1901 Canterbury Ln #19 · Sun City Center, FL 33573

$104,500

2 bd · 2.0 ba · 960 sqft · Condo public records · 108 Days on market

Built 1977 $685/mo HOA · 41% 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 +13.5/30.0
• 1% rule +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• DSCR +4.1/10.0
• Livability +3.9/5.0
• Appreciation +3.4/10.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Priced to Move - furniture is negotiable/for sale. Welcome Home to a serene, sun-drenched sanctuary that is turnkey. This could be your golden nest. - presents a 2 bedroom, 2 full bath residence with an open floor plan including a spacious Florida room. This home has updated hurricane windows in both bedrooms, a newer sub panel and hot water heater. Condo fees cover a 24 hr. gated security, premium cable, high-speed internet, water, sewer, trash removal, exterior and grounds upkeep, pest control, roof maintenance and irrigation. Resort style living with 2 luxurious clubhouses, heated pools, a theatre, full-service spa, pickle ball and tennis courts, golf course and driving range, hot tubs, billiards and a cutting edge fitness center. There are countless social and sports clubs plus a complimentary transportation system. An active 55+ golf cart community convenient to medical facilities, shopping and dining. Close to world renowned beaches, cruise ports and Disney. Opportunity awaits!

Key facts

• Heated pools
• Hurricane windows
• Pickle ball courts

Tags

• FLORIDA ROOM
• HURRICANE WINDOWS
• HEATED POOLS
• FULL-SERVICE SPA
• PICKLE BALL COURTS
• TENNIS COURTS

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $104k.

Deal economics

• At list price, monthly cash flow is $5 ($55/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $104k).
• Recommended offer: $95k (9.0% below list) — sets the bar for market timing.

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: schools D+, 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.
• Market conditions: Rents rising (+2.6%/yr); 602 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $722 of loan paydown is wiped out by about $3k 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 108 days — a 9% lower offer ($95k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $10k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $67k; list at $104k implies a 56% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 41% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $95,095 (9.0% below list)

Questions for the listing agent

1. It's been on market 108 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1977 — 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 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?
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: 1.59% ✓
• Cap rate: 6.35%
• Cash-on-cash: 0.19%
• DSCR: 1.01
• GRM: 5.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.65% rent growth · sell at horizon

5-year hold

• IRR: -16.3%
• Equity multiple: 0.42×
• Total profit: $-16,842
• Equity at exit: $15,581

10-year hold

• IRR: -8.3%
• Equity multiple: 0.48×
• Total profit: $-15,106
• Equity at exit: $9,035

Cash invested: $29,260 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33573

• Home prices YoY: -1.2%
• Rents YoY: 2.6%
• Active inventory: 602
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $1,658 high
• Mortgage (P&I): −$548
• Tax from tax record: −$29 /mo · $342/yr
• Insurance: −$44
• HOA: −$685
• Vacancy / Maint / Mgmt: −$348
• Net cashflow: $5

Break-even live

Break-even rent $1,652

Max offer price $104,500

Occupancy floor 95%

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: $26,125
• Closing costs: $3,135
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
301 Kings Blvd #138 Sun City Center, FL	1.0	1.5	1020	$1,800	$1.76	22d	1	0.15mi
302 Canton Ct #62 Sun City Center, FL	1.0	1.5	800	$1,575	$1.97	17d	1	0.16mi
323 Knottwood Ct #1 Sun City Center, FL	1.0	1.0	908	$1,090	$1.20	5d	1	0.19mi
323 Knottwood Ct Sun City Center, FL	1.0	1.0	908	$1,290	$1.42	24d	1	0.19mi
1902 Dandridge St #12 Sun City Center, FL	1.0	1.5	800	$1,495	$1.87	14d	1	0.20mi
409 Feltham Trl Unit B Sun City Center, FL	2.0	2.0	984	$1,650	$1.68	24d	1	0.29mi
101 Cambridge Trl Sun City Center, FL	1.0–2.0	1.5–2.0	880	$1,650	$1.88	11d	1	0.32mi
403 Finchley Ct Unit B Sun City Center, FL	2.0	2.0	960	$2,000	$2.08	24d	1	0.34mi
1901 Andover Way #38 Sun City Center, FL	1.0	1.5	800	$1,495	$1.87	24d	1	0.34mi
2202 Clubhouse Dr #169 Sun City Center, FL	2.0	2.0	984	$1,450	$1.47	5d	1	0.36mi
2202 Clubhouse Dr #187 Sun City Center, FL	1.0	1.5	800	$1,550	$1.94	24d	1	0.36mi
201 Bedford Trl Unit F128 Sun City Center, FL	2.0	2.0	960	$1,275	$1.33	24d	1	0.37mi
202 Bedford Trl #99 Sun City Center, FL	1.0	1.0	800	$1,500	$1.88	5d	1	0.40mi
201 Kings Blvd #19 Sun City Center, FL	1.0	1.5	800	$1,495	$1.87	24d	1	0.41mi
306 Fowling Ct Sun City Center, FL	2.0	2.0	960	$1,700	$1.77	24d	1	0.41mi
201 Bedford St #95 Sun City Center, FL	1.0	1.5	800	$1,450	$1.81	14d	1	0.44mi
2345 Glenmore Cir Unit 294 Sun City Center, FL	2.0	2.0	984	$1,500	$1.52	24d	1	0.44mi
1814 Foxhunt Dr Unit A Sun City Center, FL	1.0	1.5	800	$1,475	$1.84	24d	1	0.45mi
704 Tremont Greens Ln Unit 107 Sun City Center, FL	2.0	2.0	974	$1,700	$1.75	24d	1	0.45mi
1802 Bedford Ln Sun City Center, FL	1.0–2.0	2.0	952	$1,800	$1.89	11d	2	0.52mi
1802 Bedford Ter #182 Sun City Center, FL	1.0	1.5	800	$1,400	$1.75	17d	1	0.52mi
1802 Bedford Ter #182 Sun City Center, FL	1.0	1.5	960	$1,375	$1.43	22d	1	0.52mi
2124 Hailstone Cir Sun City Center, FL	2.0	2.0	1000	$1,800	$1.80	24d	1	0.94mi
207 Islip Way Sun City Center, FL	2.0	1.5	992	$1,500	$1.51	17d	1	0.99mi
2102 Hereford Dr #513 Sun City Center, FL	2.0	2.0	1000	$1,500	$1.50	24d	1	1.07mi
1301 Warwick Ct Unit 1301 Sun City Center, FL	1.0	1.0	1102	$1,575	$1.43	24d	1	1.10mi

