6015 Laketree Ln Unit B · Temple Terrace, FL 33617

$100,000

3 bd · 2.0 ba · 1,118 sqft · Condo public records · 31 Days on market

Built 1986 $777/mo HOA · 43% of rent

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Why this score? — see what drove the C- 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 +15.7/30.0
• 1% rule +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +4.8/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Under contract-accepting backup offers. Welcome to Raintree Village, a picturesque, tree-lined community where peaceful ponds and charming bridges create a tucked-away feel while still keeping you close to everything Tampa has to offer. Nestled within Temple Terrace, this location blends natural beauty with everyday convenience in one of the area’s most centrally positioned neighborhoods. This second-floor condo offers 2 bedrooms, 2 bathrooms, and over 1,100 square feet of living space, with no neighbors above you for added privacy. Step inside to an open floorplan that serves as a true blank canvas, ready for your personal touch. The living and dining areas flow seamlessly together, creating an easy and functional layout for both everyday living and entertaining. The kitchen is open to the main living space and features a peninsula-style counter that naturally connects the areas, offering additional prep space and keeping everything feeling open. The primary suite features its own ensuite bathroom and a spacious walk-in closet, while the guest bedroom is thoughtfully positioned next to the guest bathroom, offering a comfortable and private setup for family or visitors. Step outside to your screened-in balcony with privacy shades, creating a quiet outdoor retreat to relax and unwind. A private laundry area adds to the everyday convenience. This home offers incredible potential, making it an excellent opportunity for both homeowners and investors looking to add value. Residents of Raintree Village enjoy a true maintenance-free lifestyle with an all-inclusive HOA that covers water, sewer, trash, cable, high-speed internet, and exterior upkeep. Community amenities include multiple swimming pools, tennis and racquetball courts, walking trails, and a clubhouse, all set within a scenic, waterfront-inspired setting with no flood insurance required. The location is hard to beat, just minutes from University of South Florida, Moffitt Cancer Center, and Busch Gardens Tampa Bay, with easy access to I-75, I-275, and I-4 for a smooth commute throughout the Tampa Bay area. Enjoy being close to local favorites like Temple Terrace Golf & Country Club and Lettuce Lake Park, where you can spend your days golfing, walking scenic boardwalks, kayaking along the Hillsborough River, or simply soaking in the natural beauty of the area. With nearby shopping, dining, and everyday conveniences just minutes away, this location offers the perfect balance of peaceful living and city accessibility. Whether you're searching for an affordable place to call home or a smart investment opportunity in a prime location, this condo is sure to deliver. Schedule your showing today!

Key facts

• Open floorplan
• Screened in balcony
• Private laundry area

Tags

• SCREENED IN BALCONY
• OPEN FLOORPLAN
• PENINSULA STYLE COUNTER
• PRIVATE LAUNDRY AREA
• MULTIPLE SWIMMING POOLS
• TENNIS AND RACQUETBALL COURTS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath condo listed at $100k.

Deal economics

• At list price, monthly cash flow is $43 ($518/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 80/100 on livability (#123 in FL, #1,870 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, cost of living A-; Watch: crime D+, amenities 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.
• Market conditions: Rents soft (-0.3%/yr); 282 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 43% of the median local income ($51k/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 $691 of loan paydown is wiped out by about $3k 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 31 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 12y ago; this cycle's ask has dropped $35k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $56k; list at $100k implies a 79% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 43% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $97,000 (3.0% below list)

Questions for the listing agent

1. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. 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.
7. 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.
8. 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: 1.81% ✓
• Cap rate: 6.81%
• Cash-on-cash: 1.85%
• DSCR: 1.08
• GRM: 4.6

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: -19.7%
• Equity multiple: 0.35×
• Total profit: $-18,303
• Equity at exit: $14,910

10-year hold

• IRR: -39.5%
• Equity multiple: -0.11×
• Total profit: $-31,036
• Equity at exit: $8,646

Cash invested: $28,000 (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 33617

• Rents YoY: -0.3%
• Active inventory: 282
• Price-to-rent: 4.6×

Monthly cashflow live

• Estimated rent: $1,808 high
• Mortgage (P&I): −$524
• Tax from tax record: −$42 /mo · $508/yr
• Insurance: −$42
• HOA: −$777
• Vacancy / Maint / Mgmt: −$380
• Net cashflow: $43

Break-even live

Break-even rent $1,754

Max offer price $100,000

Occupancy floor 93%

Sensitivity live

Price	-10% $100	-5% $71	+0% $43	+5% $15	+10% $-13
Rent	-10% $-100	-5% $-28	+0% $43	+5% $115	+10% $186
Rate	-1.0pp $93	-0.5pp $69	base $43	+0.5pp $17	+1.0pp $-9

