2505 New Haven Cir #109 · Sun City Center, FL 33573

$154,900

2 bd · 2.0 ba · 1,238 sqft · Condo · 132 Days on market

Built 1995 Fair condition $689/mo HOA · 36% of rent

---

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 +7.5/15.0
• 1% rule +7.4/10.0
• Cash flow +6.9/30.0
• Schools +4.2/10.0
• Livability +3.9/5.0
• Appreciation +3.4/10.0
• Rent growth +3.2/5.0
• Condition / age +2.2/5.0
• DSCR +1.1/10.0

Listing remarks MLS

This Concord model condo is centrally located with quick access by car or golf cart to both the North and South clubhouses. Each feaures indoor and outdoor pools, exercise areas, arts and crafts, game rooms, and party rooms. The North also includes a cafe and a large auditorium with a large stage for various entertainment including movies and live performances. The South includes a restaurant and bar. If you don't want to go to a club house to take a swim, your Nantucket Associations has their own private swimming pool for your pleasure. Enjoy your coffee in the morning and your favorite drink in the evening by gazing over the golf course and water view from the back of your home. The brick paver driveway was recently resealed and leads to the Epoxy covered garage floor. Once inside, you will notice the kithen includes new backsplash tile, newer appliances, pantry and leads to the laundry area with entrance to the 1.5 car garage with room for a car, golf cart and lots of storage. The kitchen counter allows for a breakfast bar with seating for two. The combination dining and living room leads to the enclosed lanai under central air. The split bedrooms allow for more privacy for you and your guest. A newer walkin shower was recently installed in the main bath. Vinyl wood floors and ceramic tile are featured throughout the condo. The air conditioner was replaced in Occtober 2024 and a repipe of the plumbing system was done in January of 2017. A final note: your location puts you within a mile of all the venues the Tampa area has to offer: 4 major sports, the white sandy beaches of the gulf coast, cruise lines, the arts of Tampa and Sarasota. Add a half hour to your trip and your in Walt Disney World in Orlando, Florida.

Key facts

• Golf course view
• Brick paver driveway
• New backsplash tile

Tags

• PRIVATE SWIMMING POOL
• GOLF COURSE VIEW
• WATER VIEW
• BRICK PAVER DRIVEWAY
• EPOXY COVERED GARAGE FLOOR
• NEW BACKSPLASH TILE

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $155k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $-237 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $121k (22.2% below list).
• Meets the 1% rule at list price ($2k rent vs $155k).
• Recommended offer: $121k (22.2% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 78/100 on livability (#178 in FL, #2,736 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, crime B+; Watch: schools D+, amenities 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.
• Market conditions: Rents rising (+2.6%/yr); 602 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• This rent runs 32% of the median local income ($73k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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 132 days — a 12% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 9y ago; this cycle's ask has dropped $40k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $129k; 20% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 36% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $120,543 (22.2% 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 132 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
3. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. 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?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. 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?
9. 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?
10. 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.
11. 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.
12. 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: 1.24% ✓
• Cap rate: 4.45%
• Cash-on-cash: -6.57%
• DSCR: 0.71
• GRM: 6.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.65% rent growth · sell at horizon

5-year hold

• IRR: -27.9%
• Equity multiple: 0.07×
• Total profit: $-40,446
• Equity at exit: $23,096

10-year hold

• IRR: -27.4%
• Equity multiple: -0.28×
• Total profit: $-55,609
• Equity at exit: $13,393

Cash invested: $43,372 (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 →

ZIP-level market 33573

• Home prices YoY: -1.2%
• Rents YoY: 2.6%
• Active inventory: 602
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,927 high
• Mortgage (P&I): −$812
• Tax est. 1.5%: −$194 /mo · $2,324/yr
• Insurance: −$65
• HOA: −$689
• Vacancy / Maint / Mgmt: −$405
• Net cashflow: $-237

