401 Finchley Ct Unit A · Sun City Center, FL 33573

$122,500

2 bd · 2.0 ba · 984 sqft · Condo public records · 69 Days on market

Built 1979 $668/mo HOA · 39% 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).

• 1% rule +8.8/10.0
• ARV discount +7.5/15.0
• Cash flow +6.3/30.0
• Schools +4.2/10.0
• Livability +3.9/5.0
• Appreciation +3.4/10.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• DSCR +0.6/10.0

Listing remarks MLS

This home, which is located in the beautiful Kings Point Gated Community (a 55 Plus Community), in Sun City Center, is charming, has everything you could need or want to enjoy the beautiful Florida, Care-Free Lifestyle. This two-bedroom, two full bath home is completely move-in-ready and was remodeled in 2021, with new ceramic tile floors, high-end carpeting in both bedrooms, new Kitchen tile backsplash and crown molding throughout the home. Add in granite counter tops in both baths and nicely proportioned Florida Room, with a lanai you enter through ultra-wide French doors (wide enough for a Golf Cart), you'll see this home has it all, including a indoor laundry. And you'll also enjoy peace of mind with a one-year American Home Shield Plus warranty, which covers the most important home systems, plus most if not all your home appliances. The Kings Point community is as vibrant resort style Active Retirement Gated Community with over 200 Clubs, Two Clubhouses, Indoor/Outdoor Pools, Fitness Center, Racquetball Courts, Tennis Court, Salon, Cafe, Restaurant, Pickle Ball Courts, Horseshoe Courts, Lawn Bowling, Shuffleboard, as well an 850-Seat Veterans Theater, Golf Courses and a community wide Transportation System including Ambulatory Services. Located midway between Tampa and Sarasota, with St. Petersburg close by, you'll enjoy easy access to Tampa International Airport, Major Sporting Events, World Class Beaches, Shopping and Award-Winning Dining. This meticulously cared for Kings Point Condo, is a must see and won't last long. Make an appointment to meet your next home and chapter in your life today!

Key facts

• Gated community
• Fitness center
• Golf

Tags

• GATED COMMUNITY
• RESORT STYLE COMMUNITY
• TWO CLUBHOUSES
• INDOOR AND OUTDOOR POOLS
• FITNESS CENTER
• GOLF

Property features AI

Finance

• Other: Lease restrictions apply
• Financial info: Total annual fees $8,020 (equivalent to $668.33/month)
• HOA & community: Monthly condo fee (HOA) of $660; Association fee 2: $100 annually; Association approval required; HOA includes pool, fitness center, recreational facilities, tennis and racquetball courts, maintenance of grounds, pest control, management, common area taxes, escrow reserves fund; Senior community; Pets allowed

Exterior

• Parking: Assigned covered parking; 1-car carport
• Security: 24-hour guard
• Utilities: Public water; Public sewer; Public utilities
• Home design: Residential condominium; One story; Faces south; Entry on first floor
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Building/Unit: 401 A; Built as part of a multi-unit complex
• Exterior features: Asphalt road access; Private maintained road

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Linoleum; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Crown molding; Solid wood cabinets; Thermostat; Walk-in closet(s); Blinds
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $122k.

Deal economics

• At list price, monthly cash flow is $-219 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $84k (31.5% below list).
• Meets the 1% rule at list price ($2k rent vs $122k).
• Recommended offer: $84k (31.5% 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: 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); 602 active listings in the ZIP; 28 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $847 of loan paydown is wiped out by about $4k 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 69 days — a 6% lower offer ($115k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 22y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: HOA is 39% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $83,886 (31.5% 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 69 days. Have you received any prior offers? Is the seller open to a 32% concession, seller financing, or rate buy-down credit?
3. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 1.38% ✓
• Cap rate: 4.15%
• Cash-on-cash: -7.65%
• DSCR: 0.66
• GRM: 6.0

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: -29.9%
• Equity multiple: 0.01×
• Total profit: $-33,905
• Equity at exit: $18,265

10-year hold

• IRR: -31.8%
• Equity multiple: -0.40×
• Total profit: $-47,995
• Equity at exit: $10,592

Cash invested: $34,300 (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: 6.0×

Monthly cashflow live

• Estimated rent: $1,695 high
• Mortgage (P&I): −$642
• Tax from tax record: −$196 /mo · $2,351/yr
• Insurance: −$51
• HOA: −$668
• Vacancy / Maint / Mgmt: −$356
• Net cashflow: $-219

