3173 Silver Date Dr · Wimauma, FL 33598

$315,000

4 bd · 2.0 ba · 1,846 sqft · SingleFamily public records · 62 Days on market

Built 2024 6,000 sqft lot $8/mo HOA ↓ 13% 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 +10.3/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• Appreciation +3.8/10.0
• 1% rule +3.4/10.0
• Livability +3.2/5.0
• DSCR +3.0/10.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0

Listing remarks MLS

New Cali Model DR Horton 4 bedroom 2 bath.

Key facts

• Open-concept kitchen
• Granite countertops
• Walk-in pantry

Tags

• OPEN-CONCEPT KITCHEN
• COVERED OUTDOOR LANAI
• WELL-APPOINTED KITCHEN
• GRANITE COUNTERTOPS
• WALK-IN PANTRY
• CERAMIC TILE FLOORING

Property features AI

Finance

• Other: Irrigation equipment installed; Community development district (CDD) present
• Financial info: Lease restrictions apply
• HOA & community: HOA managed by Inframark - Rollamay Turkoane; Mandatory association with annual fee ($96) — $8/month equivalent; Association approval required; HOA covers pool and recreational facilities; Community amenities include clubhouse, pool, playground, basketball and pickleball courts, dog park, recreation facilities, sidewalks and street lights; Pets allowed

Exterior

• Parking: Attached 2-car garage (20 x 20) with garage door opener; Driveway
• Security: Closed-circuit cameras; Smoke detectors
• Utilities: Public water; Public sewer; Electricity connected; Underground utilities; Cable available; Fiber optics available; Phone available; High-speed internet / broadband available; Water connected; Sewer connected
• Home design: Single-family residence; One level; Southeast facing; Property completed and homestead eligible; Planned unit development
• Construction: Block, stone and stucco construction; Shingle roof; Block foundation; Built by DR Horton (model: Cali)
• Exterior features: Covered patio; Porch; Screened porch; Hurricane shutters; Sidewalks; Vinyl fencing; Mature landscaping with trees

Interior

• Kitchen: Dishwasher; Garbage disposal; Microwave; Range; Refrigerator; Water filtration system; Water softener
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric, heat pump); Central air
• Interior features: Ceiling fans; In-wall pest system; Open floorplan; Split-bedroom layout; Stone counters; Thermostat; Walk-in closets; Blinds on windows
• Laundry & utility: Inside laundry room with washer and electric dryer hookups; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $315k.

Deal economics

• At list price, monthly cash flow is $-173 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $284k (9.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $266k (15.5% below list).
• Recommended offer: $266k (15.5% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 4.5% in Wimauma — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 64/100 on livability (#699 in FL) — a middle-class / working-renter tenant base. Strengths: commute A, cost of living A-, crime B; Watch: amenities F, employment D-, health & safety 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: Reddick Elementary School (math 34% / reading 29%, grade F, #1,841 of 2,144 statewide, top 86%, 794 students, 78% FRL); Shields Middle School (math 29% / reading 27%, grade F, #486 of 571 statewide, top 86%, 1,867 students, 68% FRL); Jule F Sumner High School (math 43% / reading 43%, grade F, #255 of 667 statewide, top 39%, 3,827 students, 43% FRL).
• Zoned-school proficiency averages 34% at this address vs 48% district-wide (-14 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 (-2.5%/yr); 689 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 26d 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 ($98k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-2.4%/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 62 days — a 6% lower offer ($296k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $20k (6%) 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→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $266,024 (15.5% 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 62 days. Have you received any prior offers? Is the seller open to a 16% 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 F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 5.63%
• Cash-on-cash: -2.35%
• DSCR: 0.90
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-2.35% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -19.0%
• Equity multiple: 0.31×
• Total profit: $-61,056
• Equity at exit: $56,219

10-year hold

• IRR: -17.7%
• Equity multiple: -0.01×
• Total profit: $-89,451
• Equity at exit: $43,396

Cash invested: $88,200 (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 33598

