8316 N Klondyke St · Tampa, FL 33604

$169,900

3 bd · 1.0 ba · 760 sqft · SingleFamily public records · 92 Days on market

Built 1930 5,000 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 +22.6/30.0
• ARV discount +7.5/15.0
• DSCR +7.2/10.0
• 1% rule +5.5/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Bring all offers! Handyman special! Quaint house looking for the right person to fix it up! There is value in the land alone! Do not miss out on this opportunity!

Key facts

• New vanity
• Updated bath
• Stylish backsplash

Tags

• FRONT PORCH
• LVP FLOORING
• STYLISH BACKSPLASH
• UPDATED BATH
• NEW FIXTURES
• NEW VANITY

Property features AI

Finance

• Other: Property zoned RS-50; Lot approximately 50 x 100 (0.11 acre)

Exterior

• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single family residence; One story; East facing entry
• Construction: Frame construction; Shingle roof; Built on crawlspace
• Exterior features: Private mailbox; Asphalt road access

Interior

• Kitchen: Range; Range hood; Refrigerator
• Bedrooms: 2 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Window treatments
• Laundry & utility: Washer hookup; Electric dryer hookup; Crawlspace foundation (utility access)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $288 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Recommended offer: $155k (9.0% below list) — sets the bar for market timing.

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 flat; 368 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 ($59k/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 92 days — a 9% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 22y ago; this cycle's ask has dropped $30k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $100; list at $170k implies a 169800% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $154,609 (9.0% below list)

Questions for the listing agent

1. It's been on market 92 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1930 — 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. 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?
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: 1.05% ✓
• Cap rate: 8.33%
• Cash-on-cash: 7.27%
• DSCR: 1.32
• GRM: 7.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.52% rent growth · sell at horizon

5-year hold

• IRR: -7.9%
• Equity multiple: 0.72×
• Total profit: $-13,509
• Equity at exit: $25,333

10-year hold

• IRR: -1.8%
• Equity multiple: 0.89×
• Total profit: $-5,082
• Equity at exit: $14,690

Cash invested: $47,572 (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 33604

• Home prices YoY: -31.3%
• Rents YoY: 0.5%
• Active inventory: 368
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,782 high
• Mortgage (P&I): −$891
• Tax from tax record: −$158 /mo · $1,890/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $288

