1714 Missouri Ave · St. Cloud, FL 34769

$199,990

2 bd · 1.0 ba · 984 sqft · Manufactured public records · 118 Days on market

Built 1969 9,060 sqft lot Est $225k · 11% under

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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 +13.8/30.0
• ARV discount +12.6/15.0
• DSCR +4.2/10.0
• Schools +3.6/10.0
• 1% rule +3.2/10.0
• Rent growth +2.8/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Don’t miss this lowest priced move-in ready home located in St. Cloud! This home features two bedrooms, one-bathroom, remodeled kitchen with new cabinets and counter-tops, wood laminate flooring throughout, Central A/C, fresh paint inside and out, new trim throughout, spacious Florida room, one-car carport, and storage shed in the backyard. No HOA and No Lot Rent! Act quickly as this home is sure to move fast, schedule your showing today!

Key facts

• Near state road 192
• Disney world
• St cloud florida

Tags

• ST CLOUD FLORIDA
• CONVENIENTLY LOCATED
• NEAR STATE ROAD 192
• CLOSET BEACH
• DISNEY WORLD
• CURRENTLY LEASED

Property features AI

Finance

• Other: Lot is cleared, within city limits, in county, near public transit, and paved; Total lot size about 0.21 acres; Road surface: asphalt; Green/energy-efficient features include HVAC, insulation, roof, water heater, and windows
• HOA & community: No association; Pets allowed (cats and dogs)

Exterior

• Parking: Has carport (1 space)
• Security: Fire alarm
• Utilities: Public water; Septic tank sewer; Cable available; Electricity available and connected; Fiber optics; Phone available; Water available and connected
• Home design: Residential mobile home (single wide); One level; Faces east; Completed condition
• Construction: Metal siding; Membrane roof; Storage/shed structures
• Exterior features: Covered patio/porch with rear and side porches; Gray water system; Private mailbox; Storage; Shed(s)

Interior

• Kitchen: Range; Refrigerator; Exhaust fan; Water filtration system; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Laminate; Wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Solid wood cabinets; Thermostat; Blinds; Fire alarm
• Laundry & utility: Laundry in garage

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $200k.

Deal economics

• At list price, monthly cash flow is $19 ($226/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $164k (18.1% below list).
• Recommended offer: $164k (18.1% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 4.0% in St. Cloud — 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: 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.
• Market conditions: Rents rising (+1.4%/yr); 258 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 118 days — a 9% lower offer ($182k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 8y ago; this cycle's ask has dropped $30k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $55k; list at $200k implies a 264% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $163,737 (18.1% below list)

Questions for the listing agent

1. It's been on market 118 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
2. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 0.82% ✗
• Cap rate: 6.41%
• Cash-on-cash: 0.40%
• DSCR: 1.02
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $225,336
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1706 Charleston Ln	0.10mi	3/2.0 (+1)	920 (-6%)	1mo	$140,000	$152	74
1709 Jersey Ave	0.12mi	2/2.0	1,056 (+7%)	12mo	$237,000	$224	68
2240 Darby Ln	0.33mi	2/2.0	936 (-5%)	7mo	$220,000	$235	67
2054 Bramblewood Dr	0.39mi	3/2.0 (+1)	1,056 (+7%)	13mo	$242,000	$229	49

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 · 1.35% rent growth · sell at horizon

5-year hold

• IRR: -17.4%
• Equity multiple: 0.39×
• Total profit: $-33,922
• Equity at exit: $29,819

10-year hold

• IRR: -12.6%
• Equity multiple: 0.31×
• Total profit: $-38,777
• Equity at exit: $17,291

Cash invested: $55,997 (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 34769

• Home prices YoY: -24.6%
• Rents YoY: 1.4%
• Active inventory: 258
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,637 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$143 /mo · $1,711/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$344
• Net cashflow: $19

