2804 N 33rd St · Tampa, FL 33605

$339,900

4 bd · 2.0 ba · 1,349 sqft · SingleFamily public records · 127 Days on market

Built 1965 5,150 sqft lot

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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).

• Appreciation +10.0/10.0
• Cash flow +7.6/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• DSCR +1.7/10.0

Listing remarks MLS

Welcome to this beautifully maintained 4-bedroom, 2-bathroom fully furnished home that perfectly blends comfort, style, and functionality. From the moment you step inside, you’ll be impressed by the stunning interior and thoughtfully designed layout that makes everyday living effortless. The spacious floor plan offers generously sized bedrooms, providing comfort and flexibility for family, guests, or even a home office. The two well-appointed bathrooms add convenience and style, complementing the home’s modern feel. At the heart of the home, you’ll find a bright and inviting living area that’s perfect for hosting gatherings or simply relaxing at the end of the day. Whether you’re entertaining friends or enjoying a quiet evening in, this space was designed with connection and comfort in mind. Being sold fully furnished, this home is truly move-in ready—making it an ideal opportunity for homeowners or investors alike. With its beautiful interior, perfect layout, and welcoming atmosphere, this property is ready to impress.

Key facts

• Move-in ready
• Bright living area
• 5,150 sq ft lot

Tags

• BRIGHT LIVING AREA
• MOVE-IN READY

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $340k.

Deal economics

• At list price, monthly cash flow is $-401 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $269k (20.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $244k (28.1% below list).
• Recommended offer: $244k (28.1% below list) — sets the bar for 1% rule.

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: 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.
• Zoned schools: Oak Park Elementary School (math 42% / reading 25%, grade F, #1,758 of 2,144 statewide, top 83%, 354 students, 90% FRL); Greco Middle Magnet School (math 23% / reading 23%, grade F, #542 of 571 statewide, top 95%, 700 students, 77% FRL); Middleton High School (math 23% / reading 51%, grade F, #340 of 667 statewide, top 52%, 1,511 students, 57% FRL) — zoned schools average 75% FRL vs 52% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 31% at this address vs 48% district-wide (-17 pts) — the specific schools serving this property underperform the Hillsborough average; the district grade overstates school quality for this exact location.
• Market conditions: Rents flat; 190 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 17d 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 $2,443/mo this rent would consume 79% 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 $36k of equity ($2k loan paydown + $34k appreciation (10.0% local appreciation)).
• Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$58k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 127 days — a 12% lower offer ($299k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 7y ago; this cycle's ask has dropped $20k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• 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.

Recommended offer $244,313 (28.1% 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 127 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.72% ✗
• Cap rate: 4.88%
• Cash-on-cash: -5.06%
• DSCR: 0.77
• GRM: 11.6

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: 20.0%
• Equity multiple: 2.62×
• Total profit: $153,789
• Equity at exit: $306,209

10-year hold

• IRR: 17.9%
• Equity multiple: 5.86×
• Total profit: $462,365
• Equity at exit: $660,351

Cash invested: $95,172 (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: 11.6×

Monthly cashflow live

• Estimated rent: $2,443 high
• Mortgage (P&I): −$1,782
• Tax from tax record: −$407 /mo · $4,885/yr
• Insurance: −$142
• HOA: −$0
• Vacancy / Maint / Mgmt: −$513
• Net cashflow: $-401

Break-even live

Break-even rent $2,951

Max offer price $269,043

Occupancy floor —

Sensitivity live

Price	-10% $-209	-5% $-305	+0% $-401	+5% $-497	+10% $-594
Rent	-10% $-594	-5% $-498	+0% $-401	+5% $-305	+10% $-208
Rate	-1.0pp $-230	-0.5pp $-315	base $-401	+0.5pp $-489	+1.0pp $-579

