🌊 Lakefront
2044 21st St S · St. Petersburg, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 27 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
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 +15.0/15.0
- Cash flow +14.2/30.0
- DSCR +4.3/10.0
- Schools +4.3/10.0
- 1% rule +4.0/10.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Rent growth +2.3/5.0
- Appreciation +0.0/10.0
$285,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
As seen on Channel 8. This newly renovated cottage home is Located just 10 min away from Historic Downtown St. Petersburg, lively Gulfport Art District and 15 min from famous St. Pete Beach. You are going to love fresh beach style curb appeal, enclosed yard with a gazebo entertainment area will be perfect for family gatherings. This home features stunning gray kitchen cabinetry with mosaic backsplash, brand new stainless steel appliances, solid stone countertops, designer glass cabinets pulls. This home features many artistic touches such as historic fireplace, designer tile, crystal chandelier in the living room, modern light fixtures throughout entire house, cool decor. Walking distance to Lakefront Dell Holmes Park and Raymond James YMCA. Kids will enjoy waterpark and parents can relax on a bench watching the nature!
Key facts
- Gray kitchen
- Fully renovated
- Newer roof
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/2.0-bath single-family listed at $285k.
Deal economics
- At list price, monthly cash flow is $48 ($581/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $256k (10.3% below list).
- Recommended offer: $251k (12.0% below list) — sets the bar for market timing.
- Cap rate 6.5% vs local median 2.6% in St. Petersburg — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
- 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: Melrose Elementary School (math 37% / reading 27%, grade F, #1,797 of 2,144 statewide, top 86%, 322 students, 93% FRL); John Hopkins Middle School (math 25% / reading 27%, grade F, #506 of 571 statewide, top 89%, 723 students, 66% FRL); Gibbs High School (math 26% / reading 41%, grade F, #400 of 667 statewide, top 61%, 1,160 students, 64% FRL) — zoned schools average 75% FRL vs 48% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Zoned-school proficiency averages 30% at this address vs 51% district-wide (-20 pts) — the specific schools serving this property underperform the Pinellas average; the district grade overstates school quality for this exact location.
- Market conditions: Rents soft (-0.8%/yr); 205 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
- At $2,558/mo this rent would consume 51% of the median local household income ($60k/yr) (locally 1928% of renters already pay >50% of income on rent) — 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 $2k of loan paydown is wiped out by about $9k 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 189 days — a 12% lower offer ($251k) is reasonable based on typical stale-listing flexibility.
- 13 sale attempts since 11y ago; this cycle's ask has dropped $65k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: built in 1922 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 189 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1922 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
