3100 Hartford St N #114 · St. Petersburg, FL 33713

$90,000

1 bd · 1.0 ba · 767 sqft · Condo public records · 1 Days on market

Built 1970 $400/mo HOA · 25% of rent

---

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 +26.0/30.0
• 1% rule +10.0/10.0
• DSCR +8.7/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Rent growth +2.7/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

One or more photos have been virtually staged to help buyers envision the full potential of the space. Unit is sold As-Is in current condition. Welcome to Tiffany Gardens — a well-maintained 55+ community in the heart of St. Petersburg! This 1-bedroom, 1-bath first-floor condo offers comfortable, low-maintenance living with an enclosed Florida room perfect for relaxing year-round, plus a convenient exterior storage closet. Fresh interior paint and a brand-new toilet make this unit move-in ready. The HOA fee covers water, sewer, trash, insurance, and exterior maintenance — truly carefree living. Community amenities include a clubhouse, on-site laundry facility, and a beautifully

Key facts

• Park-like setting
• Conveniently located
• Landscaped courtyard

Tags

• ENCLOSED FLORIDA ROOM
• EXTERIOR STORAGE CLOSET
• ON-SITE LAUNDRY FACILITY
• LANDSCAPED COURTYARD
• PARK-LIKE SETTING
• CONVENIENTLY LOCATED

Property features AI

Finance

• Other: Living area 770 square feet; Building name/number: TIFFANY GARDENS/3100; Directions: From 34th St N, head west on 30th Ave N, then turn north on Hartford St N. Tiffany Gardens will be on your right. Enter the property and follow the path to the side of the building. Unit 114 is a first-floor corner unit located on the side of the building.
• Financial info: Total monthly fees $400; total annual fees $4,800; Lease restrictions apply
• HOA & community: Monthly condo fee $400 (includes sewer, water, trash, insurance, management, maintenance of structure and grounds, escrow reserves); Association requires approval; Association amenities: Clubhouse, Laundry, Maintenance; Association: Qualified Property Management, Inc.; Senior community; Pets allowed (max 15 lbs)

Exterior

• Parking: Assigned parking; Guest parking; On-street parking
• Utilities: Public sewer; Cable available; Broadband/high-speed internet available; Electricity connected; Water connected
• Home design: Condominium; One-level layout; East-facing; First-floor unit in a 2-story building
• Construction: Block construction; Built-up roof; Slab foundation; Built in 197? (year not provided)
• Exterior features: Sidewalk; Exterior storage

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 1 bedroom (first floor corner unit)
• Flooring: Ceramic tile; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen
• Laundry & utility: No in-unit laundry (building laundry available per association)

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $90k.

Deal economics

• At list price, monthly cash flow is $223 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $90k).
• 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 C — 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.
• Market conditions: Rents flat; 307 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 10 sale attempts since 16y 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: HOA is 25% 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 $90,000

Questions for the listing agent

1. Built in 1970 — 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. 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 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: 1.78% ✓
• Cap rate: 9.27%
• Cash-on-cash: 10.64%
• DSCR: 1.47
• GRM: 4.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.67% rent growth · sell at horizon

5-year hold

• IRR: -4.1%
• Equity multiple: 0.85×
• Total profit: $-3,743
• Equity at exit: $13,419

10-year hold

• IRR: 1.2%
• Equity multiple: 1.07×
• Total profit: $1,830
• Equity at exit: $7,782

Cash invested: $25,200 (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 33713

• Rents YoY: 0.7%
• Active inventory: 307
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,603 high
• Mortgage (P&I): −$472
• Tax from tax record: −$134 /mo · $1,602/yr
• Insurance: −$38
• HOA: −$400
• Vacancy / Maint / Mgmt: −$337
• Net cashflow: $223

Break-even live

Break-even rent $1,320

Max offer price $90,000

Occupancy floor 81%

Sensitivity live

Price	-10% $274	-5% $249	+0% $223	+5% $198	+10% $172
Rent	-10% $97	-5% $160	+0% $223	+5% $287	+10% $350
Rate	-1.0pp $269	-0.5pp $246	base $223	+0.5pp $200	+1.0pp $176