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: $84,975
• Closing costs: $10,197
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3101 E 18th Ave Tampa, FL	3.0	1.0	1050	$1,750	$1.67	5d	1	0.18mi
3114 E 21st Ave Unit 1328494P Tampa, FL	4.0	2.0	1614	$4,781	$2.96	1d	1	0.18mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	12d	1	0.35mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	26d	1	0.35mi
3517 Bishop Eddie Newkirk Way Tampa, FL	3.0	2.0	1200	$2,500	$2.08	26d	1	0.36mi
3107 Chipco St Tampa, FL	3.0	1.0	1268	$1,799	$1.42	26d	1	0.45mi
3411 E 9th Ave Tampa, FL	4.0	1.0	1116	$1,700	$1.52	26d	1	0.53mi
3507 E 29th Ave Tampa, FL	3.0	2.0	928	$1,700	$1.83	26d	1	0.56mi
2504 E 12th Ave Tampa, FL	3.0	2.0	1422	$2,500	$1.76	6d	1	0.62mi
2703 N 24th St Unit 1 Tampa, FL	3.0	3.0	1164	$2,295	$1.97	1d	1	0.62mi
2703 N 24th St Unit 1 Tampa, FL	3.0	3.0	1164	$2,295	$1.97	15d	1	0.62mi
2308 E 15th Ave Tampa, FL	3.0	1.0	936	$1,895	$2.02	16d	1	0.65mi
2214 E 18th Ave Tampa, FL	3.0	2.0	1188	$2,295	$1.93	6d	1	0.67mi
3002 Arrow St Tampa, FL	5.0	2.5	1544	$1,950	$1.26	26d	1	0.69mi
2312 E 10th Ave Tampa, FL	3.0	1.0	1520	$2,400	$1.58	19d	1	0.73mi
3716 N 31st St Tampa, FL	3.0	2.0	1200	$1,895	$1.58	6d	1	0.74mi
2610 E Lake Ave Tampa, FL	3.0	2.0	1698	$2,250	$1.33	4d	1	0.75mi
2104 E Columbus Dr Unit 301 Tampa, FL	3.0	2.0	1083	$2,050	$1.89	26d	1	0.76mi
2104 E Columbus Dr Tampa, FL	3.0	2.0	1231	$1,995	$1.62	26d	1	0.76mi
2312 E 9th Ave Tampa, FL	3.0	2.0	1008	$2,200	$2.18	26d	1	0.76mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	5d	1	0.77mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	6d	1	0.77mi
2312 E 8th Ave Tampa, FL	3.0	2.0	1420	$2,500	$1.76	13d	1	0.79mi
2002 E 18th Ave Tampa, FL	4.0	2.0	1084	$2,400	$2.21	6d	1	0.80mi
2607 Lindell Ave Tampa, FL	4.0	2.0	1448	$2,395	$1.65	4d	1	0.85mi
2708 N 19th St Tampa, FL	3.0	2.0	1680	$2,200	$1.31	18d	1	0.92mi
1807 E 20th Ave Tampa, FL	3.0	2.0	1131	$2,900	$2.56	26d	1	0.95mi
3705 E North Bay St Tampa, FL	3.0	2.0	969	$1,850	$1.91	5d	1	0.99mi
4204 N 29th St Tampa, FL	3.0	1.0	957	$1,800	$1.88	26d	1	1.03mi
3002 E 38th Ave Tampa, FL	3.0	2.0	1413	$2,600	$1.84	26d	1	1.05mi
3724 E 38th Ave Tampa, FL	3.0	2.0	1188	$1,895	$1.60	26d	1	1.08mi
4303 N 30th St Tampa, FL	3.0	2.0	1260	$3,200	$2.54	3d	1	1.10mi
3212 E Emma St Tampa, FL	4.0	2.0	1332	$2,300	$1.73	5d	1	1.17mi
1520 E 21st Ave Tampa, FL	3.0	2.0	1671	$2,350	$1.41	18d	1	1.17mi
3210 N 16th St Tampa, FL	4.0	2.0	1380	$1,875	$1.36	4d	1	1.18mi
3210 N 16th St Tampa, FL	4.0	2.0	1380	$1,995	$1.45	23d	1	1.18mi
3210 N 16th St Tampa, FL	4.0	2.0	1380	$1,875	$1.36	1d	1	1.18mi
3021 Sanchez St Tampa, FL	3.0	1.0	1300	$2,195	$1.69	26d	1	1.18mi
3111 E Cayuga St Tampa, FL	4.0	2.0	1315	$2,250	$1.71	26d	1	1.19mi
2907 N 15th St Unit D Tampa, FL	3.0	2.0	888	$1,850	$2.08	6d	1	1.21mi

Listing history 32 events

1. 2026-06-21
   days on market $339,900 Active 127 DOM
2. 2026-06-18
   days on market $339,900 Active 124 DOM
3. 2026-06-17
   days on market $339,900 Active 123 DOM
4. 2026-06-16
   days on market $339,900 Active 122 DOM
5. 2026-06-15
   days on market $339,900 Active 121 DOM
6. 2026-06-13
   days on market $339,900 Active 119 DOM
7. 2026-06-13
   days on market $339,900 Active 118 DOM
8. 2026-06-09
   days on market $339,900 Active 115 DOM
9. 2026-06-08
   days on market $339,900 Active 114 DOM
10. 2026-06-07
    days on market $339,900 Active 113 DOM
11. 2026-06-04
    days on market $339,900 Active 110 DOM
12. 2026-06-03
    days on market $339,900 Active 109 DOM
13. 2026-06-02
    days on market $339,900 Active 108 DOM
14. 2026-06-01
    days on market $339,900 Active 107 DOM
15. 2026-05-31
    days on market $339,900 Active 106 DOM
16. 2026-04-09
    price $349,900 1071-char remark

    Show marketing remark (1071 chars)

    Welcome to this beautifully maintained 4-bedroom, 2-bathroom fully furnished home that perfectly blends comfort, style, and functionality. From the moment you step inside, you’ll be impressed by the stunning interior and thoughtfully designed layout that makes everyday living effortless. The spacious floor plan offers generously sized bedrooms, providing comfort and flexibility for family, guests, or even a home office. The two well-appointed bathrooms add convenience and style, complementing the home’s modern feel. At the heart of the home, you’ll find a bright and inviting living area that’s perfect for hosting gatherings or simply relaxing at the end of the day. Whether you’re entertaining friends or enjoying a quiet evening in, this space was designed with connection and comfort in mind. Being sold fully furnished, this home is truly move-in ready—making it an ideal opportunity for homeowners or investors alike. With its beautiful interior, perfect layout, and welcoming atmosphere, this property is ready to impress.

