9306 Channing Hill Dr · Apollo Beach, FL 33573

$339,900

4 bd · 2.0 ba · 1,935 sqft · SingleFamily public records · 78 Days on market

Built 2022 6,050 sqft lot $11/mo HOA

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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 +8.9/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• Livability +3.6/5.0
• Appreciation +3.4/10.0
• Rent growth +3.2/5.0
• 1% rule +2.5/10.0
• DSCR +2.5/10.0
• Condition / age +2.5/5.0

Listing remarks MLS

Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

Key facts

• 6,050 sq ft lot
• 2 garage spots
• Community pool

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 $-272 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $292k (14.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $256k (24.7% below list).
• Recommended offer: $256k (24.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#333 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: cost of living C-, amenities F, 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.
• Market conditions: Rents rising (+2.6%/yr); 602 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 42% of the median local income ($73k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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 78 days — a 6% lower offer ($320k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask is 17% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $255,863 (24.7% 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 78 days. Have you received any prior offers? Is the seller open to a 25% 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: 0.75% ✗
• Cap rate: 5.33%
• Cash-on-cash: -3.44%
• DSCR: 0.85
• GRM: 11.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.65% rent growth · sell at horizon

5-year hold

• IRR: -22.4%
• Equity multiple: 0.23×
• Total profit: $-73,323
• Equity at exit: $50,680

10-year hold

• IRR: -17.5%
• Equity multiple: 0.06×
• Total profit: $-89,831
• Equity at exit: $29,388

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 33573

• Home prices YoY: -1.2%
• Rents YoY: 2.6%
• Active inventory: 602
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $2,559 high
• Mortgage (P&I): −$1,782
• Tax from tax record: −$359 /mo · $4,304/yr
• Insurance: −$142
• HOA: −$11
• Vacancy / Maint / Mgmt: −$537
• Net cashflow: $-272

Break-even live

Break-even rent $2,903

Max offer price $291,773

Occupancy floor —

Sensitivity live

Price	-10% $-80	-5% $-176	+0% $-272	+5% $-369	+10% $-465
Rent	-10% $-475	-5% $-374	+0% $-272	+5% $-171	+10% $-70
Rate	-1.0pp $-101	-0.5pp $-186	base $-272	+0.5pp $-361	+1.0pp $-450

