
7317 46th Ave N Unit 4 St. Petersburg, FL	1.0	1.0	528	$1,200	$2.27	14d	1	0.60mi
4801 71st St N St Petersburg, FL	2.0	1.0	726	$1,900	$2.62	18d	1	0.79mi
4801 71st St N Saint Petersburg, FL	2.0	1.0	726	$1,900	$2.62	5d	1	0.79mi
7045 30th Ave N Saint Petersburg, FL	1.0–2.0	1.0–2.0	825	$1,225	$1.48	8d	1	0.80mi
6801 48th Ave N Unit B St. Petersburg, FL	1.0	1.0	650	$1,525	$2.35	25d	1	0.95mi
4701 68th St N Saint Petersburg, FL	1.0	1.0	700	$1,099	$1.57	25d	1	0.97mi
5140 70th St N Unit 3 St. Petersburg, FL	1.0	1.0	450	$1,200	$2.67	25d	1	0.98mi
5257 81st Ln N #6 Saint Petersburg, FL	1.0	1.0	745	$1,375	$1.85	25d	1	0.98mi
3556 66th St N St. Petersburg, FL	1.0	1.0	610	$1,300	$2.13	15d	1	0.99mi
6538 42nd Ave N Unit 7 Kenneth City, FL	2.0	1.0	648	$2,000	$3.09	25d	1	1.08mi
8800 Bay Pines Blvd #320 Saint Petersburg, FL	1.0	1.0	506	$2,200	$4.35	5d	1	1.10mi
5411 70th Ln N Saint Petersburg, FL	2.0	1.0	600	$1,800	$3.00	25d	1	1.14mi
3980 64th St N Saint Petersburg, FL	1.0–2.0	1.0–2.0	707	$1,350	$1.91	4d	6	1.22mi
6939 Stones Throw Cir N #6207 Saint Petersburg, FL	1.0	1.0	680	$1,595	$2.35	25d	1	1.28mi
6908 Stones Throw Cir N #10208 Saint Petersburg, FL	2.0	1.5	730	$1,900	$2.60	15d	1	1.36mi
6522 54th Ave N Saint Petersburg, FL	1.0–3.0	1.0–2.0	892	$1,300	$1.46	2d	10	1.39mi
1699 68th St N Saint Petersburg, FL	3.0	1.0–2.0	775	$1,661	$2.14	3d	43	1.47mi

HOA detail condo

• Monthly dues: $384 · $4,608/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 21 events

1. 2026-06-18
   days on market $136,000 Active 244 DOM
2. 2026-06-17
   days on market $136,000 Active 243 DOM
3. 2026-06-16
   days on market $136,000 Active 242 DOM
4. 2026-06-15
   days on market $136,000 Active 241 DOM
5. 2026-06-13
   days on market $136,000 Active 239 DOM
6. 2026-06-09
   days on market $136,000 Active 235 DOM
7. 2026-06-08
   days on market $136,000 Active 234 DOM
8. 2026-06-07
   days on market $136,000 Active 233 DOM
9. 2026-06-04
   days on market $136,000 Active 230 DOM
10. 2026-06-03
    days on market $136,000 Active 229 DOM
11. 2026-06-01
    days on market $136,000 Active 227 DOM
12. 2026-05-31
    days on market $136,000 Active 226 DOM
13. 2026-02-27
    price $136,000
14. 2025-10-31
    price $142,900
15. 2025-10-17
    listed $149,000 Active
16. 2023-07-28
    soldstatus $129,000
17. 2023-06-02
    soldstatus $129,000 Closed 884-char remark

    Show marketing remark (884 chars)

    * * HUGE PRICE IMPROVEMENT!! * * Take advntage of this tremendous value in St. Pete and schedule your showing today! This adorable 55 and up villa features 1 bedroom 1 bathroom plus a bonus room that makes the perfect guest bedroom. The residence comes fully furnished with brand new vinyl plank flooring, newer washer/dryer and recently updated central air and fridge. A new roof was installed in 2019. The Tyrone Villas Community is well maintained and quiet with friendly neighbors. Whether you're taking a dip in the pool, hanging out in the clubhouse or challenging your friends to a match of shuffleboard you will always have plenty of ways to entertain yourselves and guests. Nestled between world class beaches and vibrant downtown St. Pete, this location can't be beat. Come see it before its gone! Home is being sold fully furnished. Leasing and pets are not allowed.

