225 S Valrico Rd · Valrico, FL 33594

$5,000

5 bd · 2.0 ba · 3,568 sqft · SingleFamily public records · 7 Days on market

Built 1981

---

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 +3.5/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This one of a kind country style home is located on 2.55 beautiful acres loaded with majestic oaks and lush landscaping in the heart of Valrico. Some of the beautiful upgrades include wood floors, crown molding, high ceilings, wood shutters on all windows and new French exterior doors. Recent upgrades include 2 new Trane air conditioners, new drainfield, pool features new tile, deck, pump and de filter. The kitchen has also been remodeled with new cooktop, oven, microwave, dishwasher, and stainless steel refrigerator. But the best feature of all is the privacy! No backyard or sideyard neighbors! Escape city living with this home retreat, but don't give up the convience of the city. Minutes from shopping, resturants and interstates. Cool off in those hot months in the sparkling pool, and in the cooler months rela x on the huge porch. This unique property won't last long. Please call today!Listed $10,000 below current appraisal!!

Key facts

• Built 1981
• Listed 7 days

Property features AI

Exterior

• Home design: Residential property; 2 total stories
• Exterior features: Approximately 2.35-acre lot; Zoned ASC-1

Interior

• Bathrooms: 2 full bathrooms
• Interior features: Two-story interior

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $2k ($27k/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 70/100 on livability (#442 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, crime A, employment A; Watch: amenities F, commute 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 (+2.2%/yr); 211 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 38% of the median local income ($97k/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 $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 + 2.2% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 22y 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

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 61.95% ✓
• Cap rate: 585.30%
• Cash-on-cash: 2067.90%
• DSCR: 93.01
• GRM: 0.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.19% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 102.78×
• Total profit: $142,491
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 216.76×
• Total profit: $302,060
• 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 33594

• Rents YoY: 2.2%
• Active inventory: 211
• Price-to-rent: 0.1×

Monthly cashflow live

• Estimated rent: $3,098 medium
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$650
• Net cashflow: $2,287

Break-even live

Break-even rent $202

Max offer price $5,000

Occupancy floor 21%

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 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
855 E Brandon Blvd Brandon, FL	5.0	3.0	2464	$3,000	$1.22	24d	1	1.38mi

Listing history 15 events

1. 2026-06-04
   days on market $5,000 Active 7 DOM
2. 2026-06-03
   days on market $5,000 Active 6 DOM
3. 2026-06-02
   days on market $5,000 Active 5 DOM
4. 2026-06-01
   days on market $5,000 Active 4 DOM
5. 2026-05-31
   days on market $5,000 Active 3 DOM
6. 2026-05-28
   listed $5,000 Active
7. 2004-11-22
   soldstatus $450,000
8. 2004-10-29
   soldstatus $450,000 945-char remark

   Show marketing remark (945 chars)

   This one of a kind country style home is located on 2.55 beautiful acres loaded with majestic oaks and lush landscaping in the heart of Valrico. Some of the beautiful upgrades include wood floors, crown molding, high ceilings, wood shutters on all windows and new French exterior doors. Recent upgrades include 2 new Trane air conditioners, new drainfield, pool features new tile, deck, pump and de filter. The kitchen has also been remodeled with new cooktop, oven, microwave, dishwasher, and stainless steel refrigerator. But the best feature of all is the privacy! No backyard or sideyard neighbors! Escape city living with this home retreat, but don't give up the convience of the city. Minutes from shopping, resturants and interstates. Cool off in those hot months in the sparkling pool, and in the cooler months rela x on the huge porch. This unique property won't last long. Please call today!Listed $10,000 below current appraisal!!

9. 2004-05-27
   listed $459,900 945-char remark

   Show marketing remark (945 chars)

   This one of a kind country style home is located on 2.55 beautiful acres loaded with majestic oaks and lush landscaping in the heart of Valrico. Some of the beautiful upgrades include wood floors, crown molding, high ceilings, wood shutters on all windows and new French exterior doors. Recent upgrades include 2 new Trane air conditioners, new drainfield, pool features new tile, deck, pump and de filter. The kitchen has also been remodeled with new cooktop, oven, microwave, dishwasher, and stainless steel refrigerator. But the best feature of all is the privacy! No backyard or sideyard neighbors! Escape city living with this home retreat, but don't give up the convience of the city. Minutes from shopping, resturants and interstates. Cool off in those hot months in the sparkling pool, and in the cooler months rela x on the huge porch. This unique property won't last long. Please call today!Listed $10,000 below current appraisal!!

10. 2001-01-25
    soldstatus $269,500
11. 2001-01-25
    soldstatus $269,500
12. 2000-05-26
    soldstatus $265,000
13. 1999-09-09
    soldstatus $240,000
14. 1992-12-01
    soldstatus $220,000
15. 1980-07-01
    soldstatus $27,500

ⓘ 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 7/10 Severe FEMA zone A · 77% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 25 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 · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $37,171
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$1,528
• − Repairs & maintenance: −$2,974
• − Management: −$2,974
• − Depreciation: −$145
• Taxable income: $29,196
• Est. tax owed @ 24.0%: −$7,007
• After-tax cash flow: $20,441/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 — Valrico

• Score: 70/100
• State rank: #442
• US rank: #7901

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Valrico, FL
• County: Hillsborough County · 1,540,968 people
• City population: 65,118
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 37,361
• Household income: $96,628
• Rent vs Own: 22.8% rent · 77.2% own
• Severe rent burden: 568.0

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 0.65)
• Race & ethnicity: White 52% Hispanic / Latino 25% Two or more races 17% Black 15% Asian 4%
• Hispanic origin (detail): Mexican 4% Puerto Rican 8% Cuban 3% Dominican 2%
• Common ancestry: Romanian 2% Hispanic 2% Lithuanian 2%
• Foreign-born: 17% · Canada, Jamaica, Dominican Republic
• Languages at home: 72% English-only · Spanish 19% Other Indo-European 2% Other Asian/Pacific 2%

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: ▼ -226.31%
• Current HPI: 317.0404
• Rent YoY: ▲ 2.19%
• 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

-81.8% since first listed

10 events — show timeline

• 2026-05-28 Listed $5,000 NFMLS
• 2004-11-22 Sold (Public Records) $450,000 Public Records
• 2004-10-29 Sold (MLS) $450,000 Stellar MLS as Distributed by MLS Grid
• 2004-05-27 Listed $459,900 Stellar MLS as Distributed by MLS Grid
• 2001-01-25 Sold (Public Records) $269,500 Public Records
• 2001-01-25 Sold (Public Records) $269,500 Public Records
• 2000-05-26 Sold (Public Records) $265,000 Public Records
• 1999-09-09 Sold (Public Records) $240,000 Public Records
• 1992-12-01 Sold (Public Records) $220,000 Public Records
• 1980-07-01 Sold (Public Records) $27,500 Public Records

Property tax history

+1.5%/yr

Latest (2025): $5,065 · +8.7% YoY. Source: county tax records.