6077 Bahia Del Mar Blvd #119 · St. Petersburg, FL 33715

$319,900

2 bd · 2.0 ba · 1,075 sqft · Condo public records · 121 Days on market

Built 1988 $783/mo HOA · 22% 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 +8.1/30.0
• ARV discount +7.5/15.0
• 1% rule +6.1/10.0
• Appreciation +4.9/10.0
• Schools +4.3/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.1/10.0

Listing remarks MLS

Attractive 1st floor condo overlooking a sparkling pond and the Isla Del Sol golf course! Nicely furnished with tile floors, a large kitchen with lots of windows and a spacious master suite with double doors and a large walk-in closet! Themaster bath has double sinks and a large soaking tub / shower! The guest bedroom features a walk-in closet and private access to the guest bathroom! Ready to move into! Isla Del Sol offers lots of amenities including a championship 18 holegolf course and a brand new country club! Just minutes from I-275, the Gulf beaches and Fort DeSoto Park (named #1 beach in the U. S. )!! Short sale subject to 3rd party approval.

Key facts

• Water views
• Custom wood cabinets
• Remodeled kitchen

Tags

• ISLA DEL SOL CONDO
• 7TH HOLE GOLF COURSE
• WATER VIEWS
• REMODELED KITCHEN
• CUSTOM WOOD CABINETS
• GRANITE COUNTERS

Property features AI

Finance

• Other: Furnished: Turnkey; Condo land included
• Financial info: Total annual association fees listed as $9,396; Lease restrictions apply
• HOA & community: Monthly HOA fee of $783 (includes cable TV, pool, escrow reserves fund, insurance, internet, structure and grounds maintenance, security, sewer, trash, water); Association name: Resource; Association approval required; Community pool and recreation facilities; Irrigation with reclaimed water; Buyer approval required; Pets allowed (max ~20 lbs)

Exterior

• Parking: Assigned parking; Guest parking
• Security: Community security
• Utilities: Public water; Public sewer; Electricity available and connected; Cable available and connected; High-speed internet/BB available; Sprinkler recycled; Underground utilities; Water connected; Sewer connected
• Home design: Condominium (residential); One-level living; Faces south
• Construction: Stucco and frame construction; Tile roof; Slab foundation; Building/complex identified as 6077-3A
• Exterior features: Covered rear porch; Sliding doors; Storage; Pond frontage and water view; Trees/landscaped; Near marina, near public transit, on golf course, paved; Flood zone; City limits

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Solid surface and stone counters; Eat-in kitchen
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heat (electric); Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Living room/dining room combo; Solid surface counters; Stone counters; Walk-in closet(s); Inside utility
• Laundry & utility: Washer and dryer included; Laundry closet (in kitchen)

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $320k.

Deal economics

• At list price, monthly cash flow is $-383 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $252k (21.2% below list).
• Meets the 1% rule at list price ($4k rent vs $320k).
• Recommended offer: $252k (21.2% below list) — sets the bar for cash-flow.
• Cap rate 5.1% 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 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.
• Market conditions: 285 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 42% of the median local income ($103k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $2k of equity ($2k loan paydown + $-496 appreciation (-0.1% local appreciation)).
• 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 121 days — a 12% lower offer ($282k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 22y ago; this cycle's ask has dropped $30k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $155k; list at $320k implies a 106% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; HOA is 22% of rent.
• Climate carrying-cost: major flood risk; 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 $252,206 (21.2% below list)

Questions for the listing agent

1. 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?
2. It's been on market 121 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. 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?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. 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?
9. 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.
10. 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.
11. 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: 5.10%
• Cash-on-cash: -4.24%
• DSCR: 0.81
• GRM: 7.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-0.15% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -8.6%
• Equity multiple: 0.60×
• Total profit: $-35,428
• Equity at exit: $90,419

10-year hold

• IRR: -2.2%
• Equity multiple: 0.77×
• Total profit: $-20,240
• Equity at exit: $106,736

Cash invested: $89,572 (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 33715

