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706 Massachusetts Ave
C- Composite 50.97
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

706 Massachusetts Ave · St. Cloud, FL 34769
3 bd · 1.5 ba · 1,516 sqft · SingleFamily public records · 79 Days on market
Built 1950 7,492 sqft lot Est $334k · 19% under

🖨 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

BUILT-IN SHELVINGCOZY FIREPLACEOPEN KITCHENGENEROUS COUNTER SPACESEPARATE FAMILY ROOMLARGE SLIDING GLASS DOOR

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

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

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.
Recommended offer $223,457 (16.9% below list)

Questions for the listing agent

  1. 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?
  2. Built in 1950 — 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
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

5-year hold
IRR
-14.4%
Equity multiple
0.49×
Total profit
$-38,149
Equity at exit
$40,109
10-year hold
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
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

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

Break-even rent $2,052
Max offer price $269,000
Occupancy floor 89%

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

AddressBedsBaths SqftRent$/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

  1. 2026-06-17
    status $269,000 Pending 79 DOM
  2. 2026-06-16
    days on market $269,000 Active 79 DOM
  3. 2026-06-15
    days on market $269,000 Active 78 DOM
  4. 2026-06-13
    days on market $269,000 Active 76 DOM
  5. 2026-06-13
    days on market $269,000 Active 75 DOM
  6. 2026-06-09
    days on market $269,000 Active 72 DOM
  7. 2026-06-08
    days on market $269,000 Active 71 DOM
  8. 2026-06-07
    days on market $269,000 Active 70 DOM
  9. 2026-06-04
    days on market $269,000 Active 67 DOM
  10. 2026-06-03
    days on market $269,000 Active 66 DOM
  11. 2026-06-02
    days on market $269,000 Active 65 DOM
  12. 2026-06-02
    days on market $269,000 Active 64 DOM
  13. 2026-05-31
    days on market $269,000 Active 63 DOM
  14. 2026-05-21
    price $269,000
  15. 2026-04-09
    status Active
  16. 2025-12-29
    status Pending
  17. 2025-12-18
    listed $280,000 Active
  18. 2015-08-19
    soldstatus $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.

  19. 2015-07-15
    status 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.

  20. 2015-07-10
    status 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.

  21. 2015-05-31
    status 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.

  22. 2015-05-20
    status 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.

  23. 2015-05-11
    status 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.

  24. 2015-05-01
    listed $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.

  25. 2015-04-24
    historical
  26. 2015-04-18
    listed $117,900 Active
  27. 2014-07-23
    historical
  28. 2014-07-21
    status Active
  29. 2014-06-20
    status Pending
  30. 2014-06-14
    status Active
  31. 2014-06-10
    historical
  32. 2014-06-04
    status Active
  33. 2014-05-08
    status Pending
  34. 2014-05-06
    price $109,900
  35. 2014-05-05
    status Active
  36. 2013-03-06
    listed $89,900
  37. 2008-01-02
    soldstatus $166,000
  38. 2007-12-21
    soldstatus $166,000
  39. 2007-05-03
    listed $175,000
  40. 2006-08-17
    historical
  41. 2006-06-17
    listed $199,000
  42. 2000-01-25
    soldstatus $73,000
  43. 1994-08-31
    soldstatus $67,000
  44. 1979-04-01
    soldstatus $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
combined federal + state — saved on this device
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
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

Price history

+679.7% since first listed
31 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%/yr

Latest (2025): $1,177 · +5.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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