2043 Denmark St #65 · Clearwater, FL 33763

$102,900

1 bd · 1.0 ba · 825 sqft · Condo public records · 41 Days on market

Built 1971 $542/mo HOA · 35% of rent

---

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).

• 1% rule +10.0/10.0
• Cash flow +9.1/30.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +4.1/5.0
• DSCR +2.5/10.0
• Condition / age +2.5/5.0
• Rent growth +1.8/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the epitome of refined living in this tastefully updated one-bedroom condo situated in the coveted 55+ community of On Top of The World. A culinary masterpiece awaits in the updated kitchen, adorned with beautiful wood cabinetry, stone countertops, and a stunning mosaic tile backsplash, creating an inviting space for both cooking and entertaining. The allure of this residence extends beyond the kitchen into the bonus Florida room, a spacious retreat offering a picturesque view of surrounding trees and greenery. This versatile space serves as an ideal canvas for various purposes, whether it be a home office, a cozy reading nook, an art studio, or a tranquil meditation space - the possibilities are endless. Enjoy the peace and tranquility that comes with this condo, as it possesses no above neighbors, ensuring a quiet and undisturbed living experience. Conveniently positioned as the third door from the elevator, accessibility is effortless. The easy access to the main floor laundry room, located nearby the elevator, adds an extra layer of convenience to your daily routine. Revel in the vibrant lifestyle offered by On Top of The World. A golf lovers paradise with private 9-hole and 18-hole courses, FREE to resident owners! Engage in a plethora of community activities, over 175 clubs to join, from activity centers, two swimming pools, four tennis courts, billiards, shuffleboard, golf, card rooms, craft rooms, library, fitness classes, dancing clubs, card games, on site café, and so much more entertainment! On Top of the World also has PROVIDED transportation takes you to nearby shopping, dining, and entertainment, ensuring an active and carefree Florida lifestyle. The affordable HOA further sweetens the deal, covering access to community amenities, and INCLUDING water bill, cable bill, and internet bill. This pet-friendly community incorporates a fenced dog park with covered seating, and its strategic location near beaches, shopping centers, transportation options, and fine dining restaurants make it an ideal choice for an active and vibrant retirement lifestyle. Whether you're looking for a year-round residence or a snowbird haven, this condo, with the option for rentals of at least 6 months, invites you to embrace the best of both worlds – a serene home and an investment opportunity. Don't miss the chance to embrace maintenance-free living at its finest. Schedule your private showing today and step into a world of comfort, leisure, and golfing bliss. Please Note: Buyers must put a minimum of 35% down payment per the condo association’s rules. Some photos have been virtually staged. This property is being transferred by a leasehold estate deed.

Key facts

• Renovated bathroom
• Green space views
• Florida room

Tags

• UPDATED KITCHEN
• RENOVATED BATHROOM
• FLORIDA ROOM
• GREEN SPACE VIEWS
• NO UPSTAIRS NEIGHBORS
• RESORT-STYLE AMENITIES

Property features AI

Finance

• Financial info: Total annual association fees approximately $6,504.24; Lease restrictions apply
• HOA & community: Monthly HOA dues of $542.02 (On Top of the World Association, INC); HOA fee includes cable TV, internet, pool, maintenance (structure & grounds), recreational facilities, trash, water, sewer, and common area taxes; Association approval required; Buyer approval required; Community clubhouse, fitness center, pool, golf, tennis and racquetball courts, dog park, community mailbox, street lights, and golf cart friendly; Senior community; Pets allowed with size/weight limits (max ~100 lbs)

Exterior

• Parking: Guest parking available
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Sewer connected; Water connected
• Home design: Condominium; Residential property; Three stories; Facing west; Entry on one level
• Construction: Block and stucco construction; Membrane roof; Stem wall foundation; Building name/number: DENMARK / 65; Built on a 3.42-acre parcel (community grounds)
• Exterior features: Sidewalk; Storage; Tennis courts

Interior

• Kitchen: Built-in oven; Cooktop; Dishwasher; Disposal; Microwave; Refrigerator; Electric water heater
• Bedrooms: 1 bedroom (located on 3rd floor)
• Flooring: Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Crown molding; Living room/dining room combo; Stone countertops; Window treatments; Building has elevator
• Laundry & utility: Common area laundry

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $103k.

