706 Massachusetts Ave · St. Cloud, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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 +16.2/30.0
- ARV discount +15.0/15.0
- DSCR +5.0/10.0
- Schools +3.6/10.0
- 1% rule +3.3/10.0
- Rent growth +2.8/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$269,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This spacious and traditional 3 BD 1.5 BA welcomes you home with a great room filled with character, from the custom built-in storage space to the fireplace with a custom mantle. The open kitchen provides significant counter and cabinet space for cooking meals and entertaining and the separate family room is sure to impress with plush carpets, floor-to-ceiling wood overlay on the walls, and direct access to the backyard through a large sliding glass door. The sizable pool and deck await you in the backyard with plenty of space to entertain and a small covered area perfect for grilling or simply relaxing in Florida’s beautiful weather. Large windows in the bedrooms and bathrooms allow natural light to pour right in and round out this lovely home. All measurements are approximate and not guaranteed, any information contained herein critical to the buyer's decision to purchase must be verified by the buyers. This is a Fannie Mae property.
Key facts
- Cozy fireplace
- Built-in shelving
- Open kitchen
Tags
Property features AI
Finance
- Other: Homestead exemption indicated; Zoned SR2
- HOA & community: No HOA association reported; Pets allowed
Exterior
- Utilities: Public water; Public sewer; Public utilities
- Home design: Single family residence; One story; East-facing; Residential property
- Construction: Block and stucco construction; Shingle roof; Slab foundation; Built with living area ~1,516 sq ft
- Exterior features: Sidewalk; Sliding doors; Private in-ground pool; Paved road access; Lot approximately 50 x 150 (0.17 acres)
Interior
- Kitchen: Dishwasher; Microwave; Range; Refrigerator
- Bedrooms: 3 bedrooms
- Flooring: Carpet; Tile
- Bathrooms: 1 full bath; 1 half bath
- Heating & cooling: Central heating; Central air conditioning
- Interior features: Ceiling fans; Living room fireplace
- Laundry & utility: Laundry inside
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.5-bath single-family listed at $269k.
Deal economics
- At list price, monthly cash flow is $145 ($2k/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 $223k (16.9% below list).
- Recommended offer: $223k (16.9% below list) — sets the bar for 1% rule.
- Cap rate 6.9% 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 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: Lakeview Elementary School (math 54% / reading 51%, grade C-, #976 of 2,144 statewide, top 46%, 770 students, 54% FRL); St. Cloud Middle School (math 52% / reading 50%, grade C, #237 of 571 statewide, top 43%, 1,229 students, 60% FRL); St. Cloud High School (math 32% / reading 50%, grade F, #289 of 667 statewide, top 44%, 2,264 students, 51% FRL).
- Market conditions: Rents rising (+1.4%/yr); 260 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).
- This rent runs 40% of the median local income ($67k/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 $2k of loan paydown is wiped out by about $8k 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 79 days — a 6% lower offer ($253k) is reasonable based on typical stale-listing flexibility.
- 13 sale attempts since 20y 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 $120k; list at $269k implies a 124% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
