1220 Tahitian Sunrise Dr · Plant City, FL 33565

$330,000

5 bd · 3.0 ba · 2,674 sqft · SingleFamily public records · 248 Days on market

Built 2023 Good condition 6,253 sqft lot $123/sqft · 21% below area Est $419k · 21% under $9/mo HOA ↓ 26% since listing

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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).

• ARV discount +15.0/15.0
• Cash flow +8.2/30.0
• Condition / age +4.0/5.0
• Schools +3.9/10.0
• Livability +3.8/5.0
• 1% rule +3.7/10.0
• Rent growth +2.5/5.0
• DSCR +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Short Sale. Step into 1220 Tahitian Sunrise Drive, a thoughtfully upgraded 5-bedroom, 3-bath residence offering over 2,694 square feet of refined living space. This home blends luxury finishes with practical enhancements, creating a comfortable, high-end everyday living experience. The chef-inspired kitchen showcases beautiful wood cabinets, granite, an oversized island with drop-in sink and overhang for bar stools, full-height backsplash to the ceiling, large pantry and custom wine glass racks. Builder-grade fixtures have been replaced throughout with designer faucets, custom cabinet hardware, and elevated lighting in the living areas, stairway, and primary suite, giving the home a cohesive, upscale feel. Downstairs, off the foyer is a formal living/dining or sitting room. The foyer opens up to the kitchen, staircase, large living room, breakfast area, full bath, guest room and sliding glass doors to the huge backyard w/ peaceful pond views. The staircase has been redesigned with widened treads and an upscale railing, creating a striking architectural feature as you enter the home. Upstairs, luxury vinyl plank and tile flooring run throughout all four bedrooms and open loft/entertainment room and closets, offering durability and style with low maintenance. The spacious primary suite features two walk-in closets, dual sinks w/ designer mirrors, large shower w/ porcelain tile and rainfall showerhead, and a separate water closet. The North Park Isle community offers a beautiful resort-style pool with tennis, basketball & pickleball courts, a playground, dog park and even a kayak launch! Conveniently located just minutes from the new BayCare South Florida Hospital, as well as the entrance ramps to I-4. Schools, shopping and entertainment are all nearby as well! Schedule a showing today!

Key facts

• Designer faucets
• Oversized island
• Upscale railing

Tags

• CHEF INSPIRED KITCHEN
• OVERSIZED ISLAND
• CUSTOM WINE GLASS RACKS
• DESIGNER FAUCETS
• UPSCALE RAILING
• LUXURY VINYL PLANK FLOORING

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $330k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-309 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $275k (16.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $287k (13.0% below list).
• Recommended offer: $275k (16.6% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 76/100 on livability (#227 in FL, #3,587 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: employment C-, commute F.
• Hillsborough (suburban): math 47% / reading 50% proficiency, ranked #41 of 73 in FL (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Knights Elementary School (math 52% / reading 45%, grade D, #1,152 of 2,144 statewide, top 55%, 623 students, 70% FRL); Marshall Middle Magnet School (math 28% / reading 31%, grade F, #469 of 571 statewide, top 84%, 1,089 students, 69% FRL); Plant City High School (math 38% / reading 40%, grade F, #312 of 667 statewide, top 48%, 2,474 students, 58% FRL).
• Market conditions: 426 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 29d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $2,870/mo this rent would consume 47% of the median local household income ($73k/yr) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 248 days — a 12% lower offer ($290k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $110k (25%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $275,338 (16.6% below list)

Questions for the listing agent

1. 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?
2. It's been on market 248 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
8. 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?
9. 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.
10. 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.
11. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.87% ✗
• Cap rate: 5.17%
• Cash-on-cash: -4.02%
• DSCR: 0.82
• GRM: 9.6

