9440 Lemon Drop Loop · Apollo Beach, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 6/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 108°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
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 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 +14.3/15.0
- Cash flow +7.5/30.0
- Condition / age +4.8/5.0
- Schools +4.3/10.0
- Livability +3.6/5.0
- Appreciation +3.4/10.0
- 1% rule +3.2/10.0
- Rent growth +3.2/5.0
- DSCR +1.7/10.0
$340,000
9440 Lemon Drop Loop · Apollo Beach, FL 33573
5 bd · 3.0 ba · 2,264 sqft · SingleFamily
public records
· 170 Days on market
Built 2022
4,840 sqft lot
Garage
$150/sqft
· 15% below area
Est $400k · 15% under
$14/mo HOA · 1% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Under Construction. This spacious two-story home boasts five bedrooms with room to spare. The first floor contains a breezy living room, dining room and kitchen in an open design. The spacious owner’s suite is tucked away on the second floor, along with all the secondary bedrooms, just off the versatile loft space. Interior photos disclosed are different from the actual model being built.
Key facts
- Open-concept design
- Spacious kitchen
- Center island
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 5-bed/3.0-bath single-family listed at $340k. Condition is rated excellent.
Deal economics
- At list price, monthly cash flow is $-419 ($-5k/yr) — negative.
- To cash-flow at today's rent, offer at most $266k (21.8% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $280k (17.8% below list).
- Recommended offer: $266k (21.8% below list) — sets the bar for cash-flow.
- Cap rate 4.8% vs local median 3.0% in Apollo Beach — 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 72/100 on livability (#333 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: cost of living C-, amenities F, health & safety F.
- 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: Belmont Elementary School (math 42% / reading 45%, grade F, #1,345 of 2,144 statewide, top 64%, 987 students, 44% FRL); Jule F Sumner High School (math 43% / reading 43%, grade F, #255 of 667 statewide, top 39%, 3,827 students, 43% FRL).
- Market conditions: Rents rising (+2.6%/yr); 808 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 69d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
- At $2,795/mo this rent would consume 46% of the median local household income ($73k/yr) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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 170 days — a 12% lower offer ($299k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 4y ago; this cycle's ask has dropped $25k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$266,013
(21.8% 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 170 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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.
- Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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 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
- 0.82% ✗
- Cap rate
- 4.81%
- Cash-on-cash
- -5.28%
- DSCR
- 0.77
- GRM
- 10.1
CMA / ARV
- ARV (median comp)
- $400,419
- List price
- $340,000
- Delta
- -15.09%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 10 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 9616 Lemon Drop Loop | 0.30mi | 5/2.5 | 2,415 (+7%) | 0mo | $329,000 | $136 | 73 |
| 9742 Crescent Moon Dr | 0.55mi | 4/3.0 (-1) | 2,262 (-0%) | 0mo | $459,610 | $203 | 69 |
| 9738 Crescent Moon Dr | 0.54mi | 4/3.0 (-1) | 2,262 (-0%) | 2mo | $443,290 | $196 | 68 |
| 9750 Crescent Moon Dr | 0.56mi | 4/3.0 (-1) | 2,262 (-0%) | 3mo | $445,450 | $197 | 66 |
| 9832 Sage Creek Dr | 0.28mi | 4/3.0 (-1) | 2,061 (-9%) | 5mo | $300,000 | $146 | 63 |
| 9908 Sage Creek Dr | 0.39mi | 4/3.0 (-1) | 2,061 (-9%) | 1mo | $365,000 | $177 | 61 |
| 9891 Hickory Pines Ave | 0.72mi | 4/3.0 (-1) | 2,262 (-0%) | 1mo | $481,670 | $213 | 60 |
| 10009 Celtic Ash Dr | 0.72mi | 4/3.0 (-1) | 2,293 (+1%) | 2mo | $390,000 | $170 | 57 |
| 9752 Crescent Moon Dr | 0.57mi | 5/3.0 | 2,597 (+15%) | 4mo | $463,620 | $179 | 46 |
| 6109 Colmar Pl | 0.73mi | 4/2.0 (-1) | 1,976 (-13%) | 1mo | $525,000 | $266 | 35 |
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 · 2.65% rent growth · sell at horizon
5-year hold
- IRR
- -25.7%
- Equity multiple
- 0.13×
- Total profit
- $-82,538
- Equity at exit
- $50,695
10-year hold
- IRR
- -23.1%
- Equity multiple
- -0.15×
- Total profit
- $-109,355
- Equity at exit
- $29,397
Cash invested: $95,200 (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.
