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6944 Sundial Dr
D+ Composite 45.29
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 +12.6/15.0
  • Cash flow +10.7/30.0
  • Condition / age +5.0/5.0
  • Schools +4.0/10.0
  • Livability +3.9/5.0
  • 1% rule +3.2/10.0
  • DSCR +3.1/10.0
  • Rent growth +3.0/5.0
  • Appreciation +0.0/10.0

$279,990

6944 Sundial Dr · Lakeland, FL 33813
3 bd · 2.0 ba · 1,501 sqft · SingleFamily · 160 Days on market
Built 2027 Excellent condition 5,999 sqft lot 2-car garage $187/sqft · 11% below area Est $316k · 11% under $13/mo HOA · 1% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Pre-Construction. To be built. Welcome to Touchstone in Lakeland, FL! Picture coming home to a peaceful neighborhood designed for comfort, connection, and everyday ease. Whether you're splashing in the community pool, relaxing in the shaded cabana, or letting the kids burn off energy at the playground, Touchstone makes it easy to enjoy downtime close to home. Touchstone puts you moments from Lakeland’s best conveniences and attractions. You’ll enjoy quick access to US Hwy 98, making errands, work, and weekend outings a breeze. Choose from our line of open-concept floorplans, including both one- and two-story options.

Key facts

  • Community pool
  • Shaded cabana
  • Playground

Tags

COMMUNITY POOLSHADED CABANAPLAYGROUNDQUICK ACCESS TO US HWY 98OPEN-CONCEPT FLOORPLANSGRANITE KITCHEN COUNTERTOPS

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $280k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-135 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $260k (7.0% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $230k (18.0% below list).
  • Recommended offer: $230k (18.0% below list) — sets the bar for 1% rule.
  • Cap rate 5.7% vs local median 4.2% in Lakeland — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 77/100 on livability (#206 in FL, #3,179 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D+, amenities F, commute F.
  • Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Spessard L Holland Elementary (math 47% / reading 49%, grade D, #1,171 of 2,144 statewide, top 55%, 766 students, 52% FRL); Bartow Middle School (math 33% / reading 36%, grade F, #421 of 571 statewide, top 74%, 1,046 students, 63% FRL); Bartow Senior High School (math 26% / reading 46%, grade F, #359 of 667 statewide, top 55%, 2,125 students, 44% FRL).
  • Market conditions: Rents rising (+1.8%/yr); 458 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals lingering (median 66d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
  • Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 160 days — a 12% lower offer ($246k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $229,512 (18.0% 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 160 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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.
  8. 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.
  9. 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
0.82%
Cap rate
5.72%
Cash-on-cash
-2.06%
DSCR
0.91
GRM
10.2

CMA / ARV

ARV (median comp)
$315,685
List price
$279,990
Delta
-11.31%
Verdict
UNDERPRICED
Comps
16 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
6688 Millstone Ave 0.07mi 3/2.0 1,486 (-1%) 2mo $301,190 $203 93
6682 Millstone Ave 0.08mi 3/2.0 1,479 (-2%) 1mo $297,900 $201 93
6751 Flagstone Ave 0.14mi 3/2.0 1,486 (-1%) 1mo $309,470 $208 91
4020 Rutile Rd 0.12mi 3/2.0 1,545 (+3%) 1mo $339,900 $220 88
6757 Flagstone Ave 0.13mi 3/2.0 1,644 (+10%) 1mo $321,900 $196 77
3974 Lime Tree Ln 0.34mi 3/2.0 1,365 (-9%) 0mo $274,900 $201 68
3905 Lemon Tree Ct 0.35mi 3/2.0 1,670 (+11%) 1mo $354,900 $213 64
4019 Rutile Rd 0.16mi 4/2.0 (+1) 1,715 (+14%) 1mo $361,920 $211 62
4052 Lehman Ct 0.67mi 3/2.0 1,642 (+9%) 1mo $363,000 $221 53
4052 Lana Dr 0.55mi 3/2.0 1,302 (-13%) 1mo $290,000 $223 52
6149 Waterman Ln 0.70mi 3/2.0 1,677 (+12%) 1mo $304,900 $182 47
3505 Christina Groves Cir N 0.71mi 3/2.0 1,329 (-12%) 1mo $297,000 $223 47

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 · 1.81% rent growth · sell at horizon

5-year hold
IRR
-21.0%
Equity multiple
0.28×
Total profit
$-56,629
Equity at exit
$41,747
10-year hold
IRR
-17.4%
Equity multiple
0.09×
Total profit
$-71,075
Equity at exit
$24,208

