9519 Fieldview Cir #9519 · Thonotosassa, FL 33592

$155,000

2 bd · 1.0 ba · 794 sqft · Condo public records · 240 Days on market

Built 1982 $195/mo HOA · 13% of rent

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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 +11.6/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• Schools +4.2/10.0
• DSCR +3.4/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully maintained 2-bedroom, 1-bathroom condo offering modern comfort and convenience at an unbeatable value. Step inside to find newer luxury vinyl flooring and fresh paint throughout, creating a bright, move-in-ready living space that feels fresh and inviting. With a low monthly HOA of just $195, this property is ideal for both first-time buyers and investors looking for steady rental potential. The layout provides comfortable bedrooms, a functional kitchen, and a cozy living area perfect for relaxing or entertaining. Located just 10 minutes from the University of South Florida (USF) and a short drive to downtown Tampa, major shopping, dining, and Tampa International Airport, this condo offers easy access to everything the area has to offer — from vibrant nightlife to top-rated employers and beaches. Whether you’re searching for your next home or a solid investment opportunity, this condo delivers style, convenience, and value.

Key facts

• Functional kitchen
• Fresh paint
• Cozy living area

Tags

• NEWER LUXURY VINYL FLOORING
• FRESH PAINT
• FUNCTIONAL KITCHEN
• COZY LIVING AREA
• EASY ACCESS TO DOWNTOWN TAMPA
• EASY ACCESS TO MAJOR SHOPPING

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $155k.

Deal economics

• At list price, monthly cash flow is $-50 ($-595/yr) — negative.
• To cash-flow at today's rent, offer at most $146k (5.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $154k (0.5% below list).
• Recommended offer: $136k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#673 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: schools D+, amenities F, commute 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: 120 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 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 $5k 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 240 days — a 12% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

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

Recommended offer $136,400 (12.0% 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 240 days. Have you received any prior offers? Is the seller open to a 12% 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. 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
8. 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?
9. 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.
10. 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.
11. 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: 1.00% ✗
• Cap rate: 5.91%
• Cash-on-cash: -1.37%
• DSCR: 0.94
• GRM: 8.4

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: -18.4%
• Equity multiple: 0.35×
• Total profit: $-28,129
• Equity at exit: $23,111

10-year hold

• IRR: -10.6%
• Equity multiple: 0.36×
• Total profit: $-27,973
• Equity at exit: $13,402

Cash invested: $43,400 (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 33592

• Home prices YoY: -7.8%
• Active inventory: 120
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,543 high
• Mortgage (P&I): −$813
• Tax from tax record: −$196 /mo · $2,353/yr
• Insurance: −$65
• HOA: −$195
• Vacancy / Maint / Mgmt: −$324
• Net cashflow: $-50

Break-even live

Break-even rent $1,606

Max offer price $146,243

Occupancy floor 98%

Sensitivity live

Price	-10% $38	-5% $-6	+0% $-50	+5% $-93	+10% $-137
Rent	-10% $-171	-5% $-111	+0% $-50	+5% $11	+10% $72
Rate	-1.0pp $28	-0.5pp $-10	base $-50	+0.5pp $-90	+1.0pp $-131

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: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9415 Grandfield Rd Thonotosassa, FL	2.0	1.0	698	$1,295	$1.86	21d	1	0.13mi
9406 Eastfield Rd Unit C Thonotosassa, FL	2.0	1.0	702	$1,150	$1.64	25d	1	0.17mi
10404 Hershey Rd Thonotosassa, FL	2.0	1.0	650	$1,450	$2.23	6d	1	0.23mi
9322 Eastfield Rd Thonotosassa, FL	2.0	1.0	702	$1,495	$2.13	25d	1	0.25mi
11810 Uptown Walker Pl Thonotosassa, FL	1.0–2.0	1.0–2.0	990	$2,537	$2.56	0d	15	0.93mi
8781 Orange Leaf Ct Temple Terrace, FL	1.0–3.0	1.0–3.0	1020	$1,560	$1.53	0d	10	1.44mi

