93 Boca Ciega Point Blvd N #93 · St. Petersburg, FL
Flood risk 9/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 27 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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).
- ARV discount +15.0/15.0
- Cash flow +10.2/30.0
- 1% rule +5.4/10.0
- Schools +5.3/10.0
- Condition / age +4.0/5.0
- DSCR +2.5/10.0
- Livability +2.5/5.0
- Rent growth +2.1/5.0
- Appreciation +0.0/10.0
$237,000
93 Boca Ciega Point Blvd N #93 · St. Petersburg, FL 33708
2 bd · 2.0 ba · 1,400 sqft · SingleFamily
· 119 Days on market
55+ age-restricted
Built 1974
10,454 sqft lot
1-car garage
$169/sqft
· 28% below area
Est $330k · 28% under
$900/mo HOA · 35% of rent
↓ 34% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Virtually Staged. LOCATION, LOCATION, LOCATION, Time to start living like you are on vacation everyday! This spacious ONE STORY Villa that feels more like a single family home blends inside and outside living perfectly. It is situated at a higher elevation than others in the community and thankfully DID NOT HAVE WATER INTRUSION from the 2024 storms. Boca Ciega Point is the place to be for 55+! It is a friendly, gated waterfront, boating community located just ONE mile from Madeira Beach. This community offers FUN, relaxation, recreation and convenience to shopping, restaurants, beach, downtown, airports and more.
Key facts
- One story villa
- Two lanai's
- 0.24 acre lot
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath single-family listed at $237k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-934 ($-11k/yr) — negative.
- To cash-flow at today's rent, offer at most $102k (57.0% below list).
- Meets the 1% rule at list price ($3k rent vs $237k).
- Recommended offer: $102k (57.0% below list) — sets the bar for cash-flow.
- Cap rate 3.7% vs local median 2.7% 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 D — 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: Orange Grove Elementary School (math 82% / reading 72%, grade A, #170 of 2,144 statewide, top 9%, 435 students, 43% FRL); Osceola Middle School (math 48% / reading 45%, grade D+, #297 of 571 statewide, top 52%, 1,009 students, 52% FRL); Seminole High School (math 26% / reading 47%, grade F, #351 of 667 statewide, top 54%, 1,546 students, 39% FRL) — zoned schools at 45% FRL track the district average.
- Market conditions: Rents soft (-1.8%/yr); 674 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 41d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
- This rent runs 37% of the median local income ($82k/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 $2k of loan paydown is wiped out by about $7k 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 119 days — a 9% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts; this cycle's ask has dropped $23k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo; HOA is 35% of rent.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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
$101,844
(57.0% below list)
Questions for the listing agent
- 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?
- It's been on market 119 days. Have you received any prior offers? Is the seller open to a 57% concession, seller financing, or rate buy-down credit?
- Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 1.08% ✓
- Cap rate
- 3.72%
- Cash-on-cash
- -9.18%
- DSCR
- 0.59
- GRM
- 7.7
CMA / ARV
- ARV (median comp)
- $330,287
- List price
- $237,000
- Delta
- -25.22%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 143 N Boca Ciega Pt | 0.14mi | 2/2.0 | 1,400 (0%) | 1mo | $300,000 | $214 | 92 |
| 354 Boca Ciega Point Blvd | 0.18mi | 2/2.0 | 1,400 (0%) | 2mo | $350,000 | $250 | 90 |
| 5576 Williamsdale Ct | 0.23mi | 3/2.0 (+1) | 1,498 (+7%) | 2mo | $525,000 | $350 | 71 |
| 10905 61st Ave | 0.63mi | 3/2.0 (+1) | 1,385 (-1%) | 3mo | $395,000 | $285 | 61 |
| 11211 60th Ave | 0.46mi | 3/2.0 (+1) | 1,493 (+7%) | 3mo | $450,000 | $301 | 60 |
| 11124 60th Ave | 0.46mi | 3/2.0 (+1) | 1,301 (-7%) | 3mo | $565,000 | $434 | 59 |
| 511 Boca Ciega Point Blvd N | 0.31mi | 2/2.0 | 1,600 (+14%) | 3mo | $535,000 | $334 | 59 |
| 11012 52nd Ave N | 0.26mi | 3/1.0 (+1) | 1,212 (-13%) | 3mo | $455,000 | $375 | 54 |
| 10732 59th Ave | 0.51mi | 3/1.0 (+1) | 1,555 (+11%) | 0mo | $220,000 | $141 | 48 |
| 11422 62nd Ave | 0.56mi | 2/1.5 | 1,202 (-14%) | 2mo | $295,000 | $245 | 47 |
| 10907 57th Ave | 0.46mi | 3/2.0 (+1) | 1,606 (+15%) | 4mo | $589,000 | $367 | 46 |
| 5671 Orange Rd | 0.67mi | 3/2.0 (+1) | 1,239 (-12%) | 3mo | $300,000 | $242 | 42 |
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
- -57.6%
- Equity multiple
- -0.58×
- Total profit
- $-104,571
- Equity at exit
- $35,337
10-year hold
- IRR
- —
- Equity multiple
- -1.91×
- Total profit
- $-193,299
- Equity at exit
- $20,491
Cash invested: $66,360 (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.