18. 2023-05-01
    status Pending 884-char remark

    Show marketing remark (884 chars)

    * * HUGE PRICE IMPROVEMENT!! * * Take advntage of this tremendous value in St. Pete and schedule your showing today! This adorable 55 and up villa features 1 bedroom 1 bathroom plus a bonus room that makes the perfect guest bedroom. The residence comes fully furnished with brand new vinyl plank flooring, newer washer/dryer and recently updated central air and fridge. A new roof was installed in 2019. The Tyrone Villas Community is well maintained and quiet with friendly neighbors. Whether you're taking a dip in the pool, hanging out in the clubhouse or challenging your friends to a match of shuffleboard you will always have plenty of ways to entertain yourselves and guests. Nestled between world class beaches and vibrant downtown St. Pete, this location can't be beat. Come see it before its gone! Home is being sold fully furnished. Leasing and pets are not allowed.

19. 2023-04-27
    price $129,000 884-char remark

    Show marketing remark (884 chars)

    * * HUGE PRICE IMPROVEMENT!! * * Take advntage of this tremendous value in St. Pete and schedule your showing today! This adorable 55 and up villa features 1 bedroom 1 bathroom plus a bonus room that makes the perfect guest bedroom. The residence comes fully furnished with brand new vinyl plank flooring, newer washer/dryer and recently updated central air and fridge. A new roof was installed in 2019. The Tyrone Villas Community is well maintained and quiet with friendly neighbors. Whether you're taking a dip in the pool, hanging out in the clubhouse or challenging your friends to a match of shuffleboard you will always have plenty of ways to entertain yourselves and guests. Nestled between world class beaches and vibrant downtown St. Pete, this location can't be beat. Come see it before its gone! Home is being sold fully furnished. Leasing and pets are not allowed.

20. 2023-04-04
    listed $139,000 Active 884-char remark

    Show marketing remark (884 chars)

    * * HUGE PRICE IMPROVEMENT!! * * Take advntage of this tremendous value in St. Pete and schedule your showing today! This adorable 55 and up villa features 1 bedroom 1 bathroom plus a bonus room that makes the perfect guest bedroom. The residence comes fully furnished with brand new vinyl plank flooring, newer washer/dryer and recently updated central air and fridge. A new roof was installed in 2019. The Tyrone Villas Community is well maintained and quiet with friendly neighbors. Whether you're taking a dip in the pool, hanging out in the clubhouse or challenging your friends to a match of shuffleboard you will always have plenty of ways to entertain yourselves and guests. Nestled between world class beaches and vibrant downtown St. Pete, this location can't be beat. Come see it before its gone! Home is being sold fully furnished. Leasing and pets are not allowed.

21. 1991-02-26
    soldstatus $23,000

ⓘ 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: $1,170 · $97/mo
• Projected year-2 tax: $1,170 · $97/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 ≥107°F today · 27 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: $18,091
• − Mortgage interest: −$7,618
• − Property taxes: −$1,170
• − Insurance: −$680
• − Repairs & maintenance: −$1,447
• − Management: −$1,447
• − HOA: −$4,608
• − Depreciation: −$3,956
• Taxable loss: −$2,836
• Est. tax savings @ 24.0%: +$681
• After-tax cash flow: $-44/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: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — St. Petersburg

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Petersburg, FL
• County: Pinellas County · 939,478 people
• City population: 249,151
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 25,050
• Household income: $53,501
• Rent vs Own: 23.9% rent · 76.1% own
• Severe rent burden: 712.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 11% Two or more races 10% Black 5% Asian 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Cuban 2% Dominican 1%
• Common ancestry: Lithuanian 3% Romanian 3% Slovak 2%
• Foreign-born: 14% · Canada, Vietnam, Jamaica
• Languages at home: 84% English-only · Spanish 9% Other Indo-European 2% Vietnamese 2%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -416.74%
• Current HPI: 391.368
• Rent YoY: ▲ 0.99%
• 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

+491.3% since first listed

9 events — show timeline

• 2026-02-27 Price Changed $136,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-31 Price Changed $142,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-17 Listed $149,000 Stellar MLS as Distributed by MLS Grid
• 2023-07-28 Sold (Public Records) $129,000 Public Records
• 2023-06-02 Sold (MLS) $129,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-04-27 Price Changed $129,000 Stellar MLS as Distributed by MLS Grid
• 2023-04-04 Listed $139,000 Stellar MLS as Distributed by MLS Grid
• 1991-02-26 Sold (Public Records) $23,000 Public Records

Property tax history

+6.8%/yr

Latest (2025): $1,170 · -4.3% YoY. Source: county tax records.