5025 Apollo Ave · St Cloud, FL 34773

$289,999

2 bd · 2.0 ba · 1,026 sqft · Land · 147 Days on market

Built 2025 1.18 ac lot

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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).

• Cash flow +7.5/30.0
• ARV discount +7.5/15.0
• Appreciation +4.8/10.0
• Schools +3.6/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• DSCR +1.7/10.0

Listing remarks MLS

WOW! Over 1-acre of land in the Established Canaveral Acres of St. Cloud! Located on Apollo Ave just off 192, This Spacious Parcel of Land Offers Endless Possibilities of Development or Investment! Whether You've Been Dreaming of Building a Florida Dream Home or Seeking a Lucrative Investment Opportunity, This Parcel is Ready for You! With 1.18 Acres of Land You'll have Plenty of Room to Create Your Dream Estate surrounded by Tranquility and Room for All Your Toys!! Canaveral Acres is the Perfect Place to Escape the Hustle and Bustle of the City While Still Being Within Reach of All the Amenities and Attractions that Central Florida has to Offer. Endless Outdoor Adventures Await in the nearby Harmony Community with golfing, hiking, and more. Not to Mention Sun and Sand at the Gorgeous Beaches just a short 30-minute drive away. Don't Miss Out on This Chance to Own a Slice of Paradise in Canaveral Acres.

Key facts

• Open floor plan
• Walk in closet
• Oversized lot

Tags

• OVERSIZED LOT
• OPEN FLOOR PLAN
• WALK IN CLOSET
• PRIVATE ENSUITE BATHROOM
• HUGE EAT IN KITCHEN
• ENDLESS COUNTER SPACE

Property features AI

Finance

• Other: Property type: Residential; Property subtype: Manufactured Home; Property condition: Completed; Total acreage: 1 to less than 2 acres (approx. 1.18 acres); Living area reported as 1,026 square feet; Builder source for living and building area; Lot is paved and oversized; Directions available

Exterior

• Parking: Driveway; Oversized parking
• Utilities: Well water; Septic tank; Cable available; Electricity available; Phone available; Other utilities available
• Home design: Manufactured double-wide home; One story; New construction; Faces west; Zoned OPUD
• Construction: Structurally insulated panel (SIP) construction; Vinyl siding; Shingle roof; Other foundation
• Exterior features: Covered front porch; Private mailbox; Rain gutters; Mature landscaping; In-county setting; Private, paved oversized lot

Interior

• Kitchen: Convection oven; Dishwasher; Disposal; Microwave; Range; Range hood; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Crown molding; Open floorplan; ENERGY STAR qualified windows
• Laundry & utility: Washer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath land listed at $290k.

Deal economics

• At list price, monthly cash flow is $-480 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $221k (23.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $209k (28.0% below list).
• Recommended offer: $209k (28.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Osceola (suburban): math 39% / reading 45% proficiency, ranked #60 of 73 in FL (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Harmony Community School (math 70% / reading 64%, grade B+, #450 of 2,144 statewide, top 22%, 1,012 students, 38% FRL); Narcoossee Middle School (math 55% / reading 57%, grade B-, #175 of 571 statewide, top 31%, 1,371 students, 46% FRL); Harmony High School (math 40% / reading 46%, grade F, #255 of 667 statewide, top 39%, 2,822 students, 42% FRL) — zoned schools average 42% FRL vs 60% district-wide (18 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 55% at this address vs 42% district-wide (+13 pts) — the actual schools serving this property are materially stronger than the Osceola average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+1.8%/yr); 388 active listings in the ZIP; solid renter incomes; 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).
• This rent runs 31% of the median local income ($81k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $652 of equity ($2k loan paydown + $-1k appreciation (-0.5% local appreciation)).
• Osceola County population projected at +73% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 147 days — a 12% lower offer ($255k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $29k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $67k; list at $290k implies a 333% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $208,805 (28.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 147 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 4.83%
• Cash-on-cash: -5.24%
• DSCR: 0.77
• GRM: 11.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-0.47% appreciation · 1.79% rent growth · sell at horizon

5-year hold

• IRR: -13.2%
• Equity multiple: 0.41×
• Total profit: $-47,744
• Equity at exit: $77,504

10-year hold

• IRR: -7.7%
• Equity multiple: 0.27×
• Total profit: $-59,464
• Equity at exit: $87,970

Cash invested: $81,200 (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 34773

• Home prices YoY: -0.2%
• Rents YoY: 1.8%
• Active inventory: 388
• Price-to-rent: 11.6×

Monthly cashflow live

• Estimated rent: $2,088 medium
• Mortgage (P&I): −$1,521
• Tax est. 1.5%: −$362 /mo · $4,350/yr
• Insurance: −$121
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$438
• Net cashflow: $-480

Break-even live

Break-even rent $2,695

Max offer price $220,576

Occupancy floor —

Sensitivity live

Price	-10% $-279	-5% $-380	+0% $-480	+5% $-580	+10% $-680
Rent	-10% $-645	-5% $-562	+0% $-480	+5% $-397	+10% $-315
Rate	-1.0pp $-334	-0.5pp $-406	base $-480	+0.5pp $-555	+1.0pp $-631

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: $72,500
• Closing costs: $8,700
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-05-04
   status Pending
2. 2026-04-24
   price $289,999
3. 2026-03-28
   price $309,000
4. 2025-12-08
   listed $319,000 Active
5. 2025-04-03
   soldstatus $67,000 Closed 915-char remark