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11857 Northtrail Ave Temple Terrace, FL	2.0	1.5	1104	$2,550	$2.31	25d	1	0.14mi
11809 Raintree Lake Ln Unit B Tampa, FL	2.0	2.0	960	$1,700	$1.77	25d	1	0.15mi
11830 Skylake Pl #12 Temple Terrace, FL	2.0	2.0	1350	$1,695	$1.26	5d	1	0.17mi
11830 Skylake Pl #12 Temple Terrace, FL	2.0	2.0	1350	$1,695	$1.26	0d	1	0.17mi
6002 Laketree Ln Tampa, FL	2.0	2.0	1012	$1,675	$1.66	22d	1	0.18mi
6002 Laketree Ln Temple Terrace, FL	2.0	2.0	1012	$1,700	$1.68	24d	2	0.18mi
11720 Raintree Village Blvd Unit D Temple Terrace, FL	2.0	2.0	960	$2,400	$2.50	5d	1	0.25mi
11720 Raintree Village Blvd Unit A Temple Terrace, FL	2.0	2.0	960	$1,595	$1.66	10d	1	0.25mi
5902 E 122nd Ave Tampa, FL	2.0	1.0	820	$1,508	$1.84	5d	1	0.26mi
11703 Raintree Village Blvd Unit B Temple Terrace, FL	2.0	2.0	960	$1,675	$1.74	18d	1	0.27mi
12216 N 59th St Apt E Tampa, FL	2.0	1.5	850	$1,330	$1.56	11d	1	0.29mi
12216 N 59th St Unit B Tampa, FL	2.0	1.5	850	$1,330	$1.56	15d	1	0.29mi
6064 Gibson Ave Tampa, FL	3.0	3.5	1423	$1,724	$1.21	0d	6	0.31mi
12410 N 59th St Unit B Tampa, FL	3.0	1.0	800	$1,695	$2.12	24d	1	0.31mi
5822 Nature Terrace Cv Tampa, FL	2.0	2.0	1305	$1,995	$1.53	0d	1	0.32mi
5709 Las Ventanas Dr Tampa, FL	3.0–4.0	3.5	1550	$1,995	$1.29	5d	4	0.37mi
12310 Touchton Dr #42 Tampa, FL	2.0	1.5	1143	$1,450	$1.27	25d	1	0.37mi
12710 English Hills Ct Tampa, FL	2.0	1.0	750	$1,229	$1.64	5d	17	0.39mi
12430 Touchton Dr #102 Tampa, FL	2.0	1.5	1012	$1,650	$1.63	25d	1	0.40mi
11716 N 58th St Temple Terrace, FL	1.0–2.0	1.0	635	$1,099	$1.73	3d	29	0.40mi
12414 Touchton Dr #97 Tampa, FL	2.0	1.5	1050	$1,750	$1.67	25d	1	0.41mi
11359 Stratton Park Dr Temple Terrace, FL	2.0	2.5	1110	$2,100	$1.89	25d	1	0.55mi
11355 Regal Square Dr Temple Terrace, FL	2.0	2.5	1200	$1,750	$1.46	22d	1	0.58mi
6400 Markstown Dr Tampa, FL	2.0	1.0–2.0	877	$1,719	$1.96	25d	1	0.61mi
5304 Mary Ct Tampa, FL	2.0	2.0	1100	$1,683	$1.53	15d	1	0.71mi
11306 Rifka Ct Tampa, FL	2.0	2.0	1100	$1,683	$1.53	18d	1	0.73mi
11301 Devorah Ct Tampa, FL	2.0	2.0	1100	$1,583	$1.44	22d	1	0.74mi
11301 N 53rd St Temple Terrace, FL	2.0	2.0	1100	$1,583	$1.44	0d	2	0.74mi
11304 Devorah Ct Tampa, FL	2.0	2.0	1100	$1,583	$1.44	2d	1	0.74mi
11316 N 52nd St Tampa, FL	2.0	1.0	1000	$1,400	$1.40	22d	1	0.86mi
11314 N 52nd St Unit B17 Tampa, FL	2.0	1.0	1000	$1,400	$1.40	0d	1	0.88mi
11314 N 52nd St Unit B12 Tampa, FL	2.0	1.0	1000	$1,500	$1.50	5d	1	0.88mi
11314 N 52nd St Unit B13 Tampa, FL	2.0	1.0	1000	$1,300	$1.30	25d	1	0.88mi
11314 N 52nd St Unit B17 Tampa, FL	2.0	1.0	1000	$1,400	$1.40	5d	1	0.88mi
11314 N 52nd St Unit B5 Tampa, FL	2.0	1.0	1000	$1,400	$1.40	18d	1	0.88mi
210 Temple Valley Dr Temple Terrace, FL	3.0	2.0	1063	$1,950	$1.83	0d	1	0.88mi
11316 N 52nd St Unit C14 Tampa, FL	2.0	1.0	1000	$1,400	$1.40	18d	1	0.88mi
11110 N 56th St Temple Terrace, FL	1.0–2.0	1.0–2.5	1130	$1,950	$1.73	0d	4	0.89mi
11312 N 52nd St Tampa, FL	2.0	1.0	1000	$1,400	$1.40	22d	1	0.89mi
11312 N 52nd St Unit A16 Tampa, FL	2.0	1.0	1000	$1,400	$1.40	0d	1	0.89mi

