3009 E 25th Ave · Tampa, FL 33605

$284,999

3 bd · 2.0 ba · 1,407 sqft · SingleFamily public records · 156 Days on market

Built 1980 5,225 sqft lot

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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 +15.8/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +4.9/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• 1% rule +3.3/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Great 3 bedroom 2 bathroom home on corner lot, close to everything! This home features a very nice floor plan with large bonus room. Roof and A/C are newer. The yard is fenced in and well maintained. Local schools offer IB options. Your just minutes away from I-4 and I-275. Close to Ybor city. 12-15 minutes from Tampa International Airport, International Mall, Busch gardens, 10 minutes to downtown. Buy this home from the original owners and with accepted offer, will assist with closing cost. Call to schedule your showing today!

Key facts

• Ybor city
• Busch garden
• Corner lot

Tags

• CORNER LOT
• YBOR CITY
• TAMPA INTERNATIONAL AIRPORT
• BUSCH GARDEN

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $285k.

Deal economics

• At list price, monthly cash flow is $130 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $236k (17.2% below list).
• Recommended offer: $236k (17.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 79/100 on livability (#142 in FL, #2,135 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: crime D+.
• 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.
• Zoned schools: Oak Grove Elementary School (math 41% / reading 39%, grade F, #1,491 of 2,144 statewide, top 70%, 803 students, 78% FRL); Middleton High School (math 23% / reading 51%, grade F, #340 of 667 statewide, top 52%, 1,511 students, 57% FRL) — zoned schools average 68% FRL vs 52% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents flat; 187 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $2,359/mo this rent would consume 77% of the median local household income ($37k/yr) (locally 1374% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $30k of equity ($2k loan paydown + $28k appreciation (10.0% local appreciation)).
• Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 0.6% rent growth), your $80k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$49k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 156 days — a 12% lower offer ($251k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 8y ago; this cycle's ask has dropped $15k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $150k; list at $285k implies a 90% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• 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 $235,887 (17.2% below list)

Questions for the listing agent

1. It's been on market 156 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 0.83% ✗
• Cap rate: 6.84%
• Cash-on-cash: 1.95%
• DSCR: 1.09
• GRM: 10.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 0.58% rent growth · sell at horizon

5-year hold

• IRR: 24.9%
• Equity multiple: 2.98×
• Total profit: $157,758
• Equity at exit: $256,750

10-year hold

• IRR: 21.5%
• Equity multiple: 6.61×
• Total profit: $447,569
• Equity at exit: $553,690

Cash invested: $79,800 (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 33605

• Home prices YoY: 3.7%
• Rents YoY: 0.6%
• Active inventory: 187
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $2,359 high
• Mortgage (P&I): −$1,495
• Tax from tax record: −$121 /mo · $1,446/yr
• Insurance: −$119
• HOA: −$0
• Vacancy / Maint / Mgmt: −$495
• Net cashflow: $130

