400 EL Camino Dr #210 · Cypress Gardens, FL 33884

$130,000

3 bd · 2.0 ba · 1,666 sqft · Condo public records · 137 Days on market

Built 1974 $448/mo HOA · 22% of rent

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Why this score? — see what drove the C+ 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 +25.6/30.0
• 1% rule +10.0/10.0
• DSCR +8.5/10.0
• ARV discount +7.5/15.0
• Livability +4.0/5.0
• Schools +3.5/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully updated 2nd floor condo located in the hidden oasis of Orchid Springs. A private, safe, & secure community with pool, clubhouse, & great neighbors. This sprawling unit had newer floors and windows. The modern appliances in the kitchen provide all the features that an aspiring gourmet chef could ask for. The Florida Room has great iew through the multiple walls on windows. A tremendous value for those that desire and leisure & maintenance free lifestyle. 55 + age-restricted

Key facts

• Community pool
• End unit
• Stainless appliances

Tags

• END UNIT
• UPDATED LUXURY VINYL FLOORING
• STAINLESS APPLIANCES
• EXTENDED LIVING ROOM
• ENCLOSED FLORIDA ROOM
• COMMUNITY POOL

Property features AI

Finance

• Other: Partially furnished; Living area approximately 1,666 sq ft; One-level unit within a 2-story building; Directions: Cypress Gardens Blvd. to Overlook Drive; turn right (north), go to Granada, turn right, stay right to last building on right.
• Financial info: Lease restrictions apply; Total annual fees $5,376
• HOA & community: HOA managed by Vanguard Management Group; Monthly HOA fee of $448; HOA includes pool, clubhouse, common area taxes, gas, structure maintenance, grounds maintenance, recreational facilities, sewer, trash, and water; Buyer/association approval required; Community features: Clubhouse, Pool, Community mailbox, Deed restrictions, Sidewalks; Pets allowed (dogs only, number and size limits apply — max weight 35 lbs); Senior community

Exterior

• Parking: Assigned parking; Other parking
• Utilities: Public water; Public sewer; Electricity connected; Natural gas connected; Cable available; High-speed internet available; Phone available; Water connected; Sewer connected
• Home design: Condominium (attached); 2 stories (unit on 2nd floor); Faces west
• Construction: Block and stucco construction; Other roof type; Slab foundation; Building name: SAN MIGUEL
• Exterior features: Balcony; Exterior lighting; Sidewalks; Paved road access; Mature landscaping

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile flooring
• Bathrooms: 2 full baths; 1 half bath
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Solid wood cabinets; Split-bedroom layout; Walk-in closets; Blinds
• Laundry & utility: Washer and dryer included; Inside laundry; Inside utility / bonus rooms available

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath condo listed at $130k.

Deal economics

• At list price, monthly cash flow is $306 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 80/100 on livability (#110 in FL, #1,693 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools 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.
• Market conditions: Rents rising (+1.9%/yr); 680 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 35% of the median local income ($70k/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 $899 of loan paydown is wiped out by about $4k 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 137 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 17y 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 22% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $114,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 137 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. 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?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
8. 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.
9. 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.
10. 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: 1.56% ✓
• Cap rate: 9.12%
• Cash-on-cash: 10.10%
• DSCR: 1.45
• GRM: 5.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.9% rent growth · sell at horizon

5-year hold

• IRR: -2.6%
• Equity multiple: 0.90×
• Total profit: $-3,497
• Equity at exit: $19,383

10-year hold

• IRR: 5.6%
• Equity multiple: 1.39×
• Total profit: $14,282
• Equity at exit: $11,240

Cash invested: $36,400 (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 33884

• Home prices YoY: -34.1%
• Rents YoY: 1.9%
• Active inventory: 680
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $2,031 high
• Mortgage (P&I): −$682
• Tax from tax record: −$114 /mo · $1,368/yr
• Insurance: −$54
• HOA: −$448
• Vacancy / Maint / Mgmt: −$426
• Net cashflow: $306

