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6949 Sundial Dr
D- Composite 36.78
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 +10.0/15.0
  • Cash flow +7.4/30.0
  • Condition / age +5.0/5.0
  • Schools +4.0/10.0
  • Livability +3.9/5.0
  • Rent growth +3.0/5.0
  • 1% rule +2.2/10.0
  • DSCR +1.5/10.0
  • Appreciation +0.0/10.0

$289,990

6949 Sundial Dr · Lakeland, FL 33813
3 bd · 2.0 ba · 1,452 sqft · SingleFamily · 183 Days on market
Built 2027 Excellent condition 6,284 sqft lot 2-car garage $200/sqft · 6% below area Est $307k · 6% 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
  • Included appliances

Tags

COMMUNITY POOLSHADED CABANAPLAYGROUNDOPEN-CONCEPT FLOORPLANSGRANITE KITCHEN COUNTERTOPSINCLUDED APPLIANCES

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 $290k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-378 ($-5k/yr) — negative.
  • To cash-flow at today's rent, offer at most $235k (18.9% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $207k (28.5% below list).
  • Recommended offer: $207k (28.5% below list) — sets the bar for 1% rule.

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); 501 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals lingering (median 55d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 61% 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 $9k 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 183 days — a 12% lower offer ($255k) 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 $207,453 (28.5% 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 183 days. Have you received any prior offers? Is the seller open to a 28% 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
0.72% ✗
Cap rate
4.73%
Cash-on-cash
-5.59%
DSCR
0.75
GRM
11.6

CMA / ARV

ARV (median comp)
$307,000
List price
$289,990
Delta
-5.54%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
6682 Millstone Ave 0.05mi 3/2.0 1,479 (+2%) 2mo $297,900 $201 93
6688 Millstone Ave 0.04mi 3/2.0 1,486 (+2%) 3mo $301,190 $203 91
6751 Flagstone Ave 0.11mi 3/2.0 1,486 (+2%) 2mo $309,470 $208 89
4020 Rutile Rd 0.11mi 3/2.0 1,545 (+6%) 3mo $339,900 $220 82
7159 Sundial Dr 0.15mi 3/2.0 1,313 (-10%) 1mo $260,970 $199 76
3974 Lime Tree Ln 0.31mi 3/2.0 1,365 (-6%) 2mo $274,900 $201 74
6775 Flagstone Ave 0.10mi 3/2.0 1,644 (+13%) 1mo $323,000 $196 72
6757 Flagstone Ave 0.09mi 3/2.0 1,644 (+13%) 2mo $321,900 $196 72
3744 Paula Ct 0.72mi 3/2.0 1,450 (-0%) 1mo $315,000 $217 66
4052 Lana Dr 0.52mi 3/2.0 1,302 (-10%) 2mo $290,000 $223 57
3505 Christina Groves Cir N 0.72mi 3/2.0 1,329 (-8%) 2mo $297,000 $223 50
4052 Lehman Ct 0.65mi 3/2.0 1,642 (+13%) 2mo $363,000 $221 46

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
-27.2%
Equity multiple
0.09×
Total profit
$-73,493
Equity at exit
$43,238
10-year hold
IRR
-29.8%
Equity multiple
-0.29×
Total profit
$-104,687
Equity at exit
$25,073

Cash invested: $81,197 (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
33 active · 44 under contract
Months of supply
7.3 mo (14%/mo absorbed)
Median asking
$300,000 ($202/sqft)
Median days on market
71 d
This list price
24% of active listings are priced below it
ARV vs active asking
+4.8% 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
501
Price-to-rent
11.6×

Monthly cashflow live

Estimated rent
$2,075 high interval (Pro) →
Mortgage (P&I)
−$1,521
Tax est. 1.5%
−$362 /mo · $4,350/yr
Insurance
−$121
HOA
−$13
Vacancy / Maint / Mgmt
−$436
Net cashflow
$-378

Break-even live

Break-even rent $2,553
Max offer price $235,267
Occupancy floor —

Sensitivity live

Price -10% $-178 -5% $-278 +0% $-378 +5% $-478 +10% $-579
Rent -10% $-542 -5% $-460 +0% $-378 +5% $-296 +10% $-214
Rate -1.0pp $-232 -0.5pp $-304 base $-378 +0.5pp $-453 +1.0pp $-530

