13719 Mission Oaks Blvd #0 · Seminole, FL 33776

$84,500

1 bd · 1.0 ba · 635 sqft · Condo public records · 61 Days on market

Built 1974 $709/mo HOA · 35% of rent

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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 +29.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.4/5.0
• Schools +4.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Live the Florida lifestyle in this 1 bedroom, 1 bathroom villa only 2 miles from the beach! Located in a quiet community of Mission Oaks, this home features a large living space with a back Florida room & extra storage closet. The bedroom has a walk in closet and plenty of storage in the hallway and bathroom linen closet. Includes one covered parking space. Easy access to shopping and entertainment with a location directly across the street from Publix, Ace Hardware and a shopping plaza. Community amenities include a clubhouse, swimming pool, laundry, and lighted sidewalks. Fee also includes internet, cable, sewer, trash and water. 55+ Community. No pets allowed.

Key facts

• Non evacuation zone
• Clubhouse
• Brand new roof

Tags

• NON EVACUATION ZONE
• WALKING DISTANCE TO PUBLIX
• BRAND NEW ROOF
• AC SYSTEM
• STONE COUNTERTOPS
• CLUBHOUSE

Property features AI

Finance

• Other: Unit furnished partially
• Financial info: Lease restrictions apply
• HOA & community: HOA required (monthly fee $709); Association management by Resource Property Management / Robert Shipman; Association approval required; Association fee includes cable TV, internet, pool, maintenance (structure & grounds), management, private road, recreational facilities, sewer, trash, and water; Part of a senior community; Pets allowed with breed and number restrictions; Total annual association fees approximately $8,508

Exterior

• Parking: Has covered carport (1 space); Designated carport or nearby guest parking
• Utilities: Public water; Public sewer; Electricity available and connected; Water available and connected; Sewer available and connected; Cable available and connected
• Home design: Residential condominium; One story; Faces south; Floor 1
• Construction: Block construction; Built-up roof; Block foundation; Built in 4-unit building
• Exterior features: Asphalt roads; Irrigation equipment; Clubhouse; Community mailbox; Pool; Sidewalks; Street lights

Interior

• Kitchen: Range; Range hood; Refrigerator
• Bedrooms: 1 bedroom (first floor)
• Flooring: Ceramic tile; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fan(s)
• Laundry & utility: Laundry in common area

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $84k.

Deal economics

• At list price, monthly cash flow is $289 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $84k).
• Recommended offer: $79k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.4% vs local median 3.8% in Seminole — 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 88/100 on livability (#5 in FL, #174 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+.
• 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.
• Market conditions: 146 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $584 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $5k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $45k; list at $84k implies a 88% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 35% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $79,430 (6.0% below list)

Questions for the listing agent

1. It's been on market 61 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 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 2.37% ✓
• Cap rate: 10.39%
• Cash-on-cash: 14.64%
• DSCR: 1.65
• GRM: 3.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 5.6%
• Equity multiple: 1.22×
• Total profit: $5,158
• Equity at exit: $12,599

10-year hold

• IRR: 15.4%
• Equity multiple: 2.27×
• Total profit: $30,055
• Equity at exit: $7,306

Cash invested: $23,660 (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 33776

• Active inventory: 146
• Price-to-rent: 3.5×

Monthly cashflow live

• Estimated rent: $2,000 medium
• Mortgage (P&I): −$443
• Tax from tax record: −$104 /mo · $1,248/yr
• Insurance: −$35
• HOA: −$709
• Vacancy / Maint / Mgmt: −$420
• Net cashflow: $289

Break-even live

Break-even rent $1,635

Max offer price $84,500

Occupancy floor 81%

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: $21,125
• Closing costs: $2,535
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
19451 Gulf Blvd #604 Indian Shores, FL	1.0	1.0	725	$2,000	$2.76	4d	1	0.78mi

HOA detail condo

• Monthly dues: $709 · $8,508/yr
• Likely covers: watersewertrashinternetcablepool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 23 events

1. 2026-06-18
   days on market $84,500 Active 61 DOM
2. 2026-06-17
   days on market $84,500 Active 60 DOM
3. 2026-06-16
   days on market $84,500 Active 59 DOM
4. 2026-06-15
   days on market $84,500 Active 58 DOM
5. 2026-06-13
   days on market $84,500 Active 56 DOM
6. 2026-06-09
   days on market $84,500 Active 52 DOM
7. 2026-06-08
   days on market $84,500 Active 51 DOM
8. 2026-06-07
   days on market $84,500 Active 50 DOM
9. 2026-06-04
   days on market $84,500 Active 47 DOM
10. 2026-06-03
    days on market $84,500 Active 46 DOM
11. 2026-06-01
    days on market $84,500 Active 44 DOM
12. 2026-05-31
    days on market $84,500 Active 43 DOM
13. 2026-05-21
    price $84,500
14. 2026-04-18
    listed $89,500 Active
15. 2026-03-03
    soldstatus $45,000
16. 2026-02-27
    soldstatus $45,000 Closed 677-char remark

    Show marketing remark (677 chars)

    Live the Florida lifestyle in this 1 bedroom, 1 bathroom villa only 2 miles from the beach! Located in a quiet community of Mission Oaks, this home features a large living space with a back Florida room & extra storage closet. The bedroom has a walk in closet and plenty of storage in the hallway and bathroom linen closet. Includes one covered parking space. Easy access to shopping and entertainment with a location directly across the street from Publix, Ace Hardware and a shopping plaza. Community amenities include a clubhouse, swimming pool, laundry, and lighted sidewalks. Fee also includes internet, cable, sewer, trash and water. 55+ Community. No pets allowed.

