CashFlowRE
Sign in Sign up
7 Frangipani Cir #7
F Composite 33.95
Why this score? — see what drove the F 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 +12.1/30.0
  • 1% rule +5.7/10.0
  • Schools +4.3/10.0
  • Livability +4.1/5.0
  • DSCR +3.6/10.0
  • Condition / age +2.5/5.0
  • Rent growth +1.6/5.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$209,000

7 Frangipani Cir #7 · Largo, FL 33770
3 bd · 2.0 ba · 1,269 sqft · Manufactured public records · 161 Days on market
Built 2001 164 ac lot Est $146k · 43% over $594/mo HOA · 27% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

New to the market is this splendid 2002, 27x47 Jacobsen Model Home having a three bedroom, two bath split plan. This is an outstanding convenience when your guests come to visit. The master suite is in the front of the home and is a sizable 13x13 with a walk-in closet and en suite bath with walk-in shower. The rear of the home has the two remaining bedrooms and a guest bath with shower and tub. The extensive sized kitchen is fully equipped and has numerous cabinets and storage space. An eating area is a plus and the inside washer and dryer are also in the kitchen area. An elegant dining space is open to the kitchen and living room. Splendid floor plan. This impressive home has gorgeous laminate flooring through most of the home with the guest bath having ceramic tile and the bedrooms are carpeted. Many features give the home a modernized feel from the drywall walls and ceiling, vertical blinds, cozy front porch, designer driveway, shingle roof, vinyl siding, new A/C unit in 2013, new water heater in 2013 and the tasteful furnishings and decorations will remain for your convenience. The asking price of $114,900 does include the share of $30,000. The community is an active 55+ with countless activities to be found. The amenities are plentiful from golf, tennis, shuffleboard, three pools and two hot tubs. The central location is also a favorable feature. Nearby is shopping, various restaurants, banks, medical facilities, movie theaters, many area beaches and two area airports.

Key facts

  • Shaded carport
  • Community pool
  • Tennis courts

Tags

UPDATED KITCHENGRANITE COUNTERTOPSSHADED CARPORTLARGE ENCLOSED STORAGE ROOMCOMMUNITY POOLTENNIS COURTS

Property features AI

Finance

  • Other: Unfurnished; Homestead indicated
  • Financial info: Total monthly fees reported as $594; Total annual fees reported as $7,128; Lease restrictions apply
  • HOA & community: Has HOA (monthly fee $594); Association amenities: Cable TV, Golf course, Pickleball courts, Pool, Shuffleboard court, Tennis courts; Association fee includes cable TV, common area taxes, pool, escrow reserves, insurance, internet, grounds maintenance, management, recreational facilities, sewer, trash, water; Association approval required; Buyer approval required; Clubhouse and community pool; Senior community; Pets allowed (dogs with size limit)

Exterior

  • Parking: Covered parking; Carport with 2 spaces
  • Utilities: Public water; Public sewer; Electricity connected; Cable connected; Water connected; Sewer connected
  • Home design: Manufactured home (double wide); Single-story; Faces north; Completed condition
  • Construction: Vinyl siding; Built-up roof; Concrete perimeter foundation; Double wide body type; Building area approximately 1990 sq ft
  • Exterior features: Storage; Trees and landscaping; Paved road access

Interior

  • Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Electric water heater
  • Bedrooms: 3 bedrooms
  • Flooring: Carpet; Tile
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating (electric); Central air conditioning
  • Interior features: Ceiling fans; Living room/dining room combo; Walk-in closets; Storage rooms
  • Laundry & utility: Washer hookup; Dryer hookup (electric); Laundry closet; Inside laundry

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath manufactured listed at $209k.

