2703 Moody Ave · Plant City, FL 33563

$180,000

3 bd · 1.0 ba · 1,142 sqft · SingleFamily public records · 153 Days on market

Built 1936 6,396 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 +19.8/30.0
• ARV discount +7.5/15.0
• DSCR +6.3/10.0
• 1% rule +5.1/10.0
• Schools +4.2/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Significant Price Adjustment. This antique home offers great bones and incredible potential for the right vision. With 1,142 heated square feet, 3 bedrooms, and 1 bath, it’s a fantastic opportunity to turn a classic property into your dream home—all at a great price. As a unique bonus, earn extra income during Strawberry Festival days by offering parking. This home is ready for a new buyer.

Key facts

• 6,396 sq ft lot
• Built 1936
• Listed 153 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $214 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $180k).
• Recommended offer: $158k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 76/100 on livability (#227 in FL, #3,587 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: employment C-, schools D+, commute 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 (-0.6%/yr); 181 active listings in the ZIP; 21 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).
• This rent runs 36% of the median local income ($60k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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 153 days — a 12% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 17y ago; this cycle's ask has dropped $21k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $100k; list at $180k implies a 80% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1936 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $158,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 153 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1936 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.01% ✓
• Cap rate: 7.72%
• Cash-on-cash: 5.08%
• DSCR: 1.23
• GRM: 8.3

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: -11.8%
• Equity multiple: 0.59×
• Total profit: $-20,865
• Equity at exit: $26,839

10-year hold

• IRR: -7.7%
• Equity multiple: 0.58×
• Total profit: $-21,125
• Equity at exit: $15,563

Cash invested: $50,400 (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 33563

• Home prices YoY: -23.2%
• Rents YoY: -0.6%
• Active inventory: 181
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,811 high
• Mortgage (P&I): −$944
• Tax from tax record: −$198 /mo · $2,380/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$380
• Net cashflow: $214

Break-even live

Break-even rent $1,541

Max offer price $180,000

Occupancy floor 83%

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
24 Euclid Dr Plant City, FL	2.0	1.0	704	$1,500	$2.13	21d	1	0.26mi
3506 Walter Ct Plant City, FL	3.0	1.0	1206	$1,795	$1.49	4d	1	0.59mi
1802 W House St Unit B Plant City, FL	2.0	1.0	800	$1,640	$2.05	4d	1	0.74mi
1712 W House St Unit B Plant City, FL	2.0	1.0	1500	$1,200	$0.80	16d	1	0.75mi
3817 Creek Way Ct Plant City, FL	3.0	2.0	1149	$2,099	$1.83	24d	1	0.91mi
603 N Dort St Plant City, FL	1.0–2.0	1.0–2.0	975	$1,699	$1.74	1d	11	0.97mi
603 N Dort St Unit 1106-H Plant City, FL	2.0	1.5	1100	$1,699	$1.54	14d	1	0.97mi
603 N Dort St Unit 1306-2B Plant City, FL	2.0	1.0	900	$1,449	$1.61	21d	1	0.97mi
603 N Dort St Unit 609-A Plant City, FL	2.0	2.0	1200	$1,699	$1.42	10d	1	0.97mi
603 N Dort St Unit 1106-E Plant City, FL	2.0	1.5	1100	$1,699	$1.54	24d	1	0.97mi
1204 W Alsobrook St Plant City, FL	2.0	1.0	1218	$1,750	$1.44	24d	1	1.03mi
111 Pearl St Plant City, FL	2.0	1.0	850	$1,500	$1.76	24d	1	1.07mi
105 N Davis St Unit 1 Plant City, FL	3.0	1.0	1300	$1,400	$1.08	24d	1	1.11mi
1211 Goldfinch Dr Plant City, FL	1.0–2.0	1.0	770	$1,614	$2.10	1d	12	1.13mi
530 Scarlet Maple Ct Plant City, FL	3.0	2.0	1119	$1,899	$1.70	2d	1	1.18mi
809 1/2 W Warren St Plant City, FL	3.0	2.0	947	$1,650	$1.74	24d	1	1.23mi
4522 Reynolds Creek Ave Plant City, FL	3.0	2.0	1172	$1,979	$1.69	16d	1	1.35mi
507 W Baker St Plant City, FL	2.0	1.0	1000	$1,199	$1.20	24d	1	1.41mi
411 Abigail Rd Plant City, FL	3.0	2.0	1309	$1,933	$1.48	1d	1	1.45mi
501 W Ball St Unit 705-13 Plant City, FL	2.0	1.0	780	$1,499	$1.92	21d	1	1.48mi
501 W Ball St Unit 609-02 Plant City, FL	2.0	1.0	780	$1,499	$1.92	3d	1	1.48mi

