285 Boca Ciega Point Blvd N #3009 · 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 +9.5/30.0
- 1% rule +5.6/10.0
- 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
$239,000
285 Boca Ciega Point Blvd N #3009 · St. Petersburg, FL 33708
2 bd · 2.0 ba · 1,400 sqft · Condo
· 223 Days on market
55+ age-restricted
Built 1973
1-car garage
$171/sqft
· 35% below area
Est $368k · 35% under
$1124/mo HOA · 42% of rent
↓ 21% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
* * BEAUTIFULLY RENOVATED * * BEST VALUE * * PRICED TO SELL * * Welcome to easy living in this beautifully remodeled 2-bedroom, 2-bath condo nestled in a vibrant 55+ community. Designed for comfort and convenience, this spacious home features an open-concept living and dining area, a bright kitchen with ample cabinetry, and courtyard perfect for morning coffee or evening relaxation. The primary suite offers a generous walk-in closet and an en-suite bath for added privacy, complete with hurricane rated sliding doors to the spacious enclosed rear patio. The second bedroom and full bath provide an ideal space for guests or a home office.
Key facts
- Bright kitchen
- Walk-in closet
- En-suite bath
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 condo listed at $239k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-1k ($-13k/yr) — negative.
- To cash-flow at today's rent, offer at most $79k (66.8% below list).
- Meets the 1% rule at list price ($3k rent vs $239k).
- Recommended offer: $79k (66.8% below list) — sets the bar for cash-flow.
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 40d 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 39% 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 223 days — a 12% lower offer ($210k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo; HOA is 42% 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
$79,263
(66.8% 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 223 days. Have you received any prior offers? Is the seller open to a 67% concession, seller financing, or rate buy-down credit?
- Built in 1973 — 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?
- 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?
- 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 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
- 1.11% ✓
- Cap rate
- 2.89%
- Cash-on-cash
- -12.15%
- DSCR
- 0.46
- GRM
- 7.5
CMA / ARV
- ARV (median comp)
- $367,906
- List price
- $239,000
- Delta
- -35.04%
- 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 |
|---|---|---|---|---|---|---|---|
| 16101 4th St E | 0.83mi | 3/2.0 (+1) | 1,439 (+3%) | 0mo | $700,000 | $486 | 55 |
| 12080 68th Ter | 0.92mi | 2/2.0 | 1,301 (-7%) | 0mo | $405,000 | $311 | 53 |
| 11490 59th Ter | 0.35mi | 3/2.0 (+1) | 1,632 (+17%) | 1mo | $425,000 | $260 | 53 |
| 15305 Harbor Dr | 1.12mi | 2/1.0 | 1,496 (+7%) | 0mo | $610,000 | $408 | 49 |
| 11407 61st Ave | 0.48mi | 2/1.0 | 1,120 (-20%) | 0mo | $355,000 | $317 | 48 |
| 9735 50th Ave N | 1.50mi | 2/2.0 | 1,252 (-11%) | 1mo | $328,000 | $262 | 47 |
| 10732 59th Ave | 0.56mi | 3/1.0 (+1) | 1,555 (+11%) | 0mo | $220,000 | $141 | 46 |
| 11298 73rd Ave N | 1.19mi | 3/2.0 (+1) | 1,530 (+9%) | 0mo | $515,000 | $337 | 44 |
| 15316 Gulf Blvd #903 | 1.29mi | 3/2.0 (+1) | 1,265 (-10%) | 0mo | $950,000 | $751 | 44 |
| 15000 Gulf Blvd #602 | 1.40mi | 2/2.0 | 1,225 (-12%) | 0mo | $900,000 | $735 | 44 |
| 6348 115th Ln | 0.59mi | 2/1.0 | 1,168 (-17%) | 0mo | $390,000 | $334 | 44 |
| 4550 Cove Cir #302 | 0.67mi | 2/2.0 | 1,100 (-21%) | 0mo | $230,000 | $209 | 43 |
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
- -66.4%
- Equity multiple
- -0.73×
- Total profit
- $-115,828
- Equity at exit
- $35,636
10-year hold
- IRR
- —
- Equity multiple
- -2.25×
- Total profit
- $-217,442
- Equity at exit
- $20,664
Cash invested: $66,920 (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.
