1235 S Highland Ave Unit 2-307 · Clearwater, FL 33756

$125,000

2 bd · 1.0 ba · 972 sqft · Condo public records · 96 Days on market

Built 1969 $587/mo HOA · 34% 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).

• Cash flow +10.8/30.0
• 1% rule +8.9/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +4.1/5.0
• DSCR +3.1/10.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to Kalmia a centrally located 55+ community in Clearwater. This 2 bedroom, 1 bathroom condo is located on the third floor with an elevator nearby. This unit has been tastefully updated. The living room is spacious with laminate flooring and overlooks the community greenspace. The fully remodeled kitchen has solid wood cabinets, soft close doors and drawers, granite countertops, white appliances, and an adjacent eating space. The bathroom has an updated vanity, custom tile and a modified tub for easy entry. On-site laundry is provided as well as a storage locker for your goodies. The amenities are fabulous with its heated swimming pool, shuffleboard, and bocceball courts. A beautiful park area with seating and shade as well as a BBQ area to further relax and enjoy your surroundings. This unit also has an assigned covered parking spot right in front of the building. Located minutes from Clearwater Beach, walking distance to shops, restaurants, entertainment, and the YMCA. Come take a look. .. . You'll love what you see!

Key facts

• Eat-in area
• Pantry storage
• Granite countertops

Tags

• UPDATED WOOD LAMINATE FLOORING
• ELEGANT PLANTATION SHUTTERS
• SHAKER-STYLE CABINETRY
• GRANITE COUNTERTOPS
• PANTRY STORAGE
• EAT-IN AREA

Property features AI

Finance

• Financial info: Total annual HOA fees reported as $7,044; Lease restrictions apply
• HOA & community: Has HOA with monthly fee of $587; HOA fee covers cable TV, internet, pool, insurance, management, maintenance (structure & grounds), pest control, recreational facilities, sewer, trash, water, common area taxes, escrow reserves and other services; Association approval required; Community features include clubhouse, pool, shuffleboard court, community mailbox, sidewalks, deed restrictions, buyer approval required; Senior community; Pets not allowed; Association name: Resource Property Manager - Scott Fisher

Exterior

• Parking: Has a carport (1 space)
• Utilities: Public water; Public sewer; Cable available and connected; Electricity available and connected; Water and sewer connected; Other utilities available
• Home design: Condominium (residential); Completed condition; Faces south; Located on the 3rd floor; Three or more levels in building; Accessible entrance, hallway, full bath, kitchen, and installed elevator
• Construction: Block construction; Shingle roof; Slab foundation; Building has multiple units (building number 2)
• Exterior features: Private lot; Private mailbox; Fencing (other); In-ground private pool and spa; Trees and landscaping; Asphalt road access; Other exterior features/structures

Interior

• Kitchen: Dishwasher; Disposal; Range; Other kitchen features
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Open floorplan; Living room / dining room combo; Shutters and storm windows; Elevator in building; Other interior features
• Laundry & utility: Laundry in common area; Other laundry features

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $125k.

Deal economics

• At list price, monthly cash flow is $-58 ($-700/yr) — negative.
• To cash-flow at today's rent, offer at most $115k (8.2% below list).
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $114k (9.0% below list) — sets the bar for market timing.
• Cap rate 5.7% 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: Plumb Elementary School (math 56% / reading 54%, grade C, #872 of 2,144 statewide, top 42%, 622 students, 56% FRL); Oak Grove Middle School (math 41% / reading 38%, grade F, #373 of 571 statewide, top 66%, 843 students, 66% FRL); Clearwater High School (math 30% / reading 36%, grade F, #406 of 667 statewide, top 61%, 1,664 students, 59% FRL).
• Market conditions: Rents soft (-2.2%/yr); 366 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 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 ($62k/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 $864 of loan paydown is wiped out by about $4k 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 96 days — a 9% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 14y 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