Break-even live

Break-even rent $1,643

Max offer price $130,000

Occupancy floor 80%

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
100 El Camino Dr #309 Winter Haven, FL	2.0	2.0	1579	$1,650	$1.04	14d	1	0.07mi
1050 Michelangelo Ln Winter Haven, FL	3.0	2.0	1659	$2,100	$1.27	14d	1	0.44mi
252 Santa Rosa Dr Winter Haven, FL	3.0	2.0	2116	$2,495	$1.18	23d	1	0.65mi
408 Lake Ned Rd Winter Haven, FL	3.0	2.0	1470	$2,100	$1.43	23d	1	0.69mi
116 Holmes Pl Winter Haven, FL	4.0	3.0	1875	$2,800	$1.49	23d	1	0.69mi
121 Longfellow Rd Winter Haven, FL	3.0	2.0	1395	$1,745	$1.25	3d	1	0.72mi
3601 Cypress Gardens Rd Unit 6 Winter Haven, FL	2.0	2.0	1200	$1,200	$1.00	23d	1	0.83mi
140 Poe Dr Winter Haven, FL	3.0	2.0	1906	$2,250	$1.18	23d	1	0.84mi
728 Lake Ned Rd Winter Haven, FL	3.0	2.0	1664	$2,000	$1.20	23d	1	0.91mi
122 Inman Blvd Winter Haven, FL	4.0	2.0	1896	$2,250	$1.19	3d	1	1.04mi
680 Grove St Winter Haven, FL	3.0	2.0	2080	$2,100	$1.01	14d	1	1.06mi
567 Cody Caleb Dr Winter Haven, FL	3.0	2.0	1642	$1,899	$1.16	23d	1	1.06mi
855 Turner Ln Winter Haven, FL	3.0	2.0	2080	$1,890	$0.91	14d	1	1.09mi
3005 Whispering Trails Dr Winter Haven, FL	4.0	3.0	2150	$1,909	$0.89	21d	1	1.12mi
3904 Osprey Pointe Cir Winter Haven, FL	3.0	2.0	1709	$1,950	$1.14	23d	1	1.16mi
2065 Whispering Trails Blvd Winter Haven, FL	3.0	2.0	1432	$2,000	$1.40	14d	1	1.23mi
5850 Cypress Gardens Blvd #806 Winter Haven, FL	3.0	2.5	1356	$1,800	$1.33	3d	1	1.26mi
5850 Cypress Gardens Blvd Winter Haven, FL	2.0–3.0	1.5–2.5	1308	$1,800	$1.38	14d	2	1.26mi
2845 Whispering Trails Dr Winter Haven, FL	3.0	2.0	1553	$1,800	$1.16	23d	1	1.26mi
4025 Lake Ned Village Cir Winter Haven, FL	1.0–3.0	1.0–2.0	1025	$1,800	$1.76	3d	8	1.30mi
942 Cattleman St Winter Haven, FL	3.0	2.0	1560	$2,200	$1.41	23d	1	1.33mi
133 Lameraux Rd Winter Haven, FL	4.0	2.0	1696	$2,550	$1.50	23d	1	1.37mi
227 W Lake Ina Dr Winter Haven, FL	3.0	2.0	1764	$2,500	$1.42	23d	1	1.39mi
1019 Mockingbird Cir Winter Haven, FL	3.0	2.0	1662	$1,650	$0.99	14d	1	1.40mi
137 Woodland Dr Winter Haven, FL	3.0	2.0	1390	$2,000	$1.44	23d	1	1.42mi
206 Kingshill Ct SE Winter Haven, FL	3.0	2.0	1460	$1,800	$1.23	3d	1	1.44mi
1500 Grey Eagle Ln Winter Haven, FL	4.0	2.0	1846	$2,050	$1.11	14d	1	1.49mi

HOA detail condo

• Monthly dues: $448 · $5,376/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 35 events

