1909 19th St S · St. Petersburg, FL 33712

$186,999

3 bd · 1.0 ba · 1,224 sqft · SingleFamily public records · 42 Days on market

Built 1925 7,479 sqft lot Est $310k · 40% under

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Why this score? — see what drove the B- 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 +26.0/30.0
• ARV discount +15.0/15.0
• DSCR +8.7/10.0
• 1% rule +6.6/10.0
• Schools +4.3/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

GREAT INVESTMENT HOME!!! SOME SWEAT EQUITY NEEDED, BUT IT WON'T BE WAISTED ON THIS SUPER HOME FOR A 1ST TIME BUYER OF AS RENTAL INCOME. THIS 3 BEDROOM 1 BATH HOME HAS OVER 1200 SQ FT WITH A NICE SIZED YARD. ONLY A SHORT WALK TO LAKE MAGGIORIE AND STEPS TO PUBLIC TRANSPORTATION. SEE THIS HOME TODAY, BUY IT TOMORROW!!

Key facts

• Convenient access
• Major roadways
• Single story home

Tags

• SINGLE STORY HOME
• FUNCTIONAL LAYOUT
• SEPARATE DINING SPACE
• CONVENIENT ACCESS
• MAJOR ROADWAYS
• NEARBY PARKS

Property features AI

Finance

• Other: Property type: Residential — Single Family Residence; Total living area reported as 1,224 (owner-provided)
• HOA & community: Pets allowed

Exterior

• Utilities: Water source: See remarks; Sewer: Other; Utilities: Other
• Home design: Single-family residence; One story; Faces east; Fixer condition
• Construction: Stone construction; Shingle roof; Slab foundation; Built on 0.17-acre lot
• Exterior features: Asphalt road access

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Heating: Other; Cooling: Other
• Interior features: Open floorplan
• Laundry & utility: Laundry: Other

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $187k.

Deal economics

• At list price, monthly cash flow is $463 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $187k).
• Recommended offer: $181k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.3% vs local median 2.6% in St. Petersburg — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Pinellas Central Elementary School (math 51% / reading 45%, grade D, #1,171 of 2,144 statewide, top 55%, 498 students, 64% FRL); Gibbs High School (math 26% / reading 41%, grade F, #400 of 667 statewide, top 61%, 1,160 students, 64% FRL) — zoned schools average 64% FRL vs 48% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.8%/yr); 204 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 43% of the median local income ($60k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($181k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 17y ago; this cycle's ask has dropped $21k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $128k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• 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 $181,389 (3.0% below list)

Questions for the listing agent

1. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.16% ✓
• Cap rate: 9.26%
• Cash-on-cash: 10.60%
• DSCR: 1.47
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $309,672
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1962 15th Ave S	0.32mi	3/1.0	1,245 (+2%)	3mo	$122,000	$98	80
2703 18th St S	0.50mi	3/2.0	1,221 (-0%)	1mo	$329,900	$270	72
2534 19th St S	0.38mi	3/2.0	1,160 (-5%)	2mo	$205,000	$177	68
1618 20th Ave S	0.25mi	3/1.0	1,378 (+13%)	3mo	$120,000	$87	65
1710 26th Ave S	0.47mi	3/2.0	1,154 (-6%)	2mo	$389,800	$338	63
2534 22nd St S	0.43mi	3/2.0	1,156 (-6%)	5mo	$366,000	$317	62
1735 26th Ave S	0.42mi	3/2.0	1,153 (-6%)	8mo	$300,000	$260	60
1126 Melrose Ave S	0.69mi	3/2.0	1,293 (+6%)	0mo	$375,000	$290	54
1333 Melrose Ave S	0.59mi	3/2.0	1,320 (+8%)	5mo	$300,000	$227	51
2487 15th Ave S	0.58mi	3/2.0	1,125 (-8%)	6mo	$285,000	$253	50
1425 11th Ave S	0.70mi	4/2.0 (+1)	1,137 (-7%)	6mo	$182,500	$161	41
1307 12th Ave S	0.68mi	4/2.0 (+1)	1,349 (+10%)	4mo	$240,000	$178	39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: -3.8%
• Equity multiple: 0.86×
• Total profit: $-7,190
• Equity at exit: $27,882

