6000 Bahia Del Mar Cir #134 · St. Petersburg, FL 33715

$289,000

2 bd · 2.0 ba · 1,145 sqft · Condo public records · 76 Days on market

Built 1989 $774/mo HOA · 19% of rent

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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 +16.2/30.0
• 1% rule +8.8/10.0
• ARV discount +7.5/15.0
• DSCR +5.0/10.0
• Schools +5.0/10.0
• Appreciation +4.9/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Prime 1st floor corner location in highly desirable Vista Verde West! This delightful condo has just been freshly painted and features tile floors throughout with carpet in the bedrooms. This floor plan features the kitchen overlooking the dining and living rooms- perfect for entertaining! This condo has a private corner spot overlooking the Isla Del Sol Yacht & Country Club! Beautiful pool and spa! Weekly rentals make this a great vacation getaway or 2nd home! Just minutes from the Gulf Beaches and Ft. Desoto Park. Only 10 minutes to downtown St. Pete! Come see today!

Key facts

• $774 HOA
• Community pool
• Built 1989

Property features AI

Finance

• Other: Living area 1,145 sq ft; Lot approx 0.21 acres (0 to less than 1/4 acre)
• Financial info: Total annual fees $9,288; No lease restrictions indicated
• HOA & community: Has HOA; monthly condo fee $774 (includes cable TV, pool, building and grounds maintenance, sewer, trash, water); Community mailbox; Deed restrictions; Association approval required; Pets allowed (max 35 lbs)

Exterior

• Parking: No parking details provided
• Security: No security details provided
• Utilities: Public water; Public sewer; Public utilities
• Home design: Condominium; Single-story (one level); Faces southwest; Ground-floor entry
• Construction: Other construction materials; Shingle roof; Slab foundation; Built as part of building 6000
• Exterior features: Other exterior features; Paved road access

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 2 bedrooms (ground floor unit)
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Other interior features
• Laundry & utility: Inside laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $289k.

Deal economics

• At list price, monthly cash flow is $152 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $289k).
• Recommended offer: $272k (6.0% below list) — sets the bar for market timing.
• Cap rate 6.9% 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 C — affects rentability + tenant quality, not the cash-flow math above.
• Market conditions: 282 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• At $3,979/mo this rent would consume 46% of the median local household income ($103k/yr) (locally 106% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $2k of equity ($2k loan paydown + $-448 appreciation (-0.1% local appreciation)).
• 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 76 days — a 6% lower offer ($272k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $188k; list at $289k implies a 54% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; 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 $271,660 (6.0% below list)

Questions for the listing agent

1. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
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. 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.
7. 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.
8. 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: 1.38% ✓
• Cap rate: 6.92%
• Cash-on-cash: 2.25%
• DSCR: 1.10
• GRM: 6.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-0.15% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -0.1%
• Equity multiple: 1.00×
• Total profit: $-230
• Equity at exit: $81,685

10-year hold

• IRR: 5.8%
• Equity multiple: 1.62×
• Total profit: $50,514
• Equity at exit: $96,426

Cash invested: $80,920 (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 33715

• Home prices YoY: -0.1%
• Active inventory: 282
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $3,979 high
• Mortgage (P&I): −$1,516
• Tax from tax record: −$582 /mo · $6,983/yr
• Insurance: −$120
• HOA: −$774
• Vacancy / Maint / Mgmt: −$836
• Net cashflow: $152