• Home prices YoY: -0.1%
• Active inventory: 285
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $3,558 high
• Mortgage (P&I): −$1,678
• Tax from tax record: −$534 /mo · $6,404/yr
• Insurance: −$133
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$783
• Vacancy / Maint / Mgmt: −$747
• Net cashflow: $-383

Break-even live

Break-even rent $4,043

Max offer price $252,206

Occupancy floor —

Sensitivity live

Price	-10% $-202	-5% $-293	+0% $-383	+5% $-474	+10% $-564
Rent	-10% $-664	-5% $-524	+0% $-383	+5% $-243	+10% $-102
Rate	-1.0pp $-222	-0.5pp $-302	base $-383	+0.5pp $-466	+1.0pp $-550

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: $79,975
• Closing costs: $9,597
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6073 Bahia del Mar Blvd #129 Saint Petersburg, FL	2.0	2.0	1145	$2,200	$1.92	25d	1	0.01mi
6077 Bahia del Mar Blvd St Petersburg, FL	2.0	2.0	1107	$2,198	$1.98	13d	2	0.01mi
6059 Bahia del Mar Blvd #241 Saint Petersburg, FL	2.0	2.0	1070	$5,170	$4.83	18d	1	0.03mi
6281 Bahia del Mar Blvd #208 Saint Petersburg, FL	2.0	2.0	890	$2,100	$2.36	25d	1	0.07mi
6141 Bahia Del Mar Blvd S Unit 1546330P St. Petersburg, FL	2.0	2.0	1140	$2,631	$2.31	8d	1	0.09mi
6141 Bahia del Mar Blvd #229 Saint Petersburg, FL	2.0	2.0	1145	$6,090	$5.32	25d	1	0.09mi
6273 Bahia del Mar Blvd #216 Saint Petersburg, FL	2.0	2.0	915	$5,700	$6.23	25d	1	0.09mi
6107 Mirada Cir Saint Petersburg, FL	3.0	2.5	1320	$3,200	$2.42	5d	1	0.10mi
6294 Bahia del Mar Cir St Petersburg, FL	2.0	2.0	945	$4,142	$4.38	25d	3	0.11mi
6357 Bahia del Mar Blvd St Petersburg, FL	1.0–2.0	1.5–2.0	915	$7,000	$7.65	25d	2	0.11mi
6151 Bahia del Mar Blvd St Petersburg, FL	2.0	2.0	1107	$4,540	$4.10	25d	3	0.13mi
6295 Bahia del Mar Cir St Petersburg, FL	1.0–2.0	1.0–2.0	915	$7,110	$7.77	25d	6	0.13mi
6361 Bahia del Mar Blvd St Petersburg, FL	1.0–2.0	1.5–2.0	835	$5,800	$6.95	4d	3	0.14mi
6100 Bahia del Mar Cir #103 Saint Petersburg, FL	2.0	2.5	1145	$5,580	$4.87	5d	1	0.17mi
6100 Bahia del Mar Cir St Petersburg, FL	2.0	2.0–2.5	1145	$4,038	$3.53	25d	2	0.17mi
6365 Bahia del Mar Blvd St Petersburg, FL	1.0–2.0	1.5–2.0	827	$2,500	$3.02	18d	3	0.19mi