Break-even live

Break-even rent $2,227

Max offer price $120,543

Occupancy floor —

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: $38,725
• Closing costs: $4,647
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1161 Jameson Greens Dr Sun City Center, FL	3.0	2.0	1292	$1,900	$1.47	24d	1	0.38mi
1415 Langley Dr Sun City Center, FL	2.0	2.0	1359	$1,850	$1.36	24d	1	0.45mi
2124 Hailstone Cir Sun City Center, FL	2.0	2.0	1000	$1,800	$1.80	24d	1	0.76mi
2068 Sifield Greens Way Sun City Center, FL	2.0	2.0	1414	$2,200	$1.56	24d	1	0.76mi
2117 Harleston Pl Unit 2117 Sun City Center, FL	2.0	2.0	1448	$2,500	$1.73	24d	1	0.78mi
1256 Corinth Greens Dr Sun City Center, FL	2.0	2.0	1450	$2,150	$1.48	14d	1	0.84mi
2006 Hampstead Cir Unit N/A Sun City Center, FL	2.0	2.0	1474	$1,800	$1.22	24d	1	0.86mi
2102 Hereford Dr #513 Sun City Center, FL	2.0	2.0	1000	$1,500	$1.50	24d	1	0.88mi
704 Tremont Greens Ln Unit 107 Sun City Center, FL	2.0	2.0	974	$1,700	$1.75	24d	1	1.01mi
2052 Inverness Greens Dr Sun City Center, FL	2.0	2.0	1376	$2,100	$1.53	24d	1	1.02mi
1309 Fairway Greens Dr Sun City Center, FL	3.0	2.0	1420	$1,750	$1.23	24d	1	1.09mi
1902 Dandridge St #12 Sun City Center, FL	1.0	1.5	800	$1,495	$1.87	14d	1	1.14mi
323 Knottwood Ct #1 Sun City Center, FL	1.0	1.0	908	$1,090	$1.20	4d	1	1.27mi
323 Knottwood Ct Sun City Center, FL	1.0	1.0	908	$1,290	$1.42	24d	1	1.27mi
302 Canton Ct #62 Sun City Center, FL	1.0	1.5	800	$1,575	$1.97	17d	1	1.35mi
2345 Glenmore Cir Unit 294 Sun City Center, FL	2.0	2.0	984	$1,500	$1.52	24d	1	1.35mi
110 Gloucester Blvd Sun City Center, FL	2.0	2.0	1136	$1,950	$1.72	24d	1	1.37mi
1103 Villeroy Dr Sun City Center, FL	3.0	2.0	1490	$2,500	$1.68	10d	1	1.38mi
2304 Pleasure Run Dr Ruskin, FL	3.0	2.0	1276	$1,970	$1.54	3d	1	1.39mi
301 Kings Blvd #138 Sun City Center, FL	1.0	1.5	1020	$1,800	$1.76	21d	1	1.48mi

HOA detail condo

• Monthly dues: $689 · $8,268/yr
• Likely covers: waterpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 16 events

1. 2026-06-08
   statusdays on market $154,900 Pending 132 DOM
2. 2026-06-07
   pricedays on market $154,900 Active 131 DOM
3. 2026-06-04
   days on market $164,900 Active 128 DOM
4. 2026-06-03
   days on market $164,900 Active 127 DOM
5. 2026-06-02
   days on market $164,900 Active 126 DOM
6. 2026-06-01
   days on market $164,900 Active 125 DOM
7. 2026-05-31
   days on market $164,900 Active 124 DOM
8. 2026-05-18
   price $164,900 1746-char remark

   Show marketing remark (1746 chars)

