Parker Plan · Wimauma, FL 33598

$332,900

4 bd · 2.0 ba · 1,715 sqft · SingleFamily · 546 Days on market

Excellent condition ↓ 3% since listing

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +10.5/30.0
• ARV discount +7.5/15.0
• Condition / age +4.8/5.0
• Appreciation +3.8/10.0
• Schools +3.2/10.0
• Livability +3.2/5.0
• 1% rule +3.1/10.0
• DSCR +3.0/10.0
• Rent growth +1.9/5.0

Listing remarks MLS

Welcome home to the Parker by Highland Homes! A homeowner-favorite, this popular plan is designed with a Craftsman-style front porch, a fully open living area, and a luxurious owner's suite! The Parker features: A sunny, open living area and kitchen with a counter-height island, walk-in pantry, and adjacent dining cafe, all under an airy volume ceiling. A spacious owner's suite with a spa-like en-suite bath including dual vanities, a garden tub, a tiled shower, a closeted toilet, and a walk-in wardrobe Do not prefer a tub? Select the optional bath layout with an enlarged shower and linen closet in lieu of the garden tub. . . Laundry room with drop zone at the garage entry. Covered lanai with access from the cafe (optional sliding glass door in the owner's suite). Multiple exterior elevations to choose from. Base price includes a standard homesite and included features, per community. Homesite premiums and elevation, plan, and design upgrade options may be additional.

Key facts

• Sunny dining cafe
• Large gathering room
• Airy volume ceiling

Tags

• CRAFTSMAN-STYLE EXTERIOR
• FULLY OPEN LIVING AREA
• LARGE GATHERING ROOM
• WALK-IN PANTRY
• SUNNY DINING CAFE
• AIRY VOLUME CEILING

🏗️ New construction. The $332,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $347,870.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $333k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-176 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $322k (3.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $282k (15.3% below list).
• Recommended offer: $282k (15.3% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 4.5% in Wimauma — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 64/100 on livability (#699 in FL) — a middle-class / working-renter tenant base. Strengths: commute A, cost of living A-, crime B; Watch: amenities F, employment D-, health & safety F.
• Hillsborough (suburban): math 47% / reading 50% proficiency, ranked #41 of 73 in FL (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Wimauma Elementary School (math 31% / reading 29%, grade F, #1,882 of 2,144 statewide, top 88%, 543 students, 81% FRL); Shields Middle School (math 29% / reading 27%, grade F, #486 of 571 statewide, top 86%, 1,867 students, 68% FRL); Lennard High School (math 30% / reading 46%, grade F, #328 of 667 statewide, top 50%, 2,404 students, 47% FRL).
• Zoned-school proficiency averages 32% at this address vs 48% district-wide (-16 pts) — the specific schools serving this property underperform the Hillsborough average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-2.5%/yr); 858 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 60d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 83% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 35% of the median local income ($98k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-2.4%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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 546 days — a 12% lower offer ($293k) is reasonable based on typical stale-listing flexibility.

Recommended offer $282,021 (15.3% 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 546 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. 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.
8. 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.
9. 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: 0.81% ✗
• Cap rate: 5.69%
• Cash-on-cash: -2.17%
• DSCR: 0.90
• GRM: 10.3

CMA / ARV

• ARV (median comp): $347,870
• List price: $332,900
• Delta: -4.30%
• Verdict: FAIR
• Comps: 13 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6039 Dropwort Dr	0.46mi	4/2.0	1,715 (0%)	1mo	$332,900	$194	78
6035 Mangrove Creek Rd	0.37mi	4/2.0	1,715 (0%)	7mo	$346,345	$202	77
6012 Mangrove Creek Rd	0.36mi	4/2.0	1,715 (0%)	9mo	$342,900	$200	76
6030 Mangrove Creek Rd	0.34mi	4/2.0	1,715 (0%)	12mo	$357,670	$209	74
5933 Ballast Dr	0.56mi	4/2.0	1,715 (0%)	2mo	$352,340	$205	72
6023 Ballast Dr	0.52mi	4/2.0	1,715 (0%)	7mo	$353,145	$206	70
6051 Dropwort Dr	0.44mi	4/2.0	1,819 (+6%)	1mo	$342,900	$189	69
5936 Ballast Dr	0.53mi	4/2.0	1,819 (+6%)	0mo	$346,180	$190	64
6058 Mangrove Creek Rd	0.33mi	3/2.0 (-1)	1,545 (-10%)	0mo	$323,900	$210	63
5960 Ballast Dr	0.52mi	3/2.0 (-1)	1,545 (-10%)	0mo	$321,450	$208	54
5977 Ballast Dr	0.54mi	3/2.0 (-1)	1,479 (-14%)	0mo	$305,900	$207	46