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
$72,498
Closing costs
$8,700
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 28 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3804 Horizon View Loop Lakeland, FL 3.0 2.0 1228 $1,679 $1.37 15d 1 0.29mi
3875 Horizon Hill Dr Lakeland, FL 4.0 2.0 1748 $2,100 $1.20 55d 1 0.36mi
4017 Lana Dr Lakeland, FL 3.0 2.5 1651 $1,851 $1.12 155d 1 0.49mi
3919 Lehman Ct Lakeland, FL 3.0 2.0 1577 $2,195 $1.39 7d 1 0.58mi
4128 Sunny Land Dr Lakeland, FL 3.0 2.0 1172 $1,679 $1.43 45d 1 0.66mi
4138 Sunny Glen Dr Lakeland, FL 3.0 2.0 1248 $1,890 $1.51 48d 1 0.70mi
6368 Sunny Way Lakeland, FL 3.0 2.0 1242 $1,840 $1.48 1d 1 0.74mi
4482 Cozy Condor Ct Bartow, FL 4.0 2.0 1817 $2,200 $1.21 2d 1 0.77mi
6511 Fox Crest Ln Lakeland, FL 4.0 2.0 1659 $1,970 $1.19 0d 1 0.84mi
6342 Hampton Pointe Cir Lakeland, FL 3.0 2.0 1864 $1,891 $1.01 49d 1 0.86mi
3842 Featherwood Trl Lakeland, FL 3.0 2.0 1490 $2,100 $1.41 116d 1 0.89mi
6561 Polly Ln Lakeland, FL 4.0 2.0 1717 $2,209 $1.29 2d 1 0.95mi
6561 Polly Ln Lakeland, FL 4.0 2.0 1717 $2,249 $1.31 21d 1 0.95mi
3819 Resting Robin Ave Unit NA Bartow, FL 4.0 2.0 1824 $2,299 $1.26 164d 1 0.95mi
3305 Lounging Wren Ln Bartow, FL 4.0 2.0 1824 $2,299 $1.26 164d 1 0.97mi
2702 Red Egret Dr Bartow, FL 3.0 2.0 1555 $2,140 $1.38 164d 1 1.15mi
4134 April St N Lakeland, FL 3.0 2.0 1256 $1,910 $1.52 164d 1 1.19mi
2674 Red Egret Dr Bartow, FL 4.0 2.0 1815 $1,999 $1.10 10d 1 1.20mi
4228 April St N Lakeland, FL 4.0 2.0 1479 $1,925 $1.30 28d 1 1.23mi
5967 Hillside Heights Dr Lakeland, FL 3.0 2.0 1393 $1,800 $1.29 110d 1 1.28mi
5967 Hillside Heights Dr Lakeland, FL 3.0 2.0 1393 $1,995 $1.43 164d 1 1.29mi
3858 Whitedove Dr Lakeland, FL 3.0 2.0 1280 $1,450 $1.13 160d 1 1.34mi
3972 Whitedove Dr Lakeland, FL 3.0 1.5 1011 $1,670 $1.65 118d 1 1.38mi
5804 Stokes Rd Lakeland, FL 2.0 1.0 900 $1,350 $1.50 10d 1 1.39mi
3701 Feather Dr Lakeland, FL 3.0 2.0 1325 $2,099 $1.58 55d 1 1.39mi
6018 Charloma Dr Lakeland, FL 3.0 2.0 1734 $2,500 $1.44 164d 1 1.42mi
5970 Chaps Dr Lakeland, FL 3.0 2.0 1874 $2,281 $1.22 138d 1 1.46mi
5619 Fischer Dr Lakeland, FL 4.0 2.0 1859 $2,300 $1.24 10d 1 1.47mi

Property features AI

Finance

Other
Home warranty includedGreen features include HVAC MERV 8+ filtration, low-VOC flooring and paint/finish, ventilation, drip irrigation, and low-flow fixtures
Financial info
Other annual assessment: $2,500Total monthly fees: $13Total annual fees: $156Lease restrictions apply
HOA & community
HOA: RYAN HOMESMonthly HOA $13 (includes maintenance of grounds and recreational facilities)Community poolPets allowed

Exterior

Parking
Attached 2-car garage (18x20)DrivewayGarage door opener
Security
Smoke detector(s)
Utilities
Public waterPublic sewerElectricity availableWater availableOther utilities available
Home design
Single family residenceOne storyNew construction (projected completion 2026-11-30)Faces west
Construction
Block and stucco constructionShingle roofSlab foundationBuilder: RYAN HOMES (Model: MAHOGANY)Builder license CBC1257565Pre-construction conditionBuilt as green/energy-efficient with appliances, efficient lighting, thermostat, and energy-efficient windows
Exterior features
Covered patioPatioHurricane shuttersSliding doorsSidewalkPaved lotFl. friendly/native landscapingIrrigation equipment

Interior

Kitchen
DishwasherDisposalMicrowaveRefrigerator
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 closet(s)ENERGY STAR qualified windowsSmoke detector(s)
Laundry & utility
WasherDryerInside laundryInside utility