• Watch-outs: HOA is 34% 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 $113,750 (9.0% 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 96 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
3. Built in 1969 — 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. 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?
9. 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.
10. 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.
11. 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: 1.39% ✓
• Cap rate: 5.73%
• Cash-on-cash: -2.00%
• DSCR: 0.91
• GRM: 6.0

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: -25.2%
• Equity multiple: 0.18×
• Total profit: $-28,691
• Equity at exit: $18,638

10-year hold

• IRR: -52.7%
• Equity multiple: -0.37×
• Total profit: $-47,942
• Equity at exit: $10,808

Cash invested: $35,000 (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 →

ZIP-level market 33756

• Rents YoY: -2.2%
• Active inventory: 366
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,740 high
• Mortgage (P&I): −$656
• Tax from tax record: −$138 /mo · $1,656/yr
• Insurance: −$52
• HOA: −$587
• Vacancy / Maint / Mgmt: −$365
• Net cashflow: $-58

Break-even live

Break-even rent $1,813

Max offer price $114,699

Occupancy floor 98%

Sensitivity live

Price	-10% $12	-5% $-23	+0% $-58	+5% $-94	+10% $-129
Rent	-10% $-196	-5% $-127	+0% $-58	+5% $10	+10% $79
Rate	-1.0pp $5	-0.5pp $-27	base $-58	+0.5pp $-91	+1.0pp $-124