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
9437 Lemon Drop Loop Sun City Center, FL	3.0	2.0	1451	$2,350	$1.62	20d	1	0.16mi
9924 Victory Gallop Loop Ruskin, FL	4.0	2.5	2535	$2,656	$1.05	22d	1	0.58mi
10018 Sage Creek Dr Sun City Center, FL	4.0	2.0	2598	$2,611	$1.01	25d	1	0.60mi
9620 Sage Creek Dr Sun City Center, FL	3.0	2.0	1555	$2,061	$1.33	0d	1	0.72mi
10040 Blackstone Creek CT Riverview, FL	3.0–4.0	2.5	1687	$2,995	$1.78	5d	20	0.83mi
6447 Clair Shore Dr Apollo Beach, FL	3.0	2.0	1770	$2,700	$1.53	5d	1	0.84mi
10108 Point Given Ct Sun City Center, FL	3.0	2.5	1747	$2,047	$1.17	25d	1	0.85mi
10114 Point Given Ct Sun City Center, FL	4.0	2.5	2162	$2,327	$1.08	25d	1	0.86mi
14235 War Admiral Pl Sun City Center, FL	3.0	2.5	1993	$2,197	$1.10	25d	1	0.86mi
14249 War Admiral Pl Sun City Center, FL	3.0	2.5	1747	$2,047	$1.17	5d	1	0.87mi
14265 War Admiral Pl Sun City Center, FL	3.0	2.5	1993	$2,095	$1.05	25d	1	0.88mi
10121 Tabasco Cat Ct Sun City Center, FL	3.0	2.5	1993	$2,095	$1.05	25d	1	0.92mi
14243 Riva Ridge Pl Sun City Center, FL	3.0	2.5	1747	$2,047	$1.17	22d	1	0.92mi
14231 Riva Ridge Pl Sun City Center, FL	3.0	2.5	1993	$2,197	$1.10	25d	1	0.92mi
14263 Riva Ridge Pl Sun City Center, FL	3.0	2.5	1993	$2,197	$1.10	25d	1	0.92mi
10124 Newminster Loop Ruskin, FL	3.0	2.0	1340	$2,150	$1.60	0d	1	0.94mi
14268 Riva Ridge Pl Sun City Center, FL	3.0	2.5	1993	$2,197	$1.10	25d	1	0.95mi
10125 Count Fleet Dr Ruskin, FL	4.0	3.0	2529	$2,850	$1.13	13d	1	0.98mi
10279 Newminster Loop Ruskin, FL	4.0	2.5	2576	$2,395	$0.93	25d	1	0.98mi
10313 Celtic Ash Dr Ruskin, FL	3.0	2.0	1394	$2,005	$1.44	16d	1	0.98mi
5448 Silver Sun Dr Apollo Beach, FL	4.0	2.0	1992	$4,000	$2.01	25d	1	0.98mi
6214 Sea Amber Ln Apollo Beach, FL	4.0	3.0	2273	$3,200	$1.41	12d	1	1.07mi
10206 Stedfast Ct Ruskin, FL	3.0	2.0	2051	$2,650	$1.29	25d	1	1.09mi
6610 Brighton Park Dr Apollo Beach, FL	4.0	2.0	2567	$3,250	$1.27	5d	1	1.09mi
6328 Lantern View Pl Apollo Beach, FL	4.0	3.5	2184	$2,600	$1.19	18d	1	1.10mi
10220 Newminster Loop Ruskin, FL	4.0	2.5	2483	$2,315	$0.93	15d	1	1.10mi
7556 Oxford Garden Cir Apollo Beach, FL	3.0	2.0	1335	$2,020	$1.51	5d	1	1.19mi
4529 Eternal Prince Dr Sun City Center, FL	4.0	2.5	1914	$2,450	$1.28	21d	1	1.20mi
14442 Editors Note St Ruskin, FL	3.0	2.5	1701	$2,100	$1.23	5d	1	1.20mi
8117 Alamosa Wood Ave Ruskin, FL	3.0	2.0	1346	$1,895	$1.41	25d	1	1.22mi
14409 Easy Goer St Ruskin, FL	3.0	2.5	1666	$1,800	$1.08	25d	1	1.22mi
14339 Easy Goer St Ruskin, FL	3.0	2.5	1701	$2,350	$1.38	22d	1	1.23mi
14452 Easy Goer St Ruskin, FL	3.0	2.5	1701	$2,250	$1.32	13d	1	1.24mi
7006 Monarch Park Dr Apollo Beach, FL	4.0	2.0	1868	$2,425	$1.30	21d	1	1.30mi
7242 Milestone Dr Apollo Beach, FL	3.0	2.5	2112	$2,625	$1.24	25d	1	1.33mi
4408 Eternal Prince Dr Sun City Center, FL	3.0	2.0	1451	$1,800	$1.24	25d	1	1.37mi
7329 Lumber Port Dr Ruskin, FL	3.0	2.0	1275	$2,000	$1.57	4d	1	1.44mi
7338 Lumber Port Dr Ruskin, FL	3.0	2.0	1298	$1,975	$1.52	0d	1	1.45mi
10405 Apollo Manor Cir Riverview, FL	1.0–3.0	1.0–2.0	1116	$3,163	$2.83	0d	30	1.48mi
15503 Prestwick Rose Pl Unit 1 Sun City Center, FL	3.0	2.5	1666	$2,000	$1.20	25d	1	1.48mi