17. 2026-02-14
    listed $359,900 Active 1071-char remark

    Show marketing remark (1071 chars)

    Welcome to this beautifully maintained 4-bedroom, 2-bathroom fully furnished home that perfectly blends comfort, style, and functionality. From the moment you step inside, you’ll be impressed by the stunning interior and thoughtfully designed layout that makes everyday living effortless. The spacious floor plan offers generously sized bedrooms, providing comfort and flexibility for family, guests, or even a home office. The two well-appointed bathrooms add convenience and style, complementing the home’s modern feel. At the heart of the home, you’ll find a bright and inviting living area that’s perfect for hosting gatherings or simply relaxing at the end of the day. Whether you’re entertaining friends or enjoying a quiet evening in, this space was designed with connection and comfort in mind. Being sold fully furnished, this home is truly move-in ready—making it an ideal opportunity for homeowners or investors alike. With its beautiful interior, perfect layout, and welcoming atmosphere, this property is ready to impress.

18. 2026-01-02
    historical $2,700
19. 2025-09-24
    listed $2,700
20. 2022-06-06
    soldstatus $328,000
21. 2022-06-03
    soldstatus $328,000 Closed 287-char remark

    Show marketing remark (287 chars)

    New on the market, Beautiful 4 beds, 2 Bath near Ivor City , Hospitals, Malls, Tampa Airport, I-4,I-275,NEW ROOF 2019,NEW A/C 2019,NEW APLIANCES 2019 Kitchen and Bathrooms remodeled 2019.You can do this property your dreams house or use to rent in Airbnb, make your appointment today.

22. 2022-05-03
    status Pending 287-char remark

    Show marketing remark (287 chars)

    New on the market, Beautiful 4 beds, 2 Bath near Ivor City , Hospitals, Malls, Tampa Airport, I-4,I-275,NEW ROOF 2019,NEW A/C 2019,NEW APLIANCES 2019 Kitchen and Bathrooms remodeled 2019.You can do this property your dreams house or use to rent in Airbnb, make your appointment today.

23. 2022-04-28
    listed $320,000 Active 287-char remark

    Show marketing remark (287 chars)

    New on the market, Beautiful 4 beds, 2 Bath near Ivor City , Hospitals, Malls, Tampa Airport, I-4,I-275,NEW ROOF 2019,NEW A/C 2019,NEW APLIANCES 2019 Kitchen and Bathrooms remodeled 2019.You can do this property your dreams house or use to rent in Airbnb, make your appointment today.

24. 2019-11-20
    historical
25. 2019-11-20
    soldstatus $165,000 Sold
26. 2019-11-18
    soldstatus $165,000
27. 2019-09-06
    status Pending
28. 2019-08-27
    listed $159,900 Active
29. 2019-07-19
    soldstatus $75,400
30. 2019-07-01
    soldstatus $75,400 Sold
31. 2019-06-14
    status Pending
32. 2019-05-31
    listed $75,000 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: $4,885 · $407/mo
• Projected year-2 tax: $4,885 · $407/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 ≥108°F today · 27 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: $29,318
• − Mortgage interest: −$19,040
• − Property taxes: −$4,885
• − Insurance: −$1,700
• − Repairs & maintenance: −$2,345
• − Management: −$2,345
• − Depreciation: −$9,888
• Taxable loss: −$10,885
• Est. tax savings @ 24.0%: +$2,613
• After-tax cash flow: $-2,201/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 — 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

+366.5% since first listed

17 events — show timeline

• 2026-04-09 Price Changed $349,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-14 Listed $359,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-02 Rental Removed $2,700 STELLARMLS
• 2025-09-24 Listed for Rent $2,700 STELLARMLS
• 2022-06-06 Sold (Public Records) $328,000 Public Records
• 2022-06-03 Sold (MLS) $328,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-04-28 Listed $320,000 Stellar MLS as Distributed by MLS Grid
• 2019-11-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2019-11-20 Sold (MLS) $165,000 Stellar MLS as Distributed by MLS Grid
• 2019-11-18 Sold (Public Records) $165,000 Public Records
• 2019-09-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-08-27 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2019-07-19 Sold (Public Records) $75,400 Public Records
• 2019-07-01 Sold (MLS) $75,400 Stellar MLS as Distributed by MLS Grid
• 2019-06-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-05-31 Listed $75,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+45.9%/yr

Latest (2025): $4,885 · +4.7% YoY. Source: county tax records.