504 E Emily St · Tampa, FL 33603

$5,000

3 bd · 1.0 ba · 2,115 sqft · SingleFamily public records · 10 Days on market

Built 1953

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends June 08, 2026 at 10:00 AM EST. Discover this inviting 3-bedroom, 2.5-bathroom single-family home, offering a great opportunity in the desirable Tampa area. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa.

Key facts

• Built 1953
• Listed 10 days

Property features AI

Exterior

• Home design: Residential property; One story
• Exterior features: 0.23-acre lot; Zoned RS-50

Interior

• Bedrooms: Bedrooms: see listing for count
• Bathrooms: Two full bathrooms; One half bathroom
• Interior features: Single-story layout

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $2k ($30k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $5k).

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: schools C-, 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.
• Market conditions: Rents soft (-1.3%/yr); 207 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $3,326/mo this rent would consume 54% of the median local household income ($74k/yr) (locally 800% of renters already pay >50% of income on rent) — 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 $35 of loan paydown is wiped out by about $150 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 10y 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: flood insurance adds $125/mo; built in 1953 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); 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 $5,000

Questions for the listing agent

1. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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?
6. 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.
7. 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.
8. 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: 66.51% ✓
• Cap rate: 628.54%
• Cash-on-cash: 2222.30%
• DSCR: 99.88
• GRM: 0.1

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: —
• Equity multiple: 105.80×
• Total profit: $146,726
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 210.27×
• Total profit: $292,980
• Equity at exit: $432

Cash invested: $1,400 (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 33603

• Rents YoY: -1.3%
• Active inventory: 207
• Price-to-rent: 0.1×

Monthly cashflow live

• Estimated rent: $3,326 high
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$698
• Net cashflow: $2,467

Break-even live

Break-even rent $202

Max offer price $5,000

Occupancy floor 21%

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
515 E Adalee St Tampa, FL	3.0	2.0	1552	$2,650	$1.71	5d	1	0.27mi
211 E Adalee St Tampa, FL	3.0	2.5	2334	$4,500	$1.93	15d	1	0.34mi
916 E 25th Ave Tampa, FL	3.0	2.0	1525	$2,600	$1.70	11d	1	0.37mi
2904 N Jefferson St Tampa, FL	4.0	3.0	2078	$4,400	$2.12	5d	1	0.43mi
102 W Adalee St #4 Tampa, FL	3.0	3.5	2175	$4,950	$2.28	24d	1	0.45mi
2825 N Taliaferro Ave Tampa, FL	4.0	2.0	1484	$3,500	$2.36	24d	1	0.50mi
4114 N Nebraska Ave Tampa, FL	4.0	5.0	2824	$3,850	$1.36	24d	1	0.51mi
807 E Genesee St Unit 1/2 Tampa, FL	3.0	2.0	1414	$2,400	$1.70	22d	1	0.58mi
807 E Genesee St Tampa, FL	3.0	2.0	1414	$2,400	$1.70	20d	1	0.58mi
3601 N 13th St Tampa, FL	3.0	2.5	1800	$2,550	$1.42	24d	1	0.60mi
1003 E 19th Ave Unit 1053143P Tampa, FL	4.0	3.0	1614	$4,674	$2.90	3d	1	0.63mi
3916 N Ola Ave Tampa, FL	3.0	2.0	1673	$3,200	$1.91	18d	1	0.63mi
210 E Columbus Dr Unit A Tampa, FL	4.0	2.5	2050	$3,995	$1.95	5d	1	0.65mi
2910 N Ola Ave Unit 1300725P Tampa, FL	3.0	2.0	2206	$4,334	$1.96	3d	1	0.69mi
1108 E Chelsea St Tampa, FL	3.0	2.0	1637	$3,250	$1.99	24d	1	0.80mi
4501 N Highland Ave Unit Main House Tampa, FL	4.0	2.0	1500	$3,300	$2.20	16d	1	0.81mi
210 W Columbus Dr Tampa, FL	4.0	4.0	2450	$5,795	$2.37	24d	1	0.83mi
1520 E 21st Ave Tampa, FL	3.0	2.0	1671	$2,350	$1.41	17d	1	0.87mi
4012 N Munro St Tampa, FL	3.0	2.0	1486	$3,850	$2.59	24d	1	0.96mi
815 W Plymouth St Tampa, FL	3.0	2.0	1554	$2,395	$1.54	3d	1	0.99mi
815 W Plymouth St Tampa, FL	3.0	2.0	1554	$2,395	$1.54	11d	1	0.99mi
405 W Frances Ave Tampa, FL	3.0	2.0	1750	$3,350	$1.91	3d	1	1.01mi
309 W Osborne Ave Tampa, FL	3.0	1.5	1462	$3,300	$2.26	24d	1	1.01mi
2110 N Ola Ave Tampa, FL	1.0–3.0	1.0–2.5	1106	$4,242	$3.84	2d	19	1.08mi
1808 E Columbus Dr #5 Tampa, FL	2.0	2.5	1620	$1,900	$1.17	3d	1	1.17mi
2708 N 19th St Tampa, FL	3.0	2.0	1680	$2,200	$1.31	17d	1	1.20mi
1012 W Adalee St Tampa, FL	3.0	2.0	1700	$2,945	$1.73	17d	1	1.25mi
2603 N Ridgewood Ave Tampa, FL	3.0	2.0	2336	$4,250	$1.82	15d	1	1.26mi
2904 Banza St Tampa, FL	4.0	3.0	2031	$3,200	$1.58	24d	1	1.26mi
1218 E Kay St #8 Tampa, FL	3.0	3.5	2109	$5,000	$2.37	18d	1	1.27mi
2203 E 23rd Ave Tampa, FL	4.0	2.5	1880	$2,900	$1.54	18d	1	1.29mi
914 W Cimmeron Dr Tampa, FL	2.0	2.0	1763	$4,250	$2.41	24d	1	1.36mi
4314 N River View Ave Tampa, FL	3.0	2.5	2090	$3,000	$1.44	15d	1	1.43mi
4314 N River View Ave Tampa, FL	3.0	2.5	2090	$3,000	$1.44	22d	1	1.43mi
506 E Mohawk Ave Tampa, FL	4.0	3.0	2452	$5,100	$2.08	24d	1	1.46mi
5205 N Boulevard Tampa, FL	1.0–3.0	1.0–2.0	1175	$2,241	$1.91	3d	17	1.47mi

