3715 Capri Coast Dr · Plant City, FL 33565

$375,000

5 bd · 3.0 ba · 2,674 sqft · SingleFamily public records · 64 Days on market

Built 2023 Good condition 6,822 sqft lot 2-car garage $140/sqft · 10% below area Est $415k · 10% under $12/mo HOA ↓ 4% 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).

• ARV discount +11.8/15.0
• Cash flow +8.3/30.0
• Condition / age +4.0/5.0
• Schools +3.9/10.0
• Livability +3.8/5.0
• 1% rule +2.6/10.0
• Rent growth +2.5/5.0
• DSCR +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Under Construction. North Park Isle is located in Plant City, right off Sam Allen Rd and North Park Rd, less than a mile from I-4. Conveniently located between Lakeland, Orlando, and Tampa, you’ll find endless entertainment options within both of the major surrounding cities, while enjoying a quiet, rural feel. North Park Isle features our D. R. Horton Express series homes that include extended tile in the main living and dining area, a stainless-steel appliance package, granite countertops in the kitchen, all concrete block construction on the 1st and 2nd stories, and Home is Connected; D. R. Horton’s Smart Home system. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability. D. R. Horton Reserves all Rights.

Key facts

• Community pool
• Tennis courts
• Basketball court

Tags

• FULLY FENCED BACKYARD
• LARGE SCREENED IN LANAI
• COMMUNITY POOL
• BASKETBALL COURT
• TENNIS COURTS
• HISTORIC DOWNTOWN DISTRICT

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $375k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-346 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $314k (16.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $287k (23.6% below list).
• Recommended offer: $287k (23.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 76/100 on livability (#227 in FL, #3,587 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: employment C-, commute 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: Knights Elementary School (math 52% / reading 45%, grade D, #1,152 of 2,144 statewide, top 55%, 623 students, 70% FRL); Marshall Middle Magnet School (math 28% / reading 31%, grade F, #469 of 571 statewide, top 84%, 1,089 students, 69% FRL); Plant City High School (math 38% / reading 40%, grade F, #312 of 667 statewide, top 48%, 2,474 students, 58% FRL).
• Market conditions: 426 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 30d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $2,866/mo this rent would consume 47% of the median local household income ($73k/yr) — 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 $3k of loan paydown is wiped out by about $11k 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 64 days — a 6% lower offer ($352k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $286,590 (23.6% 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 64 days. Have you received any prior offers? Is the seller open to a 24% 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 D-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: 0.76% ✗
• Cap rate: 5.18%
• Cash-on-cash: -3.96%
• DSCR: 0.82
• GRM: 10.9

CMA / ARV

• ARV (median comp): $414,605
• List price: $375,000
• Delta: -9.55%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3818 N Maryland Ave	0.39mi	4/3.0 (-1)	2,486 (-7%)	0mo	$445,000	$179	65
1807 Light Garden Ave Ave	0.43mi	5/3.0	2,605 (-3%)	21mo	$405,990	$156	58
1708 Tropical Oasis	0.50mi	4/2.5 (-1)	2,584 (-3%)	10mo	$352,945	$137	56
3649 Forest Path Dr	0.58mi	4/2.5 (-1)	2,584 (-3%)	15mo	$374,900	$145	48
3727 Capital Reserve Dr	0.42mi	5/2.5	2,896 (+8%)	21mo	$405,000	$140	48
3651 Forest Path Dr	0.58mi	5/2.5	2,896 (+8%)	15mo	$404,900	$140	44
3524 Radiant Mountain Dr	0.65mi	5/2.5	2,389 (-11%)	23mo	$360,900	$151	30
3521 Great Park Ct	0.74mi	5/2.5	2,389 (-11%)	21mo	$364,900	$153	28

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -22.9%
• Equity multiple: 0.21×
• Total profit: $-82,766
• Equity at exit: $55,914

10-year hold

• IRR: -17.4%
• Equity multiple: 0.05×
• Total profit: $-100,248
• Equity at exit: $32,423

Cash invested: $105,000 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 46 active · 1 under contract
• Months of supply: 69.0 mo (1%/mo absorbed)
• Median asking: $382,490 ($149/sqft)
• Median days on market: 71 d
• This list price: 30% of active listings are priced below it
• ARV vs active asking: +4.4% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 33565

• Home prices YoY: -24.7%
• Active inventory: 426
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,866 high
• Mortgage (P&I): −$1,967
• Tax from tax record: −$476 /mo · $5,707/yr
• Insurance: −$156
• HOA: −$12
• Vacancy / Maint / Mgmt: −$602
• Net cashflow: $-346

Break-even live

Break-even rent $3,304

Max offer price $313,827

Occupancy floor —

Sensitivity live

Price	-10% $-134	-5% $-240	+0% $-346	+5% $-452	+10% $-559
Rent	-10% $-573	-5% $-459	+0% $-346	+5% $-233	+10% $-120
Rate	-1.0pp $-157	-0.5pp $-251	base $-346	+0.5pp $-443	+1.0pp $-542

