2717 13th Ave S · St. Petersburg, FL 33712

$209,999

3 bd · 1.0 ba · 1,020 sqft · SingleFamily public records · 71 Days on market

Built 1925 5,911 sqft lot Est $262k · 20% under

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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 +21.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.7/10.0
• 1% rule +5.5/10.0
• Schools +4.3/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Excellent as a rental or 1st home. Won't take too much work to make it shine, and this price it won't last long.

Key facts

• 5,911 sq ft lot
• Built 1925
• Listed 71 days

Property features AI

Finance

• Other: Property type: Residential; Property subtype: Single Family Residence; Total living area about 1,020 square feet; Lot size about 0.14 acre; Unfurnished; Direction faces: East
• HOA & community: Pets allowed

Exterior

• Utilities: Water source: see remarks; Sewer: other; Utilities: other
• Home design: Single-family residence; One story; East-facing
• Construction: Shingle roof; Other construction materials; Slab foundation; Built on 1 level
• Exterior features: Sidewalk; Landscaped yard; Level lot; Asphalt road access

Interior

• Kitchen: Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Heating: Other; Cooling: Other
• Interior features: Open floorplan
• Laundry & utility: Laundry area (other)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $302 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $210k).
• Recommended offer: $197k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 2.6% in St. Petersburg — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Melrose Elementary School (math 37% / reading 27%, grade F, #1,797 of 2,144 statewide, top 86%, 322 students, 93% FRL); Gibbs High School (math 26% / reading 41%, grade F, #400 of 667 statewide, top 61%, 1,160 students, 64% FRL) — zoned schools average 79% FRL vs 48% district-wide (31 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 33% at this address vs 51% district-wide (-18 pts) — the specific schools serving this property underperform the Pinellas average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.8%/yr); 204 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($197k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 18y ago; this cycle's ask has dropped $77k (27%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $128k; list at $210k implies a 64% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• 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 $197,399 (6.0% below list)

Questions for the listing agent

1. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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.
6. 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.
7. 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: 1.05% ✓
• Cap rate: 8.02%
• Cash-on-cash: 6.16%
• DSCR: 1.27
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $262,140
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2584 14th Ave S	0.14mi	2/1.0 (-1)	914 (-10%)	3mo	$285,000	$312	69
3127 Oakley Ave S	0.36mi	3/1.0	950 (-7%)	6mo	$245,000	$258	67
1742 31st St S	0.42mi	3/1.5	988 (-3%)	9mo	$264,855	$268	66
2401 17th Ave S	0.40mi	3/1.0	912 (-11%)	1mo	$90,000	$99	63
1931 24th St S	0.56mi	3/1.0	1,038 (+2%)	10mo	$215,000	$207	63
2487 15th Ave S	0.26mi	3/2.0	1,125 (+10%)	6mo	$285,000	$253	61
2027 13th Ave S	0.61mi	3/1.0	958 (-6%)	6mo	$210,000	$219	56
2331 16th Ave S	0.40mi	3/1.0	872 (-14%)	6mo	$245,000	$281	52
3227 Queensboro Ave S	0.56mi	3/2.0	1,144 (+12%)	2mo	$235,000	$205	48
3235 6th Ave S	0.66mi	3/1.0	954 (-6%)	12mo	$282,000	$296	48
3455 14th Ave S	0.61mi	4/2.0 (+1)	1,098 (+8%)	10mo	$282,500	$257	41
3458 17th Ave S	0.68mi	2/1.0 (-1)	932 (-9%)	12mo	$215,000	$231	39

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

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -10.2%
• Equity multiple: 0.64×
• Total profit: $-21,236
• Equity at exit: $31,312

10-year hold

• IRR: -5.6%
• Equity multiple: 0.68×
• Total profit: $-18,583
• Equity at exit: $18,157

Cash invested: $58,800 (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 33712

• Rents YoY: -0.8%
• Active inventory: 204
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $2,202 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$249 /mo · $2,992/yr
• Insurance: −$87
• HOA: −$0
• Vacancy / Maint / Mgmt: −$463
• Net cashflow: $302

Break-even live

Break-even rent $1,820

Max offer price $209,999

Occupancy floor 81%

Sensitivity live

Price	-10% $421	-5% $361	+0% $302	+5% $242	+10% $183
Rent	-10% $128	-5% $215	+0% $302	+5% $389	+10% $476
Rate	-1.0pp $408	-0.5pp $355	base $302	+0.5pp $247	+1.0pp $192