CMA / ARV

• ARV (median comp): $418,629
• List price: $330,000
• Delta: -21.17%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3818 N Maryland Ave	0.24mi	4/3.0 (-1)	2,486 (-7%)	0mo	$445,000	$179	72
1708 Tropical Oasis	0.36mi	4/2.5 (-1)	2,584 (-3%)	10mo	$352,945	$137	63
2352 Allium Roseum Ln	0.69mi	4/3.0 (-1)	2,576 (-4%)	3mo	$403,090	$156	54
3727 Capital Reserve Dr	0.28mi	5/2.5	2,896 (+8%)	21mo	$405,000	$140	54
3649 Forest Path Dr	0.46mi	4/2.5 (-1)	2,584 (-3%)	15mo	$374,900	$145	54
3651 Forest Path Dr	0.46mi	5/2.5	2,896 (+8%)	15mo	$404,900	$140	50
3937 Northern Key Dr	0.70mi	5/2.5	2,389 (-11%)	3mo	$364,490	$153	46
4047 Radiant Mountain Dr	0.68mi	6/3.0 (+1)	2,580 (-4%)	18mo	$382,400	$148	43
4017 Radiant Mountain Dr	0.65mi	6/3.0 (+1)	2,580 (-4%)	20mo	$384,000	$149	42
3521 Great Park Ct	0.65mi	5/2.5	2,389 (-11%)	21mo	$364,900	$153	33
4048 Radiant Mountain Dr	0.71mi	5/2.5	2,389 (-11%)	18mo	$379,990	$159	32
2338 Allium Roseum Ln	0.69mi	4/2.0 (-1)	2,278 (-15%)	6mo	$379,190	$166	30

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -23.0%
• Equity multiple: 0.21×
• Total profit: $-72,956
• Equity at exit: $49,204

10-year hold

• IRR: -17.2%
• Equity multiple: 0.05×
• Total profit: $-87,991
• Equity at exit: $28,532

Cash invested: $92,400 (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

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 45 active · 1 under contract
• Months of supply: 54.0 mo (2%/mo absorbed)
• Median asking: $382,490 ($148/sqft)
• Median days on market: 67 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +5.6% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 33565

• Home prices YoY: -24.7%
• Active inventory: 426
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $2,870 high
• Mortgage (P&I): −$1,731
• Tax from tax record: −$700 /mo · $8,395/yr
• Insurance: −$138
• HOA: −$9
• Vacancy / Maint / Mgmt: −$603
• Net cashflow: $-309

Break-even live

Break-even rent $3,262

Max offer price $275,338

Occupancy floor —

Sensitivity live

Price	-10% $-123	-5% $-216	+0% $-309	+5% $-403	+10% $-496
Rent	-10% $-536	-5% $-423	+0% $-309	+5% $-196	+10% $-83
Rate	-1.0pp $-143	-0.5pp $-225	base $-309	+0.5pp $-395	+1.0pp $-482

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: $82,500
• Closing costs: $9,900
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3747 Capri Coast Dr Plant City, FL	4.0	2.5	2035	$2,695	$1.32	48d	1	0.14mi
3911 N Maryland Ave Plant City, FL	4.0	3.0	2223	$2,600	$1.17	73d	1	0.26mi
3615 Natural Trace St Plant City, FL	4.0	2.0	1935	$2,350	$1.21	22d	1	0.30mi
3916 N Maryland Ave Plant City, FL	4.0	3.0	2223	$2,610	$1.17	35d	1	0.30mi
3916 N Maryland Ave Plant City, FL	4.0	3.0	2223	$2,610	$1.17	29d	1	0.30mi
3507 N Maryland Ave Plant City, FL	4.0	3.0	2557	$2,495	$0.98	32d	1	0.35mi
3872 Capri Coast Dr Plant City, FL	4.0	2.0	2162	$2,395	$1.11	25d	1	0.36mi
3872 Capri Coast Dr Plant City, FL	4.0	2.0	2162	$2,395	$1.11	23d	1	0.36mi
1458 Tahitian Sunrise Dr Plant City, FL	4.0	2.0	1935	$2,345	$1.21	34d	1	0.39mi
3852 Northern Key Dr Plant City, FL	4.0	2.0	1936	$2,599	$1.34	28d	1	0.53mi
2318 Allium Roseum Ln Plant City, FL	4.0	2.0	1817	$2,300	$1.27	7d	1	0.74mi
2505 Victorious Falls Ave Plant City, FL	6.0	3.0	2614	$2,950	$1.13	19d	1	0.81mi