Deal economics

• At list price, monthly cash flow is $-79 ($-948/yr) — negative.
• To cash-flow at today's rent, offer at most $89k (13.6% below list).
• Meets the 1% rule at list price ($2k rent vs $103k).
• Recommended offer: $89k (13.6% below list) — sets the bar for cash-flow.
• Cap rate 5.4% vs local median 2.9% in Clearwater — 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 (#60 in FL, #988 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: employment C-.
• 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: Mcmullen-Booth Elementary School (math 44% / reading 46%, grade D-, #1,271 of 2,144 statewide, top 60%, 458 students, 63% FRL); Safety Harbor Middle School (math 45% / reading 43%, grade D, #327 of 571 statewide, top 57%, 974 students, 50% FRL); Countryside High School (math 25% / reading 45%, grade F, #379 of 667 statewide, top 58%, 1,741 students, 44% FRL) — zoned schools at 52% FRL track the district average.
• Market conditions: Rents soft (-2.6%/yr); 293 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 13d 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 34% of the median local income ($55k/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 $711 of loan paydown is wiped out by about $3k 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 41 days — a 3% lower offer ($100k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 6y ago; this cycle's ask has dropped $16k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 35% of rent.
• Climate carrying-cost: 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 $88,939 (13.6% 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 41 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
3. Built in 1971 — 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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 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: 1.50% ✓
• Cap rate: 5.37%
• Cash-on-cash: -3.29%
• DSCR: 0.85
• GRM: 5.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -28.1%
• Equity multiple: 0.10×
• Total profit: $-25,854
• Equity at exit: $15,343

10-year hold

• IRR: -71.6%
• Equity multiple: -0.56×
• Total profit: $-44,940
• Equity at exit: $8,897

Cash invested: $28,812 (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 33763

• Rents YoY: -2.6%
• Active inventory: 293
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $1,546 high
• Mortgage (P&I): −$540
• Tax from tax record: −$176 /mo · $2,113/yr
• Insurance: −$43
• HOA: −$542
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $-79

Break-even live

Break-even rent $1,646

Max offer price $88,939

Occupancy floor —

Sensitivity live

Price	-10% $-21	-5% $-50	+0% $-79	+5% $-108	+10% $-137
Rent	-10% $-201	-5% $-140	+0% $-79	+5% $-18	+10% $43
Rate	-1.0pp $-27	-0.5pp $-53	base $-79	+0.5pp $-106	+1.0pp $-133