Cash invested: $78,397 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
37 active · 39 under contract
Months of supply
13.1 mo (8%/mo absorbed)
Median asking
$304,990 ($198/sqft)
Median days on market
63 d
This list price
11% of active listings are priced below it
ARV vs active asking
+6.3% vs current asking $/sqft

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

ZIP-level market 33813

Rents YoY
1.8%
Active inventory
458
Price-to-rent
10.2×

Monthly cashflow live

Estimated rent
$2,295 high interval (Pro) →
Mortgage (P&I)
$1,468
Tax est. 1.5%
$350 /mo · $4,200/yr
Insurance
$117
HOA
$13
Vacancy / Maint / Mgmt
$482
Net cashflow
$-135

Break-even live

Break-even rent $2,466
Max offer price $260,484
Occupancy floor

Sensitivity live

Price -10% $59 -5% $-38 +0% $-135 +5% $-232 +10% $-328
Rent -10% $-316 -5% $-225 +0% $-135 +5% $-44 +10% $47
Rate -1.0pp $6 -0.5pp $-64 base $-135 +0.5pp $-207 +1.0pp $-281

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
$69,998
Closing costs
$8,400
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 27 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3875 Horizon Hill Dr Lakeland, FL 4.0 2.0 1748 $2,100 $1.20 9d 1 0.36mi
4017 Lana Dr Lakeland, FL 3.0 2.5 1651 $1,851 $1.12 109d 1 0.49mi
4128 Sunny Land Dr Lakeland, FL 3.0 2.0 1172 $1,739 $1.48 6d 1 0.66mi
4138 Sunny Glen Dr Lakeland, FL 3.0 2.0 1248 $1,890 $1.51 3d 1 0.70mi
6342 Hampton Pointe Cir Lakeland, FL 3.0 2.0 1864 $1,891 $1.01 4d 1 0.86mi
6446 Polly Ln Lakeland, FL 3.0 2.0 2005 $1,900 $0.95 9d 1 0.87mi
3842 Featherwood Trl Lakeland, FL 3.0 2.0 1490 $2,100 $1.41 71d 1 0.89mi
6980 Bentridge Dr Unit 4/2 Lakeland, FL 4.0 3.0 2216 $5,300 $2.39 9d 1 0.94mi
6980 Bentridge Dr Lakeland, FL 4.0 2.0 2216 $5,300 $2.39 9d 1 0.94mi
3819 Resting Robin Ave Unit NA Bartow, FL 4.0 2.0 1824 $2,299 $1.26 119d 1 0.95mi
2202 Morning Mist Ave Bartow, FL 4.0 3.0 2060 $1,845 $0.90 9d 1 0.96mi
2202 Morning Mist Ave Bartow, FL 4.0 2.0 1884 $2,200 $1.17 4d 1 0.96mi
3305 Lounging Wren Ln Bartow, FL 4.0 2.0 1824 $2,299 $1.26 119d 1 0.97mi
1970 Country Manor St Bartow, FL 4.0 3.0 2080 $2,216 $1.07 117d 1 1.13mi
2702 Red Egret Dr Bartow, FL 3.0 2.0 1555 $2,140 $1.38 119d 1 1.15mi
4134 April St N Lakeland, FL 3.0 2.0 1256 $1,910 $1.52 119d 1 1.19mi
2674 Red Egret Dr Bartow, FL 4.0 2.0 1815 $2,050 $1.13 4d 1 1.20mi
4228 April St N Lakeland, FL 4.0 2.0 1479 $2,045 $1.38 9d 1 1.23mi
5967 Hillside Heights Dr Lakeland, FL 3.0 2.0 1393 $1,800 $1.29 65d 1 1.28mi
5967 Hillside Heights Dr Lakeland, FL 3.0 2.0 1393 $1,995 $1.43 119d 1 1.29mi
3858 Whitedove Dr Lakeland, FL 3.0 2.0 1280 $1,450 $1.13 114d 1 1.34mi
3701 Feather Dr Lakeland, FL 3.0 2.0 1325 $2,099 $1.58 9d 1 1.39mi
6018 Charloma Dr Lakeland, FL 3.0 2.0 1734 $2,500 $1.44 119d 1 1.42mi
2611 Highlands Creek Way Lakeland, FL 4.0 3.0 2120 $2,695 $1.27 76d 1 1.44mi
5970 Chaps Dr Lakeland, FL 3.0 2.0 1874 $2,281 $1.22 92d 1 1.46mi
5619 Fischer Dr Lakeland, FL 4.0 2.0 1859 $2,400 $1.29 9d 1 1.47mi
2597 Highlands Creek Way Lakeland, FL 4.0 3.0 2095 $2,675 $1.28 119d 1 1.47mi