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2728 14th Ave S St. Petersburg, FL	3.0	2.0	1257	$2,100	$1.67	8d	1	0.11mi
1361 29th St S Saint Petersburg, FL	3.0	1.0	819	$2,400	$2.93	25d	1	0.14mi
2547 14th Ave S Saint Petersburg, FL	2.0	1.0	726	$2,800	$3.86	5d	1	0.21mi
3091 15th Ave S St. Petersburg, FL	3.0	2.0	1000	$2,195	$2.19	25d	1	0.29mi
3089 15th Ave S Saint Petersburg, FL	3.0	2.0	1000	$2,195	$2.19	5d	1	0.29mi
1147 32nd St S Saint Petersburg, FL	2.0	1.0	780	$1,350	$1.73	15d	1	0.37mi
1227 Fargo St S Unit 1 St. Petersburg, FL	2.0	1.0	780	$1,600	$2.05	25d	1	0.42mi
2900 Freemont Ter S Saint Petersburg, FL	3.0	3.0	1376	$2,560	$1.86	5d	1	0.43mi
1827 Auburn St S Saint Petersburg, FL	3.0	1.0	1056	$1,855	$1.76	5d	1	0.46mi
2231 15th Ave S Saint Petersburg, FL	2.0	1.0	768	$1,900	$2.47	5d	1	0.47mi
2245 17th Ave S Saint Petersburg, FL	4.0	2.0	1058	$2,400	$2.27	5d	1	0.49mi
626 31st St S Saint Petersburg, FL	3.0	1.0	1040	$2,200	$2.12	4d	1	0.51mi
560 26th St S Saint Petersburg, FL	3.0	1.0	979	$2,407	$2.46	25d	1	0.52mi
2410 18th Ave S Saint Petersburg, FL	4.0	1.0	927	$1,895	$2.04	5d	1	0.54mi
1901 31st St S Unit 1/2 St. Petersburg, FL	2.0	1.0	721	$1,950	$2.70	4d	1	0.56mi
1930 Walton St S Saint Petersburg, FL	3.0	1.0	814	$2,000	$2.46	5d	1	0.59mi
1400 21st St S Saint Petersburg, FL	4.0	2.0	1487	$2,970	$2.00	8d	1	0.64mi
2745 4th Ave S Saint Petersburg, FL	3.0	2.0	1235	$3,200	$2.59	5d	1	0.66mi
2020 14th Ave S Unit A St. Petersburg, FL	2.0	2.0	1000	$1,920	$1.92	8d	1	0.67mi
2028 14th Ave S Unit A St. Petersburg, FL	2.0	2.0	1000	$1,920	$1.92	25d	1	0.67mi
2710 22nd Ave S Saint Petersburg, FL	3.0	1.0	1083	$2,450	$2.26	5d	1	0.68mi
3535 14th Ave S Saint Petersburg, FL	3.0	1.0	768	$1,650	$2.15	5d	1	0.69mi
3246 20th Ave S Saint Petersburg, FL	2.0	1.0	864	$1,795	$2.08	25d	1	0.71mi
3145 4th Ave S St. Petersburg, FL	2.0	1.5	938	$2,020	$2.15	25d	1	0.71mi
1920 14th Ave S Saint Petersburg, FL	3.0	2.0	1073	$1,865	$1.74	25d	1	0.72mi
2010 22nd St S Saint Petersburg, FL	3.0	1.0	1036	$1,695	$1.64	5d	1	0.73mi
2244 21st Ave S Saint Petersburg, FL	3.0	1.0	1229	$2,250	$1.83	5d	1	0.73mi
3603 16th Ave S Saint Petersburg, FL	4.0	2.0	1235	$3,000	$2.43	5d	1	0.73mi
2810 2nd Ave S Unit B St. Petersburg, FL	2.0	1.0	950	$2,795	$2.94	15d	1	0.75mi
2423 Auburn St S Saint Petersburg, FL	3.0	2.0	1057	$1,650	$1.56	25d	1	0.82mi
1665 37th St S Saint Petersburg, FL	3.0	1.0	867	$1,850	$2.13	11d	1	0.82mi
2900 1st Ave S Unit A St. Petersburg, FL	2.0	1.0	1000	$2,295	$2.29	25d	1	0.83mi
2425 Auburn St S Saint Petersburg, FL	3.0	2.0	1092	$2,195	$2.01	5d	1	0.83mi
1771 15th Ave S Saint Petersburg, FL	2.0	1.0	800	$1,195	$1.49	5d	1	0.83mi
3421 4th Ave S Saint Petersburg, FL	2.0	1.5	938	$1,805	$1.92	5d	1	0.86mi
1847 19th St S Saint Petersburg, FL	3.0	2.0	1203	$2,295	$1.91	5d	1	0.86mi
1760 Queen St S Saint Petersburg, FL	3.0	1.0	1004	$2,000	$1.99	5d	1	0.91mi
2551 26th Ave S Saint Petersburg, FL	4.0	2.0	1248	$2,395	$1.92	5d	1	0.91mi
3100 Central Ave Saint Petersburg, FL	1.0–2.0	1.0–2.0	880	$2,660	$3.02	2d	10	0.92mi
1311 Prescott St S Saint Petersburg, FL	4.0	2.0	1048	$2,300	$2.19	5d	1	0.93mi

