10019 N 52nd St · Temple Terrace, FL 33617

$240,000

3 bd · 3.0 ba · 1,776 sqft · Townhouse public records · 2 Days on market

Built 1970 1,823 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 +20.4/30.0
• ARV discount +7.5/15.0
• DSCR +6.5/10.0
• 1% rule +4.3/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks

One or more photo(s) has been virtually staged. NO HOA Spacious 3 bedroom and 3 full bathrooms. Townhome excellent location very close to Busch Gardens, restaurants, shopping and the University of Florida. Plenty of Parking in the front and a garden/ lawn area in the back. Very large primary bedroom with private bathroom. Spacious 2nd and 3rd bedrooms. Great open Kitchen!. Home or investment, this is a great no HOA townhome location.

Key facts

• Plenty of parking
• Garden lawn area
• Private bathroom

Tags

• PLENTY OF PARKING
• GARDEN LAWN AREA
• PRIVATE BATHROOM

Property features AI

Finance

• Other: Homestead exempt; No CDD; Unfurnished
• Financial info: Taxes and other financial details available but excluded
• HOA & community: No association fees listed (association fee includes: None); Community playground

Exterior

• Parking: Parking details not provided
• Security: Security features not specified
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Residential townhouse; Two stories; Faces west; Entry level information not specified
• Construction: Block construction; Shingle roof; Slab foundation; Building area reported as 1,906 total; living area reported as 1,776
• Exterior features: Paved road access; Lot of about 0.04 acres (under 1/4 acre)

Interior

• Kitchen: Range; Refrigerator; Dishwasher not listed
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Other interior features; 11 total rooms
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath townhouse listed at $240k.

Deal economics

• At list price, monthly cash flow is $313 ($4k/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 $222k (7.5% below list).
• Recommended offer: $222k (7.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 80/100 on livability (#123 in FL, #1,870 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, cost of living A-; Watch: crime D+, amenities 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.
• Market conditions: Rents soft (-0.3%/yr); 282 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals at typical pace (median 16d 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 $2,221/mo this rent would consume 52% of the median local household income ($51k/yr) (locally 3295% 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 $2k of loan paydown is wiped out by about $7k 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

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $115k; list at $240k implies a 109% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: 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 $222,060 (7.5% below list)

Questions for the listing agent

1. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.93% ✗
• Cap rate: 7.86%
• Cash-on-cash: 5.59%
• DSCR: 1.25
• GRM: 9.0

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: -10.7%
• Equity multiple: 0.62×
• Total profit: $-25,559
• Equity at exit: $35,785

10-year hold

• IRR: -5.8%
• Equity multiple: 0.67×
• Total profit: $-22,138
• Equity at exit: $20,751

Cash invested: $67,200 (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.

Methodology + full state rankings →

ZIP-level market 33617

• Rents YoY: -0.3%
• Active inventory: 282
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $2,221 high
• Mortgage (P&I): −$1,259
• Tax from tax record: −$83 /mo · $991/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$466
• Net cashflow: $313

Break-even live

Break-even rent $1,824

Max offer price $240,000

Occupancy floor 81%

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: $60,000
• Closing costs: $7,200
• Reserves months: —
• Total cash needed: —