1. 2026-06-13
   statusdays on market $130,000 Pending 137 DOM
2. 2026-06-10
   days on market $130,000 Active 135 DOM
3. 2026-06-09
   days on market $130,000 Active 134 DOM
4. 2026-06-08
   days on market $130,000 Active 133 DOM
5. 2026-06-07
   days on market $130,000 Active 132 DOM
6. 2026-06-05
   days on market $130,000 Active 129 DOM
7. 2026-06-03
   days on market $130,000 Active 127 DOM
8. 2026-06-01
   days on market $130,000 Active 126 DOM
9. 2026-05-31
   days on market $130,000 Active 125 DOM
10. 2026-04-08
    price $130,000
11. 2026-01-26
    listed $135,000 Active
12. 2024-09-27
    soldstatus $125,000
13. 2024-09-20
    soldstatus $125,000 Closed 505-char remark

    Show marketing remark (505 chars)

    Beautifully updated 2nd floor condo located in the hidden oasis of Orchid Springs. A private, safe, & secure community with pool, clubhouse, & great neighbors. This sprawling unit had newer floors and windows. The modern appliances in the kitchen provide all the features that an aspiring gourmet chef could ask for. The Florida Room has great iew through the multiple walls on windows. A tremendous value for those that desire and leisure & maintenance free lifestyle. 55 + age-restricted

14. 2024-09-03
    status Pending 505-char remark

    Show marketing remark (505 chars)

    Beautifully updated 2nd floor condo located in the hidden oasis of Orchid Springs. A private, safe, & secure community with pool, clubhouse, & great neighbors. This sprawling unit had newer floors and windows. The modern appliances in the kitchen provide all the features that an aspiring gourmet chef could ask for. The Florida Room has great iew through the multiple walls on windows. A tremendous value for those that desire and leisure & maintenance free lifestyle. 55 + age-restricted

15. 2024-09-03
    price $126,000 505-char remark

    Show marketing remark (505 chars)

    Beautifully updated 2nd floor condo located in the hidden oasis of Orchid Springs. A private, safe, & secure community with pool, clubhouse, & great neighbors. This sprawling unit had newer floors and windows. The modern appliances in the kitchen provide all the features that an aspiring gourmet chef could ask for. The Florida Room has great iew through the multiple walls on windows. A tremendous value for those that desire and leisure & maintenance free lifestyle. 55 + age-restricted

16. 2024-08-16
    listed $125,000 Active 505-char remark

    Show marketing remark (505 chars)

    Beautifully updated 2nd floor condo located in the hidden oasis of Orchid Springs. A private, safe, & secure community with pool, clubhouse, & great neighbors. This sprawling unit had newer floors and windows. The modern appliances in the kitchen provide all the features that an aspiring gourmet chef could ask for. The Florida Room has great iew through the multiple walls on windows. A tremendous value for those that desire and leisure & maintenance free lifestyle. 55 + age-restricted

17. 2021-10-08
    soldstatus $118,250 Closed 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

18. 2021-10-07
    soldstatus $117,500
19. 2021-07-28
    status Pending 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

20. 2021-07-24
    status Active 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

21. 2021-07-18
    status Pending 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

22. 2021-07-16
    status Active 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

23. 2021-07-08
    status Pending 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

24. 2021-05-02
    status Active 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

25. 2021-04-30
    historical 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

26. 2021-04-15
    price $118,950 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

27. 2021-04-06
    price $119,950 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

28. 2021-03-23
    status Active 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

29. 2021-03-05
    status Pending 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

30. 2021-02-23
    price $119,900 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

31. 2021-01-06
    price $124,900 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

32. 2020-12-03
    listed $129,900 Active 864-char remark

    Show marketing remark (864 chars)