   Show marketing remark (915 chars)

   WOW! Over 1-acre of land in the Established Canaveral Acres of St. Cloud! Located on Apollo Ave just off 192, This Spacious Parcel of Land Offers Endless Possibilities of Development or Investment! Whether You've Been Dreaming of Building a Florida Dream Home or Seeking a Lucrative Investment Opportunity, This Parcel is Ready for You! With 1.18 Acres of Land You'll have Plenty of Room to Create Your Dream Estate surrounded by Tranquility and Room for All Your Toys!! Canaveral Acres is the Perfect Place to Escape the Hustle and Bustle of the City While Still Being Within Reach of All the Amenities and Attractions that Central Florida has to Offer. Endless Outdoor Adventures Await in the nearby Harmony Community with golfing, hiking, and more. Not to Mention Sun and Sand at the Gorgeous Beaches just a short 30-minute drive away. Don't Miss Out on This Chance to Own a Slice of Paradise in Canaveral Acres.

6. 2025-03-14
   status Pending 915-char remark

   Show marketing remark (915 chars)

   WOW! Over 1-acre of land in the Established Canaveral Acres of St. Cloud! Located on Apollo Ave just off 192, This Spacious Parcel of Land Offers Endless Possibilities of Development or Investment! Whether You've Been Dreaming of Building a Florida Dream Home or Seeking a Lucrative Investment Opportunity, This Parcel is Ready for You! With 1.18 Acres of Land You'll have Plenty of Room to Create Your Dream Estate surrounded by Tranquility and Room for All Your Toys!! Canaveral Acres is the Perfect Place to Escape the Hustle and Bustle of the City While Still Being Within Reach of All the Amenities and Attractions that Central Florida has to Offer. Endless Outdoor Adventures Await in the nearby Harmony Community with golfing, hiking, and more. Not to Mention Sun and Sand at the Gorgeous Beaches just a short 30-minute drive away. Don't Miss Out on This Chance to Own a Slice of Paradise in Canaveral Acres.

7. 2025-03-12
   listed $74,999 Active 915-char remark

   Show marketing remark (915 chars)

   WOW! Over 1-acre of land in the Established Canaveral Acres of St. Cloud! Located on Apollo Ave just off 192, This Spacious Parcel of Land Offers Endless Possibilities of Development or Investment! Whether You've Been Dreaming of Building a Florida Dream Home or Seeking a Lucrative Investment Opportunity, This Parcel is Ready for You! With 1.18 Acres of Land You'll have Plenty of Room to Create Your Dream Estate surrounded by Tranquility and Room for All Your Toys!! Canaveral Acres is the Perfect Place to Escape the Hustle and Bustle of the City While Still Being Within Reach of All the Amenities and Attractions that Central Florida has to Offer. Endless Outdoor Adventures Await in the nearby Harmony Community with golfing, hiking, and more. Not to Mention Sun and Sand at the Gorgeous Beaches just a short 30-minute drive away. Don't Miss Out on This Chance to Own a Slice of Paradise in Canaveral Acres.

ⓘ 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 A · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 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 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,057
• − Mortgage interest: −$16,244
• − Property taxes: −$4,350
• − Insurance: −$2,952
• − Repairs & maintenance: −$2,005
• − Management: −$2,005
• − Depreciation: −$8,436
• Taxable loss: −$10,936
• Est. tax savings @ 24.0%: +$2,625
• After-tax cash flow: $-3,133/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: Osceola
• NCES district ID: 1201470
• Math proficiency: 39% ▼ -9.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $45,528
• Composite: 35.7/100
• National rank: #4865
• State rank: #60 of 73 in FL

Livability — St Cloud

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Osceola County · 410,217 people
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 5,816
• Household income: $80,524
• Rent vs Own: 10.2% rent · 89.8% own
• Severe rent burden: 47.0

Population outlook (Osceola County) Hauer SSP2

• Today (2025): 447,624 people
• By 2030: 511,823 · +14.3%
• By 2040: 642,986 · +43.6%
• By 2050: 774,552 · +73.0%
• By 2075: 1,078,144 · +140.9%
• By 2100: 1,269,660 · +183.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (59%)
• Race & ethnicity: White 59% Hispanic / Latino 33% Two or more races 11%
• Hispanic origin (detail): Puerto Rican 20%
• Common ancestry: Portuguese 5% Slovak 3% Romanian 2%
• Foreign-born: 12% · Canada, South Korea
• Languages at home: 67% English-only · Spanish 27% Other Indo-European 4% German/W. Germanic 1%

Political lean MEDSL · Osceola

• 2024 margin: Toss-up / Even · D 48.7% · R 50.2% · Other 1.1%
• 2008→2024 swing: -21.2pp toward R · 2008: 19.7pp · 2024: -1.4pp
• All cycles: 2024: R+1.4 2020: D+13.8 2016: D+25.0 2012: D+24.5 2008: D+19.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.47%
• Current HPI: 279.5662
• Rent YoY: ▲ 1.79%
• Metro: Orlando-Kissimmee-Sanford, 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

+286.7% since first listed

7 events — show timeline

• 2026-05-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-24 Price Changed $289,999 Stellar MLS as Distributed by MLS Grid
• 2026-03-28 Price Changed $309,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-08 Listed $319,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-03 Sold (MLS) $67,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-03-12 Listed $74,999 Stellar MLS as Distributed by MLS Grid