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: $93,750
• Closing costs: $11,250
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3747 Capri Coast Dr Plant City, FL	4.0	2.5	2035	$2,695	$1.32	48d	1	0.14mi
1458 Tahitian Sunrise Dr Plant City, FL	4.0	2.0	1935	$2,345	$1.21	34d	1	0.30mi
3507 N Maryland Ave Plant City, FL	4.0	3.0	2557	$2,495	$0.98	32d	1	0.31mi
3615 Natural Trace St Plant City, FL	4.0	2.0	1935	$2,350	$1.21	22d	1	0.36mi
3911 N Maryland Ave Plant City, FL	4.0	3.0	2223	$2,600	$1.17	73d	1	0.45mi
3872 Capri Coast Dr Plant City, FL	4.0	2.0	2162	$2,395	$1.11	25d	1	0.46mi
3872 Capri Coast Dr Plant City, FL	4.0	2.0	2162	$2,395	$1.11	23d	1	0.46mi
3916 N Maryland Ave Plant City, FL	4.0	3.0	2223	$2,610	$1.17	36d	1	0.48mi
3916 N Maryland Ave Plant City, FL	4.0	3.0	2223	$2,610	$1.17	29d	1	0.48mi
3852 Northern Key Dr Plant City, FL	4.0	2.0	1936	$2,599	$1.34	28d	1	0.71mi
2318 Allium Roseum Ln Plant City, FL	4.0	2.0	1817	$2,300	$1.27	8d	1	0.84mi
2505 Victorious Falls Ave Plant City, FL	6.0	3.0	2614	$2,950	$1.13	19d	1	0.89mi

Property features AI

Finance

• Other: CDD presentHomestead exemption indicated
• Financial info: Other annual assessment: $2,803Annual taxes reported for 2025
• HOA & community: Has HOA with mandatory monthly fee of $12Association approval requiredPets allowed: cats and dogs

Exterior

• Parking: Attached garage2-car garage
• Utilities: Public waterPublic sewerCable available
• Home design: Single family residenceTwo storiesSouth-facingResidential property in planned development (PD)
• Construction: Block and frame constructionShingle roofSlab foundationBuilt by DR HORTON (Hayden model)
• Exterior features: Enclosed patioPatioRear porchScreened porchExterior lightingSidewalkVinyl fencingAsphalt road access

Interior

• Kitchen: DishwasherMicrowaveRefrigerator
• Bedrooms: 5 bedrooms
• Flooring: CarpetTile
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Open living room/dining room comboProgrammable thermostat
• Laundry & utility: Dedicated laundry roomIrrigation equipment

Listing history 47 events

1. 2026-08-08
   days on market $375,000 Active 64 DOM
2. 2026-08-06
   days on market $375,000 Active 62 DOM
3. 2026-08-05
   days on market $375,000 Active 61 DOM
4. 2026-08-04
   days on market $375,000 Active 60 DOM
5. 2026-08-03
   days on market $375,000 Active 59 DOM
6. 2026-07-31
   days on market $375,000 Active 56 DOM
7. 2026-07-30
   days on market $375,000 Active 54 DOM
8. 2026-07-28
   days on market $375,000 Active 53 DOM
9. 2026-07-26
   days on market $375,000 Active 51 DOM
10. 2026-07-24
    days on market $375,000 Active 49 DOM
11. 2026-07-23
    days on market $375,000 Active 48 DOM
12. 2026-07-22
    days on market $375,000 Active 47 DOM
13. 2026-07-21
    days on market $375,000 Active 46 DOM
14. 2026-07-20
    days on market $375,000 Active 45 DOM
15. 2026-07-18
    days on market $375,000 Active 42 DOM
16. 2026-07-16
    days on market $375,000 Active 41 DOM
17. 2026-07-15
    days on market $375,000 Active 40 DOM
18. 2026-07-13
    days on market $375,000 Active 38 DOM
19. 2026-07-13
    days on market $375,000 Active 37 DOM
20. 2026-07-11
    days on market $375,000 Active 36 DOM
21. 2026-07-10
    days on market $375,000 Active 35 DOM
22. 2026-07-09
    days on market $375,000 Active 34 DOM
23. 2026-07-07
    days on market $375,000 Active 32 DOM
24. 2026-07-06
    days on market $375,000 Active 31 DOM
25. 2026-07-06
    days on market $375,000 Active 30 DOM
26. 2026-07-05
    days on market $375,000 Active 29 DOM
27. 2026-07-03
    days on market $375,000 Active 28 DOM
28. 2026-07-02
    days on market $375,000 Active 27 DOM
29. 2026-07-01
    days on market $375,000 Active 26 DOM
30. 2026-06-30
    days on market $375,000 Active 25 DOM
31. 2026-06-29
    days on market $375,000 Active 24 DOM
32. 2026-06-28
    days on market $375,000 Active 23 DOM
33. 2026-06-27
    days on market $375,000 Active 22 DOM
34. 2026-06-26
    days on market $375,000 Active 21 DOM
35. 2026-06-24
    days on market $375,000 Active 19 DOM
36. 2026-06-22
    days on market $375,000 Active 17 DOM
37. 2026-06-21
    days on market $375,000 Active 16 DOM
38. 2026-06-18
    days on market $375,000 Active 13 DOM
39. 2026-06-17
    days on market $375,000 Active 12 DOM
40. 2026-06-16
    days on market $375,000 Active 11 DOM
41. 2026-06-15
    days on market $375,000 Active 10 DOM
42. 2026-06-13
    days on market $375,000 Active 8 DOM
43. 2026-06-13
    days on market $375,000 Active 7 DOM
44. 2026-06-09
    days on market $375,000 Active 4 DOM
45. 2026-06-08
    days on market $375,000 Active 3 DOM
46. 2026-06-07
    remarks 699-char remark
47. 2026-06-07
    listed $375,000 Active 2 DOM

