Wekiva Xl Plan · St. Cloud, FL 34771

$477,990

5 bd · 3.5 ba · 2,994 sqft · SingleFamily · 145 Days on market

Good condition Garage

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Why this score? — see what drove the F 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 +7.5/15.0
• Schools +5.3/10.0
• Cash flow +4.4/30.0
• Condition / age +4.0/5.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0
• 1% rule +0.4/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks

The Wekiva XL delivers flexible 2-story living with space where it matters most, featuring an open concept main level, a private first-floor guest suite, and a spacious upstairs loft that adapts to your lifestyle. Thoughtful design and everyday comfort come together in a home built to grow with you.

Key facts

• 2 garage spots
• Listed 144 days

Tags

• OPEN CONCEPT MAIN LEVEL
• SPACIOUS UPSTAIRS LOFT

🏗️ New construction. The $477,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $551,898.

What this means for you Summary

Snapshot

• This is a 5-bed/3.5-bath single-family listed at $478k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-1k ($-17k/yr) — negative.
• To cash-flow at today's rent, offer at most $342k (28.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $300k (37.3% below list).
• Recommended offer: $300k (37.3% below list) — sets the bar for 1% rule.
• Cap rate 3.1% vs local median 3.9% in St. Cloud — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads: area grade F — 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: Narcoossee Elementary School (math 55% / reading 65%, grade B-, #680 of 2,144 statewide, top 32%, 1,467 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.
• Market conditions: Rents rising (+3.0%/yr); 1843 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals lingering (median 40d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 53% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).
• This rent runs 37% of the median local income ($97k/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 $4k of loan paydown is wiped out by about $17k of value loss. Plan a longer hold.
• 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 145 days — a 12% lower offer ($421k) is reasonable based on typical stale-listing flexibility.

Recommended offer $299,559 (37.3% 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 145 days. Have you received any prior offers? Is the seller open to a 37% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.54% ✗
• Cap rate: 3.15%
• Cash-on-cash: -11.24%
• DSCR: 0.50
• GRM: 15.4

CMA / ARV

• ARV (median comp): $551,898
• List price: $477,990
• Delta: -13.39%
• 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
5279 High Line Dr	0.09mi	5/4.0	3,120 (+4%)	4mo	$589,990	$189	83
1336 Twelve Oaks Rd	0.05mi	4/3.5 (-1)	2,780 (-7%)	2mo	$498,990	$179	79
5276 Center Lake Ranch Blvd	0.14mi	4/3.5 (-1)	2,780 (-7%)	2mo	$485,990	$175	75
5336 Center Lake Ranch Blvd	0.09mi	4/3.5 (-1)	2,780 (-7%)	5mo	$500,000	$180	75
1212 Teal Creek Dr	0.35mi	4/4.5 (-1)	2,921 (-2%)	5mo	$675,000	$231	66
1212 Teel Creek Dr	0.35mi	4/4.5 (-1)	2,921 (-2%)	5mo	$675,000	$231	66
5223 Quillback Ln	0.54mi	5/4.5	3,422 (+14%)	5mo	$615,000	$180	42
1056 Top Minnow Rd	0.65mi	4/3.5 (-1)	2,582 (-14%)	3mo	$534,209	$207	39
1038 Top Minnow Rd	0.67mi	4/3.5 (-1)	2,582 (-14%)	3mo	$520,000	$201	38
5217 Bowspirit Way	0.73mi	4/3.5 (-1)	2,600 (-13%)	3mo	$530,000	$204	37
5241 Bowspirit Way	0.74mi	4/3.5 (-1)	2,600 (-13%)	4mo	$535,000	$206	36
5253 Bowspirit Way	0.74mi	4/3.5 (-1)	2,600 (-13%)	5mo	$540,000	$208	34

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.02% rent growth · sell at horizon

5-year hold

• IRR: -36.8%
• Equity multiple: -0.17×
• Total profit: $-181,520
• Equity at exit: $82,290