HOA detail $9/mo · $108/yr

• Likely covers: waterpool

Listing history 50 events

1. 2026-08-08
   days on market $330,000 Active 248 DOM
2. 2026-08-06
   days on market $330,000 Active 246 DOM
3. 2026-08-05
   days on market $330,000 Active 245 DOM
4. 2026-08-04
   days on market $330,000 Active 244 DOM
5. 2026-08-03
   days on market $330,000 Active 243 DOM
6. 2026-07-31
   days on market $330,000 Active 240 DOM
7. 2026-07-30
   days on market $330,000 Active 238 DOM
8. 2026-07-28
   days on market $330,000 Active 237 DOM
9. 2026-07-26
   days on market $330,000 Active 235 DOM
10. 2026-07-24
    days on market $330,000 Active 233 DOM
11. 2026-07-23
    days on market $330,000 Active 232 DOM
12. 2026-07-22
    days on market $330,000 Active 231 DOM
13. 2026-07-21
    pricedays on market $330,000 Active 230 DOM
14. 2026-07-20
    days on market $340,000 Active 229 DOM
15. 2026-07-18
    days on market $340,000 Active 226 DOM
16. 2026-07-16
    days on market $340,000 Active 225 DOM
17. 2026-07-15
    days on market $340,000 Active 224 DOM
18. 2026-07-13
    days on market $340,000 Active 222 DOM
19. 2026-07-13
    days on market $340,000 Active 221 DOM
20. 2026-07-11
    days on market $340,000 Active 220 DOM
21. 2026-07-10
    days on market $340,000 Active 219 DOM
22. 2026-07-09
    days on market $340,000 Active 218 DOM
23. 2026-07-07
    days on market $340,000 Active 216 DOM
24. 2026-07-06
    days on market $340,000 Active 215 DOM
25. 2026-07-06
    days on market $340,000 Active 214 DOM
26. 2026-07-05
    days on market $340,000 Active 213 DOM
27. 2026-07-03
    days on market $340,000 Active 212 DOM
28. 2026-07-02
    days on market $340,000 Active 211 DOM
29. 2026-07-01
    days on market $340,000 Active 210 DOM
30. 2026-06-30
    days on market $340,000 Active 209 DOM
31. 2026-06-29
    days on market $340,000 Active 208 DOM
32. 2026-06-28
    days on market $340,000 Active 207 DOM
33. 2026-06-27
    days on market $340,000 Active 206 DOM
34. 2026-06-26
    days on market $340,000 Active 205 DOM
35. 2026-06-24
    days on market $340,000 Active 203 DOM
36. 2026-06-22
    days on market $340,000 Active 201 DOM
37. 2026-06-21
    days on market $340,000 Active 200 DOM
38. 2026-06-18
    days on market $340,000 Active 197 DOM
39. 2026-06-17
    days on market $340,000 Active 196 DOM
40. 2026-06-16
    days on market $340,000 Active 195 DOM
41. 2026-06-15
    days on market $340,000 Active 194 DOM
42. 2026-06-13
    days on market $340,000 Active 192 DOM
43. 2026-06-13
    days on market $340,000 Active 191 DOM
44. 2026-06-10
    price $340,000 Active 188 DOM
45. 2026-06-09
    days on market $350,000 Active 188 DOM
46. 2026-06-08
    days on market $350,000 Active 187 DOM
47. 2026-06-07
    days on market $350,000 Active 186 DOM
48. 2026-06-04
    days on market $350,000 Active 183 DOM
49. 2026-06-03
    days on market $350,000 Active 182 DOM
50. 2026-06-02
    days on market $350,000 Active 181 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $8,395 · $700/mo
• Projected year-2 tax: $8,395 · $700/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,439
• − Mortgage interest: −$18,485
• − Property taxes: −$8,395
• − Insurance: −$1,650
• − Repairs & maintenance: −$2,755
• − Management: −$2,755
• − HOA: −$108
• − Depreciation: −$9,600
• Taxable loss: −$9,310
• Est. tax savings @ 24.0%: +$2,234
• After-tax cash flow: $-1,479/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.