Listing history 26 events

1. 2026-06-18
   days on market $180,000 Active 153 DOM
2. 2026-06-17
   days on market $180,000 Active 152 DOM
3. 2026-06-16
   days on market $180,000 Active 151 DOM
4. 2026-06-15
   statusdays on market $180,000 Active 150 DOM
5. 2026-06-07
   remarks 433-char remark
6. 2026-06-07
   status $180,000 Pending 149 DOM
7. 2026-06-04
   days on market $180,000 Active 149 DOM
8. 2026-06-03
   days on market $180,000 Active 148 DOM
9. 2026-06-02
   days on market $180,000 Active 147 DOM
10. 2026-06-01
    days on market $180,000 Active 146 DOM
11. 2026-05-31
    days on market $180,000 Active 145 DOM
12. 2026-04-10
    price $180,000 405-char remark

    Show marketing remark (405 chars)

    Significant Price Adjustment. This antique home offers great bones and incredible potential for the right vision. With 1,142 heated square feet, 3 bedrooms, and 1 bath, it’s a fantastic opportunity to turn a classic property into your dream home—all at a great price. As a unique bonus, earn extra income during Strawberry Festival days by offering parking. This home is ready for a new buyer.

13. 2026-03-10
    price $195,900 405-char remark

    Show marketing remark (405 chars)

    Significant Price Adjustment. This antique home offers great bones and incredible potential for the right vision. With 1,142 heated square feet, 3 bedrooms, and 1 bath, it’s a fantastic opportunity to turn a classic property into your dream home—all at a great price. As a unique bonus, earn extra income during Strawberry Festival days by offering parking. This home is ready for a new buyer.

14. 2026-01-06
    listed $200,900 Active 405-char remark

    Show marketing remark (405 chars)

    Significant Price Adjustment. This antique home offers great bones and incredible potential for the right vision. With 1,142 heated square feet, 3 bedrooms, and 1 bath, it’s a fantastic opportunity to turn a classic property into your dream home—all at a great price. As a unique bonus, earn extra income during Strawberry Festival days by offering parking. This home is ready for a new buyer.

15. 2018-12-04
    soldstatus $100,000
16. 2018-12-03
    soldstatus $100,000 Sold 910-char remark

    Show marketing remark (910 chars)

    3 Bedroom/1 Bath Bungalow in the heart of Plant City is ready for your personal touch to make it home. A little bit country, a little bit rock n roll, this adorable bungalow is close to the Strawberry Festival Fairground and historic downtown Plant City and only minutes to the interstate system and local attractions such as Keel and Curly Winery and Dinosaur World. If you're a vintage home lover, you'll enjoy original details including wooden windows, doors and floors as well as built in storage space. The home has been recently painted in a neutral, stylish grey. Other updates include newer roof, appliances, water heater and air conditioning unit all installed in 2014 and a newer back porch built in 2016. You'll also love the subway tile in the bathroom in classic white and the ample backyard crowned with a gorgeous mature oak tree. Don't hesitate. Make an appointment for a private showing today!

17. 2018-11-20
    status Pending 910-char remark

    Show marketing remark (910 chars)

    3 Bedroom/1 Bath Bungalow in the heart of Plant City is ready for your personal touch to make it home. A little bit country, a little bit rock n roll, this adorable bungalow is close to the Strawberry Festival Fairground and historic downtown Plant City and only minutes to the interstate system and local attractions such as Keel and Curly Winery and Dinosaur World. If you're a vintage home lover, you'll enjoy original details including wooden windows, doors and floors as well as built in storage space. The home has been recently painted in a neutral, stylish grey. Other updates include newer roof, appliances, water heater and air conditioning unit all installed in 2014 and a newer back porch built in 2016. You'll also love the subway tile in the bathroom in classic white and the ample backyard crowned with a gorgeous mature oak tree. Don't hesitate. Make an appointment for a private showing today!