Buyer's market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 34 active · 40 under contract
- Months of supply
- 11.3 mo (9%/mo absorbed)
- Median asking
- $435,685 ($186/sqft)
- Median days on market
- 75 d
- This list price
- 15% of active listings are priced below it
- ARV vs active asking
- -5.0% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 33573
- Home prices YoY
- -1.2%
- Rents YoY
- 2.6%
- Active inventory
- 808
- Price-to-rent
- 10.1×
Monthly cashflow live
↻
- Estimated rent
- $2,795 high interval (Pro) →
- Mortgage (P&I)
- −$1,783
- Tax from tax record
- −$688 /mo · $8,259/yr
- Insurance
- −$142
- HOA
- −$14
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$587
- Net cashflow
- $-419
Break-even live
Break-even rent
$3,325
Max offer price
$266,013
Occupancy floor
—
Sensitivity live
| Price | -10% $-226 | -5% $-323 | +0% $-419 | +5% $-515 | +10% $-611 |
|---|---|---|---|---|---|
| Rent | -10% $-640 | -5% $-529 | +0% $-419 | +5% $-308 | +10% $-198 |
| Rate | -1.0pp $-248 | -0.5pp $-332 | base $-419 | +0.5pp $-507 | +1.0pp $-597 |
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
- $85,000
- Closing costs
- $10,200
- 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 |
|---|---|---|---|---|---|---|---|---|
| 9454 Channing Hill Dr Ruskin, FL | 5.0 | 2.5 | 2902 | $2,900 | $1.00 | 85d | 1 | 0.12mi |
| 9837 Lemon Drop Loop Ruskin, FL | 4.0 | 2.0 | 1935 | $2,299 | $1.19 | 10d | 1 | 0.20mi |
| 9837 Lemon Drop Loop Ruskin, FL | 4.0 | 2.0 | 1935 | $2,299 | $1.19 | 14d | 1 | 0.20mi |
| 9831 Lemon Drop Loop Ruskin, FL | 4.0 | 2.5 | 2635 | $2,800 | $1.06 | 99d | 1 | 0.22mi |
| 9823 Ivory Dr Ruskin, FL | 4.0 | 2.0 | 2334 | $2,406 | $1.03 | 85d | 1 | 0.30mi |
| 9746 Sage Creek Dr Ruskin, FL | 4.0 | 2.0 | 1817 | $2,350 | $1.29 | 10d | 1 | 0.33mi |
| 9835 Ivory Dr Sun City Center, FL | 5.0 | 3.5 | 2466 | $2,641 | $1.07 | 107d | 1 | 0.34mi |
| 9739 Lemon Drop Loop Ruskin, FL | 4.0 | 2.5 | 1914 | $2,395 | $1.25 | 3d | 1 | 0.36mi |
| 9671 Ivory Dr Sun City Center, FL | 4.0 | 2.5 | 2410 | $2,550 | $1.06 | 110d | 1 | 0.48mi |
| 9654 Sage Creek Dr Ruskin, FL | 4.0 | 2.0 | 1817 | $2,119 | $1.17 | 3d | 1 | 0.52mi |
| 9654 Sage Creek Dr Ruskin, FL | 4.0 | 2.0 | 1817 | $2,159 | $1.19 | 14d | 1 | 0.52mi |
| 9648 Sage Creek Dr Sun City Center, FL | 6.0 | 3.0 | 3153 | $3,000 | $0.95 | 158d | 1 | 0.53mi |
| 10018 Sage Creek Dr Sun City Center, FL | 4.0 | 2.0 | 2598 | $2,611 | $1.01 | 165d | 1 | 0.56mi |
| 10015 Ivory Dr Ruskin, FL | 4.0 | 2.5 | 2459 | $2,600 | $1.06 | 55d | 1 | 0.57mi |
| 9632 Sage Creek Dr Ruskin, FL | 6.0 | 3.0 | 3326 | $2,726 | $0.82 | 85d | 1 | 0.59mi |
| 9624 Sage Creek Dr Ruskin, FL | 4.0 | 2.0 | 2584 | $2,151 | $0.83 | 22d | 1 | 0.62mi |
| 9924 Victory Gallop Loop Ruskin, FL | 4.0 | 2.5 | 2535 | $2,656 | $1.05 | 162d | 1 | 0.66mi |
| 10040 Blackstone Creek CT Riverview, FL | 3.0–4.0 | 2.5 | 1687 | $3,249 | $1.93 | 1d | 35 | 0.68mi |
| 6125 Colmar Pl Apollo Beach, FL | 4.0 | 2.5 | 2494 | $3,100 | $1.24 | 129d | 1 | 0.68mi |
| 10049 Victory Gallop Loop Ruskin, FL | 4.0 | 3.0 | 2040 | $2,250 | $1.10 | 69d | 1 | 0.69mi |
| 9901 Victory Gallop Loop Ruskin, FL | 4.0 | 2.0 | 2598 | $2,361 | $0.91 | 85d | 1 | 0.72mi |