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: $25,725
• Closing costs: $3,087
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2042 Australia Way W Clearwater, FL	1.0	1.0	825	$1,350	$1.64	12d	1	0.04mi
2071 Australia Way W #29 Clearwater, FL	2.0	2.0	1100	$1,525	$1.39	26d	1	0.10mi
2310 Denmark St Clearwater, FL	2.0	2.0	1100	$1,550	$1.41	0d	1	0.12mi
2311 Brisbane St #65 Clearwater, FL	2.0	2.0	1100	$1,700	$1.55	14d	1	0.13mi
2433 Brazilia Dr #49 Clearwater, FL	2.0	2.0	1100	$1,750	$1.59	26d	1	0.19mi
2358 Ecuadorian Way #56 Clearwater, FL	2.0	2.0	1100	$1,500	$1.36	5d	1	0.27mi
2331 Finlandia Ln #53 Clearwater, FL	1.0	1.0	825	$1,345	$1.63	5d	1	0.27mi
2451 Canadian Way Clearwater, FL	2.0	1.0–2.0	1250	$1,598	$1.28	9d	2	0.28mi
2359 Finlandia Ln Clearwater, FL	2.0	2.0–20.0	1100	$1,400	$1.27	19d	2	0.28mi
2428 Columbia Dr #68 Clearwater, FL	2.0	2.0	1100	$1,750	$1.59	6d	1	0.29mi
2429 Ecuadorian Way #65 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	6d	1	0.29mi
2287 Philippine Dr #29 Clearwater, FL	2.0	2.0	1070	$1,550	$1.45	9d	1	0.29mi
2287 Philippine Dr #29 Clearwater, FL	2.0	2.0	1070	$1,550	$1.45	4d	1	0.29mi
2463 Brazilia Dr #61 Clearwater, FL	2.0	1.0	1100	$1,450	$1.32	26d	1	0.33mi
2464 Australia Way E #24 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	26d	1	0.33mi
2464 Australia Way E #72 Clearwater, FL	1.0	1.0	1100	$1,295	$1.18	0d	1	0.33mi
2284 Philippine Dr #59 Clearwater, FL	2.0	2.0	1100	$1,795	$1.63	23d	1	0.34mi
2448 Columbia Dr #72 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	25d	1	0.34mi
2456 Ecuadorian Way #42 Clearwater, FL	2.0	2.0	1100	$1,700	$1.55	6d	1	0.39mi
2458 Columbia Dr #64 Clearwater, FL	1.0	1.0	825	$1,275	$1.55	26d	1	0.39mi
2455 Finlandia Ln #67 Clearwater, FL	2.0	2.0	1100	$1,495	$1.36	13d	1	0.42mi
2466 Ecuadorian Way #32 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	26d	1	0.43mi
2400 Franciscan Dr #44 Clearwater, FL	1.0	1.0	735	$1,200	$1.63	26d	1	0.45mi
24862 US Highway 19 N #3202 Clearwater, FL	1.0	1.0	600	$1,295	$2.16	6d	1	0.52mi
24862 U.S. 19 Unit 3202 1 Clearwater, FL	1.0	1.0	640	$1,295	$2.02	25d	1	0.58mi
2262 Swedish Dr #10 Clearwater, FL	2.0	2.0	1115	$2,000	$1.79	26d	1	0.59mi
2363 Israeli Dr #67 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	26d	1	0.62mi
25350 US Highway 19 N Clearwater, FL	3.0	1.0–2.0	875	$1,466	$1.68	0d	34	0.76mi
2460 Persian Dr #44 Clearwater, FL	2.0	2.0	1100	$1,800	$1.64	6d	1	0.77mi
2550 Stag Run Blvd Clearwater, FL	1.0–3.0	1.0–2.0	1189	$1,455	$1.22	3d	19	0.82mi
2031 Glass Loop Clearwater, FL	1.0–3.0	1.0–2.0	1058	$1,798	$1.70	0d	37	0.86mi
2037 Sunset Grove Ln Clearwater, FL	2.0	2.0	935	$1,750	$1.87	26d	1	0.87mi
2386 Sumatran Way #14 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	19d	1	0.92mi
1960 Union St Clearwater, FL	2.0	2.0	996	$1,750	$1.76	0d	2	1.07mi
2005 Greenbriar Blvd #1 Clearwater, FL	2.0	2.0	930	$1,500	$1.61	6d	1	1.08mi
1730 Audrey Dr Unit 2 Clearwater, FL	1.0	1.0	700	$2,100	$3.00	26d	1	1.10mi
2070 Loma Linda Way N Clearwater, FL	2.0	1.0	980	$1,928	$1.97	26d	1	1.11mi
2481 NE Coachman Rd Clearwater, FL	1.0–2.0	1.0–2.0	762	$1,314	$1.72	0d	17	1.17mi
2625 Florida 590 Unit 1414 Clearwater, FL	1.0	1.0	600	$1,300	$2.17	26d	1	1.22mi
2524 Alexander Pl Clearwater, FL	1.0–2.0	1.0–2.0	948	$1,685	$1.78	0d	20	1.24mi

HOA detail condo

• Monthly dues: $542 · $6,504/yr
• Likely covers: waterinternetcablepool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 29 events

1. 2026-04-29
   status Pending
2. 2026-04-23
   price $102,900
3. 2026-03-30
   price $111,500
4. 2026-03-19
   listed $118,900 Active
5. 2025-06-10
   historical
6. 2025-04-26
   price $129,900
7. 2025-03-31
   price $134,000
8. 2025-02-09
   price $134,900
9. 2025-01-10
   listed $138,900 Active
10. 2024-05-08
    soldstatus $150,000
11. 2024-05-06
    soldstatus $150,000 Closed 2717-char remark

    Show marketing remark (2717 chars)

    Discover the epitome of refined living in this tastefully updated one-bedroom condo situated in the coveted 55+ community of On Top of The World. A culinary masterpiece awaits in the updated kitchen, adorned with beautiful wood cabinetry, stone countertops, and a stunning mosaic tile backsplash, creating an inviting space for both cooking and entertaining. The allure of this residence extends beyond the kitchen into the bonus Florida room, a spacious retreat offering a picturesque view of surrounding trees and greenery. This versatile space serves as an ideal canvas for various purposes, whether it be a home office, a cozy reading nook, an art studio, or a tranquil meditation space - the possibilities are endless. Enjoy the peace and tranquility that comes with this condo, as it possesses no above neighbors, ensuring a quiet and undisturbed living experience. Conveniently positioned as the third door from the elevator, accessibility is effortless. The easy access to the main floor laundry room, located nearby the elevator, adds an extra layer of convenience to your daily routine. Revel in the vibrant lifestyle offered by On Top of The World. A golf lovers paradise with private 9-hole and 18-hole courses, FREE to resident owners! Engage in a plethora of community activities, over 175 clubs to join, from activity centers, two swimming pools, four tennis courts, billiards, shuffleboard, golf, card rooms, craft rooms, library, fitness classes, dancing clubs, card games, on site café, and so much more entertainment! On Top of the World also has PROVIDED transportation takes you to nearby shopping, dining, and entertainment, ensuring an active and carefree Florida lifestyle. The affordable HOA further sweetens the deal, covering access to community amenities, and INCLUDING water bill, cable bill, and internet bill. This pet-friendly community incorporates a fenced dog park with covered seating, and its strategic location near beaches, shopping centers, transportation options, and fine dining restaurants make it an ideal choice for an active and vibrant retirement lifestyle. Whether you're looking for a year-round residence or a snowbird haven, this condo, with the option for rentals of at least 6 months, invites you to embrace the best of both worlds – a serene home and an investment opportunity. Don't miss the chance to embrace maintenance-free living at its finest. Schedule your private showing today and step into a world of comfort, leisure, and golfing bliss. Please Note: Buyers must put a minimum of 35% down payment per the condo association’s rules. Some photos have been virtually staged. This property is being transferred by a leasehold estate deed.