10-year hold

• IRR: -52.0%
• Equity multiple: -0.79×
• Total profit: $-276,347
• Equity at exit: $47,718

Cash invested: $154,532 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 73 active · 26 under contract
• Months of supply: 10.7 mo (9%/mo absorbed)
• Median asking: $550,999 ($193/sqft)
• Median days on market: 159 d
• This list price: 14% of active listings are priced below it
• ARV vs active asking: -4.6% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34771

• Home prices YoY: -30.0%
• Rents YoY: 3.0%
• Active inventory: 1843
• Price-to-rent: 13.3×

Monthly cashflow live

• Estimated rent: $2,996 high
• Mortgage (P&I): −$2,894
• Tax est. 1.5%: −$690 /mo · $8,278/yr
• Insurance: −$230
• HOA: −$0
• Vacancy / Maint / Mgmt: −$629
• Net cashflow: $-1,448

Break-even live

Break-even rent $4,828

Max offer price $342,439

Occupancy floor —

Sensitivity live

Price	-10% $-1,066	-5% $-1,257	+0% $-1,448	+5% $-1,638	+10% $-1,829
Rent	-10% $-1,684	-5% $-1,566	+0% $-1,448	+5% $-1,329	+10% $-1,211
Rate	-1.0pp $-1,170	-0.5pp $-1,307	base $-1,448	+0.5pp $-1,591	+1.0pp $-1,736

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: $137,975
• Closing costs: $16,557
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5268 Kildare Pl Saint Cloud, FL	4.0	3.5	2597	$3,700	$1.42	40d	1	0.48mi
1029 Ladyfish Trl Saint Cloud, FL	4.0	2.5	2197	$2,795	$1.27	28d	1	0.68mi
1000 Teal Creek Dr Saint Cloud, FL	4.0	3.5	2574	$2,899	$1.13	7d	1	0.72mi
994 Teal Creek Dr Saint Cloud, FL	4.0	2.5	2390	$2,600	$1.09	7d	1	0.72mi
5259 Bowspirit Way Saint Cloud, FL	4.0	3.0	2394	$2,900	$1.21	7d	1	0.75mi
1742 Chatsworth Cir Saint Cloud, FL	4.0	2.5	3342	$2,900	$0.87	28d	1	0.83mi
5314 Amersham Ln Saint Cloud, FL	4.0	3.0	2110	$650	$0.31	98d	1	0.89mi
451 Whistling Duck Trl Saint Cloud, FL	4.0	2.5	2328	$2,400	$1.03	2d	1	1.07mi
1659 Chatsworth Cir Saint Cloud, FL	4.0	2.5	2226	$2,599	$1.17	64d	1	1.08mi
1659 Chatsworth Cir Saint Cloud, FL	4.0	2.5	2226	$2,667	$1.20	55d	1	1.08mi
510 Whistling Duck Trl Saint Cloud, FL	4.0	3.0	2368	$2,345	$0.99	83d	1	1.10mi
510 Whistling Duck Trl Saint Cloud, FL	4.0	3.0	2368	$2,345	$0.99	77d	1	1.10mi
371 Whistling Duck Trl Saint Cloud, FL	4.0	2.5	2328	$2,399	$1.03	6d	1	1.16mi
5265 Luke Hammock St Saint Cloud, FL	4.0	2.5	2168	$2,485	$1.15	59d	1	1.27mi
452 Sun Warbler Way Saint Cloud, FL	4.0	3.0	1988	$2,310	$1.16	40d	1	1.27mi
5251 Meredrew Ln Saint Cloud, FL	4.0	3.0	2634	$2,449	$0.93	64d	1	1.32mi
5251 Meredrew Ln Saint Cloud, FL	4.0	3.0	2634	$2,449	$0.93	80d	1	1.32mi
5268 Sanders Oak Trl Saint Cloud, FL	4.0	3.0	2634	$2,695	$1.02	100d	1	1.35mi
220 Talisi Loop Saint Cloud, FL	4.0	3.5	2725	$2,750	$1.01	7d	1	1.35mi
5122 Fiddlewood Way Saint Cloud, FL	5.0	3.0	2674	$2,900	$1.08	7d	1	1.37mi
419 Tanis Ave Saint Cloud, FL	4.0	2.5	2260	$2,200	$0.97	28d	1	1.38mi
5741 Haystack Dr Saint Cloud, FL	4.0	2.0	1932	$2,350	$1.22	7d	1	1.41mi
1859 Castleton Dr Saint Cloud, FL	4.0	2.0	2064	$2,490	$1.21	100d	1	1.41mi
5133 Foxtail Fern Way Saint Cloud, FL	5.0	3.0	2674	$2,681	$1.00	103d	1	1.43mi
5764 Haystack Dr Saint Cloud, FL	4.0	2.0	1932	$2,850	$1.48	5d	1	1.43mi
5746 Cattle Ranch Dr Saint Cloud, FL	4.0	3.0	2719	$2,495	$0.92	7d	1	1.44mi
1682 Bay Breeze Dr Saint Cloud, FL	5.0	3.0	2674	$2,550	$0.95	113d	1	1.45mi
5574 Bakewell Pl Saint Cloud, FL	4.0	2.0	1957	$2,350	$1.20	117d	1	1.46mi
5016 Golden River Ln Saint Cloud, FL	4.0	2.0	2025	$2,495	$1.23	59d	1	1.47mi
561 Talisi Loop Saint Cloud, FL	4.0	3.5	2736	$2,500	$0.91	7d	1	1.49mi

