2910 E Emma St · Tampa, FL 33610

$219,000

4 bd · 2.0 ba · 1,351 sqft · SingleFamily public records · 155 Days on market

Built 1951 5,125 sqft lot

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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 +23.1/30.0
• ARV discount +7.5/15.0
• DSCR +7.4/10.0
• 1% rule +6.1/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Tenant-occupied single-family home offering a 4-bedroom, 2-bath layout suitable for investment or future owner-occupancy. The home features a front porch, a spacious carport, and a backyard that provides additional outdoor space. In recent years, the kitchen has been updated with wood cabinetry, sleek countertops, and vinyl flooring. The bedrooms feature carpet, while the bathrooms include tile flooring with updated fixtures and vanities. Select lighting fixtures have been updated. Interior photos were taken prior to tenant occupancy. The property is currently occupied by a long-term tenant generating $1,800 per month in rental income, with a lease in place through April 30, 2026. The tenant is responsible for all utilities. Conveniently located near public transportation and local amenities, this property offers immediate income potential or has future flexibility for a first time home buyer or downsizing once the lease concludes. Please do not disturb the tenant. Showings by appointment only.

Key facts

• Front porch
• Backyard
• Spacious carport

Tags

• FRONT PORCH
• SPACIOUS CARPORT
• BACKYARD
• UPDATED KITCHEN
• WOOD CABINETRY
• SLEEK COUNTERTOPS

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $219k.

Deal economics

• At list price, monthly cash flow is $395 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $219k).
• Recommended offer: $193k (12.0% below list) — sets the bar for market timing.

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 falling (-4.7%/yr); 278 active listings in the ZIP; 40 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).
• At $2,426/mo this rent would consume 54% of the median local household income ($54k/yr) (locally 2431% 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 $2k of loan paydown is wiped out by about $7k 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 155 days — a 12% lower offer ($193k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $32k; list at $219k implies a 584% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: 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 $192,720 (12.0% below list)

Questions for the listing agent

1. It's been on market 155 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1951 — 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. 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?
6. 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.
7. 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.
8. 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: 1.11% ✓
• Cap rate: 8.45%
• Cash-on-cash: 7.72%
• DSCR: 1.34
• GRM: 7.5

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: -8.0%
• Equity multiple: 0.72×
• Total profit: $-17,428
• Equity at exit: $32,654

10-year hold

• IRR: -2.8%
• Equity multiple: 0.83×
• Total profit: $-10,129
• Equity at exit: $18,935

Cash invested: $61,320 (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 33610

• Home prices YoY: -27.0%
• Rents YoY: -4.7%
• Active inventory: 278
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $2,426 high
• Mortgage (P&I): −$1,148
• Tax from tax record: −$283 /mo · $3,392/yr
• Insurance: −$91
• HOA: −$0
• Vacancy / Maint / Mgmt: −$510
• Net cashflow: $395