Break-even live

Break-even rent $1,614

Max offer price $199,990

Occupancy floor 94%

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: $49,998
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1818 Minnesota Ave Unit B St Cloud, FL	1.0	1.5	700	$1,600	$2.29	24d	1	0.13mi
1871 Cactus Ct Saint Cloud, FL	3.0	2.0	900	$1,400	$1.56	18d	1	0.30mi
1400 Dakota Ave Saint Cloud, FL	2.0	1.0	690	$1,650	$2.39	24d	1	0.36mi
2400 16th St Saint Cloud, FL	3.0	2.0	1040	$1,799	$1.73	18d	1	0.44mi
712 Michigan Ct #3 Saint Cloud, FL	2.0	1.0	900	$1,600	$1.78	3d	1	0.65mi
714 Michigan Ct #4 Saint Cloud, FL	2.0	1.0	784	$1,350	$1.72	16d	1	0.65mi
720 Michigan Ct #2 Saint Cloud, FL	2.0	1.0	784	$1,199	$1.53	24d	1	0.66mi
720 Michigan Ct #4 Saint Cloud, FL	2.0	1.0	784	$1,295	$1.65	24d	1	0.66mi
1007 Florida Ave Saint Cloud, FL	1.0–2.0	1.0	800	$1,350	$1.69	16d	2	0.67mi
715 Michigan Ct #3 Saint Cloud, FL	2.0	1.0	784	$1,300	$1.66	24d	1	0.68mi
821 Pennsylvania Ave Saint Cloud, FL	3.0	1.0	1048	$1,695	$1.62	8d	1	0.68mi
1423 Montana Ave Unit 1423 St Cloud, FL	3.0	2.0	1062	$1,895	$1.78	15d	1	0.69mi
1423 Montana Ave Saint Cloud, FL	3.0	2.0	1062	$1,895	$1.78	12d	1	0.69mi
608 Missouri Ave Saint Cloud, FL	2.0	1.0	956	$1,395	$1.46	3d	1	0.70mi
706 New York Ave Saint Cloud, FL	1.0	1.0	750	$1,425	$1.90	24d	1	0.71mi
736 Michigan Ct #4 Saint Cloud, FL	2.0	1.0	784	$1,300	$1.66	12d	1	0.72mi
616 Massachusetts Ave Unit A St Cloud, FL	2.0	1.0	900	$999	$1.11	22d	1	0.72mi
616 Massachusetts Ave Unit A St Cloud, FL	2.0	1.0	900	$999	$1.11	24d	1	0.72mi
731 Michigan Ct St Cloud, FL	2.0	1.0	784	$1,350	$1.72	8d	1	0.74mi
698 Michigan Ct #1 Saint Cloud, FL	2.0	1.0	784	$1,225	$1.56	22d	1	0.74mi
1404 Montana Ave Saint Cloud, FL	2.0	1.5	1000	$1,800	$1.80	24d	1	0.74mi
733 Michigan Ct St Cloud, FL	2.0	1.0	784	$1,295	$1.65	24d	1	0.75mi
517 Jersey Ave Saint Cloud, FL	1.0	1.0	600	$1,250	$2.08	8d	1	0.76mi
607 Alabama Ave Saint Cloud, FL	2.0	2.0	952	$2,000	$2.10	15d	1	0.81mi
1031 Columbia Ave Apt K St Cloud, FL	1.0	1.0	650	$950	$1.46	20d	1	0.86mi
1400 Carolina Ave Saint Cloud, FL	2.0	1.5	920	$1,495	$1.62	24d	1	0.96mi
521 Montana Ave Saint Cloud, FL	2.0	2.0	1010	$1,495	$1.48	2d	1	1.00mi
521 Montana Ave Saint Cloud, FL	2.0	2.0	1010	$1,495	$1.48	24d	1	1.00mi
437 Columbia Ave St Cloud, FL	2.0	2.0	1103	$1,800	$1.63	24d	1	1.10mi
610 Carolina Ave Saint Cloud, FL	2.0	1.0	1015	$2,500	$2.46	24d	1	1.16mi
212 Tennessee Ave Saint Cloud, FL	2.0	1.0	1009	$1,700	$1.68	24d	1	1.16mi
3010 Camber Dr Saint Cloud, FL	1.0–2.0	1.0–2.0	1007	$1,971	$1.96	2d	18	1.17mi
1022 Oregon Ave Saint Cloud, FL	2.0	2.0	768	$1,700	$2.21	8d	1	1.22mi
201 Georgia Ave Saint Cloud, FL	2.0	2.0	915	$1,500	$1.64	8d	1	1.22mi
3100 Soldier City Way St Cloud, FL	3.0	2.0	1085	$1,875	$1.73	3d	6	1.26mi
217 Montana Ave Saint Cloud, FL	2.0	1.0	864	$1,400	$1.62	8d	1	1.26mi
91 10th St Unit 91 St Cloud, FL	2.0	1.0	1000	$1,700	$1.70	24d	1	1.27mi
3065 Soldier City Way Unit 202 St Cloud, FL	3.0	2.0	1125	$1,800	$1.60	20d	1	1.28mi
3075 Soldier City Way Unit 103 St Cloud, FL	3.0	2.0	1045	$1,850	$1.77	24d	1	1.29mi
3075 Soldier City Way Unit 202 St Cloud, FL	3.0	2.0	1125	$1,800	$1.60	20d	1	1.29mi