HOA detail

• Monthly dues: $11 · $132/yr
• Likely covers: watergaselectric

Listing history 25 events

1. 2026-06-18
   days on market $339,900 Active 78 DOM
2. 2026-06-17
   days on market $339,900 Active 77 DOM
3. 2026-06-16
   days on market $339,900 Active 76 DOM
4. 2026-06-15
   days on market $339,900 Active 75 DOM
5. 2026-06-13
   days on market $339,900 Active 73 DOM
6. 2026-06-13
   days on market $339,900 Active 72 DOM
7. 2026-06-09
   pricedays on market $339,900 Active 69 DOM
8. 2026-06-08
   days on market $349,900 Active 68 DOM
9. 2026-06-07
   days on market $349,900 Active 67 DOM
10. 2026-06-04
    days on market $349,900 Active 64 DOM
11. 2026-06-03
    days on market $349,900 Active 63 DOM
12. 2026-06-02
    days on market $349,900 Active 62 DOM
13. 2026-06-02
    price $349,900 Active 61 DOM
14. 2026-06-01
    days on market $359,900 Active 61 DOM
15. 2026-05-31
    days on market $359,900 Active 60 DOM
16. 2026-05-16
    price $359,900 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

17. 2026-05-02
    price $364,900 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

18. 2026-04-15
    price $369,900 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

19. 2026-04-11
    price $374,900 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

20. 2026-04-01
    price $379,900 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

21. 2026-04-01
    status Active 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

22. 2025-12-26
    status Pending 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

23. 2025-10-04
    status Pending 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

24. 2025-10-04
    price $179,510 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

25. 2025-10-03
    listed $289,900 Active 846-char remark

    Show marketing remark (846 chars)

    Short Sale. SHORT SALE APPROVED WITH PRICE REDUCTION - CAN CLOSE QUICKLY!!! ONLY 3 YEARS YOUNG, this 4 bedroom, 2 bath home with a WATERVIEW is ready for occupancy. Upon entering, spacious foyer with 3 bedrooms and 1 bathroom from the hallway. Open floor plan for kitchen, living room and dining area. Full home water treatment/softener system. Walk-in pantry. GAS stove. Lots of counter space with a dedicated coffee/tea/beverage area. Faux wall in living area with remote control fireplace and lots of space for a mounted TV. Master En-Suite Bedroom. Step-in shower and dual sinks. Huge walk-in closet. Leased Solar Panels for savings on electricity. Close to shopping and restaurants, and 8 minutes to Apollo Beach with more restaurants. 15 minutes to E. G. Simmons Park and Apollo Beach's Drive-in Movie theater. This home is worth the look.

ⓘ 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: $4,304 · $359/mo
• Projected year-2 tax: $4,304 · $359/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 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 28 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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,704
• − Mortgage interest: −$19,040
• − Property taxes: −$4,304
• − Insurance: −$1,700
• − Repairs & maintenance: −$2,456
• − Management: −$2,456
• − HOA: −$132
• − Depreciation: −$9,888
• Taxable loss: −$9,272
• Est. tax savings @ 24.0%: +$2,225
• After-tax cash flow: $-1,044/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 — Apollo Beach

• Score: 72/100
• State rank: #333
• US rank: #5784

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Apollo Beach, FL
• County: Hillsborough County · 1,540,968 people
• City population: 26,495
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 35,362
• Household income: $72,834
• Rent vs Own: 17.3% rent · 82.7% own
• Severe rent burden: 1382.0

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: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 13% Two or more races 11% Black 10% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 6% Cuban 2%
• Common ancestry: Romanian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 86% English-only · Spanish 10% French/Haitian/Cajun 1% German/W. Germanic 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: ▼ -3.27%
• Current HPI: 272.9767
• Rent YoY: ▲ 2.65%
• 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

+24.1% since first listed

10 events — show timeline

• 2026-05-16 Price Changed $359,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-02 Price Changed $364,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Price Changed $369,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-11 Price Changed $374,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Price Changed $379,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-12-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-04 Price Changed $179,510 Stellar MLS as Distributed by MLS Grid
• 2025-10-03 Listed $289,900 Stellar MLS as Distributed by MLS Grid

Property tax history

-7.0%/yr

Latest (2025): $4,304 · +0.8% YoY. Source: county tax records.