- What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
- Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
- 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.
- 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.
- 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
- 0.90% ✗
- Cap rate
- 6.50%
- Cash-on-cash
- 0.73%
- DSCR
- 1.03
- GRM
- 9.3
CMA / ARV
- ARV (on-the-fly)
- $529,173
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1900 17th St S | 0.27mi | 3/1.0 (-1) | 1,649 (-1%) | 1mo | $308,000 | $187 | 76 |
| 2567 15th Ave S | 0.65mi | 4/2.0 | 1,677 (+0%) | 2mo | $264,900 | $158 | 67 |
| 2231 Lamparilla Way S | 0.43mi | 4/2.0 | 1,502 (-10%) | 5mo | $435,000 | $290 | 59 |
| 2570 16th Ave S | 0.60mi | 4/2.0 | 1,637 (-2%) | 16mo | $382,500 | $234 | 56 |
| 1600 27th Ave S | 0.53mi | 3/2.0 (-1) | 1,524 (-9%) | 2mo | $212,000 | $139 | 54 |
| 1511 22nd Ave S | 0.41mi | 3/2.0 (-1) | 1,518 (-9%) | 13mo | $398,000 | $262 | 50 |
| 2527 13th Ave S | 0.70mi | 3/2.5 (-1) | 1,648 (-1%) | 12mo | $315,000 | $191 | 48 |
| 2355 Trelain Dr S | 0.40mi | 3/1.5 (-1) | 1,865 (+12%) | 8mo | $200,000 | $107 | 48 |
| 1717 Preston St S | 0.39mi | 3/2.0 (-1) | 1,421 (-15%) | 11mo | $345,000 | $243 | 43 |
| 1324 13th Ave S | 0.74mi | 3/2.0 (-1) | 1,726 (+4%) | 16mo | $425,000 | $246 | 41 |
| 2230 Melrose Ave S | 0.54mi | 3/2.0 (-1) | 1,466 (-12%) | 11mo | $345,000 | $235 | 40 |
| 2320 13th St S | 0.56mi | 3/2.0 (-1) | 1,914 (+15%) | 8mo | $485,000 | $253 | 37 |
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
- IRR
- -18.6%
- Equity multiple
- 0.37×
- Total profit
- $-50,557
- Equity at exit
- $42,494
- IRR
- -18.5%
- Equity multiple
- 0.14×
- Total profit
- $-68,861
- Equity at exit
- $24,642
Cash invested: $79,800 (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
ZIP-level market 33712
- Rents YoY
- -0.8%
- Active inventory
- 205
- Price-to-rent
- 9.3×
Monthly cashflow live
- Estimated rent
- $2,558 high interval (Pro) →
- Mortgage (P&I)
- −$1,495
- Tax from tax record
- −$359 /mo · $4,307/yr
- Insurance
- −$119
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$537
- Net cashflow
- $48
Break-even live
Sensitivity live
| Price | -10% $210 | -5% $129 | +0% $48 | +5% $-32 | +10% $-113 |
|---|---|---|---|---|---|
| Rent | -10% $-154 | -5% $-53 | +0% $48 | +5% $149 | +10% $250 |
| Rate | -1.0pp $192 | -0.5pp $121 | base $48 | +0.5pp $-25 | +1.0pp $-101 |
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
- $71,250
- Closing costs
- $8,550
- 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
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2033 20th St S Saint Petersburg, FL | 3.0 | 1.0 | 1752 | $1,775 | $1.01 | 7d | 1 | 0.06mi |
| 1911 22nd Ave S St Petersburg, FL | 4.0 | 2.0 | 1424 | $3,000 | $2.11 | 5d | 1 | 0.10mi |
| 2310 21st St S Saint Petersburg, FL | 5.0 | 3.0 | 1500 | $3,460 | $2.31 | 6d | 1 | 0.14mi |
| 1847 19th St S Saint Petersburg, FL | 3.0 | 2.0 | 1203 | $2,295 | $1.91 | 7d | 1 | 0.18mi |
| 2244 21st Ave S Saint Petersburg, FL | 3.0 | 1.0 | 1229 | $2,250 | $1.83 | 7d | 1 | 0.18mi |
| 1900 19th St S Saint Petersburg, FL | 4.0 | 1.0 | 1572 | $2,500 | $1.59 | 7d | 1 | 0.19mi |