Break-even live

Break-even rent $3,787

Max offer price $289,000

Occupancy floor 91%

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: $72,250
• Closing costs: $8,670
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6000 Bahia del Mar Cir St Petersburg, FL	2.0	2.0	1107	$4,195	$3.79	8d	2	0.01mi
6000 Bahia del Mar Cir St Petersburg, FL	2.0	2.0	1107	$4,095	$3.70	24d	3	0.01mi
6001 Bahia del Mar Cir #527 Saint Petersburg, FL	2.0	2.0	1080	$7,860	$7.28	24d	1	0.06mi
6061 Bahia del Mar Cir #146 Saint Petersburg, FL	2.0	2.0	1080	$2,600	$2.41	24d	1	0.07mi
6081 Bahia del Mar Cir #456 Saint Petersburg, FL	2.0	2.0	1150	$3,000	$2.61	24d	1	0.07mi
5801 Bahia del Mar Cir #512 Saint Petersburg, FL	2.0	2.0	1075	$7,510	$6.99	24d	1	0.08mi
5901 Bahia del Mar Cir #223 Saint Petersburg, FL	2.0	2.0	1080	$7,860	$7.28	24d	1	0.09mi
5901 Bahia del Mar Cir #422 Saint Petersburg, FL	2.0	2.0	1080	$7,860	$7.28	24d	1	0.09mi
5901 Bahia del Mar Cir #122 Saint Petersburg, FL	2.0	2.0	1080	$3,500	$3.24	24d	1	0.09mi
5901 Bahia del Mar Cir #518 Saint Petersburg, FL	2.0	2.0	1080	$3,000	$2.78	24d	1	0.09mi
5901 Bahia del Mar Cir #124 Saint Petersburg, FL	2.0	2.0	1150	$2,500	$2.17	24d	1	0.09mi
6061 Bahia del Mar Cir #347 St Petersburg, FL	2.0	2.0	1080	$2,300	$2.13	4d	1	0.09mi
6061 Bahia del Mar Cir #448 St Petersburg, FL	2.0	2.0	1150	$7,530	$6.55	4d	1	0.09mi
6191 Bahia del Mar Blvd #205 Saint Petersburg, FL	2.0	2.0	1070	$3,400	$3.18	24d	1	0.11mi
5701 Bahia del Mar Cir #508 Saint Petersburg, FL	2.0	2.0	1150	$3,200	$2.78	24d	1	0.11mi
6100 Bahia del Mar Cir St Petersburg, FL	2.0	2.0–2.5	1145	$4,038	$3.53	24d	2	0.12mi
6100 Bahia del Mar Cir #103 Saint Petersburg, FL	2.0	2.5	1145	$5,580	$4.87	4d	1	0.12mi
6273 Bahia del Mar Blvd #216 Saint Petersburg, FL	2.0	2.0	915	$5,700	$6.23	24d	1	0.18mi
6151 Bahia del Mar Blvd St Petersburg, FL	2.0	2.0	1107	$4,540	$4.10	24d	3	0.18mi
6141 Bahia del Mar Blvd #229 Saint Petersburg, FL	2.0	2.0	1145	$6,090	$5.32	24d	1	0.18mi
6141 Bahia Del Mar Blvd S Unit 1546330P St. Petersburg, FL	2.0	2.0	1140	$2,631	$2.31	8d	1	0.18mi
6107 Mirada Cir Saint Petersburg, FL	3.0	2.5	1320	$3,200	$2.42	4d	1	0.18mi
5900 Bahia del Mar Cir #138 St Petersburg, FL	2.0	2.0	1075	$5,070	$4.72	4d	1	0.19mi
6083 Bahia del Mar Cir #159 Saint Petersburg, FL	2.0	2.0	1135	$8,310	$7.32	24d	1	0.19mi
6083 Bahia del Mar Cir #460 St Petersburg, FL	2.0	2.0	1215	$7,460	$6.14	4d	1	0.19mi
6085 Bahia del Mar Cir #272 Saint Petersburg, FL	2.0	2.0	1170	$3,500	$2.99	24d	1	0.21mi
6085 Bahia del Mar Cir #467 Saint Petersburg, FL	2.0	2.0	1135	$6,960	$6.13	24d	1	0.21mi
6085 Bahia del Mar Cir #468 Saint Petersburg, FL	2.0	2.0	1215	$9,398	$7.73	24d	1	0.21mi
6281 Bahia del Mar Blvd #208 Saint Petersburg, FL	2.0	2.0	890	$2,100	$2.36	24d	1	0.22mi
6093 Bahia del Mar Cir #277 Saint Petersburg, FL	2.0	2.0	1215	$3,500	$2.88	24d	1	0.25mi
6093 Bahia del Mar Cir #478 Saint Petersburg, FL	2.0	2.0	1135	$2,200	$1.94	24d	1	0.25mi
6073 Bahia del Mar Blvd #129 Saint Petersburg, FL	2.0	2.0	1145	$2,200	$1.92	24d	1	0.25mi
6077 Bahia del Mar Blvd St Petersburg, FL	2.0	2.0	1107	$2,198	$1.98	12d	2	0.25mi
6294 Bahia del Mar Cir St Petersburg, FL	2.0	2.0	945	$4,142	$4.38	24d	3	0.26mi
6287 Bahia del Mar Cir #311 St Petersburg, FL	2.0	2.0	890	$2,100	$2.36	4d	1	0.26mi
6287 Bahia del Mar Cir #312 Saint Petersburg, FL	2.0	2.0	890	$3,200	$3.60	4d	1	0.26mi
6279 Sun Blvd #103 Saint Petersburg, FL	2.0	2.0	890	$3,300	$3.71	24d	1	0.27mi
6279 Sun Blvd #604 St Petersburg, FL	2.0	2.0	1054	$2,999	$2.85	4d	1	0.27mi
6279 Sun Blvd #403 Saint Petersburg, FL	1.0	1.5	790	$2,100	$2.66	4d	1	0.27mi
6291 Bahia del Mar Cir St Petersburg, FL	2.0	2.0	1222	$3,830	$3.13	24d	2	0.28mi

HOA detail condo

• Monthly dues: $774 · $9,288/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 23 events

1. 2026-06-18
   days on market $289,000 Active 76 DOM
2. 2026-06-17
   days on market $289,000 Active 75 DOM
3. 2026-06-16
   days on market $289,000 Active 74 DOM
4. 2026-06-15
   days on market $289,000 Active 73 DOM
5. 2026-06-13
   days on market $289,000 Active 71 DOM
6. 2026-06-09
   days on market $289,000 Active 67 DOM
7. 2026-06-08
   days on market $289,000 Active 66 DOM
8. 2026-06-07
   days on market $289,000 Active 65 DOM
9. 2026-06-04
   days on market $289,000 Active 62 DOM
10. 2026-06-03
    days on market $289,000 Active 61 DOM
11. 2026-06-01
    days on market $289,000 Active 59 DOM
12. 2026-05-31
    days on market $289,000 Active 58 DOM
13. 2026-05-18
    price $289,000
14. 2026-04-03
    listed $299,000 Active
15. 2016-01-08
    historical
16. 2015-12-09
    listed $225,000 Active
17. 2014-09-09
    soldstatus $187,500
18. 2014-09-05
    soldstatus $187,500 Sold 581-char remark