   This Concord model condo is centrally located with quick access by car or golf cart to both the North and South clubhouses. Each feaures indoor and outdoor pools, exercise areas, arts and crafts, game rooms, and party rooms. The North also includes a cafe and a large auditorium with a large stage for various entertainment including movies and live performances. The South includes a restaurant and bar. If you don't want to go to a club house to take a swim, your Nantucket Associations has their own private swimming pool for your pleasure. Enjoy your coffee in the morning and your favorite drink in the evening by gazing over the golf course and water view from the back of your home. The brick paver driveway was recently resealed and leads to the Epoxy covered garage floor. Once inside, you will notice the kithen includes new backsplash tile, newer appliances, pantry and leads to the laundry area with entrance to the 1.5 car garage with room for a car, golf cart and lots of storage. The kitchen counter allows for a breakfast bar with seating for two. The combination dining and living room leads to the enclosed lanai under central air. The split bedrooms allow for more privacy for you and your guest. A newer walkin shower was recently installed in the main bath. Vinyl wood floors and ceramic tile are featured throughout the condo. The air conditioner was replaced in Occtober 2024 and a repipe of the plumbing system was done in January of 2017. A final note: your location puts you within a mile of all the venues the Tampa area has to offer: 4 major sports, the white sandy beaches of the gulf coast, cruise lines, the arts of Tampa and Sarasota. Add a half hour to your trip and your in Walt Disney World in Orlando, Florida.

9. 2026-04-07
   price $174,900 1746-char remark

   Show marketing remark (1746 chars)

   This Concord model condo is centrally located with quick access by car or golf cart to both the North and South clubhouses. Each feaures indoor and outdoor pools, exercise areas, arts and crafts, game rooms, and party rooms. The North also includes a cafe and a large auditorium with a large stage for various entertainment including movies and live performances. The South includes a restaurant and bar. If you don't want to go to a club house to take a swim, your Nantucket Associations has their own private swimming pool for your pleasure. Enjoy your coffee in the morning and your favorite drink in the evening by gazing over the golf course and water view from the back of your home. The brick paver driveway was recently resealed and leads to the Epoxy covered garage floor. Once inside, you will notice the kithen includes new backsplash tile, newer appliances, pantry and leads to the laundry area with entrance to the 1.5 car garage with room for a car, golf cart and lots of storage. The kitchen counter allows for a breakfast bar with seating for two. The combination dining and living room leads to the enclosed lanai under central air. The split bedrooms allow for more privacy for you and your guest. A newer walkin shower was recently installed in the main bath. Vinyl wood floors and ceramic tile are featured throughout the condo. The air conditioner was replaced in Occtober 2024 and a repipe of the plumbing system was done in January of 2017. A final note: your location puts you within a mile of all the venues the Tampa area has to offer: 4 major sports, the white sandy beaches of the gulf coast, cruise lines, the arts of Tampa and Sarasota. Add a half hour to your trip and your in Walt Disney World in Orlando, Florida.

10. 2026-03-04
    price $184,900 1746-char remark

    Show marketing remark (1746 chars)

    This Concord model condo is centrally located with quick access by car or golf cart to both the North and South clubhouses. Each feaures indoor and outdoor pools, exercise areas, arts and crafts, game rooms, and party rooms. The North also includes a cafe and a large auditorium with a large stage for various entertainment including movies and live performances. The South includes a restaurant and bar. If you don't want to go to a club house to take a swim, your Nantucket Associations has their own private swimming pool for your pleasure. Enjoy your coffee in the morning and your favorite drink in the evening by gazing over the golf course and water view from the back of your home. The brick paver driveway was recently resealed and leads to the Epoxy covered garage floor. Once inside, you will notice the kithen includes new backsplash tile, newer appliances, pantry and leads to the laundry area with entrance to the 1.5 car garage with room for a car, golf cart and lots of storage. The kitchen counter allows for a breakfast bar with seating for two. The combination dining and living room leads to the enclosed lanai under central air. The split bedrooms allow for more privacy for you and your guest. A newer walkin shower was recently installed in the main bath. Vinyl wood floors and ceramic tile are featured throughout the condo. The air conditioner was replaced in Occtober 2024 and a repipe of the plumbing system was done in January of 2017. A final note: your location puts you within a mile of all the venues the Tampa area has to offer: 4 major sports, the white sandy beaches of the gulf coast, cruise lines, the arts of Tampa and Sarasota. Add a half hour to your trip and your in Walt Disney World in Orlando, Florida.