| 1900 19th St S Saint Petersburg, FL | 4.0 | 1.0 | 2148 | $2,500 | $1.16 | 27d | 1 | 0.19mi |
| 2435 20th St S Unit 1 St. Petersburg, FL | 4.0 | 2.0 | 1230 | $2,650 | $2.15 | 27d | 1 | 0.21mi |
| 2505 18th St S Saint Petersburg, FL | 3.0 | 2.0 | 1198 | $2,350 | $1.96 | 6d | 1 | 0.26mi |
| 2524 19th St S Saint Petersburg, FL | 4.0 | 2.0 | 1230 | $2,495 | $2.03 | 27d | 1 | 0.28mi |
| 2621 18th St S Saint Petersburg, FL | 3.0 | 1.0 | 1114 | $2,200 | $1.97 | 27d | 1 | 0.36mi |
| 1763 Preston St S Saint Petersburg, FL | 3.0 | 1.0 | 1158 | $2,350 | $2.03 | 27d | 1 | 0.39mi |
| 2245 17th Ave S Saint Petersburg, FL | 4.0 | 2.0 | 1058 | $2,400 | $2.27 | 7d | 1 | 0.42mi |
| 1735 25th St S Unit 1 St. Petersburg, FL | 5.0 | 2.0 | 1543 | $3,250 | $2.11 | 0d | 1 | 0.47mi |
| 1735 25th St S Saint Petersburg, FL | 5.0 | 2.0 | 1453 | $3,250 | $2.24 | 27d | 1 | 0.47mi |
| 1400 21st St S Saint Petersburg, FL | 4.0 | 2.0 | 1487 | $2,970 | $2.00 | 10d | 1 | 0.49mi |
| 1920 14th Ave S Saint Petersburg, FL | 3.0 | 2.0 | 1073 | $1,865 | $1.74 | 27d | 1 | 0.50mi |
| 2551 26th Ave S Saint Petersburg, FL | 4.0 | 2.0 | 1248 | $2,395 | $1.92 | 7d | 1 | 0.52mi |
| 1827 Auburn St S Saint Petersburg, FL | 3.0 | 1.0 | 1056 | $1,855 | $1.76 | 7d | 1 | 0.56mi |
| 2423 Auburn St S Saint Petersburg, FL | 3.0 | 2.0 | 1057 | $1,650 | $1.56 | 27d | 1 | 0.57mi |
| 2425 Auburn St S Saint Petersburg, FL | 3.0 | 2.0 | 1092 | $2,195 | $2.01 | 6d | 1 | 0.57mi |
| 2710 22nd Ave S Saint Petersburg, FL | 3.0 | 1.0 | 1083 | $2,450 | $2.26 | 6d | 1 | 0.59mi |
| 1465 15th St S Saint Petersburg, FL | 3.0 | 1.5 | 1405 | $2,400 | $1.71 | 7d | 1 | 0.61mi |
| 1535 13th St S Saint Petersburg, FL | 4.0 | 2.0 | 1716 | $2,850 | $1.66 | 27d | 1 | 0.65mi |
| 1349 15th St S Saint Petersburg, FL | 3.0 | 2.0 | 1702 | $2,700 | $1.59 | 27d | 1 | 0.68mi |
| 2003 10th St S Saint Petersburg, FL | 4.0 | 2.0 | 1620 | $2,349 | $1.45 | 10d | 1 | 0.72mi |
| 1317 14th St S St Petersburg, FL | 4.0 | 2.0 | 1236 | $2,150 | $1.74 | 27d | 1 | 0.74mi |
| 1013 20th Ave S Saint Petersburg, FL | 4.0 | 2.0 | 1124 | $1,775 | $1.58 | 1d | 1 | 0.78mi |
| 2728 14th Ave S St. Petersburg, FL | 3.0 | 2.0 | 1257 | $2,100 | $1.67 | 10d | 1 | 0.78mi |
| 930 20th Ave S St. Petersburg, FL | 3.0 | 1.0 | 1190 | $1,950 | $1.64 | 1d | 1 | 0.84mi |
| 1218 13th Ave S Saint Petersburg, FL | 3.0 | 2.0 | 1356 | $2,594 | $1.91 | 7d | 1 | 0.85mi |
| 2950 Pallanza Dr S Saint Petersburg, FL | 3.0 | 3.0 | 2015 | $3,250 | $1.61 | 6d | 1 | 0.95mi |
| 773 W Harbor Dr S Saint Petersburg, FL | 4.0 | 2.0 | 1495 | $2,800 | $1.87 | 27d | 1 | 1.07mi |
| 2684 Fairway Ave S Saint Petersburg, FL | 3.0 | 2.0 | 1357 | $1,900 | $1.40 | 6d | 1 | 1.08mi |
| 1121 Dr Martin Luther King Jr St S Saint Petersburg, FL | 3.0 | 2.0 | 1200 | $2,275 | $1.90 | 7d | 1 | 1.10mi |
| 2329 7th St S Saint Petersburg, FL | 3.0 | 3.0 | 1894 | $2,150 | $1.14 | 20d | 1 | 1.13mi |
| 1137 Highland St S Saint Petersburg, FL | 3.0 | 2.0 | 1400 | $2,600 | $1.86 | 4d | 1 | 1.15mi |
| 771 14th Ave S Saint Petersburg, FL | 3.0 | 2.0 | 1184 | $2,850 | $2.41 | 6d | 1 | 1.18mi |
| 985 8th Ave S Unit S St. Petersburg, FL | 3.0 | 1.0 | 1061 | $2,575 | $2.43 | 1d | 1 | 1.21mi |