Break-even live

Break-even rent $1,971

Max offer price $83,886

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: $30,625
• Closing costs: $3,675
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
409 Feltham Trl Unit B Sun City Center, FL	2.0	2.0	984	$1,650	$1.68	24d	1	0.02mi
403 Finchley Ct Unit B Sun City Center, FL	2.0	2.0	960	$2,000	$2.08	24d	1	0.03mi
306 Fowling Ct Sun City Center, FL	2.0	2.0	960	$1,700	$1.77	24d	1	0.10mi
1814 Foxhunt Dr Unit A Sun City Center, FL	1.0	1.5	800	$1,475	$1.84	24d	1	0.15mi
201 Bedford Trl Unit F128 Sun City Center, FL	2.0	2.0	960	$1,275	$1.33	24d	1	0.15mi
202 Bedford Trl #99 Sun City Center, FL	1.0	1.0	800	$1,500	$1.88	4d	1	0.16mi
201 Bedford St #95 Sun City Center, FL	1.0	1.5	800	$1,450	$1.81	14d	1	0.19mi
1901 Andover Way #38 Sun City Center, FL	1.0	1.5	800	$1,495	$1.87	24d	1	0.19mi
301 Kings Blvd #138 Sun City Center, FL	1.0	1.5	1020	$1,800	$1.76	21d	1	0.20mi
201 Kings Blvd #19 Sun City Center, FL	1.0	1.5	800	$1,495	$1.87	24d	1	0.23mi
1802 Bedford Ln Sun City Center, FL	1.0–2.0	2.0	952	$1,800	$1.89	10d	2	0.23mi
1802 Bedford Ter #182 Sun City Center, FL	1.0	1.5	960	$1,375	$1.43	21d	1	0.26mi
1802 Bedford Ter #182 Sun City Center, FL	1.0	1.5	800	$1,400	$1.75	17d	1	0.26mi
323 Knottwood Ct Sun City Center, FL	1.0	1.0	908	$1,290	$1.42	24d	1	0.31mi
323 Knottwood Ct #1 Sun City Center, FL	1.0	1.0	908	$1,090	$1.20	4d	1	0.31mi
101 Cambridge Trl Sun City Center, FL	1.0–2.0	1.5–2.0	880	$1,650	$1.88	11d	1	0.38mi
302 Canton Ct #62 Sun City Center, FL	1.0	1.5	800	$1,575	$1.97	17d	1	0.42mi
2202 Clubhouse Dr #187 Sun City Center, FL	1.0	1.5	800	$1,550	$1.94	24d	1	0.50mi
2202 Clubhouse Dr #169 Sun City Center, FL	2.0	2.0	984	$1,450	$1.47	4d	1	0.50mi
1902 Dandridge St #12 Sun City Center, FL	1.0	1.5	800	$1,495	$1.87	14d	1	0.50mi
704 Tremont Greens Ln Unit 107 Sun City Center, FL	2.0	2.0	974	$1,700	$1.75	24d	1	0.60mi
2345 Glenmore Cir Unit 294 Sun City Center, FL	2.0	2.0	984	$1,500	$1.52	24d	1	0.70mi
207 Islip Way Sun City Center, FL	2.0	1.5	992	$1,500	$1.51	17d	1	0.70mi
1301 Warwick Ct Unit 1301 Sun City Center, FL	1.0	1.0	1102	$1,575	$1.43	24d	1	0.85mi
2124 Hailstone Cir Sun City Center, FL	2.0	2.0	1000	$1,800	$1.80	24d	1	1.24mi
2102 Hereford Dr #513 Sun City Center, FL	2.0	2.0	1000	$1,500	$1.50	24d	1	1.38mi
704 Torrey Pines Ave Sun City Center, FL	2.0	1.0	981	$1,700	$1.73	14d	1	1.47mi
704 Torrey Pines Ave Sun City Center, FL	2.0	1.0	981	$1,675	$1.71	24d	1	1.47mi

HOA detail condo

• Monthly dues: $668 · $8,016/yr
• Likely covers: poolgymsecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 22 events

1. 2026-05-13
   status Pending
2. 2026-03-25
   price $122,500
3. 2026-03-05
   listed $125,000 Active
4. 2024-01-19
   soldstatus $184,900
5. 2024-01-16
   soldstatus $184,900 Closed 1628-char remark

   Show marketing remark (1628 chars)