11. 2026-01-27
    status Active 1746-char remark

    Show marketing remark (1746 chars)

    This Concord model condo is centrally located with quick access by car or golf cart to both the North and South clubhouses. Each feaures indoor and outdoor pools, exercise areas, arts and crafts, game rooms, and party rooms. The North also includes a cafe and a large auditorium with a large stage for various entertainment including movies and live performances. The South includes a restaurant and bar. If you don't want to go to a club house to take a swim, your Nantucket Associations has their own private swimming pool for your pleasure. Enjoy your coffee in the morning and your favorite drink in the evening by gazing over the golf course and water view from the back of your home. The brick paver driveway was recently resealed and leads to the Epoxy covered garage floor. Once inside, you will notice the kithen includes new backsplash tile, newer appliances, pantry and leads to the laundry area with entrance to the 1.5 car garage with room for a car, golf cart and lots of storage. The kitchen counter allows for a breakfast bar with seating for two. The combination dining and living room leads to the enclosed lanai under central air. The split bedrooms allow for more privacy for you and your guest. A newer walkin shower was recently installed in the main bath. Vinyl wood floors and ceramic tile are featured throughout the condo. The air conditioner was replaced in Occtober 2024 and a repipe of the plumbing system was done in January of 2017. A final note: your location puts you within a mile of all the venues the Tampa area has to offer: 4 major sports, the white sandy beaches of the gulf coast, cruise lines, the arts of Tampa and Sarasota. Add a half hour to your trip and your in Walt Disney World in Orlando, Florida.

12. 2026-01-27
    listed $195,000 Active 1746-char remark

    Show marketing remark (1746 chars)

    This Concord model condo is centrally located with quick access by car or golf cart to both the North and South clubhouses. Each feaures indoor and outdoor pools, exercise areas, arts and crafts, game rooms, and party rooms. The North also includes a cafe and a large auditorium with a large stage for various entertainment including movies and live performances. The South includes a restaurant and bar. If you don't want to go to a club house to take a swim, your Nantucket Associations has their own private swimming pool for your pleasure. Enjoy your coffee in the morning and your favorite drink in the evening by gazing over the golf course and water view from the back of your home. The brick paver driveway was recently resealed and leads to the Epoxy covered garage floor. Once inside, you will notice the kithen includes new backsplash tile, newer appliances, pantry and leads to the laundry area with entrance to the 1.5 car garage with room for a car, golf cart and lots of storage. The kitchen counter allows for a breakfast bar with seating for two. The combination dining and living room leads to the enclosed lanai under central air. The split bedrooms allow for more privacy for you and your guest. A newer walkin shower was recently installed in the main bath. Vinyl wood floors and ceramic tile are featured throughout the condo. The air conditioner was replaced in Occtober 2024 and a repipe of the plumbing system was done in January of 2017. A final note: your location puts you within a mile of all the venues the Tampa area has to offer: 4 major sports, the white sandy beaches of the gulf coast, cruise lines, the arts of Tampa and Sarasota. Add a half hour to your trip and your in Walt Disney World in Orlando, Florida.

13. 2026-01-27
    price $195,000 1746-char remark

    Show marketing remark (1746 chars)

    This Concord model condo is centrally located with quick access by car or golf cart to both the North and South clubhouses. Each feaures indoor and outdoor pools, exercise areas, arts and crafts, game rooms, and party rooms. The North also includes a cafe and a large auditorium with a large stage for various entertainment including movies and live performances. The South includes a restaurant and bar. If you don't want to go to a club house to take a swim, your Nantucket Associations has their own private swimming pool for your pleasure. Enjoy your coffee in the morning and your favorite drink in the evening by gazing over the golf course and water view from the back of your home. The brick paver driveway was recently resealed and leads to the Epoxy covered garage floor. Once inside, you will notice the kithen includes new backsplash tile, newer appliances, pantry and leads to the laundry area with entrance to the 1.5 car garage with room for a car, golf cart and lots of storage. The kitchen counter allows for a breakfast bar with seating for two. The combination dining and living room leads to the enclosed lanai under central air. The split bedrooms allow for more privacy for you and your guest. A newer walkin shower was recently installed in the main bath. Vinyl wood floors and ceramic tile are featured throughout the condo. The air conditioner was replaced in Occtober 2024 and a repipe of the plumbing system was done in January of 2017. A final note: your location puts you within a mile of all the venues the Tampa area has to offer: 4 major sports, the white sandy beaches of the gulf coast, cruise lines, the arts of Tampa and Sarasota. Add a half hour to your trip and your in Walt Disney World in Orlando, Florida.