Deal economics

  • At list price, monthly cash flow is $-46 ($-552/yr) — negative.
  • To cash-flow at today's rent, offer at most $201k (3.9% below list).
  • Meets the 1% rule at list price ($2k rent vs $209k).
  • Recommended offer: $184k (12.0% below list) — sets the bar for market timing.
  • Cap rate 6.0% vs local median 4.3% in Largo — 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 82/100 on livability (#82 in FL, #1,240 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, amenities F.
  • 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.
  • Zoned schools: Southern Oak Elementary School (math 63% / reading 49%, grade C+, #832 of 2,144 statewide, top 40%, 556 students, 61% FRL); Largo Middle School (math 38% / reading 35%, grade F, #405 of 571 statewide, top 72%, 882 students, 66% FRL); Largo High School (math 30% / reading 50%, grade F, #296 of 667 statewide, top 45%, 2,055 students, 53% FRL).
  • Market conditions: Rents falling (-3.5%/yr); 219 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
  • This rent runs 45% of the median local income ($60k/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 $1k of loan paydown is wiped out by about $6k 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 161 days — a 12% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 14y ago; this cycle's ask has dropped $26k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $97k; list at $209k implies a 115% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: HOA is 27% of rent.
  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $183,920 (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 161 days. Have you received any prior offers? Is the seller open to a 12% 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. 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?
  7. 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.
  8. 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.
  9. 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
1.07%
Cap rate
6.03%
Cash-on-cash
-0.94%
DSCR
0.96
GRM
7.8

CMA / ARV

ARV (on-the-fly)
$145,935
Comps found
5
Show comp detail 5 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
8 Pindo Palm St E 0.14mi 2/2.0 (-1) 1,248 (-2%) 18mo $144,000 $115 71
18 Sabal Palm Dr 0.19mi 2/2.0 (-1) 1,152 (-9%) 1mo $149,000 $129 70
672 Sugar Palm St 0.65mi 2/2.0 (-1) 1,296 (+2%) 2mo $173,000 $133 60
57 Royal Palm Cir 0.68mi 2/2.0 (-1) 1,128 (-11%) 1mo $110,000 $98 44
711 Sugar Palm St 0.67mi 2/2.0 (-1) 1,440 (+14%) 14mo $95,000 $66 30

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-22.1%
Equity multiple
0.26×
Total profit
$-43,096
Equity at exit
$31,163
10-year hold
IRR
-29.8%
Equity multiple
-0.12×
Total profit
$-65,596
Equity at exit
$18,071

Cash invested: $58,520 (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.

ZIP-level market 33770

Rents YoY
-3.5%
Active inventory
219
Price-to-rent
7.8×

Monthly cashflow live

Estimated rent
$2,239 high interval (Pro) →
Mortgage (P&I)
$1,096
Tax from tax record
$38 /mo · $455/yr
Insurance
$87
HOA
$594
Vacancy / Maint / Mgmt
$470
Net cashflow
$-46

Break-even live

Break-even rent $2,297
Max offer price $200,878
Occupancy floor 97%

Sensitivity live

Price -10% $72 -5% $13 +0% $-46 +5% $-105 +10% $-414
Rent -10% $-223 -5% $-134 +0% $-46 +5% $42 +10% $131
Rate -1.0pp $59 -0.5pp $7 base $-46 +0.5pp $-100 +1.0pp $-155