Rent comps 35 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10017 N 53rd St Temple Terrace, FL	2.0	1.5	1300	$1,750	$1.35	24d	1	0.09mi
9805 N 53rd St Temple Terrace, FL	3.0	2.0	1474	$2,295	$1.56	3d	1	0.15mi
10605 N 56th St Temple Terrace, FL	2.0–3.0	1.0–2.5	1212	$1,895	$1.56	3d	5	0.45mi
10928 Le Jardin Cir Apt 101 Temple Terrace, FL	3.0	2.0	1385	$1,890	$1.36	11d	1	0.46mi
5039 Chalet Ct Tampa, FL	1.0–3.0	1.0–2.0	1187	$2,005	$1.69	2d	13	0.53mi
5008 E Liberty St Tampa, FL	3.0	2.5	1935	$3,000	$1.55	18d	1	0.55mi
11110 N 56th St Temple Terrace, FL	1.0–2.0	1.0–2.5	1130	$1,795	$1.59	18d	5	0.56mi
4729 E 98th Ave Tampa, FL	3.0	2.0	1968	$2,995	$1.52	24d	1	0.59mi
9811 N Connechusett Rd Tampa, FL	3.0	2.0	1485	$2,185	$1.47	16d	1	0.69mi
8740 Grove Ter Tampa, FL	2.0	1.0–2.0	1125	$1,350	$1.20	24d	10	0.69mi
10410 N Ojus Dr Tampa, FL	4.0	2.0	1637	$2,200	$1.34	24d	1	0.70mi
11325 N 50th St Tampa, FL	1.0–3.0	1.0–2.0	975	$2,013	$2.06	15d	1	0.75mi
8901 Bertha Palmer Blvd Tampa, FL	1.0–3.0	1.0–2.0	973	$2,467	$2.53	3d	16	0.75mi
11301 N 53rd St Temple Terrace, FL	2.0–3.0	2.0	1242	$1,890	$1.52	3d	3	0.77mi
6121 Whiteway Dr Temple Terrace, FL	4.0	2.0	2176	$2,895	$1.33	22d	1	0.80mi
518 Crestover Dr Temple Terrace, FL	4.0	3.0	2078	$3,500	$1.68	3d	1	0.83mi
5008 Sierra Pl Tampa, FL	3.0	2.0	1461	$2,161	$1.48	15d	1	0.99mi
8412 Rio Bravo Ct Tampa, FL	1.0–3.0	1.0–2.5	1014	$1,619	$1.60	24d	1	1.01mi
4406 E Mango Ter Tampa, FL	2.0	1.0	1680	$1,499	$0.89	24d	1	1.17mi
5116 E 122nd Ave Temple Terrace, FL	4.0	3.0	2500	$2,990	$1.20	24d	1	1.20mi
8810 N Orangeview Ave Tampa, FL	3.0	2.0	1495	$2,448	$1.64	22d	1	1.27mi
5709 Las Ventanas Dr Tampa, FL	3.0–4.0	3.5	1550	$1,995	$1.29	5d	4	1.28mi
11830 Skylake Pl #12 Temple Terrace, FL	2.0	2.0	1350	$1,695	$1.26	5d	1	1.28mi
5114 Sunridge Palms Dr Tampa, FL	3.0	2.5	1368	$1,950	$1.43	24d	1	1.29mi
4203 E Yukon St Tampa, FL	4.0	2.0	1596	$2,375	$1.49	15d	1	1.33mi
4203 E Yukon St Tampa, FL	4.0	2.0	1596	$2,375	$1.49	22d	1	1.33mi
10420 McKinley Dr Tampa, FL	1.0–3.0	1.0–2.5	1347	$2,379	$1.77	1d	81	1.33mi
5001 Sunridge Palms Dr Tampa, FL	3.0	3.5	2075	$2,590	$1.25	18d	1	1.35mi
11702 Moffat Ave Unit 1380467P Tampa, FL	3.0	2.0	1517	$3,470	$2.29	2d	1	1.38mi
5052 Sunridge Palms Dr #104 Tampa, FL	2.0	2.5	1405	$2,100	$1.49	18d	1	1.39mi
5028 Sunridge Palms Dr Tampa, FL	3.0	4.0	1844	$2,250	$1.22	24d	1	1.42mi
7002 Ponderosa Dr Tampa, FL	3.0	2.0	1246	$1,899	$1.52	3d	1	1.44mi
6010 Soaring Ave Unit 1053149P Tampa, FL	4.0	3.0	2454	$6,645	$2.71	14d	1	1.47mi
5003 Puritan Rd Tampa, FL	3.0	2.0	1469	$2,000	$1.36	5d	1	1.47mi
5138 Puritan Cir Tampa, FL	3.0	2.0	1757	$2,550	$1.45	24d	1	1.49mi

Listing history 5 events

1. 2026-05-20
   status Pending
2. 2026-05-18
   listed $240,000 Active
3. 2018-07-02
   soldstatus $115,000
4. 2000-08-28
   soldstatus $69,000
5. 1999-10-11
   soldstatus $57,500

ⓘ 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: $991 · $83/mo
• Projected year-2 tax: $1,992 · $166/mo
• Expected delta: +$1,001/yr (+$83/mo · 100.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°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: $26,647
• − Mortgage interest: −$13,444
• − Property taxes: −$991
• − Insurance: −$1,200
• − Repairs & maintenance: −$2,132
• − Management: −$2,132
• − Depreciation: −$6,982
• Taxable loss: −$233
• Est. tax savings @ 24.0%: +$56
• After-tax cash flow: $3,813/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 — Temple Terrace

• Score: 80/100
• State rank: #123
• US rank: #1870

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple Terrace, FL
• County: Hillsborough County · 1,540,968 people
• City population: 65,509
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 47,851
• Household income: $50,948
• Rent vs Own: 56.8% rent · 43.2% own
• Severe rent burden: 3295.0

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: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: Black 36% White 33% Hispanic / Latino 23% Two or more races 14% Asian 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 7% Cuban 4% Dominican 2%
• Common ancestry: Hispanic 3% Lithuanian 1% Romanian 1%
• Foreign-born: 17% · Canada, Vietnam, Jamaica
• Languages at home: 74% English-only · Spanish 15% Arabic 3% French/Haitian/Cajun 3%

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: ▼ -243.20%
• Current HPI: 352.4572
• Rent YoY: ▼ -0.33%
• 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

+317.4% since first listed

5 events — show timeline

• 2026-05-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-18 Listed $240,000 Stellar MLS as Distributed by MLS Grid
• 2018-07-02 Sold (Public Records) $115,000 Public Records
• 2000-08-28 Sold (Public Records) $69,000 Public Records
• 1999-10-11 Sold (Public Records) $57,500 Public Records

Property tax history

+16.0%/yr

Latest (2025): $991 · +11.0% YoY. Source: county tax records.