14. 2017-03-24
    soldstatus $129,400 Sold 1526-char remark

    Show marketing remark (1526 chars)

    Spend the rest of the winter in warm, sunny Florida, potentially starting in 2 weeks! This adorable, furnished and outfitted condo is completely ready for you to move in and enjoy now. There's no need to wait. When you're not golfing, swimming or playing, you'll love this sweet condo with the Florida Room that overlooks a golf course and a pond. Bright and light inside with soaring vaulted ceilings and a huge kitchen skylight, this home seems so much bigger than it really is. Re-plumbed just this month, there's nothing left to do but unpack your suitcase. This condo is so clean and neat and feels like it's never been lived in. The garage is also plumbed for a water softener and utility sink. You'll love being in the Nantucket area, which has a heated outdoor pool that's a favorite gathering place close to home. You're also a short golf cart ride to the popular south clubhouse that has a cafe, bar, function rooms and a beautiful resort pool and more. You'll never run out of things to do in the gated community of Kings Point, where amazing facilities, pools and clubs just waiting for you to enjoy. North of Sarasota, south of Tampa, the perfect location for a convenient ride to airports, world class shopping, dining, professional sports and concerts. With easy access to award winning, sand beaches, this is the best of all worlds, but without the stress of traffic and big city life. Leave it all behind and enjoy your new life here in one of the country's highest rated and most affordable 55+ communities.

15. 2017-02-05
    status Pending 1526-char remark

    Show marketing remark (1526 chars)

    Spend the rest of the winter in warm, sunny Florida, potentially starting in 2 weeks! This adorable, furnished and outfitted condo is completely ready for you to move in and enjoy now. There's no need to wait. When you're not golfing, swimming or playing, you'll love this sweet condo with the Florida Room that overlooks a golf course and a pond. Bright and light inside with soaring vaulted ceilings and a huge kitchen skylight, this home seems so much bigger than it really is. Re-plumbed just this month, there's nothing left to do but unpack your suitcase. This condo is so clean and neat and feels like it's never been lived in. The garage is also plumbed for a water softener and utility sink. You'll love being in the Nantucket area, which has a heated outdoor pool that's a favorite gathering place close to home. You're also a short golf cart ride to the popular south clubhouse that has a cafe, bar, function rooms and a beautiful resort pool and more. You'll never run out of things to do in the gated community of Kings Point, where amazing facilities, pools and clubs just waiting for you to enjoy. North of Sarasota, south of Tampa, the perfect location for a convenient ride to airports, world class shopping, dining, professional sports and concerts. With easy access to award winning, sand beaches, this is the best of all worlds, but without the stress of traffic and big city life. Leave it all behind and enjoy your new life here in one of the country's highest rated and most affordable 55+ communities.

16. 2017-01-28
    listed $129,900 Active 1526-char remark

    Show marketing remark (1526 chars)

    Spend the rest of the winter in warm, sunny Florida, potentially starting in 2 weeks! This adorable, furnished and outfitted condo is completely ready for you to move in and enjoy now. There's no need to wait. When you're not golfing, swimming or playing, you'll love this sweet condo with the Florida Room that overlooks a golf course and a pond. Bright and light inside with soaring vaulted ceilings and a huge kitchen skylight, this home seems so much bigger than it really is. Re-plumbed just this month, there's nothing left to do but unpack your suitcase. This condo is so clean and neat and feels like it's never been lived in. The garage is also plumbed for a water softener and utility sink. You'll love being in the Nantucket area, which has a heated outdoor pool that's a favorite gathering place close to home. You're also a short golf cart ride to the popular south clubhouse that has a cafe, bar, function rooms and a beautiful resort pool and more. You'll never run out of things to do in the gated community of Kings Point, where amazing facilities, pools and clubs just waiting for you to enjoy. North of Sarasota, south of Tampa, the perfect location for a convenient ride to airports, world class shopping, dining, professional sports and concerts. With easy access to award winning, sand beaches, this is the best of all worlds, but without the stress of traffic and big city life. Leave it all behind and enjoy your new life here in one of the country's highest rated and most affordable 55+ communities.

