100-County Underwriting Atlas › Florida › Hillsborough County

Hillsborough County, FL Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Hillsborough County PITIA Escrow Takeaway): In Hillsborough County, Florida, 1–4 unit investment properties carry an effective property tax rate of 0.94% ($341/mo on a $435,000 median acquisition) and landlord hazard/windstorm insurance averaging $890/yr per $100K ($323/mo), resulting in a combined monthly T&I escrow of $664/mo against a median Form 1007 rent of $3,250/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Hillsborough County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.94% ($341/mo)

Landlord Ins. / $100K

$890/yr ($323/mo)

1–4u Price / 75% Loan

$435,000 / $326,250

Form 1007 Median Rent

$3,250/mo

Hillsborough County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: Florida Non-Homestead Cap: Reassessed to market value at acquisition; subsequent non-homestead assessment increases capped at 10% per year (Save Our Homes non-homestead provision).
2. Hazard, Windstorm & Catastrophe Insurance Tier: Gulf Coast Wind + Flood Zone AE/VE Check
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: FL Documentary Stamp Tax ($0.70/$100 on deeds; $0.35/$100 on notes) + $0.20/$100 Non-Recurring Intangible Tax on new mortgage notes.
4. Wholesale Escrow & Tax-Reduction Strategy: On Florida cash-out refinances, assign existing note to pay doc stamps only on the new-money advance.

Price a Hillsborough County, FL DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Hillsborough County Term Sheet →Florida State Hub FL Market Report FL Deal Team