• Home prices YoY: -0.9%
• Rents YoY: -2.5%
• Active inventory: 689
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,660 high
• Mortgage (P&I): −$1,652
• Tax from tax record: −$483 /mo · $5,800/yr
• Insurance: −$131
• HOA: −$8
• Vacancy / Maint / Mgmt: −$559
• Net cashflow: $-173

Break-even live

Break-even rent $2,879

Max offer price $284,455

Occupancy floor —

Sensitivity live

Price	-10% $5	-5% $-84	+0% $-173	+5% $-262	+10% $-351
Rent	-10% $-383	-5% $-278	+0% $-173	+5% $-68	+10% $37
Rate	-1.0pp $-14	-0.5pp $-93	base $-173	+0.5pp $-255	+1.0pp $-338

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: $78,750
• Closing costs: $9,450
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3160 Oyster Cove St Wimauma, FL	4.0	2.5	1925	$2,350	$1.22	25d	1	0.46mi
5554 Blue Azure Dr Wimauma, FL	3.0	2.0	1484	$2,000	$1.35	26d	1	0.56mi
5517 Blue Azure Dr Wimauma, FL	4.0	2.0	1841	$2,450	$1.33	26d	1	0.57mi
5517 Blue Azure Dr Wimauma, FL	4.0	2.0	1841	$2,450	$1.33	16d	1	0.57mi
5514 Blue Azure Dr Wimauma, FL	3.0	2.0	1540	$2,199	$1.43	1d	1	0.60mi

HOA detail

• Monthly dues: $8 · $96/yr

Listing history 6 events

1. 2026-05-01
   status Pending
2. 2026-04-28
   price $315,000
3. 2026-04-13
   price $325,000
4. 2026-02-28
   listed $335,000 Active
5. 2024-06-27
   soldstatus $361,990 42-char remark

   Show marketing remark (42 chars)

   New Cali Model DR Horton 4 bedroom 2 bath.

6. 2024-06-27
   listed $361,990 42-char remark

   Show marketing remark (42 chars)

   New Cali Model DR Horton 4 bedroom 2 bath.

ⓘ 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: $5,800 · $483/mo
• Projected year-2 tax: $5,800 · $483/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 · 28 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: $31,923
• − Mortgage interest: −$17,645
• − Property taxes: −$5,800
• − Insurance: −$1,575
• − Repairs & maintenance: −$2,554
• − Management: −$2,554
• − HOA: −$96
• − Depreciation: −$9,164
• Taxable loss: −$7,465
• Est. tax savings @ 24.0%: +$1,791
• After-tax cash flow: $-283/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 — Wimauma

• Score: 64/100
• State rank: #699
• US rank: #14659

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wimauma, FL
• County: Hillsborough County · 1,540,968 people
• City population: 32,820
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 32,820
• Household income: $97,520
• Rent vs Own: 12.8% rent · 87.2% own
• Severe rent burden: 149.0

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 0.67)
• Race & ethnicity: White 40% Hispanic / Latino 39% Black 14% Two or more races 11% Asian 2%
• Hispanic origin (detail): Mexican 26% Puerto Rican 3% Cuban 1%
• Common ancestry: Romanian 2% Scotch-Irish 2% Lithuanian 1%
• Foreign-born: 23% · Canada, Jamaica, Guatemala
• Languages at home: 62% English-only · Spanish 35% Other Indo-European 1% Arabic 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: ▼ -2.35%
• Current HPI: 271.8552
• Rent YoY: ▼ -2.50%
• 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

-13.0% since first listed

6 events — show timeline

• 2026-05-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Price Changed $315,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-13 Price Changed $325,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-28 Listed $335,000 Stellar MLS as Distributed by MLS Grid
• 2024-06-27 Listed $361,990 Stellar MLS as Distributed by MLS Grid
• 2024-06-27 Sold (MLS) $361,990 Stellar MLS as Distributed by MLS Grid

Property tax history

+23.0%/yr

Latest (2025): $5,800 · +23.3% YoY. Source: county tax records.