HOA detail condo

• Monthly dues: $195 · $2,340/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 23 events

1. 2026-06-21
   days on market $155,000 Active 240 DOM
2. 2026-06-18
   days on market $155,000 Active 237 DOM
3. 2026-06-17
   days on market $155,000 Active 236 DOM
4. 2026-06-16
   days on market $155,000 Active 235 DOM
5. 2026-06-15
   days on market $155,000 Active 234 DOM
6. 2026-06-13
   days on market $155,000 Active 232 DOM
7. 2026-06-13
   days on market $155,000 Active 231 DOM
8. 2026-06-09
   days on market $155,000 Active 228 DOM
9. 2026-06-08
   days on market $155,000 Active 227 DOM
10. 2026-06-07
    days on market $155,000 Active 226 DOM
11. 2026-06-04
    days on market $155,000 Active 223 DOM
12. 2026-06-03
    days on market $155,000 Active 222 DOM
13. 2026-06-02
    days on market $155,000 Active 221 DOM
14. 2026-06-01
    days on market $155,000 Active 220 DOM
15. 2026-06-01
    days on market $155,000 Active 219 DOM
16. 2026-04-26
    price $155,000 976-char remark

    Show marketing remark (976 chars)

    Welcome to this beautifully maintained 2-bedroom, 1-bathroom condo offering modern comfort and convenience at an unbeatable value. Step inside to find newer luxury vinyl flooring and fresh paint throughout, creating a bright, move-in-ready living space that feels fresh and inviting. With a low monthly HOA of just $195, this property is ideal for both first-time buyers and investors looking for steady rental potential. The layout provides comfortable bedrooms, a functional kitchen, and a cozy living area perfect for relaxing or entertaining. Located just 10 minutes from the University of South Florida (USF) and a short drive to downtown Tampa, major shopping, dining, and Tampa International Airport, this condo offers easy access to everything the area has to offer — from vibrant nightlife to top-rated employers and beaches. Whether you’re searching for your next home or a solid investment opportunity, this condo delivers style, convenience, and value.

17. 2026-01-23
    price $159,000 976-char remark

    Show marketing remark (976 chars)

    Welcome to this beautifully maintained 2-bedroom, 1-bathroom condo offering modern comfort and convenience at an unbeatable value. Step inside to find newer luxury vinyl flooring and fresh paint throughout, creating a bright, move-in-ready living space that feels fresh and inviting. With a low monthly HOA of just $195, this property is ideal for both first-time buyers and investors looking for steady rental potential. The layout provides comfortable bedrooms, a functional kitchen, and a cozy living area perfect for relaxing or entertaining. Located just 10 minutes from the University of South Florida (USF) and a short drive to downtown Tampa, major shopping, dining, and Tampa International Airport, this condo offers easy access to everything the area has to offer — from vibrant nightlife to top-rated employers and beaches. Whether you’re searching for your next home or a solid investment opportunity, this condo delivers style, convenience, and value.

18. 2025-10-23
    listed $160,000 Active 976-char remark

    Show marketing remark (976 chars)

    Welcome to this beautifully maintained 2-bedroom, 1-bathroom condo offering modern comfort and convenience at an unbeatable value. Step inside to find newer luxury vinyl flooring and fresh paint throughout, creating a bright, move-in-ready living space that feels fresh and inviting. With a low monthly HOA of just $195, this property is ideal for both first-time buyers and investors looking for steady rental potential. The layout provides comfortable bedrooms, a functional kitchen, and a cozy living area perfect for relaxing or entertaining. Located just 10 minutes from the University of South Florida (USF) and a short drive to downtown Tampa, major shopping, dining, and Tampa International Airport, this condo offers easy access to everything the area has to offer — from vibrant nightlife to top-rated employers and beaches. Whether you’re searching for your next home or a solid investment opportunity, this condo delivers style, convenience, and value.