HOA detail condo

• Monthly dues: $777 · $9,324/yr
• Likely covers: watersewertrashinternetcablepool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 9 events

1. 2026-05-18
   status Pending 2701-char remark

   Show marketing remark (2701 chars)

   Under contract-accepting backup offers. Welcome to Raintree Village, a picturesque, tree-lined community where peaceful ponds and charming bridges create a tucked-away feel while still keeping you close to everything Tampa has to offer. Nestled within Temple Terrace, this location blends natural beauty with everyday convenience in one of the area’s most centrally positioned neighborhoods. This second-floor condo offers 2 bedrooms, 2 bathrooms, and over 1,100 square feet of living space, with no neighbors above you for added privacy. Step inside to an open floorplan that serves as a true blank canvas, ready for your personal touch. The living and dining areas flow seamlessly together, creating an easy and functional layout for both everyday living and entertaining. The kitchen is open to the main living space and features a peninsula-style counter that naturally connects the areas, offering additional prep space and keeping everything feeling open. The primary suite features its own ensuite bathroom and a spacious walk-in closet, while the guest bedroom is thoughtfully positioned next to the guest bathroom, offering a comfortable and private setup for family or visitors. Step outside to your screened-in balcony with privacy shades, creating a quiet outdoor retreat to relax and unwind. A private laundry area adds to the everyday convenience. This home offers incredible potential, making it an excellent opportunity for both homeowners and investors looking to add value. Residents of Raintree Village enjoy a true maintenance-free lifestyle with an all-inclusive HOA that covers water, sewer, trash, cable, high-speed internet, and exterior upkeep. Community amenities include multiple swimming pools, tennis and racquetball courts, walking trails, and a clubhouse, all set within a scenic, waterfront-inspired setting with no flood insurance required. The location is hard to beat, just minutes from University of South Florida, Moffitt Cancer Center, and Busch Gardens Tampa Bay, with easy access to I-75, I-275, and I-4 for a smooth commute throughout the Tampa Bay area. Enjoy being close to local favorites like Temple Terrace Golf & Country Club and Lettuce Lake Park, where you can spend your days golfing, walking scenic boardwalks, kayaking along the Hillsborough River, or simply soaking in the natural beauty of the area. With nearby shopping, dining, and everyday conveniences just minutes away, this location offers the perfect balance of peaceful living and city accessibility. Whether you're searching for an affordable place to call home or a smart investment opportunity in a prime location, this condo is sure to deliver. Schedule your showing today!

2. 2026-05-15
   price $100,000 2701-char remark

   Show marketing remark (2701 chars)

