1960 Union St #28 · Clearwater, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 26 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D 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 +10.3/30.0
- ARV discount +7.5/15.0
- 1% rule +6.8/10.0
- Schools +4.3/10.0
- Livability +4.1/5.0
- DSCR +3.0/10.0
- Condition / age +2.5/5.0
- Rent growth +1.8/5.0
- Appreciation +0.0/10.0
$164,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Wonderful quiet and well maintained condo. Only on neighbor and they are under you! Top floor with windows all around. Feels more like a house then a condo. This unit over looks the pool. Entire unit is tiled with 18x18 tile. Kitchen has a pass through to the dining area. Bedrooms are split. Large indoor laundry with a whole home water purification system. New AC in 2014! This is the only unit in Oak lake with this layout, must see! Shady parking too!
Key facts
- Pass through window
- Screened lanai
- Brand new roofs
Tags
Property features AI
Finance
- Other: Unfurnished; Living area reported as 1,049 (public records)
- Financial info: Monthly condo fee $608 ($7,296 annually); Lease restrictions apply
- HOA & community: Monthly condo/HOA fee of $608 (includes pool, water, sewer, trash, common area taxes, maintenance structure and grounds, management, pest control, escrow reserves fund); Association approval required; Pool on site; Community mailbox; Deed restrictions; Buyer approval required; Pets allowed (maximum ~20 lbs)
Exterior
- Parking: Community parking (details not specified)
- Utilities: Public water; Public sewer; Electricity connected; Cable connected; Sewer connected; Water connected
- Home design: Condominium residential property; One story; Unit on 2nd floor; East-facing
- Construction: Stucco, frame, and wood siding construction; Shingle roof; Slab foundation; Built as building number 28
- Exterior features: Balcony; Rain gutters; Sliding doors; Asphalt road access
Interior
- Kitchen: Dishwasher; Microwave; Range; Refrigerator; Water filtration system
- Bedrooms: 2 bedrooms
- Flooring: Laminate
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating (electric); Central air conditioning
- Interior features: Ceiling fans; Solid surface counters; Thermostat; Blinds
- Laundry & utility: Inside laundry room; Dryer; Electric water heater; Water softener
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath condo listed at $165k.
Deal economics
- At list price, monthly cash flow is $-89 ($-1k/yr) — negative.
- To cash-flow at today's rent, offer at most $149k (9.5% below list).
- Meets the 1% rule at list price ($2k rent vs $165k).
- Recommended offer: $149k (9.5% below list) — sets the bar for cash-flow.
- Cap rate 5.6% vs local median 3.0% in Clearwater — 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 82/100 on livability (#60 in FL, #988 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: employment C-.
- 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: Garrison-Jones Elementary School (math 66% / reading 58%, grade B, #608 of 2,144 statewide, top 29%, 593 students, 46% FRL); Dunedin High School (math 36% / reading 45%, grade F, #294 of 667 statewide, top 44%, 1,203 students, 48% FRL) — zoned schools at 47% FRL track the district average.
- Market conditions: Rents soft (-2.6%/yr); 292 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 12d 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 42% of the median local income ($55k/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.
Negotiation context
- It's been on market 59 days — a 3% lower offer ($160k) is reasonable based on typical stale-listing flexibility.
- 5 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 $84k; list at $165k implies a 96% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: HOA is 31% of rent.
- 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.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 59 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
- Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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.
- 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.
