914 Sun Key Ct · Sun City Center, FL 33573

$229,000

2 bd · 2.0 ba · 1,785 sqft · SingleFamily public records · 30 Days on market

Built 1988 7,336 sqft lot $100/mo HOA · 5% of rent

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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).

• Cash flow +16.0/30.0
• ARV discount +7.5/15.0
• DSCR +4.9/10.0
• Schools +4.2/10.0
• 1% rule +4.1/10.0
• Livability +3.9/5.0
• Appreciation +3.4/10.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0

Listing remarks

Beautifully maintained home in the heart of Sun City Center featuring comfort, convenience, and the easy Florida lifestyle buyers are looking for. Inside, you'll find a bright and welcoming layout with spacious living areas, comfortable bedrooms, and versatile spaces designed for both everyday living and entertaining. The kitchen, living room, bedrooms, and bathrooms have been virtually staged to highlight the home's charm and help buyers envision the beauty, functionality, and potential of each space. The kitchen includes generous cabinet and counter space, while the screened lanai creates a peaceful place to enjoy your morning coffee or unwind at the end of the day. The private primary su

Key facts

• Screened lanai
• Ample cabinet space
• Quick access to i-75

Tags

• SCREENED LANAI
• AMPLE CABINET SPACE
• QUICK ACCESS TO I-75

Property features AI

Finance

• Other: Unfurnished; Association fee includes: Other
• Financial info: Total monthly fees $100.83; Total annual fees $1,210; Lease restrictions apply
• HOA & community: Sun City Center Community Association; Monthly HOA fee $72; Annual association fee $346; Association fees required; Senior community; Pets allowed

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single family residence; One level; Northeast facing; Residential, completed condition; Zoned PD-MU
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built on one level
• Exterior features: Sliding doors; Paved road access

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Open floor plan; Walk-in closet(s)
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $229k.

Deal economics

• At list price, monthly cash flow is $112 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $209k (8.6% below list).
• Recommended offer: $209k (8.6% below list) — sets the bar for 1% rule.

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: 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.
• Zoned schools: Jule F Sumner High School (math 43% / reading 43%, grade F, #255 of 667 statewide, top 39%, 3,827 students, 43% FRL).
• Market conditions: Rents rising (+2.6%/yr); 605 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d 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 34% 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 $2k of loan paydown is wiped out by about $7k 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 30 days — a 2% lower offer ($226k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $86k; list at $229k implies a 165% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• 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 $209,262 (8.6% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.91% ✗
• Cap rate: 6.88%
• Cash-on-cash: 2.10%
• DSCR: 1.09
• GRM: 9.1

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: -13.3%
• Equity multiple: 0.52×
• Total profit: $-30,678
• Equity at exit: $34,145

10-year hold

• IRR: -5.0%
• Equity multiple: 0.68×
• Total profit: $-20,466
• Equity at exit: $19,800

Cash invested: $64,120 (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: 605
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $2,093 high
• Mortgage (P&I): −$1,201
• Tax from tax record: −$144 /mo · $1,734/yr
• Insurance: −$95
• HOA: −$100
• Vacancy / Maint / Mgmt: −$439
• Net cashflow: $112

Break-even live

Break-even rent $1,950

Max offer price $229,000

Occupancy floor 90%

Sensitivity live

Price	-10% $242	-5% $177	+0% $112	+5% $48	+10% $-17
Rent	-10% $-53	-5% $30	+0% $112	+5% $195	+10% $278
Rate	-1.0pp $228	-0.5pp $171	base $112	+0.5pp $53	+1.0pp $-7