   Under contract-accepting backup offers. Welcome to Raintree Village, a picturesque, tree-lined community where peaceful ponds and charming bridges create a tucked-away feel while still keeping you close to everything Tampa has to offer. Nestled within Temple Terrace, this location blends natural beauty with everyday convenience in one of the area’s most centrally positioned neighborhoods. This second-floor condo offers 2 bedrooms, 2 bathrooms, and over 1,100 square feet of living space, with no neighbors above you for added privacy. Step inside to an open floorplan that serves as a true blank canvas, ready for your personal touch. The living and dining areas flow seamlessly together, creating an easy and functional layout for both everyday living and entertaining. The kitchen is open to the main living space and features a peninsula-style counter that naturally connects the areas, offering additional prep space and keeping everything feeling open. The primary suite features its own ensuite bathroom and a spacious walk-in closet, while the guest bedroom is thoughtfully positioned next to the guest bathroom, offering a comfortable and private setup for family or visitors. Step outside to your screened-in balcony with privacy shades, creating a quiet outdoor retreat to relax and unwind. A private laundry area adds to the everyday convenience. This home offers incredible potential, making it an excellent opportunity for both homeowners and investors looking to add value. Residents of Raintree Village enjoy a true maintenance-free lifestyle with an all-inclusive HOA that covers water, sewer, trash, cable, high-speed internet, and exterior upkeep. Community amenities include multiple swimming pools, tennis and racquetball courts, walking trails, and a clubhouse, all set within a scenic, waterfront-inspired setting with no flood insurance required. The location is hard to beat, just minutes from University of South Florida, Moffitt Cancer Center, and Busch Gardens Tampa Bay, with easy access to I-75, I-275, and I-4 for a smooth commute throughout the Tampa Bay area. Enjoy being close to local favorites like Temple Terrace Golf & Country Club and Lettuce Lake Park, where you can spend your days golfing, walking scenic boardwalks, kayaking along the Hillsborough River, or simply soaking in the natural beauty of the area. With nearby shopping, dining, and everyday conveniences just minutes away, this location offers the perfect balance of peaceful living and city accessibility. Whether you're searching for an affordable place to call home or a smart investment opportunity in a prime location, this condo is sure to deliver. Schedule your showing today!

3. 2026-04-27
   price $120,000 2701-char remark

   Show marketing remark (2701 chars)

   Under contract-accepting backup offers. Welcome to Raintree Village, a picturesque, tree-lined community where peaceful ponds and charming bridges create a tucked-away feel while still keeping you close to everything Tampa has to offer. Nestled within Temple Terrace, this location blends natural beauty with everyday convenience in one of the area’s most centrally positioned neighborhoods. This second-floor condo offers 2 bedrooms, 2 bathrooms, and over 1,100 square feet of living space, with no neighbors above you for added privacy. Step inside to an open floorplan that serves as a true blank canvas, ready for your personal touch. The living and dining areas flow seamlessly together, creating an easy and functional layout for both everyday living and entertaining. The kitchen is open to the main living space and features a peninsula-style counter that naturally connects the areas, offering additional prep space and keeping everything feeling open. The primary suite features its own ensuite bathroom and a spacious walk-in closet, while the guest bedroom is thoughtfully positioned next to the guest bathroom, offering a comfortable and private setup for family or visitors. Step outside to your screened-in balcony with privacy shades, creating a quiet outdoor retreat to relax and unwind. A private laundry area adds to the everyday convenience. This home offers incredible potential, making it an excellent opportunity for both homeowners and investors looking to add value. Residents of Raintree Village enjoy a true maintenance-free lifestyle with an all-inclusive HOA that covers water, sewer, trash, cable, high-speed internet, and exterior upkeep. Community amenities include multiple swimming pools, tennis and racquetball courts, walking trails, and a clubhouse, all set within a scenic, waterfront-inspired setting with no flood insurance required. The location is hard to beat, just minutes from University of South Florida, Moffitt Cancer Center, and Busch Gardens Tampa Bay, with easy access to I-75, I-275, and I-4 for a smooth commute throughout the Tampa Bay area. Enjoy being close to local favorites like Temple Terrace Golf & Country Club and Lettuce Lake Park, where you can spend your days golfing, walking scenic boardwalks, kayaking along the Hillsborough River, or simply soaking in the natural beauty of the area. With nearby shopping, dining, and everyday conveniences just minutes away, this location offers the perfect balance of peaceful living and city accessibility. Whether you're searching for an affordable place to call home or a smart investment opportunity in a prime location, this condo is sure to deliver. Schedule your showing today!

4. 2026-04-16
   listed $135,000 Active 2701-char remark

   Show marketing remark (2701 chars)

