Cost Segregation Analysis for an Apartment Building in Saint Petersburg, FL

apartment cost segregation case study saint petersburg fl

Narrative

In 2024, the owners of a three-story apartment building in Saint Petersburg, Florida, comprising 102 units and encompassing 84,819 square feet, undertook strategic tax planning to enhance their investment's financial performance. Originally constructed in 2023, the building features a durable fiber cement exterior, large aluminum windows, and well-appointed interior amenities such as high-efficiency HVAC systems, water heaters, and contemporary lighting fixtures. The property also includes a pool, recreational facilities, and ample parking spaces.

The owners engaged Engineered Tax Services (ETS) to perform a comprehensive cost segregation study, aiming to identify and reclassify specific assets into shorter depreciation life categories. This approach would enable accelerated depreciation and optimize tax benefits for the property.

Objective

The primary objective was to identify and classify the apartment building's assets accurately, optimizing the owners' tax savings. By reallocating components into shorter depreciation life categories, ETS aimed to provide immediate and long-term financial benefits through accelerated depreciation.

Methodology

ETS employed a detailed, engineering-based approach, which included:

  1. Physical Inspection: conducting a thorough site visit to identify and photograph the property's components
  2. Document Review: examining architectural plans, construction documents and accounting records
  3. Cost Analysis: applying engineering principles to allocate costs to specific asset classifications
  4. Depreciation Calculation: calculating depreciation using IRS-accepted methods such as the Modified Accelerated Cost Recovery System (MACRS)

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Asset Allocation

5-Year Class Life

Total Depreciation Allocation: $7,349,772.51 

Percentage of Total Depreciable Basis: 35.03%

5-year class life assets identified in this study include:

  • Electrical systems (specialized equipment)
  • Appliances (refrigerators, dishwashers, ovens)
  • Furniture and fixtures (cabinets, shelving, countertops)
  • Interior finishes (flooring, ceiling fans, wall treatments)
  • Communication and security systems

15-Year Class Life

Total Depreciation Allocation: $1,513,818.27 

Percentage of Total Depreciable Basis: 7.21%

15-year class life assets identified in this study include:

  • Land improvements (parking spaces, sidewalks, fences, landscaping)
  • Recreational facilities (pool, pool deck)
  • Site utilities and infrastructure (lighting, signage)

39-Year Class Life

Total Depreciation Allocation: $12,119,609.22 

Percentage of Total Depreciable Basis: 57.76%

39-year class life assets identified in this study include:

  • Structural components (walls, doors, windows, roofing)
  • Building systems (HVAC, plumbing, electrical distribution)
  • Permanent fixtures (restroom fixtures, emergency lighting)
  • Interior construction (drywall partitions, flooring, ceilings)

Class Life Details:

Summary

The cost segregation study for this apartment building in Saint Petersburg, FL, demonstrates the substantial financial advantages of strategic tax planning. By reclassifying property components into shorter depreciation categories, the study enabled accelerated depreciation, resulting in maximized tax savings and improved cash flow. This approach not only enhanced the property's profitability but also allowed for more efficient capital management and future property upgrades.

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