Balanced market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 35 active · 30 under contract
- Months of supply
- 5.5 mo (18%/mo absorbed)
- Median asking
- $482,700 ($329/sqft)
- Median days on market
- 75 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- -28.3% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 33708
- Rents YoY
- -1.8%
- Active inventory
- 674
- Price-to-rent
- 7.7×
Monthly cashflow live
↻
- Estimated rent
- $2,570 high interval (Pro) →
- Mortgage (P&I)
- −$1,243
- Tax est. 1.5%
- −$296 /mo · $3,555/yr
- Insurance
- −$99
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$900
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$540
- Net cashflow
- $-934
Break-even live
Break-even rent
$3,752
Max offer price
$101,844
Occupancy floor
—
Sensitivity live
| Price | -10% $-770 | -5% $-852 | +0% $-934 | +5% $-1,016 | +10% $-1,098 |
|---|---|---|---|---|---|
| Rent | -10% $-1,137 | -5% $-1,036 | +0% $-934 | +5% $-833 | +10% $-731 |
| Rate | -1.0pp $-815 | -0.5pp $-874 | base $-934 | +0.5pp $-995 | +1.0pp $-1,058 |
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
- $59,250
- Closing costs
- $7,110
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 128 Boca Ciega Point Blvd N St Petersburg, FL | 2.0 | 2.0 | 1400 | $3,000 | $2.14 | 40d | 1 | 0.02mi |
| 1 Boca Ciega Point Blvd #115 Saint Petersburg, FL | 2.0 | 2.0 | 920 | $1,900 | $2.07 | 97d | 1 | 0.05mi |
| 282 Boca Ciega Point Blvd N Unit 282NORTH St. Petersburg, FL | 2.0 | 2.0 | 1400 | $3,500 | $2.50 | 40d | 1 | 0.12mi |
| 11158 Kapok Grand Cir Madeira Beach, FL | 2.0 | 2.5 | 1524 | $3,000 | $1.97 | 100d | 1 | 0.21mi |
| 11093 54th Ave N Saint Petersburg, FL | 2.0 | 2.0 | 1372 | $2,600 | $1.90 | 43d | 1 | 0.24mi |
| 11235 Kapok Grand Cir Madeira Beach, FL | 2.0 | 2.5 | 1524 | $2,700 | $1.77 | 7d | 1 | 0.27mi |
| 573 Boca Ciega Point Blvd N Saint Petersburg, FL | 2.0 | 2.0 | 1400 | $3,650 | $2.61 | 120d | 1 | 0.30mi |
| 4780 Cove Cir #101 St Petersburg, FL | 3.0 | 2.0 | 1070 | $2,100 | $1.96 | 7d | 1 | 0.30mi |
| 11602 Grove St Seminole, FL | 3.0 | 2.0 | 1742 | $3,500 | $2.01 | 6d | 1 | 0.32mi |
| 4700 Cove Cir St. Petersburg, FL | 2.0 | 2.0 | 1055 | $2,100 | $1.99 | 43d | 1 | 0.35mi |
| 4700 Cove Cir #102 St Petersburg, FL | 2.0 | 2.0 | 1055 | $2,050 | $1.94 | 4d | 1 | 0.35mi |
| 4650 Cove Cir #402 St Petersburg, FL | 2.0 | 2.0 | 970 | $3,500 | $3.61 | 7d | 1 | 0.40mi |
| 4650 Cove Cir #409 St Petersburg, FL | 2.0 | 2.0 | 970 | $2,000 | $2.06 | 7d | 1 | 0.40mi |
| 4650 Cove Cir #611 St Petersburg, FL | 2.0 | 2.0 | 970 | $2,500 | $2.58 | 40d | 1 | 0.40mi |
| 4650 Cove Cir St. Petersburg, FL | 2.0 | 2.0 | 970 | $1,200 | $1.24 | 43d | 1 | 0.41mi |
| 4725 Cove Cir #902 St Petersburg, FL | 2.0 | 2.0 | 1040 | $2,050 | $1.97 | 7d | 1 | 0.41mi |
| 10861 Clara Ln St Petersburg, FL | 3.0 | 2.0 | 1683 | $4,000 | $2.38 | 7d | 1 | 0.47mi |
| 11525 59th Ter Seminole, FL | 3.0 | 2.0 | 1740 | $2,676 | $1.54 | 109d | 1 | 0.48mi |