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1524 Lakeview Rd Clearwater, FL	2.0	2.0	1100	$1,395	$1.27	26d	1	0.09mi
1520 Jeffords St Clearwater, FL	1.0–2.0	1.0	645	$1,500	$2.33	26d	1	0.20mi
1432 Lotus Path Clearwater, FL	2.0	1.0	900	$1,750	$1.94	12d	1	0.31mi
1009 Chester Dr Clearwater, FL	3.0	2.0	1105	$2,500	$2.26	13d	1	0.43mi
1416 Druid Rd E Clearwater, FL	2.0	1.0	864	$2,150	$2.49	6d	1	0.48mi
618 S Crest Ave Clearwater, FL	3.0	1.0	997	$2,500	$2.51	6d	1	0.51mi
1406 Lemon St Clearwater, FL	2.0	1.5	1020	$1,990	$1.95	26d	1	0.53mi
1319 Boylan Ave Clearwater, FL	2.0	1.0	800	$1,550	$1.94	26d	1	0.55mi
533 Yelvington Ave Clearwater, FL	1.0	1.0	812	$1,550	$1.91	26d	1	0.66mi
1719 Turner St Clearwater, FL	2.0	2.0	900	$2,200	$2.44	22d	1	0.76mi
612 Sally Ln S Unit 14 Clearwater, FL	1.0	1.0	750	$1,500	$2.00	26d	1	0.78mi
600 S Betty Ln Apt 7 Clearwater, FL	1.0	1.0	680	$1,225	$1.80	26d	1	0.78mi
1216 S Missouri Ave Clearwater, FL	1.0–2.0	1.0–2.0	835	$2,100	$2.51	26d	5	0.81mi
1216 S Missouri Ave Clearwater, FL	1.0–2.0	1.0–2.0	835	$2,000	$2.40	4d	6	0.81mi
711 S Lincoln Ave Clearwater, FL	1.0–2.0	1.0	860	$1,649	$1.92	0d	8	0.84mi
1224 S Missouri Ave #903 Clearwater, FL	1.0	1.0	730	$2,250	$3.08	26d	1	0.86mi
1477 Pierce St Clearwater, FL	2.0	1.0	650	$1,575	$2.42	26d	1	0.89mi
1119 Tuskawilla Dr Clearwater, FL	3.0	1.0–2.0	603	$1,367	$2.27	0d	25	0.91mi
518 Florida Ave Clearwater, FL	3.0	1.0	990	$1,795	$1.81	6d	1	0.92mi
1221 Court St Unit 1 Clearwater, FL	2.0	1.0	1000	$1,800	$1.80	26d	1	0.95mi
1245 S Martin Luther King Jr Ave #104 Clearwater, FL	2.0	2.0	1120	$1,495	$1.33	6d	1	0.98mi
1485 Cleveland St Clearwater, FL	3.0	1.0	978	$2,200	$2.25	6d	1	0.99mi
701 S Madison Ave Clearwater, FL	2.0	2.0	965	$1,948	$2.02	0d	6	0.99mi
1482 Cleveland St Clearwater, FL	3.0	2.0	1110	$2,695	$2.43	0d	1	1.02mi
1458 Cleveland St Clearwater, FL	1.0	1.0	750	$1,300	$1.73	5d	1	1.02mi
1458 Cleveland St Clearwater, FL	1.0	1.0	750	$1,300	$1.73	6d	1	1.02mi
1562 S Jefferson Ave Clearwater, FL	1.0	1.0	870	$1,250	$1.44	18d	1	1.03mi
106 S Fredrica Ave Clearwater, FL	2.0	1.0	836	$1,350	$1.61	23d	1	1.05mi
1265 Pierce St Unit 1 Clearwater, FL	1.0	1.0	650	$1,495	$2.30	0d	1	1.06mi
100 Waverly Way #403 Clearwater, FL	2.0	2.0	900	$1,600	$1.78	19d	1	1.07mi
27 N San Remo Ave Unit A Clearwater, FL	2.0	1.0	625	$1,297	$2.08	4d	1	1.09mi
941 Lakeview Rd Clearwater, FL	1.0	1.0	550	$1,199	$2.18	19d	1	1.12mi
1458 Grove St Clearwater, FL	1.0	1.0	625	$1,295	$2.07	23d	1	1.14mi
915 Ewing Ave Clearwater, FL	2.0	1.0	752	$1,400	$1.86	26d	1	1.14mi
1532 S Washington Ave Clearwater, FL	3.0	2.0	954	$1,500	$1.57	6d	1	1.15mi
1100 Turner St Clearwater, FL	1.0	1.5	900	$1,750	$1.94	5d	2	1.16mi
117 N Evergreen Ave Clearwater, FL	1.0	1.0	808	$1,135	$1.40	26d	2	1.17mi
117 N Evergreen Ave Clearwater, FL	1.0	1.0	800	$1,275	$1.59	14d	1	1.19mi
1260 Cleveland St Clearwater, FL	1.0	1.0	617	$1,432	$2.32	4d	2	1.20mi
1365 Drew St #102 Clearwater, FL	2.0	1.0	850	$1,400	$1.65	26d	1	1.21mi

HOA detail condo

• Monthly dues: $587 · $7,044/yr
• Likely covers: waterpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 39 events

1. 2026-06-22
   days on market $125,000 Active 96 DOM
2. 2026-06-18
   days on market $125,000 Active 93 DOM
3. 2026-06-17
   days on market $125,000 Active 92 DOM
4. 2026-06-16
   days on market $125,000 Active 91 DOM
5. 2026-06-15
   days on market $125,000 Active 90 DOM
6. 2026-06-13
   days on market $125,000 Active 88 DOM
7. 2026-06-09
   days on market $125,000 Active 84 DOM
8. 2026-06-08
   days on market $125,000 Active 83 DOM
9. 2026-06-07
   days on market $125,000 Active 82 DOM
10. 2026-06-04
    days on market $125,000 Active 79 DOM
11. 2026-06-03
    days on market $125,000 Active 78 DOM
12. 2026-06-01
    days on market $125,000 Active 76 DOM
13. 2026-05-31
    days on market $125,000 Active 75 DOM
14. 2026-03-17
    listed $125,000 Active
15. 2022-02-15
    soldstatus $140,000
16. 2022-02-14
    soldstatus $140,000 Closed 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to Kalmia a centrally located 55+ community in Clearwater. This 2 bedroom, 1 bathroom condo is located on the third floor with an elevator nearby. This unit has been tastefully updated. The living room is spacious with laminate flooring and overlooks the community greenspace. The fully remodeled kitchen has solid wood cabinets, soft close doors and drawers, granite countertops, white appliances, and an adjacent eating space. The bathroom has an updated vanity, custom tile and a modified tub for easy entry. On-site laundry is provided as well as a storage locker for your goodies. The amenities are fabulous with its heated swimming pool, shuffleboard, and bocceball courts. A beautiful park area with seating and shade as well as a BBQ area to further relax and enjoy your surroundings. This unit also has an assigned covered parking spot right in front of the building. Located minutes from Clearwater Beach, walking distance to shops, restaurants, entertainment, and the YMCA. Come take a look. .. . You'll love what you see!

