145 Scottsdale Sq #145 Sq · Winter Park, FL 32792

$5,000

2 bd · 2.0 ba · 1,020 sqft · Condo public records · 7 Days on market

Built 1974

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +4.2/5.0
• Schools +4.1/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends June 16, 2026 at 11:00 AM EST. Explore this charming 2-bedroom, 2-bath residence set in a peaceful and well-located Winter Park community. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa.

Key facts

• Garage
• Listed 6 days

Property features AI

Exterior

• Parking: Attached garage with 1 parking space
• Home design: Residential condominium
• Exterior features: Condominium community setting; Zoned R-3

Interior

• Bathrooms: 2 full bathrooms
• Interior features: Directions provided to unit from nearby major roads

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $5k.

Deal economics

• At list price, monthly cash flow is $685 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $5k).
• Cap rate 170.6% vs local median 1.8% in Winter Park — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 83/100 on livability (#44 in FL, #852 nationally) — a professional / high-income tenant draw. Strengths: commute A+, employment A+, health & safety A+; Watch: cost of living F.
• Orange (suburban): math 46% / reading 51% proficiency, ranked #43 of 73 in FL (top 59%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+1.9%/yr); 281 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 8,053 units permitted in Orange County in 2024 (3,133 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $35 of loan paydown is wiped out by about $150 of value loss. Plan a longer hold.
• Orange County population projected at +52% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 1.9% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 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 36% 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 $5,000

Questions for the listing agent

1. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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 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: 33.68% ✓
• Cap rate: 170.65%
• Cash-on-cash: 586.98%
• DSCR: 27.12
• GRM: 0.2

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: —
• Equity multiple: 30.55×
• Total profit: $41,363
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 62.72×
• Total profit: $86,410
• Equity at exit: $432

Cash invested: $1,400 (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 32792

• Rents YoY: 1.9%
• Active inventory: 281
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $1,684 high
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• HOA est. from 1 same-building comp: −$611
• Vacancy / Maint / Mgmt: −$354
• Net cashflow: $685

Break-even live

Break-even rent $817

Max offer price $5,000

Occupancy floor 54%

Sensitivity live

Price	-10% $688	-5% $687	+0% $685	+5% $683	+10% $681
Rent	-10% $552	-5% $618	+0% $685	+5% $751	+10% $818
Rate	-1.0pp $687	-0.5pp $686	base $685	+0.5pp $684	+1.0pp $682