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-2.35% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -18.6%
• Equity multiple: 0.32×
• Total profit: $-66,203
• Equity at exit: $62,085

10-year hold

• IRR: -16.9%
• Equity multiple: 0.02×
• Total profit: $-95,444
• Equity at exit: $47,924

Cash invested: $97,404 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

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

Active competition Active MLS

• For sale now: 34 active · 27 under contract
• Months of supply: 25.5 mo (4%/mo absorbed)
• Median asking: $325,990 ($187/sqft)
• Median days on market: 47 d
• This list price: 59% of active listings are priced below it
• ARV vs active asking: +8.4% vs current asking $/sqft

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

ZIP-level market 33598

• Home prices YoY: -0.9%
• Rents YoY: -2.5%
• Active inventory: 858
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $2,820 high
• Mortgage (P&I): −$1,824
• Tax est. 1.5%: −$435 /mo · $5,218/yr
• Insurance: −$145
• HOA: −$0
• Vacancy / Maint / Mgmt: −$592
• Net cashflow: $-176

Break-even live

Break-even rent $3,043

Max offer price $322,390

Occupancy floor —

Sensitivity live

Price	-10% $64	-5% $-56	+0% $-176	+5% $-296	+10% $-416
Rent	-10% $-399	-5% $-287	+0% $-176	+5% $-65	+10% $47
Rate	-1.0pp $-1	-0.5pp $-88	base $-176	+0.5pp $-266	+1.0pp $-358

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: $86,967
• Closing costs: $10,436
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2467 White Ladyfish Rd Wimauma, FL	3.0	2.0	1496	$2,100	$1.40	73d	1	0.65mi
2215 Red Crossbill St Wimauma, FL	5.0	3.0	2200	$2,650	$1.20	38d	1	1.10mi
5771 Red Kite Dr Wimauma, FL	5.0	3.0	2200	$2,650	$1.20	73d	1	1.13mi
5757 Red Kite Dr Wimauma, FL	5.0	3.0	2200	$2,630	$1.20	60d	1	1.15mi
5615 Red Kite Dr Wimauma, FL	5.0	3.0	2112	$3,000	$1.42	52d	1	1.19mi
2255 Blue Grosbeak Pl Wimauma, FL	4.0	2.5	1874	$2,600	$1.39	11d	1	1.20mi

Listing history 50 events

1. 2026-08-08
   days on market $332,900 Active 546 DOM
2. 2026-08-06
   days on market $332,900 Active 544 DOM
3. 2026-08-05
   days on market $332,900 Active 543 DOM
4. 2026-08-04
   days on market $332,900 Active 542 DOM
5. 2026-08-03
   days on market $332,900 Active 541 DOM
6. 2026-07-31
   days on market $332,900 Active 538 DOM
7. 2026-07-30
   days on market $332,900 Active 536 DOM
8. 2026-07-28
   days on market $332,900 Active 535 DOM
9. 2026-07-26
   days on market $332,900 Active 533 DOM
10. 2026-07-24
    days on market $332,900 Active 531 DOM
11. 2026-07-23
    days on market $332,900 Active 530 DOM
12. 2026-07-22
    days on market $332,900 Active 529 DOM
13. 2026-07-21
    days on market $332,900 Active 528 DOM
14. 2026-07-20
    days on market $332,900 Active 527 DOM
15. 2026-07-18
    days on market $332,900 Active 524 DOM
16. 2026-07-16
    days on market $332,900 Active 523 DOM
17. 2026-07-15
    days on market $332,900 Active 522 DOM
18. 2026-07-13
    days on market $332,900 Active 520 DOM
19. 2026-07-13
    days on market $332,900 Active 519 DOM
20. 2026-07-11
    days on market $332,900 Active 518 DOM
21. 2026-07-10
    days on market $332,900 Active 517 DOM
22. 2026-07-09
    days on market $332,900 Active 516 DOM
23. 2026-07-07
    days on market $332,900 Active 514 DOM
24. 2026-07-06
    days on market $332,900 Active 513 DOM
25. 2026-07-06
    days on market $332,900 Active 512 DOM
26. 2026-07-04
    days on market $332,900 Active 510 DOM
27. 2026-07-02
    days on market $332,900 Active 509 DOM
28. 2026-07-01
    days on market $332,900 Active 508 DOM
29. 2026-06-30
    days on market $332,900 Active 507 DOM
30. 2026-06-29
    days on market $332,900 Active 506 DOM
31. 2026-06-28
    days on market $332,900 Active 505 DOM
32. 2026-06-27
    days on market $332,900 Active 504 DOM
33. 2026-06-26
    days on market $332,900 Active 503 DOM
34. 2026-06-24
    days on market $332,900 Active 501 DOM
35. 2026-06-22
    days on market $332,900 Active 499 DOM
36. 2026-06-21
    days on market $332,900 Active 498 DOM
37. 2026-06-18
    days on market $332,900 Active 495 DOM
38. 2026-06-17
    days on market $332,900 Active 494 DOM
39. 2026-06-16
    days on market $332,900 Active 493 DOM
40. 2026-06-15
    days on market $332,900 Active 492 DOM
41. 2026-06-13
    days on market $332,900 Active 490 DOM
42. 2026-06-13
    days on market $332,900 Active 489 DOM
43. 2026-06-09
    days on market $332,900 Active 486 DOM
44. 2026-06-08
    days on market $332,900 Active 485 DOM
45. 2026-06-07
    days on market $332,900 Active 484 DOM
46. 2026-06-04
    days on market $332,900 Active 481 DOM
47. 2026-06-03
    days on market $332,900 Active 480 DOM
48. 2026-06-02
    days on market $332,900 Active 479 DOM
49. 2026-06-01
    days on market $332,900 Active 478 DOM
50. 2026-05-31
    days on market $332,900 Active 477 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $33,843
• − Mortgage interest: −$19,486
• − Property taxes: −$5,218
• − Insurance: −$1,739
• − Repairs & maintenance: −$2,707
• − Management: −$2,707
• − Depreciation: −$10,120
• Taxable loss: −$8,136
• Est. tax savings @ 24.0%: +$1,953
• After-tax cash flow: $-160/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 6 photos