17. 2021-12-31
    status Pending 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to Kalmia a centrally located 55+ community in Clearwater. This 2 bedroom, 1 bathroom condo is located on the third floor with an elevator nearby. This unit has been tastefully updated. The living room is spacious with laminate flooring and overlooks the community greenspace. The fully remodeled kitchen has solid wood cabinets, soft close doors and drawers, granite countertops, white appliances, and an adjacent eating space. The bathroom has an updated vanity, custom tile and a modified tub for easy entry. On-site laundry is provided as well as a storage locker for your goodies. The amenities are fabulous with its heated swimming pool, shuffleboard, and bocceball courts. A beautiful park area with seating and shade as well as a BBQ area to further relax and enjoy your surroundings. This unit also has an assigned covered parking spot right in front of the building. Located minutes from Clearwater Beach, walking distance to shops, restaurants, entertainment, and the YMCA. Come take a look. .. . You'll love what you see!

18. 2021-12-23
    price $139,500 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to Kalmia a centrally located 55+ community in Clearwater. This 2 bedroom, 1 bathroom condo is located on the third floor with an elevator nearby. This unit has been tastefully updated. The living room is spacious with laminate flooring and overlooks the community greenspace. The fully remodeled kitchen has solid wood cabinets, soft close doors and drawers, granite countertops, white appliances, and an adjacent eating space. The bathroom has an updated vanity, custom tile and a modified tub for easy entry. On-site laundry is provided as well as a storage locker for your goodies. The amenities are fabulous with its heated swimming pool, shuffleboard, and bocceball courts. A beautiful park area with seating and shade as well as a BBQ area to further relax and enjoy your surroundings. This unit also has an assigned covered parking spot right in front of the building. Located minutes from Clearwater Beach, walking distance to shops, restaurants, entertainment, and the YMCA. Come take a look. .. . You'll love what you see!

19. 2021-12-08
    status Active 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to Kalmia a centrally located 55+ community in Clearwater. This 2 bedroom, 1 bathroom condo is located on the third floor with an elevator nearby. This unit has been tastefully updated. The living room is spacious with laminate flooring and overlooks the community greenspace. The fully remodeled kitchen has solid wood cabinets, soft close doors and drawers, granite countertops, white appliances, and an adjacent eating space. The bathroom has an updated vanity, custom tile and a modified tub for easy entry. On-site laundry is provided as well as a storage locker for your goodies. The amenities are fabulous with its heated swimming pool, shuffleboard, and bocceball courts. A beautiful park area with seating and shade as well as a BBQ area to further relax and enjoy your surroundings. This unit also has an assigned covered parking spot right in front of the building. Located minutes from Clearwater Beach, walking distance to shops, restaurants, entertainment, and the YMCA. Come take a look. .. . You'll love what you see!