Break-even live

Break-even rent $2,195

Max offer price $284,999

Occupancy floor 90%

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: $71,250
• Closing costs: $8,550
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3114 E 21st Ave Unit 1328494P Tampa, FL	4.0	2.0	1614	$4,889	$3.03	5d	1	0.17mi
3107 Chipco St Tampa, FL	3.0	1.0	1268	$1,799	$1.42	24d	1	0.18mi
3101 E 18th Ave Tampa, FL	3.0	1.0	1050	$1,750	$1.67	3d	1	0.34mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	24d	1	0.38mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	11d	1	0.38mi
3517 Bishop Eddie Newkirk Way Tampa, FL	3.0	2.0	1200	$2,500	$2.08	24d	1	0.41mi
2610 E Lake Ave Tampa, FL	3.0	2.0	1698	$2,250	$1.33	3d	1	0.42mi
3716 N 31st St Tampa, FL	3.0	2.0	1200	$1,895	$1.58	5d	1	0.44mi
3507 E 29th Ave Tampa, FL	3.0	2.0	928	$1,700	$1.83	24d	1	0.44mi
2607 Lindell Ave Tampa, FL	4.0	2.0	1448	$2,395	$1.65	3d	1	0.52mi
2205 Chipco St Tampa, FL	2.0	1.0	1100	$1,600	$1.45	24d	1	0.53mi
2214 E 18th Ave Tampa, FL	3.0	2.0	1188	$2,295	$1.93	5d	1	0.58mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	3d	1	0.58mi
2108 E 22nd Ave Tampa, FL	3.0	3.0	1308	$2,100	$1.61	5d	1	0.58mi
2703 N 24th St Unit 1 Tampa, FL	3.0	3.0	1164	$2,295	$1.97	14d	1	0.59mi
2308 E 15th Ave Tampa, FL	3.0	1.0	936	$1,895	$2.02	15d	1	0.64mi
2002 E 18th Ave Tampa, FL	4.0	2.0	1084	$2,400	$2.21	5d	1	0.70mi
2104 E Columbus Dr Unit 301 Tampa, FL	3.0	2.0	1083	$2,050	$1.89	24d	1	0.70mi
2104 E Columbus Dr Tampa, FL	3.0	2.0	1231	$1,995	$1.62	24d	1	0.70mi
2504 E 12th Ave Tampa, FL	3.0	2.0	1422	$2,500	$1.76	5d	1	0.70mi
4204 N 29th St Tampa, FL	3.0	1.0	957	$1,800	$1.88	24d	1	0.71mi
3002 E 38th Ave Tampa, FL	3.0	2.0	1413	$2,600	$1.84	24d	1	0.75mi
2006 E Columbus Dr Unit A Tampa, FL	2.0	1.0	896	$1,495	$1.67	2d	1	0.76mi
1807 E 20th Ave Tampa, FL	3.0	2.0	1131	$2,900	$2.56	24d	1	0.80mi
4303 N 30th St Tampa, FL	3.0	2.0	1260	$3,200	$2.54	2d	1	0.80mi
2312 E 10th Ave Tampa, FL	3.0	1.0	1520	$2,400	$1.58	18d	1	0.82mi
2708 N 19th St Tampa, FL	3.0	2.0	1680	$2,200	$1.31	17d	1	0.83mi
3705 E North Bay St Tampa, FL	3.0	2.0	969	$1,850	$1.91	3d	1	0.83mi
3411 E 9th Ave Tampa, FL	4.0	1.0	1116	$1,700	$1.52	24d	1	0.84mi
2312 E 9th Ave Tampa, FL	3.0	2.0	1008	$2,200	$2.18	24d	1	0.87mi
1808 E Columbus Dr #5 Tampa, FL	2.0	2.5	1620	$1,900	$1.17	3d	1	0.88mi
3212 E Emma St Tampa, FL	4.0	2.0	1332	$2,300	$1.73	3d	1	0.91mi
2312 E 8th Ave Tampa, FL	3.0	2.0	1420	$2,500	$1.76	12d	1	0.91mi
3111 E Cayuga St Tampa, FL	4.0	2.0	1315	$2,250	$1.71	24d	1	0.92mi
3724 E 38th Ave Tampa, FL	3.0	2.0	1188	$1,895	$1.60	24d	1	0.92mi
1716 E Columbus Dr Unit A Tampa, FL	2.0	1.0	924	$1,800	$1.95	24d	1	0.93mi
3210 N 16th St Tampa, FL	4.0	2.0	1380	$1,875	$1.36	3d	1	0.96mi
3210 N 16th St Tampa, FL	4.0	2.0	1380	$1,995	$1.45	22d	1	0.96mi
3021 Sanchez St Tampa, FL	3.0	1.0	1300	$2,195	$1.69	24d	1	0.98mi
1520 E 21st Ave Tampa, FL	3.0	2.0	1671	$2,350	$1.41	17d	1	1.00mi

Listing history 11 events

1. 2026-03-20
   status Pending
2. 2026-03-16
   status Active
3. 2026-02-27
   status Pending
4. 2026-02-21
   status Active
5. 2025-11-21
   price $284,999
6. 2025-09-08
   listed $300,000 Active
7. 2018-08-17
   soldstatus $150,000
8. 2018-08-13
   soldstatus $150,000 Sold 534-char remark

   Show marketing remark (534 chars)

   Great 3 bedroom 2 bathroom home on corner lot, close to everything! This home features a very nice floor plan with large bonus room. Roof and A/C are newer. The yard is fenced in and well maintained. Local schools offer IB options. Your just minutes away from I-4 and I-275. Close to Ybor city. 12-15 minutes from Tampa International Airport, International Mall, Busch gardens, 10 minutes to downtown. Buy this home from the original owners and with accepted offer, will assist with closing cost. Call to schedule your showing today!

