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9013 Westchester Cir #32
B Composite 70.6
Why this score? — see what drove the B 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 +29.9/30.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • ARV discount +7.5/15.0
  • 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

$73,000

9013 Westchester Cir #32 · Tampa, FL 33604
1 bd · 1.0 ba · 525 sqft · Condo public records · 50 Days on market
Built 1980 $265/mo HOA · 20% of rent

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Bright and welcoming, this CHARMING 525 square foot condo is MOVE IN READY! Completely updated inside, this 1 bedroom, 1 bathroom abode is absolutely ADORABLE! Perfect for first time home-buyers or for an investment property! Upon arrival as you enter this open floor plan, you will notice the gleaming flooring throughout the home, and a LARGE and luminous window in the sunny living and dining room. The bright kitchen boasts NEW white appliances and cabinetry. The Master suite is roomy and boasts an EN SUITE bathroom with shower over tub, white vanity and storage below the sink. Enjoy spending time at the community pool, and tennis court all year round. Ideally located minutes to schools, shopping centers, dining, and ONLY NINE MINUTES from the Lowry park Zoo!! FIVE MINUTES OR LESS from I-275, E Busch Boulevard, and N Florida Avenue, for easy commuting! WITHIN TWENTY MINUTES from Channelside, and the University of South Florida!! Don't miss the INCREDIBLE opportunity to be this ADORABLE abode's new owner! Buy it now because this charming home will SELL FAST!

Key facts

  • Laminate floors
  • Near dining
  • Near shopping

Tags

ASSIGNED PARKING SPACELAMINATE FLOORSWALK-IN CLOSETPRIVATE ENSUITE BATHROOMNEAR SHOPPINGNEAR DINING

Property features AI

Finance

  • Other: Unit is unfurnished; Total living area approximately 525 square feet
  • Financial info: Lease restrictions apply
  • HOA & community: HOA managed by Inframark Manager; Monthly association fee $265 (includes water and trash); Association approval required; Cats and dogs allowed

Exterior

  • Utilities: Public water; Public sewer; Cable available; Electricity connected; Sewer connected
  • Home design: Residential condominium; Single-story (one level); Faces south; Located on first floor
  • Construction: Block construction; Shingle roof; Block foundation; Built as part of a multi-unit building
  • Exterior features: Asphalt road access

Interior

  • Kitchen: Range; Range hood; Refrigerator
  • Bedrooms: 1 bedroom
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Central heating; Central air conditioning
  • Interior features: No additional interior features listed
  • Laundry & utility: No laundry in unit

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath condo listed at $73k.

Deal economics

  • At list price, monthly cash flow is $269 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $73k).
  • Recommended offer: $71k (3.0% 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 18d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $505 of loan paydown is wiped out by about $2k 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 50 days — a 3% lower offer ($71k) is reasonable based on typical stale-listing flexibility.
  • 10 sale attempts since 7y ago; this cycle's ask is 7200% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
  • Current owner paid $44k; list at $73k implies a 66% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: HOA is 20% of rent.
  • 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 $70,810 (3.0% below list)

Questions for the listing agent

  1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
  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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.79%
Cap rate
10.72%
Cash-on-cash
15.81%
DSCR
1.70
GRM
4.6

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
3.1%
Equity multiple
1.11×
Total profit
$2,316
Equity at exit
$10,885
10-year hold
IRR
9.2%
Equity multiple
1.61×
Total profit
$12,383
Equity at exit
$6,312

Cash invested: $20,440 (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.

ZIP-level market 33604

Home prices YoY
-31.3%
Rents YoY
0.5%
Active inventory
368
Price-to-rent
4.6×

Monthly cashflow live

Estimated rent
$1,310 high interval (Pro) →
Mortgage (P&I)
$383
Tax from tax record
$87 /mo · $1,049/yr
Insurance
$30
HOA
$265
Vacancy / Maint / Mgmt
$275
Net cashflow
$269

