4319 14th Ave S · St. Petersburg, FL 33711

$160,000

3 bd · 1.0 ba · 1,012 sqft · SingleFamily public records · 168 Days on market

Built 1970 5,624 sqft lot Est $294k · 46% under

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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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.3/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

CASH ONLY!!! Tenant pays $800 a month and would like to stay. Nice home.

Key facts

• 5,624 sq ft lot
• Built 1970
• Listed 168 days

🏷️ Possibly a rental listed for sale. The $160,000 price doesn't fit this home's estimated sale value (~$294,492) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $783 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $141k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.2% 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 B — 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.
• Market conditions: Rents soft (-1.5%/yr); 261 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 11d 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 45% of the median local income ($67k/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.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $45k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 168 days — a 12% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y 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 $75k; list at $160k implies a 113% 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→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 168 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 1970 — 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. 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.
6. 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.
7. 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: 1.55% ✓
• Cap rate: 12.16%
• Cash-on-cash: 20.97%
• DSCR: 1.93
• GRM: 5.4

CMA / ARV

• ARV (on-the-fly): $294,492
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4127 12th Ave S	0.20mi	3/1.0	1,032 (+2%)	0mo	$300,000	$291	87
1773 Tifton Ter S	0.41mi	3/1.0	1,017 (+0%)	6mo	$249,900	$246	74
4818 10th Ave S	0.47mi	3/1.0	1,032 (+2%)	3mo	$250,000	$242	72
1400 46th St S	0.21mi	2/1.0 (-1)	912 (-10%)	3mo	$74,005	$81	66
4659 9th Ave S	0.42mi	3/2.0	1,060 (+5%)	3mo	$295,000	$278	66
1720 Scranton St S	0.29mi	2/1.5 (-1)	1,108 (+10%)	2mo	$379,000	$342	62
1745 41st St S	0.31mi	2/2.0 (-1)	961 (-5%)	8mo	$300,000	$312	62
2405 44th St S	0.69mi	2/1.0 (-1)	1,000 (-1%)	3mo	$195,000	$195	58
4650 Emerson Ave S	0.65mi	2/1.0 (-1)	978 (-3%)	3mo	$322,500	$330	56
4610 6th Ave S	0.58mi	3/2.0	1,078 (+6%)	3mo	$337,000	$313	56
4801 Emerson Ave S	0.74mi	2/2.0 (-1)	1,044 (+3%)	1mo	$315,000	$302	50
2411 45th St S	0.73mi	3/1.0	1,125 (+11%)	3mo	$300,000	$267	45

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: 9.9%
• Equity multiple: 1.37×
• Total profit: $16,767
• Equity at exit: $23,857

10-year hold

• IRR: 16.3%
• Equity multiple: 2.14×
• Total profit: $51,116
• Equity at exit: $13,834

Cash invested: $44,800 (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 33711

• Rents YoY: -1.5%
• Active inventory: 261
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $2,473 high
• Mortgage (P&I): −$839
• Tax from tax record: −$265 /mo · $3,178/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$519
• Net cashflow: $783

