9085 Mercury Dr · Saint Cloud, FL 34773

$310,000

4 bd · 2.0 ba · 2,280 sqft · Manufactured public records · 33 Days on market

Built 2001 0.91 ac lot Est $333k · 7% under

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Why this score? — see what drove the C 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 +19.8/30.0
• ARV discount +10.6/15.0
• DSCR +6.3/10.0
• Appreciation +4.8/10.0
• 1% rule +4.0/10.0
• Schools +3.6/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

BANK OWNED FORECLOSURE! Don't miss out on this great deal for a 4 bedroom/ 2 bath manufactured home on a 1 acre lot. This wonderful home offers a lot of room and value for the price. It features a bright, spacious layout, open floor plan, and awonderful kitchen with a breakfast bar. Come check it out for yourself and make an offer today!" PROPERTY IS IN AUCTION "

Key facts

• Kitchenette
• Separate entrance
• Fenced yard

Tags

• CONVERTED SECOND FAMILY ROOM
• PRIVATE LIVING AREA
• KITCHENETTE
• SEPARATE ENTRANCE
• FENCED YARD
• CIRCULAR DRIVEWAY

Property features AI

Finance

• Other: Homestead exempt; Zoned OPUD
• HOA & community: Community mailbox; Park; Playground; Basketball court; Horses allowed

Exterior

• Parking: Circular driveway
• Utilities: Well water; Septic tank; Electricity available; Cable available; Water available
• Home design: Residential manufactured home (double wide); One story; South-facing
• Construction: Vinyl siding; Metal roof; Crawlspace foundation; Built as a double wide
• Exterior features: Rain gutters; Outdoor storage; Shed(s); Workshop; Storage

Interior

• Kitchen: Dishwasher; Refrigerator; Water softener
• Bedrooms: 5 bedrooms
• Flooring: Wood flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Solar heating; Central air conditioning
• Interior features: Ceiling fans; Walk-in closets; Blinds on windows
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $310k.

Deal economics

• At list price, monthly cash flow is $369 ($4k/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 $280k (9.6% below list).
• Recommended offer: $280k (9.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade C — 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); Harmony High School (math 40% / reading 46%, grade F, #255 of 667 statewide, top 39%, 2,822 students, 42% FRL) — zoned schools average 40% FRL vs 60% district-wide (20 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); 387 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 42% 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 $697 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 33 days — a 3% lower offer ($301k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 18y 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.
• Current owner paid $20k; list at $310k implies a 1450% 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; 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 $280,277 (9.6% below list)

Questions for the listing agent

1. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 0.90% ✗
• Cap rate: 7.72%
• Cash-on-cash: 5.10%
• DSCR: 1.23
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $332,880
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9115 Mercury Dr	0.08mi	4/2.0	2,280 (0%)	2mo	$300,000	$132	95
9040 Mercury Dr	0.11mi	4/2.0	2,052 (-10%)	1mo	$349,000	$170	78
5175 Topeka Ave	0.55mi	4/2.0	2,280 (0%)	2mo	$275,000	$121	72
5115 Apollo Ave	0.40mi	4/2.0	2,280 (0%)	11mo	$300,000	$132	72
9020 Concord Rd	0.47mi	4/3.0	2,292 (+0%)	2mo	$440,000	$192	71
5165 Apollo Ave	0.45mi	5/2.0 (+1)	2,052 (-10%)	2mo	$300,000	$146	56

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

Projected returns pro-forma

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

5-year hold

• IRR: 1.1%
• Equity multiple: 1.05×
• Total profit: $4,174
• Equity at exit: $82,849

10-year hold

• IRR: 6.2%
• Equity multiple: 1.61×
• Total profit: $53,028
• Equity at exit: $94,037

Cash invested: $86,800 (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: 387
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,803 medium
• Mortgage (P&I): −$1,626
• Tax from tax record: −$91 /mo · $1,086/yr
• Insurance: −$129
• HOA: −$0
• Vacancy / Maint / Mgmt: −$589
• Net cashflow: $369

Break-even live

Break-even rent $2,336

Max offer price $310,000

Occupancy floor 82%

Sensitivity live

Price	-10% $544	-5% $457	+0% $369	+5% $281	+10% $193
Rent	-10% $147	-5% $258	+0% $369	+5% $480	+10% $590
Rate	-1.0pp $525	-0.5pp $448	base $369	+0.5pp $288	+1.0pp $207