Break-even live

Break-even rent $969
Max offer price $73,000
Occupancy floor 74%

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
$18,250
Closing costs
$2,190
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
9013 Westchester Cir Unit E Tampa, FL 1.0 1.0 525 $1,197 $2.28 24d 1 0.04mi
9015 Westchester Cir #39 Tampa, FL 1.0 1.0 525 $1,100 $2.10 24d 1 0.05mi
8724 N Tampa St Unit 210 Tampa, FL 1.0 1.0 470 $1,050 $2.23 4d 1 0.29mi
8118 N Alaska St Tampa, FL 2.0 1.0 700 $1,500 $2.14 2d 1 0.67mi
8907 N Boulevard Tampa, FL 2.0 1.0 624 $2,550 $4.09 24d 1 0.71mi
9610 N 12th St Unit B Tampa, FL 1.0 1.0 540 $1,099 $2.04 24d 1 0.71mi
708 E Hollywood St Unit 708-1 Tampa, FL 1.0 1.0 675 $1,400 $2.07 13d 1 0.71mi
708 E Hollywood St Unit 714-6 Tampa, FL 1.0 1.0 750 $1,495 $1.99 17d 1 0.71mi
708 E Hollywood St Tampa, FL 1.0 1.0 675 $1,400 $2.07 4d 1 0.71mi
714 E Hollywood St Tampa, FL 1.0 1.0 750 $1,495 $1.99 17d 1 0.72mi
8619 N Mulberry St Unit A Tampa, FL 2.0 1.0 742 $1,350 $1.82 24d 1 0.77mi
703 E Hanlon St Tampa, FL 2.0 1.0 500 $1,500 $3.00 19d 1 0.77mi
7717 N Huntley Ave Tampa, FL 2.0 1.0 692 $1,425 $2.06 3d 1 0.78mi
7707 N Huntley Ave Unit 7707-3 Tampa, FL 2.0 1.0 510 $1,325 $2.60 14d 1 0.81mi
7707 N Huntley Ave Tampa, FL 2.0 1.0 510 $1,325 $2.60 3d 1 0.81mi
7707 N Huntley Ave Tampa, FL 2.0 1.0 510 $1,325 $2.60 20d 1 0.81mi
7707 N Huntley Ave Unit 7707-5 Tampa, FL 2.0 1.0 655 $1,325 $2.02 24d 1 0.81mi
9413 N Mulberry St Apt A Tampa, FL 2.0 1.0 692 $1,200 $1.73 4d 1 0.85mi
8105 N Klondyke St Unit A- Tampa, FL 2.0 1.0 720 $1,200 $1.67 2d 1 0.86mi
7903 N 13th St Tampa, FL 2.0 1.0 648 $1,199 $1.85 4d 1 0.94mi
2506 Noth Rocky Point Dr Unit 457 Tampa,, FL 1.0 1.0 560 $2,400 $4.29 24d 1 0.95mi
10022 N Lantana Ave Unit A Tampa, FL 1.0 1.0 420 $1,250 $2.98 1d 1 0.96mi
7301 N Dixon Ave Unit B Tampa, FL 1.0 1.0 700 $1,400 $2.00 1d 1 1.06mi
1009 E Holland Ave Tampa, FL 2.0 1.0 712 $1,349 $1.89 24d 1 1.06mi
7208 N Nebraska Ave Apt 1 Tampa, FL 1.0 400 $850 $2.12 24d 1 1.13mi
1405 W Rambla St Tampa, FL 1.0 1.0 480 $1,000 $2.08 24d 1 1.15mi
7211 N 10th St Tampa, FL 1.0 400 $1,000 $2.50 4d 1 1.17mi
906 E 108th Ave Tampa, FL 1.0 1.0 456 $1,350 $2.96 24d 1 1.19mi
905 E Crawford St Tampa, FL 1.0 1.0 588 $1,600 $2.72 24d 1 1.20mi
1109 E Seneca Ave Unit B Tampa, FL 2.0 1.0 696 $1,310 $1.88 24d 1 1.21mi
1601 E Marks Dr Tampa, FL 2.0 1.0 700 $1,490 $2.13 24d 1 1.21mi
1726 E Idell St Unit B Tampa, FL 1.0 1.0 702 $1,400 $1.99 4d 1 1.23mi
9313 N 20th St Tampa, FL 2.0 1.0 716 $1,595 $2.23 24d 1 1.23mi
10807 N 11th St Tampa, FL 2.0 1.0 567 $1,300 $2.29 24d 1 1.27mi
1211 E 108th Ave Tampa, FL 2.0 1.0 650 $1,299 $2.00 2d 1 1.28mi
1507 Charm Ln Unit 2 Tampa, FL 1.0 1.0 510 $1,250 $2.45 24d 1 1.34mi
1421 E 108th Ave Unit A Tampa, FL 1.0 1.0 500 $1,500 $3.00 17d 1 1.36mi
10706 N 15th St Unit A Tampa, FL 1.0 1.0 600 $1,500 $2.50 17d 1 1.36mi
900 E Sligh Ave Tampa, FL 2.0 1.0–2.0 888 $2,200 $2.48 2d 33 1.37mi
118 W Sligh Ave Tampa, FL 1.0 429 $1,450 $3.38 4d 1 1.37mi