| 11211 60th Ave Seminole, FL | 3.0 | 2.0 | 1493 | $3,250 | $2.18 | 32d | 1 | 0.48mi |
| 4750 Cove Cir #302 Saint Petersburg, FL | 2.0 | 2.0 | 1040 | $2,500 | $2.40 | 120d | 1 | 0.48mi |
| 4575 Cove Cir #506 St Petersburg, FL | 2.0 | 2.0 | 1100 | $2,500 | $2.27 | 60d | 1 | 0.49mi |
| 4575 Cove Cir #309 St Petersburg, FL | 2.0 | 2.0 | 1040 | $2,150 | $2.07 | 7d | 1 | 0.49mi |
| 4575 Cove Cir #506 St Petersburg, FL | 2.0 | 2.0 | 1100 | $2,500 | $2.27 | 62d | 1 | 0.49mi |
| 4575 Cove Cir #703 St Petersburg, FL | 2.0 | 2.0 | 1040 | $2,200 | $2.12 | 40d | 1 | 0.49mi |
| 5954 Hillside St Seminole, FL | 3.0 | 2.0 | 1752 | $2,999 | $1.71 | 7d | 1 | 0.50mi |
| 4775 Cove Cir #508 Saint Petersburg, FL | 2.0 | 2.0 | 1050 | $2,000 | $1.90 | 119d | 1 | 0.54mi |
| 4775 Cove Cir #1202 St Petersburg, FL | 2.0 | 2.0 | 1050 | $3,500 | $3.33 | 7d | 1 | 0.54mi |
| 4775 Cove Cir #202 Saint Petersburg, FL | 2.0 | 2.0 | 1050 | $1,850 | $1.76 | 120d | 1 | 0.54mi |
| 4775 Cove Cir #106 St Petersburg, FL | 2.0 | 2.0 | 1050 | $1,985 | $1.89 | 40d | 1 | 0.54mi |
| 4775 Cove Cir #202 St Petersburg, FL | 2.0 | 2.0 | 1050 | $2,295 | $2.19 | 7d | 1 | 0.54mi |
| 4775 Cove Cir #606 St Petersburg, FL | 2.0 | 2.0 | 1050 | $2,200 | $2.10 | 7d | 1 | 0.54mi |
| 4775 Cove Cir #1102 Saint Petersburg, FL | 2.0 | 2.0 | 1050 | $1,700 | $1.62 | 103d | 1 | 0.54mi |
| 4525 Cove Cir #608 St Petersburg, FL | 2.0 | 2.0 | 1060 | $1,650 | $1.56 | 7d | 1 | 0.56mi |
| 4550 Cove Cir #808 St Petersburg, FL | 2.0 | 2.0 | 1115 | $2,200 | $1.97 | 40d | 1 | 0.57mi |
| 5434 Oakhurst Dr Seminole, FL | 3.0 | 2.0 | 1719 | $6,000 | $3.49 | 120d | 1 | 0.60mi |
| 11537 63rd Ave Seminole, FL | 2.0 | 2.0 | 1153 | $2,300 | $1.99 | 43d | 1 | 0.66mi |
| 11537 63rd Ave Seminole, FL | 2.0 | 2.0 | 1153 | $2,300 | $1.99 | 74d | 1 | 0.66mi |
| 10543 51st Ter N St Petersburg, FL | 3.0 | 1.0 | 1448 | $2,800 | $1.93 | 40d | 1 | 0.67mi |
| 10532 51st Ter N Saint Petersburg, FL | 2.0 | 1.0 | 1093 | $1,800 | $1.65 | 113d | 1 | 0.68mi |
| 6321 113th St Seminole, FL | 2.0 | 2.0 | 897 | $1,930 | $2.15 | 7d | 1 | 0.72mi |
Property features AI
Finance
- Other
- UnfurnishedAssociation approval required
- Financial info
- Total monthly fees $900Total annual fees $10,800Lease restrictions apply
- HOA & community
- HOA requiredMonthly HOA fee $900HOA covers guard (24-hour), cable TV, pool, escrow reserves, insurance, internet, structure maintenance, grounds maintenance, recreational facilities, sewer, trash and waterCommunity amenities: clubhouse, fitness center, pool, tennis courts, pickleball courts, shuffleboard, recreation facilitiesSenior communityPets allowed with restrictions (maximum ~25 lb, number limit)
Exterior
- Parking
- Attached garage1-car garageDrivewayGarage door opener
- Security
- Gated community24-hour guard included in HOA
- Utilities
- Public waterPublic sewerCable connectedWater connectedSewer connectedInternet available
- Home design
- Residential villaOne storyFaces west
- Construction