- 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
- 1.18% ✓
- Cap rate
- 5.65%
- Cash-on-cash
- -2.31%
- DSCR
- 0.90
- GRM
- 7.1
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -24.9%
- Equity multiple
- 0.18×
- Total profit
- $-37,751
- Equity at exit
- $24,587
- IRR
- -43.8%
- Equity multiple
- -0.32×
- Total profit
- $-60,826
- Equity at exit
- $14,258
Cash invested: $46,172 (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
ZIP-level market 33763
- Rents YoY
- -2.6%
- Active inventory
- 292
- Price-to-rent
- 7.1×
Monthly cashflow live
- Estimated rent
- $1,940 high interval (Pro) →
- Mortgage (P&I)
- −$865
- Tax from tax record
- −$80 /mo · $966/yr
- Insurance
- −$69
- HOA
- −$608
- Vacancy / Maint / Mgmt
- −$407
- Net cashflow
- $-89
Break-even live
Sensitivity live
| Price | -10% $4 | -5% $-42 | +0% $-89 | +5% $-136 | +10% $-182 |
|---|---|---|---|---|---|
| Rent | -10% $-242 | -5% $-166 | +0% $-89 | +5% $-12 | +10% $64 |
| Rate | -1.0pp $-6 | -0.5pp $-47 | base $-89 | +0.5pp $-132 | +1.0pp $-175 |
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
- $41,225
- Closing costs
- $4,947
- 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
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1960 Union St Clearwater, FL | 2.0 | 2.0 | 996 | $1,775 | $1.78 | 9d | 2 | 0.05mi |
| 2151 Alicia Dr Unit A Clearwater, FL | 3.0 | 2.5 | 1250 | $2,250 | $1.80 | 9d | 1 | 0.15mi |
| 2151 Alicia Dr Unit C Clearwater, FL | 3.0 | 2.5 | 1500 | $2,000 | $1.33 | 9d | 1 | 0.15mi |
| 2070 Loma Linda Way N Clearwater, FL | 2.0 | 1.0 | 980 | $1,928 | $1.97 | 25d | 1 | 0.15mi |
| 1912 Radcliffe Dr N Clearwater, FL | 2.0 | 2.0 | 1340 | $2,750 | $2.05 | 25d | 1 | 0.33mi |
| 1973 Clarendon Rd Clearwater, FL | 3.0 | 2.0 | 1248 | $2,500 | $2.00 | 5d | 1 | 0.37mi |
| 2251 Springwood Cir W Clearwater, FL | 3.0 | 2.0 | 1344 | $3,100 | $2.31 | 25d | 1 | 0.48mi |
| 1820 Sunset Point Rd Clearwater, FL | 1.0–3.0 | 1.0–2.0 | 918 | $1,668 | $1.82 | 3d | 17 | 0.51mi |
| 2005 Greenbriar Blvd #1 Clearwater, FL | 2.0 | 2.0 | 930 | $1,500 | $1.61 | 5d | 1 | 0.52mi |
| 152 Macalpine Way Dunedin, FL | 1.0–3.0 | 1.0–2.5 | 943 | $2,084 | $2.21 | 2d | 42 | 0.66mi |
| 2037 Sunset Grove Ln Clearwater, FL | 2.0 | 2.0 | 935 | $1,750 | $1.87 | 25d | 1 | 0.66mi |
| 2256 Philippine Dr Clearwater, FL | 2.0 | 2.0 | 1400 | $1,550 | $1.11 | 25d | 1 | 0.80mi |
| 2323 Surrey Ln Clearwater, FL | 2.0 | 2.0 | 1280 | $2,250 | $1.76 | 23d | 1 | 0.83mi |
| 526 Belmist Ct Dunedin, FL | 3.0 | 2.0 | 1480 | $2,700 | $1.82 | 25d | 1 | 0.84mi |
| 2138 Timber Ln Clearwater, FL | 2.0 | 2.0 | 1348 | $2,800 | $2.08 | 25d | 1 | 0.85mi |
| 2287 Philippine Dr #29 Clearwater, FL | 2.0 | 2.0 | 1070 | $1,550 | $1.45 | 9d | 1 | 0.86mi |
| 2287 Philippine Dr #29 Clearwater, FL | 2.0 | 2.0 | 1070 | $1,550 | $1.45 | 4d | 1 | 0.86mi |
| 2262 Swedish Dr #10 Clearwater, FL | 2.0 | 2.0 | 1115 | $2,000 | $1.79 | 25d | 1 | 0.86mi |
| 1005 Egret Ct Dunedin, FL | 2.0 | 2.0 | 996 | $1,400 | $1.41 | 5d | 1 | 0.86mi |
| 2284 Philippine Dr #59 Clearwater, FL | 2.0 | 2.0 | 1100 | $1,795 | $1.63 | 23d | 1 | 0.86mi |
| 2331 Finlandia Ln #53 Clearwater, FL | 1.0 | 1.0 | 825 | $1,345 | $1.63 | 4d | 1 | 0.95mi |
| 2311 Brisbane St #65 Clearwater, FL | 2.0 | 2.0 | 1100 | $1,700 | $1.55 | 13d | 1 | 0.96mi |
| 2310 Denmark St Clearwater, FL | 2.0 | 2.0 | 1100 | $1,600 | $1.45 | 16d | 1 | 0.96mi |
| 2361 Ecuadorian Way #45 Clearwater, FL | 2.0 | 2.0 | 1400 | $1,700 | $1.21 | 5d | 1 | 1.05mi |
