5729 13th Ave N Unit 102D · St. Petersburg, FL 33710

$125,000

2 bd · 2.0 ba · 1,030 sqft · Condo public records · 11 Days on market

Built 1969 $506/mo HOA · 25% of rent

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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 +22.8/30.0
• 1% rule +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +7.3/10.0
• Schools +4.3/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

What a bargain! This condo has it all - 2 bedrooms, 2 baths, inside utility with newer full size washer & dryer, covered parking, side by side stainless steel refrigerator, dishwasher, laminate floor in kitchen, Florida room that opens onto a courtyard, newer windows & exterior doors and - not in an evacuation zone!

Key facts

• Hurricane windows
• Newer flooring
• Brand new dishwasher

Tags

• HURRICANE WINDOWS
• NEWER FLOORING
• FULL SIZE WASHER AND DRYER
• STAINLESS STEEL REFRIGERATOR
• BRAND NEW DISHWASHER
• LANDSCAPED COURTYARD

Property features AI

Finance

• Other: Public road (asphalt) with public maintenance; Lot within 2 to less than 5 acres (approx. 2.13 acres)
• Financial info: Land lease $165 (if applicable); Total annual association fees $6,072
• HOA & community: HOA with monthly fee required; Monthly condo/association fee $506; Association fee includes water, sewer, trash, maintenance (structure & grounds), management, and escrow reserves; Association amenities include vehicle restrictions; Community features: buyer approval required, deed restrictions, reclaimed water irrigation, sidewalks, street lights; Pets allowed: cats and dogs (with number and size limits)

Exterior

• Parking: Assigned parking; Guest parking; On-street parking; 1-car carport
• Security: Fire alarm; Security lights; Smoke detectors
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected; Cable available; Phone available; High-speed internet available; Fire hydrant
• Home design: Condominium; Residential property; One-level unit on floor 1; Faces south; 3-story building; Entry on slab foundation
• Construction: Block construction; Membrane roof
• Exterior features: Outdoor lighting; Outdoor grill; Sidewalks; Sprinkler meter; Irrigation equipment

Interior

• Kitchen: Built-in oven; Cooktop; Dishwasher; Disposal; Range hood; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Recycled/composite flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Living room/dining room combo; Thermostat; Window treatments; Double pane windows; Storm windows; Built-in elevator (building)
• Laundry & utility: Washer hookup; Dryer hookup; Electric dryer hookup; Inside laundry with laundry closet; Common area laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $125k.

Deal economics

• At list price, monthly cash flow is $217 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Cap rate 8.4% 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.
• Market conditions: Rents soft (-0.5%/yr); 313 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 31% of the median local income ($79k/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 $864 of loan paydown is wiped out by about $4k 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 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 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.

Risks & watch-outs

• Watch-outs: HOA is 25% 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 $125,000

Questions for the listing agent

1. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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 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: 1.60% ✓
• Cap rate: 8.38%
• Cash-on-cash: 7.44%
• DSCR: 1.33
• GRM: 5.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -9.8%
• Equity multiple: 0.66×
• Total profit: $-11,961
• Equity at exit: $18,638

10-year hold

• IRR: -7.9%
• Equity multiple: 0.60×
• Total profit: $-13,910
• Equity at exit: $10,808

Cash invested: $35,000 (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 33710

• Rents YoY: -0.5%
• Active inventory: 313
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $2,001 high
• Mortgage (P&I): −$656
• Tax from tax record: −$150 /mo · $1,802/yr
• Insurance: −$52
• HOA: −$506
• Vacancy / Maint / Mgmt: −$420
• Net cashflow: $217

