16661 Windmill Forge Pass · Sun City Center, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 6/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 27 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
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 +13.7/15.0
- Cash flow +6.8/30.0
- Livability +3.9/5.0
- Appreciation +3.8/10.0
- Condition / age +3.8/5.0
- Schools +3.4/10.0
- 1% rule +3.3/10.0
- Rent growth +1.9/5.0
- DSCR +1.0/10.0
$319,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Under Construction. Located off HWY-301 and FL-674 in Wimauma, Sereno is centrally located between Tampa and Sarasota, less than 10 minutes from I-75 and Veterans Express Way, giving you quick access to your Tampa Bay commute route. A variety of state parks such as E. G. Simmons Park, and freshwater access points are within close proximity. Sereno features our D. R. Horton Express series homes that include extended tile in the main living and dining area, a stainless-steel appliance package, granite countertops in the kitchen, all concrete block construction on the 1st and 2nd stories, and Home is Connected; D. R. Horton’s Smart Home system. Other inventory options may be available in this community. Please reach out for list of availability Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability. D. R.
Key facts
- Gated community
- Huge walk-in closet
- Tile flooring
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/2.0-bath single-family listed at $319k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-499 ($-6k/yr) — negative.
- To cash-flow at today's rent, offer at most $231k (27.6% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $264k (17.4% below list).
- Recommended offer: $231k (27.6% 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: Reddick Elementary School (math 34% / reading 29%, grade F, #1,841 of 2,144 statewide, top 86%, 794 students, 78% FRL); Shields Middle School (math 29% / reading 27%, grade F, #486 of 571 statewide, top 86%, 1,867 students, 68% FRL); Jule F Sumner High School (math 43% / reading 43%, grade F, #255 of 667 statewide, top 39%, 3,827 students, 43% FRL).
- Zoned-school proficiency averages 34% at this address vs 48% district-wide (-14 pts) — the specific schools serving this property underperform the Hillsborough average; the district grade overstates school quality for this exact location.
- Market conditions: Rents soft (-2.5%/yr); 858 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 71d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
- This rent runs 32% of the median local income ($98k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-2.4%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
- Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 72 days — a 6% lower offer ($300k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts since 3y 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: property tax is 2.6% of price.
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 72 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 0.83% ✗
- Cap rate
- 4.42%
- Cash-on-cash
- -6.70%
- DSCR
- 0.70
- GRM
- 10.1
CMA / ARV
- ARV (median comp)
- $369,868
- List price
- $319,000
- Delta
- -13.75%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 16313 Treasure Point Dr | 0.25mi | 3/2.0 (-1) | 1,704 (-8%) | 12mo | $326,000 | $191 | 61 |
| 5019 Crystal Beach Dr | 0.37mi | 3/2.0 (-1) | 1,880 (+2%) | 26mo | $539,900 | $287 | 55 |
| 15640 Aurora Lake Cir | 1.39mi | 3/2.0 (-1) | 1,764 (-4%) | 0mo | $305,000 | $173 | 52 |
| 16782 Carlton Pond St | 0.77mi | 4/2.0 | 1,846 (0%) | 23mo | $320,000 | $173 | 46 |
| 2002 E View Dr | 1.16mi | 3/2.0 (-1) | 2,037 (+10%) | 0mo | $465,000 | $228 | 42 |
| 4922 Sapphire Sound Dr | 1.00mi | 3/2.0 (-1) | 2,052 (+11%) | 0mo | $470,000 | $229 | 41 |
| 16315 Little Garden Dr | 0.24mi | 3/2.0 (-1) | 1,405 (-24%) | 26mo | $317,000 | $226 | 39 |
| 2333 E Del Webb Blvd | 1.28mi | 3/2.0 (-1) | 1,558 (-16%) | 0mo | $290,000 | $186 | 35 |
| 407 Stoneham Dr | 1.41mi | 3/2.0 (-1) | 2,161 (+17%) | 4mo | $284,900 | $132 | 32 |
| 16608 Maude Dr | 0.87mi | 3/2.5 (-1) | 1,695 (-8%) | 18mo | $300,000 | $177 | 30 |