10-year hold

• IRR: 2.2%
• Equity multiple: 1.14×
• Total profit: $7,129
• Equity at exit: $16,168

Cash invested: $52,360 (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 33712

• Rents YoY: -0.8%
• Active inventory: 204
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $2,171 high
• Mortgage (P&I): −$981
• Tax from tax record: −$194 /mo · $2,324/yr
• Insurance: −$78
• HOA: −$0
• Vacancy / Maint / Mgmt: −$456
• Net cashflow: $463

Break-even live

Break-even rent $1,585

Max offer price $186,999

Occupancy floor 74%

Sensitivity live

Price	-10% $568	-5% $516	+0% $463	+5% $410	+10% $357
Rent	-10% $291	-5% $377	+0% $463	+5% $548	+10% $634
Rate	-1.0pp $557	-0.5pp $510	base $463	+0.5pp $414	+1.0pp $365

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: $46,750
• Closing costs: $5,610
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1847 19th St S Saint Petersburg, FL	3.0	2.0	1203	$2,295	$1.91	5d	1	0.02mi
1828 20th Ave S Saint Petersburg, FL	3.0	1.0	1015	$1,650	$1.63	25d	1	0.07mi
1911 22nd Ave S St Petersburg, FL	4.0	2.0	1424	$3,000	$2.11	3d	1	0.16mi
1760 Queen St S Saint Petersburg, FL	3.0	1.0	1004	$2,000	$1.99	5d	1	0.17mi
1763 Preston St S Saint Petersburg, FL	3.0	1.0	1158	$2,350	$2.03	25d	1	0.20mi
2010 22nd St S Saint Petersburg, FL	3.0	1.0	1036	$1,695	$1.64	5d	1	0.24mi
1650 Prescott St S Saint Petersburg, FL	3.0	1.0	960	$2,100	$2.19	5d	1	0.30mi
2244 21st Ave S Saint Petersburg, FL	3.0	1.0	1229	$2,250	$1.83	5d	1	0.32mi
1771 15th Ave S Saint Petersburg, FL	2.0	1.0	800	$1,195	$1.49	4d	1	0.35mi
1920 14th Ave S Saint Petersburg, FL	3.0	2.0	1073	$1,865	$1.74	25d	1	0.35mi
2505 18th St S Saint Petersburg, FL	3.0	2.0	1198	$2,350	$1.96	4d	1	0.36mi
2435 20th St S Unit 1 St. Petersburg, FL	4.0	2.0	1230	$2,650	$2.15	25d	1	0.36mi
1715 14th St S St. Petersburg, FL	2.0	1.0	1000	$1,850	$1.85	25d	1	0.36mi
2028 14th Ave S Unit A St. Petersburg, FL	2.0	2.0	1000	$1,920	$1.92	25d	1	0.36mi
2020 14th Ave S Unit A St. Petersburg, FL	2.0	2.0	1000	$1,920	$1.92	8d	1	0.37mi
1701 14th St S Unit A St. Petersburg, FL	2.0	1.0	1100	$1,950	$1.77	25d	1	0.37mi
1400 21st St S Saint Petersburg, FL	4.0	2.0	1487	$2,970	$2.00	8d	1	0.37mi
2524 19th St S Saint Petersburg, FL	4.0	2.0	1230	$2,495	$2.03	25d	1	0.39mi
1320 18th Ave S Saint Petersburg, FL	2.0	1.0	750	$1,550	$2.07	18d	1	0.39mi
2245 17th Ave S Saint Petersburg, FL	4.0	2.0	1058	$2,400	$2.27	5d	1	0.39mi
2410 18th Ave S Saint Petersburg, FL	4.0	1.0	927	$1,895	$2.04	5d	1	0.42mi
1465 15th St S Saint Petersburg, FL	3.0	1.5	1405	$2,400	$1.71	5d	1	0.42mi
2231 15th Ave S Saint Petersburg, FL	2.0	1.0	768	$1,900	$2.47	5d	1	0.44mi
1930 Walton St S Saint Petersburg, FL	3.0	1.0	814	$2,000	$2.46	5d	1	0.45mi
1427 15th St S Saint Petersburg, FL	3.0	1.0	1030	$2,095	$2.03	5d	1	0.46mi
2621 18th St S Saint Petersburg, FL	3.0	1.0	1114	$2,200	$1.97	25d	1	0.46mi
1311 Prescott St S Saint Petersburg, FL	4.0	2.0	1048	$2,300	$2.19	5d	1	0.50mi
1529 12th St S Unit A St. Petersburg, FL	2.0	1.5	700	$1,550	$2.21	25d	1	0.53mi
1317 14th St S St Petersburg, FL	4.0	2.0	1236	$2,150	$1.74	25d	1	0.56mi
986 22nd Ave S #3 St. Petersburg, FL	2.0	2.0	850	$1,350	$1.59	14d	1	0.66mi
1827 Auburn St S Saint Petersburg, FL	3.0	1.0	1056	$1,855	$1.76	5d	1	0.66mi
1218 13th Ave S Saint Petersburg, FL	3.0	2.0	1356	$2,594	$1.91	5d	1	0.67mi
2547 14th Ave S Saint Petersburg, FL	2.0	1.0	726	$2,800	$3.86	5d	1	0.68mi
2551 26th Ave S Saint Petersburg, FL	4.0	2.0	1248	$2,395	$1.92	5d	1	0.70mi
966 22nd Ave S Unit 109 St. Petersburg, FL	2.0	2.0	900	$1,795	$1.99	8d	1	0.70mi
944 18th Ave S Unit A St. Petersburg, FL	3.0	1.0	1013	$2,100	$2.07	18d	1	0.70mi
1035 15th Ave S Saint Petersburg, FL	2.0	1.0	1412	$1,900	$1.35	5d	1	0.71mi
930 20th Ave S St. Petersburg, FL	3.0	1.0	1190	$1,995	$1.68	13d	1	0.71mi
2423 Auburn St S Saint Petersburg, FL	3.0	2.0	1057	$1,650	$1.56	25d	1	0.74mi
2425 Auburn St S Saint Petersburg, FL	3.0	2.0	1092	$2,195	$2.01	4d	1	0.74mi

