7107 Hernando Ct · Town 'n' Country, FL 33615

$175,000

3 bd · 2.0 ba · 1,296 sqft · Townhouse public records · 28 Days on market

Built 1972 1,005 sqft lot $252/mo HOA · 12% of rent

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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).

• Cash flow +18.8/30.0
• ARV discount +7.5/15.0
• 1% rule +7.2/10.0
• DSCR +5.9/10.0
• Schools +4.2/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully remodelled designed condo, 100%financing(w. a. c. )pergo floors, wooden kitchen cabinets, modern chrone appliances, private covered parking for 2 vehicles, screened in tiled liani, whirl pool tub. Stop by and look, you won't be dissappointed!!!!

Key facts

• Gorgeous pool
• Private patio area
• $252 HOA

Tags

• PRIVATE PATIO AREA
• GORGEOUS POOL
• ABUNDANT NATURAL LIGHT
• FUNCTIONAL FLOOR PLAN
• AMPLE CABINETRY AND WORKSPACE
• COMMUNITY GUEST PARKING

Property features AI

Finance

• Other: Unfurnished; No home warranty
• HOA & community: Has HOA; monthly fee $252 (includes pool, structure maintenance, grounds maintenance); Community pool; Sidewalks; Vehicle restrictions; Pets allowed: cats and dogs

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Electricity connected; Cable available
• Home design: Attached townhouse; Two stories; Faces west
• Construction: Stucco and frame construction; Shingle roof; Slab foundation; Built on a lot under 1/4 acre
• Exterior features: Enclosed rear porch; Sidewalk; Exterior storage; Fencing (other); Mature landscaping with trees

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Thermostat
• Laundry & utility: Washer hookup; Dryer hookup (electric); Laundry located inside in the kitchen area

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $175k.

Deal economics

• At list price, monthly cash flow is $175 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $172k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• 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 falling (-4.6%/yr); 331 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 37% of the median local income ($69k/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 $5k 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

• It's been on market 28 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y 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

• Climate carrying-cost: major flood risk; 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 $172,375 (1.5% below list)

Questions for the listing agent

1. Built in 1972 — 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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 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: 1.22% ✓
• Cap rate: 7.49%
• Cash-on-cash: 4.28%
• DSCR: 1.19
• GRM: 6.8

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: $-23,259
• Equity at exit: $26,093

10-year hold

• IRR: -12.0%
• Equity multiple: 0.40×
• Total profit: $-29,203
• Equity at exit: $15,131

Cash invested: $49,000 (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 33615

• Rents YoY: -4.6%
• Active inventory: 331
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $2,134 high
• Mortgage (P&I): −$918
• Tax from tax record: −$269 /mo · $3,224/yr
• Insurance: −$73
• HOA: −$252
• Vacancy / Maint / Mgmt: −$448
• Net cashflow: $175

Break-even live

Break-even rent $1,913

Max offer price $175,000

Occupancy floor 87%

Sensitivity live

Price	-10% $274	-5% $224	+0% $175	+5% $125	+10% $76
Rent	-10% $6	-5% $91	+0% $175	+5% $259	+10% $343
Rate	-1.0pp $263	-0.5pp $219	base $175	+0.5pp $129	+1.0pp $83