| 2042 Australia Way W Clearwater, FL | 1.0 | 1.0 | 825 | $1,350 | $1.64 | 11d | 1 | 1.05mi |
| 2358 Ecuadorian Way #56 Clearwater, FL | 2.0 | 2.0 | 1100 | $1,500 | $1.36 | 4d | 1 | 1.05mi |
| 978 Cedarwood Ave Dunedin, FL | 2.0 | 1.0 | 1100 | $1,800 | $1.64 | 25d | 1 | 1.05mi |
| 2359 Finlandia Ln Clearwater, FL | 2.0 | 2.0–20.0 | 1100 | $1,400 | $1.27 | 19d | 2 | 1.06mi |
| 1767 Linwood Cir Clearwater, FL | 3.0 | 2.0 | 1500 | $3,000 | $2.00 | 5d | 1 | 1.06mi |
| 2071 Australia Way W #29 Clearwater, FL | 2.0 | 2.0 | 1100 | $1,525 | $1.39 | 25d | 1 | 1.08mi |
| 2363 Israeli Dr #67 Clearwater, FL | 2.0 | 2.0 | 1100 | $1,600 | $1.45 | 25d | 1 | 1.10mi |
| 2701 Dunedin Commons Pl Dunedin, FL | 1.0–2.0 | 1.0–2.0 | 887 | $2,710 | $3.05 | 4d | 12 | 1.11mi |
| 2380 World Parkway Blvd #56 Clearwater, FL | 1.0 | 2.0 | 1244 | $1,200 | $0.96 | 4d | 1 | 1.12mi |
| 2040 World Parkway Blvd #34 Clearwater, FL | 2.0 | 2.0 | 1400 | $1,650 | $1.18 | 25d | 1 | 1.12mi |
| 2378 Ecuadorian Way #38 Clearwater, FL | 2.0 | 2.0 | 1400 | $1,800 | $1.29 | 3d | 1 | 1.12mi |
| 2400 Franciscan Dr #44 Clearwater, FL | 1.0 | 1.0 | 735 | $1,200 | $1.63 | 25d | 1 | 1.12mi |
| 2020 World Parkway Blvd #54 Clearwater, FL | 2.0 | 2.0 | 1400 | $1,795 | $1.28 | 11d | 1 | 1.17mi |
| 2402 Ecuadorian Way #28 Clearwater, FL | 2.0 | 2.0 | 1400 | $1,900 | $1.36 | 5d | 1 | 1.18mi |
| 2402 Ecuadorian Way Clearwater, FL | 2.0 | 2.0 | 1400 | $1,800 | $1.29 | 25d | 2 | 1.19mi |
| 1423 Aries Ln Unit 3 Clearwater, FL | 2.0 | 1.0 | 1015 | $1,600 | $1.58 | 5d | 1 | 1.20mi |
HOA detail condo
- Monthly dues
- $608 · $7,296/yr
- Likely covers
- waterpool
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 20 events
-
2026-05-13price $164,900
-
2026-03-31$170,000 Active
-
2017-08-16soldstatus $84,000
-
2017-08-11soldstatus $84,000 Sold 455-char remark
Show marketing remark (455 chars)
Wonderful quiet and well maintained condo. Only on neighbor and they are under you! Top floor with windows all around. Feels more like a house then a condo. This unit over looks the pool. Entire unit is tiled with 18x18 tile. Kitchen has a pass through to the dining area. Bedrooms are split. Large indoor laundry with a whole home water purification system. New AC in 2014! This is the only unit in Oak lake with this layout, must see! Shady parking too!
-
2017-07-07status Pending 455-char remark
Show marketing remark (455 chars)
Wonderful quiet and well maintained condo. Only on neighbor and they are under you! Top floor with windows all around. Feels more like a house then a condo. This unit over looks the pool. Entire unit is tiled with 18x18 tile. Kitchen has a pass through to the dining area. Bedrooms are split. Large indoor laundry with a whole home water purification system. New AC in 2014! This is the only unit in Oak lake with this layout, must see! Shady parking too!
-
2017-06-24$89,999 Active 455-char remark
Show marketing remark (455 chars)
Wonderful quiet and well maintained condo. Only on neighbor and they are under you! Top floor with windows all around. Feels more like a house then a condo. This unit over looks the pool. Entire unit is tiled with 18x18 tile. Kitchen has a pass through to the dining area. Bedrooms are split. Large indoor laundry with a whole home water purification system. New AC in 2014! This is the only unit in Oak lake with this layout, must see! Shady parking too!