    Show marketing remark (581 chars)

    Prime 1st floor corner location in highly desirable Vista Verde West! This delightful condo has just been freshly painted and features tile floors throughout with carpet in the bedrooms. This floor plan features the kitchen overlooking the dining and living rooms- perfect for entertaining! This condo has a private corner spot overlooking the Isla Del Sol Yacht & Country Club! Beautiful pool and spa! Weekly rentals make this a great vacation getaway or 2nd home! Just minutes from the Gulf Beaches and Ft. Desoto Park. Only 10 minutes to downtown St. Pete! Come see today!

19. 2014-09-03
    status Pending 581-char remark

    Show marketing remark (581 chars)

    Prime 1st floor corner location in highly desirable Vista Verde West! This delightful condo has just been freshly painted and features tile floors throughout with carpet in the bedrooms. This floor plan features the kitchen overlooking the dining and living rooms- perfect for entertaining! This condo has a private corner spot overlooking the Isla Del Sol Yacht & Country Club! Beautiful pool and spa! Weekly rentals make this a great vacation getaway or 2nd home! Just minutes from the Gulf Beaches and Ft. Desoto Park. Only 10 minutes to downtown St. Pete! Come see today!

20. 2014-08-08
    historical Active with Contract 581-char remark

    Show marketing remark (581 chars)

    Prime 1st floor corner location in highly desirable Vista Verde West! This delightful condo has just been freshly painted and features tile floors throughout with carpet in the bedrooms. This floor plan features the kitchen overlooking the dining and living rooms- perfect for entertaining! This condo has a private corner spot overlooking the Isla Del Sol Yacht & Country Club! Beautiful pool and spa! Weekly rentals make this a great vacation getaway or 2nd home! Just minutes from the Gulf Beaches and Ft. Desoto Park. Only 10 minutes to downtown St. Pete! Come see today!

21. 2014-07-05
    listed $195,000 Active 581-char remark

    Show marketing remark (581 chars)

    Prime 1st floor corner location in highly desirable Vista Verde West! This delightful condo has just been freshly painted and features tile floors throughout with carpet in the bedrooms. This floor plan features the kitchen overlooking the dining and living rooms- perfect for entertaining! This condo has a private corner spot overlooking the Isla Del Sol Yacht & Country Club! Beautiful pool and spa! Weekly rentals make this a great vacation getaway or 2nd home! Just minutes from the Gulf Beaches and Ft. Desoto Park. Only 10 minutes to downtown St. Pete! Come see today!

22. 1995-08-14
    soldstatus $79,000
23. 1989-11-01
    soldstatus $84,500

ⓘ 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: $6,983 · $582/mo
• Projected year-2 tax: $6,983 · $582/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 6/10 Major FEMA zone X (shaded) · 72% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 26 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: $47,748
• − Mortgage interest: −$16,188
• − Property taxes: −$6,983
• − Insurance: −$1,445
• − Repairs & maintenance: −$3,820
• − Management: −$3,820
• − HOA: −$9,288
• − Depreciation: −$8,407
• Taxable loss: −$2,204
• Est. tax savings @ 24.0%: +$529
• After-tax cash flow: $2,347/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)

No district data.

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): 8,032
• Household income: $102,782
• Rent vs Own: 9.2% rent · 90.8% own
• Severe rent burden: 106.0

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 (89%)
• Race & ethnicity: White 89% Two or more races 5% Hispanic / Latino 5% Asian 2%
• Hispanic origin (detail): Puerto Rican 2%
• Common ancestry: Romanian 6% Hungarian 3% Lithuanian 3%
• Foreign-born: 11% · Canada, China
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 2% Arabic 1%

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: ▼ -0.15%
• Current HPI: 264.9727
• Rent YoY: —
• 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

+242.0% since first listed

11 events — show timeline

• 2026-05-18 Price Changed $289,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-03 Listed $299,000 Stellar MLS as Distributed by MLS Grid
• 2016-01-08 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-12-09 Listed $225,000 Stellar MLS as Distributed by MLS Grid
• 2014-09-09 Sold (Public Records) $187,500 Public Records
• 2014-09-05 Sold (MLS) $187,500 Stellar MLS as Distributed by MLS Grid
• 2014-09-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-08-08 Contingent — Stellar MLS as Distributed by MLS Grid
• 2014-07-05 Listed $195,000 Stellar MLS as Distributed by MLS Grid
• 1995-08-14 Sold (Public Records) $79,000 Public Records
• 1989-11-01 Sold (Public Records) $84,500 Public Records

Property tax history

+6.2%/yr

Latest (2025): $6,983 · +7.2% YoY. Source: county tax records.