Break-even live

Break-even rent $1,482

Max offer price $160,000

Occupancy floor 63%

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1327 43rd St S Saint Petersburg, FL	3.0	1.5	959	$2,250	$2.35	4d	1	0.02mi
1543 43rd St S Saint Petersburg, FL	4.0	2.0	1198	$3,495	$2.92	4d	1	0.16mi
1628 43rd St S Saint Petersburg, FL	3.0	2.0	1045	$2,100	$2.01	24d	1	0.20mi
4327 17th Ave S Saint Petersburg, FL	2.0	1.0	880	$2,500	$2.84	24d	1	0.20mi
4421 11th Ave S Saint Petersburg, FL	3.0	2.0	945	$2,000	$2.12	4d	1	0.21mi
4029 13th Ave S St Petersburg, FL	3.0	2.0	1152	$2,650	$2.30	24d	1	0.23mi
4537 10th Ave S Saint Petersburg, FL	4.0	2.0	1046	$2,690	$2.57	4d	1	0.30mi
4700 10th Ave S Unit 1 St. Petersburg, FL	4.0	2.0	1300	$2,650	$2.04	24d	1	0.37mi
4700 10th Ave S Saint Petersburg, FL	3.0	2.0	1300	$2,500	$1.92	20d	1	0.37mi
4631 Queensboro Ave S St Petersburg, FL	3.0	2.0	1094	$2,600	$2.38	11d	1	0.37mi
4631 Queensboro Ave S Unit 4631 St. Petersburg, FL	3.0	2.0	1094	$2,600	$2.38	7d	1	0.37mi
1642 39th St S Saint Petersburg, FL	3.0	1.0	975	$1,995	$2.05	20d	1	0.44mi
4801 10th Ave S Unit 1 St. Petersburg, FL	3.0	1.0	1100	$2,200	$2.00	24d	1	0.46mi
1734 39th St S Saint Petersburg, FL	4.0	2.0	1152	$2,000	$1.74	24d	1	0.47mi
2044 44th St S Saint Petersburg, FL	3.0	2.0	1384	$2,600	$1.88	21d	1	0.53mi
4933 13th Ave S Gulfport, FL	2.0	1.0	939	$2,200	$2.34	20d	1	0.54mi
1665 37th St S Saint Petersburg, FL	3.0	1.0	867	$1,850	$2.13	11d	1	0.54mi
4618 20th Ave S Saint Petersburg, FL	2.0	1.0	921	$1,800	$1.95	3d	1	0.55mi
4541 6th Ave S Saint Petersburg, FL	3.0	1.0	945	$1,100	$1.16	14d	1	0.58mi
1933 47th St S Saint Petersburg, FL	2.0	1.0	816	$1,595	$1.95	4d	1	0.58mi
4711 Fairfield Ave S Saint Petersburg, FL	3.0	2.0	1135	$2,800	$2.47	4d	1	0.58mi
3535 14th Ave S Saint Petersburg, FL	3.0	1.0	768	$1,650	$2.15	4d	1	0.60mi
3603 16th Ave S Saint Petersburg, FL	4.0	2.0	1235	$3,000	$2.43	4d	1	0.60mi
505 43rd St S Unit 5051/2 St. Petersburg, FL	2.0	1.0	800	$2,000	$2.50	24d	1	0.63mi
4601 22nd Ave S Saint Petersburg, FL	1.0–2.0	1.0	872	$1,349	$1.55	1d	3	0.64mi
4616 22nd Ave S Saint Petersburg, FL	2.0	1.0	1200	$2,400	$2.00	24d	1	0.67mi
4519 5th Ave S Saint Petersburg, FL	4.0	2.0	1448	$2,900	$2.00	3d	1	0.69mi
800 51st St S Gulfport, FL	3.0	2.0	1258	$3,200	$2.54	4d	1	0.72mi
4736 5th Ave S Saint Petersburg, FL	4.0	1.0	1224	$1,895	$1.55	4d	1	0.73mi
450 47th St S Saint Petersburg, FL	3.0	1.0	960	$2,950	$3.07	4d	1	0.73mi
404 Madison St S Saint Petersburg, FL	3.0	1.0	1391	$2,500	$1.80	4d	1	0.79mi
4665 Yarmouth Ave S Saint Petersburg, FL	2.0	1.0	826	$1,950	$2.36	24d	1	0.80mi
4948 5th Ave S Saint Petersburg, FL	3.0	1.5	1379	$2,450	$1.78	4d	1	0.84mi
1701 53rd St S Gulfport, FL	3.0	1.0	994	$2,800	$2.82	4d	1	0.85mi
4018 2nd Ave S Saint Petersburg, FL	3.0	1.0	1176	$2,095	$1.78	4d	1	0.86mi
1227 Fargo St S Unit 1 St. Petersburg, FL	2.0	1.0	780	$1,600	$2.05	24d	1	0.87mi
2510 38th St S Saint Petersburg, FL	3.0	1.5	1104	$2,340	$2.12	4d	1	0.90mi
2510 38th St S Saint Petersburg, FL	3.0	1.5	1104	$2,340	$2.12	24d	1	0.90mi
1147 32nd St S Saint Petersburg, FL	2.0	1.0	780	$1,350	$1.73	14d	1	0.92mi
5156 5th Ave S Saint Petersburg, FL	3.0	1.0	1139	$1,995	$1.75	24d	1	0.94mi