18. 2018-11-13
    listed $118,900 Active 910-char remark

    Show marketing remark (910 chars)

    3 Bedroom/1 Bath Bungalow in the heart of Plant City is ready for your personal touch to make it home. A little bit country, a little bit rock n roll, this adorable bungalow is close to the Strawberry Festival Fairground and historic downtown Plant City and only minutes to the interstate system and local attractions such as Keel and Curly Winery and Dinosaur World. If you're a vintage home lover, you'll enjoy original details including wooden windows, doors and floors as well as built in storage space. The home has been recently painted in a neutral, stylish grey. Other updates include newer roof, appliances, water heater and air conditioning unit all installed in 2014 and a newer back porch built in 2016. You'll also love the subway tile in the bathroom in classic white and the ample backyard crowned with a gorgeous mature oak tree. Don't hesitate. Make an appointment for a private showing today!

19. 2010-06-21
    listed $30,000
20. 2009-12-02
    listed $50,000
21. 2000-12-04
    soldstatus $35,800
22. 1995-05-23
    soldstatus $30,300
23. 1995-05-23
    soldstatus $30,300
24. 1989-10-01
    soldstatus $36,500
25. 1987-04-01
    soldstatus $33,000
26. 1986-06-01
    soldstatus $26,500

ⓘ 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: $2,380 · $198/mo
• Projected year-2 tax: $2,380 · $198/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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,734
• − Mortgage interest: −$10,083
• − Property taxes: −$2,380
• − Insurance: −$900
• − Repairs & maintenance: −$1,739
• − Management: −$1,739
• − Depreciation: −$5,236
• Taxable loss: −$343
• Est. tax savings @ 24.0%: +$82
• After-tax cash flow: $2,645/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 — Plant City

• Score: 76/100
• State rank: #227
• US rank: #3587

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Plant City, FL
• County: Hillsborough County · 1,540,968 people
• City population: 68,525
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 25,896
• Household income: $60,131
• Rent vs Own: 36.9% rent · 63.1% own
• Severe rent burden: 932.0

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 0.64)
• Race & ethnicity: White 43% Hispanic / Latino 39% Black 15% Two or more races 15% Native American 2%
• Hispanic origin (detail): Mexican 24% Puerto Rican 5% Cuban 1%
• Common ancestry: Lithuanian 2% Italian 1% Slovak 1%
• Foreign-born: 16% · Canada, Jamaica
• Languages at home: 66% English-only · Spanish 34%

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: ▼ -103.29%
• Current HPI: 342.5789
• Rent YoY: ▼ -0.57%
• 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

+579.2% since first listed

15 events — show timeline

• 2026-04-10 Price Changed $180,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Price Changed $195,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-06 Listed $200,900 Stellar MLS as Distributed by MLS Grid
• 2018-12-04 Sold (Public Records) $100,000 Public Records
• 2018-12-03 Sold (MLS) $100,000 Stellar MLS as Distributed by MLS Grid
• 2018-11-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-11-13 Listed $118,900 Stellar MLS as Distributed by MLS Grid
• 2010-06-21 Listed $30,000 Stellar MLS as Distributed by MLS Grid
• 2009-12-02 Listed $50,000 Stellar MLS as Distributed by MLS Grid
• 2000-12-04 Sold (Public Records) $35,800 Public Records
• 1995-05-23 Sold (Public Records) $30,300 Public Records
• 1995-05-23 Sold (Public Records) $30,300 Public Records
• 1989-10-01 Sold (Public Records) $36,500 Public Records
• 1987-04-01 Sold (Public Records) $33,000 Public Records
• 1986-06-01 Sold (Public Records) $26,500 Public Records

Property tax history

+33.8%/yr

Latest (2025): $2,380 · +3.1% YoY. Source: county tax records.