Listing history 29 events

1. 2026-06-19
   price $186,999 Active 42 DOM
2. 2026-06-18
   days on market $194,999 Active 42 DOM
3. 2026-06-17
   days on market $194,999 Active 41 DOM
4. 2026-06-16
   days on market $194,999 Active 40 DOM
5. 2026-06-15
   days on market $194,999 Active 39 DOM
6. 2026-06-13
   days on market $194,999 Active 37 DOM
7. 2026-06-09
   days on market $194,999 Active 33 DOM
8. 2026-06-08
   days on market $194,999 Active 32 DOM
9. 2026-06-07
   days on market $194,999 Active 31 DOM
10. 2026-06-04
    pricedays on market $194,999 Active 28 DOM
11. 2026-06-03
    days on market $199,999 Active 27 DOM
12. 2026-06-01
    days on market $199,999 Active 25 DOM
13. 2026-05-31
    days on market $199,999 Active 24 DOM
14. 2026-05-21
    price $199,999
15. 2026-05-07
    listed $208,000 Active
16. 2024-12-16
    historical $1,965
17. 2024-11-21
    price $1,965
18. 2024-11-20
    price $1,980
19. 2024-11-18
    price $1,935
20. 2024-11-17
    price $1,980
21. 2024-11-16
    price $1,935
22. 2024-11-13
    listed $1,980
23. 2023-10-18
    historical $1,935
24. 2023-09-02
    listed $1,935
25. 2021-09-29
    soldstatus $128,000
26. 2021-09-29
    listed $128,000
27. 2010-12-16
    soldstatus $6,000 318-char remark