Excellent 95/100 None rehab

This Parker Plan by Highland Homes is in excellent condition with no visible repairs needed. It offers a modern kitchen, clean bathrooms, and a well-maintained exterior. Painting the exterior and landscaping the front yard can significantly increase its value.

Value-add opportunities

• Both Painting the exterior — Enhances curb appeal and can increase both resale and rental value ↑
• Both Landscaping the front yard — Improves curb appeal and can increase both resale and rental value ↑

F Composite school gradezoned avg 32/100

Zoned Schools

Elementary Wimauma Elementary School F FL #1,882/2,144 Nat'l #26,438/41,679 Middle Shields Middle School F FL #486/571 Nat'l #9,545/14,009 High Lennard High School F FL #328/667 Nat'l #8,877/17,239

Schools (NCES district)

• District: Hillsborough
• NCES district ID: 1200870
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $50,622
• Composite: 41.6/100
• National rank: #3435
• State rank: #41 of 73 in FL

C Composite livability gradescore 64/100

Livability — Wimauma

• Score: 64/100
• State rank: #699
• US rank: #14659

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wimauma, FL
• County: Hillsborough County · 1,607,022 people
• City population: 32,820
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 32,820
• Household income: $97,520
• Rent vs Own: 12.8% rent · 87.2% own
• Severe rent burden: 7% of renters

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Population outlook (Hillsborough County) Hauer SSP2

• Today (2025): 1,607,022 people
• By 2030: 1,733,968 · +7.9%
• By 2040: 1,979,565 · +23.2%
• By 2050: 2,203,427 · +37.1%
• By 2075: 2,667,893 · +66.0%
• By 2100: 2,891,558 · +79.9%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 40% Hispanic / Latino 39% Black 14% Two or more races 11% Asian 2%
• Hispanic origin (detail): Mexican 26% Puerto Rican 3% Cuban 1%
• Common ancestry: Romanian 2% Scotch-Irish 2% Lithuanian 1%
• Foreign-born: 23% · Canada, Jamaica, Guatemala
• Languages at home: 62% English-only · Spanish 35% Other Indo-European 1% Arabic 1%

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Political lean MEDSL · Hillsborough

• 2024 margin: Toss-up / Even · D 47.8% · R 50.9% · Other 1.3%
• 2008→2024 swing: -10.2pp toward R · 2008: 7.1pp · 2024: -3.1pp
• All cycles: 2024: R+3.1 2020: D+6.9 2016: D+6.8 2012: D+6.7 2008: D+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -2.35%
• Current HPI: 271.8552
• Rent YoY: ▼ -2.50%
• Metro: Tampa-St. Petersburg-Clearwater, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-2.9% since first listed

2 events — show timeline

• 2026-04-10 Price Changed $332,900 Zillow
• 2025-02-08 Listed $342,900 Zillow