| 6312 Waves End Pl Apollo Beach, FL | 4.0 | 3.0 | 2550 | $3,500 | $1.37 | 109d | 1 | 0.75mi |
| 6234 Colmar Pl Apollo Beach, FL | 4.0 | 3.0 | 2074 | $2,800 | $1.35 | 123d | 1 | 0.77mi |
| 10114 Point Given Ct Sun City Center, FL | 4.0 | 2.5 | 2162 | $2,327 | $1.08 | 165d | 1 | 0.84mi |
| 14208 War Admiral Pl Ruskin, FL | 4.0 | 2.5 | 2162 | $2,377 | $1.10 | 50d | 1 | 0.87mi |
| 6610 Brighton Park Dr Apollo Beach, FL | 4.0 | 2.0 | 2567 | $3,250 | $1.27 | 145d | 1 | 0.88mi |
| 6610 Brighton Park Dr Apollo Beach, FL | 4.0 | 2.0 | 2567 | $3,250 | $1.27 | 1d | 1 | 0.88mi |
| 14224 War Admiral Pl Ruskin, FL | 4.0 | 2.5 | 2162 | $2,377 | $1.10 | 0d | 1 | 0.88mi |
| 14207 Riva Ridge Pl Ruskin, FL | 4.0 | 2.5 | 2162 | $2,377 | $1.10 | 0d | 1 | 0.90mi |
| 14223 Riva Ridge Pl Ruskin, FL | 4.0 | 2.5 | 2162 | $2,447 | $1.13 | 38d | 1 | 0.90mi |
| 14255 Riva Ridge Pl Ruskin, FL | 4.0 | 2.5 | 2162 | $2,377 | $1.10 | 0d | 1 | 0.92mi |
| 10041 Celtic Ash Dr Ruskin, FL | 4.0 | 3.0 | 2302 | $2,574 | $1.12 | 121d | 1 | 0.92mi |
| 14265 Riva Ridge Pl Ruskin, FL | 4.0 | 2.5 | 2162 | $2,377 | $1.10 | 0d | 1 | 0.93mi |
| 10040 Blackstone Creek Ct Unit Borage Riverview, FL | 4.0 | 2.5 | 1788 | $2,949 | $1.65 | 19d | 1 | 0.94mi |
| 14250 Riva Ridge Pl Sun City Center, FL | 4.0 | 2.5 | 2162 | $2,327 | $1.08 | 134d | 1 | 0.95mi |
| 10327 Celtic Ash Dr Ruskin, FL | 4.0 | 2.5 | 2606 | $2,479 | $0.95 | 13d | 1 | 0.96mi |
| 10327 Celtic Ash Dr Ruskin, FL | 4.0 | 2.5 | 2606 | $2,429 | $0.93 | 3d | 1 | 0.96mi |
| 7325 Parkshore Dr Apollo Beach, FL | 4.0 | 3.5 | 2184 | $2,900 | $1.33 | 127d | 1 | 0.96mi |
| 10145 Tabasco Cat Ct Ruskin, FL | 4.0 | 2.5 | 2162 | $2,377 | $1.10 | 0d | 1 | 0.97mi |
| 10125 Count Fleet Dr Ruskin, FL | 4.0 | 3.0 | 2529 | $2,650 | $1.05 | 124d | 1 | 0.97mi |
Property features AI
Finance
- Other
- Community Development District (CDD) presentUnfurnished
- Financial info
- Other annual assessment: $2,759
- HOA & community
- Belmont HOA with required annual fee of $170 (about $14.17/month)Pets allowedLease restrictions apply
Exterior
- Parking
- Attached garage with 2 spaces
- Utilities
- Public waterPublic sewerElectricity connectedBroadband/high-speed internet availableSprinkler meterWater connectedSewer available
- Home design
- Single family residenceTwo-storyFaces southwest
- Construction
- Block and stucco constructionShingle roofSlab foundationBuilt on 0.11-acre lot
- Exterior features
- Front porchFrench doorsHurricane shuttersIrrigation equipmentAsphalt and brick road surfacesLot dimensions approximately 40 x 121
Interior
- Kitchen
- CooktopDishwasherDisposalMicrowaveRefrigerator
- Bedrooms
- 5 bedrooms
- Flooring
- CarpetCeramic tile
- Bathrooms
- 2 full baths1 half bath
- Heating & cooling
- Central heatingCentral air conditioning
- Interior features
- Eat-in kitchenIn-wall pest systemKitchen/family room comboLiving room/dining room comboOpen floorplanSolid surface counters
- Laundry & utility
- Inside laundry roomDryer
Listing history 50 events
-
2026-11-08days on market $340,000 Active 170 DOM
-
2026-11-07days on market $340,000 Active 169 DOM
-
2026-11-06days on market $340,000 Active 168 DOM
-
2026-11-05days on market $340,000 Active 167 DOM
-
2026-11-04days on market $340,000 Active 166 DOM