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
$52,250
Closing costs
$6,270
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
46 Palm Forest Dr Largo, FL 2.0 2.0 1296 $2,200 $1.70 6d 1 0.06mi
310 15th Ave SW Largo, FL 3.0 2.0 1284 $2,800 $2.18 26d 1 0.42mi
908 N Palm Dr Largo, FL 3.0 2.0 1078 $2,305 $2.14 0d 1 0.43mi
910 9th Ave SW Largo, FL 3.0 2.0 1120 $2,100 $1.88 6d 1 0.46mi
1201 Seminole Blvd Largo, FL 1.0–3.0 1.0–2.0 1067 $2,445 $2.29 4d 1 0.54mi
253 Sago Palm St Largo, FL 2.0 2.0 1000 $1,295 $1.29 26d 1 0.55mi
911 Washington Ave #212 Largo, FL 2.0 2.0 885 $1,675 $1.89 6d 1 0.55mi
740 16th Ave SW Largo, FL 4.0 2.0 1346 $2,695 $2.00 18d 1 0.57mi
162 6th St NW Largo, FL 2.0 2.0 1230 $2,900 $2.36 6d 1 0.64mi
600 6th Ave SE Largo, FL 3.0 2.0 1364 $2,400 $1.76 26d 1 0.65mi
667 Sugar Palm St Largo, FL 2.0 2.0 1296 $2,500 $1.93 4d 1 0.66mi
158 Ridge Rd N Largo, FL 2.0 2.0 1155 $1,925 $1.67 23d 2 0.69mi
158 Ridge Rd N Largo, FL 2.0 2.0 1155 $1,925 $1.67 16d 1 0.69mi
158 Ridge Rd N Largo, FL 2.0 2.0 1155 $1,925 $1.67 26d 1 0.69mi
705 Redbud LN Largo, FL 1.0–2.0 1.0–2.0 986 $2,615 $2.65 0d 185 0.69mi
775 Royal Palm Cir Largo, FL 2.0 2.0 1008 $1,700 $1.69 6d 1 0.70mi
504 7th St SE Largo, FL 2.0 1.0 888 $2,250 $2.53 0d 1 0.72mi
264 Ridge Rd N Largo, FL 3.0 1.5 981 $2,400 $2.45 26d 1 0.73mi
1767 10th St SW Largo, FL 4.0 2.0 1374 $2,995 $2.18 6d 1 0.74mi
2131 Ridge Rd S #105 Largo, FL 2.0 1.5 1035 $1,850 $1.79 26d 1 0.78mi
605 4th Ave NW Largo, FL 1.0–2.0 1.0–2.0 1032 $2,350 $2.28 5d 6 0.80mi
2098 Seminole Blvd Largo, FL 1.0–3.0 1.0–2.0 1018 $2,895 $2.84 4d 23 0.82mi
423 4th St NW Largo, FL 3.0 1.0 960 $1,500 $1.56 6d 1 0.85mi
813 4th Ave NW Largo, FL 3.0 1.0 1295 $2,000 $1.54 19d 1 0.86mi
1320 1st Ave NW Largo, FL 2.0 1.0 1100 $2,100 $1.91 26d 1 0.91mi
504 6th Ave NW Largo, FL 4.0 2.0 1042 $2,433 $2.33 6d 1 0.93mi
504 6th Ave NW Largo, FL 4.0 2.0 1042 $2,433 $2.33 26d 1 0.93mi
705 3rd Ave NE Largo, FL 3.0 2.0 1113 $2,195 $1.97 0d 1 0.97mi
516 5th Ave NE Largo, FL 3.0 2.0 1073 $2,250 $2.10 16d 1 1.02mi
516 5th Ave NE Largo, FL 3.0 2.0 1057 $2,250 $2.13 25d 1 1.02mi
13333 Ridge Rd Largo, FL 1.0–2.0 1.0–1.5 860 $1,765 $2.05 9d 1 1.09mi
13250 Ridge Rd Largo, FL 2.0–3.0 2.0 1167 $2,090 $1.79 0d 2 1.11mi
301 Velma Dr E Largo, FL 2.0 2.0 1346 $2,950 $2.19 26d 1 1.12mi
1448 Oak St Largo, FL 2.0 2.0 1070 $2,300 $2.15 6d 1 1.16mi
2317 13th Ave SW Largo, FL 3.0 1.0 1189 $2,309 $1.94 18d 1 1.23mi
401 Rosery Rd NE Largo, FL 2.0 1.0–2.0 850 $1,879 $2.21 3d 31 1.24mi
1753 Belleair Forest Dr Unit D7 Belleair, FL 2.0 2.0 1068 $1,800 $1.69 26d 1 1.25mi
200 Country Club Dr #1505 Largo, FL 3.0 2.0 1255 $1,980 $1.58 16d 1 1.25mi
1665 134th Ave Largo, FL 3.0 1.0 1075 $875 $0.81 0d 1 1.26mi
2101 West Bay Dr Largo, FL 2.0 1.0 1000 $1,650 $1.65 6d 1 1.28mi

HOA detail

Monthly dues
$594 · $7,128/yr
Likely covers
waterpool

Listing history 25 events

  1. 2026-06-22
    days on market $209,000 Active 161 DOM
  2. 2026-06-18
    pricedays on market $209,000 Active 158 DOM
  3. 2026-06-17
    days on market $217,000 Active 157 DOM
  4. 2026-06-16
    days on market $217,000 Active 156 DOM
  5. 2026-06-15
    days on market $217,000 Active 155 DOM
  6. 2026-06-13
    days on market $217,000 Active 153 DOM
  7. 2026-06-09
    days on market $217,000 Active 149 DOM
  8. 2026-06-08
    days on market $217,000 Active 148 DOM
  9. 2026-06-07
    days on market $217,000 Active 147 DOM
  10. 2026-06-04
    days on market $217,000 Active 144 DOM
  11. 2026-06-03
    days on market $217,000 Active 143 DOM
  12. 2026-06-01
    days on market $217,000 Active 141 DOM
  13. 2026-05-31
    days on market $217,000 Active 140 DOM
  14. 2026-05-17
    price $224,000
  15. 2026-04-15
    price $225,000
  16. 2026-01-11
    listed $235,000 Active
  17. 2018-01-25
    soldstatus $97,000
  18. 2018-01-23
    soldstatus $97,000 Sold 1498-char remark
    Show marketing remark (1498 chars)