| 4860 Grand Banks Dr | 0.62mi | 3/2.5 (-1) | 2,268 (+23%) | 16mo | $550,000 | $243 | 26 |
| 16869 Scuba Crest St | 1.29mi | 3/2.5 (-1) | 2,145 (+16%) | 22mo | $444,900 | $207 | 15 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-2.35% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -26.0%
- Equity multiple
- 0.08×
- Total profit
- $-82,111
- Equity at exit
- $56,933
- IRR
- -29.8%
- Equity multiple
- -0.49×
- Total profit
- $-133,447
- Equity at exit
- $43,947
Cash invested: $89,320 (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
Active competition Active MLS
- For sale now
- 26 active · 24 under contract
- Months of supply
- 156.0 mo (1%/mo absorbed)
- Median asking
- $330,250 ($185/sqft)
- Median days on market
- 103 d
- This list price
- 19% of active listings are priced below it
- ARV vs active asking
- +8.2% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 33598
- Home prices YoY
- -0.9%
- Rents YoY
- -2.5%
- Active inventory
- 858
- Price-to-rent
- 10.1×
Monthly cashflow live
- Estimated rent
- $2,636 high interval (Pro) →
- Mortgage (P&I)
- −$1,673
- Tax from tax record
- −$685 /mo · $8,222/yr
- Insurance
- −$133
- HOA
- −$90
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$553
- Net cashflow
- $-499
Break-even live
Sensitivity live
| Price | -10% $-318 | -5% $-409 | +0% $-499 | +5% $-589 | +10% $-679 |
|---|---|---|---|---|---|
| Rent | -10% $-707 | -5% $-603 | +0% $-499 | +5% $-395 | +10% $-291 |
| Rate | -1.0pp $-338 | -0.5pp $-418 | base $-499 | +0.5pp $-582 | +1.0pp $-666 |
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
- $79,750
- Closing costs
- $9,570
- Club membership (one-time)
- —
- 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 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 16505 Windmill Forge Pass Wimauma, FL | 5.0 | 3.0 | 2601 | $3,000 | $1.15 | 29d | 1 | 0.10mi |
| 16530 Windmill Forge Pass Wimauma, FL | 4.0 | 2.0 | 1846 | $2,350 | $1.27 | 29d | 1 | 0.11mi |
| 16616 Windmill Forge Pass Wimauma, FL | 4.0 | 2.0 | 1846 | $2,350 | $1.27 | 73d | 1 | 0.14mi |
| 16651 Mosaic Oar Dr Wimauma, FL | 4.0 | 2.5 | 2328 | $2,450 | $1.05 | 73d | 1 | 0.19mi |
| 16605 Mosaic Oar Dr Wimauma, FL | 3.0 | 2.0 | 1516 | $2,300 | $1.52 | 48d | 1 | 0.23mi |
| 16303 Treasure Point Dr Wimauma, FL | 3.0 | 2.0 | 2020 | $2,556 | $1.27 | 15d | 1 | 0.31mi |
| 16461 Little Garden Dr Wimauma, FL | 3.0 | 2.0 | 1676 | $2,250 | $1.34 | 71d | 1 | 0.32mi |
| 16716 Glacier Bay Loop Wimauma, FL | 4.0 | 2.5 | 2260 | $2,450 | $1.08 | 73d | 1 | 0.38mi |
| 5048 Brickwood Rise Dr Wimauma, FL | 3.0 | 2.0 | 1461 | $1,901 | $1.30 | 15d | 1 | 0.43mi |
| 5041 Brickwood Rise Dr Wimauma, FL | 5.0 | 2.0 | 2389 | $2,286 | $0.96 | 15d | 1 | 0.46mi |
| 5025 Brickwood Rise Dr Wimauma, FL | 4.0 | 2.5 | 1925 | $2,500 | $1.30 | 73d | 1 | 0.46mi |
| 4836 Grand Banks Dr Wimauma, FL | 4.0 | 3.0 | 2470 | $2,700 | $1.09 | 16d | 1 | 0.57mi |
| 5029 Sable Chime Dr Wimauma, FL | 3.0 | 2.0 | 1451 | $1,995 | $1.37 | 13d | 1 | 0.58mi |
| 5101 Sable Chime Dr Wimauma, FL | 5.0 | 2.5 | 2264 | $3,300 | $1.46 | 23d | 1 | 0.58mi |
| 5444 Flint Hills Dr Wimauma, FL | 4.0 | 2.0 | 2000 | $2,550 | $1.27 | 54d | 1 | 0.61mi |
| 16260 Amethyst Key Dr Wimauma, FL | 3.0 | 2.0 | 1889 | $2,300 | $1.22 | 73d | 1 | 0.63mi |
| 16561 Delia St Wimauma, FL | 4.0 | 3.0 | 2557 | $2,750 | $1.08 | 23d | 1 | 0.70mi |
| 16561 Delia St Wimauma, FL | 4.0 | 3.0 | 2557 | $2,900 | $1.13 | 27d | 1 | 0.70mi |
| 16568 Delia St Wimauma, FL | 4.0 | 3.0 | 2557 | $3,300 | $1.29 | 25d | 1 | 0.72mi |
| 16702 Carlton Pond St Wimauma, FL | 4.0 | 3.0 | 2435 | $2,400 | $0.99 | 73d | 1 | 0.73mi |
| 16709 Parker River St Wimauma, FL | 3.0 | 2.0 | 1676 | $2,050 | $1.22 | 54d | 1 | 0.76mi |
| 5091 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,201 | $1.35 | 73d | 1 | 0.82mi |
| 5089 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,201 | $1.35 | 73d | 1 | 0.82mi |
| 5085 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,201 | $1.35 | 73d | 1 | 0.82mi |
| 16610 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,176 | $1.33 | 73d | 1 | 0.83mi |
| 16616 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,276 | $1.39 | 71d | 1 | 0.84mi |