Break-even live

Break-even rent $1,927

Max offer price $219,000

Occupancy floor 79%

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: $54,750
• Closing costs: $6,570
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4303 N 30th St Tampa, FL	3.0	2.0	1260	$3,200	$2.54	1d	1	0.10mi
3002 E 38th Ave Tampa, FL	3.0	2.0	1413	$2,600	$1.84	24d	1	0.15mi
3111 E Cayuga St Tampa, FL	4.0	2.0	1315	$2,250	$1.71	24d	1	0.16mi
2615 E Curtis St Tampa, FL	3.0	2.0	1572	$1,850	$1.18	20d	1	0.19mi
4204 N 29th St Tampa, FL	3.0	1.0	957	$1,800	$1.88	24d	1	0.21mi
3212 E Emma St Tampa, FL	4.0	2.0	1332	$2,300	$1.73	3d	1	0.22mi
3413 E Louisiana Ave #2 Tampa, FL	3.0	2.5	1489	$2,500	$1.68	24d	1	0.42mi
3716 N 31st St Tampa, FL	3.0	2.0	1200	$1,895	$1.58	4d	1	0.46mi
2607 Lindell Ave Tampa, FL	4.0	2.0	1448	$2,395	$1.65	2d	1	0.47mi
3001 E McBerry St Tampa, FL	3.0	2.0	1118	$1,945	$1.74	4d	1	0.48mi
2610 E Lake Ave Tampa, FL	3.0	2.0	1698	$2,250	$1.33	2d	1	0.57mi
3705 E North Bay St Tampa, FL	3.0	2.0	969	$1,850	$1.91	3d	1	0.61mi
3724 E 38th Ave Tampa, FL	3.0	2.0	1188	$1,895	$1.60	24d	1	0.64mi
4501 N 39th St Tampa, FL	4.0	1.0	1072	$1,595	$1.49	21d	1	0.67mi
3107 Chipco St Tampa, FL	3.0	1.0	1268	$1,799	$1.42	24d	1	0.74mi
3507 E 29th Ave Tampa, FL	3.0	2.0	928	$1,700	$1.83	24d	1	0.77mi
3706 E Shadowlawn Ave Tampa, FL	3.0	1.0	1080	$1,950	$1.81	10d	1	0.80mi
1711 E New Orleans Ave Tampa, FL	3.0	2.0	1136	$2,250	$1.98	20d	1	0.84mi
5203 N 39th St Tampa, FL	4.0	2.0	1600	$2,100	$1.31	2d	1	0.85mi
3022 Deleuil Ave Tampa, FL	3.0	2.0	1053	$1,850	$1.76	19d	1	0.87mi
1602 E North Bay St Tampa, FL	3.0	2.0	1200	$2,100	$1.75	24d	1	0.89mi
1608 E New Orleans Ave Tampa, FL	4.0	2.0	1254	$1,895	$1.51	14d	1	0.91mi
1517 E Ellicott St Tampa, FL	3.0	2.0	1292	$2,225	$1.72	16d	1	0.95mi
1501 E Palifox St Tampa, FL	3.0	2.0	1248	$1,750	$1.40	13d	1	0.95mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	10d	1	0.99mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	24d	1	0.99mi
3517 Bishop Eddie Newkirk Way Tampa, FL	3.0	2.0	1200	$2,500	$2.08	24d	1	1.00mi
1504 E 33rd Ave Tampa, FL	3.0	2.0	1108	$2,900	$2.62	24d	1	1.01mi
3114 E 21st Ave Unit 1328494P Tampa, FL	4.0	2.0	1614	$4,889	$3.03	4d	1	1.06mi
1301 E Cayuga St Tampa, FL	3.0	1.5	1216	$2,200	$1.81	24d	1	1.09mi
4236 E Cayuga St Tampa, FL	5.0	2.0	1513	$1,800	$1.19	24d	1	1.10mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	4d	1	1.14mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	3d	1	1.14mi
2016 E Clifton St Unit A Tampa, FL	3.0	2.0	1250	$2,249	$1.80	24d	1	1.14mi
3409 E Paris St Tampa, FL	4.0	2.0	1375	$2,400	$1.75	24d	1	1.18mi
1305 E Louise Ave Tampa, FL	3.0	2.0	1384	$2,700	$1.95	24d	1	1.20mi
3001 E Jean St Tampa, FL	3.0	2.0	999	$1,695	$1.70	24d	1	1.23mi
3101 E 18th Ave Tampa, FL	3.0	1.0	1050	$1,750	$1.67	3d	1	1.24mi
1108 E Chelsea St Tampa, FL	3.0	2.0	1637	$3,250	$1.99	24d	1	1.24mi
1610 E Powhatan Ave Tampa, FL	3.0	2.0	1188	$3,250	$2.74	24d	1	1.24mi