HOA detail condo

• Monthly dues: $685 · $8,220/yr
• Likely covers: watersewertrashinternetcablelandscapingroofpoolgymsecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 28 events

1. 2026-06-18
   days on market $104,500 Active 108 DOM
2. 2026-06-17
   days on market $104,500 Active 107 DOM
3. 2026-06-16
   days on market $104,500 Active 106 DOM
4. 2026-06-15
   days on market $104,500 Active 105 DOM
5. 2026-06-13
   days on market $104,500 Active 103 DOM
6. 2026-06-13
   days on market $104,500 Active 102 DOM
7. 2026-06-09
   days on market $104,500 Active 99 DOM
8. 2026-06-08
   days on market $104,500 Active 98 DOM
9. 2026-06-07
   days on market $104,500 Active 97 DOM
10. 2026-06-04
    days on market $104,500 Active 94 DOM
11. 2026-06-03
    days on market $104,500 Active 93 DOM
12. 2026-06-02
    days on market $104,500 Active 92 DOM
13. 2026-06-01
    days on market $104,500 Active 91 DOM
14. 2026-05-31
    days on market $104,500 Active 90 DOM
15. 2026-05-17
    price $104,500 999-char remark

    Show marketing remark (999 chars)

    Priced to Move - furniture is negotiable/for sale. Welcome Home to a serene, sun-drenched sanctuary that is turnkey. This could be your golden nest. - presents a 2 bedroom, 2 full bath residence with an open floor plan including a spacious Florida room. This home has updated hurricane windows in both bedrooms, a newer sub panel and hot water heater. Condo fees cover a 24 hr. gated security, premium cable, high-speed internet, water, sewer, trash removal, exterior and grounds upkeep, pest control, roof maintenance and irrigation. Resort style living with 2 luxurious clubhouses, heated pools, a theatre, full-service spa, pickle ball and tennis courts, golf course and driving range, hot tubs, billiards and a cutting edge fitness center. There are countless social and sports clubs plus a complimentary transportation system. An active 55+ golf cart community convenient to medical facilities, shopping and dining. Close to world renowned beaches, cruise ports and Disney. Opportunity awaits!

16. 2026-04-12
    price $109,999 999-char remark

    Show marketing remark (999 chars)

    Priced to Move - furniture is negotiable/for sale. Welcome Home to a serene, sun-drenched sanctuary that is turnkey. This could be your golden nest. - presents a 2 bedroom, 2 full bath residence with an open floor plan including a spacious Florida room. This home has updated hurricane windows in both bedrooms, a newer sub panel and hot water heater. Condo fees cover a 24 hr. gated security, premium cable, high-speed internet, water, sewer, trash removal, exterior and grounds upkeep, pest control, roof maintenance and irrigation. Resort style living with 2 luxurious clubhouses, heated pools, a theatre, full-service spa, pickle ball and tennis courts, golf course and driving range, hot tubs, billiards and a cutting edge fitness center. There are countless social and sports clubs plus a complimentary transportation system. An active 55+ golf cart community convenient to medical facilities, shopping and dining. Close to world renowned beaches, cruise ports and Disney. Opportunity awaits!