| 5010 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 73d | 1 | 0.84mi |
| 5008 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 19d | 1 | 0.85mi |
| 16611 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,176 | $1.33 | 69d | 1 | 0.85mi |
| 16634 Mooner Plank Cir Wimauma, FL | 4.0 | 2.5 | 2035 | $2,550 | $1.25 | 73d | 1 | 0.85mi |
| 5017 Capri Harbor Dr Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 69d | 1 | 0.86mi |
| 16665 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 73d | 1 | 0.88mi |
| 16667 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 73d | 1 | 0.88mi |
| 16671 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,101 | $1.29 | 73d | 1 | 0.88mi |
| 16636 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,276 | $1.39 | 42d | 1 | 0.88mi |
| 16638 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,276 | $1.39 | 71d | 1 | 0.89mi |
| 16662 Delia St Wimauma, FL | 3.0 | 2.0 | 1540 | $2,350 | $1.53 | 73d | 1 | 0.89mi |
| 16656 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,276 | $1.39 | 19d | 1 | 0.90mi |
| 16660 Ancient Mariner Ln Wimauma, FL | 3.0 | 2.5 | 1634 | $2,276 | $1.39 | 73d | 1 | 0.90mi |
| 16706 Sunburst Lake St Wimauma, FL | 4.0 | 2.0 | 1846 | $2,600 | $1.41 | 54d | 1 | 0.90mi |
Property features AI
Finance
- Other
- Located in a gated, amenity-rich communityLease restrictions apply
- Financial info
- Other annual assessment recorded
- HOA & community
- HOA named Adriana (fees required, association approval required)Monthly HOA approx. $90.46 (quarterly fee listed as $271.39)HOA amenities include pool, basketball court, tennis courts, clubhouse, park, playground, dog park, community mailbox, sidewalks, and street lightsPets allowed (cats and dogs)
Exterior
- Parking
- Driveway2-car garage with garage door opener (attached)
- Security
- Gated communitySecurity systemSmoke detectors
- Utilities
- Public waterPublic sewerElectricity availableCable availableSprinkler meter/water available
- Home design
- Single-family residenceOne storyEast-facingCompleted/ready conditionHomestead exemption indicatedLocated in a planned development (PD)
- Construction
- Stucco constructionShingle roofSlab foundationBuilt on a 0.18-acre lot (approx. 60 x 127.13)
- Exterior features
- Hurricane shuttersSidewalkMetered sprinkler systemPaved road access
Interior
- Kitchen
- DishwasherGarbage disposalMicrowaveRangeRefrigeratorStone countertops
- Bedrooms
- 4 bedrooms
- Flooring
- CarpetTile
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heating (electric)Central air
- Interior features
- In-wall pest systemOpen floorplanStone countersThermostatWalk-in closet(s)Blinds on windows
- Laundry & utility
- Inside laundry room with washer and dryer hookupsElectric dryer hookup
HOA detail $90/mo · $1,080/yr
- Likely covers
- water
Listing history 50 events
-
2026-08-08days on market $319,000 Active 72 DOM
-
2026-08-06days on market $319,000 Active 70 DOM
-
2026-08-05days on market $319,000 Active 69 DOM
-
2026-08-04days on market $319,000 Active 68 DOM
-
2026-08-03days on market $319,000 Active 67 DOM
-
2026-07-31days on market $319,000 Active 64 DOM
-
2026-07-30days on market $319,000 Active 62 DOM
-
2026-07-28days on market $319,000 Active 61 DOM
-
2026-07-26days on market $319,000 Active 59 DOM
-
2026-07-24days on market $319,000 Active 57 DOM
-
2026-07-23days on market $319,000 Active 56 DOM
-
2026-07-22days on market $319,000 Active 55 DOM
-
2026-07-21days on market $319,000 Active 54 DOM
-
2026-07-20days on market $319,000 Active 53 DOM
-
2026-07-18days on market $319,000 Active 50 DOM
-
2026-07-16days on market $319,000 Active 49 DOM
-
2026-07-15days on market $319,000 Active 48 DOM
-
2026-07-13days on market $319,000 Active 46 DOM
-
2026-07-13days on market $319,000 Active 45 DOM
-
2026-07-11days on market $319,000 Active 44 DOM
-
2026-07-10days on market $319,000 Active 43 DOM
-
2026-07-09days on market $319,000 Active 42 DOM
-
2026-07-07days on market $319,000 Active 40 DOM
-
2026-07-06days on market $319,000 Active 39 DOM
-
2026-07-06days on market $319,000 Active 38 DOM
-
2026-07-05days on market $319,000 Active 37 DOM
-
2026-07-03days on market $319,000 Active 36 DOM
-
2026-07-02days on market $319,000 Active 35 DOM