Active competition Active MLS
- For sale now
- 2 active · 2 under contract
- Median asking
- $242,500 ($228/sqft)
- Median days on market
- 84 d
- This list price
- 50% of active listings are priced below it
- ARV vs active asking
- +15.4% above 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
- 7.5×
Monthly cashflow live
↻
- Estimated rent
- $2,656 high interval (Pro) →
- Mortgage (P&I)
- −$1,253
- Tax est. 1.5%
- −$299 /mo · $3,585/yr
- Insurance
- −$100
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$1,124
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$558
- Net cashflow
- $-1,104
Break-even live
Break-even rent
$4,053
Max offer price
$79,263
Occupancy floor
—
Sensitivity live
| Price | -10% $-939 | -5% $-1,021 | +0% $-1,104 | +5% $-1,186 | +10% $-1,269 |
|---|---|---|---|---|---|
| Rent | -10% $-1,314 | -5% $-1,209 | +0% $-1,104 | +5% $-999 | +10% $-894 |
| Rate | -1.0pp $-984 | -0.5pp $-1,043 | base $-1,104 | +0.5pp $-1,166 | +1.0pp $-1,229 |
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
- $59,750
- Closing costs
- $7,170
- 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 |
|---|---|---|---|---|---|---|---|---|
| 282 Boca Ciega Point Blvd N Unit 282NORTH St. Petersburg, FL | 2.0 | 2.0 | 1400 | $3,500 | $2.50 | 40d | 1 | 0.03mi |
| 128 Boca Ciega Point Blvd N St Petersburg, FL | 2.0 | 2.0 | 1400 | $3,000 | $2.14 | 40d | 1 | 0.12mi |
| 1 Boca Ciega Point Blvd #115 Saint Petersburg, FL | 2.0 | 2.0 | 920 | $1,900 | $2.07 | 97d | 1 | 0.12mi |
| 11602 Grove St Seminole, FL | 3.0 | 2.0 | 1742 | $3,500 | $2.01 | 6d | 1 | 0.18mi |
| 573 Boca Ciega Point Blvd N Saint Petersburg, FL | 2.0 | 2.0 | 1400 | $3,650 | $2.61 | 120d | 1 | 0.19mi |
| 11093 54th Ave N Saint Petersburg, FL | 2.0 | 2.0 | 1372 | $2,600 | $1.90 | 43d | 1 | 0.33mi |
| 11158 Kapok Grand Cir Madeira Beach, FL | 2.0 | 2.5 | 1524 | $3,000 | $1.97 | 99d | 1 | 0.35mi |
| 11525 59th Ter Seminole, FL | 3.0 | 2.0 | 1740 | $2,676 | $1.54 | 109d | 1 | 0.39mi |
| 5954 Hillside St Seminole, FL | 3.0 | 2.0 | 1752 | $2,999 | $1.71 | 7d | 1 | 0.39mi |
| 4780 Cove Cir #101 St Petersburg, FL | 3.0 | 2.0 | 1070 | $2,100 | $1.96 | 7d | 1 | 0.39mi |
| 11235 Kapok Grand Cir Madeira Beach, FL | 2.0 | 2.5 | 1524 | $2,700 | $1.77 | 7d | 1 | 0.40mi |
| 4700 Cove Cir St. Petersburg, FL | 2.0 | 2.0 | 1055 | $2,100 | $1.99 | 43d | 1 | 0.44mi |
| 4700 Cove Cir #102 St Petersburg, FL | 2.0 | 2.0 | 1055 | $2,050 | $1.94 | 3d | 1 | 0.44mi |
| 11211 60th Ave Seminole, FL | 3.0 | 2.0 | 1493 | $3,250 | $2.18 | 32d | 1 | 0.46mi |
| 5434 Oakhurst Dr Seminole, FL | 3.0 | 2.0 | 1719 | $6,000 | $3.49 | 120d | 1 | 0.47mi |
| 4725 Cove Cir #902 St Petersburg, FL | 2.0 | 2.0 | 1040 | $2,050 | $1.97 | 7d | 1 | 0.48mi |
| 4650 Cove Cir #611 St Petersburg, FL | 2.0 | 2.0 | 970 | $2,500 | $2.58 | 40d | 1 | 0.49mi |
| 4650 Cove Cir #409 St Petersburg, FL | 2.0 | 2.0 | 970 | $2,000 | $2.06 | 7d | 1 | 0.49mi |
| 4650 Cove Cir #402 St Petersburg, FL | 2.0 | 2.0 | 970 | $3,500 | $3.61 | 7d | 1 | 0.49mi |
| 4650 Cove Cir St. Petersburg, FL | 2.0 | 2.0 | 970 | $1,200 | $1.24 | 43d | 1 | 0.51mi |
| 4750 Cove Cir #302 Saint Petersburg, FL | 2.0 | 2.0 | 1040 | $2,500 | $2.40 | 120d | 1 | 0.54mi |
| 11537 63rd Ave Seminole, FL | 2.0 | 2.0 | 1153 | $2,300 | $1.99 | 43d | 1 | 0.58mi |
| 11537 63rd Ave Seminole, FL | 2.0 | 2.0 | 1153 | $2,300 | $1.99 | 74d | 1 | 0.58mi |
| 4575 Cove Cir #506 St Petersburg, FL | 2.0 | 2.0 | 1100 | $2,500 | $2.27 | 62d | 1 | 0.59mi |