Break-even live

Break-even rent $1,417

Max offer price $169,900

Occupancy floor 79%

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8416 N Brooks St Tampa, FL	3.0	2.0	1090	$1,900	$1.74	11d	1	0.11mi
8210 N 13th St Tampa, FL	2.0	1.0	995	$1,895	$1.90	5d	1	0.13mi
8304 N Mulberry St Tampa, FL	3.0	1.0	858	$1,650	$1.92	5d	1	0.15mi
8506 N Brooks St Unit A Tampa, FL	3.0	1.0	1004	$1,950	$1.94	11d	1	0.18mi
8105 N Klondyke St Unit A- Tampa, FL	2.0	1.0	720	$1,200	$1.67	3d	1	0.24mi
8105 N 12th St Tampa, FL	2.0	1.0	874	$1,650	$1.89	24d	1	0.24mi
8117 N Mulberry St Unit B Tampa, FL	3.0	1.0	800	$2,750	$3.44	22d	1	0.25mi
8117 N Mulberry St Unit B Tampa, FL	3.0	1.0	800	$1,987	$2.48	5d	1	0.25mi
8118 N Alaska St Tampa, FL	2.0	1.0	700	$1,500	$2.14	3d	1	0.26mi
8419 N Semmes St Tampa, FL	3.0	1.0	864	$1,750	$2.03	24d	1	0.28mi
8213 N 17th St Tampa, FL	3.0	1.0	880	$1,800	$2.05	24d	1	0.35mi
8218 N Elmer St Unit B Tampa, FL	2.0	1.0	756	$1,400	$1.85	24d	1	0.37mi
8307 N Elmer St Tampa, FL	3.0	1.0	1030	$1,919	$1.86	3d	1	0.38mi
8004 N Alaska St Tampa, FL	2.0	1.0	844	$1,595	$1.89	24d	1	0.38mi
7903 N 13th St Tampa, FL	2.0	1.0	648	$1,199	$1.85	5d	1	0.39mi
8619 N Mulberry St Unit A Tampa, FL	2.0	1.0	742	$1,350	$1.82	24d	1	0.40mi
1500 E Humphrey St Tampa, FL	2.0	1.5–2.0	858	$1,772	$2.07	24d	1	0.42mi
1503 E Humphrey St Apt D Tampa, FL	2.0	1.5	850	$1,750	$2.06	24d	1	0.44mi
1502 E Humphrey St Apt C Tampa, FL	2.0	1.5	850	$1,750	$2.06	24d	1	0.44mi
1505 E Humphrey St Apt A Tampa, FL	2.0	1.5	850	$1,750	$2.06	24d	1	0.45mi
1508 E Humphrey St Apt B Tampa, FL	2.0	1.5	850	$1,750	$2.06	24d	1	0.46mi
1504 E Humphrey St Apt D Tampa, FL	2.0	1.5	850	$1,750	$2.06	24d	1	0.46mi
1506 E Humphrey St Apt B Tampa, FL	2.0	1.5	850	$1,750	$2.06	24d	1	0.47mi
1709 E Idell St Unit B Tampa, FL	3.0	1.0	857	$1,500	$1.75	3d	1	0.48mi
1809 E Sitka St Tampa, FL	3.0	2.0	1115	$1,840	$1.65	15d	1	0.50mi
1607 E Maple Ave Tampa, FL	3.0	2.0	1061	$1,500	$1.41	22d	1	0.53mi
1607 E Maple Ave Tampa, FL	3.0	2.0	1061	$1,500	$1.41	24d	1	0.53mi
1601 E Marks Dr Tampa, FL	2.0	1.0	700	$1,490	$2.13	24d	1	0.59mi
8618 N 20th St Tampa, FL	3.0	2.0	1064	$2,011	$1.89	5d	1	0.61mi
7717 N Huntley Ave Tampa, FL	2.0	1.0	692	$1,425	$2.06	3d	1	0.66mi
7707 N Huntley Ave Unit 7707-5 Tampa, FL	2.0	1.0	655	$1,325	$2.02	24d	1	0.67mi
1502 E Sewaha St Tampa, FL	2.0	1.0	784	$1,350	$1.72	14d	1	0.72mi
2014 E Humphrey St Tampa, FL	3.0	1.0	880	$1,690	$1.92	11d	1	0.75mi
9413 N Mulberry St Apt A Tampa, FL	2.0	1.0	692	$1,200	$1.73	5d	1	0.77mi
9412 N Elmer St Tampa, FL	3.0	1.0	922	$1,695	$1.84	5d	1	0.82mi
9606 N 15th St Tampa, FL	4.0	2.0	1000	$1,750	$1.75	24d	1	0.82mi
9313 N 20th St Tampa, FL	2.0	1.0	716	$1,595	$2.23	24d	1	0.87mi
1221 E Flora St Tampa, FL	2.0	1.0	931	$2,175	$2.34	18d	1	0.88mi
8505 N Tampa St Unit B Tampa, FL	2.0	1.0	812	$1,250	$1.54	15d	1	0.89mi
8505 N Tampa St Tampa, FL	2.0	1.0	812	$1,250	$1.54	12d	1	0.89mi

Listing history 41 events

1. 2026-06-15
   status $169,900 Pending 92 DOM
2. 2026-06-15
   days on market $169,900 Active 92 DOM
3. 2026-06-13
   days on market $169,900 Active 90 DOM
4. 2026-06-13
   days on market $169,900 Active 89 DOM
5. 2026-06-09
   days on market $169,900 Active 86 DOM
6. 2026-06-08
   days on market $169,900 Active 85 DOM
7. 2026-06-07
   statusdays on market $169,900 Active 84 DOM
8. 2026-05-07
   status Pending
9. 2026-05-01
   price $169,900
10. 2026-04-27
    price $172,900
11. 2026-04-16
    price $174,900
12. 2026-04-10
    price $179,900
13. 2026-04-01
    price $184,900
14. 2026-03-26
    price $189,900
15. 2026-03-19
    price $192,900
16. 2026-03-12
    price $194,900
17. 2026-02-13
    listed $199,900 Active
18. 2018-12-05
    soldstatus $100
19. 2017-02-20
    soldstatus $288,500
20. 2013-01-29
    historical
21. 2012-11-01
    listed $40,000
22. 2012-03-23
    soldstatus $10,000 166-char remark

    Show marketing remark (166 chars)

    Bring all offers! Handyman special! Quaint house looking for the right person to fix it up! There is value in the land alone! Do not miss out on this opportunity!