-
2026-07-01days on market $319,000 Active 34 DOM
-
2026-06-30days on market $319,000 Active 33 DOM
-
2026-06-29days on market $319,000 Active 32 DOM
-
2026-06-28days on market $319,000 Active 31 DOM
-
2026-06-27days on market $319,000 Active 30 DOM
-
2026-06-26days on market $319,000 Active 29 DOM
-
2026-06-24days on market $319,000 Active 27 DOM
-
2026-06-22days on market $319,000 Active 25 DOM
-
2026-06-21days on market $319,000 Active 24 DOM
-
2026-06-18days on market $319,000 Active 21 DOM
-
2026-06-17days on market $319,000 Active 20 DOM
-
2026-06-16days on market $319,000 Active 19 DOM
-
2026-06-15days on market $319,000 Active 18 DOM
-
2026-06-13days on market $319,000 Active 16 DOM
-
2026-06-13days on market $319,000 Active 15 DOM
-
2026-06-09days on market $319,000 Active 12 DOM
-
2026-06-08days on market $319,000 Active 11 DOM
-
2026-06-07days on market $319,000 Active 10 DOM
-
2026-06-04days on market $319,000 Active 7 DOM
-
2026-06-03days on market $319,000 Active 6 DOM
-
2026-06-02days on market $319,000 Active 5 DOM
-
2026-06-01days on market $319,000 Active 4 DOM
ⓘ 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
- $8,222 · $685/mo
- Projected year-2 tax
- $8,222 · $685/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 6/10 Major
- Heat 10/10 Extreme 7 d/yr ≥109°F today · 27 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $31,626
- − Mortgage interest
- −$17,869
- − Property taxes
- −$8,222
- − Insurance
- −$1,595
- − Repairs & maintenance
- −$2,530
- − Management
- −$2,530
- − HOA
- −$1,080
- − Depreciation
- −$9,280
- Taxable loss
- −$11,480
- Est. tax savings @ 24.0%
- +$2,755
- After-tax cash flow
- $-3,231/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
This well-maintained 4-bedroom, 2-bathroom home in a sought-after gated community is ready for a new owner. It features tile flooring, granite countertops, and stainless steel appliances, making it a great option for both resale and rental.
Value-add opportunities
- Both Paint the exterior walls — Enhances curb appeal and can increase both resale and rental value. ↑
- Both Clean the gutters — Improves drainage and can prevent water damage, enhancing both resale and rental value. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
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
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Sun City Center, FL
- County
- Hillsborough County · 1,607,022 people
- City population
- 32,820
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 32,820
- Household income
- $97,520
- Rent vs Own
- Severe rent burden
- 7% of renters
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
- Diverse neighborhood (Simpson 0.67)
- Race & ethnicity
- White 40% Hispanic / Latino 39% Black 14% Two or more races 11% Asian 2%
- Hispanic origin (detail)
- Mexican 26% Puerto Rican 3% Cuban 1%
- Common ancestry
- Romanian 2% Scotch-Irish 2% Lithuanian 1%
- Foreign-born
- 23% · Canada, Jamaica, Guatemala
- Languages at home
- 62% English-only · Spanish 35% Other Indo-European 1% Arabic 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
- ▼ -2.35%
- Current HPI
- 271.8552
- Rent YoY
- ▼ -2.50%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-13.3% since first listed11 events — show timeline
- 2026-05-28 Listed $319,000 Stellar MLS as Distributed by MLS Grid
- 2023-08-18 Sold (MLS) $357,990 Stellar MLS as Distributed by MLS Grid
- 2023-06-08 Pending — Stellar MLS as Distributed by MLS Grid
- 2023-05-31 Price Changed $357,990 Stellar MLS as Distributed by MLS Grid
- 2023-05-27 Price Changed $359,990 Stellar MLS as Distributed by MLS Grid
- 2023-05-27 Price Changed $369,990 Stellar MLS as Distributed by MLS Grid
- 2023-05-08 Price Changed $367,990 Stellar MLS as Distributed by MLS Grid
- 2023-04-03 Price Changed $366,990 Stellar MLS as Distributed by MLS Grid
- 2023-03-27 Price Changed $364,990 Stellar MLS as Distributed by MLS Grid
- 2023-03-15 Price Changed $362,990 Stellar MLS as Distributed by MLS Grid
- 2023-03-13 Listed $367,990 Stellar MLS as Distributed by MLS Grid
Property tax history
-4.7%/yrLatest (2025): $8,222 · -4.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…