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: $22,500
• Closing costs: $2,700
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3100 Hartford St N #121 Saint Petersburg, FL	1.0	1.0	755	$1,200	$1.59	24d	1	0.03mi
3480 32nd Ave N #105 Saint Petersburg, FL	2.0	1.0	805	$1,350	$1.68	18d	1	0.06mi
3160 36th St N #115 Saint Petersburg, FL	1.0	1.0	610	$1,300	$2.13	2d	1	0.07mi
3460 32nd Ave N #101 Saint Petersburg, FL	2.0	1.0	805	$1,700	$2.11	2d	1	0.07mi
3664 29th Ave N Saint Petersburg, FL	2.0	1.0	1105	$2,400	$2.17	14d	1	0.14mi
3316 31st Ave N St. Petersburg, FL	1.0–2.0	1.0	825	$1,199	$1.45	3d	3	0.20mi
3421 35th St N Saint Petersburg, FL	—	1.0	600	$1,095	$1.82	18d	1	0.23mi
3421 35th St N Unit A St. Petersburg, FL	—	1.0	600	$1,095	$1.82	24d	1	0.23mi
3200 33rd Ave N Saint Petersburg, FL	2.0	1.5	1111	$2,195	$1.98	24d	1	0.34mi
4083 30th Ave N Saint Petersburg, FL	2.0	1.0	924	$1,750	$1.89	18d	1	0.46mi
3201 36th Ave N Unit B St. Petersburg, FL	2.0	1.0	624	$1,500	$2.40	24d	1	0.46mi
2846 30th St N Saint Petersburg, FL	2.0	1.0	736	$1,995	$2.71	5d	1	0.47mi
3229 30th St N Saint Petersburg, FL	2.0	1.0	998	$2,260	$2.26	5d	1	0.50mi
2848 30th Ave N St. Petersburg, FL	2.0	1.0	736	$2,150	$2.92	24d	1	0.58mi
2844 30th Ave N Saint Petersburg, FL	2.0	1.0	906	$2,450	$2.70	24d	1	0.59mi
4082 38th Ave N Saint Petersburg, FL	2.0	1.0	775	$2,400	$3.10	5d	1	0.63mi
2743 34th Ave N Unit 1 St. Petersburg, FL	2.0	1.0	850	$2,100	$2.47	18d	1	0.70mi
3733 42nd Ave N Saint Petersburg, FL	2.0	1.0	608	$1,695	$2.79	24d	1	0.73mi
2523 28th St N Unit 2523 St. Petersburg, FL	1.0	1.0	600	$1,330	$2.22	24d	1	0.75mi
4218 24th Ave N Saint Petersburg, FL	2.0	1.0	1121	$1,925	$1.72	5d	1	0.75mi
2730 37th Ave N Unit B St. Petersburg, FL	1.0	1.0	560	$1,590	$2.84	24d	1	0.78mi
4163 31st St N unit Unit D Saint Petersburg, FL	1.0	1.0	600	$1,490	$2.48	14d	1	0.80mi
3910 44th St N Unit C9 Saint Petersburg, FL	2.0	1.0	965	$1,395	$1.45	14d	1	0.86mi
2552 27th Ave N Saint Petersburg, FL	2.0	1.0	598	$1,895	$3.17	5d	1	0.88mi
3038 25th St N Saint Petersburg, FL	2.0	1.0	1050	$1,999	$1.90	18d	1	0.92mi
2440 25th St N Apt 1 St. Petersburg, FL	1.0	1.0	591	$1,200	$2.03	15d	1	0.98mi
2440 25th St N St. Petersburg, FL	1.0	1.0	687	$1,200	$1.75	4d	1	0.98mi
2440 25th St N St. Petersburg, FL	1.0	1.0	591	$1,200	$2.03	11d	1	0.98mi
3036 Xenia St N Saint Petersburg, FL	2.0	1.0	900	$1,799	$2.00	24d	1	0.98mi
3947 Mohr Ave N Unit 1 St. Petersburg, FL	2.0	1.0	767	$1,450	$1.89	15d	1	1.04mi
2321 1/2 30th Ave N St. Petersburg, FL	2.0	1.0	680	$1,695	$2.49	24d	1	1.06mi
2310 30th Ave N Saint Petersburg, FL	2.0	1.0	824	$2,950	$3.58	5d	1	1.08mi
3560 49th Ave N St. Petersburg, FL	2.0	1.0	790	$1,425	$1.80	14d	1	1.10mi
3560 49th Ave N St. Petersburg, FL	2.0	1.0	790	$1,425	$1.80	12d	1	1.10mi
1200 37th St N #409 Saint Petersburg, FL	2.0	2.0	827	$1,695	$2.05	5d	1	1.10mi
3600 49th Ave N Saint Petersburg, FL	1.0–2.0	1.0	680	$1,150	$1.69	4d	8	1.12mi
3580 49th Ave N St. Petersburg, FL	2.0	1.0	790	$1,425	$1.80	4d	1	1.13mi
4719 21st Ave N Saint Petersburg, FL	2.0	1.0	672	$1,800	$2.68	24d	1	1.14mi
1310 28th St N Saint Petersburg, FL	2.0	1.0	542	$1,800	$3.32	24d	1	1.21mi
3801 9th Ave N Saint Petersburg, FL	1.0	1.0	602	$1,400	$2.33	18d	1	1.28mi