ⓘ 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 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,120
• − Mortgage interest: −$8,677
• − Property taxes: −$2,324
• − Insurance: −$774
• − Repairs & maintenance: −$1,850
• − Management: −$1,850
• − HOA: −$8,268
• − Depreciation: −$4,506
• Taxable loss: −$5,128
• Est. tax savings @ 24.0%: +$1,231
• After-tax cash flow: $-1,618/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 · 12 photos

Fair 45/100 Moderate rehab

This moderate-rehab property requires updates to kitchen cabinets, flooring, and bathrooms to improve its condition and value. The location offers amenities like indoor and outdoor pools, making it suitable for both resale and rental.

Repairs flagged

• Moderate Kitchen cabinets — Worn and showing signs of wear.
• Moderate Bathroom fixtures — Worn and showing signs of wear.
• Minor Exterior siding — Some areas show discoloration, but no major damage visible.
• Moderate Interior walls/paint — Paint appears chipped and worn in some areas.
• Moderate Flooring — Hardwood flooring in living areas appears worn.
• Unknown HVAC — No visible issues, but age is unknown from photos.

Value-add opportunities

• Both Painting and updating kitchen cabinets — Fresh paint and updated cabinets would enhance both resale and rental value.
• Both Flooring replacement — Replacing worn flooring would improve both resale and rental value.
• Both Bathroom updates — Updating fixtures and paint would improve both resale and rental value.
• Both HVAC maintenance — Maintaining HVAC would improve comfort and energy efficiency, enhancing both resale and rental value.

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen cabinets · Worn and showing signs of wear.	Moderate	$3,000–15,000
Bathroom fixtures · Worn and showing signs of wear.	Moderate	$3,000–15,000
Exterior siding · Some areas show discoloration, but no major damage visible.	Minor	$500–3,000
Interior walls/paint · Paint appears chipped and worn in some areas.	Moderate	$3,000–15,000
Flooring · Hardwood flooring in living areas appears worn.	Moderate	$3,000–15,000
HVAC · No visible issues, but age is unknown from photos.	Unknown	$500–3,000
Total estimated repair cost · 6 items		$13,000–66,000

Value-add ROI direction

• Both Painting and updating kitchen cabinets — Fresh paint and updated cabinets would enhance both resale and rental value. ↑
• Both Flooring replacement — Replacing worn flooring would improve both resale and rental value. ↑
• Both Bathroom updates — Updating fixtures and paint would improve both resale and rental value. ↑
• Both HVAC maintenance — Maintaining HVAC would improve comfort and energy efficiency, enhancing both resale and rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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

Livability — Sun City Center

• Score: 78/100
• State rank: #178
• US rank: #2736

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sun City Center, FL
• County: Hillsborough County · 1,540,968 people
• City population: 35,362
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 35,362
• Household income: $72,834
• Rent vs Own: 17.3% rent · 82.7% own
• Severe rent burden: 1382.0

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%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 13% Two or more races 11% Black 10% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 6% Cuban 2%
• Common ancestry: Romanian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 86% English-only · Spanish 10% French/Haitian/Cajun 1% German/W. Germanic 1%

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: ▼ -3.27%
• Current HPI: 272.9767
• Rent YoY: ▲ 2.65%
• Metro: Tampa-St. Petersburg-Clearwater, 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
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+26.9% since first listed

9 events — show timeline

• 2026-05-18 Price Changed $164,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-07 Price Changed $174,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-04 Price Changed $184,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-27 Price Changed $195,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-27 Listed $195,000 Stellar MLS as Distributed by MLS Grid
• 2017-03-24 Sold (MLS) $129,400 Stellar MLS as Distributed by MLS Grid
• 2017-02-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-01-28 Listed $129,900 Stellar MLS as Distributed by MLS Grid