Property features AI

Finance

• Other: Address: 5328 Teirgarten St, Saint Cloud FL 34771
• Financial info: List price $477,990

Exterior

• Parking: 2 garage spaces (2 total parking spaces)
• Home design: Single-family home (Plan model)Listed as active

Interior

• Bedrooms: 5 bedrooms
• Bathrooms: 3 full bathrooms and 1 half bathroom (3.5 total)
• Interior features: Plan: Wekiva XL (new construction plan)Living area approximately 2994

Listing history 50 events

1. 2026-09-23
   days on market $477,990 Active 145 DOM
2. 2026-09-22
   days on market $477,990 Active 144 DOM
3. 2026-09-21
   days on market $477,990 Active 143 DOM
4. 2026-09-20
   days on market $477,990 Active 142 DOM
5. 2026-09-19
   days on market $477,990 Active 141 DOM
6. 2026-09-18
   days on market $477,990 Active 140 DOM
7. 2026-09-17
   days on market $477,990 Active 139 DOM
8. 2026-09-16
   days on market $477,990 Active 138 DOM
9. 2026-09-15
   days on market $477,990 Active 137 DOM
10. 2026-09-14
    days on market $477,990 Active 136 DOM
11. 2026-09-13
    days on market $477,990 Active 135 DOM
12. 2026-09-12
    days on market $477,990 Active 134 DOM
13. 2026-09-11
    days on market $477,990 Active 133 DOM
14. 2026-09-05
    days on market $477,990 Active 127 DOM
15. 2026-09-04
    days on market $477,990 Active 126 DOM
16. 2026-09-03
    days on market $477,990 Active 125 DOM
17. 2026-08-31
    days on market $477,990 Active 122 DOM
18. 2026-08-30
    days on market $477,990 Active 121 DOM
19. 2026-08-29
    days on market $477,990 Active 120 DOM
20. 2026-08-28
    days on market $477,990 Active 119 DOM
21. 2026-08-27
    days on market $477,990 Active 118 DOM
22. 2026-08-26
    days on market $477,990 Active 117 DOM
23. 2026-08-25
    days on market $477,990 Active 116 DOM
24. 2026-08-22
    days on market $477,990 Active 113 DOM
25. 2026-08-21
    days on market $477,990 Active 112 DOM
26. 2026-08-20
    days on market $477,990 Active 111 DOM
27. 2026-08-19
    days on market $477,990 Active 110 DOM
28. 2026-08-18
    days on market $477,990 Active 109 DOM
29. 2026-08-17
    days on market $477,990 Active 108 DOM
30. 2026-08-16
    days on market $477,990 Active 107 DOM
31. 2026-08-15
    days on market $477,990 Active 106 DOM
32. 2026-08-14
    days on market $477,990 Active 105 DOM
33. 2026-08-13
    days on market $477,990 Active 104 DOM
34. 2026-08-12
    days on market $477,990 Active 103 DOM
35. 2026-08-10
    days on market $477,990 Active 101 DOM
36. 2026-08-09
    days on market $477,990 Active 100 DOM
37. 2026-08-08
    days on market $477,990 Active 99 DOM
38. 2026-08-06
    days on market $477,990 Active 97 DOM
39. 2026-08-05
    days on market $477,990 Active 96 DOM
40. 2026-08-04
    days on market $477,990 Active 95 DOM
41. 2026-08-03
    days on market $477,990 Active 94 DOM
42. 2026-07-31
    days on market $477,990 Active 91 DOM
43. 2026-07-30
    days on market $477,990 Active 90 DOM
44. 2026-07-30
    days on market $477,990 Active 89 DOM
45. 2026-07-28
    days on market $477,990 Active 88 DOM
46. 2026-07-26
    days on market $477,990 Active 86 DOM
47. 2026-07-24
    days on market $477,990 Active 84 DOM
48. 2026-07-23
    days on market $477,990 Active 83 DOM
49. 2026-07-22
    days on market $477,990 Active 82 DOM
50. 2026-07-21
    days on market $477,990 Active 81 DOM