Property features AI

Finance

Other
Lease restrictions applyHome warranty includedGreen features: HVAC MERV 8+ filters, no/low VOC flooring and paint/finish, ventilation, energy-efficient appliances/lighting/thermostat/windows, drip irrigation, low-flow fixtures
Financial info
Other annual assessment: $2,500Total monthly fees listed as $13
HOA & community
HOA: Ryan HomesMonthly HOA fee $13 (includes grounds maintenance and recreational facilities)Community poolPets allowed

Exterior

Parking
Attached 2-car garage (18x20) with garage door openerDriveway
Security
Smoke detector(s)
Utilities
Public waterPublic sewerElectricity availableIrrigation equipment present
Home design
Single family residenceOne storyPre-construction / New construction (projected completion Nov 30, 2026)East-facing
Construction
Block and stucco constructionShingle roofSlab foundationBuilder: Ryan Homes (Model: CORAL)New construction
Exterior features
Covered patioPatioHurricane shuttersSliding doorsSidewalkPaved lot

Interior

Kitchen
DishwasherDisposalMicrowaveRefrigeratorStone countersEat-in layoutKitchen/family room combo
Bedrooms
3 bedrooms
Flooring
CarpetCeramic tile
Bathrooms
2 full bathrooms
Heating & cooling
Central heatingCentral air conditioning
Interior features
Eat-in kitchenKitchen/family room comboStone countersThermostatWalk-in closetsENERGY STAR qualified windowsSmoke detectors
Laundry & utility
Inside laundry (washer and dryer included)Inside utility room

HOA detail $13/mo · $156/yr

Likely covers
pool

Listing history 50 events

  1. 2026-09-23
    days on market $279,990 Active 160 DOM
  2. 2026-09-22
    days on market $279,990 Active 159 DOM
  3. 2026-09-20
    days on market $279,990 Active 157 DOM
  4. 2026-09-19
    days on market $279,990 Active 156 DOM
  5. 2026-09-18
    days on market $279,990 Active 155 DOM
  6. 2026-09-17
    days on market $279,990 Active 154 DOM
  7. 2026-09-16
    days on market $279,990 Active 153 DOM
  8. 2026-09-15
    days on market $279,990 Active 152 DOM
  9. 2026-09-14
    days on market $279,990 Active 151 DOM
  10. 2026-09-13
    days on market $279,990 Active 150 DOM
  11. 2026-09-12
    days on market $279,990 Active 149 DOM
  12. 2026-09-11
    days on market $279,990 Active 148 DOM
  13. 2026-09-05
    days on market $279,990 Active 142 DOM
  14. 2026-09-04
    days on market $279,990 Active 141 DOM
  15. 2026-09-03
    days on market $279,990 Active 140 DOM
  16. 2026-08-31
    days on market $279,990 Active 137 DOM
  17. 2026-08-30
    days on market $279,990 Active 136 DOM
  18. 2026-08-29
    days on market $279,990 Active 135 DOM
  19. 2026-08-28
    days on market $279,990 Active 134 DOM
  20. 2026-08-27
    days on market $279,990 Active 133 DOM
  21. 2026-08-26
    days on market $279,990 Active 132 DOM
  22. 2026-08-25
    days on market $279,990 Active 131 DOM
  23. 2026-08-24
    days on market $279,990 Active 130 DOM
  24. 2026-08-23
    days on market $279,990 Active 129 DOM
  25. 2026-08-22
    days on market $279,990 Active 128 DOM
  26. 2026-08-21
    days on market $279,990 Active 127 DOM
  27. 2026-08-20
    days on market $279,990 Active 126 DOM
  28. 2026-08-19
    days on market $279,990 Active 125 DOM
  29. 2026-08-18
    days on market $279,990 Active 124 DOM
  30. 2026-08-17
    days on market $279,990 Active 123 DOM
  31. 2026-08-16
    days on market $279,990 Active 122 DOM
  32. 2026-08-15
    days on market $279,990 Active 121 DOM
  33. 2026-08-14
    days on market $279,990 Active 120 DOM
  34. 2026-08-13
    pricedays on market $279,990 Active 119 DOM
  35. 2026-08-12
    days on market $274,990 Active 118 DOM
  36. 2026-08-11
    days on market $274,990 Active 117 DOM
  37. 2026-08-10
    days on market $274,990 Active 116 DOM
  38. 2026-08-09
    days on market $274,990 Active 115 DOM
  39. 2026-08-08
    days on market $274,990 Active 114 DOM
  40. 2026-08-07
    days on market $274,990 Active 113 DOM
  41. 2026-08-06
    days on market $274,990 Active 112 DOM
  42. 2026-08-05
    days on market $274,990 Active 111 DOM
  43. 2026-08-04
    days on market $274,990 Active 110 DOM
  44. 2026-08-03
    days on market $274,990 Active 109 DOM
  45. 2026-07-31
    days on market $274,990 Active 106 DOM
  46. 2026-07-30
    days on market $274,990 Active 105 DOM
  47. 2026-07-30
    days on market $274,990 Active 104 DOM
  48. 2026-07-28
    days on market $274,990 Active 103 DOM
  49. 2026-07-26
    days on market $274,990 Active 101 DOM
  50. 2026-07-24
    days on market $274,990 Active 99 DOM