| 720 Newton Ave S Saint Petersburg, FL | 4.0 | 2.0 | 1320 | $2,500 | $1.89 | 10d | 1 | 1.21mi |
Listing history 47 events
-
2026-03-14status Pending
-
2026-02-19price $285,000
-
2026-02-04price $290,000
-
2026-02-04status Active
-
2026-01-30status Pending
-
2026-01-17price $289,000
-
2026-01-04status Active
-
2025-09-26price $299,000
-
2025-09-19price $305,000
-
2025-08-23price $310,000
-
2025-08-13price $330,000
-
2025-08-07$350,000 Active
-
2021-07-26soldstatus $299,000
-
2021-07-23soldstatus $299,000 Closed 832-char remark
Show marketing remark (832 chars)
As seen on Channel 8. This newly renovated cottage home is Located just 10 min away from Historic Downtown St. Petersburg, lively Gulfport Art District and 15 min from famous St. Pete Beach. You are going to love fresh beach style curb appeal, enclosed yard with a gazebo entertainment area will be perfect for family gatherings. This home features stunning gray kitchen cabinetry with mosaic backsplash, brand new stainless steel appliances, solid stone countertops, designer glass cabinets pulls. This home features many artistic touches such as historic fireplace, designer tile, crystal chandelier in the living room, modern light fixtures throughout entire house, cool decor. Walking distance to Lakefront Dell Holmes Park and Raymond James YMCA. Kids will enjoy waterpark and parents can relax on a bench watching the nature!
-
2021-06-14status Pending 832-char remark
Show marketing remark (832 chars)
As seen on Channel 8. This newly renovated cottage home is Located just 10 min away from Historic Downtown St. Petersburg, lively Gulfport Art District and 15 min from famous St. Pete Beach. You are going to love fresh beach style curb appeal, enclosed yard with a gazebo entertainment area will be perfect for family gatherings. This home features stunning gray kitchen cabinetry with mosaic backsplash, brand new stainless steel appliances, solid stone countertops, designer glass cabinets pulls. This home features many artistic touches such as historic fireplace, designer tile, crystal chandelier in the living room, modern light fixtures throughout entire house, cool decor. Walking distance to Lakefront Dell Holmes Park and Raymond James YMCA. Kids will enjoy waterpark and parents can relax on a bench watching the nature!
-
2021-06-04price $289,000 832-char remark
Show marketing remark (832 chars)
As seen on Channel 8. This newly renovated cottage home is Located just 10 min away from Historic Downtown St. Petersburg, lively Gulfport Art District and 15 min from famous St. Pete Beach. You are going to love fresh beach style curb appeal, enclosed yard with a gazebo entertainment area will be perfect for family gatherings. This home features stunning gray kitchen cabinetry with mosaic backsplash, brand new stainless steel appliances, solid stone countertops, designer glass cabinets pulls. This home features many artistic touches such as historic fireplace, designer tile, crystal chandelier in the living room, modern light fixtures throughout entire house, cool decor. Walking distance to Lakefront Dell Holmes Park and Raymond James YMCA. Kids will enjoy waterpark and parents can relax on a bench watching the nature!
