13525 Wild Ginger St · Riverview, FL 33579

$449,999

6 bd · 3.0 ba · 3,362 sqft · SingleFamily public records · 128 Days on market

Built 2020 Good condition 5,619 sqft lot $12/mo HOA ↓ 14% since listing

---

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 +8.1/30.0
• ARV discount +7.5/15.0
• Appreciation +4.3/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Condition / age +4.0/5.0
• 1% rule +3.3/10.0
• Rent growth +2.8/5.0
• DSCR +2.2/10.0

Listing remarks MLS

The ONLY house in Riverview that (1) Best Priced home in Riverview (2) Has 6 bedrooms with and office (3) on a pond and fully fenced in & has the best price at over 3,000 sqft !!! - This is a GREAT deal!!!! ~ POND VIEW ~ 6 BEDROOMS ~ OFFICE + LOFT ~ FENCED YARD ~ ROOM FOR EVERYONE Welcome to 13525 Wild Ginger St. , a spacious and beautifully designed home in the heart of Riverview. With 6 true bedrooms, a dedicated office, and a large upstairs loft, this home offers the flexibility and breathing room today’s buyers are looking for—whether you’re accommodating a multi-generational household, working from home, or simply craving extra space to live comfortably. Step inside to an inviting open-concept living area that seamlessly blends the kitchen, dining, and family spaces—perfect for everyday living and effortless entertaining. The private office provides a quiet retreat for productivity, while the expansive loft upstairs serves as an ideal second living room, media space, or play area. Outside, unwind in your fully fenced backyard overlooking a peaceful pond view. It’s the perfect backdrop for morning coffee, evening relaxation, or weekend gatherings with friends and family. With its generous layout, serene pond views, and fenced backyard, this home offers the perfect blend of space, comfort, and functionality. Ideally located near shopping, dining, schools, and major commuter routes — and just minutes from I-75 — convenience is truly at your doorstep. Enjoy access to South Fork’s fantastic amenities, including resort-style pools, playgrounds, and a full basketball court. This one truly checks all the boxes and delivers Riverview living at its finest! Don’t miss your chance—schedule your private showing today.

Key facts

• Pond view
• Fenced yard
• Access to amenities

Tags

• POND VIEW
• FENCED YARD
• DEDICATED OFFICE
• LARGE UPSTAIRS LOFT
• FULLY FENCED BACKYARD
• ACCESS TO AMENITIES

What this means for you Summary

Snapshot

• This is a 6-bed/3.0-bath single-family listed at $450k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-435 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $373k (17.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $371k (17.4% below list).
• Recommended offer: $371k (17.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 79/100 on livability (#134 in FL, #2,000 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, employment B+; Watch: 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 rising (+1.2%/yr); 457 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 38% of the median local income ($116k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-1.4%/yr); year-one equity from $3k of loan paydown is wiped out by about $6k 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 128 days — a 12% lower offer ($396k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $371,477 (17.4% 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 128 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.83% ✗
• Cap rate: 5.13%
• Cash-on-cash: -4.15%
• DSCR: 0.82
• GRM: 10.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.42% appreciation · 1.18% rent growth · sell at horizon

5-year hold

• IRR: -15.0%
• Equity multiple: 0.39×
• Total profit: $-76,562
• Equity at exit: $99,600

10-year hold

• IRR: -10.1%
• Equity multiple: 0.21×
• Total profit: $-99,857
• Equity at exit: $97,079

Cash invested: $126,000 (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 33579

• Home prices YoY: -0.6%
• Rents YoY: 1.2%
• Active inventory: 457
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $3,715 high
• Mortgage (P&I): −$2,360
• Tax from tax record: −$811 /mo · $9,729/yr
• Insurance: −$187
• HOA: −$12
• Vacancy / Maint / Mgmt: −$780
• Net cashflow: $-435

