4418 N Tampania Ave · Tampa, FL 33614

$5,000

2 bd · 2.0 ba · 1,836 sqft · SingleFamily public records · 6 Days on market

Built 1949 10,019 sqft lot

---

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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends May 28, 2026 at 10:00 AM EST. Explore this charming 2-bedroom, 2-bath residence set in a peaceful and well-located Tampa community. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa Home App.

Key facts

• 0.23 acre lot
• Built 1949
• Listed 6 days

Property features AI

Finance

• Other: Zoning: RS-50

Exterior

• Parking: Driveway; On-street parking
• Utilities: Water: Other; Sewer: Other
• Home design: Single family residence; One level; Residential property
• Construction: Construction materials: See remarks; Other roof
• Exterior features: Front porch; Road surface: Other

Interior

• Bedrooms: 1 room total
• Flooring: Other
• Bathrooms: 2 full bathrooms
• Heating & cooling: No heating; No cooling
• Interior features: Other flooring

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $2k ($25k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $5k).

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: schools C-, 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.
• Market conditions: Rents soft (-1.2%/yr); 209 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $2,692/mo this rent would consume 64% of the median local household income ($50k/yr) (locally 3363% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $35 of loan paydown is wiped out by about $150 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1949 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $5,000

Questions for the listing agent

1. Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 53.84% ✓
• Cap rate: 508.36%
• Cash-on-cash: 1793.10%
• DSCR: 80.78
• GRM: 0.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: —
• Equity multiple: 89.99×
• Total profit: $124,579
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 179.38×
• Total profit: $249,725
• Equity at exit: $432

Cash invested: $1,400 (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 33614

• Home prices YoY: -21.7%
• Rents YoY: -1.2%
• Active inventory: 209
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,692 high
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• HOA: −$0
• Vacancy / Maint / Mgmt: −$565
• Net cashflow: $2,092

