3107 E Osborne Ave · Tampa, FL 33610

$246,600

3 bd · 2.0 ba · 1,276 sqft · SingleFamily public records · 166 Days on market

Built 2001 4,791 sqft lot

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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 +20.2/30.0
• ARV discount +7.5/15.0
• DSCR +6.4/10.0
• Schools +4.2/10.0
• 1% rule +4.0/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

Key facts

• 4,791 sq ft lot
• Garage
• Built 2001

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $247k.

Deal economics

• At list price, monthly cash flow is $311 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $222k (9.8% below list).
• Recommended offer: $217k (12.0% 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: 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.
• Zoned schools: Potter Elementary School (math 32% / reading 22%, grade F, #1,969 of 2,144 statewide, top 94%, 472 students, 89% FRL); Mclane Middle School (math 20% / reading 20%, grade F, #558 of 571 statewide, top 98%, 817 students, 74% FRL); Middleton High School (math 23% / reading 51%, grade F, #340 of 667 statewide, top 52%, 1,511 students, 57% FRL) — zoned schools average 74% FRL vs 52% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 28% at this address vs 48% district-wide (-20 pts) — the specific schools serving this property underperform the Hillsborough average; the district grade overstates school quality for this exact location.
• Market conditions: Rents falling (-4.7%/yr); 282 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $2,223/mo this rent would consume 49% of the median local household income ($54k/yr) (locally 2431% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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 166 days — a 12% lower offer ($217k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $63k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $60k; list at $247k implies a 311% 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→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $217,008 (12.0% below list)

Questions for the listing agent

1. It's been on market 166 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.90% ✗
• Cap rate: 7.81%
• Cash-on-cash: 5.40%
• DSCR: 1.24
• GRM: 9.2

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: -11.0%
• Equity multiple: 0.61×
• Total profit: $-26,800
• Equity at exit: $36,769

10-year hold

• IRR: -6.0%
• Equity multiple: 0.66×
• Total profit: $-23,530
• Equity at exit: $21,321

Cash invested: $69,048 (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 33610

• Home prices YoY: -27.0%
• Rents YoY: -4.7%
• Active inventory: 282
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,223 high
• Mortgage (P&I): −$1,293
• Tax from tax record: −$49 /mo · $594/yr
• Insurance: −$103
• HOA: −$0
• Vacancy / Maint / Mgmt: −$467
• Net cashflow: $311

Break-even live

Break-even rent $1,830

Max offer price $246,600

Occupancy floor 81%

Sensitivity live

Price	-10% $450	-5% $381	+0% $311	+5% $241	+10% $171
Rent	-10% $135	-5% $223	+0% $311	+5% $399	+10% $487
Rate	-1.0pp $435	-0.5pp $374	base $311	+0.5pp $247	+1.0pp $182

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: $61,650
• Closing costs: $7,398
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3111 E Cayuga St Tampa, FL	4.0	2.0	1315	$2,250	$1.71	26d	1	0.19mi
3413 E Louisiana Ave #2 Tampa, FL	3.0	2.5	1489	$2,500	$1.68	26d	1	0.22mi
3212 E Emma St Tampa, FL	4.0	2.0	1332	$2,300	$1.73	5d	1	0.23mi
3001 E McBerry St Tampa, FL	3.0	2.0	1118	$1,945	$1.74	6d	1	0.28mi
2615 E Curtis St Tampa, FL	3.0	2.0	1572	$1,850	$1.18	22d	1	0.28mi
4303 N 30th St Tampa, FL	3.0	2.0	1260	$3,200	$2.54	3d	1	0.31mi
3205 E Shadowlawn Ave Tampa, FL	4.0	2.0	1293	$2,550	$1.97	1d	1	0.33mi
3002 E 38th Ave Tampa, FL	3.0	2.0	1413	$2,600	$1.84	26d	1	0.36mi
4204 N 29th St Tampa, FL	3.0	1.0	957	$1,800	$1.88	26d	1	0.45mi
3706 E Shadowlawn Ave Tampa, FL	3.0	1.0	1080	$1,950	$1.81	12d	1	0.57mi
4501 N 39th St Tampa, FL	4.0	1.0	1072	$1,595	$1.49	23d	1	0.58mi
3910 E Ellicott St Tampa, FL	2.0	1.0	950	$1,800	$1.89	26d	1	0.60mi
3724 E 38th Ave Tampa, FL	3.0	2.0	1188	$1,895	$1.60	26d	1	0.62mi
3705 E North Bay St Tampa, FL	3.0	2.0	969	$1,850	$1.91	5d	1	0.62mi
5203 N 39th St Tampa, FL	4.0	2.0	1600	$2,145	$1.34	0d	1	0.64mi
3022 Deleuil Ave Tampa, FL	3.0	2.0	1053	$1,850	$1.76	21d	1	0.66mi
3716 N 31st St Tampa, FL	3.0	2.0	1200	$1,895	$1.58	6d	1	0.66mi
2607 Lindell Ave Tampa, FL	4.0	2.0	1448	$2,395	$1.65	4d	1	0.70mi
5541 N 22nd St Tampa, FL	1.0–2.0	1.0–2.0	798	$1,950	$2.44	0d	28	0.81mi
2610 E Lake Ave Tampa, FL	3.0	2.0	1698	$2,250	$1.33	4d	1	0.81mi
3507 E 29th Ave Tampa, FL	3.0	2.0	928	$1,700	$1.83	26d	1	0.90mi
1709 E Chelsea St Unit F Tampa, FL	2.0	1.0	1041	$1,625	$1.56	25d	1	0.92mi
1711 E New Orleans Ave Tampa, FL	3.0	2.0	1136	$2,250	$1.98	22d	1	0.92mi
3107 Chipco St Tampa, FL	3.0	1.0	1268	$1,799	$1.42	26d	1	0.94mi
3409 E Paris St Tampa, FL	4.0	2.0	1375	$2,400	$1.75	26d	1	0.95mi
1608 E New Orleans Ave Tampa, FL	4.0	2.0	1254	$1,895	$1.51	16d	1	0.99mi
2007 E Henry Ave Tampa, FL	2.0	2.0	1278	$2,250	$1.76	26d	1	0.99mi
1517 E Ellicott St Tampa, FL	3.0	2.0	1292	$2,225	$1.72	18d	1	1.01mi
3001 E Jean St Tampa, FL	3.0	2.0	999	$1,695	$1.70	26d	1	1.03mi
2016 E Clifton St Unit A Tampa, FL	3.0	2.0	1250	$2,249	$1.80	26d	1	1.04mi
1602 E North Bay St Tampa, FL	3.0	2.0	1200	$2,100	$1.75	26d	1	1.07mi
1501 E Palifox St Tampa, FL	3.0	2.0	1248	$1,750	$1.40	15d	1	1.08mi
2205 Chipco St Tampa, FL	2.0	1.0	1100	$1,600	$1.45	26d	1	1.11mi
2224 E Hanna Ave Tampa, FL	3.0	2.0	1630	$2,166	$1.33	1d	1	1.11mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	12d	1	1.14mi
3511 Bishop Eddie Newkirk Way Tampa, FL	3.0	1.0	1056	$1,800	$1.70	26d	1	1.14mi
3517 Bishop Eddie Newkirk Way Tampa, FL	3.0	2.0	1200	$2,500	$2.08	26d	1	1.15mi
3624 E Fern St Tampa, FL	4.0	2.0	1235	$2,690	$2.18	26d	1	1.17mi
3411 E Lambright St Tampa, FL	3.0	1.5	1134	$1,950	$1.72	23d	1	1.18mi
1610 E Powhatan Ave Tampa, FL	3.0	2.0	1188	$3,250	$2.74	26d	1	1.20mi

