None · Tampa, FL 33605

$180,000

3 bd · 1.0 ba · 1,332 sqft · SingleFamily public records · 42 Days on market

Built 1930 Fair condition 5,076 sqft lot ↓ 5% since listing

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Why this score? — see what drove the B+ 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 +28.2/30.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +7.2/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Rent growth +2.6/5.0
• Condition / age +2.2/5.0

Listing remarks

Under contract-accepting backup offers. Prime fix and flip opportunity in sought after Ybor City! 3- Bedroom, 1- bath home ready for renovation and upside potential. Located just minutes from downtown Tampa, this property sits high in a demand area experiencing continued growth and redevelopment. Perfect for investors looking to renovate and resale or hold as a rental. No HOA! Sold as is. Bring your vision and unlock the value!

Key facts

• 5,076 sq ft lot
• Built 1930
• Listed 41 days

Property features AI

Finance

• Other: Property zoned RM-16; Lot approximately 0.12 acre (about 472 m²)
• HOA & community: No HOA association indicated

Exterior

• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; Faces south
• Construction: Frame construction with wood siding; Shingle roof; Built on crawlspace
• Exterior features: Asphalt road access

Interior

• Kitchen: No appliances included
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Crawlspace foundation (utility access noted)
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Wall/window cooling units
• Interior features: Ceiling fans
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $180k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $574 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $180k).
• Recommended offer: $175k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 79/100 on livability (#142 in FL, #2,135 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: schools C-, crime D+.
• 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 flat; 190 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $2,197/mo this rent would consume 71% of the median local household income ($37k/yr) (locally 1374% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $19k of equity ($1k loan paydown + $18k appreciation (10.0% local appreciation)).
• Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 0.6% rent growth), your $50k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($175k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 3y 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: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• 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 $174,600 (3.0% below list)

Questions for the listing agent

1. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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: 1.22% ✓
• Cap rate: 10.12%
• Cash-on-cash: 13.67%
• DSCR: 1.61
• GRM: 6.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 0.58% rent growth · sell at horizon

5-year hold

• IRR: 33.3%
• Equity multiple: 3.57×
• Total profit: $129,350
• Equity at exit: $162,158

10-year hold

• IRR: 27.9%
• Equity multiple: 7.80×
• Total profit: $342,546
• Equity at exit: $349,700

Cash invested: $50,400 (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 33605

• Home prices YoY: 3.7%
• Rents YoY: 0.6%
• Active inventory: 190
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $2,197 high
• Mortgage (P&I): −$944
• Tax from tax record: −$142 /mo · $1,710/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$461
• Net cashflow: $574

Break-even live

Break-even rent $1,470

Max offer price $180,000

Occupancy floor 69%

Sensitivity live

Price	-10% $676	-5% $625	+0% $574	+5% $523	+10% $472
Rent	-10% $400	-5% $487	+0% $574	+5% $661	+10% $748
Rate	-1.0pp $665	-0.5pp $620	base $574	+0.5pp $527	+1.0pp $480