12. 2024-03-26
    status Pending 2717-char remark

    Show marketing remark (2717 chars)

    Discover the epitome of refined living in this tastefully updated one-bedroom condo situated in the coveted 55+ community of On Top of The World. A culinary masterpiece awaits in the updated kitchen, adorned with beautiful wood cabinetry, stone countertops, and a stunning mosaic tile backsplash, creating an inviting space for both cooking and entertaining. The allure of this residence extends beyond the kitchen into the bonus Florida room, a spacious retreat offering a picturesque view of surrounding trees and greenery. This versatile space serves as an ideal canvas for various purposes, whether it be a home office, a cozy reading nook, an art studio, or a tranquil meditation space - the possibilities are endless. Enjoy the peace and tranquility that comes with this condo, as it possesses no above neighbors, ensuring a quiet and undisturbed living experience. Conveniently positioned as the third door from the elevator, accessibility is effortless. The easy access to the main floor laundry room, located nearby the elevator, adds an extra layer of convenience to your daily routine. Revel in the vibrant lifestyle offered by On Top of The World. A golf lovers paradise with private 9-hole and 18-hole courses, FREE to resident owners! Engage in a plethora of community activities, over 175 clubs to join, from activity centers, two swimming pools, four tennis courts, billiards, shuffleboard, golf, card rooms, craft rooms, library, fitness classes, dancing clubs, card games, on site café, and so much more entertainment! On Top of the World also has PROVIDED transportation takes you to nearby shopping, dining, and entertainment, ensuring an active and carefree Florida lifestyle. The affordable HOA further sweetens the deal, covering access to community amenities, and INCLUDING water bill, cable bill, and internet bill. This pet-friendly community incorporates a fenced dog park with covered seating, and its strategic location near beaches, shopping centers, transportation options, and fine dining restaurants make it an ideal choice for an active and vibrant retirement lifestyle. Whether you're looking for a year-round residence or a snowbird haven, this condo, with the option for rentals of at least 6 months, invites you to embrace the best of both worlds – a serene home and an investment opportunity. Don't miss the chance to embrace maintenance-free living at its finest. Schedule your private showing today and step into a world of comfort, leisure, and golfing bliss. Please Note: Buyers must put a minimum of 35% down payment per the condo association’s rules. Some photos have been virtually staged. This property is being transferred by a leasehold estate deed.

13. 2024-03-10
    listed $145,000 Active 2717-char remark

    Show marketing remark (2717 chars)

    Discover the epitome of refined living in this tastefully updated one-bedroom condo situated in the coveted 55+ community of On Top of The World. A culinary masterpiece awaits in the updated kitchen, adorned with beautiful wood cabinetry, stone countertops, and a stunning mosaic tile backsplash, creating an inviting space for both cooking and entertaining. The allure of this residence extends beyond the kitchen into the bonus Florida room, a spacious retreat offering a picturesque view of surrounding trees and greenery. This versatile space serves as an ideal canvas for various purposes, whether it be a home office, a cozy reading nook, an art studio, or a tranquil meditation space - the possibilities are endless. Enjoy the peace and tranquility that comes with this condo, as it possesses no above neighbors, ensuring a quiet and undisturbed living experience. Conveniently positioned as the third door from the elevator, accessibility is effortless. The easy access to the main floor laundry room, located nearby the elevator, adds an extra layer of convenience to your daily routine. Revel in the vibrant lifestyle offered by On Top of The World. A golf lovers paradise with private 9-hole and 18-hole courses, FREE to resident owners! Engage in a plethora of community activities, over 175 clubs to join, from activity centers, two swimming pools, four tennis courts, billiards, shuffleboard, golf, card rooms, craft rooms, library, fitness classes, dancing clubs, card games, on site café, and so much more entertainment! On Top of the World also has PROVIDED transportation takes you to nearby shopping, dining, and entertainment, ensuring an active and carefree Florida lifestyle. The affordable HOA further sweetens the deal, covering access to community amenities, and INCLUDING water bill, cable bill, and internet bill. This pet-friendly community incorporates a fenced dog park with covered seating, and its strategic location near beaches, shopping centers, transportation options, and fine dining restaurants make it an ideal choice for an active and vibrant retirement lifestyle. Whether you're looking for a year-round residence or a snowbird haven, this condo, with the option for rentals of at least 6 months, invites you to embrace the best of both worlds – a serene home and an investment opportunity. Don't miss the chance to embrace maintenance-free living at its finest. Schedule your private showing today and step into a world of comfort, leisure, and golfing bliss. Please Note: Buyers must put a minimum of 35% down payment per the condo association’s rules. Some photos have been virtually staged. This property is being transferred by a leasehold estate deed.