Listing history 32 events

1. 2026-06-19
   price $209,999 Active 71 DOM
2. 2026-06-18
   days on market $229,999 Active 71 DOM
3. 2026-06-17
   days on market $229,999 Active 70 DOM
4. 2026-06-16
   days on market $229,999 Active 69 DOM
5. 2026-06-15
   days on market $229,999 Active 68 DOM
6. 2026-06-13
   days on market $229,999 Active 66 DOM
7. 2026-06-09
   days on market $229,999 Active 62 DOM
8. 2026-06-08
   days on market $229,999 Active 61 DOM
9. 2026-06-07
   days on market $229,999 Active 60 DOM
10. 2026-06-04
    pricedays on market $229,999 Active 57 DOM
11. 2026-06-03
    days on market $249,950 Active 56 DOM
12. 2026-06-01
    days on market $249,950 Active 54 DOM
13. 2026-05-31
    days on market $249,950 Active 53 DOM
14. 2026-05-11
    price $249,950
15. 2026-04-08
    listed $286,500 Active
16. 2024-01-31
    historical $1,495
17. 2024-01-11
    price $1,495
18. 2023-12-22
    price $1,595
19. 2023-12-13
    price $1,695
20. 2023-12-08
    price $1,790
21. 2023-12-05
    price $1,845
22. 2023-11-11
    price $1,860
23. 2023-10-26
    price $1,870
24. 2023-09-14
    price $1,890
25. 2023-09-02
    listed $1,940
26. 2021-09-29
    soldstatus $128,000
27. 2021-09-29
    listed $128,000
28. 2009-06-29
    soldstatus $16,000 112-char remark

    Show marketing remark (112 chars)

    Excellent as a rental or 1st home. Won't take too much work to make it shine, and this price it won't last long.

29. 2008-10-31
    listed $19,900 112-char remark

    Show marketing remark (112 chars)

    Excellent as a rental or 1st home. Won't take too much work to make it shine, and this price it won't last long.

30. 2008-08-27
    historical
31. 2008-01-11
    listed $49,000
32. 2003-12-16
    soldstatus $80,000

ⓘ 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: $2,992 · $249/mo
• Projected year-2 tax: $2,992 · $249/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 ≥106°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,429
• − Mortgage interest: −$11,763
• − Property taxes: −$2,992
• − Insurance: −$1,050
• − Repairs & maintenance: −$2,114
• − Management: −$2,114
• − Depreciation: −$6,109
• Taxable income: $286
• Est. tax owed @ 24.0%: −$69
• After-tax cash flow: $3,553/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: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — St. Petersburg

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Petersburg, FL
• County: Pinellas County · 939,478 people
• City population: 249,151
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 27,142
• Household income: $60,450
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1928.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (68%)
• Race & ethnicity: Black 68% White 23% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Lithuanian 1% Slovak 1% Estonian 1%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 92% English-only · French/Haitian/Cajun 3% Spanish 3% Other Indo-European 1%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -275.45%
• Current HPI: 412.7251
• Rent YoY: ▼ -0.77%
• 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

+212.4% since first listed

19 events — show timeline

• 2026-05-11 Price Changed $249,950 Stellar MLS as Distributed by MLS Grid
• 2026-04-08 Listed $286,500 Stellar MLS as Distributed by MLS Grid
• 2024-01-31 Rental Removed $1,495 PROPERTYWARE
• 2024-01-11 Price Changed $1,495 PROPERTYWARE
• 2023-12-22 Price Changed $1,595 PROPERTYWARE
• 2023-12-13 Price Changed $1,695 PROPERTYWARE
• 2023-12-08 Price Changed $1,790 PROPERTYWARE
• 2023-12-05 Price Changed $1,845 PROPERTYWARE
• 2023-11-11 Price Changed $1,860 PROPERTYWARE
• 2023-10-26 Price Changed $1,870 PROPERTYWARE
• 2023-09-14 Price Changed $1,890 PROPERTYWARE
• 2023-09-02 Listed for Rent $1,940 PROPERTYWARE
• 2021-09-29 Listed $128,000 Stellar MLS as Distributed by MLS Grid
• 2021-09-29 Sold (MLS) $128,000 Stellar MLS as Distributed by MLS Grid
• 2009-06-29 Sold (MLS) $16,000 Stellar MLS as Distributed by MLS Grid
• 2008-10-31 Listed $19,900 Stellar MLS as Distributed by MLS Grid
• 2008-08-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2008-01-11 Listed $49,000 Stellar MLS as Distributed by MLS Grid
• 2003-12-16 Sold (Public Records) $80,000 Public Records

Property tax history

+16.8%/yr

Latest (2025): $2,992 · +9.5% YoY. Source: county tax records.