HOA detail $13/mo · $156/yr

Likely covers
pool

Listing history 50 events

  1. 2026-10-16
    days on market $289,990 Active 183 DOM
  2. 2026-10-15
    days on market $289,990 Active 182 DOM
  3. 2026-10-14
    days on market $289,990 Active 181 DOM
  4. 2026-10-13
    days on market $289,990 Active 180 DOM
  5. 2026-10-12
    days on market $289,990 Active 179 DOM
  6. 2026-10-11
    days on market $289,990 Active 178 DOM
  7. 2026-10-10
    days on market $289,990 Active 177 DOM
  8. 2026-10-09
    days on market $289,990 Active 176 DOM
  9. 2026-10-08
    days on market $289,990 Active 175 DOM
  10. 2026-10-07
    days on market $289,990 Active 174 DOM
  11. 2026-10-06
    days on market $289,990 Active 173 DOM
  12. 2026-10-05
    days on market $289,990 Active 172 DOM
  13. 2026-10-05
    days on market $289,990 Active 171 DOM
  14. 2026-10-03
    days on market $289,990 Active 170 DOM
  15. 2026-10-02
    days on market $289,990 Active 169 DOM
  16. 2026-10-01
    days on market $289,990 Active 168 DOM
  17. 2026-09-30
    days on market $289,990 Active 167 DOM
  18. 2026-09-29
    days on market $289,990 Active 166 DOM
  19. 2026-09-28
    days on market $289,990 Active 165 DOM
  20. 2026-09-27
    days on market $289,990 Active 164 DOM
  21. 2026-09-25
    days on market $289,990 Active 162 DOM
  22. 2026-09-24
    days on market $289,990 Active 161 DOM
  23. 2026-09-23
    days on market $289,990 Active 160 DOM
  24. 2026-09-22
    days on market $289,990 Active 159 DOM
  25. 2026-09-20
    days on market $289,990 Active 157 DOM
  26. 2026-09-19
    days on market $289,990 Active 156 DOM
  27. 2026-09-18
    days on market $289,990 Active 155 DOM
  28. 2026-09-17
    days on market $289,990 Active 154 DOM
  29. 2026-09-16
    days on market $289,990 Active 153 DOM
  30. 2026-09-15
    days on market $289,990 Active 152 DOM
  31. 2026-09-14
    days on market $289,990 Active 151 DOM
  32. 2026-09-13
    days on market $289,990 Active 150 DOM
  33. 2026-09-12
    days on market $289,990 Active 149 DOM
  34. 2026-09-11
    days on market $289,990 Active 148 DOM
  35. 2026-09-05
    days on market $289,990 Active 142 DOM
  36. 2026-09-04
    days on market $289,990 Active 141 DOM
  37. 2026-09-03
    days on market $289,990 Active 140 DOM
  38. 2026-08-31
    days on market $289,990 Active 137 DOM
  39. 2026-08-30
    days on market $289,990 Active 136 DOM
  40. 2026-08-29
    days on market $289,990 Active 135 DOM
  41. 2026-08-28
    days on market $289,990 Active 134 DOM
  42. 2026-08-27
    days on market $289,990 Active 133 DOM
  43. 2026-08-26
    days on market $289,990 Active 132 DOM
  44. 2026-08-25
    days on market $289,990 Active 131 DOM
  45. 2026-08-24
    days on market $289,990 Active 130 DOM
  46. 2026-08-23
    days on market $289,990 Active 129 DOM
  47. 2026-08-22
    days on market $289,990 Active 128 DOM
  48. 2026-08-21
    days on market $289,990 Active 127 DOM
  49. 2026-08-20
    days on market $289,990 Active 126 DOM
  50. 2026-08-19
    days on market $289,990 Active 125 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
$24,894
− Mortgage interest
−$16,244
− Property taxes
−$4,350
− Insurance
−$1,450
− Repairs & maintenance
−$1,992
− Management
−$1,992
− HOA
−$156
− Depreciation
−$8,436
Taxable loss
−$9,725
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,334
After-tax cash flow
$-2,204/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 · 10 photos

Excellent 100/100 None rehab

This home is in excellent condition with no visible repairs needed. It is move-in ready and has the potential for further value increases through minor updates and improvements.

Value-add opportunities

  • Both Painting the exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
  • Both Landscaping improvements — Enhances curb appeal and adds value to the property. ↑
  • Both Upgrading the flooring in the bathrooms — Modernizes the bathrooms and improves functionality. ↑
  • Both Adding smart home features — Enhances convenience and adds value to the property. ↑
  • Both Upgrading the kitchen appliances — Modernizes the kitchen 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%
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

+5.6% since first listed
3 events — show timeline
  • 2026-06-06 Price Changed $284,990 Stellar MLS as Distributed by MLS Grid
  • 2026-05-12 Price Changed $279,990 Stellar MLS as Distributed by MLS Grid
  • 2026-04-16 Listed $269,990 Stellar MLS as Distributed by MLS Grid

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…