17. 2026-03-02
    listed $115,000 Active 999-char remark

    Show marketing remark (999 chars)

    Priced to Move - furniture is negotiable/for sale. Welcome Home to a serene, sun-drenched sanctuary that is turnkey. This could be your golden nest. - presents a 2 bedroom, 2 full bath residence with an open floor plan including a spacious Florida room. This home has updated hurricane windows in both bedrooms, a newer sub panel and hot water heater. Condo fees cover a 24 hr. gated security, premium cable, high-speed internet, water, sewer, trash removal, exterior and grounds upkeep, pest control, roof maintenance and irrigation. Resort style living with 2 luxurious clubhouses, heated pools, a theatre, full-service spa, pickle ball and tennis courts, golf course and driving range, hot tubs, billiards and a cutting edge fitness center. There are countless social and sports clubs plus a complimentary transportation system. An active 55+ golf cart community convenient to medical facilities, shopping and dining. Close to world renowned beaches, cruise ports and Disney. Opportunity awaits!

18. 2025-12-31
    historical
19. 2025-06-19
    price $122,500
20. 2025-05-03
    price $135,000
21. 2025-02-18
    price $145,000
22. 2024-12-17
    listed $160,000 Active
23. 2017-10-16
    soldstatus $67,000
24. 2011-02-16
    soldstatus $41,000
25. 2000-01-12
    soldstatus $39,400
26. 1997-12-12
    soldstatus $42,000
27. 1988-10-01
    soldstatus $44,000
28. 1977-09-01
    soldstatus $27,500

ⓘ 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: $342 · $29/mo
• Projected year-2 tax: $867 · $72/mo
• Expected delta: +$525/yr (+$44/mo · 153.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 27 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,893
• − Mortgage interest: −$5,854
• − Property taxes: −$342
• − Insurance: −$522
• − Repairs & maintenance: −$1,591
• − Management: −$1,591
• − HOA: −$8,220
• − Depreciation: −$3,040
• Taxable loss: −$1,268
• Est. tax savings @ 24.0%: +$304
• After-tax cash flow: $359/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Hillsborough
• NCES district ID: 1200870
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $50,622
• Composite: 41.6/100
• National rank: #3435
• State rank: #41 of 73 in FL

Livability — Sun City Center

• Score: 78/100
• State rank: #178
• US rank: #2736

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sun City Center, FL
• County: Hillsborough County · 1,540,968 people
• City population: 35,362
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 35,362
• Household income: $72,834
• Rent vs Own: 17.3% rent · 82.7% own
• Severe rent burden: 1382.0

Population outlook (Hillsborough County) Hauer SSP2

• Today (2025): 1,607,022 people
• By 2030: 1,733,968 · +7.9%
• By 2040: 1,979,565 · +23.2%
• By 2050: 2,203,427 · +37.1%
• By 2075: 2,667,893 · +66.0%
• By 2100: 2,891,558 · +79.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 13% Two or more races 11% Black 10% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 6% Cuban 2%
• Common ancestry: Romanian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 86% English-only · Spanish 10% French/Haitian/Cajun 1% German/W. Germanic 1%

Political lean MEDSL · Hillsborough

• 2024 margin: Toss-up / Even · D 47.8% · R 50.9% · Other 1.3%
• 2008→2024 swing: -10.2pp toward R · 2008: 7.1pp · 2024: -3.1pp
• All cycles: 2024: R+3.1 2020: D+6.9 2016: D+6.8 2012: D+6.7 2008: D+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -3.27%
• Current HPI: 272.9767
• Rent YoY: ▲ 2.65%
• Metro: Tampa-St. Petersburg-Clearwater, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+280.0% since first listed

14 events — show timeline

• 2026-05-17 Price Changed $104,500 Stellar MLS as Distributed by MLS Grid
• 2026-04-12 Price Changed $109,999 Stellar MLS as Distributed by MLS Grid
• 2026-03-02 Listed $115,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-06-19 Price Changed $122,500 Stellar MLS as Distributed by MLS Grid
• 2025-05-03 Price Changed $135,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-18 Price Changed $145,000 Stellar MLS as Distributed by MLS Grid
• 2024-12-17 Listed $160,000 Stellar MLS as Distributed by MLS Grid
• 2017-10-16 Sold (Public Records) $67,000 Public Records
• 2011-02-16 Sold (Public Records) $41,000 Public Records
• 2000-01-12 Sold (Public Records) $39,400 Public Records
• 1997-12-12 Sold (Public Records) $42,000 Public Records
• 1988-10-01 Sold (Public Records) $44,000 Public Records
• 1977-09-01 Sold (Public Records) $27,500 Public Records

Property tax history

-2.4%/yr

Latest (2025): $342 · +12.8% YoY. Source: county tax records.