    New to the market is this splendid 2002, 27x47 Jacobsen Model Home having a three bedroom, two bath split plan. This is an outstanding convenience when your guests come to visit. The master suite is in the front of the home and is a sizable 13x13 with a walk-in closet and en suite bath with walk-in shower. The rear of the home has the two remaining bedrooms and a guest bath with shower and tub. The extensive sized kitchen is fully equipped and has numerous cabinets and storage space. An eating area is a plus and the inside washer and dryer are also in the kitchen area. An elegant dining space is open to the kitchen and living room. Splendid floor plan. This impressive home has gorgeous laminate flooring through most of the home with the guest bath having ceramic tile and the bedrooms are carpeted. Many features give the home a modernized feel from the drywall walls and ceiling, vertical blinds, cozy front porch, designer driveway, shingle roof, vinyl siding, new A/C unit in 2013, new water heater in 2013 and the tasteful furnishings and decorations will remain for your convenience. The asking price of $114,900 does include the share of $30,000. The community is an active 55+ with countless activities to be found. The amenities are plentiful from golf, tennis, shuffleboard, three pools and two hot tubs. The central location is also a favorable feature. Nearby is shopping, various restaurants, banks, medical facilities, movie theaters, many area beaches and two area airports.

  19. 2017-12-19
    status Pending 1498-char remark
    Show marketing remark (1498 chars)

    New to the market is this splendid 2002, 27x47 Jacobsen Model Home having a three bedroom, two bath split plan. This is an outstanding convenience when your guests come to visit. The master suite is in the front of the home and is a sizable 13x13 with a walk-in closet and en suite bath with walk-in shower. The rear of the home has the two remaining bedrooms and a guest bath with shower and tub. The extensive sized kitchen is fully equipped and has numerous cabinets and storage space. An eating area is a plus and the inside washer and dryer are also in the kitchen area. An elegant dining space is open to the kitchen and living room. Splendid floor plan. This impressive home has gorgeous laminate flooring through most of the home with the guest bath having ceramic tile and the bedrooms are carpeted. Many features give the home a modernized feel from the drywall walls and ceiling, vertical blinds, cozy front porch, designer driveway, shingle roof, vinyl siding, new A/C unit in 2013, new water heater in 2013 and the tasteful furnishings and decorations will remain for your convenience. The asking price of $114,900 does include the share of $30,000. The community is an active 55+ with countless activities to be found. The amenities are plentiful from golf, tennis, shuffleboard, three pools and two hot tubs. The central location is also a favorable feature. Nearby is shopping, various restaurants, banks, medical facilities, movie theaters, many area beaches and two area airports.

  20. 2017-10-01
    listed $114,900 Active 1498-char remark
    Show marketing remark (1498 chars)

    New to the market is this splendid 2002, 27x47 Jacobsen Model Home having a three bedroom, two bath split plan. This is an outstanding convenience when your guests come to visit. The master suite is in the front of the home and is a sizable 13x13 with a walk-in closet and en suite bath with walk-in shower. The rear of the home has the two remaining bedrooms and a guest bath with shower and tub. The extensive sized kitchen is fully equipped and has numerous cabinets and storage space. An eating area is a plus and the inside washer and dryer are also in the kitchen area. An elegant dining space is open to the kitchen and living room. Splendid floor plan. This impressive home has gorgeous laminate flooring through most of the home with the guest bath having ceramic tile and the bedrooms are carpeted. Many features give the home a modernized feel from the drywall walls and ceiling, vertical blinds, cozy front porch, designer driveway, shingle roof, vinyl siding, new A/C unit in 2013, new water heater in 2013 and the tasteful furnishings and decorations will remain for your convenience. The asking price of $114,900 does include the share of $30,000. The community is an active 55+ with countless activities to be found. The amenities are plentiful from golf, tennis, shuffleboard, three pools and two hot tubs. The central location is also a favorable feature. Nearby is shopping, various restaurants, banks, medical facilities, movie theaters, many area beaches and two area airports.

