7612 Bent Tree Loop · St. Cloud, FL 34773

$412,900

4 bd · 2.0 ba · 1,820 sqft · Land · 47 Days on market

Built 2026 6,098 sqft lot $75/mo HOA · 3% of rent ↓ 2% since listing

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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 +8.2/30.0
• 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
• DSCR +2.2/10.0
• 1% rule +1.4/10.0

Listing remarks

Under Construction. All exterior and interior photos is the actual home that it's under construction. No CDD, Flexible Financing , Paid Closing Costs will save you thousands of dollars !!! This Home an Easy Yes in today’s market, value matters—and this home delivers. This brand-new, move-in ready 4-bedroom, 2-bath home is designed for the way you live every day. Imagine waking up each morning to peaceful conservation views with no rear neighbors, coffee in hand, stepping onto your covered lanai as the sun rises. The open floor plan offers a natural flow that works just as well for entertaining guests as it does for quiet evenings at home. At the center of it all, the upgraded k

Key facts

• Upgraded kitchen
• Covered lanai
• Granite countertops

Tags

• COVERED LANAI
• UPGRADED KITCHEN
• GRANITE COUNTERTOPS
• SPACIOUS LAUNDRY ROOM
• GENEROUSLY SIZED BATHROOMS
• QUALITY CRAFTSMANSHIP

Property features AI

Finance

• Other: Lot about 0.14 acres (0 to less than 1/4 acre); Road surface: asphalt; Builder license: CRC13330146
• HOA & community: Has HOA (monthly fee approx. $75.62, annual fee $907.50); Association approval required; Community pool; Dog park; Pets allowed

Exterior

• Parking: Attached garage with 2 spaces
• Utilities: Public water; Public sewer; Broadband/high-speed internet available; Cable available; Electricity connected; Water connected; Irrigation equipment
• Home design: Single family residence; One story; East-facing; Completed/new construction
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built by Adams Homes
• Exterior features: Covered rear porch; French doors; Sidewalk; Landscaped lot; Paved areas

Interior

• Kitchen: Dishwasher; Microwave; Range
• Bedrooms: 4 bedrooms (one-level home)
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: High ceilings; Open floorplan; Stone counters; Thermostat; Walk-in closet(s); Attic; Formal dining room separate
• Laundry & utility: Laundry room

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $413k.

Deal economics

• At list price, monthly cash flow is $-389 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $344k (16.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $265k (35.9% below list).
• Recommended offer: $265k (35.9% below list) — sets the bar for 1% rule.
• Cap rate 5.2% 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.
• 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; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).
• This rent runs 39% 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 $928 of equity ($3k loan paydown + $-2k 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 47 days — a 3% lower offer ($401k) is reasonable based on typical stale-listing flexibility.

Recommended offer $264,869 (35.9% 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 47 days. Have you received any prior offers? Is the seller open to a 36% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 0.64% ✗
• Cap rate: 5.16%
• Cash-on-cash: -4.04%
• DSCR: 0.82
• GRM: 13.0

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: -9.5%
• Equity multiple: 0.57×
• Total profit: $-49,209
• Equity at exit: $110,350

10-year hold

• IRR: -3.9%
• Equity multiple: 0.62×
• Total profit: $-44,046
• Equity at exit: $125,251

Cash invested: $115,612 (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: 13.0×

Monthly cashflow live

• Estimated rent: $2,649 high
• Mortgage (P&I): −$2,165
• Tax from tax record: −$69 /mo · $831/yr
• Insurance: −$172
• HOA: −$75
• Vacancy / Maint / Mgmt: −$556
• Net cashflow: $-389

Break-even live

Break-even rent $3,141

Max offer price $344,156

Occupancy floor —

Sensitivity live

Price	-10% $-155	-5% $-272	+0% $-389	+5% $-979	+10% $-1,121
Rent	-10% $-598	-5% $-494	+0% $-389	+5% $-285	+10% $-180
Rate	-1.0pp $-181	-0.5pp $-284	base $-389	+0.5pp $-496	+1.0pp $-605

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: $103,225
• Closing costs: $12,387
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3669 Sagefield Dr Harmony, FL	3.0	2.0	1515	$2,300	$1.52	25d	1	0.25mi
3687 Sagefield Dr Harmony, FL	4.0	2.5	2335	$2,350	$1.01	25d	1	0.28mi
4592 Sagefield Dr Harmony, FL	4.0	2.0	1820	$2,500	$1.37	25d	1	0.38mi
4480 Sagefield Dr Harmony, FL	4.0	2.0	1820	$2,300	$1.26	25d	1	0.56mi
3963 Sagefield Dr Harmony, FL	3.0	2.0	1673	$2,600	$1.55	25d	1	0.64mi
7129 Red Lantern Dr Unit 7129 Harmony, FL	3.0	2.5	1855	$2,200	$1.19	5d	1	0.84mi
4224 Sagefield Dr Harmony, FL	4.0	3.0	2400	$2,590	$1.08	6d	1	0.85mi
3509 Clay Brick Rd Harmony, FL	4.0	2.5	2085	$2,550	$1.22	25d	1	0.91mi
3430 Sagebrush St Harmony, FL	3.0	2.0	1876	$2,380	$1.27	25d	1	0.95mi
7537 Wing Span Way Harmony, FL	4.0	3.0	2361	$2,500	$1.06	25d	1	1.14mi
3303 Primrose Willow Dr Saint Cloud, FL	4.0	2.0	2047	$2,430	$1.19	25d	1	1.19mi
6927 Cupseed Ln Harmony, FL	3.0	2.5	1824	$2,195	$1.20	25d	1	1.38mi

HOA detail

• Monthly dues: $75 · $900/yr

Listing history 17 events

1. 2026-06-21
   days on market $412,900 Active 47 DOM
2. 2026-06-18
   days on market $412,900 Active 44 DOM
3. 2026-06-17
   days on market $412,900 Active 43 DOM
4. 2026-06-16
   days on market $412,900 Active 42 DOM
5. 2026-06-15
   days on market $412,900 Active 41 DOM
6. 2026-06-13
   days on market $412,900 Active 39 DOM
7. 2026-06-13
   days on market $412,900 Active 38 DOM
8. 2026-06-09
   days on market $412,900 Active 35 DOM
9. 2026-06-08
   days on market $412,900 Active 34 DOM
10. 2026-06-07
    days on market $412,900 Active 33 DOM
11. 2026-06-04
    days on market $412,900 Active 30 DOM
12. 2026-06-03
    days on market $412,900 Active 29 DOM
13. 2026-06-02
    days on market $412,900 Active 28 DOM
14. 2026-06-01
    days on market $412,900 Active 27 DOM
15. 2026-05-31
    days on market $412,900 Active 26 DOM
16. 2026-05-05
    price $412,900
17. 2026-05-05
    listed $421,900 Active

ⓘ 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: $831 · $69/mo
• Projected year-2 tax: $3,427 · $286/mo
• Expected delta: +$2,596/yr (+$216/mo · 312.3%)

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

Taxation est. · year 1

• Rental income: $31,784
• − Mortgage interest: −$23,129
• − Property taxes: −$831
• − Insurance: −$2,064
• − Repairs & maintenance: −$2,543
• − Management: −$2,543
• − HOA: −$900
• − Depreciation: −$12,012
• Taxable loss: −$12,237
• Est. tax savings @ 24.0%: +$2,937
• After-tax cash flow: $-1,733/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
• City population: 29,247
• 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

-2.1% since first listed

2 events — show timeline

• 2026-05-05 Price Changed $412,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-05 Listed $421,900 Stellar MLS as Distributed by MLS Grid