   Under contract-accepting backup offers. Welcome to Raintree Village, a picturesque, tree-lined community where peaceful ponds and charming bridges create a tucked-away feel while still keeping you close to everything Tampa has to offer. Nestled within Temple Terrace, this location blends natural beauty with everyday convenience in one of the area’s most centrally positioned neighborhoods. This second-floor condo offers 2 bedrooms, 2 bathrooms, and over 1,100 square feet of living space, with no neighbors above you for added privacy. Step inside to an open floorplan that serves as a true blank canvas, ready for your personal touch. The living and dining areas flow seamlessly together, creating an easy and functional layout for both everyday living and entertaining. The kitchen is open to the main living space and features a peninsula-style counter that naturally connects the areas, offering additional prep space and keeping everything feeling open. The primary suite features its own ensuite bathroom and a spacious walk-in closet, while the guest bedroom is thoughtfully positioned next to the guest bathroom, offering a comfortable and private setup for family or visitors. Step outside to your screened-in balcony with privacy shades, creating a quiet outdoor retreat to relax and unwind. A private laundry area adds to the everyday convenience. This home offers incredible potential, making it an excellent opportunity for both homeowners and investors looking to add value. Residents of Raintree Village enjoy a true maintenance-free lifestyle with an all-inclusive HOA that covers water, sewer, trash, cable, high-speed internet, and exterior upkeep. Community amenities include multiple swimming pools, tennis and racquetball courts, walking trails, and a clubhouse, all set within a scenic, waterfront-inspired setting with no flood insurance required. The location is hard to beat, just minutes from University of South Florida, Moffitt Cancer Center, and Busch Gardens Tampa Bay, with easy access to I-75, I-275, and I-4 for a smooth commute throughout the Tampa Bay area. Enjoy being close to local favorites like Temple Terrace Golf & Country Club and Lettuce Lake Park, where you can spend your days golfing, walking scenic boardwalks, kayaking along the Hillsborough River, or simply soaking in the natural beauty of the area. With nearby shopping, dining, and everyday conveniences just minutes away, this location offers the perfect balance of peaceful living and city accessibility. Whether you're searching for an affordable place to call home or a smart investment opportunity in a prime location, this condo is sure to deliver. Schedule your showing today!

5. 2014-05-08
   soldstatus $56,000
6. 2014-05-07
   soldstatus $56,000 Sold 336-char remark

   Show marketing remark (336 chars)

   Opportunity to move into the Raintree Community in Temple Terrace immediately! Need a home near USF, Florida Hospital, Moffitt or the VA, plus I-75? 2/2 Condo unit with screened balcony, large living room & master bedroom. Washer and dryer are staying! Highly motivated seller, please bring offers! Condo doc available on request.

7. 2014-04-07
   status Pending 336-char remark

   Show marketing remark (336 chars)

   Opportunity to move into the Raintree Community in Temple Terrace immediately! Need a home near USF, Florida Hospital, Moffitt or the VA, plus I-75? 2/2 Condo unit with screened balcony, large living room & master bedroom. Washer and dryer are staying! Highly motivated seller, please bring offers! Condo doc available on request.

8. 2014-01-21
   listed $60,000 Active 336-char remark

   Show marketing remark (336 chars)

   Opportunity to move into the Raintree Community in Temple Terrace immediately! Need a home near USF, Florida Hospital, Moffitt or the VA, plus I-75? 2/2 Condo unit with screened balcony, large living room & master bedroom. Washer and dryer are staying! Highly motivated seller, please bring offers! Condo doc available on request.

9. 1998-11-30
   soldstatus $56,800

ⓘ 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: $508 · $42/mo
• Projected year-2 tax: $830 · $69/mo
• Expected delta: +$322/yr (+$27/mo · 63.4%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥110°F today · 25 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,699
• − Mortgage interest: −$5,602
• − Property taxes: −$508
• − Insurance: −$500
• − Repairs & maintenance: −$1,736
• − Management: −$1,736
• − HOA: −$9,324
• − Depreciation: −$2,909
• Taxable loss: −$615
• Est. tax savings @ 24.0%: +$148
• After-tax cash flow: $665/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: 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

Livability — Temple Terrace

• Score: 80/100
• State rank: #123
• US rank: #1870

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple Terrace, FL
• County: Hillsborough County · 1,540,968 people
• City population: 65,509
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 47,851
• Household income: $50,948
• Rent vs Own: 56.8% rent · 43.2% own
• Severe rent burden: 3295.0

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%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: Black 36% White 33% Hispanic / Latino 23% Two or more races 14% Asian 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 7% Cuban 4% Dominican 2%
• Common ancestry: Hispanic 3% Lithuanian 1% Romanian 1%
• Foreign-born: 17% · Canada, Vietnam, Jamaica
• Languages at home: 74% English-only · Spanish 15% Arabic 3% French/Haitian/Cajun 3%

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: ▼ -243.20%
• Current HPI: 352.4572
• Rent YoY: ▼ -0.33%
• 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

+76.1% since first listed

9 events — show timeline

• 2026-05-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-15 Price Changed $100,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $120,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-16 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 2014-05-08 Sold (Public Records) $56,000 Public Records
• 2014-05-07 Sold (MLS) $56,000 Stellar MLS as Distributed by MLS Grid
• 2014-04-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-01-21 Listed $60,000 Stellar MLS as Distributed by MLS Grid
• 1998-11-30 Sold (Public Records) $56,800 Public Records

Property tax history

-2.7%/yr

Latest (2025): $508 · +6.5% YoY. Source: county tax records.