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
349 Scottsdale Sq Winter Park, FL	1.0–2.0	1.0–1.5	920	$1,299	$1.41	3d	7	0.06mi
652 Saint Johns Ct #652 Winter Park, FL	2.0	2.0	1037	$1,900	$1.83	19d	1	0.07mi
685 Grenadine Ct Winter Park, FL	3.0	2.0	1350	$1,850	$1.37	25d	1	0.07mi
667 Trinidad Ct Winter Park, FL	1.0	1.0	759	$1,350	$1.78	5d	1	0.08mi
614 Saint Johns Ct #614 Winter Park, FL	2.0	2.0	1037	$1,750	$1.69	25d	1	0.11mi
625 Trinidad Ct #625 Winter Park, FL	2.0	2.0	1037	$1,650	$1.59	21d	1	0.12mi
620 Trinidad Ct #620 Winter Park, FL	2.0	2.0	1120	$1,725	$1.54	23d	1	0.13mi
3250 Whisper Lake Ln Winter Park, FL	1.0–2.0	1.0–2.0	900	$1,790	$1.99	5d	35	0.29mi
3650 Summer Wind Dr Winter Park, FL	3.0	1.0–2.0	963	$2,022	$2.10	3d	19	0.30mi
3114 Terry Brook Dr Winter Park, FL	1.0–2.0	1.0–2.0	845	$1,674	$1.98	3d	5	0.39mi
3032 Antique Oaks Cir #145 Winter Park, FL	1.0	1.0	749	$1,350	$1.80	25d	1	0.43mi
3020 Antique Oaks Cir #132 Winter Park, FL	2.0	2.0	1018	$1,527	$1.50	19d	1	0.45mi
2911 Antique Oaks Cir #12 Winter Park, FL	2.0	2.0	1018	$1,575	$1.55	25d	1	0.47mi
2918 Antique Oaks Cir #26 Winter Park, FL	2.0	2.0	1018	$1,575	$1.55	16d	1	0.50mi
1000 S Semoran Blvd Winter Park, FL	2.0–3.0	2.0	1142	$1,385	$1.21	5d	3	0.51mi
3232 Royal St Winter Park, FL	3.0	1.5	970	$1,745	$1.80	3d	1	0.53mi
7004 Mills Rd Winter Park, FL	2.0	2.0	1000	$1,595	$1.59	19d	1	0.68mi
7000 University Blvd Winter Park, FL	1.0–2.0	1.0–2.0	768	$1,675	$2.18	3d	8	0.88mi
5800 Auver Blvd Orlando, FL	1.0–3.0	1.5–2.0	973	$1,738	$1.79	3d	23	0.91mi
3040 Aloma Ave Winter Park, FL	1.0–3.0	1.0–2.0	965	$1,525	$1.58	3d	10	0.94mi
3935 Sutton Place Blvd Winter Park, FL	1.0–2.0	1.0–2.0	858	$1,969	$2.29	3d	24	0.96mi
7302 Swallow Run Winter Park, FL	2.0	2.0	756	$1,495	$1.98	3d	1	0.98mi
200 Saint Andrews Blvd #1607 Winter Park, FL	2.0	2.0	1067	$2,150	$2.01	16d	1	0.98mi
7290 Daniel Webster Dr Unit 4 Winter Park, FL	2.0	3.0	1400	$1,890	$1.35	25d	1	0.99mi
5 Autumn Breeze Way Winter Park, FL	1.0–3.0	1.0–2.0	995	$1,608	$1.62	3d	39	1.01mi
2335 Coldstream Dr Winter Park, FL	3.0	2.0	1466	$4,700	$3.21	12d	1	1.01mi
3045 Aaron Burr Ave Unit 12D Winter Park, FL	2.0	2.0	1062	$1,650	$1.55	9d	1	1.01mi
2892 Lincroft Ave Unit 2 Orlando, FL	1.0	1.0	1000	$1,900	$1.90	25d	1	1.01mi
7328 Swallow Run Winter Park, FL	2.0	2.0	850	$1,400	$1.65	9d	1	1.02mi
7338 Swallow Run #7338 Winter Park, FL	2.0	2.0	774	$1,650	$2.13	23d	1	1.03mi
3440 N Goldenrod Rd Winter Park, FL	1.0–3.0	1.0–2.0	955	$1,614	$1.69	3d	20	1.03mi
7340 Swallow Run #7340 Winter Park, FL	2.0	2.0	802	$1,500	$1.87	16d	1	1.03mi
3924 Calibre Bend Ln Winter Park, FL	1.0–2.0	1.0–2.0	1082	$1,983	$1.83	3d	8	1.04mi
7421 Daniel Webster Dr Unit A Winter Park, FL	1.0	1.0	809	$1,250	$1.55	16d	1	1.05mi
7420 Woodburn Ct #25 Winter Park, FL	3.0	2.5	1151	$1,800	$1.56	5d	1	1.05mi
7350 Swallow Run Winter Park, FL	2.0	2.0	774	$1,650	$2.13	25d	1	1.06mi
3011 George Mason Ave Winter Park, FL	2.0	2.0	1104	$1,495	$1.35	16d	1	1.07mi
5560 Solidago Dr Winter Park, FL	2.0–3.0	1.0–2.0	947	$1,439	$1.52	25d	3	1.08mi
7429 Daniel Webster Dr Winter Park, FL	2.0	2.0	1036	$1,500	$1.45	17d	1	1.08mi
7429 Daniel Webster Dr Unit C Winter Park, FL	2.0	2.0	1036	$1,500	$1.45	25d	1	1.08mi

HOA detail condo

• Monthly dues: $0 · $0/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 6 events