9. 2018-07-03
   status Pending 534-char remark

   Show marketing remark (534 chars)

   Great 3 bedroom 2 bathroom home on corner lot, close to everything! This home features a very nice floor plan with large bonus room. Roof and A/C are newer. The yard is fenced in and well maintained. Local schools offer IB options. Your just minutes away from I-4 and I-275. Close to Ybor city. 12-15 minutes from Tampa International Airport, International Mall, Busch gardens, 10 minutes to downtown. Buy this home from the original owners and with accepted offer, will assist with closing cost. Call to schedule your showing today!

10. 2018-06-25
    price $150,000 534-char remark

    Show marketing remark (534 chars)

    Great 3 bedroom 2 bathroom home on corner lot, close to everything! This home features a very nice floor plan with large bonus room. Roof and A/C are newer. The yard is fenced in and well maintained. Local schools offer IB options. Your just minutes away from I-4 and I-275. Close to Ybor city. 12-15 minutes from Tampa International Airport, International Mall, Busch gardens, 10 minutes to downtown. Buy this home from the original owners and with accepted offer, will assist with closing cost. Call to schedule your showing today!

11. 2018-06-01
    listed $160,000 Active 534-char remark

    Show marketing remark (534 chars)

    Great 3 bedroom 2 bathroom home on corner lot, close to everything! This home features a very nice floor plan with large bonus room. Roof and A/C are newer. The yard is fenced in and well maintained. Local schools offer IB options. Your just minutes away from I-4 and I-275. Close to Ybor city. 12-15 minutes from Tampa International Airport, International Mall, Busch gardens, 10 minutes to downtown. Buy this home from the original owners and with accepted offer, will assist with closing cost. Call to schedule your showing today!

ⓘ 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: $1,446 · $121/mo
• Projected year-2 tax: $2,365 · $197/mo
• Expected delta: +$919/yr (+$77/mo · 63.5%)

ⓘ 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) · 71% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 26 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,306
• − Mortgage interest: −$15,964
• − Property taxes: −$1,446
• − Insurance: −$1,425
• − Repairs & maintenance: −$2,265
• − Management: −$2,265
• − Depreciation: −$8,291
• Taxable loss: −$3,349
• Est. tax savings @ 24.0%: +$804
• After-tax cash flow: $2,360/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 — Tampa

• Score: 79/100
• State rank: #142
• US rank: #2135

Category grades

Amenities B- Commute A+ Cost of living B Crime D+ Employment C Housing A+ Health & safety A+ User ratings C+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tampa, FL
• County: Hillsborough County · 1,540,968 people
• City population: 523,346
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 16,030
• Household income: $36,975
• Rent vs Own: 59.8% rent · 40.2% own
• Severe rent burden: 1374.0

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 0.66)
• Race & ethnicity: Black 48% Hispanic / Latino 28% Two or more races 18% White 17% Asian 1%
• Hispanic origin (detail): Mexican 6% Puerto Rican 8% Cuban 6% Dominican 1%
• Common ancestry: Hispanic 2% Romanian 1% Lithuanian 1%
• Foreign-born: 17% · Canada, Vietnam, Jamaica
• Languages at home: 72% English-only · Spanish 24% French/Haitian/Cajun 3% Other Asian/Pacific 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: ▲ 17.43%
• Current HPI: 494.1871
• Rent YoY: ▲ 0.58%
• 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

+78.1% since first listed

11 events — show timeline

• 2026-03-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-21 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-21 Price Changed $284,999 Stellar MLS as Distributed by MLS Grid
• 2025-09-08 Listed $300,000 Stellar MLS as Distributed by MLS Grid
• 2018-08-17 Sold (Public Records) $150,000 Public Records
• 2018-08-13 Sold (MLS) $150,000 Stellar MLS as Distributed by MLS Grid
• 2018-07-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-06-25 Price Changed $150,000 Stellar MLS as Distributed by MLS Grid
• 2018-06-01 Listed $160,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+29.3%/yr

Latest (2025): $1,446 · +8.8% YoY. Source: county tax records.