3305 Oakley Ave · St. Petersburg, FL 33712

$199,900

3 bd · 2.0 ba · 1,152 sqft · SingleFamily public records · 6 Days on market

Built 1960 2,592 sqft lot Est $296k · 32% under

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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 +23.4/30.0
• ARV discount +15.0/15.0
• DSCR +7.5/10.0
• 1% rule +5.9/10.0
• Schools +4.3/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Attention Investors, Opportunity knocks with this unique opportunity to protect your investment in these turbulent times. 2/1 Upstairs with brand new vinyl flooring and interior paint. Opportunities are endless with the 1/1 space downstairs for a home office, man cave, she shed, fitness or yoga studio. Downstairs space also includes full bathroom and laundry hook-ups. Close to bus lines, 34th St, and interstate. Come see this unicorn today before its too late. Multiple offers received,

Key facts

• 2,592 sq ft lot
• Built 1960
• Listed 6 days

Property features AI

Finance

• Other: Property type: Residential, single-family; Zoning: Residential; Lot dimensions approximately 50 x 52 (approx. 0.06 acres)
• Financial info: No lease restrictions
• HOA & community: No HOA; Street lights in the community; Pets allowed

Exterior

• Parking: No parking details provided
• Security: No security details provided
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Broadband/high-speed internet available; Sewer connected; Water connected
• Home design: Single Family Residence; One level; Faces south
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built within last century (exact year not provided)
• Exterior features: Lighting; Private mailbox; Chain link fencing; Concrete road/frontage

Interior

• Kitchen: Range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Ductless heating; Wall/window air conditioning units
• Interior features: Ceiling fans; Walk-in closets; Window treatments; Blinds
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $370 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Cap rate 8.5% vs local median 2.6% in St. Petersburg — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Fairmount Park Elementary School (math 21% / reading 15%, grade F, #2,115 of 2,144 statewide, top 99%, 500 students, 91% FRL); Gibbs High School (math 26% / reading 41%, grade F, #400 of 667 statewide, top 61%, 1,160 students, 64% FRL) — zoned schools average 78% FRL vs 48% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 26% at this address vs 51% district-wide (-25 pts) — the specific schools serving this property underperform the Pinellas average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.8%/yr); 204 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 43% 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 $6k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 13 sale attempts since 22y 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.
• Current owner paid $137k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $199,900

Questions for the listing agent

1. Built in 1960 — 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. 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.
4. 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.
5. 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: 1.09% ✓
• Cap rate: 8.52%
• Cash-on-cash: 7.94%
• DSCR: 1.35
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $296,064
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3227 Queensboro Ave S	0.16mi	3/2.0	1,144 (-1%)	2mo	$235,000	$205	90
3455 14th Ave S	0.16mi	4/2.0 (+1)	1,098 (-5%)	10mo	$282,500	$257	71
3730 18th Ter S	0.45mi	3/2.0	1,200 (+4%)	5mo	$315,000	$263	68
2551 17th Ave S	0.64mi	3/2.0	1,176 (+2%)	8mo	$345,000	$293	60
3720 18th Ave S	0.42mi	3/2.0	1,248 (+8%)	10mo	$239,000	$192	58
2487 15th Ave S	0.71mi	3/2.0	1,125 (-2%)	6mo	$285,000	$253	58
3632 15th Ave S	0.28mi	3/2.0	1,302 (+13%)	11mo	$325,000	$250	56
1742 31st St S	0.26mi	3/1.5	988 (-14%)	9mo	$264,855	$268	55
4100 18th Ave S	0.70mi	4/1.0 (+1)	1,164 (+1%)	6mo	$170,625	$147	52
4127 12th Ave S	0.71mi	3/1.0	1,032 (-10%)	0mo	$300,000	$291	45
3810 18th Ave S	0.51mi	3/2.0	986 (-14%)	9mo	$265,000	$269	45
2500 Erie St S	0.68mi	3/1.0	1,032 (-10%)	12mo	$238,000	$231	36

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -7.6%
• Equity multiple: 0.73×
• Total profit: $-15,193
• Equity at exit: $29,806

10-year hold

• IRR: -2.3%
• Equity multiple: 0.87×
• Total profit: $-7,521
• Equity at exit: $17,284

Cash invested: $55,972 (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 33712

• Rents YoY: -0.8%
• Active inventory: 204
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $2,183 high
• Mortgage (P&I): −$1,048
• Tax from tax record: −$223 /mo · $2,670/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$458
• Net cashflow: $370