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2205 Chipco St Tampa, FL	2.0	1.0	1100	$1,600	$1.45	25d	1	0.13mi
2610 E Lake Ave Tampa, FL	3.0	2.0	1698	$2,250	$1.33	3d	1	0.27mi
2607 Lindell Ave Tampa, FL	4.0	2.0	1448	$2,395	$1.65	3d	1	0.31mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	6d	1	0.41mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	4d	1	0.41mi
1515 E 31st Ave Tampa, FL	2.0	1.0	914	$1,500	$1.64	6d	1	0.49mi
3716 N 31st St Tampa, FL	3.0	2.0	1200	$1,895	$1.58	6d	1	0.54mi
3210 N 16th St Tampa, FL	4.0	2.0	1380	$1,875	$1.36	3d	1	0.54mi
3210 N 16th St Tampa, FL	4.0	2.0	1380	$1,875	$1.36	0d	1	0.54mi
3210 N 16th St Tampa, FL	4.0	2.0	1380	$1,995	$1.45	22d	1	0.54mi
4204 N 29th St Tampa, FL	3.0	1.0	957	$1,800	$1.88	25d	1	0.55mi
3107 Chipco St Tampa, FL	3.0	1.0	1268	$1,799	$1.42	25d	1	0.57mi
1504 E 33rd Ave Tampa, FL	3.0	2.0	1108	$2,900	$2.62	25d	1	0.58mi
1807 E 20th Ave Tampa, FL	3.0	2.0	1131	$2,900	$2.56	25d	1	0.58mi
2214 E 18th Ave Tampa, FL	3.0	2.0	1188	$2,295	$1.93	6d	1	0.60mi
3021 Sanchez St Tampa, FL	3.0	1.0	1300	$2,195	$1.69	25d	1	0.60mi
2002 E 18th Ave Tampa, FL	4.0	2.0	1084	$2,400	$2.21	6d	1	0.61mi
1709 E Chelsea St Unit F Tampa, FL	2.0	1.0	1041	$1,625	$1.56	24d	1	0.63mi
1602 E North Bay St Tampa, FL	3.0	2.0	1200	$2,100	$1.75	25d	1	0.64mi
1520 E 21st Ave Tampa, FL	3.0	2.0	1671	$2,350	$1.41	17d	1	0.66mi
3002 E 38th Ave Tampa, FL	3.0	2.0	1413	$2,600	$1.84	25d	1	0.67mi
3114 E 21st Ave Unit 1328494P Tampa, FL	4.0	2.0	1614	$4,781	$2.96	0d	1	0.69mi
2104 E Columbus Dr Unit 301 Tampa, FL	3.0	2.0	1083	$2,050	$1.89	25d	1	0.69mi
2104 E Columbus Dr Tampa, FL	3.0	2.0	1231	$1,995	$1.62	25d	1	0.69mi
2703 N 24th St Unit 1 Tampa, FL	3.0	3.0	1164	$2,295	$1.97	15d	1	0.69mi
2703 N 24th St Unit 1 Tampa, FL	3.0	3.0	1164	$2,295	$1.97	0d	1	0.69mi
3601 N 13th St Tampa, FL	3.0	2.5	1800	$2,550	$1.42	25d	1	0.69mi
1305 E Louise Ave Tampa, FL	3.0	2.0	1384	$2,700	$1.95	25d	1	0.69mi
2708 N 19th St Tampa, FL	3.0	2.0	1680	$2,200	$1.31	17d	1	0.70mi
2006 E Columbus Dr Unit A Tampa, FL	2.0	1.0	896	$1,495	$1.67	2d	1	0.70mi
3411 N 13th St Tampa, FL	3.0	2.0	978	$1,895	$1.94	25d	1	0.70mi
4303 N 30th St Tampa, FL	3.0	2.0	1260	$3,200	$2.54	2d	1	0.71mi
1808 E Columbus Dr #5 Tampa, FL	2.0	2.5	1620	$1,900	$1.17	3d	1	0.75mi
2308 E 15th Ave Tampa, FL	3.0	1.0	936	$1,895	$2.02	15d	1	0.75mi
2810 N 16th St Tampa, FL	2.0	1.0	1066	$2,550	$2.39	13d	1	0.76mi
2907 N 15th St Unit D Tampa, FL	3.0	2.0	888	$1,850	$2.08	6d	1	0.76mi
1716 E Columbus Dr Unit A Tampa, FL	2.0	1.0	924	$1,800	$1.95	25d	1	0.77mi
1212 E 25th Ave Tampa, FL	2.0	1.0	1035	$1,490	$1.44	20d	1	0.78mi
2615 E Curtis St Tampa, FL	3.0	2.0	1572	$1,850	$1.18	21d	1	0.79mi
3101 E 18th Ave Tampa, FL	3.0	1.0	1050	$1,750	$1.67	4d	1	0.80mi