17. 2026-02-13
    status Pending 677-char remark

    Show marketing remark (677 chars)

    Live the Florida lifestyle in this 1 bedroom, 1 bathroom villa only 2 miles from the beach! Located in a quiet community of Mission Oaks, this home features a large living space with a back Florida room & extra storage closet. The bedroom has a walk in closet and plenty of storage in the hallway and bathroom linen closet. Includes one covered parking space. Easy access to shopping and entertainment with a location directly across the street from Publix, Ace Hardware and a shopping plaza. Community amenities include a clubhouse, swimming pool, laundry, and lighted sidewalks. Fee also includes internet, cable, sewer, trash and water. 55+ Community. No pets allowed.

18. 2026-01-20
    price $60,000 677-char remark

    Show marketing remark (677 chars)

    Live the Florida lifestyle in this 1 bedroom, 1 bathroom villa only 2 miles from the beach! Located in a quiet community of Mission Oaks, this home features a large living space with a back Florida room & extra storage closet. The bedroom has a walk in closet and plenty of storage in the hallway and bathroom linen closet. Includes one covered parking space. Easy access to shopping and entertainment with a location directly across the street from Publix, Ace Hardware and a shopping plaza. Community amenities include a clubhouse, swimming pool, laundry, and lighted sidewalks. Fee also includes internet, cable, sewer, trash and water. 55+ Community. No pets allowed.

19. 2025-12-12
    price $65,000 677-char remark

    Show marketing remark (677 chars)

    Live the Florida lifestyle in this 1 bedroom, 1 bathroom villa only 2 miles from the beach! Located in a quiet community of Mission Oaks, this home features a large living space with a back Florida room & extra storage closet. The bedroom has a walk in closet and plenty of storage in the hallway and bathroom linen closet. Includes one covered parking space. Easy access to shopping and entertainment with a location directly across the street from Publix, Ace Hardware and a shopping plaza. Community amenities include a clubhouse, swimming pool, laundry, and lighted sidewalks. Fee also includes internet, cable, sewer, trash and water. 55+ Community. No pets allowed.

20. 2025-11-22
    price $77,000 677-char remark

    Show marketing remark (677 chars)

    Live the Florida lifestyle in this 1 bedroom, 1 bathroom villa only 2 miles from the beach! Located in a quiet community of Mission Oaks, this home features a large living space with a back Florida room & extra storage closet. The bedroom has a walk in closet and plenty of storage in the hallway and bathroom linen closet. Includes one covered parking space. Easy access to shopping and entertainment with a location directly across the street from Publix, Ace Hardware and a shopping plaza. Community amenities include a clubhouse, swimming pool, laundry, and lighted sidewalks. Fee also includes internet, cable, sewer, trash and water. 55+ Community. No pets allowed.

21. 2025-11-04
    listed $79,000 Active 677-char remark

    Show marketing remark (677 chars)

    Live the Florida lifestyle in this 1 bedroom, 1 bathroom villa only 2 miles from the beach! Located in a quiet community of Mission Oaks, this home features a large living space with a back Florida room & extra storage closet. The bedroom has a walk in closet and plenty of storage in the hallway and bathroom linen closet. Includes one covered parking space. Easy access to shopping and entertainment with a location directly across the street from Publix, Ace Hardware and a shopping plaza. Community amenities include a clubhouse, swimming pool, laundry, and lighted sidewalks. Fee also includes internet, cable, sewer, trash and water. 55+ Community. No pets allowed.

22. 2000-08-07
    soldstatus $35,000
23. 1998-12-04
    soldstatus $24,000

ⓘ 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: $1,248 · $104/mo
• Projected year-2 tax: $1,248 · $104/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 · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,000
• − Mortgage interest: −$4,733
• − Property taxes: −$1,248
• − Insurance: −$422
• − Repairs & maintenance: −$1,920
• − Management: −$1,920
• − HOA: −$8,508
• − Depreciation: −$2,458
• Taxable income: $2,790
• Est. tax owed @ 24.0%: −$670
• After-tax cash flow: $2,794/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 — Seminole

• Score: 88/100
• State rank: #5
• US rank: #174

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 42,315
• Population (ZIP): 12,711

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 White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 7% Two or more races 7% Asian 2% Black 2%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 1%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 89% English-only · Other Indo-European 4% Russian/Polish/Slavic 3% Spanish 2%

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: ▼ -455.42%
• Current HPI: 337.3149
• Rent YoY: —
• Metro: —
• 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

+252.1% since first listed

11 events — show timeline

• 2026-05-21 Price Changed $84,500 Stellar MLS as Distributed by MLS Grid
• 2026-04-18 Listed $89,500 Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Sold (Public Records) $45,000 Public Records
• 2026-02-27 Sold (MLS) $45,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-20 Price Changed $60,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-12 Price Changed $65,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-22 Price Changed $77,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-04 Listed $79,000 Stellar MLS as Distributed by MLS Grid
• 2000-08-07 Sold (Public Records) $35,000 Public Records
• 1998-12-04 Sold (Public Records) $24,000 Public Records

Property tax history

+7.2%/yr

Latest (2025): $1,248 · -9.2% YoY. Source: county tax records.