-
2021-05-26price $294,000 832-char remark
Show marketing remark (832 chars)
As seen on Channel 8. This newly renovated cottage home is Located just 10 min away from Historic Downtown St. Petersburg, lively Gulfport Art District and 15 min from famous St. Pete Beach. You are going to love fresh beach style curb appeal, enclosed yard with a gazebo entertainment area will be perfect for family gatherings. This home features stunning gray kitchen cabinetry with mosaic backsplash, brand new stainless steel appliances, solid stone countertops, designer glass cabinets pulls. This home features many artistic touches such as historic fireplace, designer tile, crystal chandelier in the living room, modern light fixtures throughout entire house, cool decor. Walking distance to Lakefront Dell Holmes Park and Raymond James YMCA. Kids will enjoy waterpark and parents can relax on a bench watching the nature!
-
2021-04-14$299,000 Active 832-char remark
Show marketing remark (832 chars)
As seen on Channel 8. This newly renovated cottage home is Located just 10 min away from Historic Downtown St. Petersburg, lively Gulfport Art District and 15 min from famous St. Pete Beach. You are going to love fresh beach style curb appeal, enclosed yard with a gazebo entertainment area will be perfect for family gatherings. This home features stunning gray kitchen cabinetry with mosaic backsplash, brand new stainless steel appliances, solid stone countertops, designer glass cabinets pulls. This home features many artistic touches such as historic fireplace, designer tile, crystal chandelier in the living room, modern light fixtures throughout entire house, cool decor. Walking distance to Lakefront Dell Holmes Park and Raymond James YMCA. Kids will enjoy waterpark and parents can relax on a bench watching the nature!
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2021-04-12historical
-
2021-04-10price $324,000
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2021-03-31status Active
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2021-03-31price $329,000
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2021-03-25status Pending
-
2021-03-22price $298,000
-
2021-02-13status Active
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2021-02-08status Pending
-
2021-02-05status Active
-
2021-01-13status Pending
-
2020-12-28$299,900 Active
-
2020-04-27soldstatus $85,000 Sold
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2020-04-24soldstatus $85,000
-
2020-03-04status Pending
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2020-03-03status Active
-
2020-02-24status Pending
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2020-02-20price $94,000
-
2020-02-19price $95,000
-
2020-02-14status Active
-
2020-02-13status Pending
-
2020-02-06price $99,000
-
2020-01-22$104,900 Active
-
2016-10-06soldstatus $72,000
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2016-04-06soldstatus $27,000 Sold
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2016-01-25status Pending
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2015-12-21status Active
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2015-12-21price $29,900
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2015-11-30historical Contingent - Pending 3rd Party Approval
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2015-11-06$19,900 Active
ⓘ 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
- $4,307 · $359/mo
- Projected year-2 tax
- $4,307 · $359/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 ≥106°F today · 27 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $30,692
- − Mortgage interest
- −$15,964
- − Property taxes
- −$4,307
- − Insurance
- −$1,425
- − Repairs & maintenance
- −$2,455
- − Management
- −$2,455
- − Depreciation
- −$8,291
- Taxable loss
- −$4,205
- Est. tax savings @ 24.0%
- +$1,009
- After-tax cash flow
- $1,590/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 — St. Petersburg
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- Census place
- St. Petersburg, FL
