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$389,500

For Sale - Active
12264 103rd St, Largo, FL 33773
3 Beds
2 Baths
1,253 Square Feet
0.00 Acres Lot
Built in 1973
For Sale - Active
1 Units
Checked: 1 day ago
Updated: Jul 16, 2025 at 08:22AM

Investment Summary


Monthly Cash Flow
-$611
Cap Rate
4.3%
Cash-on-Cash Return
-8.2%
Debt Coverage Ratio
0.69
Internal Rate of Return (5 years)
-3.9%

Property Description


0.00 Acres Lot
Built in 1973
For Sale - Active
1 Units

LOCATION, LOCATION, LOCATION! Located in a quiet neighborhood only 5 miles to Indian Rocks Beach, and less than 2 miles to the Largo Mall area, this home is surrounded by amenities - shopping, restaurants, grocery, hospital and the beach, and NOT IN A FLOOD ZONE! Enjoy your own private, landscaped fenced-in patio area with extended pavers, an outdoor grill and patio tables to remain! Inside the home you will find New Laminate Flooring in the bedrooms and living areas, new Pantry, Cabinets and SS Refrigerator in the kitchen, along with New Built-in Shelving in the bedroom. For added comfort, not only will you find ceiling fans in all the rooms, but New Insulation was installed throughout the home, New Roof and a New A/C unit was installed in 2024. Peace of mind is also top priority with a monitored Security System installed on all doors and windows. FURNISHINGS NEGOTIABLE!

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Location


Property Details


Parking

  • Description: Attached, Driveway, Garage, Paved, GarageDoorOpener
  • Details: Attached, Driveway, Garage, Paved, Garage Door Opener
  • Garage Spaces: 1
  • Spaces Total: 0

Bedroom Information

  • # of Bedrooms: 3

Bathroom Information

  • # of Baths (Full): 1
  • # of Baths (Partial): 1
  • # of Baths (Total): 2.0

Interior Features

  • # of Stories: 1

Exterior Features

  • Exterior Walls Materials: Stucco
  • Roof Type: Gable
  • Roof Material: Shingle

Land Information

  • Land Use: Residential
  • Land Use Subtype: Single Family Residential

Lot Information

  • Parcel ID: 103015474940000320
  • Lot Size: 0 sqft

Property Information

  • Property Type: Single Family Residence
  • Style: Other, Ranch, One Story
  • Year Built: 1973

Tax Information

  • Annual Tax: $4,923

Utilities

  • Water & Sewer: Public
  • Heating: Central, Electric
  • Cooling: Central Air, Ceiling Fan(s), Electric

Location

  • County: Pinellas

Listing Details


Listed by:
Nicole Robinson
Miloff Aubuchon Realty Group
(239) 233-1020

Source:
Florida Gulf Coast Multiple Listing Service
MLS#: 225009081
Florida Gulf Coast Multiple Listing Service

Investment Summary


Monthly Cash Flow
-$611
Cap Rate
4.3%
Cash-on-Cash Return
-8.2%
Debt Coverage Ratio
0.69
Internal Rate of Return (5 years)
-3.9%

Purchase Details

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Purchase price:
$389,500
Amount financed:
-$311,600
Down payment:
$77,900
Closing costs:
$11,685
Rehab costs:
$0
Initial cash invested:
$89,585
Square feet:
1,253
Cost per square foot:
$311
Monthly rent per square foot:
$2.08

Financing Details

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Loan amount:
$311,600
Loan to value ratio:
80.0%
Loan type:
Amortizing
Term:
30 years
Interest rate:
6.625%
Principal & interest:
$1,995
Property tax:
$410
Insurance:
$182
Private mortgage insurance (PMI):
$0
Monthly payment:
$2,587

Operating Income

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% Rent Monthly Yearly
Gross rent:
$2,600 $31,200
Vacancy loss: (6%)
6% -$156 -$1,872
Operating income:
$2,444 $29,328

Operating Expenses


% Rent Monthly Yearly
Property taxes: (16%)
16%-$410-$4,923
Insurance: (7%)
7%-$182-$2,184
Property management: (8%)
8%-$208-$2,496
Repairs & maintenance: (5%)
5%-$130-$1,560
Capital expenditures: (5%)
5%-$130-$1,560
HOA fees: (n/a)
n/an/an/a
Total operating expenses: (41%)
41%-$1,060-$12,723

Cash Flow


Monthly Yearly
Net operating income:
$1,384 $16,608
Mortgage payments:
-$1,995 -$23,940
Cash flow:
$611 $7,332