- 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.
Questions for the listing agent
- It's been on market 79 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
- Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 0.83% ✗
- Cap rate
- 6.94%
- Cash-on-cash
- 2.30%
- DSCR
- 1.10
- GRM
- 10.0
CMA / ARV
- ARV (on-the-fly)
- $333,520
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 511 Missouri Ave | 0.27mi | 3/2.0 | 1,425 (-6%) | 2mo | $340,000 | $239 | 74 |
| 812 10th St | 0.44mi | 3/2.0 | 1,577 (+4%) | 6mo | $318,000 | $202 | 66 |
| 424 Wisconsin Ave | 0.39mi | 3/2.0 | 1,410 (-7%) | 7mo | $350,000 | $248 | 62 |
| 1723 Kentucky Ave | 0.67mi | 3/1.0 | 1,466 (-3%) | 2mo | $320,000 | $218 | 60 |
| 600 Wisconsin Ave | 0.35mi | 2/2.0 (-1) | 1,374 (-9%) | 5mo | $325,000 | $237 | 57 |
| 425 Wisconsin Ave | 0.37mi | 3/2.0 | 1,726 (+14%) | 1mo | $415,000 | $240 | 57 |
| 1121 Illinois Ave | 0.53mi | 3/2.0 | 1,379 (-9%) | 3mo | $300,000 | $218 | 55 |
| 700 9th St | 0.49mi | 3/2.0 | 1,688 (+11%) | 1mo | $350,000 | $207 | 55 |
| 512 Maryland Ave | 0.63mi | 3/2.0 | 1,396 (-8%) | 7mo | $300,000 | $215 | 50 |
| 1409 Virginia Ave | 0.74mi | 3/2.5 | 1,592 (+5%) | 6mo | $350,000 | $220 | 48 |
| 211 Michigan Ave | 0.66mi | 3/3.0 | 1,616 (+7%) | 8mo | $382,500 | $237 | 46 |
| 200 Virginia Ave | 0.70mi | 2/1.5 (-1) | 1,338 (-12%) | 6mo | $295,000 | $220 | 37 |
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
- IRR
- -14.4%
- Equity multiple
- 0.49×
- Total profit
- $-38,149
- Equity at exit
- $40,109
- IRR
- -8.2%
- Equity multiple
- 0.52×
- Total profit
- $-36,314
- Equity at exit
- $23,258
Cash invested: $75,320 (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
ZIP-level market 34769
- Home prices YoY
- -24.6%
- Rents YoY
- 1.4%
- Active inventory
- 260
- Price-to-rent
- 10.0×
Monthly cashflow live
- Estimated rent
- $2,235 high interval (Pro) →
- Mortgage (P&I)
- −$1,411
- Tax from tax record
- −$98 /mo · $1,177/yr
- Insurance
- −$112
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$469
- Net cashflow
- $145
Break-even live
Sensitivity live
| Price | -10% $297 | -5% $221 | +0% $145 | +5% $68 | +10% $-8 |
|---|---|---|---|---|---|
| Rent | -10% $-32 | -5% $56 | +0% $145 | +5% $233 | +10% $321 |
| Rate | -1.0pp $280 | -0.5pp $213 | base $145 | +0.5pp $75 | +1.0pp $4 |
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
- $67,250
- Closing costs
- $8,070
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 31 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 701 New York Ave Saint Cloud, FL | 4.0 | 4.0 | 2166 | $2,400 | $1.11 | 9d | 1 | 0.10mi |
| 613 Minnesota Ave Saint Cloud, FL | 3.0 | 2.0 | 1382 | $2,125 | $1.54 | 0d | 1 | 0.12mi |
| 814 Minnesota Ave Saint Cloud, FL | 4.0 | 3.0 | 1400 | $3,000 | $2.14 | 5d | 1 | 0.14mi |
| 514 New York Ave Saint Cloud, FL | 2.0 | 2.0 | 1207 | $1,550 | $1.28 | 23d | 1 | 0.15mi |
| 713 Illinois Ave Saint Cloud, FL | 3.0 | 1.5 | 1606 | $1,890 | $1.18 | 6d | 1 | 0.45mi |
| 208 Missouri Ave Saint Cloud, FL | 3.0 | 2.0 | 1516 | $2,500 | $1.65 | 0d | 1 | 0.51mi |
| 1606 Connecticut Ave Saint Cloud, FL | 3.0 | 2.0 | 1225 | $1,895 | $1.55 | 19d | 1 | 0.60mi |
| 215 Illinois Ave Saint Cloud, FL | 2.0 | 2.0 | 1416 | $1,995 | $1.41 | 25d | 1 | 0.61mi |
| 1513 Michigan Ave Saint Cloud, FL | 3.0 | 2.0 | 1400 | $1,850 | $1.32 | 0d | 1 | 0.73mi |
| 929 Louisiana Ave Saint Cloud, FL | 3.0 | 2.0 | 1636 | $1,795 | $1.10 | 16d | 1 | 0.86mi |
| 1108 Oregon Ave Saint Cloud, FL | 3.0 | 2.0 | 1400 | $2,200 | $1.57 | 23d | 1 | 0.93mi |
| 810 Montana Ave Saint Cloud, FL | 3.0 | 2.0 | 1254 | $1,599 | $1.28 | 21d | 1 | 0.95mi |