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

Taxation est. · year 1

• Rental income: $35,947
• − Mortgage interest: −$30,915
• − Property taxes: −$8,278
• − Insurance: −$2,759
• − Repairs & maintenance: −$2,876
• − Management: −$2,876
• − Depreciation: −$16,055
• Taxable loss: −$27,813
• Est. tax savings @ 24.0%: +$6,675
• After-tax cash flow: $-10,695/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 · 6 photos

Good 80/100 Cosmetic rehab Est. rehab $14,970–$44,910 screening

The Wekiva XL is a well-maintained, 2-story home with good condition and potential for modest cosmetic upgrades to enhance its value.

Value-add opportunities

• Both Paint interior walls — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both Replace flooring — Modern flooring can significantly increase both resale and rental value ↑
• Both Update kitchen appliances — Modern appliances can boost both resale and rental value ↑
• Both Install smart home features — Smart home features can increase 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.

D Composite school gradezoned avg 53/100

Zoned Schools

Elementary Narcoossee Elementary School B- FL #680/2,144 Nat'l #7,155/41,679 Middle Narcoossee Middle School B- FL #175/571 Nat'l #2,362/14,009 High Harmony High School F FL #255/667 Nat'l #7,439/17,239

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

• Census place: St. Cloud, FL
• County: Osceola County · 447,624 people
• City population: 29,247
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 35,257
• Household income: $97,415
• Rent vs Own: 15.0% rent · 85.0% own
• Severe rent burden: 2% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 45% Hispanic / Latino 41% Two or more races 20% Black 9% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 26% Cuban 2% Dominican 4%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 1%
• Foreign-born: 14% · Canada, Jamaica
• Languages at home: 64% English-only · Spanish 33% Other Indo-European 3%

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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: ▼ -124.44%
• Current HPI: 290.3095
• Rent YoY: ▲ 3.02%
• Metro: Orlando-Kissimmee-Sanford, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• Other: Address: 5328 Teirgarten St, Saint Cloud FL 34771
• Financial info: List price $477,990

Exterior

• Parking: 2 garage spaces (2 total parking spaces)
• Home design: Single-family home (Plan model)Listed as active

Interior

• Bedrooms: 5 bedrooms
• Bathrooms: 3 full bathrooms and 1 half bathroom (3.5 total)
• Interior features: Plan: Wekiva XL (new construction plan)Living area approximately 2994