-
2014-07-22soldstatus $59,000
-
2014-07-11soldstatus $59,000 Sold 697-char remark
Show marketing remark (697 chars)
Wonderful quiet and well maintained condo. Only one neighbor under you! You have the whole top floor with windows all around. Feels like a house rather than a condo. Beautiful views from living room of the pool and lake. The entire unit is tile in a 18x18 neutral tile. Nice layout kitchen with window and pass through to dining area. Split plan with master bedroom on one side and the other bedroom on the other. large laundry room with plenty of storage and whole house water purification system. Neutral pastel colors on walls easy access to beach and shopping and movie theater. A Must see. This unit has a unique floor plan unlike the others in the complex. Just installed 2014 brand new AC
-
2014-05-29historical 697-char remark
Show marketing remark (697 chars)
Wonderful quiet and well maintained condo. Only one neighbor under you! You have the whole top floor with windows all around. Feels like a house rather than a condo. Beautiful views from living room of the pool and lake. The entire unit is tile in a 18x18 neutral tile. Nice layout kitchen with window and pass through to dining area. Split plan with master bedroom on one side and the other bedroom on the other. large laundry room with plenty of storage and whole house water purification system. Neutral pastel colors on walls easy access to beach and shopping and movie theater. A Must see. This unit has a unique floor plan unlike the others in the complex. Just installed 2014 brand new AC
-
2014-05-09status Active 697-char remark
Show marketing remark (697 chars)
Wonderful quiet and well maintained condo. Only one neighbor under you! You have the whole top floor with windows all around. Feels like a house rather than a condo. Beautiful views from living room of the pool and lake. The entire unit is tile in a 18x18 neutral tile. Nice layout kitchen with window and pass through to dining area. Split plan with master bedroom on one side and the other bedroom on the other. large laundry room with plenty of storage and whole house water purification system. Neutral pastel colors on walls easy access to beach and shopping and movie theater. A Must see. This unit has a unique floor plan unlike the others in the complex. Just installed 2014 brand new AC
-
2014-05-03historical 697-char remark
Show marketing remark (697 chars)
Wonderful quiet and well maintained condo. Only one neighbor under you! You have the whole top floor with windows all around. Feels like a house rather than a condo. Beautiful views from living room of the pool and lake. The entire unit is tile in a 18x18 neutral tile. Nice layout kitchen with window and pass through to dining area. Split plan with master bedroom on one side and the other bedroom on the other. large laundry room with plenty of storage and whole house water purification system. Neutral pastel colors on walls easy access to beach and shopping and movie theater. A Must see. This unit has a unique floor plan unlike the others in the complex. Just installed 2014 brand new AC
-
2014-04-15price $61,900 697-char remark
Show marketing remark (697 chars)
Wonderful quiet and well maintained condo. Only one neighbor under you! You have the whole top floor with windows all around. Feels like a house rather than a condo. Beautiful views from living room of the pool and lake. The entire unit is tile in a 18x18 neutral tile. Nice layout kitchen with window and pass through to dining area. Split plan with master bedroom on one side and the other bedroom on the other. large laundry room with plenty of storage and whole house water purification system. Neutral pastel colors on walls easy access to beach and shopping and movie theater. A Must see. This unit has a unique floor plan unlike the others in the complex. Just installed 2014 brand new AC
-
2014-04-15historical Contingent - Inspections 697-char remark
Show marketing remark (697 chars)
Wonderful quiet and well maintained condo. Only one neighbor under you! You have the whole top floor with windows all around. Feels like a house rather than a condo. Beautiful views from living room of the pool and lake. The entire unit is tile in a 18x18 neutral tile. Nice layout kitchen with window and pass through to dining area. Split plan with master bedroom on one side and the other bedroom on the other. large laundry room with plenty of storage and whole house water purification system. Neutral pastel colors on walls easy access to beach and shopping and movie theater. A Must see. This unit has a unique floor plan unlike the others in the complex. Just installed 2014 brand new AC
-
2014-04-15price $59,900 697-char remark
Show marketing remark (697 chars)