Break-even live

Break-even rent $44

Max offer price $5,000

Occupancy floor 17%

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4301 N Albany Ave Unit 1053147P Tampa, FL	3.0	2.0	1765	$3,582	$2.03	3d	1	0.46mi
2817 W Woodlawn Ave Unit 1053144P Tampa, FL	3.0	2.0	2217	$5,809	$2.62	3d	1	0.50mi
4314 N River View Ave Tampa, FL	3.0	2.5	2090	$3,000	$1.44	15d	1	0.59mi
4314 N River View Ave Tampa, FL	3.0	2.5	2090	$3,000	$1.44	22d	1	0.59mi
3021 W Tampa Bay Blvd Tampa, FL	3.0	2.0	1298	$2,600	$2.00	24d	1	0.70mi
2424 W Tampa Bay Blvd Unit L408 Tampa, FL	3.0	2.0	1295	$2,350	$1.81	24d	1	0.70mi
2424 W Tampa Bay Blvd Tampa, FL	3.0	2.0	1295	$2,200	$1.70	13d	1	0.70mi
2424 W Tampa Bay Blvd Unit 1 Tampa, FL	3.0	2.0	1295	$2,395	$1.85	24d	1	0.70mi
2424 W Tampa Bay Blvd Unit M201 Tampa, FL	3.0	2.0	1295	$2,200	$1.70	14d	1	0.74mi
3321 W Woodlawn Ave Tampa, FL	3.0	2.0	1350	$2,599	$1.93	24d	1	0.76mi
4909 N Darby Ave Tampa, FL	3.0	2.0	1739	$2,700	$1.55	24d	1	0.79mi
4801 Wishart Blvd Unit 1053162P Tampa, FL	3.0	2.0	1420	$7,187	$5.06	14d	1	0.80mi
3301 W New Orleans Ave Tampa, FL	3.0	2.0	1829	$3,000	$1.64	24d	1	0.81mi
2917 W Frierson Ave Tampa, FL	3.0	2.0	1310	$2,500	$1.91	24d	1	0.84mi
4901 W Bartlett Dr Tampa, FL	3.0	2.0	1800	$3,200	$1.78	24d	1	0.93mi
1012 W Adalee St Tampa, FL	3.0	2.0	1700	$2,945	$1.73	17d	1	1.02mi
914 W Cimmeron Dr Tampa, FL	2.0	2.0	1763	$4,250	$2.41	24d	1	1.02mi
2311 W Aileen St Tampa, FL	3.0	2.0	1505	$2,900	$1.93	14d	1	1.03mi
4012 N Munro St Tampa, FL	3.0	2.0	1486	$3,850	$2.59	24d	1	1.11mi
5500 N Rome Ave Unit 29 Tampa, FL	1.0	1.0	1864	$1,500	$0.80	24d	1	1.13mi
815 W Plymouth St Tampa, FL	3.0	2.0	1554	$2,395	$1.54	11d	1	1.16mi
815 W Plymouth St Tampa, FL	3.0	2.0	1554	$2,395	$1.54	4d	1	1.16mi
4412 N Clearfield Ave Tampa, FL	3.0	2.0	1336	$2,250	$1.68	24d	1	1.26mi
1908 W Saint Louis St Tampa, FL	3.0	2.0	1575	$2,600	$1.65	22d	1	1.33mi
5505 N Himes Ave Tampa, FL	1.0–3.0	1.0–2.0	1092	$1,655	$1.51	3d	8	1.34mi
2603 N Ridgewood Ave Tampa, FL	3.0	2.0	2336	$4,250	$1.82	15d	1	1.35mi
2701 N Fremont Ave Tampa, FL	3.0	1.5	1500	$2,100	$1.40	18d	1	1.37mi
2321 W Beach St Tampa, FL	3.0	2.0	1558	$2,750	$1.77	5d	1	1.38mi
2709 W Palmetto St Tampa, FL	3.0	2.0	1298	$2,635	$2.03	20d	1	1.41mi
3916 N Ola Ave Tampa, FL	3.0	2.0	1673	$3,200	$1.91	18d	1	1.43mi
2705 N Poplar Ave Unit 1466151P Tampa, FL	3.0	2.0	1291	$4,738	$3.67	2d	1	1.43mi
3906 N Ola Ave Tampa, FL	3.0	2.0	1225	$2,575	$2.10	24d	1	1.44mi
6115 N Albany Ave Tampa, FL	3.0	2.0	1476	$2,250	$1.52	20d	1	1.44mi
2324 W Palmetto St Tampa, FL	3.0	2.0	1888	$2,800	$1.48	24d	1	1.45mi
902 W Columbus Dr Tampa, FL	3.0	1.0	1234	$2,995	$2.43	24d	1	1.46mi
5205 N Boulevard Tampa, FL	1.0–3.0	1.0–2.0	1175	$1,854	$1.58	3d	17	1.47mi

Listing history 2 events

1. 2026-05-20
   listed $5,000 Active
2. 2020-12-30
   soldstatus $224,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 71% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 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: $32,301
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$25
• − Repairs & maintenance: −$2,584
• − Management: −$2,584
• − Depreciation: −$145
• Taxable income: $26,608
• Est. tax owed @ 24.0%: −$6,386
• After-tax cash flow: $18,718/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): 47,298
• Household income: $50,232
• Rent vs Own: 56.8% rent · 43.2% own
• Severe rent burden: 3363.0

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 Hispanic (67%)
• Race & ethnicity: Hispanic / Latino 67% Two or more races 37% White 18% Black 9% Asian 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 14% Cuban 32% Dominican 4%
• Common ancestry: Romanian 1% Slovak 1%
• Foreign-born: 44% · Canada, Jamaica, Vietnam
• Languages at home: 36% English-only · Spanish 58% Vietnamese 2% Other Indo-European 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: ▼ -138.33%
• Current HPI: 498.3567
• Rent YoY: ▼ -1.24%
• 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

-97.8% since first listed

2 events — show timeline

• 2026-05-20 Listed $5,000 HAOR as distributed by MLS GRID
• 2020-12-30 Sold (Public Records) $224,000 Public Records

Property tax history

+14.6%/yr

Latest (2025): $4,579 · +7.5% YoY. Source: county tax records.