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: $57,250
• Closing costs: $6,870
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
102 Wintersong Ln Sun City Center, FL	2.0	2.0	1508	$1,995	$1.32	21d	1	0.26mi
701 Cypress Pl Sun City Center, FL	2.0	2.0	1425	$1,700	$1.19	25d	1	0.44mi
5010 Capri Harbor Dr Wimauma, FL	3.0	2.5	1634	$2,101	$1.29	25d	1	0.49mi
4902 Cosmos Cir Wimauma, FL	3.0	1.0–3.5	1231	$2,345	$1.90	0d	38	0.50mi
5017 Capri Harbor Dr Wimauma, FL	3.0	2.5	1634	$2,101	$1.29	21d	1	0.50mi
5018 Capri Harbor Dr Wimauma, FL	2.0	2.5	1541	$1,956	$1.27	25d	1	0.51mi
714 Indian Wells Ave Sun City Center, FL	2.0	2.0	1515	$1,695	$1.12	25d	1	0.51mi
16671 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,101	$1.29	25d	1	0.51mi
16676 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,201	$1.35	25d	1	0.52mi
16667 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,101	$1.29	25d	1	0.52mi
16665 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,101	$1.29	25d	1	0.52mi
5044 Capri Harbor Dr Wimauma, FL	2.0	2.5	1541	$1,956	$1.27	25d	1	0.53mi
16660 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,276	$1.39	25d	1	0.54mi
717 Indian Wells Ave Sun City Center, FL	2.0	2.0	1264	$1,595	$1.26	25d	1	0.54mi
16705 Myrtle Sand Dr Wimauma, FL	3.0	2.0	1253	$2,350	$1.88	25d	1	0.54mi
16611 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,176	$1.33	21d	1	0.56mi
16619 Ancient Mariner Ln Wimauma, FL	2.0	2.5	1541	$2,031	$1.32	25d	1	0.57mi
16638 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,276	$1.39	23d	1	0.57mi
301 Bryce Ct Sun City Center, FL	2.0	2.0	1830	$1,850	$1.01	25d	1	0.57mi
16610 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,176	$1.33	25d	1	0.59mi
1104 Desert Hills Dr Sun City Center, FL	2.0	2.0	1383	$1,825	$1.32	18d	1	0.59mi
16616 Ancient Mariner Ln Wimauma, FL	3.0	2.5	1634	$2,276	$1.39	23d	1	0.59mi
5085 Capri Harbor Dr Wimauma, FL	3.0	2.5	1634	$2,201	$1.35	25d	1	0.61mi
5089 Capri Harbor Dr Wimauma, FL	3.0	2.5	1634	$2,201	$1.35	25d	1	0.62mi
5091 Capri Harbor Dr Wimauma, FL	3.0	2.5	1634	$2,201	$1.35	25d	1	0.62mi
5095 Capri Harbor Dr Wimauma, FL	2.0	2.5	1578	$1,956	$1.24	23d	1	0.63mi
810 Oakmont Ave Sun City Center, FL	2.0	2.0	1266	$2,100	$1.66	25d	1	0.89mi
5029 Sable Chime Dr Wimauma, FL	3.0	2.0	1451	$2,420	$1.67	15d	1	0.89mi
17042 Oval Rum Dr Wimauma, FL	3.0	2.0	1516	$2,500	$1.65	19d	1	1.05mi
1528 Chevy Chase Dr Sun City Center, FL	2.0	2.0	1346	$2,000	$1.49	25d	1	1.15mi
16461 Little Garden Dr Wimauma, FL	3.0	2.0	1676	$2,250	$1.34	23d	1	1.18mi
16260 Amethyst Key Dr Wimauma, FL	3.0	2.0	1889	$2,300	$1.22	25d	1	1.20mi
1013 Ardmore Way Sun City Center, FL	2.0	2.0	1857	$1,795	$0.97	25d	1	1.22mi
16605 Mosaic Oar Dr Wimauma, FL	3.0	2.0	1516	$2,300	$1.52	0d	1	1.27mi
1812 New Bedford Dr Sun City Center, FL	3.0	2.0	2606	$2,200	$0.84	21d	1	1.28mi
1904 N Pebble Beach Blvd Sun City Center, FL	3.0	2.0	1756	$1,600	$0.91	15d	1	1.33mi
1703 Amhurst Cir Sun City Center, FL	2.0	2.0	1550	$1,995	$1.29	6d	1	1.36mi
1814 Columbine Pl Sun City Center, FL	2.0	2.0	1516	$2,100	$1.39	25d	1	1.38mi
1201 Fordham Dr Sun City Center, FL	2.0	2.0	1582	$1,950	$1.23	19d	1	1.45mi
17224 Auburn Arch Loop Wimauma, FL	2.0–4.0	2.5	1517	$2,300	$1.52	19d	20	1.50mi

HOA detail

• Monthly dues: $100 · $1,200/yr

Listing history 20 events

1. 2026-06-21
   days on market $229,000 Active 30 DOM
2. 2026-06-19
   price $229,000 Active 27 DOM
3. 2026-06-18
   days on market $245,000 Active 27 DOM
4. 2026-06-17
   days on market $245,000 Active 26 DOM
5. 2026-06-16
   days on market $245,000 Active 25 DOM
6. 2026-06-15
   days on market $245,000 Active 24 DOM
7. 2026-06-13
   days on market $245,000 Active 22 DOM
8. 2026-06-13
   pricedays on market $245,000 Active 21 DOM
9. 2026-06-09
   days on market $250,000 Active 18 DOM
10. 2026-06-08
    days on market $250,000 Active 17 DOM
11. 2026-06-07
    days on market $250,000 Active 16 DOM
12. 2026-06-04
    days on market $250,000 Active 13 DOM
13. 2026-06-03
    pricedays on market $250,000 Active 12 DOM
14. 2026-06-02
    days on market $255,000 Active 11 DOM
15. 2026-06-01
    days on market $255,000 Active 10 DOM
16. 2026-05-31
    days on market $255,000 Active 9 DOM
17. 2026-05-22
    listed $255,000 Active
18. 1996-06-12
    soldstatus $86,500
19. 1994-06-03
    soldstatus $87,200
20. 1988-07-01
    soldstatus $87,800

ⓘ 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: $1,734 · $144/mo
• Projected year-2 tax: $1,901 · $158/mo
• Expected delta: +$167/yr (+$14/mo · 9.6%)

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

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 9/10 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: $25,111
• − Mortgage interest: −$12,828
• − Property taxes: −$1,734
• − Insurance: −$1,145
• − Repairs & maintenance: −$2,009
• − Management: −$2,009
• − HOA: −$1,200
• − Depreciation: −$6,662
• Taxable loss: −$2,474
• Est. tax savings @ 24.0%: +$594
• After-tax cash flow: $1,942/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: 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

+190.4% since first listed

4 events — show timeline

• 2026-05-22 Listed $255,000 Stellar MLS as Distributed by MLS Grid
• 1996-06-12 Sold (Public Records) $86,500 Public Records
• 1994-06-03 Sold (Public Records) $87,200 Public Records
• 1988-07-01 Sold (Public Records) $87,800 Public Records

Property tax history

+3.7%/yr

Latest (2025): $1,734 · +9.1% YoY. Source: county tax records.