4715 Christa Ct #335 · Tampa, FL 33614

$140,000

3 bd · 2.0 ba · 1,176 sqft · Condo public records · 7 Days on market

Built 1971 $482/mo HOA · 26% of rent

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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 +19.0/30.0
• 1% rule +8.3/10.0
• ARV discount +7.5/15.0
• DSCR +6.0/10.0
• 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

Under contract-accepting backup offers. CASH sale with end buyer only! Incredible opportunity to own this oversized 3 bedroom, 2 bathroom ground-floor condo in a central Tampa location. Offering an expansive layout rarely found at this price point, this unit is ideal for an investor or buyer looking to make it their own. Conveniently located just minutes from Seminole Heights, Raymond James Stadium, Tampa International Airport, major highways, shopping, dining, and more. Community features include on-site laundry facilities and a community pool. Partially furnished with all contents conveying for seller convenience. Tons of potential and square footage here. .. bring your vision and unlock

Key facts

• Community pool
• Ground-floor condo
• $482 HOA

Tags

• GROUND-FLOOR CONDO
• CENTRAL TAMPA LOCATION
• ON-SITE LAUNDRY FACILITIES
• COMMUNITY POOL

Property features AI

Finance

• Other: Unit is partially furnished; Located at the back of the community (directions: Habana to Christa Ct.)
• Financial info: Total annual HOA/condo fees reported as $5,784; Lease restrictions apply
• HOA & community: Monthly condo/association fee of $482 (Westcoast Management); Association fees include management and pool; Buyer approval required for association; Pool in community; Pets allowed (max ~20 lbs)

Exterior

• Utilities: Public water; Public sewer; Public utilities
• Home design: Condominium; Residential property; One-level living; Faces east; 2 total stories in building
• Construction: Block and frame construction; Membrane roof; Slab foundation; Building/complex number 4715
• Exterior features: Sidewalk

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Open floorplan; Living room / dining room combo
• Laundry & utility: No laundry in unit

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath condo listed at $140k.

Deal economics

• At list price, monthly cash flow is $146 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).

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; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 44% of the median local income ($50k/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 $968 of loan paydown is wiped out by about $4k 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

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $80k; list at $140k implies a 75% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 26% of rent.
• 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 $140,000

Questions for the listing agent

1. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
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 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: 1.33% ✓
• Cap rate: 7.54%
• Cash-on-cash: 4.47%
• DSCR: 1.20
• GRM: 6.3

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: -13.7%
• Equity multiple: 0.53×
• Total profit: $-18,586
• Equity at exit: $20,874

10-year hold

• IRR: -12.8%
• Equity multiple: 0.38×
• Total profit: $-24,246
• Equity at exit: $12,105

Cash invested: $39,200 (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: 6.3×

Monthly cashflow live

• Estimated rent: $1,857 high
• Mortgage (P&I): −$734
• Tax from tax record: −$46 /mo · $556/yr
• Insurance: −$58
• HOA: −$482
• Vacancy / Maint / Mgmt: −$390
• Net cashflow: $146