Listing history 17 events

1. 2025-12-31
   status Pending
2. 2025-11-04
   status Active
3. 2025-11-01
   status Pending
4. 2025-07-12
   listed $160,000 Active
5. 2020-01-24
   soldstatus $75,000 Sold 72-char remark

   Show marketing remark (72 chars)

   CASH ONLY!!! Tenant pays $800 a month and would like to stay. Nice home.

6. 2020-01-24
   soldstatus $75,000

   Show marketing remark (72 chars)

   CASH ONLY!!! Tenant pays $800 a month and would like to stay. Nice home.

7. 2019-09-25
   status Pending 72-char remark

   Show marketing remark (72 chars)

   CASH ONLY!!! Tenant pays $800 a month and would like to stay. Nice home.

8. 2019-09-17
   listed $79,900 Active 72-char remark

   Show marketing remark (72 chars)

   CASH ONLY!!! Tenant pays $800 a month and would like to stay. Nice home.

9. 2019-04-01
   status Pending
10. 2019-04-01
    historical
11. 2019-03-11
    listed $74,900 Active
12. 2014-07-29
    historical
13. 2014-07-23
    status Pending
14. 2014-06-26
    listed $24,200 Active
15. 2012-02-20
    historical
16. 2011-12-30
    listed $13,000
17. 2006-04-24
    listed $154,900

ⓘ 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: $3,178 · $265/mo
• Projected year-2 tax: $3,178 · $265/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 · 27 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: $29,673
• − Mortgage interest: −$8,962
• − Property taxes: −$3,178
• − Insurance: −$800
• − Repairs & maintenance: −$2,374
• − Management: −$2,374
• − Depreciation: −$4,655
• Taxable income: $7,330
• Est. tax owed @ 24.0%: −$1,759
• After-tax cash flow: $7,636/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): 20,013
• Household income: $66,540
• Rent vs Own: 30.3% rent · 69.7% own
• Severe rent burden: 903.0

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: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 45% Black 45% Hispanic / Latino 6% Two or more races 6%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Romanian 2% Lithuanian 2% Italian 1%
• Foreign-born: 7% · Canada, Dominican Republic
• Languages at home: 91% English-only · Spanish 4% French/Haitian/Cajun 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: ▼ -313.54%
• Current HPI: 338.2712
• Rent YoY: ▼ -1.47%
• 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

+3.3% since first listed

17 events — show timeline

• 2025-12-31 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-11-04 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-07-12 Listed $160,000 Stellar MLS as Distributed by MLS Grid
• 2020-01-24 Sold (Public Records) $75,000 Public Records
• 2020-01-24 Sold (MLS) $75,000 Stellar MLS as Distributed by MLS Grid
• 2019-09-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-09-17 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 2019-04-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-04-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2019-03-11 Listed $74,900 Stellar MLS as Distributed by MLS Grid
• 2014-07-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-07-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-06-26 Listed $24,200 Stellar MLS as Distributed by MLS Grid
• 2012-02-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2011-12-30 Listed $13,000 Stellar MLS as Distributed by MLS Grid
• 2006-04-24 Listed $154,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+17.8%/yr

Latest (2025): $3,178 · +12.2% YoY. Source: county tax records.