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7501 Dolonita Dr #7501 Tampa, FL	3.0	2.0	1432	$2,200	$1.54	25d	1	0.13mi
7502 Bolanos Ct Tampa, FL	3.0	2.5	1588	$1,850	$1.16	6d	1	0.14mi
7501 Gallineta Ct Tampa, FL	2.0	1.5	1268	$1,700	$1.34	25d	1	0.18mi
7633 Dolonita Dr #7633 Tampa, FL	3.0	2.0	1432	$2,890	$2.02	25d	1	0.20mi
7604 La Mesita Ct Tampa, FL	3.0	2.5	1588	$2,400	$1.51	25d	1	0.20mi
7309 Abonado Rd Unit 1 Tampa, FL	3.0	2.0	1570	$1,659	$1.06	21d	1	0.22mi
7667 Abonado Rd #7667 Tampa, FL	2.0	2.0	1138	$1,590	$1.40	25d	1	0.23mi
6710 Mornay Cir Tampa, FL	4.0	2.0	1490	$3,300	$2.21	25d	1	0.45mi
7323 Jackson Springs Rd Tampa, FL	3.0	1.5	1265	$1,750	$1.38	25d	1	0.57mi
8307 Royal Sand Cir Unit 1475277P Tampa, FL	2.0	2.0	1097	$2,978	$2.71	0d	1	0.66mi
7315 W Hanna Ave Tampa, FL	1.0–3.0	1.0–2.0	1006	$1,956	$1.94	0d	13	0.77mi
8319 Terracewood Cir Tampa, FL	3.0	2.0	1658	$1,750	$1.06	0d	1	0.78mi
7014 Edenbrook Ct Tampa, FL	4.0	2.5	1698	$3,250	$1.91	12d	1	0.81mi
6910 W Waters Ave Tampa, FL	1.0–2.0	1.0–2.0	800	$1,925	$2.41	6d	5	0.82mi
7904 Woodvine Cir Tampa, FL	3.0	1.0	1300	$2,500	$1.92	25d	1	1.02mi
7602 W Powhatan Ave Unit 1 Town 'N' Country, FL	2.0	1.0	900	$1,425	$1.58	6d	1	1.05mi
7602 W Powhatan Ave Unit POWHATAN7602-1 Town 'N' Country, FL	2.0	1.0	900	$1,425	$1.58	17d	1	1.05mi
8518 Woodlake Dr Tampa, FL	2.0	1.0	1560	$2,500	$1.60	21d	1	1.06mi
8518 Woodlake Dr Tampa, FL	2.0	1.0	1500	$2,500	$1.67	6d	1	1.06mi
7611 Paula Dr Unit PAULA7611-5 Tampa, FL	2.0	1.0	950	$1,375	$1.45	25d	1	1.07mi
8320 Woodlake Pl Tampa, FL	3.0	2.0	1759	$3,650	$2.08	25d	1	1.17mi
6406 Axelrod Rd Tampa, FL	3.0	2.0	1403	$2,199	$1.57	11d	1	1.17mi
8112 Silent Creek Dr Tampa, FL	2.0	2.5	1372	$1,900	$1.38	25d	1	1.18mi
8101 Sheldon Shores Dr Tampa, FL	2.0	2.0	926	$1,650	$1.78	0d	1	1.20mi
8109 Sheldon Shores Dr Tampa, FL	2.0	3.0	1400	$1,700	$1.21	25d	1	1.20mi
6405 Regatta Ct Tampa, FL	3.0	2.0	1269	$1,995	$1.57	4d	1	1.21mi
8509 Olympic Ct Tampa, FL	3.0	1.0	1119	$1,736	$1.55	18d	1	1.27mi
8928 Southbay Dr Tampa, FL	3.0	2.0	1860	$2,450	$1.32	21d	1	1.27mi
8928 Southbay Dr Tampa, FL	3.0	2.0	1806	$2,450	$1.36	25d	1	1.27mi
7605 Pinery Way Tampa, FL	1.0–2.0	1.0–2.0	910	$1,560	$1.71	0d	26	1.28mi
7508 Stillridge Dr Unit G Tampa, FL	2.0	2.0	973	$1,495	$1.54	22d	1	1.29mi
5741 Desert Rose Pl Tampa, FL	3.0	2.5	1731	$2,800	$1.62	25d	1	1.32mi
8201 Donaldson Dr Tampa, FL	3.0	2.0	1330	$2,650	$1.99	0d	1	1.33mi
5307 Reflections Club Dr Tampa, FL	1.0–3.0	1.0–2.0	816	$2,411	$2.95	0d	55	1.38mi
6158 Beacon Isles Dr Tampa, FL	2.0	1.0–2.0	676	$1,669	$2.47	0d	29	1.38mi
8870 W Waters Ave Tampa, FL	1.0–2.0	1.0–2.0	1093	$1,850	$1.69	0d	9	1.38mi
6820 W Hillsborough Ave Tampa, FL	1.0–3.0	1.0–2.0	986	$2,374	$2.41	0d	27	1.42mi
6014 Southern Comfort Blvd Tampa, FL	4.0	3.0	1853	$2,295	$1.24	0d	1	1.44mi
6014 Southern Comfort Blvd Tampa, FL	4.0	3.0	1853	$2,295	$1.24	15d	1	1.44mi
8102 Sheldon Rd Tampa, FL	1.0–2.0	1.0–2.0	737	$1,910	$2.59	0d	24	1.44mi