- County
- Pinellas County · 939,478 people
- City population
- 249,151
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 27,142
- Household income
- $60,450
- Rent vs Own
- Severe rent burden
- 1928.0
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 Black (68%)
- Race & ethnicity
- Black 68% White 23% Two or more races 6% Hispanic / Latino 4%
- Common ancestry
- Lithuanian 1% Slovak 1% Estonian 1%
- Foreign-born
- 7% · Canada, Jamaica
- Languages at home
- 92% English-only · French/Haitian/Cajun 3% Spanish 3% Other Indo-European 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
- ▼ -275.45%
- Current HPI
- 412.7251
- Rent YoY
- ▼ -0.77%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+1332.2% since first listed47 events — show timeline
- 2026-03-14 Pending — Stellar MLS as Distributed by MLS Grid
- 2026-02-19 Price Changed $285,000 Stellar MLS as Distributed by MLS Grid
- 2026-02-04 Price Changed $290,000 Stellar MLS as Distributed by MLS Grid
- 2026-02-04 Relisted — Stellar MLS as Distributed by MLS Grid
- 2026-01-30 Pending — Stellar MLS as Distributed by MLS Grid
- 2026-01-17 Price Changed $289,000 Stellar MLS as Distributed by MLS Grid
- 2026-01-04 Relisted — Stellar MLS as Distributed by MLS Grid
- 2025-09-26 Price Changed $299,000 Stellar MLS as Distributed by MLS Grid
- 2025-09-19 Price Changed $305,000 Stellar MLS as Distributed by MLS Grid
- 2025-08-23 Price Changed $310,000 Stellar MLS as Distributed by MLS Grid
- 2025-08-13 Price Changed $330,000 Stellar MLS as Distributed by MLS Grid
- 2025-08-07 Listed $350,000 Stellar MLS as Distributed by MLS Grid
- 2021-07-26 Sold (Public Records) $299,000 Public Records
- 2021-07-23 Sold (MLS) $299,000 Stellar MLS as Distributed by MLS Grid
- 2021-06-14 Pending — Stellar MLS as Distributed by MLS Grid
- 2021-06-04 Price Changed $289,000 Stellar MLS as Distributed by MLS Grid
- 2021-05-26 Price Changed $294,000 Stellar MLS as Distributed by MLS Grid
- 2021-04-14 Listed $299,000 Stellar MLS as Distributed by MLS Grid
- 2021-04-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2021-04-10 Price Changed $324,000 Stellar MLS as Distributed by MLS Grid
- 2021-03-31 Relisted — Stellar MLS as Distributed by MLS Grid
- 2021-03-31 Price Changed $329,000 Stellar MLS as Distributed by MLS Grid
- 2021-03-25 Pending — Stellar MLS as Distributed by MLS Grid
- 2021-03-22 Price Changed $298,000 Stellar MLS as Distributed by MLS Grid
- 2021-02-13 Relisted — Stellar MLS as Distributed by MLS Grid
- 2021-02-08 Pending — Stellar MLS as Distributed by MLS Grid
- 2021-02-05 Relisted — Stellar MLS as Distributed by MLS Grid
- 2021-01-13 Pending — Stellar MLS as Distributed by MLS Grid
- 2020-12-28 Listed $299,900 Stellar MLS as Distributed by MLS Grid
- 2020-04-27 Sold (MLS) $85,000 Stellar MLS as Distributed by MLS Grid
- 2020-04-24 Sold (Public Records) $85,000 Public Records
- 2020-03-04 Pending — Stellar MLS as Distributed by MLS Grid
- 2020-03-03 Relisted — Stellar MLS as Distributed by MLS Grid
- 2020-02-24 Pending — Stellar MLS as Distributed by MLS Grid
- 2020-02-20 Price Changed $94,000 Stellar MLS as Distributed by MLS Grid
- 2020-02-19 Price Changed $95,000 Stellar MLS as Distributed by MLS Grid
- 2020-02-14 Relisted — Stellar MLS as Distributed by MLS Grid
- 2020-02-13 Pending — Stellar MLS as Distributed by MLS Grid
- 2020-02-06 Price Changed $99,000 Stellar MLS as Distributed by MLS Grid
- 2020-01-22 Listed $104,900 Stellar MLS as Distributed by MLS Grid
- 2016-10-06 Sold (Public Records) $72,000 Public Records
- 2016-04-06 Sold (MLS) $27,000 Stellar MLS as Distributed by MLS Grid
- 2016-01-25 Pending — Stellar MLS as Distributed by MLS Grid
- 2015-12-21 Relisted — Stellar MLS as Distributed by MLS Grid
- 2015-12-21 Price Changed $29,900 Stellar MLS as Distributed by MLS Grid
- 2015-11-30 Contingent — Stellar MLS as Distributed by MLS Grid
- 2015-11-06 Listed $19,900 Stellar MLS as Distributed by MLS Grid
Property tax history
+15.5%/yrLatest (2025): $4,307 · +0.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…