HOA detail condo

Monthly dues
$265 · $3,180/yr
Likely covers
pool
Assessments
None detected in remarks — confirm with the listing agent.

Listing history 34 events

  1. 2026-06-18
    days on market $73,000 Active 50 DOM
  2. 2026-06-17
    days on market $73,000 Active 49 DOM
  3. 2026-06-16
    days on market $73,000 Active 48 DOM
  4. 2026-06-15
    days on market $73,000 Active 47 DOM
  5. 2026-06-13
    days on market $73,000 Active 45 DOM
  6. 2026-06-13
    days on market $73,000 Active 44 DOM
  7. 2026-06-09
    days on market $73,000 Active 41 DOM
  8. 2026-06-08
    days on market $73,000 Active 40 DOM
  9. 2026-06-07
    days on market $73,000 Active 39 DOM
  10. 2026-06-04
    days on market $73,000 Active 36 DOM
  11. 2026-06-03
    days on market $73,000 Active 35 DOM
  12. 2026-06-02
    days on market $73,000 Active 34 DOM
  13. 2026-06-01
    days on market $73,000 Active 33 DOM
  14. 2026-05-31
    days on market $73,000 Active 32 DOM
  15. 2026-05-18
    price $73,000 515-char remark
  16. 2026-05-06
    listed $1,100
  17. 2026-04-24
    listed $76,000 Active 515-char remark
  18. 2026-03-14
    historical $1,150
  19. 2026-01-01
    listed $1,150
  20. 2025-12-21
    historical $1,150
  21. 2025-12-18
    listed $1,150
  22. 2025-11-21
    historical $1,150
  23. 2025-10-22
    listed $1,150
  24. 2019-10-18
    soldstatus $44,000
  25. 2019-10-05
    soldstatus $44,000 Sold 1073-char remark
    Show marketing remark (1073 chars)

    Bright and welcoming, this CHARMING 525 square foot condo is MOVE IN READY! Completely updated inside, this 1 bedroom, 1 bathroom abode is absolutely ADORABLE! Perfect for first time home-buyers or for an investment property! Upon arrival as you enter this open floor plan, you will notice the gleaming flooring throughout the home, and a LARGE and luminous window in the sunny living and dining room. The bright kitchen boasts NEW white appliances and cabinetry. The Master suite is roomy and boasts an EN SUITE bathroom with shower over tub, white vanity and storage below the sink. Enjoy spending time at the community pool, and tennis court all year round. Ideally located minutes to schools, shopping centers, dining, and ONLY NINE MINUTES from the Lowry park Zoo!! FIVE MINUTES OR LESS from I-275, E Busch Boulevard, and N Florida Avenue, for easy commuting! WITHIN TWENTY MINUTES from Channelside, and the University of South Florida!! Don't miss the INCREDIBLE opportunity to be this ADORABLE abode's new owner! Buy it now because this charming home will SELL FAST!

  26. 2019-09-20
    status Pending 1073-char remark
    Show marketing remark (1073 chars)

    Bright and welcoming, this CHARMING 525 square foot condo is MOVE IN READY! Completely updated inside, this 1 bedroom, 1 bathroom abode is absolutely ADORABLE! Perfect for first time home-buyers or for an investment property! Upon arrival as you enter this open floor plan, you will notice the gleaming flooring throughout the home, and a LARGE and luminous window in the sunny living and dining room. The bright kitchen boasts NEW white appliances and cabinetry. The Master suite is roomy and boasts an EN SUITE bathroom with shower over tub, white vanity and storage below the sink. Enjoy spending time at the community pool, and tennis court all year round. Ideally located minutes to schools, shopping centers, dining, and ONLY NINE MINUTES from the Lowry park Zoo!! FIVE MINUTES OR LESS from I-275, E Busch Boulevard, and N Florida Avenue, for easy commuting! WITHIN TWENTY MINUTES from Channelside, and the University of South Florida!! Don't miss the INCREDIBLE opportunity to be this ADORABLE abode's new owner! Buy it now because this charming home will SELL FAST!