19. 2023-11-14
    soldstatus $148,500
20. 2023-11-03
    soldstatus $148,500 Closed 632-char remark

    Show marketing remark (632 chars)

    Cozy- 2 bedroom Condo in prime location. Discover this charming 2 bedroom 1 bathroom condominium in an excellent location. While this unit may not have had recent updates, it offers a fantastic opportunity for those seeking a blank canvas to create their ideal living space. Low monthly condo fee. This condo is perfect for someone with a vision for renovation and design. Customize the space to your taste, and you'll have comfortable and stylish home in no time. The location is unbeatable, with easy access to shops, restaurants and parks. Don't miss out on this opportunity to make this condo your own. Schedule a showing today!

21. 2023-10-13
    status Pending 632-char remark

    Show marketing remark (632 chars)

    Cozy- 2 bedroom Condo in prime location. Discover this charming 2 bedroom 1 bathroom condominium in an excellent location. While this unit may not have had recent updates, it offers a fantastic opportunity for those seeking a blank canvas to create their ideal living space. Low monthly condo fee. This condo is perfect for someone with a vision for renovation and design. Customize the space to your taste, and you'll have comfortable and stylish home in no time. The location is unbeatable, with easy access to shops, restaurants and parks. Don't miss out on this opportunity to make this condo your own. Schedule a showing today!

22. 2023-10-05
    listed $155,000 Active 632-char remark

    Show marketing remark (632 chars)

    Cozy- 2 bedroom Condo in prime location. Discover this charming 2 bedroom 1 bathroom condominium in an excellent location. While this unit may not have had recent updates, it offers a fantastic opportunity for those seeking a blank canvas to create their ideal living space. Low monthly condo fee. This condo is perfect for someone with a vision for renovation and design. Customize the space to your taste, and you'll have comfortable and stylish home in no time. The location is unbeatable, with easy access to shops, restaurants and parks. Don't miss out on this opportunity to make this condo your own. Schedule a showing today!

23. 1982-07-01
    soldstatus $32,000

ⓘ 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: $2,353 · $196/mo
• Projected year-2 tax: $2,353 · $196/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 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥111°F today · 27 d/yr by 30 yrs out
• 💨 Wind 9/10 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: $18,516
• − Mortgage interest: −$8,682
• − Property taxes: −$2,353
• − Insurance: −$775
• − Repairs & maintenance: −$1,481
• − Management: −$1,481
• − HOA: −$2,340
• − Depreciation: −$4,509
• Taxable loss: −$3,107
• Est. tax savings @ 24.0%: +$746
• After-tax cash flow: $151/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 — Thonotosassa

• Score: 64/100
• State rank: #673
• US rank: #13914

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Thonotosassa, FL
• County: Hillsborough County · 1,540,968 people
• City population: 12,333
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 12,333
• Household income: $68,802
• Rent vs Own: 37.2% rent · 62.8% own
• Severe rent burden: 306.0

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: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 62% Hispanic / Latino 16% Black 15% Two or more races 7% Asian 4%
• Hispanic origin (detail): Mexican 6% Puerto Rican 4% Cuban 2%
• Common ancestry: Lithuanian 3% Italian 2% Romanian 1%
• Foreign-born: 9% · Canada, Jamaica, Vietnam
• Languages at home: 82% English-only · Spanish 12% Other Indo-European 1% Other Asian/Pacific 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: ▼ -30.90%
• Current HPI: 364.3745
• Rent YoY: —
• 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

+384.4% since first listed

8 events — show timeline

• 2026-04-26 Price Changed $155,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-23 Price Changed $159,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-23 Listed $160,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-14 Sold (Public Records) $148,500 Public Records
• 2023-11-03 Sold (MLS) $148,500 Stellar MLS as Distributed by MLS Grid
• 2023-10-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-10-05 Listed $155,000 Stellar MLS as Distributed by MLS Grid
• 1982-07-01 Sold (Public Records) $32,000 Public Records

Property tax history

+11.0%/yr

Latest (2025): $2,353 · +6.2% YoY. Source: county tax records.