HOA detail

• Monthly dues: $252 · $3,024/yr
• Likely covers: pool

Listing history 24 events

1. 2026-06-13
   days on market $175,000 Active 28 DOM
2. 2026-06-13
   days on market $175,000 Active 27 DOM
3. 2026-06-09
   days on market $175,000 Active 24 DOM
4. 2026-06-08
   days on market $175,000 Active 23 DOM
5. 2026-06-07
   days on market $175,000 Active 22 DOM
6. 2026-06-04
   days on market $175,000 Active 19 DOM
7. 2026-06-03
   days on market $175,000 Active 18 DOM
8. 2026-06-02
   days on market $175,000 Active 17 DOM
9. 2026-06-01
   days on market $175,000 Active 16 DOM
10. 2026-05-31
    days on market $175,000 Active 15 DOM
11. 2026-05-16
    listed $175,000 Active
12. 2026-05-12
    historical
13. 2026-04-24
    price $225,000
14. 2026-01-22
    price $229,000
15. 2025-11-04
    status Active
16. 2025-11-04
    status Pending
17. 2025-07-17
    price $235,000
18. 2025-06-27
    listed $239,900 Active
19. 2007-06-04
    soldstatus $153,000
20. 2007-05-25
    soldstatus $153,000 258-char remark

    Show marketing remark (258 chars)

    Beautifully remodelled designed condo, 100%financing(w. a. c. )pergo floors, wooden kitchen cabinets, modern chrone appliances, private covered parking for 2 vehicles, screened in tiled liani, whirl pool tub. Stop by and look, you won't be dissappointed!!!!

21. 2007-04-05
    listed $157,000 258-char remark

    Show marketing remark (258 chars)

    Beautifully remodelled designed condo, 100%financing(w. a. c. )pergo floors, wooden kitchen cabinets, modern chrone appliances, private covered parking for 2 vehicles, screened in tiled liani, whirl pool tub. Stop by and look, you won't be dissappointed!!!!

22. 2002-11-02
    soldstatus $86,000
23. 2001-03-09
    soldstatus $73,000
24. 1997-09-18
    soldstatus $49,900

ⓘ 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: $3,224 · $269/mo
• Projected year-2 tax: $3,224 · $269/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 6/10 Major FEMA zone X (unshaded) · 56% 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 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,613
• − Mortgage interest: −$9,803
• − Property taxes: −$3,224
• − Insurance: −$875
• − Repairs & maintenance: −$2,049
• − Management: −$2,049
• − HOA: −$3,024
• − Depreciation: −$5,091
• Taxable loss: −$502
• Est. tax savings @ 24.0%: +$121
• After-tax cash flow: $2,219/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 — Town 'n' Country

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

Census & demographics

• Census place: Town 'n' Country, FL
• County: Hillsborough County · 1,540,968 people
• City population: 88,241
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 47,245
• Household income: $69,274
• Rent vs Own: 42.5% rent · 57.5% own
• Severe rent burden: 1847.0

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: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: Hispanic / Latino 56% Two or more races 33% White 29% Black 7% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 26% Dominican 3%
• Common ancestry: Romanian 3% Estonian 1% Lithuanian 1%
• Foreign-born: 36% · Canada, Jamaica, Vietnam
• Languages at home: 44% English-only · Spanish 49% Other Indo-European 2% Russian/Polish/Slavic 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: ▼ -376.91%
• Current HPI: 401.8072
• Rent YoY: ▼ -4.62%
• 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

+250.7% since first listed

14 events — show timeline

• 2026-05-16 Listed $175,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-04-24 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-22 Price Changed $229,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-04 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-07-17 Price Changed $235,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-27 Listed $239,900 Stellar MLS as Distributed by MLS Grid
• 2007-06-04 Sold (Public Records) $153,000 Public Records
• 2007-05-25 Sold (MLS) $153,000 Stellar MLS as Distributed by MLS Grid
• 2007-04-05 Listed $157,000 Stellar MLS as Distributed by MLS Grid
• 2002-11-02 Sold (Public Records) $86,000 Public Records
• 2001-03-09 Sold (Public Records) $73,000 Public Records
• 1997-09-18 Sold (Public Records) $49,900 Public Records

Property tax history

+9.6%/yr

Latest (2025): $3,224 · +9.0% YoY. Source: county tax records.