| 4575 Cove Cir #309 St Petersburg, FL | 2.0 | 2.0 | 1040 | $2,150 | $2.07 | 7d | 1 | 0.59mi |
| 4575 Cove Cir #703 St Petersburg, FL | 2.0 | 2.0 | 1040 | $2,200 | $2.12 | 40d | 1 | 0.59mi |
| 4575 Cove Cir #506 St Petersburg, FL | 2.0 | 2.0 | 1100 | $2,500 | $2.27 | 59d | 1 | 0.59mi |
| 10861 Clara Ln St Petersburg, FL | 3.0 | 2.0 | 1683 | $4,000 | $2.38 | 7d | 1 | 0.61mi |
| 4775 Cove Cir #106 St Petersburg, FL | 2.0 | 2.0 | 1050 | $1,985 | $1.89 | 40d | 1 | 0.62mi |
| 4775 Cove Cir #1202 St Petersburg, FL | 2.0 | 2.0 | 1050 | $3,500 | $3.33 | 7d | 1 | 0.62mi |
| 4775 Cove Cir #202 Saint Petersburg, FL | 2.0 | 2.0 | 1050 | $1,850 | $1.76 | 120d | 1 | 0.62mi |
| 4775 Cove Cir #606 St Petersburg, FL | 2.0 | 2.0 | 1050 | $2,200 | $2.10 | 7d | 1 | 0.62mi |
| 4775 Cove Cir #508 Saint Petersburg, FL | 2.0 | 2.0 | 1050 | $2,000 | $1.90 | 119d | 1 | 0.62mi |
| 4775 Cove Cir #202 St Petersburg, FL | 2.0 | 2.0 | 1050 | $2,295 | $2.19 | 7d | 1 | 0.62mi |
| 4775 Cove Cir #1102 Saint Petersburg, FL | 2.0 | 2.0 | 1050 | $1,700 | $1.62 | 103d | 1 | 0.62mi |
| 4525 Cove Cir #608 St Petersburg, FL | 2.0 | 2.0 | 1060 | $1,650 | $1.56 | 7d | 1 | 0.66mi |
| 4550 Cove Cir #808 St Petersburg, FL | 2.0 | 2.0 | 1115 | $2,200 | $1.97 | 40d | 1 | 0.68mi |
| 6321 113th St Seminole, FL | 2.0 | 2.0 | 897 | $1,930 | $2.15 | 7d | 1 | 0.69mi |
| 10760 62nd Ave Seminole, FL | 3.0 | 2.0 | 1540 | $2,545 | $1.65 | 32d | 1 | 0.78mi |
| 10760 62nd Ave Seminole, FL | 3.0 | 2.0 | 1540 | $2,850 | $1.85 | 120d | 1 | 0.78mi |
Property features AI
Finance
- Other
- Unfurnished
- Financial info
- Total annual fees $13,488Lease restrictions apply
- HOA & community
- Has HOA (Federation of Boca Ciega Point)Monthly condo fee of $1,124 (includes pool, structure maintenance, grounds maintenance, recreational facilities, sewer, trash, water)Association amenities: clubhouse, fitness center, pool, recreation facilities, tennis courtsBuyer/association approval requiredSenior communityPets allowed with size limit
Exterior
- Parking
- DrivewayAttached 1-car garage
- Utilities
- Public waterPublic sewerPublic utilities
- Home design
- CondominiumSingle-storyFirst floorSouth-facing
- Construction
- Block and stucco constructionOther roofSlab foundationBuilt as part of a larger building (unit #3000)
- Exterior features
- Front porchSliding doorsLevel, paved lotLandscaped with trees
Interior
- Kitchen
- DishwasherMicrowaveRangeRefrigeratorElectric water heater
- Bedrooms
- 2 bedrooms
- Flooring
- Vinyl
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heating (electric)Central air conditioning
- Interior features
- Ceiling fansLiving room/dining room comboStone countersThermostatWalk-in closet(s)Florida room
- Laundry & utility
- Laundry in garage
HOA detail $1,124/mo · $13,488/yr condo
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-09-23days on market $239,000 Active 223 DOM
-
2026-09-22days on market $239,000 Active 222 DOM
-
2026-09-21days on market $239,000 Active 221 DOM
-
2026-09-20days on market $239,000 Active 220 DOM
-
2026-09-19days on market $239,000 Active 219 DOM
-
2026-09-18days on market $239,000 Active 218 DOM
-
2026-09-17days on market $239,000 Active 217 DOM
-
2026-09-16days on market $239,000 Active 216 DOM
-
2026-09-15days on market $239,000 Active 215 DOM
-
2026-09-14pricedays on market $239,000 Active 214 DOM
-
2026-09-13days on market $249,000 Active 213 DOM
-