ⓘ 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: $5,707 · $476/mo
• Projected year-2 tax: $5,707 · $476/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 3/10 Moderate FEMA zone X (unshaded) · 12% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 25 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,391
• − Mortgage interest: −$21,006
• − Property taxes: −$5,707
• − Insurance: −$1,875
• − Repairs & maintenance: −$2,751
• − Management: −$2,751
• − HOA: −$144
• − Depreciation: −$10,909
• Taxable loss: −$10,752
• Est. tax savings @ 24.0%: +$2,581
• After-tax cash flow: $-1,575/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $13,370–$40,110 screening

This well-maintained single-family home in Plant City, FL, offers a good condition with minimal repairs needed. It's ready for immediate occupancy and can be enhanced with a fresh coat of paint to boost its curb appeal.

Value-add opportunities

• Resale Paint exterior trim — Fresh paint enhances curb appeal and can increase property value. ↑
• Rental Clean gutters — Clean gutters improve drainage and reduce maintenance costs for tenants. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 39/100

Zoned Schools

Elementary Knights Elementary School D FL #1,152/2,144 Nat'l #14,081/41,679 Middle Marshall Middle Magnet School F FL #469/571 Nat'l #9,020/14,009 High Plant City High School F FL #312/667 Nat'l #8,724/17,239

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

B Composite livability gradescore 76/100

Livability — Plant City

• Score: 76/100
• State rank: #227
• US rank: #3587

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Plant City, FL
• County: Hillsborough County · 1,607,022 people
• City population: 68,525
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 18,108
• Household income: $73,414
• Rent vs Own: 9.1% rent · 90.9% own
• Severe rent burden: 7% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 23% Two or more races 14% Black 2% Native American 1%
• Hispanic origin (detail): Mexican 16% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 2% Slovak 1% Iranian 1%
• Foreign-born: 10% · Canada, Jamaica
• Languages at home: 80% English-only · Spanish 19%

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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: ▼ -114.17%
• Current HPI: 347.2475
• Rent YoY: —
• Metro: Tampa-St. Petersburg-Clearwater, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• Other: CDD presentHomestead exemption indicated
• Financial info: Other annual assessment: $2,803Annual taxes reported for 2025
• HOA & community: Has HOA with mandatory monthly fee of $12Association approval requiredPets allowed: cats and dogs

Exterior

• Parking: Attached garage2-car garage
• Utilities: Public waterPublic sewerCable available
• Home design: Single family residenceTwo storiesSouth-facingResidential property in planned development (PD)
• Construction: Block and frame constructionShingle roofSlab foundationBuilt by DR HORTON (Hayden model)
• Exterior features: Enclosed patioPatioRear porchScreened porchExterior lightingSidewalkVinyl fencingAsphalt road access

Interior

• Kitchen: DishwasherMicrowaveRefrigerator
• Bedrooms: 5 bedrooms
• Flooring: CarpetTile
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Open living room/dining room comboProgrammable thermostat
• Laundry & utility: Dedicated laundry roomIrrigation equipment

Price history

-3.6% since first listed

9 events — show timeline

• 2026-06-05 Listed $375,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-05-04 Price Changed $407,999 Stellar MLS as Distributed by MLS Grid
• 2025-04-01 Listed $412,999 Stellar MLS as Distributed by MLS Grid
• 2023-03-24 Sold (MLS) $368,990 Stellar MLS as Distributed by MLS Grid
• 2022-11-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-11-03 Price Changed $368,990 Stellar MLS as Distributed by MLS Grid
• 2022-10-20 Price Changed $373,990 Stellar MLS as Distributed by MLS Grid
• 2022-10-17 Listed $388,990 Stellar MLS as Distributed by MLS Grid

Property tax history

+29.9%/yr

Latest (2025): $5,707 · +9.5% YoY. Source: county tax records.