Break-even live

Break-even rent $1,714

Max offer price $199,900

Occupancy floor 78%

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3089 15th Ave S Saint Petersburg, FL	3.0	2.0	1000	$2,195	$2.19	4d	1	0.19mi
3091 15th Ave S St. Petersburg, FL	3.0	2.0	1000	$2,195	$2.19	24d	1	0.19mi
1227 Fargo St S Unit 1 St. Petersburg, FL	2.0	1.0	780	$1,600	$2.05	24d	1	0.20mi
1147 32nd St S Saint Petersburg, FL	2.0	1.0	780	$1,350	$1.73	14d	1	0.25mi
3603 16th Ave S Saint Petersburg, FL	4.0	2.0	1235	$3,000	$2.43	4d	1	0.27mi
3535 14th Ave S Saint Petersburg, FL	3.0	1.0	768	$1,650	$2.15	4d	1	0.28mi
1901 31st St S Unit 1/2 St. Petersburg, FL	2.0	1.0	721	$1,950	$2.70	3d	1	0.32mi
3246 20th Ave S Saint Petersburg, FL	2.0	1.0	864	$1,795	$2.08	24d	1	0.35mi
1361 29th St S Saint Petersburg, FL	3.0	1.0	819	$2,400	$2.93	24d	1	0.36mi
1665 37th St S Saint Petersburg, FL	3.0	1.0	867	$1,850	$2.13	10d	1	0.36mi
2728 14th Ave S St. Petersburg, FL	3.0	2.0	1257	$2,100	$1.67	7d	1	0.46mi
1642 39th St S Saint Petersburg, FL	3.0	1.0	975	$1,995	$2.05	20d	1	0.48mi
1734 39th St S Saint Petersburg, FL	4.0	2.0	1152	$2,000	$1.74	24d	1	0.49mi
1827 Auburn St S Saint Petersburg, FL	3.0	1.0	1056	$1,855	$1.76	4d	1	0.56mi
2547 14th Ave S Saint Petersburg, FL	2.0	1.0	726	$2,800	$3.86	4d	1	0.63mi
2710 22nd Ave S Saint Petersburg, FL	3.0	1.0	1083	$2,450	$2.26	4d	1	0.65mi
4029 13th Ave S St Petersburg, FL	3.0	2.0	1152	$2,650	$2.30	24d	1	0.66mi
626 31st St S Saint Petersburg, FL	3.0	1.0	1040	$2,200	$2.12	3d	1	0.67mi
2900 Freemont Ter S Saint Petersburg, FL	3.0	3.0	1376	$2,560	$1.86	4d	1	0.71mi
1930 Walton St S Saint Petersburg, FL	3.0	1.0	814	$2,000	$2.46	4d	1	0.78mi
1628 43rd St S Saint Petersburg, FL	3.0	2.0	1045	$2,100	$2.01	24d	1	0.78mi
2410 18th Ave S Saint Petersburg, FL	4.0	1.0	927	$1,895	$2.04	4d	1	0.78mi
2510 38th St S Saint Petersburg, FL	3.0	1.5	1104	$2,340	$2.12	4d	1	0.79mi
2510 38th St S Saint Petersburg, FL	3.0	1.5	1104	$2,340	$2.12	23d	1	0.79mi
2423 Auburn St S Saint Petersburg, FL	3.0	2.0	1057	$1,650	$1.56	24d	1	0.79mi
2425 Auburn St S Saint Petersburg, FL	3.0	2.0	1092	$2,195	$2.01	4d	1	0.80mi
1543 43rd St S Saint Petersburg, FL	4.0	2.0	1198	$3,495	$2.92	4d	1	0.82mi
4327 17th Ave S Saint Petersburg, FL	2.0	1.0	880	$2,500	$2.84	24d	1	0.85mi
2245 17th Ave S Saint Petersburg, FL	4.0	2.0	1058	$2,400	$2.27	4d	1	0.86mi
1327 43rd St S Saint Petersburg, FL	3.0	1.5	959	$2,250	$2.35	4d	1	0.86mi
3145 4th Ave S St. Petersburg, FL	2.0	1.5	938	$2,020	$2.15	24d	1	0.86mi
3421 4th Ave S Saint Petersburg, FL	2.0	1.5	938	$1,805	$1.92	4d	1	0.87mi
2231 15th Ave S Saint Petersburg, FL	2.0	1.0	768	$1,900	$2.47	4d	1	0.88mi
2551 26th Ave S Saint Petersburg, FL	4.0	2.0	1248	$2,395	$1.92	4d	1	0.91mi
560 26th St S Saint Petersburg, FL	3.0	1.0	979	$2,407	$2.46	24d	1	0.92mi
3774 Abington Ave S Unit A St. Petersburg, FL	2.0	1.0	710	$1,400	$1.97	12d	1	0.93mi
3627 29th Ave S Saint Petersburg, FL	2.0	1.0	1040	$2,000	$1.92	7d	1	0.93mi
2244 21st Ave S Saint Petersburg, FL	3.0	1.0	1229	$2,250	$1.83	4d	1	0.94mi
2745 4th Ave S Saint Petersburg, FL	3.0	2.0	1235	$3,200	$2.59	4d	1	0.98mi
201 35th St S Saint Petersburg, FL	2.0	1.0	850	$1,680	$1.98	2d	1	0.98mi