    Show marketing remark (318 chars)

    GREAT INVESTMENT HOME!!! SOME SWEAT EQUITY NEEDED, BUT IT WON'T BE WAISTED ON THIS SUPER HOME FOR A 1ST TIME BUYER OF AS RENTAL INCOME. THIS 3 BEDROOM 1 BATH HOME HAS OVER 1200 SQ FT WITH A NICE SIZED YARD. ONLY A SHORT WALK TO LAKE MAGGIORIE AND STEPS TO PUBLIC TRANSPORTATION. SEE THIS HOME TODAY, BUY IT TOMORROW!!

28. 2010-10-20
    listed $9,900 318-char remark

    Show marketing remark (318 chars)

    GREAT INVESTMENT HOME!!! SOME SWEAT EQUITY NEEDED, BUT IT WON'T BE WAISTED ON THIS SUPER HOME FOR A 1ST TIME BUYER OF AS RENTAL INCOME. THIS 3 BEDROOM 1 BATH HOME HAS OVER 1200 SQ FT WITH A NICE SIZED YARD. ONLY A SHORT WALK TO LAKE MAGGIORIE AND STEPS TO PUBLIC TRANSPORTATION. SEE THIS HOME TODAY, BUY IT TOMORROW!!

29. 2009-12-21
    listed $9,900

ⓘ 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: $2,324 · $194/mo
• Projected year-2 tax: $2,324 · $194/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 ≥106°F today · 27 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $26,049
• − Mortgage interest: −$10,475
• − Property taxes: −$2,324
• − Insurance: −$935
• − Repairs & maintenance: −$2,084
• − Management: −$2,084
• − Depreciation: −$5,440
• Taxable income: $2,707
• Est. tax owed @ 24.0%: −$650
• After-tax cash flow: $4,902/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: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — St. Petersburg

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Petersburg, FL
• County: Pinellas County · 939,478 people
• City population: 249,151
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 27,142
• Household income: $60,450
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1928.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (68%)
• Race & ethnicity: Black 68% White 23% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Lithuanian 1% Slovak 1% Estonian 1%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 92% English-only · French/Haitian/Cajun 3% Spanish 3% Other Indo-European 1%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -275.45%
• Current HPI: 412.7251
• Rent YoY: ▼ -0.77%
• 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

+1920.2% since first listed

16 events — show timeline

• 2026-05-21 Price Changed $199,999 Stellar MLS as Distributed by MLS Grid
• 2026-05-07 Listed $208,000 Stellar MLS as Distributed by MLS Grid
• 2024-12-16 Rental Removed $1,965 PROPERTYWARE
• 2024-11-21 Price Changed $1,965 PROPERTYWARE
• 2024-11-20 Price Changed $1,980 PROPERTYWARE
• 2024-11-18 Price Changed $1,935 PROPERTYWARE
• 2024-11-17 Price Changed $1,980 PROPERTYWARE
• 2024-11-16 Price Changed $1,935 PROPERTYWARE
• 2024-11-13 Listed for Rent $1,980 PROPERTYWARE
• 2023-10-18 Rental Removed $1,935 PROPERTYWARE
• 2023-09-02 Listed for Rent $1,935 PROPERTYWARE
• 2021-09-29 Listed $128,000 Stellar MLS as Distributed by MLS Grid
• 2021-09-29 Sold (MLS) $128,000 Stellar MLS as Distributed by MLS Grid
• 2010-12-16 Sold (MLS) $6,000 Stellar MLS as Distributed by MLS Grid
• 2010-10-20 Listed $9,900 Stellar MLS as Distributed by MLS Grid
• 2009-12-21 Listed $9,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+17.4%/yr

Latest (2025): $2,324 · +35.1% YoY. Source: county tax records.