713 Lucaya Loop #1301 · Four Corners, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 8/10 · Major
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D 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).
- 1% rule +8.0/10.0
- Cash flow +7.7/30.0
- ARV discount +7.5/15.0
- Appreciation +4.7/10.0
- Schools +3.5/10.0
- Livability +3.5/5.0
- Condition / age +2.5/5.0
- DSCR +1.8/10.0
- Rent growth +1.8/5.0
$180,713
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
Key facts
- Gated community
- Tennis court
- Lush landscaping
Tags
Property features AI
Finance
- Other: Unit is in a resort-style community with shared recreational amenities
- Financial info: Total annual association fees approximately $9,802.92; No lease restrictions indicated; Furnished: Yes
- HOA & community: Monthly association fee approximately $816.91; Association amenities include clubhouse, fitness center, pool, park, playground, tennis and shuffleboard courts, trails, recreation facilities, cable TV, internet, maintenance, security; On-site property manager; Association approval not required for purchase
Exterior
- Parking: Paved/asphalt road access
- Security: Gated community; Security gate; 24-hour guard (included in association fees)
- Utilities: Public water; Public sewer; Electricity connected; Cable connected; BB/HS Internet available; Phone available; Underground utilities
- Home design: Condominium; 3 stories total; Facing south; Entry level: One
- Construction: Cement siding; Shingle roof; Slab foundation; Built as part of a multi-story building
- Exterior features: Covered patio/porch; Front porch; Rear porch; Screened porch; Balcony; Sidewalks; Mature landscaping with trees
Interior
- Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Solid surface counters; Eat-in kitchen
- Bedrooms: 3 bedrooms (one on third floor)
- Flooring: Carpet; Tile
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating (electric); Central air
- Interior features: Ceiling fans; Eat-in kitchen; High ceilings; Living room/dining room combo; Solid surface counters; Thermostat; Walk-in closets; Window treatments
- Laundry & utility: Washer hookup; Dryer hookup (electric); Inside laundry room; Inside utility
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath condo listed at $181k.
Deal economics
- At list price, monthly cash flow is $-206 ($-2k/yr) — negative.
- To cash-flow at today's rent, offer at most $151k (16.5% below list).
- Meets the 1% rule at list price ($2k rent vs $181k).
- Recommended offer: $151k (16.5% below list) — sets the bar for cash-flow.
- Cap rate 4.9% vs local median 3.2% in Four Corners — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 69/100 on livability (#453 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A-; Watch: amenities F, health & safety F.
- Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Loughman Oaks Elementary School (math 36% / reading 36%, grade F, #1,670 of 2,144 statewide, top 78%, 1,052 students, 37% FRL); Lake Alfred Polytech Academy (math 41% / reading 43%, grade D-, #340 of 571 statewide, top 61%, 645 students, 59% FRL); Davenport High School (2,333 students, 37% FRL) — zoned schools average 44% FRL vs 60% district-wide (15 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents soft (-2.7%/yr); 648 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
- This rent runs 40% of the median local income ($71k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- In year one you build about $149 of equity ($1k loan paydown + $-1k appreciation (-0.6% local appreciation)).
- Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 247 days — a 12% lower offer ($159k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 8y ago; this cycle's ask has dropped $19k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $134k; 35% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: HOA is 35% of rent.