   This home, which is located in the beautiful Kings Point Gated Community (a 55 Plus Community), in Sun City Center, is charming, has everything you could need or want to enjoy the beautiful Florida, Care-Free Lifestyle. This two-bedroom, two full bath home is completely move-in-ready and was remodeled in 2021, with new ceramic tile floors, high-end carpeting in both bedrooms, new Kitchen tile backsplash and crown molding throughout the home. Add in granite counter tops in both baths and nicely proportioned Florida Room, with a lanai you enter through ultra-wide French doors (wide enough for a Golf Cart), you'll see this home has it all, including a indoor laundry. And you'll also enjoy peace of mind with a one-year American Home Shield Plus warranty, which covers the most important home systems, plus most if not all your home appliances. The Kings Point community is as vibrant resort style Active Retirement Gated Community with over 200 Clubs, Two Clubhouses, Indoor/Outdoor Pools, Fitness Center, Racquetball Courts, Tennis Court, Salon, Cafe, Restaurant, Pickle Ball Courts, Horseshoe Courts, Lawn Bowling, Shuffleboard, as well an 850-Seat Veterans Theater, Golf Courses and a community wide Transportation System including Ambulatory Services. Located midway between Tampa and Sarasota, with St. Petersburg close by, you'll enjoy easy access to Tampa International Airport, Major Sporting Events, World Class Beaches, Shopping and Award-Winning Dining. This meticulously cared for Kings Point Condo, is a must see and won't last long. Make an appointment to meet your next home and chapter in your life today!

6. 2023-12-16
   status Pending 1628-char remark

   Show marketing remark (1628 chars)

   This home, which is located in the beautiful Kings Point Gated Community (a 55 Plus Community), in Sun City Center, is charming, has everything you could need or want to enjoy the beautiful Florida, Care-Free Lifestyle. This two-bedroom, two full bath home is completely move-in-ready and was remodeled in 2021, with new ceramic tile floors, high-end carpeting in both bedrooms, new Kitchen tile backsplash and crown molding throughout the home. Add in granite counter tops in both baths and nicely proportioned Florida Room, with a lanai you enter through ultra-wide French doors (wide enough for a Golf Cart), you'll see this home has it all, including a indoor laundry. And you'll also enjoy peace of mind with a one-year American Home Shield Plus warranty, which covers the most important home systems, plus most if not all your home appliances. The Kings Point community is as vibrant resort style Active Retirement Gated Community with over 200 Clubs, Two Clubhouses, Indoor/Outdoor Pools, Fitness Center, Racquetball Courts, Tennis Court, Salon, Cafe, Restaurant, Pickle Ball Courts, Horseshoe Courts, Lawn Bowling, Shuffleboard, as well an 850-Seat Veterans Theater, Golf Courses and a community wide Transportation System including Ambulatory Services. Located midway between Tampa and Sarasota, with St. Petersburg close by, you'll enjoy easy access to Tampa International Airport, Major Sporting Events, World Class Beaches, Shopping and Award-Winning Dining. This meticulously cared for Kings Point Condo, is a must see and won't last long. Make an appointment to meet your next home and chapter in your life today!

7. 2023-10-21
   listed $184,900 Active 1628-char remark

   Show marketing remark (1628 chars)

   This home, which is located in the beautiful Kings Point Gated Community (a 55 Plus Community), in Sun City Center, is charming, has everything you could need or want to enjoy the beautiful Florida, Care-Free Lifestyle. This two-bedroom, two full bath home is completely move-in-ready and was remodeled in 2021, with new ceramic tile floors, high-end carpeting in both bedrooms, new Kitchen tile backsplash and crown molding throughout the home. Add in granite counter tops in both baths and nicely proportioned Florida Room, with a lanai you enter through ultra-wide French doors (wide enough for a Golf Cart), you'll see this home has it all, including a indoor laundry. And you'll also enjoy peace of mind with a one-year American Home Shield Plus warranty, which covers the most important home systems, plus most if not all your home appliances. The Kings Point community is as vibrant resort style Active Retirement Gated Community with over 200 Clubs, Two Clubhouses, Indoor/Outdoor Pools, Fitness Center, Racquetball Courts, Tennis Court, Salon, Cafe, Restaurant, Pickle Ball Courts, Horseshoe Courts, Lawn Bowling, Shuffleboard, as well an 850-Seat Veterans Theater, Golf Courses and a community wide Transportation System including Ambulatory Services. Located midway between Tampa and Sarasota, with St. Petersburg close by, you'll enjoy easy access to Tampa International Airport, Major Sporting Events, World Class Beaches, Shopping and Award-Winning Dining. This meticulously cared for Kings Point Condo, is a must see and won't last long. Make an appointment to meet your next home and chapter in your life today!