  27. 2019-09-12
    status Active 1073-char remark
    Show marketing remark (1073 chars)

    Bright and welcoming, this CHARMING 525 square foot condo is MOVE IN READY! Completely updated inside, this 1 bedroom, 1 bathroom abode is absolutely ADORABLE! Perfect for first time home-buyers or for an investment property! Upon arrival as you enter this open floor plan, you will notice the gleaming flooring throughout the home, and a LARGE and luminous window in the sunny living and dining room. The bright kitchen boasts NEW white appliances and cabinetry. The Master suite is roomy and boasts an EN SUITE bathroom with shower over tub, white vanity and storage below the sink. Enjoy spending time at the community pool, and tennis court all year round. Ideally located minutes to schools, shopping centers, dining, and ONLY NINE MINUTES from the Lowry park Zoo!! FIVE MINUTES OR LESS from I-275, E Busch Boulevard, and N Florida Avenue, for easy commuting! WITHIN TWENTY MINUTES from Channelside, and the University of South Florida!! Don't miss the INCREDIBLE opportunity to be this ADORABLE abode's new owner! Buy it now because this charming home will SELL FAST!

  28. 2019-08-22
    status Pending 1073-char remark
    Show marketing remark (1073 chars)

    Bright and welcoming, this CHARMING 525 square foot condo is MOVE IN READY! Completely updated inside, this 1 bedroom, 1 bathroom abode is absolutely ADORABLE! Perfect for first time home-buyers or for an investment property! Upon arrival as you enter this open floor plan, you will notice the gleaming flooring throughout the home, and a LARGE and luminous window in the sunny living and dining room. The bright kitchen boasts NEW white appliances and cabinetry. The Master suite is roomy and boasts an EN SUITE bathroom with shower over tub, white vanity and storage below the sink. Enjoy spending time at the community pool, and tennis court all year round. Ideally located minutes to schools, shopping centers, dining, and ONLY NINE MINUTES from the Lowry park Zoo!! FIVE MINUTES OR LESS from I-275, E Busch Boulevard, and N Florida Avenue, for easy commuting! WITHIN TWENTY MINUTES from Channelside, and the University of South Florida!! Don't miss the INCREDIBLE opportunity to be this ADORABLE abode's new owner! Buy it now because this charming home will SELL FAST!

  29. 2019-08-19
    status Active 1073-char remark
    Show marketing remark (1073 chars)

    Bright and welcoming, this CHARMING 525 square foot condo is MOVE IN READY! Completely updated inside, this 1 bedroom, 1 bathroom abode is absolutely ADORABLE! Perfect for first time home-buyers or for an investment property! Upon arrival as you enter this open floor plan, you will notice the gleaming flooring throughout the home, and a LARGE and luminous window in the sunny living and dining room. The bright kitchen boasts NEW white appliances and cabinetry. The Master suite is roomy and boasts an EN SUITE bathroom with shower over tub, white vanity and storage below the sink. Enjoy spending time at the community pool, and tennis court all year round. Ideally located minutes to schools, shopping centers, dining, and ONLY NINE MINUTES from the Lowry park Zoo!! FIVE MINUTES OR LESS from I-275, E Busch Boulevard, and N Florida Avenue, for easy commuting! WITHIN TWENTY MINUTES from Channelside, and the University of South Florida!! Don't miss the INCREDIBLE opportunity to be this ADORABLE abode's new owner! Buy it now because this charming home will SELL FAST!

  30. 2019-08-02
    status Pending 1073-char remark
    Show marketing remark (1073 chars)

    Bright and welcoming, this CHARMING 525 square foot condo is MOVE IN READY! Completely updated inside, this 1 bedroom, 1 bathroom abode is absolutely ADORABLE! Perfect for first time home-buyers or for an investment property! Upon arrival as you enter this open floor plan, you will notice the gleaming flooring throughout the home, and a LARGE and luminous window in the sunny living and dining room. The bright kitchen boasts NEW white appliances and cabinetry. The Master suite is roomy and boasts an EN SUITE bathroom with shower over tub, white vanity and storage below the sink. Enjoy spending time at the community pool, and tennis court all year round. Ideally located minutes to schools, shopping centers, dining, and ONLY NINE MINUTES from the Lowry park Zoo!! FIVE MINUTES OR LESS from I-275, E Busch Boulevard, and N Florida Avenue, for easy commuting! WITHIN TWENTY MINUTES from Channelside, and the University of South Florida!! Don't miss the INCREDIBLE opportunity to be this ADORABLE abode's new owner! Buy it now because this charming home will SELL FAST!