Listing history 18 events

1. 2026-06-18
   days on market $219,000 Active 155 DOM
2. 2026-06-17
   days on market $219,000 Active 154 DOM
3. 2026-06-16
   days on market $219,000 Active 153 DOM
4. 2026-06-15
   days on market $219,000 Active 152 DOM
5. 2026-06-13
   days on market $219,000 Active 150 DOM
6. 2026-06-13
   days on market $219,000 Active 149 DOM
7. 2026-06-09
   days on market $219,000 Active 146 DOM
8. 2026-06-08
   days on market $219,000 Active 145 DOM
9. 2026-06-07
   days on market $219,000 Active 144 DOM
10. 2026-06-04
    days on market $219,000 Active 141 DOM
11. 2026-06-03
    days on market $219,000 Active 140 DOM
12. 2026-06-02
    pricedays on market $219,000 Active 139 DOM
13. 2026-06-01
    days on market $239,000 Active 138 DOM
14. 2026-05-31
    days on market $239,000 Active 137 DOM
15. 2026-03-19
    price $259,000 1009-char remark

    Show marketing remark (1009 chars)

    Tenant-occupied single-family home offering a 4-bedroom, 2-bath layout suitable for investment or future owner-occupancy. The home features a front porch, a spacious carport, and a backyard that provides additional outdoor space. In recent years, the kitchen has been updated with wood cabinetry, sleek countertops, and vinyl flooring. The bedrooms feature carpet, while the bathrooms include tile flooring with updated fixtures and vanities. Select lighting fixtures have been updated. Interior photos were taken prior to tenant occupancy. The property is currently occupied by a long-term tenant generating $1,800 per month in rental income, with a lease in place through April 30, 2026. The tenant is responsible for all utilities. Conveniently located near public transportation and local amenities, this property offers immediate income potential or has future flexibility for a first time home buyer or downsizing once the lease concludes. Please do not disturb the tenant. Showings by appointment only.

16. 2026-01-14
    listed $269,000 Active 1009-char remark

    Show marketing remark (1009 chars)

    Tenant-occupied single-family home offering a 4-bedroom, 2-bath layout suitable for investment or future owner-occupancy. The home features a front porch, a spacious carport, and a backyard that provides additional outdoor space. In recent years, the kitchen has been updated with wood cabinetry, sleek countertops, and vinyl flooring. The bedrooms feature carpet, while the bathrooms include tile flooring with updated fixtures and vanities. Select lighting fixtures have been updated. Interior photos were taken prior to tenant occupancy. The property is currently occupied by a long-term tenant generating $1,800 per month in rental income, with a lease in place through April 30, 2026. The tenant is responsible for all utilities. Conveniently located near public transportation and local amenities, this property offers immediate income potential or has future flexibility for a first time home buyer or downsizing once the lease concludes. Please do not disturb the tenant. Showings by appointment only.

17. 2017-03-24
    soldstatus $32,000
18. 2000-03-30
    soldstatus $49,900

ⓘ 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: $3,392 · $283/mo
• Projected year-2 tax: $3,392 · $283/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 ≥109°F today · 26 d/yr by 30 yrs out
• 💨 Wind 9/10 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: $29,118
• − Mortgage interest: −$12,267
• − Property taxes: −$3,392
• − Insurance: −$1,095
• − Repairs & maintenance: −$2,329
• − Management: −$2,329
• − Depreciation: −$6,371
• Taxable income: $1,334
• Est. tax owed @ 24.0%: −$320
• After-tax cash flow: $4,414/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): 46,587
• Household income: $54,209
• Rent vs Own: 48.4% rent · 51.6% own
• Severe rent burden: 2431.0

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 0.62)
• Race & ethnicity: Black 55% Hispanic / Latino 22% White 17% Two or more races 13% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 7% Cuban 6%
• Common ancestry: Hispanic 2% Romanian 1% Slovak 1%
• Foreign-born: 18% · Canada
• Languages at home: 75% English-only · Spanish 18% French/Haitian/Cajun 3% 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: ▼ -158.81%
• Current HPI: 428.9741
• Rent YoY: ▼ -4.72%
• 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

+419.0% since first listed

4 events — show timeline

• 2026-03-19 Price Changed $259,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-14 Listed $269,000 Stellar MLS as Distributed by MLS Grid
• 2017-03-24 Sold (Public Records) $32,000 Public Records
• 2000-03-30 Sold (Public Records) $49,900 Public Records

Property tax history

+14.0%/yr

Latest (2025): $3,392 · +11.6% YoY. Source: county tax records.