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 247 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.30% ✓
- Cap rate
- 4.92%
- Cash-on-cash
- -4.89%
- DSCR
- 0.78
- GRM
- 6.4
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-0.61% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -13.8%
- Equity multiple
- 0.41×
- Total profit
- $-29,893
- Equity at exit
- $47,037
- IRR
- -11.5%
- Equity multiple
- 0.03×
- Total profit
- $-49,321
- Equity at exit
- $52,365
Cash invested: $50,600 (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
ZIP-level market 33897
- Home prices YoY
- -0.3%
- Rents YoY
- -2.7%
- Active inventory
- 648
- Price-to-rent
- 6.4×
Monthly cashflow live
- Estimated rent
- $2,353 high interval (Pro) →
- Mortgage (P&I)
- −$948
- Tax est. 1.5%
- −$226 /mo · $2,711/yr
- Insurance
- −$75
- HOA
- −$816
- Vacancy / Maint / Mgmt
- −$494
- Net cashflow
- $-206
Break-even live
Sensitivity live
| Price | -10% $-81 | -5% $-144 | +0% $-206 | +5% $-269 | +10% $-331 |
|---|---|---|---|---|---|
| Rent | -10% $-392 | -5% $-299 | +0% $-206 | +5% $-113 | +10% $-20 |
| Rate | -1.0pp $-115 | -0.5pp $-160 | base $-206 | +0.5pp $-253 | +1.0pp $-301 |
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
- $45,178
- Closing costs
- $5,421
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 226 Hillcrest Dr Davenport, FL | 4.0 | 2.0 | 1488 | $2,500 | $1.68 | 25d | 1 | 0.08mi |
| 515 Corso Ln Davenport, FL | 2.0–3.0 | 2.5 | 1402 | $2,495 | $1.78 | 5d | 13 | 0.18mi |
| 304 New Providence Promenade Unit 304 Davenport, FL | 3.0 | 2.0 | 1227 | $1,495 | $1.22 | 25d | 1 | 0.22mi |
| 603 New Providence Promenade #603 Davenport, FL | 3.0 | 2.0 | 1227 | $1,550 | $1.26 | 25d | 1 | 0.29mi |
| 906 Berwick Dr Davenport, FL | 3.0 | 2.0 | 1527 | $2,600 | $1.70 | 21d | 1 | 0.34mi |
| 625 Rochester Loop Davenport, FL | 4.0 | 2.0 | 1895 | $2,350 | $1.24 | 25d | 1 | 0.42mi |
| 2572 Biscotto Cir Davenport, FL | 4.0 | 2.0 | 1983 | $2,700 | $1.36 | 0d | 1 | 0.43mi |
| 740 Brunello Dr Unit 1018164P Davenport, FL | 4.0 | 3.5 | 1754 | $2,806 | $1.60 | 21d | 1 | 0.47mi |
| 1301 Tuscan Hills Blvd Unit 9406 1 Davenport, FL | 2.0 | 2.0 | 1134 | $2,200 | $1.94 | 25d | 1 | 0.56mi |
| 9160 Olmo Ct Davenport, FL | 3.0 | 2.0 | 2244 | $2,395 | $1.07 | 19d | 1 | 0.60mi |
| 309 Catfish Dr E Davenport, FL | 3.0 | 2.0 | 1454 | $1,895 | $1.30 | 25d | 1 | 0.61mi |
| 9035 Carlotta Way Kissimmee, FL | 3.0 | 2.5 | 1674 | $2,000 | $1.19 | 22d | 1 | 0.65mi |
| 807 Chelsea Dr Davenport, FL | 2.0 | 2.5 | 1076 | $1,450 | $1.35 | 25d | 1 | 0.69mi |
| 183 Ashbourne Way Davenport, FL | 1.0–3.0 | 1.0–2.0 | 1039 | $2,200 | $2.12 | 5d | 35 | 0.72mi |
| 1009 Lake Davenport Blvd Davenport, FL | 3.0 | 2.0 | 1630 | $2,199 | $1.35 | 16d | 1 | 0.73mi |
| 206 Scaton Way Davenport, FL | 2.0 | 2.5 | 1530 | $1,750 | $1.14 | 15d | 1 | 0.75mi |
| 222 Bexley Dr Davenport, FL | 2.0 | 2.5 | 1313 | $2,000 | $1.52 | 25d | 1 | 0.76mi |
| 2329 Distant Sun Trl Unit 1263248P Kissimmee, FL | 4.0 | 4.5 | 2195 | $5,033 | $2.29 | 9d | 1 | 0.77mi |
| 629 Allison Ave Davenport, FL | 3.0 | 2.0 | 1524 | $2,500 | $1.64 | 25d | 1 | 0.83mi |
| 1560 Chelsea Dr Davenport, FL | 3.0 | 2.5 | 1528 | $2,100 | $1.37 | 25d | 1 | 0.83mi |
| 2010 Limetta DR Davenport, FL | 1.0–3.0 | 1.0–2.0 | 1178 | $2,429 | $2.06 | 5d | 15 | 0.85mi |
| 2818 Roccella Ct Kissimmee, FL | 4.0 | 2.5 | 2140 | $2,899 | $1.35 | 12d | 1 | 0.85mi |
| 2826 Roccella Ct Kissimmee, FL | 4.0 | 2.0 | 1694 | $2,785 | $1.64 | 9d | 1 | 0.88mi |
| 315 Allison Ave Davenport, FL | 3.0 | 2.0 | 1180 | $2,400 | $2.03 | 25d | 1 | 0.90mi |
| 1492 Mirabella Cir Davenport, FL | 3.0 | 2.0 | 1435 | $1,995 | $1.39 | 25d | 1 | 0.92mi |
| 1492 Mirabella Cir Davenport, FL | 3.0 | 2.5 | 1435 | $1,950 | $1.36 | 16d | 1 | 0.92mi |
| 1536 Mirabella Cir Unit 1536 Davenport, FL | 3.0 | 2.5 | 1567 | $2,100 | $1.34 | 25d | 1 | 0.92mi |