Listing history 19 events

1. 2026-06-21
   days on market $180,000 Active 42 DOM
2. 2026-06-19
   status $180,000 Active 39 DOM
3. 2026-06-08
   remarks 431-char remark
4. 2026-06-08
   statusdays on market $180,000 Pending 39 DOM
5. 2026-06-07
   days on market $180,000 Active 38 DOM
6. 2026-06-04
   days on market $180,000 Active 35 DOM
7. 2026-06-03
   days on market $180,000 Active 34 DOM
8. 2026-06-02
   days on market $180,000 Active 33 DOM
9. 2026-06-01
   days on market $180,000 Active 32 DOM
10. 2026-05-31
    days on market $180,000 Active 31 DOM
11. 2026-04-30
    listed $180,000 Active 391-char remark
12. 2023-09-18
    status Pending
13. 2023-09-01
    status Active
14. 2023-08-28
    status Pending
15. 2023-08-07
    status Active
16. 2023-07-27
    status Pending
17. 2023-07-13
    status Active
18. 2023-07-11
    status Pending
19. 2023-06-30
    listed $190,000 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: $1,710 · $142/mo
• Projected year-2 tax: $1,710 · $142/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 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,361
• − Mortgage interest: −$10,083
• − Property taxes: −$1,710
• − Insurance: −$900
• − Repairs & maintenance: −$2,109
• − Management: −$2,109
• − Depreciation: −$5,236
• Taxable income: $4,214
• Est. tax owed @ 24.0%: −$1,011
• After-tax cash flow: $5,876/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 · 11 photos

Fair 45/100 Moderate rehab

This property presents a moderate renovation opportunity with significant potential for resale and rental value. The home requires extensive repairs and updates to bring it up to current standards.

Repairs flagged

• Major Exterior siding — Severe weathering and damage
• Major Electrical box — Exposed and in poor condition
• Major Interior walls — Exposed beams and general disrepair
• Major Kitchen cabinets — Outdated and worn
• Major Bathroom fixtures — Outdated and worn
• Major Flooring — Worn and in poor condition

Value-add opportunities

• Both Paint interior walls — Enhances curb appeal and interior aesthetics
• Both Replace carpet — Improves comfort and appearance
• Both Replace outdated kitchen cabinets — Modernizes the kitchen and increases value
• Both Replace outdated bathroom fixtures — Modernizes the bathroom and increases value
• Both Landscaping and curb appeal — Enhances curb appeal and attracts potential buyers

Renovation cost estimate screening

Repair item	Severity	Est. cost
Exterior siding · Severe weathering and damage	Major	$15,000–50,000
Electrical box · Exposed and in poor condition	Major	$15,000–50,000
Interior walls · Exposed beams and general disrepair	Major	$15,000–50,000
Kitchen cabinets · Outdated and worn	Major	$15,000–50,000
Bathroom fixtures · Outdated and worn	Major	$15,000–50,000
Flooring · Worn and in poor condition	Major	$15,000–50,000
Total estimated repair cost · 6 items		$90,000–300,000

Value-add ROI direction

• Both Paint interior walls — Enhances curb appeal and interior aesthetics ↑
• Both Replace carpet — Improves comfort and appearance ↑
• Both Replace outdated kitchen cabinets — Modernizes the kitchen and increases value ↑
• Both Replace outdated bathroom fixtures — Modernizes the bathroom and increases value ↑
• Both Landscaping and curb appeal — Enhances curb appeal and attracts potential buyers ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Tampa

• Score: 79/100
• State rank: #142
• US rank: #2135

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tampa, FL
• County: Hillsborough County · 1,540,968 people
• City population: 523,346
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 16,030
• Household income: $36,975
• Rent vs Own: 59.8% rent · 40.2% own
• Severe rent burden: 1374.0

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: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: Black 48% Hispanic / Latino 28% Two or more races 18% White 17% Asian 1%
• Hispanic origin (detail): Mexican 6% Puerto Rican 8% Cuban 6% Dominican 1%
• Common ancestry: Hispanic 2% Romanian 1% Lithuanian 1%
• Foreign-born: 17% · Canada, Vietnam, Jamaica
• Languages at home: 72% English-only · Spanish 24% French/Haitian/Cajun 3% Other Asian/Pacific 1%

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: ▲ 17.43%
• Current HPI: 494.1871
• Rent YoY: ▲ 0.58%
• 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

-5.3% since first listed

11 events — show timeline

• 2026-06-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-06-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-30 Listed $180,000 Stellar MLS as Distributed by MLS Grid
• 2023-09-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-09-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-08-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-08-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-07-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-07-13 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-07-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-06-30 Listed $190,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+12.9%/yr

Latest (2025): $1,710 · +12.1% YoY. Source: county tax records.