2054 Bradley Dr · St. Cloud, FL 34771

$174,800

3 bd · 2.0 ba · 1,104 sqft · Manufactured public records · 196 Days on market

Built 1979 9,322 sqft lot

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this charming 1979 two-bed, two-bath mobile home that’s brimming with character and ready for new owners! As you arrive, you’ll find not one, but two carports-one leading up a concrete drive to a cozy enclosed screen room that welcomes you inside. Freshly painted throughout, this home offers a bright and inviting atmosphere. The kitchen features white cabinets, dark green countertops, and a breakfast bar perfect for casual meals. You’ll find a French door refrigerator, along with a flat-top-stove, microwave dishwasher and garbage disposal for all your culinary needs. Step outside onto the extra screened porch off the family room, complete with indoor-outdoor car

Key facts

• Extra screened porch
• Two carports
• Water softener

Tags

• TWO CARPORTS
• COZY ENCLOSED SCREEN ROOM
• EXTRA SCREENED PORCH
• FENCED BACKYARD
• SHED WIRED FOR ELECTRIC
• WATER SOFTENER

Property features AI

Finance

• Other: Lot approximately 0.21 acres (90 x 100, asphalt road); One well and one septic system; Unfurnished; Universal property ID on record
• HOA & community: No association; Pets allowed

Exterior

• Parking: Carport with space for 2 vehicles
• Utilities: Private well water; Septic tank; Electricity connected; Propane; Generator on property
• Home design: Manufactured double-wide home; One story; Faces east; Entry on main level
• Construction: Vinyl siding; Metal roof; Crawlspace foundation; Built as manufactured home
• Exterior features: Covered screened side porch; Awnings; Shed(s)

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Electric water heater; Water softener
• Bedrooms: 2 bedrooms
• Flooring: Vinyl flooring; Wood flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heat; Heat pump; Central air conditioning
• Interior features: Ceiling fans; Split bedroom layout; Thermal windows
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $175k.

Deal economics

• At list price, monthly cash flow is $868 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $175k).
• Recommended offer: $154k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.3% 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 B — 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 (+3.0%/yr); 1378 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).
• This rent runs 33% 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 $1k of loan paydown is wiped out by about $5k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 196 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $7k; list at $175k implies a 2509% 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; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $153,824 (12.0% below list)

Questions for the listing agent

1. It's been on market 196 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — 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. 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.
6. 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.
7. 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: 1.51% ✓
• Cap rate: 12.25%
• Cash-on-cash: 21.28%
• DSCR: 1.95
• GRM: 5.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 13.8%
• Equity multiple: 1.55×
• Total profit: $27,066
• Equity at exit: $26,063

10-year hold

• IRR: 22.7%
• Equity multiple: 2.94×
• Total profit: $95,172
• Equity at exit: $15,114

Cash invested: $48,944 (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 34771

• Home prices YoY: -30.0%
• Rents YoY: 3.0%
• Active inventory: 1378
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $2,641 medium
• Mortgage (P&I): −$917
• Tax from tax record: −$229 /mo · $2,745/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$555
• Net cashflow: $868

Break-even live

Break-even rent $1,542

Max offer price $174,800

Occupancy floor 62%

Sensitivity live

Price	-10% $967	-5% $918	+0% $868	+5% $819	+10% $769
Rent	-10% $659	-5% $764	+0% $868	+5% $972	+10% $1,077
Rate	-1.0pp $956	-0.5pp $913	base $868	+0.5pp $823	+1.0pp $777

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: $43,700
• Closing costs: $5,244
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5476 Angel Way Saint Cloud, FL	1.0–3.0	1.0–2.0	984	$2,149	$2.18	3d	34	0.29mi
5203 Northern Flicker Dr Saint Cloud, FL	3.0	2.0	1276	$2,000	$1.57	24d	1	0.96mi

Listing history 16 events

1. 2026-06-18
   days on market $174,800 Active 196 DOM
2. 2026-06-17
   days on market $174,800 Active 195 DOM
3. 2026-06-16
   days on market $174,800 Active 194 DOM
4. 2026-06-15
   days on market $174,800 Active 193 DOM
5. 2026-06-13
   days on market $174,800 Active 191 DOM
6. 2026-06-13
   days on market $174,800 Active 190 DOM
7. 2026-06-10
   days on market $174,800 Active 187 DOM
8. 2026-06-08
   days on market $174,800 Active 186 DOM
9. 2026-06-07
   days on market $174,800 Active 185 DOM
10. 2026-06-04
    days on market $174,800 Active 182 DOM
11. 2026-06-03
    days on market $174,800 Active 181 DOM
12. 2026-06-02
    days on market $174,800 Active 180 DOM
13. 2026-06-02
    days on market $174,800 Active 179 DOM
14. 2026-05-31
    days on market $174,800 Active 178 DOM
15. 2025-12-04
    listed $190,000 Active
16. 1977-03-01
    soldstatus $6,700

ⓘ 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: $2,745 · $229/mo
• Projected year-2 tax: $2,745 · $229/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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 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 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,692
• − Mortgage interest: −$9,792
• − Property taxes: −$2,745
• − Insurance: −$874
• − Repairs & maintenance: −$2,535
• − Management: −$2,535
• − Depreciation: −$5,085
• Taxable income: $8,126
• Est. tax owed @ 24.0%: −$1,950
• After-tax cash flow: $8,467/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): 35,257
• Household income: $97,415
• Rent vs Own: 15.0% rent · 85.0% own
• Severe rent burden: 338.0

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 0.62)
• 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%

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

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

+2735.8% since first listed

2 events — show timeline

• 2025-12-04 Listed $190,000 Stellar MLS as Distributed by MLS Grid
• 1977-03-01 Sold (Public Records) $6,700 Public Records

Property tax history

+14.1%/yr

Latest (2025): $2,745 · +11.3% YoY. Source: county tax records.