1. 2026-06-16
   days on market $5,000 Active 7 DOM
2. 2026-06-15
   days on market $5,000 Active 6 DOM
3. 2026-06-13
   days on market $5,000 Active 4 DOM
4. 2026-06-13
   days on market $5,000 Active 3 DOM
5. 2026-06-10
   remarks 290-char remark
6. 2026-06-10
   listed $5,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,208
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$25
• − Repairs & maintenance: −$1,617
• − Management: −$1,617
• − HOA: −$7,332
• − Depreciation: −$145
• Taxable income: $9,117
• Est. tax owed @ 24.0%: −$2,188
• After-tax cash flow: $6,030/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: Orange
• NCES district ID: 1201440
• Math proficiency: 46% ▼ -9.00%
• Reading proficiency: 51% ▼ -2.00%
• Median HH income: $49,350
• Composite: 41.47/100
• National rank: #3461
• State rank: #43 of 73 in FL

Livability — Winter Park

• Score: 83/100
• State rank: #44
• US rank: #852

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Orange County · 1,471,359 people
• City population: 80,764
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 52,976
• Household income: $69,200
• Rent vs Own: 52.0% rent · 48.0% own
• Severe rent burden: 3610.0

Population outlook (Orange County) Hauer SSP2

• Today (2025): 1,618,226 people
• By 2030: 1,787,404 · +10.5%
• By 2040: 2,125,621 · +31.4%
• By 2050: 2,454,016 · +51.6%
• By 2075: 3,173,711 · +96.1%
• By 2100: 3,607,781 · +122.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 51% Hispanic / Latino 27% Two or more races 15% Black 12% Asian 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 11% Cuban 2% Dominican 1%
• Common ancestry: Romanian 2% Italian 2% Scotch-Irish 1%
• Foreign-born: 16% · Canada, Jamaica, Vietnam
• Languages at home: 74% English-only · Spanish 19% Other Indo-European 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Orange

• 2024 margin: D (+13.6) · D 56.1% · R 42.5% · Other 1.3%
• 2008→2024 swing: -5.0pp toward R · 2008: 18.6pp · 2024: 13.6pp
• All cycles: 2024: D+13.6 2020: D+23.1 2016: D+24.6 2012: D+18.2 2008: D+18.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -281.94%
• Current HPI: 351.1184
• Rent YoY: ▲ 1.90%
• 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

-88.9% since first listed

23 events — show timeline

• 2026-06-09 Listed $5,000 NFMLS
• 2025-03-10 Listed $200,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-01-01 Rental Removed $2,000 STELLARMLS
• 2024-11-02 Listed $160,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-15 Price Changed $2,000 STELLARMLS
• 2024-08-28 Listed for Rent $2,200 STELLARMLS
• 2024-08-02 Rental Removed $2,200 STELLARMLS
• 2024-07-23 Listed for Rent $2,200 STELLARMLS
• 2022-12-17 Rental Removed — STELLARMLS
• 2022-10-07 Sold (MLS) $138,000 Stellar MLS as Distributed by MLS Grid
• 2022-08-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-07-22 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2022-01-11 Sold (Public Records) $52,483 Public Records
• 2014-02-12 Sold (Public Records) $55,000 Public Records
• 2014-02-03 Sold (MLS) $55,000 Stellar MLS as Distributed by MLS Grid
• 2014-01-06 Listed $55,000 Stellar MLS as Distributed by MLS Grid
• 2011-10-14 Sold (Public Records) $32,500 Public Records
• 2011-09-29 Sold (MLS) $32,500 Stellar MLS as Distributed by MLS Grid
• 2011-09-11 Listed $30,000 Stellar MLS as Distributed by MLS Grid
• 2009-01-30 Listed $57,500 Stellar MLS as Distributed by MLS Grid
• 1996-12-19 Sold (Public Records) $25,000 Public Records
• 1991-12-23 Sold (Public Records) $45,000 Public Records

Property tax history

+9.3%/yr

Latest (2025): $1,552 · -0.5% YoY. Source: county tax records.