  21. 2013-07-15
    soldstatus $82,500
  22. 2013-07-08
    soldstatus $82,500 589-char remark
    Show marketing remark (589 chars)

    REDUCED!!! Lovely 3 bedroom, 2 bath 2002 Jacobsen Model Home with many great features and upgrades such as new laminate flooring, ceramic tile, vaulted ceiling, inside laundry, eat-in area in the kitchen, drywall, split bedroom plan, walk-in closet in themaster bedroom, verticals, walk-in shower in the master bath, vinyl siding, extra heavy roof shingles, hurricane film on all windows and doors, extended carport, ceiling fans, automatic sprinkler system, partly furnished and more! This great home is almost 1300 sq. ft. and is priced to sell at $89,900 including the share of $30,000.

  23. 2012-02-07
    listed $89,900 589-char remark
    Show marketing remark (589 chars)

    REDUCED!!! Lovely 3 bedroom, 2 bath 2002 Jacobsen Model Home with many great features and upgrades such as new laminate flooring, ceramic tile, vaulted ceiling, inside laundry, eat-in area in the kitchen, drywall, split bedroom plan, walk-in closet in themaster bedroom, verticals, walk-in shower in the master bath, vinyl siding, extra heavy roof shingles, hurricane film on all windows and doors, extended carport, ceiling fans, automatic sprinkler system, partly furnished and more! This great home is almost 1300 sq. ft. and is priced to sell at $89,900 including the share of $30,000.

  24. 2010-02-10
    soldstatus $93,500
  25. 2001-08-01
    soldstatus $22,500

ⓘ 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
$455 · $38/mo
Projected year-2 tax
$1,735 · $145/mo
Expected delta
+$1,280/yr (+$107/mo · 281.5%)

ⓘ 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 6 d/yr ≥108°F today · 18 d/yr by 30 yrs out
  • 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$26,871
− Mortgage interest
−$11,707
− Property taxes
−$455
− Insurance
−$1,045
− Repairs & maintenance
−$2,150
− Management
−$2,150
− HOA
−$7,128
− Depreciation
−$6,080
Taxable loss
−$3,843
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$922
After-tax cash flow
$371/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 — Largo

Score
82/100
State rank
#82
US rank
#1240

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Largo, FL
County
Pinellas County · 939,478 people
City population
106,311
Metro
Tampa-St. Petersburg-Clearwater, FL
Population (ZIP)
25,368
Household income
$59,815
Rent vs Own
38.3% rent · 61.7% own
Severe rent burden
1404.0

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 (75%)
Race & ethnicity
White 75% Hispanic / Latino 11% Two or more races 9% Black 8% Asian 1%
Hispanic origin (detail)
Mexican 3% Puerto Rican 3% Cuban 2%
Common ancestry
Lithuanian 3% Romanian 2% Slovak 2%
Foreign-born
9% · Canada, Jamaica
Languages at home
89% English-only · Spanish 5% Other Indo-European 2% German/W. Germanic 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
▼ -317.05%
Current HPI
353.8484
Rent YoY
▼ -3.47%
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

Price history

+895.6% since first listed
12 events — show timeline
  • 2026-05-17 Price Changed $224,000 Stellar MLS as Distributed by MLS Grid
  • 2026-04-15 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
  • 2026-01-11 Listed $235,000 Stellar MLS as Distributed by MLS Grid
  • 2018-01-25 Sold (Public Records) $97,000 Public Records
  • 2018-01-23 Sold (MLS) $97,000 Stellar MLS as Distributed by MLS Grid
  • 2017-12-19 Pending Stellar MLS as Distributed by MLS Grid
  • 2017-10-01 Listed $114,900 Stellar MLS as Distributed by MLS Grid
  • 2013-07-15 Sold (Public Records) $82,500 Public Records
  • 2013-07-08 Sold (MLS) $82,500 Stellar MLS as Distributed by MLS Grid
  • 2012-02-07 Listed $89,900 Stellar MLS as Distributed by MLS Grid
  • 2010-02-10 Sold (Public Records) $93,500 Public Records
  • 2001-08-01 Sold (Public Records) $22,500 Public Records

Property tax history

-10.0%/yr

Latest (2025): $455 · +5.5% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…