-
2026-11-02days on market $340,000 Active 164 DOM
-
2026-11-01days on market $340,000 Active 163 DOM
-
2026-10-31days on market $340,000 Active 162 DOM
-
2026-10-30days on market $340,000 Active 161 DOM
-
2026-10-29days on market $340,000 Active 160 DOM
-
2026-10-28days on market $340,000 Active 159 DOM
-
2026-10-27days on market $340,000 Active 158 DOM
-
2026-10-26days on market $340,000 Active 157 DOM
-
2026-10-25days on market $340,000 Active 156 DOM
-
2026-10-24days on market $340,000 Active 155 DOM
-
2026-10-23days on market $340,000 Active 154 DOM
-
2026-10-22days on market $340,000 Active 153 DOM
-
2026-10-21days on market $340,000 Active 152 DOM
-
2026-10-20days on market $340,000 Active 151 DOM
-
2026-10-19days on market $340,000 Active 150 DOM
-
2026-10-18days on market $340,000 Active 149 DOM
-
2026-10-17days on market $340,000 Active 148 DOM
-
2026-10-16days on market $340,000 Active 147 DOM
-
2026-10-15days on market $340,000 Active 146 DOM
-
2026-10-14days on market $340,000 Active 145 DOM
-
2026-10-13days on market $340,000 Active 144 DOM
-
2026-10-12days on market $340,000 Active 143 DOM
-
2026-10-11price $340,000 Active 142 DOM
-
2026-10-11days on market $345,000 Active 142 DOM
-
2026-10-10days on market $345,000 Active 141 DOM
-
2026-10-09days on market $345,000 Active 140 DOM
-
2026-10-08days on market $345,000 Active 139 DOM
-
2026-10-07days on market $345,000 Active 138 DOM
-
2026-10-06days on market $345,000 Active 137 DOM
-
2026-10-05days on market $345,000 Active 136 DOM
-
2026-10-04days on market $345,000 Active 135 DOM
-
2026-10-03days on market $345,000 Active 134 DOM
-
2026-10-02days on market $345,000 Active 133 DOM
-
2026-10-01days on market $345,000 Active 132 DOM
-
2026-09-30days on market $345,000 Active 131 DOM
-
2026-09-29days on market $345,000 Active 130 DOM
-
2026-09-28days on market $345,000 Active 129 DOM
-
2026-09-27days on market $345,000 Active 128 DOM
-
2026-09-25days on market $345,000 Active 126 DOM
-
2026-09-24days on market $345,000 Active 125 DOM
-
2026-09-23days on market $345,000 Active 124 DOM
-
2026-09-22days on market $345,000 Active 123 DOM
-
2026-09-21days on market $345,000 Active 122 DOM
-
2026-09-20days on market $345,000 Active 121 DOM
-
2026-09-19days on market $345,000 Active 120 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
- $8,259 · $688/mo
- Projected year-2 tax
- $8,259 · $688/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 6/10 Major
- Heat 10/10 Extreme 7 d/yr ≥108°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 3 unhealthy d/yr today · 4 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
- $33,541
- − Mortgage interest
- −$19,045
- − Property taxes
- −$8,259
- − Insurance
- −$1,700
- − Repairs & maintenance
- −$2,683
- − Management
- −$2,683
- − HOA
- −$168
- − Depreciation
- −$9,891
- Taxable loss
- −$10,889
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$2,613
- After-tax cash flow
- $-2,413/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 · 4 photos
95/100
None rehab
This move-in-ready home in the Belmont community of Sun City Center offers a spacious and well-maintained living environment with excellent curb appeal and mature landscaping.