| 437 Columbia Ave St Cloud, FL | 2.0 | 2.0 | 1103 | $1,750 | $1.59 | 0d | 1 | 1.00mi |
| 519 Mississippi Ave Saint Cloud, FL | 3.0 | 2.0 | 1192 | $1,945 | $1.63 | 0d | 1 | 1.00mi |
| 1423 Montana Ave Saint Cloud, FL | 3.0 | 2.0 | 1062 | $1,895 | $1.78 | 13d | 1 | 1.03mi |
| 1423 Montana Ave Unit 1423 St Cloud, FL | 3.0 | 2.0 | 1062 | $1,895 | $1.78 | 16d | 1 | 1.03mi |
| 1710 Barton Towne Cir Saint Cloud, FL | 3.0 | 2.5 | 1728 | $1,950 | $1.13 | 22d | 1 | 1.03mi |
| 1710 Barton Towne Cir Saint Cloud, FL | 3.0 | 2.5 | 1728 | $2,100 | $1.22 | 25d | 1 | 1.03mi |
| 817 Eastern Ave St Cloud, FL | 3.0 | 2.0 | 1280 | $1,599 | $1.25 | 25d | 1 | 1.05mi |
| 1784 Barton Towne Cir Saint Cloud, FL | 3.0 | 2.5 | 1715 | $2,000 | $1.17 | 25d | 1 | 1.06mi |
| 9 E 5th St St Cloud, FL | 3.0 | 2.0 | 1110 | $1,495 | $1.35 | 25d | 1 | 1.06mi |
| 284 Reese Ct Saint Cloud, FL | 3.0 | 2.0 | 1380 | $2,000 | $1.45 | 25d | 1 | 1.07mi |
| 2399 Missouri Ave Saint Cloud, FL | 4.0 | 2.0 | 1651 | $2,400 | $1.45 | 25d | 1 | 1.07mi |
| 1603 Cloudy Ct Saint Cloud, FL | 4.0 | 2.5 | 2020 | $2,400 | $1.19 | 25d | 1 | 1.07mi |
| 1738 Barton Towne Cir Saint Cloud, FL | 3.0 | 2.5 | 1728 | $2,100 | $1.22 | 25d | 1 | 1.09mi |
| 2596 Wekiva Ln Saint Cloud, FL | 2.0 | 2.0 | 1159 | $1,750 | $1.51 | 25d | 1 | 1.12mi |
| 2685 Shelby Ruth Pl Saint Cloud, FL | 2.0 | 2.0 | 1249 | $2,000 | $1.60 | 9d | 1 | 1.14mi |
| 2405 Bulrush Dr Saint Cloud, FL | 4.0 | 2.0 | 1759 | $2,600 | $1.48 | 16d | 1 | 1.18mi |
| 2900 Cool Breeze Cir Saint Cloud, FL | 3.0 | 2.0 | 1226 | $1,189 | $0.97 | 25d | 1 | 1.20mi |
| 495 Orange Ave Saint Cloud, FL | 4.0 | 3.0 | 1900 | $2,700 | $1.42 | 25d | 1 | 1.33mi |
| 3421 Home Town Ln Saint Cloud, FL | 3.0 | 2.5 | 1926 | $2,000 | $1.04 | 13d | 1 | 1.40mi |
Listing history 44 events
-
2026-06-17status $269,000 Pending 79 DOM
-
2026-06-16days on market $269,000 Active 79 DOM
-
2026-06-15days on market $269,000 Active 78 DOM
-
2026-06-13days on market $269,000 Active 76 DOM
-
2026-06-13days on market $269,000 Active 75 DOM
-
2026-06-09days on market $269,000 Active 72 DOM
-
2026-06-08days on market $269,000 Active 71 DOM
-
2026-06-07days on market $269,000 Active 70 DOM
-
2026-06-04days on market $269,000 Active 67 DOM
-
2026-06-03days on market $269,000 Active 66 DOM
-
2026-06-02days on market $269,000 Active 65 DOM
-
2026-06-02days on market $269,000 Active 64 DOM
-
2026-05-31days on market $269,000 Active 63 DOM
-
2026-05-21price $269,000
-
2026-04-09status Active
-
2025-12-29status Pending
-
2025-12-18$280,000 Active
-
2015-08-19soldstatus $119,900 Sold 955-char remark
Show marketing remark (955 chars)
This spacious and traditional 3 BD 1.5 BA welcomes you home with a great room filled with character, from the custom built-in storage space to the fireplace with a custom mantle. The open kitchen provides significant counter and cabinet space for cooking meals and entertaining and the separate family room is sure to impress with plush carpets, floor-to-ceiling wood overlay on the walls, and direct access to the backyard through a large sliding glass door. The sizable pool and deck await you in the backyard with plenty of space to entertain and a small covered area perfect for grilling or simply relaxing in Florida’s beautiful weather. Large windows in the bedrooms and bathrooms allow natural light to pour right in and round out this lovely home. All measurements are approximate and not guaranteed, any information contained herein critical to the buyer's decision to purchase must be verified by the buyers. This is a Fannie Mae property.