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: $77,500
• Closing costs: $9,300
• Reserves months: —
• Total cash needed: —

Listing history 24 events

1. 2026-06-21
   days on market $310,000 Active 33 DOM
2. 2026-06-18
   days on market $310,000 Active 30 DOM
3. 2026-06-17
   days on market $310,000 Active 29 DOM
4. 2026-06-16
   days on market $310,000 Active 28 DOM
5. 2026-06-15
   days on market $310,000 Active 27 DOM
6. 2026-06-13
   days on market $310,000 Active 25 DOM
7. 2026-06-13
   days on market $310,000 Active 24 DOM
8. 2026-06-09
   days on market $310,000 Active 21 DOM
9. 2026-06-08
   days on market $310,000 Active 20 DOM
10. 2026-06-07
    days on market $310,000 Active 19 DOM
11. 2026-06-04
    days on market $310,000 Active 16 DOM
12. 2026-06-03
    days on market $310,000 Active 15 DOM
13. 2026-06-02
    days on market $310,000 Active 14 DOM
14. 2026-06-01
    days on market $310,000 Active 13 DOM
15. 2026-05-31
    days on market $310,000 Active 12 DOM
16. 2026-05-19
    listed $310,000 Active
17. 2015-10-19
    historical
18. 2015-10-14
    status Active
19. 2015-10-06
    status Pending
20. 2015-09-25
    listed $84,900 Active
21. 2009-05-18
    soldstatus $20,000 376-char remark

    Show marketing remark (376 chars)

    BANK OWNED FORECLOSURE! Don't miss out on this great deal for a 4 bedroom/ 2 bath manufactured home on a 1 acre lot. This wonderful home offers a lot of room and value for the price. It features a bright, spacious layout, open floor plan, and awonderful kitchen with a breakfast bar. Come check it out for yourself and make an offer today!" PROPERTY IS IN AUCTION "

22. 2008-10-01
    listed $39,900 376-char remark

    Show marketing remark (376 chars)

    BANK OWNED FORECLOSURE! Don't miss out on this great deal for a 4 bedroom/ 2 bath manufactured home on a 1 acre lot. This wonderful home offers a lot of room and value for the price. It features a bright, spacious layout, open floor plan, and awonderful kitchen with a breakfast bar. Come check it out for yourself and make an offer today!" PROPERTY IS IN AUCTION "

23. 2008-10-01
    historical

    Show marketing remark (376 chars)

    BANK OWNED FORECLOSURE! Don't miss out on this great deal for a 4 bedroom/ 2 bath manufactured home on a 1 acre lot. This wonderful home offers a lot of room and value for the price. It features a bright, spacious layout, open floor plan, and awonderful kitchen with a breakfast bar. Come check it out for yourself and make an offer today!" PROPERTY IS IN AUCTION "

24. 2008-07-17
    listed $98,900

ⓘ 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: $1,086 · $91/mo
• Projected year-2 tax: $2,573 · $214/mo
• Expected delta: +$1,486/yr (+$124/mo · 136.8%)

ⓘ 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 7/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $33,633
• − Mortgage interest: −$17,365
• − Property taxes: −$1,086
• − Insurance: −$1,550
• − Repairs & maintenance: −$2,691
• − Management: −$2,691
• − Depreciation: −$9,018
• Taxable loss: −$768
• Est. tax savings @ 24.0%: +$184
• After-tax cash flow: $4,610/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 — Saint Cloud

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

Census & demographics

• County: Osceola County · 410,217 people
• City population: 106,667
• 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

+213.4% since first listed

9 events — show timeline

• 2026-05-19 Listed $310,000 Stellar MLS as Distributed by MLS Grid
• 2015-10-19 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-10-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2015-10-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-09-25 Listed $84,900 Stellar MLS as Distributed by MLS Grid
• 2009-05-18 Sold (MLS) $20,000 Stellar MLS as Distributed by MLS Grid
• 2008-10-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2008-10-01 Listed $39,900 Stellar MLS as Distributed by MLS Grid
• 2008-07-17 Listed $98,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+6.9%/yr

Latest (2025): $1,086 · +9.2% YoY. Source: county tax records.