6291 Bahia del Mar Cir St Petersburg, FL	2.0	2.0	1222	$3,830	$3.13	25d	2	0.21mi
6191 Bahia del Mar Blvd #205 Saint Petersburg, FL	2.0	2.0	1070	$3,400	$3.18	25d	1	0.22mi
5901 Bahia del Mar Cir #124 Saint Petersburg, FL	2.0	2.0	1150	$2,500	$2.17	25d	1	0.24mi
5901 Bahia del Mar Cir #518 Saint Petersburg, FL	2.0	2.0	1080	$3,000	$2.78	25d	1	0.24mi
5901 Bahia del Mar Cir #122 Saint Petersburg, FL	2.0	2.0	1080	$3,500	$3.24	25d	1	0.24mi
5901 Bahia del Mar Cir #223 Saint Petersburg, FL	2.0	2.0	1080	$7,860	$7.28	25d	1	0.24mi
5901 Bahia del Mar Cir #422 Saint Petersburg, FL	2.0	2.0	1080	$7,860	$7.28	25d	1	0.24mi
6382 Palma del Mar Blvd S #222 Saint Petersburg, FL	2.0	2.0	890	$2,200	$2.47	25d	1	0.24mi
6343 Palma del Mar Blvd S #226 Saint Petersburg, FL	2.0	2.0	890	$2,235	$2.51	18d	1	0.24mi
6343 Palma del Mar Blvd S #228 Saint Petersburg, FL	2.0	2.0	890	$2,395	$2.69	25d	1	0.24mi
6000 Bahia del Mar Cir St Petersburg, FL	2.0	2.0	1107	$4,195	$3.79	8d	2	0.25mi
6000 Bahia del Mar Cir St Petersburg, FL	2.0	2.0	1107	$4,095	$3.70	25d	3	0.25mi
6287 Bahia del Mar Cir #311 St Petersburg, FL	2.0	2.0	890	$2,100	$2.36	5d	1	0.26mi
6287 Bahia del Mar Cir #312 Saint Petersburg, FL	2.0	2.0	890	$3,200	$3.60	5d	1	0.26mi
6269 Palma del Mar Blvd S #308 Saint Petersburg, FL	2.0	2.0	1050	$2,495	$2.38	5d	1	0.26mi
6269 Palma del Mar Blvd S #302 Saint Petersburg, FL	2.0	2.0	1050	$2,395	$2.28	5d	1	0.26mi
6269 Palma del Mar Blvd S #104 Saint Petersburg, FL	2.0	2.0	890	$2,500	$2.81	5d	1	0.26mi
6269 Palma del Mar Blvd S #501 Saint Petersburg, FL	1.0	1.5	780	$2,000	$2.56	5d	1	0.26mi
6061 Bahia del Mar Cir #448 St Petersburg, FL	2.0	2.0	1150	$7,530	$6.55	5d	1	0.27mi
6061 Bahia del Mar Cir #347 St Petersburg, FL	2.0	2.0	1080	$2,300	$2.13	5d	1	0.27mi
6061 Bahia del Mar Cir #146 Saint Petersburg, FL	2.0	2.0	1080	$2,600	$2.41	25d	1	0.27mi
6081 Bahia del Mar Cir #456 Saint Petersburg, FL	2.0	2.0	1150	$3,000	$2.61	25d	1	0.27mi
5900 Bahia del Mar Cir #138 St Petersburg, FL	2.0	2.0	1075	$5,070	$4.72	5d	1	0.29mi
6322 Palma del Mar Blvd S #216 Saint Petersburg, FL	2.0	2.0	890	$2,395	$2.69	8d	1	0.30mi