8. 2021-01-05
   soldstatus $110,000
9. 2020-12-30
   soldstatus $110,000 Sold 1460-char remark

   Show marketing remark (1460 chars)

   SELLER MOTIVATED - SEND ALL OFFERS - What's not to love? Lovely gated 55+ community of Kings Point. Turnkey and move-in ready condo, in Kings point. This little bit of Paradise is just waiting for you. It is time to enjoy Kings Point lifestyle at its best. A large enclosed lanan for the hot days and a outdoor porch for the summer nights offering the best of Florida living. The property has an updated kitchen and bathrooms, with granite counter-tops and new cabinetry. Property also has an updated electrical panel with an an indoor laundry room. There is carpeting in both bedrooms and ceiling fans to keep you cool in case you don't want to use the air conditioning. Seller has KPW Basic in place to cover appliances a will transfer remaining coverage. Kings Point is wonderful adult playground and you won't want to miss out on any of it. Kings Point is a gated community with 2 wonderful Clubhouses both with indoor and outdoor pools, tennis courts, lawn bowling, shuffleboard, horseshoes, pickle ball and much more. The newest addition to this community is the wonderful 20/20 CLUB offering a recently new state-of-the-art exercise center, spa center, & café. Sun City Center offers over 200 clubs and activities for your entertaining pleasure, centrally located to Brandon, Tampa, St. Petersburg, Bradenton and Sarasota, enjoy award winning beaches, and many sports all minutes away. What's not to love? Come have fun in the FLORIDA Sun!

10. 2020-12-03
    status Pending 1460-char remark

    Show marketing remark (1460 chars)

    SELLER MOTIVATED - SEND ALL OFFERS - What's not to love? Lovely gated 55+ community of Kings Point. Turnkey and move-in ready condo, in Kings point. This little bit of Paradise is just waiting for you. It is time to enjoy Kings Point lifestyle at its best. A large enclosed lanan for the hot days and a outdoor porch for the summer nights offering the best of Florida living. The property has an updated kitchen and bathrooms, with granite counter-tops and new cabinetry. Property also has an updated electrical panel with an an indoor laundry room. There is carpeting in both bedrooms and ceiling fans to keep you cool in case you don't want to use the air conditioning. Seller has KPW Basic in place to cover appliances a will transfer remaining coverage. Kings Point is wonderful adult playground and you won't want to miss out on any of it. Kings Point is a gated community with 2 wonderful Clubhouses both with indoor and outdoor pools, tennis courts, lawn bowling, shuffleboard, horseshoes, pickle ball and much more. The newest addition to this community is the wonderful 20/20 CLUB offering a recently new state-of-the-art exercise center, spa center, & café. Sun City Center offers over 200 clubs and activities for your entertaining pleasure, centrally located to Brandon, Tampa, St. Petersburg, Bradenton and Sarasota, enjoy award winning beaches, and many sports all minutes away. What's not to love? Come have fun in the FLORIDA Sun!

11. 2020-11-22
    price $110,000 1460-char remark

    Show marketing remark (1460 chars)

    SELLER MOTIVATED - SEND ALL OFFERS - What's not to love? Lovely gated 55+ community of Kings Point. Turnkey and move-in ready condo, in Kings point. This little bit of Paradise is just waiting for you. It is time to enjoy Kings Point lifestyle at its best. A large enclosed lanan for the hot days and a outdoor porch for the summer nights offering the best of Florida living. The property has an updated kitchen and bathrooms, with granite counter-tops and new cabinetry. Property also has an updated electrical panel with an an indoor laundry room. There is carpeting in both bedrooms and ceiling fans to keep you cool in case you don't want to use the air conditioning. Seller has KPW Basic in place to cover appliances a will transfer remaining coverage. Kings Point is wonderful adult playground and you won't want to miss out on any of it. Kings Point is a gated community with 2 wonderful Clubhouses both with indoor and outdoor pools, tennis courts, lawn bowling, shuffleboard, horseshoes, pickle ball and much more. The newest addition to this community is the wonderful 20/20 CLUB offering a recently new state-of-the-art exercise center, spa center, & café. Sun City Center offers over 200 clubs and activities for your entertaining pleasure, centrally located to Brandon, Tampa, St. Petersburg, Bradenton and Sarasota, enjoy award winning beaches, and many sports all minutes away. What's not to love? Come have fun in the FLORIDA Sun!