Break-even live

Break-even rent $1,726

Max offer price $125,000

Occupancy floor 84%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5330 11th Ave N Saint Petersburg, FL	2.0	1.0	756	$1,800	$2.38	4d	1	0.35mi
5318 9th Ave N Saint Petersburg, FL	3.0	2.0	1142	$2,600	$2.28	4d	1	0.44mi
5701 21st Ave N Saint Petersburg, FL	1.0–2.0	1.0	775	$1,899	$2.45	8d	3	0.44mi
1108 Winchester Rd N St Petersburg, FL	3.0	1.0	1011	$1,800	$1.78	20d	1	0.45mi
5860 22nd Ave N Apt 5 St. Petersburg, FL	2.0	1.0	800	$1,300	$1.62	24d	1	0.45mi
5900 22nd Ave N Unit 1 St. Petersburg, FL	3.0	2.0	1100	$1,999	$1.82	18d	1	0.46mi
5900 22nd Ave N Unit 14 St. Petersburg, FL	2.0	1.0	1000	$1,650	$1.65	14d	1	0.46mi
5900 22nd Ave N Saint Petersburg, FL	3.0	1.0	1100	$1,950	$1.77	4d	1	0.46mi
2176 Winchester Rd N #2 Saint Petersburg, FL	3.0	2.0	1080	$2,250	$2.08	15d	1	0.51mi
5521 5th Ave N Saint Petersburg, FL	2.0	1.0	952	$1,750	$1.84	4d	1	0.54mi
441 57th St N Saint Petersburg, FL	2.0	1.0	1160	$1,950	$1.68	3d	1	0.58mi
6080 22nd Ave N #5 Saint Petersburg, FL	2.0	2.0	890	$1,725	$1.94	24d	1	0.59mi
6080 22nd Ave N #3 Saint Petersburg, FL	2.0	2.0	900	$1,825	$2.03	4d	1	0.59mi
6080 22nd Ave N #3 Saint Petersburg, FL	2.0	2.0	890	$1,825	$2.05	24d	1	0.59mi
4942 Oxford Ave N Saint Petersburg, FL	2.0	1.0	776	$1,700	$2.19	24d	1	0.62mi
430 55th St N Saint Petersburg, FL	2.0	1.5	735	$1,850	$2.52	8d	1	0.63mi
5919 4th Ave N Saint Petersburg, FL	2.0	1.0	1053	$2,650	$2.52	4d	1	0.68mi
5545 3rd Ave N Saint Petersburg, FL	2.0	1.0	962	$2,400	$2.49	4d	1	0.72mi
630 50th St N Saint Petersburg, FL	2.0	1.0	1085	$2,070	$1.91	24d	1	0.73mi
5428 Burlington Ave N Saint Petersburg, FL	2.0	1.0	726	$2,150	$2.96	24d	1	0.83mi
5762 2nd Ave N Saint Petersburg, FL	2.0	1.0	843	$2,000	$2.37	4d	1	0.86mi
6366 Hampton Dr N Saint Petersburg, FL	3.0	1.0	924	$1,995	$2.16	4d	1	0.88mi
2819 53rd St N Saint Petersburg, FL	2.0	1.0	900	$1,995	$2.22	4d	1	0.89mi
1101 46th St N Saint Petersburg, FL	2.0	1.0	1300	$2,300	$1.77	4d	1	0.95mi
4594 10th Ave N Saint Petersburg, FL	3.0	2.0	1432	$3,100	$2.16	24d	1	0.97mi
5050 2nd Ave N Saint Petersburg, FL	2.0	1.0	816	$1,495	$1.83	4d	1	1.02mi
4526 6th Ave N Saint Petersburg, FL	2.0	1.0	888	$1,950	$2.20	4d	1	1.12mi
5034 2nd Ave S Unit A St. Petersburg, FL	2.0	1.0	1062	$1,950	$1.84	4d	1	1.24mi
5055 3rd Ave S Saint Petersburg, FL	3.0	2.0	1254	$2,100	$1.67	4d	1	1.26mi
1803 42nd Way N Saint Petersburg, FL	2.0	2.0	1421	$4,200	$2.96	24d	1	1.27mi
4148 11th Ave N Saint Petersburg, FL	2.0	1.0	806	$2,000	$2.48	24d	1	1.30mi
4136 13th Ave N Saint Petersburg, FL	3.0	2.0	1154	$2,600	$2.25	11d	1	1.30mi
4218 24th Ave N Saint Petersburg, FL	2.0	1.0	1121	$1,925	$1.72	4d	1	1.32mi
4227 5th Ave N Saint Petersburg, FL	2.0	1.0	930	$2,100	$2.26	4d	1	1.33mi
1699 68th St N Saint Petersburg, FL	3.0	1.0–2.0	775	$1,975	$2.55	2d	43	1.36mi
5156 5th Ave S Saint Petersburg, FL	3.0	1.0	1139	$1,995	$1.75	24d	1	1.38mi
6221 5th Ave S Saint Petersburg, FL	3.0	2.0	924	$2,050	$2.22	4d	1	1.40mi
6190 36th Ave N Saint Petersburg, FL	2.0	1.0	1008	$2,500	$2.48	4d	1	1.40mi
4948 5th Ave S Saint Petersburg, FL	3.0	1.5	1379	$2,450	$1.78	4d	1	1.43mi
641 Folsom St S Saint Petersburg, FL	2.0	1.0	852	$2,250	$2.64	22d	1	1.45mi

HOA detail condo

• Monthly dues: $506 · $6,072/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 7 events

1. 2026-06-16
   days on market $125,000 Active 11 DOM
2. 2026-06-15
   days on market $125,000 Active 10 DOM
3. 2026-06-13
   days on market $125,000 Active 8 DOM
4. 2026-06-09
   days on market $125,000 Active 4 DOM
5. 2026-06-08
   days on market $125,000 Active 3 DOM
6. 2026-06-07
   remarks 699-char remark
7. 2026-06-07
   listed $125,000 Active 2 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: $1,802 · $150/mo
• Projected year-2 tax: $1,802 · $150/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: $24,012
• − Mortgage interest: −$7,002
• − Property taxes: −$1,802
• − Insurance: −$625
• − Repairs & maintenance: −$1,921
• − Management: −$1,921
• − HOA: −$6,072
• − Depreciation: −$3,636
• Taxable income: $1,032
• Est. tax owed @ 24.0%: −$248
• After-tax cash flow: $2,356/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): 33,796
• Household income: $78,611
• Rent vs Own: 18.1% rent · 81.9% own
• Severe rent burden: 542.0

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 (77%)
• Race & ethnicity: White 77% Two or more races 10% Hispanic / Latino 9% Asian 5% Black 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 2%
• Common ancestry: Lithuanian 3% Romanian 3% Slovak 2%
• Foreign-born: 12% · Canada, Vietnam, China
• Languages at home: 85% English-only · Spanish 7% Other Indo-European 2% Russian/Polish/Slavic 2%

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: ▼ -547.31%
• Current HPI: 405.0731
• Rent YoY: ▼ -0.48%
• 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

+110.1% since first listed

5 events — show timeline

• 2026-06-05 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2007-02-21 Sold (Public Records) $110,000 Public Records
• 2007-02-14 Sold (MLS) $110,000 Stellar MLS as Distributed by MLS Grid
• 2006-09-02 Listed $112,000 Stellar MLS as Distributed by MLS Grid
• 2004-03-25 Sold (Public Records) $59,500 Public Records

Property tax history

+10.3%/yr

Latest (2025): $1,802 · +3677.6% YoY. Source: county tax records.