14. 2022-08-24
    soldstatus $150,000
15. 2022-08-22
    soldstatus $150,000 Closed
16. 2022-07-25
    status Pending
17. 2022-07-19
    status Active
18. 2022-07-08
    status Pending
19. 2022-07-05
    price $157,000
20. 2022-05-31
    status Active
21. 2022-05-29
    status Pending
22. 2022-05-12
    listed $160,000 Active
23. 2021-05-10
    soldstatus $80,000
24. 2021-05-05
    soldstatus $80,000 Closed
25. 2021-03-30
    status Pending
26. 2020-10-12
    listed $80,000 Active
27. 1998-11-12
    soldstatus $25,000
28. 1984-07-01
    soldstatus $31,900
29. 1981-04-01
    soldstatus $36,500

ⓘ 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: $2,113 · $176/mo
• Projected year-2 tax: $2,113 · $176/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 · 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: $18,556
• − Mortgage interest: −$5,764
• − Property taxes: −$2,113
• − Insurance: −$514
• − Repairs & maintenance: −$1,484
• − Management: −$1,484
• − HOA: −$6,504
• − Depreciation: −$2,993
• Taxable loss: −$2,303
• Est. tax savings @ 24.0%: +$553
• After-tax cash flow: $-396/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 — Clearwater

• Score: 82/100
• State rank: #60
• US rank: #988

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Pinellas County · 939,478 people
• City population: 170,933
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 21,146
• Household income: $54,794
• Rent vs Own: 27.6% rent · 72.4% own
• Severe rent burden: 753.0

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 (72%)
• Race & ethnicity: White 72% Hispanic / Latino 17% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 3% Cuban 1%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 15% · Canada, Jamaica, Vietnam
• Languages at home: 81% English-only · Spanish 10% Other Indo-European 3% Russian/Polish/Slavic 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: ▼ -439.90%
• Current HPI: 265.3099
• Rent YoY: ▼ -2.63%
• 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

+181.9% since first listed

29 events — show timeline

• 2026-04-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-23 Price Changed $102,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-30 Price Changed $111,500 Stellar MLS as Distributed by MLS Grid
• 2026-03-19 Listed $118,900 Stellar MLS as Distributed by MLS Grid
• 2025-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-04-26 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
• 2025-03-31 Price Changed $134,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-09 Price Changed $134,900 Stellar MLS as Distributed by MLS Grid
• 2025-01-10 Listed $138,900 Stellar MLS as Distributed by MLS Grid
• 2024-05-08 Sold (Public Records) $150,000 Public Records
• 2024-05-06 Sold (MLS) $150,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-03-10 Listed $145,000 Stellar MLS as Distributed by MLS Grid
• 2022-08-24 Sold (Public Records) $150,000 Public Records
• 2022-08-22 Sold (MLS) $150,000 Stellar MLS as Distributed by MLS Grid
• 2022-07-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-07-19 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-07-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-07-05 Price Changed $157,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-31 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-05-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-05-12 Listed $160,000 Stellar MLS as Distributed by MLS Grid
• 2021-05-10 Sold (Public Records) $80,000 Public Records
• 2021-05-05 Sold (MLS) $80,000 Stellar MLS as Distributed by MLS Grid
• 2021-03-30 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-10-12 Listed $80,000 Stellar MLS as Distributed by MLS Grid
• 1998-11-12 Sold (Public Records) $25,000 Public Records
• 1984-07-01 Sold (Public Records) $31,900 Public Records
• 1981-04-01 Sold (Public Records) $36,500 Public Records

Property tax history

+11.0%/yr

Latest (2025): $2,113 · +232.1% YoY. Source: county tax records.