12. 2020-10-17
    listed $120,000 Active 1460-char remark

    Show marketing remark (1460 chars)

    SELLER MOTIVATED - SEND ALL OFFERS - What's not to love? Lovely gated 55+ community of Kings Point. Turnkey and move-in ready condo, in Kings point. This little bit of Paradise is just waiting for you. It is time to enjoy Kings Point lifestyle at its best. A large enclosed lanan for the hot days and a outdoor porch for the summer nights offering the best of Florida living. The property has an updated kitchen and bathrooms, with granite counter-tops and new cabinetry. Property also has an updated electrical panel with an an indoor laundry room. There is carpeting in both bedrooms and ceiling fans to keep you cool in case you don't want to use the air conditioning. Seller has KPW Basic in place to cover appliances a will transfer remaining coverage. Kings Point is wonderful adult playground and you won't want to miss out on any of it. Kings Point is a gated community with 2 wonderful Clubhouses both with indoor and outdoor pools, tennis courts, lawn bowling, shuffleboard, horseshoes, pickle ball and much more. The newest addition to this community is the wonderful 20/20 CLUB offering a recently new state-of-the-art exercise center, spa center, & café. Sun City Center offers over 200 clubs and activities for your entertaining pleasure, centrally located to Brandon, Tampa, St. Petersburg, Bradenton and Sarasota, enjoy award winning beaches, and many sports all minutes away. What's not to love? Come have fun in the FLORIDA Sun!

13. 2014-03-28
    soldstatus $60,000
14. 2014-03-24
    soldstatus $60,000 Sold
15. 2013-10-04
    listed $63,000
16. 2009-08-20
    soldstatus $49,000
17. 2008-07-30
    listed $49,000
18. 2005-01-26
    soldstatus $99,000
19. 2005-01-25
    soldstatus $99,000
20. 2004-11-20
    listed $105,500
21. 2002-04-30
    soldstatus $44,000
22. 1993-12-07
    soldstatus $39,000

ⓘ 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: $2,351 · $196/mo
• Projected year-2 tax: $2,351 · $196/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 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 · 28 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: $20,336
• − Mortgage interest: −$6,862
• − Property taxes: −$2,351
• − Insurance: −$612
• − Repairs & maintenance: −$1,627
• − Management: −$1,627
• − HOA: −$8,016
• − Depreciation: −$3,564
• Taxable loss: −$4,323
• Est. tax savings @ 24.0%: +$1,038
• After-tax cash flow: $-1,586/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

+214.1% since first listed

22 events — show timeline

• 2026-05-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-25 Price Changed $122,500 Stellar MLS as Distributed by MLS Grid
• 2026-03-05 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2024-01-19 Sold (Public Records) $184,900 Public Records
• 2024-01-16 Sold (MLS) $184,900 Stellar MLS as Distributed by MLS Grid
• 2023-12-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-10-21 Listed $184,900 Stellar MLS as Distributed by MLS Grid
• 2021-01-05 Sold (Public Records) $110,000 Public Records
• 2020-12-30 Sold (MLS) $110,000 Stellar MLS as Distributed by MLS Grid
• 2020-12-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-11-22 Price Changed $110,000 Stellar MLS as Distributed by MLS Grid
• 2020-10-17 Listed $120,000 Stellar MLS as Distributed by MLS Grid
• 2014-03-28 Sold (Public Records) $60,000 Public Records
• 2014-03-24 Sold (MLS) $60,000 Stellar MLS as Distributed by MLS Grid
• 2013-10-04 Listed $63,000 Stellar MLS as Distributed by MLS Grid
• 2009-08-20 Sold (MLS) $49,000 Stellar MLS as Distributed by MLS Grid
• 2008-07-30 Listed $49,000 Stellar MLS as Distributed by MLS Grid
• 2005-01-26 Sold (Public Records) $99,000 Public Records
• 2005-01-25 Sold (MLS) $99,000 Stellar MLS as Distributed by MLS Grid
• 2004-11-20 Listed $105,500 Stellar MLS as Distributed by MLS Grid
• 2002-04-30 Sold (Public Records) $44,000 Public Records
• 1993-12-07 Sold (Public Records) $39,000 Public Records

Property tax history

+19.3%/yr

Latest (2025): $2,351 · +84.9% YoY. Source: county tax records.