-
2015-07-15status Pending 955-char remark
Show marketing remark (955 chars)
This spacious and traditional 3 BD 1.5 BA welcomes you home with a great room filled with character, from the custom built-in storage space to the fireplace with a custom mantle. The open kitchen provides significant counter and cabinet space for cooking meals and entertaining and the separate family room is sure to impress with plush carpets, floor-to-ceiling wood overlay on the walls, and direct access to the backyard through a large sliding glass door. The sizable pool and deck await you in the backyard with plenty of space to entertain and a small covered area perfect for grilling or simply relaxing in Florida’s beautiful weather. Large windows in the bedrooms and bathrooms allow natural light to pour right in and round out this lovely home. All measurements are approximate and not guaranteed, any information contained herein critical to the buyer's decision to purchase must be verified by the buyers. This is a Fannie Mae property.
-
2015-07-10status Active 955-char remark
Show marketing remark (955 chars)
This spacious and traditional 3 BD 1.5 BA welcomes you home with a great room filled with character, from the custom built-in storage space to the fireplace with a custom mantle. The open kitchen provides significant counter and cabinet space for cooking meals and entertaining and the separate family room is sure to impress with plush carpets, floor-to-ceiling wood overlay on the walls, and direct access to the backyard through a large sliding glass door. The sizable pool and deck await you in the backyard with plenty of space to entertain and a small covered area perfect for grilling or simply relaxing in Florida’s beautiful weather. Large windows in the bedrooms and bathrooms allow natural light to pour right in and round out this lovely home. All measurements are approximate and not guaranteed, any information contained herein critical to the buyer's decision to purchase must be verified by the buyers. This is a Fannie Mae property.
-
2015-05-31status Pending 955-char remark
Show marketing remark (955 chars)
This spacious and traditional 3 BD 1.5 BA welcomes you home with a great room filled with character, from the custom built-in storage space to the fireplace with a custom mantle. The open kitchen provides significant counter and cabinet space for cooking meals and entertaining and the separate family room is sure to impress with plush carpets, floor-to-ceiling wood overlay on the walls, and direct access to the backyard through a large sliding glass door. The sizable pool and deck await you in the backyard with plenty of space to entertain and a small covered area perfect for grilling or simply relaxing in Florida’s beautiful weather. Large windows in the bedrooms and bathrooms allow natural light to pour right in and round out this lovely home. All measurements are approximate and not guaranteed, any information contained herein critical to the buyer's decision to purchase must be verified by the buyers. This is a Fannie Mae property.
-
2015-05-20status Active 955-char remark
Show marketing remark (955 chars)
This spacious and traditional 3 BD 1.5 BA welcomes you home with a great room filled with character, from the custom built-in storage space to the fireplace with a custom mantle. The open kitchen provides significant counter and cabinet space for cooking meals and entertaining and the separate family room is sure to impress with plush carpets, floor-to-ceiling wood overlay on the walls, and direct access to the backyard through a large sliding glass door. The sizable pool and deck await you in the backyard with plenty of space to entertain and a small covered area perfect for grilling or simply relaxing in Florida’s beautiful weather. Large windows in the bedrooms and bathrooms allow natural light to pour right in and round out this lovely home. All measurements are approximate and not guaranteed, any information contained herein critical to the buyer's decision to purchase must be verified by the buyers. This is a Fannie Mae property.
-
2015-05-11status Pending 955-char remark
Show marketing remark (955 chars)
This spacious and traditional 3 BD 1.5 BA welcomes you home with a great room filled with character, from the custom built-in storage space to the fireplace with a custom mantle. The open kitchen provides significant counter and cabinet space for cooking meals and entertaining and the separate family room is sure to impress with plush carpets, floor-to-ceiling wood overlay on the walls, and direct access to the backyard through a large sliding glass door. The sizable pool and deck await you in the backyard with plenty of space to entertain and a small covered area perfect for grilling or simply relaxing in Florida’s beautiful weather. Large windows in the bedrooms and bathrooms allow natural light to pour right in and round out this lovely home. All measurements are approximate and not guaranteed, any information contained herein critical to the buyer's decision to purchase must be verified by the buyers. This is a Fannie Mae property.