Value-add opportunities
- Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics. ↑
- Both Landscaping and irrigation system — Improves curb appeal and maintains property value. ↑
- Rental HVAC maintenance — Ensures comfort and reduces utility costs for tenants. ↑
F
Composite school gradezoned avg 43/100
Zoned Schools
Elementary
Belmont Elementary School
F
FL #1,345/2,144
Nat'l #17,359/41,679
High
Jule F Sumner High School
F
FL #255/667
Nat'l #7,439/17,239
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
B
Composite livability gradescore 72/100
Livability — Apollo Beach
- Score
- 72/100
- State rank
- #333
- US rank
- #5784
Category grades
Amenities F
Commute C
Cost of living C-
Crime A+
Employment A+
Housing A+
Health & safety F
User ratings D+
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Apollo Beach, FL
- County
- Hillsborough County · 1,607,022 people
- City population
- 26,495
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 35,362
- Household income
- $72,834
- Rent vs Own
- Severe rent burden
- 10% of renters
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
- Predominantly White (73%)
- Race & ethnicity
- White 73% Hispanic / Latino 13% Two or more races 11% Black 10% Asian 1%
- Hispanic origin (detail)
- Mexican 1% Puerto Rican 6% Cuban 2%
- Languages at home
- 86% English-only · Spanish 10% French/Haitian/Cajun 1% German/W. Germanic 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
- ▼ -3.27%
- Current HPI
- 272.9767
- Rent YoY
- ▲ 2.65%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+6.4% since first listed17 events — show timeline
- 2026-07-18 Price Changed $355,000 Stellar MLS as Distributed by MLS Grid
- 2026-05-22 Listed $365,000 Stellar MLS as Distributed by MLS Grid
- 2025-12-15 Rental Removed $2,500 TURBOTENANT
- 2025-12-03 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2025-12-02 Listed for Rent $2,500 TURBOTENANT
- 2025-12-02 Rental Removed $2,500 STELLARMLS
- 2025-11-12 Price Changed $2,500 STELLARMLS
- 2025-11-01 Listed for Rent $2,800 STELLARMLS
- 2025-10-30 Price Changed $374,900 Stellar MLS as Distributed by MLS Grid
- 2025-10-07 Rental Removed $3,166 TURBOTENANT
- 2025-10-04 Price Changed $3,166 TURBOTENANT
- 2025-09-30 Price Changed $379,900 Stellar MLS as Distributed by MLS Grid
- 2025-09-05 Listed for Rent $3,208 TURBOTENANT
- 2025-08-11 Price Changed $385,000 Stellar MLS as Distributed by MLS Grid
- 2025-06-30 Listed $390,000 Stellar MLS as Distributed by MLS Grid
- 2022-03-22 Listed $333,715 Stellar MLS as Distributed by MLS Grid
- 2022-03-22 Sold (MLS) $333,715 Stellar MLS as Distributed by MLS Grid
Property tax history
+0.5%/yrLatest (2025): $8,259 · +3.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…