Break-even live

Break-even rent $1,672

Max offer price $140,000

Occupancy floor 87%

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4725 Joseph Ct #234 Tampa, FL	2.0	2.0	1050	$1,420	$1.35	24d	1	0.05mi
4610 N Armenia Ave Tampa, FL	2.0	1.0–2.0	700	$1,625	$2.32	4d	10	0.14mi
4714 N Habana Ave Tampa, FL	1.0–2.0	1.0–2.0	775	$1,865	$2.41	1d	43	0.24mi
2507 W Virginia Ave Apt D Tampa, FL	2.0	1.0	798	$1,675	$2.10	12d	1	0.41mi
2507 W Virginia Ave Apt D Tampa, FL	2.0	1.0	798	$1,700	$2.13	24d	1	0.41mi
4900 N Macdill Ave Tampa, FL	1.0–2.0	1.0	810	$1,685	$2.08	1d	13	0.46mi
4902 N Macdill Ave Tampa, FL	2.0	1.0–2.0	675	$1,550	$2.30	2d	35	0.56mi
2917 W Frierson Ave Tampa, FL	3.0	2.0	1310	$2,500	$1.91	24d	1	0.62mi
2515 W Frierson Ave Tampa, FL	2.0	1.0–2.0	775	$1,650	$2.13	24d	10	0.63mi
4103 N Howard Ave Unit A Tampa, FL	3.0	1.0	908	$2,100	$2.31	21d	1	0.72mi
2711 W Heiter St Tampa, FL	2.0	1.0	974	$1,950	$2.00	24d	1	0.76mi
4801 Wishart Blvd Unit 1053162P Tampa, FL	3.0	2.0	1420	$7,187	$5.06	13d	1	0.77mi
5505 N Habana Ave Tampa, FL	2.0	1.0	747	$1,800	$2.41	1d	3	0.77mi
4515 N Rome Ave Tampa, FL	1.0–3.0	1.0–2.5	862	$1,980	$2.30	1d	59	0.79mi
3350 W Hillsborough Ave Tampa, FL	1.0–2.0	1.0–2.0	825	$1,700	$2.06	2d	54	0.81mi
4009 N Howard Ave Tampa, FL	3.0	1.0–2.0	752	$2,230	$2.97	1d	20	0.84mi
3321 W Woodlawn Ave Tampa, FL	3.0	2.0	1350	$2,599	$1.93	24d	1	0.86mi
3021 W Tampa Bay Blvd Tampa, FL	3.0	2.0	1298	$2,600	$2.00	24d	1	0.86mi
2424 W Tampa Bay Blvd Unit L408 Tampa, FL	3.0	2.0	1295	$2,350	$1.81	24d	1	0.92mi
2424 W Tampa Bay Blvd Unit 1 Tampa, FL	3.0	2.0	1295	$2,395	$1.85	24d	1	0.92mi
2424 W Tampa Bay Blvd Tampa, FL	3.0	2.0	1295	$2,200	$1.70	12d	1	0.92mi
2511 W Braddock St Unit A Tampa, FL	3.0	2.0	1100	$2,500	$2.27	24d	1	0.93mi
2424 W Tampa Bay Blvd Unit M201 Tampa, FL	3.0	2.0	1295	$2,200	$1.70	14d	1	0.96mi
3336 W Heiter St Tampa, FL	3.0	2.0	1000	$2,795	$2.79	24d	1	0.99mi
5702 N Lincoln Ave Tampa, FL	2.0	1.0	1000	$1,295	$1.29	2d	4	1.01mi
5704 N Lincoln Ave Unit B Tampa, FL	2.0	1.0	950	$1,295	$1.36	1d	1	1.03mi
5706 N Lincoln Ave Unit C Tampa, FL	2.0	1.0	950	$1,295	$1.36	1d	1	1.04mi
4111 N Poplar Ave Tampa, FL	1.0–2.0	1.0–1.5	800	$1,725	$2.16	2d	22	1.04mi
5712 N Lincoln Ave Unit A Tampa, FL	2.0	1.0	950	$1,295	$1.36	1d	1	1.05mi
5718 N Lincoln Ave Apt C Tampa, FL	2.0	1.0	950	$1,295	$1.36	1d	1	1.06mi
5720 N Lincoln Ave Unit D Tampa, FL	2.0	1.0	950	$1,295	$1.36	1d	1	1.07mi
5505 N Himes Ave Tampa, FL	1.0–3.0	1.0–2.0	1092	$1,825	$1.67	2d	8	1.13mi
4012 N Munro St Tampa, FL	3.0	2.0	1486	$3,850	$2.59	24d	1	1.19mi
5611 N McKay Ave Tampa, FL	2.0	1.0	912	$1,795	$1.97	23d	1	1.19mi
5611 N McKay Ave Tampa, FL	2.0	1.0	912	$1,795	$1.97	21d	1	1.19mi
919 W Plymouth St Tampa, FL	3.0	2.0	1176	$2,795	$2.38	4d	1	1.22mi
5510 N Himes Ave Tampa, FL	2.0	1.0–2.0	676	$1,488	$2.20	1d	18	1.25mi
6115 N Albany Ave Tampa, FL	3.0	2.0	1476	$2,250	$1.52	20d	1	1.26mi
715 W Ohio Ave Tampa, FL	2.0	1.0	1050	$1,923	$1.83	13d	1	1.30mi
4412 N Clearfield Ave Tampa, FL	3.0	2.0	1336	$2,250	$1.68	24d	1	1.30mi

HOA detail condo

• Monthly dues: $482 · $5,784/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 10 events

1. 2026-06-03
   remarks 699-char remark
2. 2026-06-03
   status $140,000 Pending 7 DOM
3. 2026-06-02
   days on market $140,000 Active 7 DOM
4. 2026-06-01
   days on market $140,000 Active 6 DOM
5. 2026-05-31
   days on market $140,000 Active 5 DOM
6. 2026-05-26
   listed $140,000 Active
7. 2002-03-04
   soldstatus $80,000
8. 1999-04-20
   soldstatus $62,000
9. 1982-09-01
   soldstatus $45,700
10. 1981-05-01
    soldstatus $39,000

ⓘ 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: $556 · $46/mo
• Projected year-2 tax: $1,162 · $97/mo
• Expected delta: +$606/yr (+$50/mo · 108.9%)

ⓘ 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 · 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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,281
• − Mortgage interest: −$7,842
• − Property taxes: −$556
• − Insurance: −$700
• − Repairs & maintenance: −$1,782
• − Management: −$1,782
• − HOA: −$5,784
• − Depreciation: −$4,073
• Taxable loss: −$239
• Est. tax savings @ 24.0%: +$57
• After-tax cash flow: $1,809/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

+259.0% since first listed

5 events — show timeline

• 2026-05-26 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2002-03-04 Sold (Public Records) $80,000 Public Records
• 1999-04-20 Sold (Public Records) $62,000 Public Records
• 1982-09-01 Sold (Public Records) $45,700 Public Records
• 1981-05-01 Sold (Public Records) $39,000 Public Records

Property tax history

+0.4%/yr

Latest (2025): $556 · +7.7% YoY. Source: county tax records.