2026-09-12days on market $249,000 Active 212 DOM
-
2026-09-12days on market $249,000 Active 211 DOM
-
2026-09-05days on market $249,000 Active 205 DOM
-
2026-09-04days on market $249,000 Active 204 DOM
-
2026-09-03days on market $249,000 Active 203 DOM
-
2026-08-31days on market $249,000 Active 200 DOM
-
2026-08-30days on market $249,000 Active 199 DOM
-
2026-08-29days on market $249,000 Active 198 DOM
-
2026-08-28days on market $249,000 Active 197 DOM
-
2026-08-27days on market $249,000 Active 196 DOM
-
2026-08-25days on market $249,000 Active 194 DOM
-
2026-08-24days on market $249,000 Active 193 DOM
-
2026-08-23days on market $249,000 Active 192 DOM
-
2026-08-22days on market $249,000 Active 191 DOM
-
2026-08-21days on market $249,000 Active 190 DOM
-
2026-08-20days on market $249,000 Active 189 DOM
-
2026-08-19days on market $249,000 Active 188 DOM
-
2026-08-18days on market $249,000 Active 187 DOM
-
2026-08-17days on market $249,000 Active 186 DOM
-
2026-08-16days on market $249,000 Active 185 DOM
-
2026-08-15days on market $249,000 Active 184 DOM
-
2026-08-14days on market $249,000 Active 183 DOM
-
2026-08-13days on market $249,000 Active 182 DOM
-
2026-08-12days on market $249,000 Active 181 DOM
-
2026-08-11days on market $249,000 Active 180 DOM
-
2026-08-10days on market $249,000 Active 179 DOM
-
2026-08-09days on market $249,000 Active 178 DOM
-
2026-08-08days on market $249,000 Active 177 DOM
-
2026-08-06days on market $249,000 Active 175 DOM
-
2026-08-05days on market $249,000 Active 174 DOM
-
2026-08-03days on market $249,000 Active 172 DOM
-
2026-07-31days on market $249,000 Active 169 DOM
-
2026-07-30days on market $249,000 Active 167 DOM
-
2026-07-28days on market $249,000 Active 166 DOM
-
2026-07-26days on market $249,000 Active 164 DOM
-
2026-07-24price $249,000 Active 162 DOM
-
2026-07-24days on market $259,000 Active 162 DOM
-
2026-07-23days on market $259,000 Active 161 DOM
-
2026-07-22days on market $259,000 Active 160 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
- $31,873
- − Mortgage interest
- −$13,388
- − Property taxes
- −$3,585
- − Insurance
- −$6,314
- − Repairs & maintenance
- −$2,550
- − Management
- −$2,550
- − HOA
- −$13,488
- − Depreciation
- −$6,953
- Taxable loss
- −$16,954
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$4,069
- After-tax cash flow
- $-9,178/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 · 13 photos
80/100
Cosmetic rehab
Est. rehab $7,000–$21,000 screening
This beautifully renovated townhouse is move-in ready with modern finishes and a low-maintenance lifestyle.
Value-add opportunities
- Both landscaping — enhances curb appeal and adds value ↑
- Both paint exterior — improves curb appeal and adds value ↑
ⓘ 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 |
|
||
| Insurance | 2 | $17B |
|
||
| Retail | 1 | $60B |
|
||
| Technology Distribution | 1 | $58B |
|
||
| Homebuilding | 1 | $35B |
|
||
| Technology Manufacturing | 1 | $35B |
|
||
Price history
-21.4% since first listed5 events — show timeline
- 2026-05-14 Price Changed $289,900 Stellar MLS as Distributed by MLS Grid
- 2026-05-01 Price Changed $299,900 Stellar MLS as Distributed by MLS Grid
- 2026-04-14 Price Changed $319,000 Stellar MLS as Distributed by MLS Grid
- 2026-03-30 Price Changed $349,000 Stellar MLS as Distributed by MLS Grid
- 2026-02-12 Listed $369,000 Stellar MLS as Distributed by MLS Grid
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…