HOA detail condo

• Monthly dues: $400 · $4,800/yr
• Likely covers: watersewertrashexterior maint.
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 2 events

1. 2026-06-19
   remarks 687-char remark
2. 2026-06-19
   listed $90,000 Active 1 DOM

ⓘ 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: $1,602 · $134/mo
• Projected year-2 tax: $1,602 · $134/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 · 26 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: $19,237
• − Mortgage interest: −$5,041
• − Property taxes: −$1,602
• − Insurance: −$450
• − Repairs & maintenance: −$1,539
• − Management: −$1,539
• − HOA: −$4,800
• − Depreciation: −$2,618
• Taxable income: $1,647
• Est. tax owed @ 24.0%: −$395
• After-tax cash flow: $2,286/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): 31,729
• Household income: $74,707
• Rent vs Own: 31.3% rent · 68.7% own
• Severe rent burden: 1076.0

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 White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 13% Two or more races 9% Black 7% Asian 6%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2% Cuban 3%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 12% · Canada, Vietnam
• Languages at home: 84% English-only · Spanish 9% Other Asian/Pacific 2% Vietnamese 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: ▼ -439.69%
• Current HPI: 478.8317
• Rent YoY: ▲ 0.67%
• 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

+276.6% since first listed

30 events — show timeline

• 2026-06-18 Listed $90,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-21 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-09-05 Price Changed $90,000 Stellar MLS as Distributed by MLS Grid
• 2024-08-15 Price Changed $99,500 Stellar MLS as Distributed by MLS Grid
• 2024-06-22 Listed $115,000 Stellar MLS as Distributed by MLS Grid
• 2024-05-21 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-05-07 Listed $115,000 Stellar MLS as Distributed by MLS Grid
• 2022-06-11 Sold (Public Records) $95,000 Public Records
• 2022-06-09 Sold (MLS) $95,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-04-29 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-04-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-04-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-04-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-04-24 Price Changed $94,999 Stellar MLS as Distributed by MLS Grid
• 2022-04-19 Price Changed $97,999 Stellar MLS as Distributed by MLS Grid
• 2022-04-14 Listed $103,999 Stellar MLS as Distributed by MLS Grid
• 2020-04-08 Sold (Public Records) $55,000 Public Records
• 2020-04-07 Sold (MLS) $55,000 Stellar MLS as Distributed by MLS Grid
• 2020-02-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-02-12 Listed $54,950 Stellar MLS as Distributed by MLS Grid
• 2012-08-20 Sold (Public Records) $20,000 Public Records
• 2012-07-30 Sold (MLS) $20,000 Stellar MLS as Distributed by MLS Grid
• 2012-06-08 Listed $19,900 Stellar MLS as Distributed by MLS Grid
• 2011-10-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2011-04-27 Listed $39,900 Stellar MLS as Distributed by MLS Grid
• 2010-09-07 Listed $45,900 Stellar MLS as Distributed by MLS Grid
• 2004-05-28 Sold (Public Records) $40,400 Public Records
• 2002-05-21 Sold (Public Records) $27,900 Public Records
• 1996-11-07 Sold (Public Records) $23,900 Public Records

Property tax history

+9.4%/yr

Latest (2025): $1,602 · -10.0% YoY. Source: county tax records.