Wonderful quiet and well maintained condo. Only one neighbor under you! You have the whole top floor with windows all around. Feels like a house rather than a condo. Beautiful views from living room of the pool and lake. The entire unit is tile in a 18x18 neutral tile. Nice layout kitchen with window and pass through to dining area. Split plan with master bedroom on one side and the other bedroom on the other. large laundry room with plenty of storage and whole house water purification system. Neutral pastel colors on walls easy access to beach and shopping and movie theater. A Must see. This unit has a unique floor plan unlike the others in the complex. Just installed 2014 brand new AC
-
2014-02-28$62,900 Active 697-char remark
Show marketing remark (697 chars)
Wonderful quiet and well maintained condo. Only one neighbor under you! You have the whole top floor with windows all around. Feels like a house rather than a condo. Beautiful views from living room of the pool and lake. The entire unit is tile in a 18x18 neutral tile. Nice layout kitchen with window and pass through to dining area. Split plan with master bedroom on one side and the other bedroom on the other. large laundry room with plenty of storage and whole house water purification system. Neutral pastel colors on walls easy access to beach and shopping and movie theater. A Must see. This unit has a unique floor plan unlike the others in the complex. Just installed 2014 brand new AC
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2006-04-27historical
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2006-03-24$150,000
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2003-11-19soldstatus $78,800
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2000-06-07soldstatus $48,000
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1981-04-01soldstatus $51,500
ⓘ 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
- $966 · $80/mo
- Projected year-2 tax
- $1,369 · $114/mo
- Expected delta
- +$403/yr (+$34/mo · 41.8%)
ⓘ 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 ≥107°F today · 26 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $23,285
- − Mortgage interest
- −$9,237
- − Property taxes
- −$966
- − Insurance
- −$824
- − Repairs & maintenance
- −$1,863
- − Management
- −$1,863
- − HOA
- −$7,296
- − Depreciation
- −$4,797
- Taxable loss
- −$3,561
- Est. tax savings @ 24.0%
- +$855
- After-tax cash flow
- $-214/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 — Clearwater
- Score
- 82/100
- State rank
- #60
- US rank
- #988
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Clearwater, FL
- County
- Pinellas County · 939,478 people
- City population
- 170,933
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 21,146
- Household income
- $54,794
- Rent vs Own
- Severe rent burden
- 753.0
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 White (72%)
- Race & ethnicity
- White 72% Hispanic / Latino 17% Two or more races 9% Black 4% Asian 2%
- Hispanic origin (detail)
- Mexican 5% Puerto Rican 3% Cuban 1%
- Common ancestry
- Romanian 3% Lithuanian 2% Slovak 2%
- Foreign-born
- 15% · Canada, Jamaica, Vietnam
- Languages at home
- 81% English-only · Spanish 10% Other Indo-European 3% Russian/Polish/Slavic 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
- ▼ -439.90%
- Current HPI
- 265.3099
- Rent YoY
- ▼ -2.63%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+220.2% since first listed20 events — show timeline
- 2026-05-13 Price Changed $164,900 Stellar MLS as Distributed by MLS Grid
- 2026-03-31 Listed $170,000 Stellar MLS as Distributed by MLS Grid
- 2017-08-16 Sold (Public Records) $84,000 Public Records
- 2017-08-11 Sold (MLS) $84,000 Stellar MLS as Distributed by MLS Grid
- 2017-07-07 Pending — Stellar MLS as Distributed by MLS Grid
- 2017-06-24 Listed $89,999 Stellar MLS as Distributed by MLS Grid
- 2014-07-22 Sold (Public Records) $59,000 Public Records
- 2014-07-11 Sold (MLS) $59,000 Stellar MLS as Distributed by MLS Grid
- 2014-05-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2014-05-09 Relisted — Stellar MLS as Distributed by MLS Grid
- 2014-05-03 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2014-04-15 Contingent — Stellar MLS as Distributed by MLS Grid
- 2014-04-15 Price Changed $61,900 Stellar MLS as Distributed by MLS Grid
- 2014-04-15 Price Changed $59,900 Stellar MLS as Distributed by MLS Grid
- 2014-02-28 Listed $62,900 Stellar MLS as Distributed by MLS Grid
- 2006-04-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2006-03-24 Listed $150,000 Stellar MLS as Distributed by MLS Grid
- 2003-11-19 Sold (Public Records) $78,800 Public Records
- 2000-06-07 Sold (Public Records) $48,000 Public Records
- 1981-04-01 Sold (Public Records) $51,500 Public Records
Property tax history
+1.6%/yrLatest (2025): $966 · +7.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…