Listing history 12 events

1. 2026-05-18
   status Pending 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

2. 2026-04-30
   status Active 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

3. 2026-04-20
   status Pending 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

4. 2026-03-06
   price $246,600 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

5. 2026-02-11
   price $265,000 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

6. 2026-02-11
   status Active 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

7. 2026-01-07
   status Active 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

8. 2025-12-23
   price $254,300 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

9. 2025-12-03
   price $265,400 435-char remark

   Show marketing remark (435 chars)

   Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

10. 2025-11-13
    price $284,500 435-char remark

    Show marketing remark (435 chars)

    Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

11. 2025-10-24
    listed $309,600 Active 435-char remark

    Show marketing remark (435 chars)

    Under contract-accepting backup offers. Auction Property. AUCTION. Here's your opportunity to establish your first home. This affordable 3 bed, 2 bath ranch is offered at a great price. Home has a separate living and dining area, and a 1 car attached garage. Home sits on a large lot and is located in an established Tamps location. Property is sold as-is with NO property disclosure or inspection reports. Don't miss your opportunity.

12. 2001-06-07
    soldstatus $60,000

ⓘ 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: $594 · $49/mo
• Projected year-2 tax: $2,047 · $171/mo
• Expected delta: +$1,453/yr (+$121/mo · 244.7%)

ⓘ 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 ≥109°F today · 26 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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,678
• − Mortgage interest: −$13,813
• − Property taxes: −$594
• − Insurance: −$1,233
• − Repairs & maintenance: −$2,134
• − Management: −$2,134
• − Depreciation: −$7,174
• Taxable loss: −$404
• Est. tax savings @ 24.0%: +$97
• After-tax cash flow: $3,828/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): 46,587
• Household income: $54,209
• Rent vs Own: 48.4% rent · 51.6% own
• Severe rent burden: 2431.0

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 0.62)
• Race & ethnicity: Black 55% Hispanic / Latino 22% White 17% Two or more races 13% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 7% Cuban 6%
• Common ancestry: Hispanic 2% Romanian 1% Slovak 1%
• Foreign-born: 18% · Canada
• Languages at home: 75% English-only · Spanish 18% French/Haitian/Cajun 3% Other Asian/Pacific 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: ▼ -158.81%
• Current HPI: 428.9741
• Rent YoY: ▼ -4.72%
• 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

+311.0% since first listed

12 events — show timeline

• 2026-05-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-30 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-06 Price Changed $246,600 Stellar MLS as Distributed by MLS Grid
• 2026-02-11 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-11 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-12-23 Price Changed $254,300 Stellar MLS as Distributed by MLS Grid
• 2025-12-03 Price Changed $265,400 Stellar MLS as Distributed by MLS Grid
• 2025-11-13 Price Changed $284,500 Stellar MLS as Distributed by MLS Grid
• 2025-10-24 Listed $309,600 Stellar MLS as Distributed by MLS Grid
• 2001-06-07 Sold (Public Records) $60,000 Public Records

Property tax history

+6.4%/yr

Latest (2025): $594 · +7.6% YoY. Source: county tax records.