- Block constructionMembrane/other roofBlock foundationBuilt as part of a villa community
- Exterior features
- Front porchRear porchPatioPorchSidewalkSliding doorsExterior storageMature landscapingIntracoastal Waterway accessConcrete seawall
Interior
- Kitchen
- DishwasherDisposalMicrowaveRangeRefrigeratorEat-in kitchen
- Bedrooms
- 2 bedrooms
- Flooring
- LaminateTile
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heating (electric)Central air conditioning
- Interior features
- Ceiling fansCrown moldingEat-in kitchenLiving room/dining room comboOpen floorplanSolid surface countersSolid wood cabinetsSplit bedroom planWalk-in closet(s)
- Laundry & utility
- Washer and dryer includedLaundry in garage
HOA detail $900/mo · $10,800/yr
- Likely covers
- watersecurity
Listing history 50 events
-
2026-09-24days on market $237,000 Active 119 DOM
-
2026-09-23days on market $237,000 Active 118 DOM
-
2026-09-22days on market $237,000 Active 117 DOM
-
2026-09-21days on market $237,000 Active 116 DOM
-
2026-09-20pricedays on market $237,000 Active 115 DOM
-
2026-09-19days on market $247,000 Active 114 DOM
-
2026-09-18days on market $247,000 Active 113 DOM
-
2026-09-17days on market $247,000 Active 112 DOM
-
2026-09-16days on market $247,000 Active 111 DOM
-
2026-09-15days on market $247,000 Active 110 DOM
-
2026-09-14days on market $247,000 Active 109 DOM
-
2026-09-13days on market $247,000 Active 108 DOM
-
2026-09-12days on market $247,000 Active 107 DOM
-
2026-09-11days on market $247,000 Active 106 DOM
-
2026-09-05days on market $247,000 Active 100 DOM
-
2026-09-04days on market $247,000 Active 99 DOM
-
2026-09-03days on market $247,000 Active 98 DOM
-
2026-08-31days on market $247,000 Active 95 DOM
-
2026-08-30days on market $247,000 Active 94 DOM
-
2026-08-29days on market $247,000 Active 93 DOM
-
2026-08-28days on market $247,000 Active 92 DOM
-
2026-08-27days on market $247,000 Active 91 DOM
-
2026-08-25days on market $247,000 Active 89 DOM
-
2026-08-24days on market $247,000 Active 88 DOM
-
2026-08-23days on market $247,000 Active 87 DOM
-
2026-08-22days on market $247,000 Active 86 DOM
-
2026-08-21days on market $247,000 Active 85 DOM
-
2026-08-20days on market $247,000 Active 84 DOM
-
2026-08-19days on market $247,000 Active 83 DOM
-
2026-08-18days on market $247,000 Active 82 DOM
-
2026-08-17days on market $247,000 Active 81 DOM
-
2026-08-16days on market $247,000 Active 80 DOM
-
2026-08-15days on market $247,000 Active 79 DOM
-
2026-08-14days on market $247,000 Active 78 DOM
-
2026-08-13days on market $247,000 Active 77 DOM
-
2026-08-12days on market $247,000 Active 76 DOM
-
2026-08-11days on market $247,000 Active 75 DOM
-
2026-08-10days on market $247,000 Active 74 DOM
-
2026-08-09days on market $247,000 Active 73 DOM
-
2026-08-08days on market $247,000 Active 72 DOM
-
2026-08-06days on market $247,000 Active 70 DOM
-
2026-08-05days on market $247,000 Active 69 DOM
-
2026-08-04days on market $247,000 Active 68 DOM
-
2026-08-03days on market $247,000 Active 67 DOM
