A thirty mile radius drawn from South Tampa spends half its budget over water
Circles are the default targeting shape and they are the wrong shape for this metro.
Drop a thirty mile radius on a South Tampa address and a substantial part of the covered area is open bay, with much of the rest sitting on the far side of a bridge. The map says fifteen miles. Four in the afternoon says otherwise.
Target by county and by named city instead. Hillsborough as one geography, Pinellas and Pasco as another, with bid adjustments set from your own willingness to make the drive or to offer a remote first meeting.
Check the location report monthly rather than trusting the settings. Where clicks actually came from is the only place a bad geography reveals itself.
Exclude places you will not serve rather than hoping bidding sorts it out. Paying for a click from Hernando or Sarasota and then telling the caller no is the most expensive kind of politeness.