23. 2012-01-31
    listed $6,900 166-char remark

    Show marketing remark (166 chars)

    Bring all offers! Handyman special! Quaint house looking for the right person to fix it up! There is value in the land alone! Do not miss out on this opportunity!

24. 2008-08-01
    listed $75,000
25. 2007-01-24
    soldstatus $146,000
26. 2006-10-02
    soldstatus $70,000
27. 2005-07-26
    historical
28. 2005-07-19
    listed $84,900
29. 2004-10-01
    historical
30. 2004-05-28
    listed $83,000
31. 1995-12-21
    soldstatus $35,000
32. 1994-08-22
    soldstatus $25,000
33. 1993-10-29
    soldstatus $8,500
34. 1989-12-01
    soldstatus $31,000
35. 1989-06-01
    soldstatus $14,600
36. 1989-06-01
    soldstatus $33,600
37. 1986-10-01
    soldstatus $18,000
38. 1986-06-01
    soldstatus $35,500
39. 1984-07-01
    soldstatus $24,600
40. 1983-01-01
    soldstatus $25,200
41. 1980-10-01
    soldstatus $21,900

ⓘ 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: $1,890 · $158/mo
• Projected year-2 tax: $1,890 · $158/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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 27 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: $21,382
• − Mortgage interest: −$9,517
• − Property taxes: −$1,890
• − Insurance: −$850
• − Repairs & maintenance: −$1,711
• − Management: −$1,711
• − Depreciation: −$4,943
• Taxable income: $762
• Est. tax owed @ 24.0%: −$183
• After-tax cash flow: $3,278/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): 40,055
• Household income: $58,766
• Rent vs Own: 44.0% rent · 56.0% own
• Severe rent burden: 2581.0

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 0.69)
• Race & ethnicity: Hispanic / Latino 38% White 35% Two or more races 22% Black 21% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 11% Cuban 13% Dominican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 1%
• Foreign-born: 18% · Canada, Vietnam, Jamaica
• Languages at home: 66% English-only · Spanish 30% Vietnamese 1% French/Haitian/Cajun 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: ▼ -200.24%
• Current HPI: 439.7084
• Rent YoY: ▲ 0.52%
• 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

+675.8% since first listed

34 events — show timeline

• 2026-05-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-01 Price Changed $169,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $172,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-16 Price Changed $174,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-10 Price Changed $179,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Price Changed $184,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-26 Price Changed $189,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-19 Price Changed $192,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-12 Price Changed $194,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-13 Listed $199,900 Stellar MLS as Distributed by MLS Grid
• 2018-12-05 Sold (Public Records) $100 Public Records
• 2017-02-20 Sold (Public Records) $288,500 Public Records
• 2013-01-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2012-11-01 Listed $40,000 Stellar MLS as Distributed by MLS Grid
• 2012-03-23 Sold (MLS) $10,000 Stellar MLS as Distributed by MLS Grid
• 2012-01-31 Listed $6,900 Stellar MLS as Distributed by MLS Grid
• 2008-08-01 Listed $75,000 Stellar MLS as Distributed by MLS Grid
• 2007-01-24 Sold (Public Records) $146,000 Public Records
• 2006-10-02 Sold (Public Records) $70,000 Public Records
• 2005-07-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2005-07-19 Listed $84,900 Stellar MLS as Distributed by MLS Grid
• 2004-10-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2004-05-28 Listed $83,000 Stellar MLS as Distributed by MLS Grid
• 1995-12-21 Sold (Public Records) $35,000 Public Records
• 1994-08-22 Sold (Public Records) $25,000 Public Records
• 1993-10-29 Sold (Public Records) $8,500 Public Records
• 1989-12-01 Sold (Public Records) $31,000 Public Records
• 1989-06-01 Sold (Public Records) $33,600 Public Records
• 1989-06-01 Sold (Public Records) $14,600 Public Records
• 1986-10-01 Sold (Public Records) $18,000 Public Records
• 1986-06-01 Sold (Public Records) $35,500 Public Records
• 1984-07-01 Sold (Public Records) $24,600 Public Records
• 1983-01-01 Sold (Public Records) $25,200 Public Records
• 1980-10-01 Sold (Public Records) $21,900 Public Records

Property tax history

+16.3%/yr

Latest (2025): $1,890 · +13.4% YoY. Source: county tax records.