| 1460 Mirabella Cir Davenport, FL | 3.0 | 2.5 | 1505 | $1,895 | $1.26 | 16d | 1 | 0.93mi |
| 1513 Mirabella Cir Davenport, FL | 3.0 | 2.5 | 1594 | $1,950 | $1.22 | 25d | 1 | 0.93mi |
| 605 Blake Ave Davenport, FL | 4.0 | 2.0 | 1855 | $2,200 | $1.19 | 25d | 1 | 0.93mi |
| 1556 Mirabella Cir Davenport, FL | 3.0 | 2.5 | 1371 | $1,950 | $1.42 | 5d | 1 | 0.93mi |
| 1483 Mirabella Cir Davenport, FL | 3.0 | 2.5 | 1501 | $1,850 | $1.23 | 16d | 1 | 0.94mi |
| 712 Brayton Ln Davenport, FL | 4.0 | 2.0 | 1925 | $2,180 | $1.13 | 5d | 1 | 0.94mi |
| 237 Somerset Dr Davenport, FL | 2.0 | 1.0 | 1330 | $1,900 | $1.43 | 25d | 1 | 0.95mi |
| 183 Jocelyn Dr Davenport, FL | 4.0 | 2.0 | 1874 | $2,400 | $1.28 | 21d | 1 | 0.95mi |
| 904 Charo Pkwy #517 Davenport, FL | 3.0 | 3.0 | 1217 | $1,800 | $1.48 | 25d | 1 | 1.00mi |
| 904 Charo Pkwy #533 Davenport, FL | 4.0 | 3.0 | 1437 | $1,795 | $1.25 | 16d | 1 | 1.00mi |
| 136 Grantham Dr Davenport, FL | 3.0 | 2.0 | 1799 | $1,995 | $1.11 | 5d | 1 | 1.02mi |
| 8966 Sugar Palm Rd Kissimmee, FL | 4.0 | 3.0 | 1912 | $3,200 | $1.67 | 25d | 1 | 1.05mi |
| 1316 Mirabella Cir Davenport, FL | 3.0 | 2.5 | 1489 | $2,050 | $1.38 | 25d | 1 | 1.07mi |
HOA detail condo
- Monthly dues
- $816 · $9,792/yr
- Likely covers
- waterinternetcablelandscapingpoolsecurity
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 25 events
-
2026-06-22days on market $180,713 Active 247 DOM
-
2026-06-18days on market $180,713 Active 244 DOM
-
2026-06-17days on market $180,713 Active 243 DOM
-
2026-06-16days on market $180,713 Active 242 DOM
-
2026-06-15days on market $180,713 Active 241 DOM
-
2026-06-13days on market $180,713 Active 239 DOM
-
2026-06-10days on market $180,713 Active 236 DOM
-
2026-06-09days on market $180,713 Active 235 DOM
-
2026-06-08days on market $180,713 Active 234 DOM
-
2026-06-07days on market $180,713 Active 233 DOM
-
2026-06-05days on market $180,713 Active 230 DOM
-
2026-06-03days on market $180,713 Active 228 DOM
-
2026-06-01days on market $180,713 Active 227 DOM
-
2026-06-01price $180,713 Active 226 DOM
-
2026-05-31days on market $189,713 Active 226 DOM
-
2026-02-06price $189,713
-
2025-10-17$199,713 Active
-
2019-07-03soldstatus $134,000 Sold 666-char remark
Show marketing remark (666 chars)
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
-
2019-06-17status Pending 666-char remark
Show marketing remark (666 chars)
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
-
2019-04-11price $144,999 666-char remark
Show marketing remark (666 chars)
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
-
2019-01-15price $149,000 666-char remark
Show marketing remark (666 chars)
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
-
2019-01-15status Active 666-char remark
Show marketing remark (666 chars)
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
-
2018-12-19status Pending 666-char remark
Show marketing remark (666 chars)
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
-
2018-12-10price $145,000 666-char remark
Show marketing remark (666 chars)
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
-
2018-09-25$149,950 Active 666-char remark
Show marketing remark (666 chars)
Incredible Platinum Rated 3 Bed 2 Bath condo in popular gated community of Bahama Bay Resort & Spa. This condo offers everything you need for an amazing Florida vacation. There is a beautiful living and dining room updated with modern furniture, flat screen TV, and washer/dryer. The Bahama Bay Resort offers lush landscaping and breathtaking views over Lake Davenport. The Community has first class facilities including: restaurant, walking trails, tennis court, volleyball, basketball, four heated pools, and a pier sitting on Lake Davenport to do some fishing. An all inclusive lifestyle with cable, water, Wi-Fi, 24 hour Security, all included in your HOA!