Listing history 29 events

1. 2026-06-18
   days on market $199,990 Active 118 DOM
2. 2026-06-17
   days on market $199,990 Active 117 DOM
3. 2026-06-16
   days on market $199,990 Active 116 DOM
4. 2026-06-15
   days on market $199,990 Active 115 DOM
5. 2026-06-13
   days on market $199,990 Active 113 DOM
6. 2026-06-13
   days on market $199,990 Active 112 DOM
7. 2026-06-09
   days on market $199,990 Active 109 DOM
8. 2026-06-08
   days on market $199,990 Active 108 DOM
9. 2026-06-07
   days on market $199,990 Active 107 DOM
10. 2026-06-04
    days on market $199,990 Active 104 DOM
11. 2026-06-03
    days on market $199,990 Active 103 DOM
12. 2026-06-02
    days on market $199,990 Active 102 DOM
13. 2026-06-02
    days on market $199,990 Active 101 DOM
14. 2026-05-31
    days on market $199,990 Active 100 DOM
15. 2026-05-24
    price $199,990
16. 2026-03-10
    price $210,000
17. 2026-02-20
    listed $230,000 Active
18. 2019-12-30
    soldstatus $55,000
19. 2019-02-28
    soldstatus $82,000 Sold 448-char remark

    Show marketing remark (448 chars)

    Don’t miss this lowest priced move-in ready home located in St. Cloud! This home features two bedrooms, one-bathroom, remodeled kitchen with new cabinets and counter-tops, wood laminate flooring throughout, Central A/C, fresh paint inside and out, new trim throughout, spacious Florida room, one-car carport, and storage shed in the backyard. No HOA and No Lot Rent! Act quickly as this home is sure to move fast, schedule your showing today!

20. 2019-02-28
    soldstatus $82,000

    Show marketing remark (448 chars)

    Don’t miss this lowest priced move-in ready home located in St. Cloud! This home features two bedrooms, one-bathroom, remodeled kitchen with new cabinets and counter-tops, wood laminate flooring throughout, Central A/C, fresh paint inside and out, new trim throughout, spacious Florida room, one-car carport, and storage shed in the backyard. No HOA and No Lot Rent! Act quickly as this home is sure to move fast, schedule your showing today!