20. 2021-12-04
    status Pending 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to Kalmia a centrally located 55+ community in Clearwater. This 2 bedroom, 1 bathroom condo is located on the third floor with an elevator nearby. This unit has been tastefully updated. The living room is spacious with laminate flooring and overlooks the community greenspace. The fully remodeled kitchen has solid wood cabinets, soft close doors and drawers, granite countertops, white appliances, and an adjacent eating space. The bathroom has an updated vanity, custom tile and a modified tub for easy entry. On-site laundry is provided as well as a storage locker for your goodies. The amenities are fabulous with its heated swimming pool, shuffleboard, and bocceball courts. A beautiful park area with seating and shade as well as a BBQ area to further relax and enjoy your surroundings. This unit also has an assigned covered parking spot right in front of the building. Located minutes from Clearwater Beach, walking distance to shops, restaurants, entertainment, and the YMCA. Come take a look. .. . You'll love what you see!

21. 2021-11-02
    price $139,900 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to Kalmia a centrally located 55+ community in Clearwater. This 2 bedroom, 1 bathroom condo is located on the third floor with an elevator nearby. This unit has been tastefully updated. The living room is spacious with laminate flooring and overlooks the community greenspace. The fully remodeled kitchen has solid wood cabinets, soft close doors and drawers, granite countertops, white appliances, and an adjacent eating space. The bathroom has an updated vanity, custom tile and a modified tub for easy entry. On-site laundry is provided as well as a storage locker for your goodies. The amenities are fabulous with its heated swimming pool, shuffleboard, and bocceball courts. A beautiful park area with seating and shade as well as a BBQ area to further relax and enjoy your surroundings. This unit also has an assigned covered parking spot right in front of the building. Located minutes from Clearwater Beach, walking distance to shops, restaurants, entertainment, and the YMCA. Come take a look. .. . You'll love what you see!

22. 2021-10-13
    listed $150,000 Active 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to Kalmia a centrally located 55+ community in Clearwater. This 2 bedroom, 1 bathroom condo is located on the third floor with an elevator nearby. This unit has been tastefully updated. The living room is spacious with laminate flooring and overlooks the community greenspace. The fully remodeled kitchen has solid wood cabinets, soft close doors and drawers, granite countertops, white appliances, and an adjacent eating space. The bathroom has an updated vanity, custom tile and a modified tub for easy entry. On-site laundry is provided as well as a storage locker for your goodies. The amenities are fabulous with its heated swimming pool, shuffleboard, and bocceball courts. A beautiful park area with seating and shade as well as a BBQ area to further relax and enjoy your surroundings. This unit also has an assigned covered parking spot right in front of the building. Located minutes from Clearwater Beach, walking distance to shops, restaurants, entertainment, and the YMCA. Come take a look. .. . You'll love what you see!

23. 2019-11-25
    soldstatus $89,000
24. 2019-11-21
    soldstatus $89,000 Sold 601-char remark

    Show marketing remark (601 chars)

    Impressive two bedroom-one bathroom condominium in highly sought after 55+ Kalmia community is move in ready and available immediately. Updated kitchen cabinets, granite countertops and laminate flooring add the extra spark to the unit waiting for a new owner. Laundry is on-site and includes an additional storage space for each unit. This exotic community offers a variety of activities from the outdoor pool to the shuffleboards, outdoor grill for the additional entertainment as well as the evergreen walking and relaxing area. Conveniently located to shopping centers, entertainment, and beaches.

25. 2019-10-19
    status Pending 601-char remark

    Show marketing remark (601 chars)

    Impressive two bedroom-one bathroom condominium in highly sought after 55+ Kalmia community is move in ready and available immediately. Updated kitchen cabinets, granite countertops and laminate flooring add the extra spark to the unit waiting for a new owner. Laundry is on-site and includes an additional storage space for each unit. This exotic community offers a variety of activities from the outdoor pool to the shuffleboards, outdoor grill for the additional entertainment as well as the evergreen walking and relaxing area. Conveniently located to shopping centers, entertainment, and beaches.