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 8/10 Severe 7 d/yr ≥107°F today · 23 d/yr by 30 yrs out
- Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $28,232
- − Mortgage interest
- −$10,123
- − Property taxes
- −$2,711
- − Insurance
- −$904
- − Repairs & maintenance
- −$2,259
- − Management
- −$2,259
- − HOA
- −$9,792
- − Depreciation
- −$5,257
- Taxable loss
- −$5,071
- Est. tax savings @ 24.0%
- +$1,217
- After-tax cash flow
- $-1,258/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
- Polk
- NCES district ID
- 1201590
- Math proficiency
- 39% ▼ -11.00%
- Reading proficiency
- 43% ▼ -4.00%
- Median HH income
- $43,979
- Composite
- 34.74/100
- National rank
- #5132
- State rank
- #62 of 73 in FL
Livability — Four Corners
- Score
- 69/100
- State rank
- #453
- US rank
- #8218
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Four Corners, FL
- County
- Polk County · 740,051 people
- City population
- 27,422
- Metro
- Lakeland-Winter Haven, FL
- Population (ZIP)
- 30,159
- Household income
- $70,982
- Rent vs Own
- Severe rent burden
- 926.0
Population outlook (Polk County) Hauer SSP2
- Today (2025)
- 752,975 people
- By 2030
- 804,621 · +6.9%
- By 2040
- 906,117 · +20.3%
- By 2050
- 1,000,476 · +32.9%
- By 2075
- 1,197,520 · +59.0%
- By 2100
- 1,271,518 · +68.9%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.61)
- Race & ethnicity
- White 45% Hispanic / Latino 43% Two or more races 12% Black 5% Asian 2%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 21% Cuban 2% Dominican 2%
- Common ancestry
- Romanian 2% Lithuanian 2% Serbian 1%
- Foreign-born
- 16% · Canada, Jamaica, China
- Languages at home
- 61% English-only · Spanish 34% Other Indo-European 1% French/Haitian/Cajun 1%
Political lean MEDSL · Polk
- 2024 margin
- Strong R (+20.7) · D 39.2% · R 59.9%
- 2008→2024 swing
- -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
- All cycles
- 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -0.61%
- Current HPI
- 236.2905
- Rent YoY
- ▼ -2.69%
- Metro
- Lakeland-Winter Haven, 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+26.5% since first listed10 events — show timeline
- 2026-02-06 Price Changed $189,713 Stellar MLS as Distributed by MLS Grid
- 2025-10-17 Listed $199,713 Stellar MLS as Distributed by MLS Grid
- 2019-07-03 Sold (MLS) $134,000 Stellar MLS as Distributed by MLS Grid
- 2019-06-17 Pending — Stellar MLS as Distributed by MLS Grid
- 2019-04-11 Price Changed $144,999 Stellar MLS as Distributed by MLS Grid
- 2019-01-15 Price Changed $149,000 Stellar MLS as Distributed by MLS Grid
- 2019-01-15 Relisted — Stellar MLS as Distributed by MLS Grid
- 2018-12-19 Pending — Stellar MLS as Distributed by MLS Grid
- 2018-12-10 Price Changed $145,000 Stellar MLS as Distributed by MLS Grid
- 2018-09-25 Listed $149,950 Stellar MLS as Distributed by MLS Grid
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…