Listing history 16 events

1. 2026-06-07
   days on market $5,000 Active 10 DOM
2. 2026-06-04
   days on market $5,000 Active 7 DOM
3. 2026-06-03
   days on market $5,000 Active 6 DOM
4. 2026-06-02
   days on market $5,000 Active 5 DOM
5. 2026-06-01
   days on market $5,000 Active 4 DOM
6. 2026-05-31
   days on market $5,000 Active 3 DOM
7. 2026-05-28
   listed $5,000 Active
8. 2017-06-14
   historical
9. 2017-05-20
   status Active
10. 2017-04-03
    historical
11. 2017-03-03
    price $170,000
12. 2017-03-02
    status Active
13. 2017-02-21
    status Pending
14. 2017-01-24
    status Active
15. 2017-01-16
    status Pending
16. 2016-12-31
    listed $189,900 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone A · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $39,907
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$1,528
• − Repairs & maintenance: −$3,193
• − Management: −$3,193
• − Depreciation: −$145
• Taxable income: $31,494
• Est. tax owed @ 24.0%: −$7,559
• After-tax cash flow: $22,051/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): 19,869
• Household income: $74,081
• Rent vs Own: 41.7% rent · 58.3% own
• Severe rent burden: 800.0

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 0.67)
• Race & ethnicity: White 44% Hispanic / Latino 33% Two or more races 22% Black 17%
• Hispanic origin (detail): Mexican 1% Puerto Rican 7% Cuban 15% Dominican 1%
• Common ancestry: Italian 3% Romanian 2% Slovak 2%
• Foreign-born: 18% · Canada, Jamaica
• Languages at home: 74% English-only · Spanish 25%

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: ▼ -256.57%
• Current HPI: 467.4179
• Rent YoY: ▼ -1.33%
• 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

-97.4% since first listed

10 events — show timeline

• 2026-05-28 Listed $5,000 NFMLS
• 2017-06-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-05-20 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-04-03 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-03-03 Price Changed $170,000 Stellar MLS as Distributed by MLS Grid
• 2017-03-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-02-21 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-01-24 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-01-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-12-31 Listed $189,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+18.3%/yr

Latest (2025): $5,003 · +11.7% YoY. Source: county tax records.