Condition & rehab AI · 6 photos

Good 80/100 Cosmetic rehab Est. rehab $13,370–$40,110 screening

This well-maintained single-family home in Plant City, FL, offers a good condition with cosmetic updates and a high ROI potential for both resale and rental value.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhances curb appeal and adds value to the property. ↑
• Resale Kitchen backsplash replacement — A fresh backsplash can improve the kitchen's appearance and functionality. ↑
• Resale Window treatments — Window treatments can enhance the home's curb appeal and add value. ↑
• Resale Landscaping around the front entrance — A well-maintained front entrance can improve curb appeal and add value to the property. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 39/100

Zoned Schools

Elementary Knights Elementary School D FL #1,152/2,144 Nat'l #14,081/41,679 Middle Marshall Middle Magnet School F FL #469/571 Nat'l #9,020/14,009 High Plant City High School F FL #312/667 Nat'l #8,724/17,239

Schools (NCES district)

• District: Hillsborough
• NCES district ID: 1200870
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $50,622
• Composite: 41.6/100
• National rank: #3435
• State rank: #41 of 73 in FL

B Composite livability gradescore 76/100

Livability — Plant City

• Score: 76/100
• State rank: #227
• US rank: #3587

Category grades

Amenities A+ Commute F Cost of living A+ Crime C+ Employment C- Housing A+ Health & safety A+ User ratings D-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Plant City, FL
• County: Hillsborough County · 1,607,022 people
• City population: 68,525
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 18,108
• Household income: $73,414
• Rent vs Own: 9.1% rent · 90.9% own
• Severe rent burden: 7% of renters

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Population outlook (Hillsborough County) Hauer SSP2

• Today (2025): 1,607,022 people
• By 2030: 1,733,968 · +7.9%
• By 2040: 1,979,565 · +23.2%
• By 2050: 2,203,427 · +37.1%
• By 2075: 2,667,893 · +66.0%
• By 2100: 2,891,558 · +79.9%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 23% Two or more races 14% Black 2% Native American 1%
• Hispanic origin (detail): Mexican 16% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 2% Slovak 1% Iranian 1%
• Foreign-born: 10% · Canada, Jamaica
• Languages at home: 80% English-only · Spanish 19%

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Political lean MEDSL · Hillsborough

• 2024 margin: Toss-up / Even · D 47.8% · R 50.9% · Other 1.3%
• 2008→2024 swing: -10.2pp toward R · 2008: 7.1pp · 2024: -3.1pp
• All cycles: 2024: R+3.1 2020: D+6.9 2016: D+6.8 2012: D+6.7 2008: D+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -114.17%
• Current HPI: 347.2475
• Rent YoY: —
• Metro: Tampa-St. Petersburg-Clearwater, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-26.3% since first listed

8 events — show timeline

• 2026-04-30 Price Changed $350,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-31 Price Changed $355,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-05 Price Changed $370,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-28 Price Changed $385,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-02 Price Changed $400,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-03 Listed $440,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-03 Price Changed $460,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-26 Listed $475,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+59.2%/yr

Latest (2025): $8,395 · +6.6% YoY. Source: county tax records.