-
2015-05-01$119,900 Active 955-char remark
Show marketing remark (955 chars)
This spacious and traditional 3 BD 1.5 BA welcomes you home with a great room filled with character, from the custom built-in storage space to the fireplace with a custom mantle. The open kitchen provides significant counter and cabinet space for cooking meals and entertaining and the separate family room is sure to impress with plush carpets, floor-to-ceiling wood overlay on the walls, and direct access to the backyard through a large sliding glass door. The sizable pool and deck await you in the backyard with plenty of space to entertain and a small covered area perfect for grilling or simply relaxing in Florida’s beautiful weather. Large windows in the bedrooms and bathrooms allow natural light to pour right in and round out this lovely home. All measurements are approximate and not guaranteed, any information contained herein critical to the buyer's decision to purchase must be verified by the buyers. This is a Fannie Mae property.
-
2015-04-24historical
-
2015-04-18$117,900 Active
-
2014-07-23historical
-
2014-07-21status Active
-
2014-06-20status Pending
-
2014-06-14status Active
-
2014-06-10historical
-
2014-06-04status Active
-
2014-05-08status Pending
-
2014-05-06price $109,900
-
2014-05-05status Active
-
2013-03-06$89,900
-
2008-01-02soldstatus $166,000
-
2007-12-21soldstatus $166,000
-
2007-05-03$175,000
-
2006-08-17historical
-
2006-06-17$199,000
-
2000-01-25soldstatus $73,000
-
1994-08-31soldstatus $67,000
-
1979-04-01soldstatus $34,500
ⓘ 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
- $1,177 · $98/mo
- Projected year-2 tax
- $2,233 · $186/mo
- Expected delta
- +$1,056/yr (+$88/mo · 89.7%)
ⓘ 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 3/10 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $26,815
- − Mortgage interest
- −$15,068
- − Property taxes
- −$1,177
- − Insurance
- −$1,345
- − Repairs & maintenance
- −$2,145
- − Management
- −$2,145
- − Depreciation
- −$7,825
- Taxable loss
- −$2,891
- Est. tax savings @ 24.0%
- +$694
- After-tax cash flow
- $2,428/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
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+679.7% since first listed31 events — show timeline
- 2026-05-21 Price Changed $269,000 Stellar MLS as Distributed by MLS Grid
- 2026-04-09 Relisted — Stellar MLS as Distributed by MLS Grid
- 2025-12-29 Pending — Stellar MLS as Distributed by MLS Grid
- 2025-12-18 Listed $280,000 Stellar MLS as Distributed by MLS Grid
- 2015-08-19 Sold (MLS) $119,900 Stellar MLS as Distributed by MLS Grid
- 2015-07-15 Pending — Stellar MLS as Distributed by MLS Grid
- 2015-07-10 Relisted — Stellar MLS as Distributed by MLS Grid
- 2015-05-31 Pending — Stellar MLS as Distributed by MLS Grid
- 2015-05-20 Relisted — Stellar MLS as Distributed by MLS Grid
- 2015-05-11 Pending — Stellar MLS as Distributed by MLS Grid
- 2015-05-01 Listed $119,900 Stellar MLS as Distributed by MLS Grid
- 2015-04-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2015-04-18 Listed $117,900 Stellar MLS as Distributed by MLS Grid
- 2014-07-23 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2014-07-21 Relisted — Stellar MLS as Distributed by MLS Grid
- 2014-06-20 Pending — Stellar MLS as Distributed by MLS Grid
- 2014-06-14 Relisted — Stellar MLS as Distributed by MLS Grid
- 2014-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2014-06-04 Relisted — Stellar MLS as Distributed by MLS Grid
- 2014-05-08 Pending — Stellar MLS as Distributed by MLS Grid
- 2014-05-06 Price Changed $109,900 Stellar MLS as Distributed by MLS Grid
- 2014-05-05 Relisted — Stellar MLS as Distributed by MLS Grid
- 2013-03-06 Listed $89,900 Stellar MLS as Distributed by MLS Grid
- 2008-01-02 Sold (Public Records) $166,000 Public Records
- 2007-12-21 Sold (MLS) $166,000 Stellar MLS as Distributed by MLS Grid
- 2007-05-03 Listed $175,000 Stellar MLS as Distributed by MLS Grid
- 2006-08-17 Listing Removed — Stellar MLS as Distributed by MLS Grid
- 2006-06-17 Listed $199,000 Stellar MLS as Distributed by MLS Grid
- 2000-01-25 Sold (Public Records) $73,000 Public Records
- 1994-08-31 Sold (Public Records) $67,000 Public Records
- 1979-04-01 Sold (Public Records) $34,500 Public Records
Property tax history
+4.8%/yrLatest (2025): $1,177 · +5.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…