Break-even live

Break-even rent $4,266

Max offer price $373,084

Occupancy floor —

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: $112,500
• Closing costs: $13,500
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11721 Sunburst Marble Rd Riverview, FL	5.0	3.0	3704	$3,200	$0.86	24d	1	0.52mi
11701 Brighton Knoll Loop Riverview, FL	6.0	4.0	4169	$4,750	$1.14	24d	1	0.77mi
11412 Misty Isle Ln Riverview, FL	5.0	4.0	2523	$3,200	$1.27	24d	1	0.89mi
11543 Addison Chase Dr Riverview, FL	5.0	3.0	3118	$3,300	$1.06	17d	1	0.95mi
11211 Flora Springs Dr Riverview, FL	5.0	3.0	2320	$2,723	$1.17	23d	1	1.27mi

HOA detail

• Monthly dues: $12 · $144/yr
• Likely covers: landscapingpool

Listing history 19 events

1. 2026-06-18
   days on market $449,999 Active 128 DOM
2. 2026-06-17
   days on market $449,999 Active 127 DOM
3. 2026-06-16
   days on market $449,999 Active 126 DOM
4. 2026-06-15
   days on market $449,999 Active 125 DOM
5. 2026-06-13
   days on market $449,999 Active 123 DOM
6. 2026-06-13
   days on market $449,999 Active 122 DOM
7. 2026-06-09
   days on market $449,999 Active 119 DOM
8. 2026-06-08
   days on market $449,999 Active 118 DOM
9. 2026-06-07
   days on market $449,999 Active 117 DOM
10. 2026-06-04
    days on market $449,999 Active 114 DOM
11. 2026-06-03
    days on market $449,999 Active 113 DOM
12. 2026-06-02
    days on market $449,999 Active 112 DOM
13. 2026-06-01
    days on market $449,999 Active 111 DOM
14. 2026-05-31
    days on market $449,999 Active 110 DOM
15. 2026-05-02
    price $449,999 1811-char remark

    Show marketing remark (1811 chars)

    The ONLY house in Riverview that (1) Best Priced home in Riverview (2) Has 6 bedrooms with and office (3) on a pond and fully fenced in & has the best price at over 3,000 sqft !!! - This is a GREAT deal!!!! ~ POND VIEW ~ 6 BEDROOMS ~ OFFICE + LOFT ~ FENCED YARD ~ ROOM FOR EVERYONE Welcome to 13525 Wild Ginger St. , a spacious and beautifully designed home in the heart of Riverview. With 6 true bedrooms, a dedicated office, and a large upstairs loft, this home offers the flexibility and breathing room today’s buyers are looking for—whether you’re accommodating a multi-generational household, working from home, or simply craving extra space to live comfortably. Step inside to an inviting open-concept living area that seamlessly blends the kitchen, dining, and family spaces—perfect for everyday living and effortless entertaining. The private office provides a quiet retreat for productivity, while the expansive loft upstairs serves as an ideal second living room, media space, or play area. Outside, unwind in your fully fenced backyard overlooking a peaceful pond view. It’s the perfect backdrop for morning coffee, evening relaxation, or weekend gatherings with friends and family. With its generous layout, serene pond views, and fenced backyard, this home offers the perfect blend of space, comfort, and functionality. Ideally located near shopping, dining, schools, and major commuter routes — and just minutes from I-75 — convenience is truly at your doorstep. Enjoy access to South Fork’s fantastic amenities, including resort-style pools, playgrounds, and a full basketball court. This one truly checks all the boxes and delivers Riverview living at its finest! Don’t miss your chance—schedule your private showing today.

16. 2026-04-19
    price $475,000 1811-char remark

    Show marketing remark (1811 chars)

    The ONLY house in Riverview that (1) Best Priced home in Riverview (2) Has 6 bedrooms with and office (3) on a pond and fully fenced in & has the best price at over 3,000 sqft !!! - This is a GREAT deal!!!! ~ POND VIEW ~ 6 BEDROOMS ~ OFFICE + LOFT ~ FENCED YARD ~ ROOM FOR EVERYONE Welcome to 13525 Wild Ginger St. , a spacious and beautifully designed home in the heart of Riverview. With 6 true bedrooms, a dedicated office, and a large upstairs loft, this home offers the flexibility and breathing room today’s buyers are looking for—whether you’re accommodating a multi-generational household, working from home, or simply craving extra space to live comfortably. Step inside to an inviting open-concept living area that seamlessly blends the kitchen, dining, and family spaces—perfect for everyday living and effortless entertaining. The private office provides a quiet retreat for productivity, while the expansive loft upstairs serves as an ideal second living room, media space, or play area. Outside, unwind in your fully fenced backyard overlooking a peaceful pond view. It’s the perfect backdrop for morning coffee, evening relaxation, or weekend gatherings with friends and family. With its generous layout, serene pond views, and fenced backyard, this home offers the perfect blend of space, comfort, and functionality. Ideally located near shopping, dining, schools, and major commuter routes — and just minutes from I-75 — convenience is truly at your doorstep. Enjoy access to South Fork’s fantastic amenities, including resort-style pools, playgrounds, and a full basketball court. This one truly checks all the boxes and delivers Riverview living at its finest! Don’t miss your chance—schedule your private showing today.