21. 2019-02-14
    status Pending 448-char remark

    Show marketing remark (448 chars)

    Don’t miss this lowest priced move-in ready home located in St. Cloud! This home features two bedrooms, one-bathroom, remodeled kitchen with new cabinets and counter-tops, wood laminate flooring throughout, Central A/C, fresh paint inside and out, new trim throughout, spacious Florida room, one-car carport, and storage shed in the backyard. No HOA and No Lot Rent! Act quickly as this home is sure to move fast, schedule your showing today!

22. 2019-01-30
    price $86,900 448-char remark

    Show marketing remark (448 chars)

    Don’t miss this lowest priced move-in ready home located in St. Cloud! This home features two bedrooms, one-bathroom, remodeled kitchen with new cabinets and counter-tops, wood laminate flooring throughout, Central A/C, fresh paint inside and out, new trim throughout, spacious Florida room, one-car carport, and storage shed in the backyard. No HOA and No Lot Rent! Act quickly as this home is sure to move fast, schedule your showing today!

23. 2018-12-01
    listed $87,600 Active 448-char remark

    Show marketing remark (448 chars)

    Don’t miss this lowest priced move-in ready home located in St. Cloud! This home features two bedrooms, one-bathroom, remodeled kitchen with new cabinets and counter-tops, wood laminate flooring throughout, Central A/C, fresh paint inside and out, new trim throughout, spacious Florida room, one-car carport, and storage shed in the backyard. No HOA and No Lot Rent! Act quickly as this home is sure to move fast, schedule your showing today!

24. 2018-07-05
    status Pending
25. 2018-06-30
    price $46,500
26. 2018-06-23
    price $48,900
27. 2018-06-07
    price $52,000
28. 2018-05-11
    listed $59,000 Active
29. 1972-01-01
    soldstatus $14,000

ⓘ 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: $1,711 · $143/mo
• Projected year-2 tax: $1,711 · $143/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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 23 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: $19,648
• − Mortgage interest: −$11,203
• − Property taxes: −$1,711
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,572
• − Management: −$1,572
• − Depreciation: −$5,818
• Taxable loss: −$3,227
• Est. tax savings @ 24.0%: +$774
• After-tax cash flow: $1,001/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

• Census place: St. Cloud, FL
• County: Osceola County · 410,217 people
• City population: 29,247
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 30,204
• Household income: $67,148
• Rent vs Own: 33.1% rent · 66.9% own
• Severe rent burden: 1138.0

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: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 50% Hispanic / Latino 38% Two or more races 17% Black 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 21% Dominican 5%
• Common ancestry: Romanian 3% Lithuanian 3% Russian 2%
• Foreign-born: 12% · Canada, Jamaica
• Languages at home: 66% English-only · Spanish 31% French/Haitian/Cajun 2% Other Indo-European 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: ▼ -106.08%
• Current HPI: 324.6715
• Rent YoY: ▲ 1.35%
• 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

+1328.5% since first listed

15 events — show timeline

• 2026-05-24 Price Changed $199,990 Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Price Changed $210,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-20 Listed $230,000 Stellar MLS as Distributed by MLS Grid
• 2019-12-30 Sold (Public Records) $55,000 Public Records
• 2019-02-28 Sold (Public Records) $82,000 Public Records
• 2019-02-28 Sold (MLS) $82,000 Stellar MLS as Distributed by MLS Grid
• 2019-02-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-01-30 Price Changed $86,900 Stellar MLS as Distributed by MLS Grid
• 2018-12-01 Listed $87,600 Stellar MLS as Distributed by MLS Grid
• 2018-07-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-06-30 Price Changed $46,500 Stellar MLS as Distributed by MLS Grid
• 2018-06-23 Price Changed $48,900 Stellar MLS as Distributed by MLS Grid
• 2018-06-07 Price Changed $52,000 Stellar MLS as Distributed by MLS Grid
• 2018-05-11 Listed $59,000 Stellar MLS as Distributed by MLS Grid
• 1972-01-01 Sold (Public Records) $14,000 Public Records

Property tax history

+10.4%/yr

Latest (2025): $1,711 · +6.3% YoY. Source: county tax records.