  31. 2019-07-31
    listed $48,000 Active 1073-char remark
    Show marketing remark (1073 chars)

    Bright and welcoming, this CHARMING 525 square foot condo is MOVE IN READY! Completely updated inside, this 1 bedroom, 1 bathroom abode is absolutely ADORABLE! Perfect for first time home-buyers or for an investment property! Upon arrival as you enter this open floor plan, you will notice the gleaming flooring throughout the home, and a LARGE and luminous window in the sunny living and dining room. The bright kitchen boasts NEW white appliances and cabinetry. The Master suite is roomy and boasts an EN SUITE bathroom with shower over tub, white vanity and storage below the sink. Enjoy spending time at the community pool, and tennis court all year round. Ideally located minutes to schools, shopping centers, dining, and ONLY NINE MINUTES from the Lowry park Zoo!! FIVE MINUTES OR LESS from I-275, E Busch Boulevard, and N Florida Avenue, for easy commuting! WITHIN TWENTY MINUTES from Channelside, and the University of South Florida!! Don't miss the INCREDIBLE opportunity to be this ADORABLE abode's new owner! Buy it now because this charming home will SELL FAST!

  32. 2019-06-18
    soldstatus $16,000
  33. 2003-01-23
    soldstatus $18,000
  34. 1999-05-10
    soldstatus $15,500

ⓘ 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
$1,049 · $87/mo
Projected year-2 tax
$1,049 · $87/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 · 3 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$15,722
− Mortgage interest
−$4,089
− Property taxes
−$1,049
− Insurance
−$365
− Repairs & maintenance
−$1,258
− Management
−$1,258
− HOA
−$3,180
− Depreciation
−$2,124
Taxable income
$2,400
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$576
After-tax cash flow
$2,656/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

Price history

-93.5% since first listed
24 events — show timeline
  • 2026-06-04 Listed for Rent $1,000 STELLARMLS
  • 2026-05-30 Relisted Stellar MLS as Distributed by MLS Grid
  • 2026-05-23 Pending Stellar MLS as Distributed by MLS Grid
  • 2026-05-22 Rental Removed $1,100 STELLARMLS
  • 2026-05-18 Price Changed $73,000 Stellar MLS as Distributed by MLS Grid
  • 2026-05-06 Listed for Rent $1,100 STELLARMLS
  • 2026-04-24 Listed $76,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-14 Rental Removed $1,150 STELLARMLS
  • 2026-01-01 Listed for Rent $1,150 STELLARMLS
  • 2025-12-21 Rental Removed $1,150 STELLARMLS
  • 2025-12-18 Listed for Rent $1,150 STELLARMLS
  • 2025-11-21 Rental Removed $1,150 STELLARMLS
  • 2025-10-22 Listed for Rent $1,150 STELLARMLS
  • 2019-10-18 Sold (Public Records) $44,000 Public Records
  • 2019-10-05 Sold (MLS) $44,000 Stellar MLS as Distributed by MLS Grid
  • 2019-09-20 Pending Stellar MLS as Distributed by MLS Grid
  • 2019-09-12 Relisted Stellar MLS as Distributed by MLS Grid
  • 2019-08-22 Pending Stellar MLS as Distributed by MLS Grid
  • 2019-08-19 Relisted Stellar MLS as Distributed by MLS Grid
  • 2019-08-02 Pending Stellar MLS as Distributed by MLS Grid
  • 2019-07-31 Listed $48,000 Stellar MLS as Distributed by MLS Grid
  • 2019-06-18 Sold (Public Records) $16,000 Public Records
  • 2003-01-23 Sold (Public Records) $18,000 Public Records
  • 1999-05-10 Sold (Public Records) $15,500 Public Records

Property tax history

+33.1%/yr

Latest (2025): $1,049 · +6.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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