17. 2026-03-03
    price $498,999 1811-char remark

    Show marketing remark (1811 chars)

    The ONLY house in Riverview that (1) Best Priced home in Riverview (2) Has 6 bedrooms with and office (3) on a pond and fully fenced in & has the best price at over 3,000 sqft !!! - This is a GREAT deal!!!! ~ POND VIEW ~ 6 BEDROOMS ~ OFFICE + LOFT ~ FENCED YARD ~ ROOM FOR EVERYONE Welcome to 13525 Wild Ginger St. , a spacious and beautifully designed home in the heart of Riverview. With 6 true bedrooms, a dedicated office, and a large upstairs loft, this home offers the flexibility and breathing room today’s buyers are looking for—whether you’re accommodating a multi-generational household, working from home, or simply craving extra space to live comfortably. Step inside to an inviting open-concept living area that seamlessly blends the kitchen, dining, and family spaces—perfect for everyday living and effortless entertaining. The private office provides a quiet retreat for productivity, while the expansive loft upstairs serves as an ideal second living room, media space, or play area. Outside, unwind in your fully fenced backyard overlooking a peaceful pond view. It’s the perfect backdrop for morning coffee, evening relaxation, or weekend gatherings with friends and family. With its generous layout, serene pond views, and fenced backyard, this home offers the perfect blend of space, comfort, and functionality. Ideally located near shopping, dining, schools, and major commuter routes — and just minutes from I-75 — convenience is truly at your doorstep. Enjoy access to South Fork’s fantastic amenities, including resort-style pools, playgrounds, and a full basketball court. This one truly checks all the boxes and delivers Riverview living at its finest! Don’t miss your chance—schedule your private showing today.

18. 2026-02-18
    price $499,999 1811-char remark

    Show marketing remark (1811 chars)

    The ONLY house in Riverview that (1) Best Priced home in Riverview (2) Has 6 bedrooms with and office (3) on a pond and fully fenced in & has the best price at over 3,000 sqft !!! - This is a GREAT deal!!!! ~ POND VIEW ~ 6 BEDROOMS ~ OFFICE + LOFT ~ FENCED YARD ~ ROOM FOR EVERYONE Welcome to 13525 Wild Ginger St. , a spacious and beautifully designed home in the heart of Riverview. With 6 true bedrooms, a dedicated office, and a large upstairs loft, this home offers the flexibility and breathing room today’s buyers are looking for—whether you’re accommodating a multi-generational household, working from home, or simply craving extra space to live comfortably. Step inside to an inviting open-concept living area that seamlessly blends the kitchen, dining, and family spaces—perfect for everyday living and effortless entertaining. The private office provides a quiet retreat for productivity, while the expansive loft upstairs serves as an ideal second living room, media space, or play area. Outside, unwind in your fully fenced backyard overlooking a peaceful pond view. It’s the perfect backdrop for morning coffee, evening relaxation, or weekend gatherings with friends and family. With its generous layout, serene pond views, and fenced backyard, this home offers the perfect blend of space, comfort, and functionality. Ideally located near shopping, dining, schools, and major commuter routes — and just minutes from I-75 — convenience is truly at your doorstep. Enjoy access to South Fork’s fantastic amenities, including resort-style pools, playgrounds, and a full basketball court. This one truly checks all the boxes and delivers Riverview living at its finest! Don’t miss your chance—schedule your private showing today.