    A 55+ COMMUNITY. FEATURING A FRESH, SPACIOUS CONDO WITH TWO MASTER SUITES. THE RENOVATIONS HAVE BEEN COMPLETED IN THE CURRENT TREND OF COLORS AND DECOR. THERE IS AN OPEN, AIRY, SPLIT FLOOR PLAN WITH STATE-OF-THE-ART APPLIANCES. YOU'LL ENJOY LOTS OF NATURAL LIGHT FROM THE OVERSIZED BONUS ROOM, WHICH INCLUDES PLENTY OF STORAGE. THE PROPERTY IS AN END UNIT, WHICH HAS EASY ACCESS TO THE STAIRS AND CONVENIENT PARKING. CONDO HAS A DREAMY OVERVIEW OF BEAUTIFUL CONSERVATION LAND WITH LOADS OF TREES AND WILDLIFE. YOU WILL ENJOY THE CONVENIENCE OF THE ROOF AND EXTERIOR BEING MAINTAINED BY THE ASSOCIATION ALSO INCLUDED IS WATER, GAS, AND A COMMUNITY POOL. THE COMPLEX HAS A ADDITIONAL LAUNDRY ROOM, MEETING ROOM, AND MORE. YOU WILL FIND IT TO BE A CENTRAL LOCATION FOR BUSINESSES AND DOCTORS. ALSO CLOSE TO SHOPPING, RESTAURANTS, ACTIVITIES AND MORE. A REAL MUST-SEE.

33. 2013-12-04
    soldstatus $40,000
34. 2009-11-19
    listed $69,900
35. 1996-12-10
    soldstatus $45,000

ⓘ 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: $1,368 · $114/mo
• Projected year-2 tax: $1,368 · $114/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,369
• − Mortgage interest: −$7,282
• − Property taxes: −$1,368
• − Insurance: −$650
• − Repairs & maintenance: −$1,950
• − Management: −$1,950
• − HOA: −$5,376
• − Depreciation: −$3,782
• Taxable income: $2,012
• Est. tax owed @ 24.0%: −$483
• After-tax cash flow: $3,194/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: 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

Livability — Cypress Gardens

• Score: 80/100
• State rank: #110
• US rank: #1693

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cypress Gardens, FL
• County: Polk County · 740,051 people
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 37,561
• Household income: $70,443
• Rent vs Own: 25.7% rent · 74.3% own
• Severe rent burden: 949.0

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: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10% Cuban 2%
• Common ancestry: Romanian 2% Lithuanian 2% Hispanic 2%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 84% English-only · Spanish 12% French/Haitian/Cajun 1% Other Indo-European 1%

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: —

Market trends

• HPI YoY: ▼ -134.69%
• Current HPI: 260.1421
• Rent YoY: ▲ 1.90%
• Metro: Lakeland-Winter Haven, 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

+188.9% since first listed

26 events — show timeline

• 2026-04-08 Price Changed $130,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-26 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-27 Sold (Public Records) $125,000 Public Records
• 2024-09-20 Sold (MLS) $125,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-09-03 Price Changed $126,000 Stellar MLS as Distributed by MLS Grid
• 2024-08-16 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2021-10-08 Sold (MLS) $118,250 Stellar MLS as Distributed by MLS Grid
• 2021-10-07 Sold (Public Records) $117,500 Public Records
• 2021-07-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-07-24 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-07-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-07-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-07-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-05-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-04-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2021-04-15 Price Changed $118,950 Stellar MLS as Distributed by MLS Grid
• 2021-04-06 Price Changed $119,950 Stellar MLS as Distributed by MLS Grid
• 2021-03-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-03-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-02-23 Price Changed $119,900 Stellar MLS as Distributed by MLS Grid
• 2021-01-06 Price Changed $124,900 Stellar MLS as Distributed by MLS Grid
• 2020-12-03 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2013-12-04 Sold (Public Records) $40,000 Public Records
• 2009-11-19 Listed $69,900 Stellar MLS as Distributed by MLS Grid
• 1996-12-10 Sold (Public Records) $45,000 Public Records

Property tax history

+2.3%/yr

Latest (2025): $1,368 · +27.7% YoY. Source: county tax records.