HOA detail condo

• Monthly dues: $783 · $9,396/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 23 events

1. 2026-05-22
   status Pending
2. 2026-05-08
   status Active
3. 2026-05-08
   price $319,900
4. 2026-03-26
   price $329,900
5. 2026-02-24
   price $339,900
6. 2026-01-16
   listed $349,900 Active
7. 2025-05-20
   historical
8. 2025-03-31
   price $399,900
9. 2025-02-20
   listed $415,000 Active
10. 2010-05-20
    soldstatus $155,000
11. 2010-05-14
    soldstatus $155,000 657-char remark

    Show marketing remark (657 chars)

    Attractive 1st floor condo overlooking a sparkling pond and the Isla Del Sol golf course! Nicely furnished with tile floors, a large kitchen with lots of windows and a spacious master suite with double doors and a large walk-in closet! Themaster bath has double sinks and a large soaking tub / shower! The guest bedroom features a walk-in closet and private access to the guest bathroom! Ready to move into! Isla Del Sol offers lots of amenities including a championship 18 holegolf course and a brand new country club! Just minutes from I-275, the Gulf beaches and Fort DeSoto Park (named #1 beach in the U. S. )!! Short sale subject to 3rd party approval.

12. 2009-09-21
    listed $155,000 657-char remark

    Show marketing remark (657 chars)

    Attractive 1st floor condo overlooking a sparkling pond and the Isla Del Sol golf course! Nicely furnished with tile floors, a large kitchen with lots of windows and a spacious master suite with double doors and a large walk-in closet! Themaster bath has double sinks and a large soaking tub / shower! The guest bedroom features a walk-in closet and private access to the guest bathroom! Ready to move into! Isla Del Sol offers lots of amenities including a championship 18 holegolf course and a brand new country club! Just minutes from I-275, the Gulf beaches and Fort DeSoto Park (named #1 beach in the U. S. )!! Short sale subject to 3rd party approval.

13. 2009-09-18
    historical
14. 2009-06-26
    listed $255,000
15. 2005-11-07
    soldstatus $309,000
16. 2005-10-19
    soldstatus $309,000
17. 2005-08-24
    listed $324,900
18. 2005-08-12
    listed $340,000
19. 2004-07-15
    soldstatus $240,000
20. 2004-06-30
    soldstatus $240,000
21. 2004-05-24
    historical
22. 2004-05-23
    listed $240,000
23. 1988-12-06
    soldstatus $79,000

ⓘ 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: $6,404 · $534/mo
• Projected year-2 tax: $6,404 · $534/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 7/10 Severe FEMA zone X (shaded) · 94% 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 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $42,696
• − Mortgage interest: −$17,919
• − Property taxes: −$6,404
• − Insurance: −$2,397
• − Repairs & maintenance: −$3,416
• − Management: −$3,416
• − HOA: −$9,396
• − Depreciation: −$9,306
• Taxable loss: −$9,558
• Est. tax savings @ 24.0%: +$2,294
• After-tax cash flow: $-2,304/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): 8,032
• Household income: $102,782
• Rent vs Own: 9.2% rent · 90.8% own
• Severe rent burden: 106.0

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 (89%)
• Race & ethnicity: White 89% Two or more races 5% Hispanic / Latino 5% Asian 2%
• Hispanic origin (detail): Puerto Rican 2%
• Common ancestry: Romanian 6% Hungarian 3% Lithuanian 3%
• Foreign-born: 11% · Canada, China
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 2% Arabic 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: ▼ -0.15%
• Current HPI: 264.9727
• Rent YoY: —
• 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

+304.9% since first listed

23 events — show timeline

• 2026-05-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-08 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-08 Price Changed $319,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-26 Price Changed $329,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-24 Price Changed $339,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Listed $349,900 Stellar MLS as Distributed by MLS Grid
• 2025-05-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-03-31 Price Changed $399,900 Stellar MLS as Distributed by MLS Grid
• 2025-02-20 Listed $415,000 Stellar MLS as Distributed by MLS Grid
• 2010-05-20 Sold (Public Records) $155,000 Public Records
• 2010-05-14 Sold (MLS) $155,000 Stellar MLS as Distributed by MLS Grid
• 2009-09-21 Listed $155,000 Stellar MLS as Distributed by MLS Grid
• 2009-09-18 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2009-06-26 Listed $255,000 Stellar MLS as Distributed by MLS Grid
• 2005-11-07 Sold (Public Records) $309,000 Public Records
• 2005-10-19 Sold (MLS) $309,000 Stellar MLS as Distributed by MLS Grid
• 2005-08-24 Listed $324,900 Stellar MLS as Distributed by MLS Grid
• 2005-08-12 Listed $340,000 Stellar MLS as Distributed by MLS Grid
• 2004-07-15 Sold (Public Records) $240,000 Public Records
• 2004-06-30 Sold (MLS) $240,000 Stellar MLS as Distributed by MLS Grid
• 2004-05-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2004-05-23 Listed $240,000 Stellar MLS as Distributed by MLS Grid
• 1988-12-06 Sold (Public Records) $79,000 Public Records

Property tax history

+6.4%/yr

Latest (2025): $6,404 · +7.2% YoY. Source: county tax records.