19. 2026-02-10
    listed $524,999 Active 1811-char remark

    Show marketing remark (1811 chars)

    The ONLY house in Riverview that (1) Best Priced home in Riverview (2) Has 6 bedrooms with and office (3) on a pond and fully fenced in & has the best price at over 3,000 sqft !!! - This is a GREAT deal!!!! ~ POND VIEW ~ 6 BEDROOMS ~ OFFICE + LOFT ~ FENCED YARD ~ ROOM FOR EVERYONE Welcome to 13525 Wild Ginger St. , a spacious and beautifully designed home in the heart of Riverview. With 6 true bedrooms, a dedicated office, and a large upstairs loft, this home offers the flexibility and breathing room today’s buyers are looking for—whether you’re accommodating a multi-generational household, working from home, or simply craving extra space to live comfortably. Step inside to an inviting open-concept living area that seamlessly blends the kitchen, dining, and family spaces—perfect for everyday living and effortless entertaining. The private office provides a quiet retreat for productivity, while the expansive loft upstairs serves as an ideal second living room, media space, or play area. Outside, unwind in your fully fenced backyard overlooking a peaceful pond view. It’s the perfect backdrop for morning coffee, evening relaxation, or weekend gatherings with friends and family. With its generous layout, serene pond views, and fenced backyard, this home offers the perfect blend of space, comfort, and functionality. Ideally located near shopping, dining, schools, and major commuter routes — and just minutes from I-75 — convenience is truly at your doorstep. Enjoy access to South Fork’s fantastic amenities, including resort-style pools, playgrounds, and a full basketball court. This one truly checks all the boxes and delivers Riverview living at its finest! Don’t miss your chance—schedule your private showing today.

ⓘ 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: $9,729 · $811/mo
• Projected year-2 tax: $9,729 · $811/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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°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

Taxation est. · year 1

• Rental income: $44,577
• − Mortgage interest: −$25,207
• − Property taxes: −$9,729
• − Insurance: −$2,250
• − Repairs & maintenance: −$3,566
• − Management: −$3,566
• − HOA: −$144
• − Depreciation: −$13,091
• Taxable loss: −$12,976
• Est. tax savings @ 24.0%: +$3,114
• After-tax cash flow: $-2,111/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 · 12 photos

Good 80/100 Cosmetic rehab

This well-maintained single-family home in Riverview offers a spacious and beautiful living environment with 6 bedrooms and a fenced yard. It is in good condition with minimal repairs needed and potential for value increases through cosmetic updates.

Value-add opportunities

• Both Painting exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics
• Both Landscaping improvements — A well-maintained yard can increase both resale and rental value
• Both HVAC maintenance — A clean and efficient HVAC system can improve comfort and energy efficiency

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics ↑
• Both Landscaping improvements — A well-maintained yard can increase both resale and rental value ↑
• Both HVAC maintenance — A clean and efficient HVAC system can improve comfort and energy efficiency ↑

ⓘ 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 — Riverview

• Score: 79/100
• State rank: #134
• US rank: #2000

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Riverview, FL
• County: Hillsborough County · 1,540,968 people
• City population: 137,988
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 49,470
• Household income: $116,134
• Rent vs Own: 16.5% rent · 83.5% own
• Severe rent burden: 258.0

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: White 42% Hispanic / Latino 25% Black 24% Two or more races 19% Asian 5%
• Hispanic origin (detail): Mexican 3% Puerto Rican 12% Cuban 3% Dominican 1%
• Common ancestry: Hispanic 1% British 1% Romanian 1%
• Foreign-born: 17% · Canada, Jamaica, China
• Languages at home: 73% English-only · Spanish 19% Other Indo-European 2% French/Haitian/Cajun 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: ▼ -1.42%
• Current HPI: 240.5825
• Rent YoY: ▲ 1.18%
• 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

-14.3% since first listed

5 events — show timeline

• 2026-05-02 Price Changed $449,999 Stellar MLS as Distributed by MLS Grid
• 2026-04-19 Price Changed $475,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Price Changed $498,999 Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Price Changed $499,999 Stellar MLS as Distributed by MLS Grid
• 2026-02-10 Listed $524,999 Stellar MLS as Distributed by MLS Grid

Property tax history

+4.5%/yr

Latest (2025): $9,729 · +5.5% YoY. Source: county tax records.