ⓘ 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 7/10 Severe
  • 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 23 d/yr by 30 yrs out
  • 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$27,541
− Mortgage interest
−$15,684
− Property taxes
−$4,200
− Insurance
−$1,400
− Repairs & maintenance
−$2,203
− Management
−$2,203
− HOA
−$156
− Depreciation
−$8,145
Taxable loss
−$6,450
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,548
After-tax cash flow
$-70/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

Excellent 100/100 None rehab

This home is in excellent condition with no visible repairs needed. It is move-in ready and offers a great value for both resale and rental.

Value-add opportunities

  • Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics.
  • Both Landscaping improvements — Enhances curb appeal and adds value to the property.
  • Both Add smart home features — Improves convenience and adds value to the property.
  • Both Install smart thermostat — Saves energy and adds value to the property.
  • Both Add smart security system — Enhances safety and adds value to the property.
F Composite school gradezoned avg 40/100

Zoned Schools

Elementary Spessard L Holland Elementary D FL #1,171/2,144 Nat'l #14,249/41,679 Middle Bartow Middle School F FL #421/571 Nat'l #7,581/14,009 High Bartow Senior High School F FL #359/667 Nat'l #9,405/17,239

Schools (NCES district)

District
Polk
NCES district ID
1201590
Math proficiency
39% ▼ -11.00%
Reading proficiency
43% ▼ -4.00%
Median HH income
$43,979
Composite
34.74/100
National rank
#5132
State rank
#62 of 73 in FL
B Composite livability gradescore 77/100

Livability — Lakeland

Score
77/100
State rank
#206
US rank
#3179

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Polk County · 752,975 people
City population
277,690
Metro
Lakeland-Winter Haven, FL
Population (ZIP)
38,674
Household income
$99,497
Rent vs Own
21.0% rent · 79.0% own
Severe rent burden
12% of renters

Population outlook (Polk County) Hauer SSP2

Today (2025)
752,975 people
By 2030
804,621 · +6.9%
By 2040
906,117 · +20.3%
By 2050
1,000,476 · +32.9%
By 2075
1,197,520 · +59.0%
By 2100
1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (70%)
Race & ethnicity
White 70% Hispanic / Latino 17% Two or more races 10% Black 5% Asian 3%
Hispanic origin (detail)
Mexican 4% Puerto Rican 5% Cuban 3%
Common ancestry
Italian 3% Slovak 2% Lithuanian 2%
Foreign-born
10% · Canada, China
Languages at home
85% English-only · Spanish 11% Other Indo-European 2% Chinese 0%

Political lean MEDSL · Polk

2024 margin
Strong R (+20.7) · D 39.2% · R 59.9%
2008→2024 swing
-14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
All cycles
2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

Civics

Price history

+7.8% since first listed
4 events — show timeline
  • 2026-06-06 Price Changed $274,990 Stellar MLS as Distributed by MLS Grid
  • 2026-05-12 Price Changed $264,990 Stellar MLS as Distributed by MLS Grid
  • 2026-04-21 Price Changed $257,990 Stellar MLS as Distributed by MLS Grid
  • 2026-04-16 Listed $254,990 Stellar MLS as Distributed by MLS Grid

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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