-
2026-07-31pricedays on market $247,000 Active 64 DOM
-
2026-07-30days on market $255,000 Active 62 DOM
-
2026-07-28days on market $255,000 Active 61 DOM
-
2026-07-26days on market $255,000 Active 59 DOM
-
2026-07-24days on market $255,000 Active 57 DOM
-
2026-07-23days on market $255,000 Active 56 DOM
ⓘ 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 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 27 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $30,841
- − Mortgage interest
- −$13,276
- − Property taxes
- −$3,555
- − Insurance
- −$6,304
- − Repairs & maintenance
- −$2,467
- − Management
- −$2,467
- − HOA
- −$10,800
- − Depreciation
- −$6,895
- Taxable loss
- −$14,922
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$3,581
- After-tax cash flow
- $-7,627/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.
Condition & rehab AI · 12 photos
80/100
Cosmetic rehab
Est. rehab $7,000–$21,000 screening
This well-maintained, spacious one-story villa in a gated waterfront community offers a great location and is ready for new owners.
Value-add opportunities
- Resale Paint exterior walls — Enhances curb appeal and can increase property value. ↑
- Rental Clean gutters — Keeps property in good condition and reduces maintenance costs for tenants. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
D
Composite school gradezoned avg 53/100
Zoned Schools
Elementary
Orange Grove Elementary School
A
FL #170/2,144
Nat'l #1,658/41,679
Middle
Osceola Middle School
D+
FL #297/571
Nat'l #4,335/14,009
High
Seminole High School
F
FL #351/667
Nat'l #9,347/17,239
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
- County
- Pinellas County · 1,027,532 people
- City population
- 249,151
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 15,060
- Household income
- $82,500
- Rent vs Own
- Severe rent burden
- 12% of renters
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 White (87%)
- Race & ethnicity
- White 87% Hispanic / Latino 5% Asian 4% Two or more races 4% Black 1%
- Common ancestry
- Romanian 4% Lithuanian 3% Italian 3%
- Foreign-born
- 10% · Canada, Vietnam, Jamaica
- Languages at home
- 89% English-only · Spanish 3% Vietnamese 2% Russian/Polish/Slavic 2%
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
- ▼ -663.41%
- Current HPI
- 317.0675
- Rent YoY
- ▼ -1.77%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-34.2% since first listed7 events — show timeline
- 2026-05-28 Listed $260,000 Stellar MLS as Distributed by MLS Grid
- 2026-01-19 Price Changed $280,000 Stellar MLS as Distributed by MLS Grid
- 2025-12-08 Price Changed $290,000 Stellar MLS as Distributed by MLS Grid
- 2025-11-14 Listed $310,000 Stellar MLS as Distributed by MLS Grid
- 2025-09-08 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2025-06-03 Price Changed $345,000 Stellar MLS as Distributed by MLS Grid
- 2025-05-06 Listed $395,000 Stellar MLS as Distributed by MLS Grid
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…