26. 2019-10-14
    listed $89,900 Active 601-char remark

    Show marketing remark (601 chars)

    Impressive two bedroom-one bathroom condominium in highly sought after 55+ Kalmia community is move in ready and available immediately. Updated kitchen cabinets, granite countertops and laminate flooring add the extra spark to the unit waiting for a new owner. Laundry is on-site and includes an additional storage space for each unit. This exotic community offers a variety of activities from the outdoor pool to the shuffleboards, outdoor grill for the additional entertainment as well as the evergreen walking and relaxing area. Conveniently located to shopping centers, entertainment, and beaches.

27. 2019-09-30
    historical
28. 2019-08-15
    price $92,000
29. 2019-04-04
    listed $95,000 Active
30. 2018-03-15
    soldstatus $58,000
31. 2015-01-06
    soldstatus $30,000
32. 2014-04-01
    historical
33. 2013-08-27
    listed $39,900 Active
34. 2013-03-15
    soldstatus $34,000
35. 2013-03-14
    soldstatus $34,000
36. 2012-10-22
    listed $34,900
37. 1998-11-20
    soldstatus $42,000
38. 1997-12-23
    soldstatus $39,500
39. 1987-05-01
    soldstatus $37,700

ⓘ 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: $1,656 · $138/mo
• Projected year-2 tax: $1,656 · $138/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 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,875
• − Mortgage interest: −$7,002
• − Property taxes: −$1,656
• − Insurance: −$625
• − Repairs & maintenance: −$1,670
• − Management: −$1,670
• − HOA: −$7,044
• − Depreciation: −$3,636
• Taxable loss: −$2,428
• Est. tax savings @ 24.0%: +$583
• After-tax cash flow: $-117/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

• Census place: Clearwater, FL
• County: Pinellas County · 939,478 people
• City population: 170,933
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 32,201
• Household income: $61,872
• Rent vs Own: 38.9% rent · 61.1% own
• Severe rent burden: 1868.0

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: Majority White (64%)
• Race & ethnicity: White 64% Hispanic / Latino 18% Black 11% Two or more races 9% Asian 3%
• Hispanic origin (detail): Mexican 8% Puerto Rican 5%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 16% · Canada
• Languages at home: 79% English-only · Spanish 14% Other Indo-European 2% Russian/Polish/Slavic 2%

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: ▼ -438.74%
• Current HPI: 354.6792
• Rent YoY: ▼ -2.22%
• 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

+231.6% since first listed

26 events — show timeline

• 2026-03-17 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2022-02-15 Sold (Public Records) $140,000 Public Records
• 2022-02-14 Sold (MLS) $140,000 Stellar MLS as Distributed by MLS Grid
• 2021-12-31 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-12-23 Price Changed $139,500 Stellar MLS as Distributed by MLS Grid
• 2021-12-08 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-12-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-11-02 Price Changed $139,900 Stellar MLS as Distributed by MLS Grid
• 2021-10-13 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2019-11-25 Sold (Public Records) $89,000 Public Records
• 2019-11-21 Sold (MLS) $89,000 Stellar MLS as Distributed by MLS Grid
• 2019-10-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-10-14 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 2019-09-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2019-08-15 Price Changed $92,000 Stellar MLS as Distributed by MLS Grid
• 2019-04-04 Listed $95,000 Stellar MLS as Distributed by MLS Grid
• 2018-03-15 Sold (Public Records) $58,000 Public Records
• 2015-01-06 Sold (Public Records) $30,000 Public Records
• 2014-04-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-08-27 Listed $39,900 Stellar MLS as Distributed by MLS Grid
• 2013-03-15 Sold (Public Records) $34,000 Public Records
• 2013-03-14 Sold (MLS) $34,000 Stellar MLS as Distributed by MLS Grid
• 2012-10-22 Listed $34,900 Stellar MLS as Distributed by MLS Grid
• 1998-11-20 Sold (Public Records) $42,000 Public Records
• 1997-12-23 Sold (Public Records) $39,500 Public Records
• 1987-05-01 Sold (Public Records) $37,700 Public Records

Property tax history

+7.0%/yr

Latest (2025): $1,656 · -10.1% YoY. Source: county tax records.