Listing history 8 events

1. 2026-06-18
   remarks 328-char remark
2. 2026-06-18
   status $199,900 Pending 6 DOM
3. 2026-06-18
   days on market $199,900 Active 6 DOM
4. 2026-06-17
   days on market $199,900 Active 5 DOM
5. 2026-06-16
   days on market $199,900 Active 4 DOM
6. 2026-06-15
   days on market $199,900 Active 3 DOM
7. 2026-06-13
   remarks 288-char remark
8. 2026-06-13
   listed $199,900 Active 1 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: $2,670 · $223/mo
• Projected year-2 tax: $2,670 · $223/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 ≥106°F today · 26 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,192
• − Mortgage interest: −$11,198
• − Property taxes: −$2,670
• − Insurance: −$1,000
• − Repairs & maintenance: −$2,095
• − Management: −$2,095
• − Depreciation: −$5,815
• Taxable income: $1,319
• Est. tax owed @ 24.0%: −$317
• After-tax cash flow: $4,126/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: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — St. Petersburg

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Petersburg, FL
• County: Pinellas County · 939,478 people
• City population: 249,151
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 27,142
• Household income: $60,450
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1928.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (68%)
• Race & ethnicity: Black 68% White 23% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Lithuanian 1% Slovak 1% Estonian 1%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 92% English-only · French/Haitian/Cajun 3% Spanish 3% Other Indo-European 1%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -275.45%
• Current HPI: 412.7251
• Rent YoY: ▼ -0.77%
• 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

+370.4% since first listed

39 events — show timeline

• 2026-06-12 Listed $199,900 Stellar MLS as Distributed by MLS Grid
• 2021-06-15 Sold (MLS) $137,000 Stellar MLS as Distributed by MLS Grid
• 2021-05-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-05-13 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-05-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-05-01 Price Changed $135,000 Stellar MLS as Distributed by MLS Grid
• 2021-04-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-03-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-03-20 Price Changed $149,000 Stellar MLS as Distributed by MLS Grid
• 2021-03-20 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-01-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-01-11 Listed $154,000 Stellar MLS as Distributed by MLS Grid
• 2018-12-26 Sold (Public Records) $105,000 Public Records
• 2018-12-21 Sold (MLS) $105,000 Stellar MLS as Distributed by MLS Grid
• 2018-12-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-12-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-12-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-12-06 Listed $116,000 Stellar MLS as Distributed by MLS Grid
• 2018-12-05 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-11-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-11-07 Price Changed $116,000 Stellar MLS as Distributed by MLS Grid
• 2018-10-22 Price Changed $119,000 Stellar MLS as Distributed by MLS Grid
• 2018-10-18 Price Changed $124,000 Stellar MLS as Distributed by MLS Grid
• 2018-10-11 Price Changed $129,000 Stellar MLS as Distributed by MLS Grid
• 2018-10-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-09-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-09-24 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 2014-03-03 Sold (Public Records) $40,000 Public Records
• 2013-10-31 Sold (MLS) $23,500 Stellar MLS as Distributed by MLS Grid
• 2013-04-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-04-24 Listed $24,999 Stellar MLS as Distributed by MLS Grid
• 2011-07-06 Listed $60,000 Stellar MLS as Distributed by MLS Grid
• 2006-08-09 Sold (Public Records) $100,000 Public Records
• 2006-08-04 Sold (MLS) $100,000 Stellar MLS as Distributed by MLS Grid
• 2005-12-28 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2004-08-24 Sold (Public Records) $50,000 Public Records
• 2004-07-30 Sold (MLS) $42,000 Stellar MLS as Distributed by MLS Grid
• 2004-07-21 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2004-07-07 Listed $42,500 Stellar MLS as Distributed by MLS Grid

Property tax history

+20.4%/yr

Latest (2025): $2,670 · +12.8% YoY. Source: county tax records.