9010 Concord Rd · Saint Cloud, FL 34773

$239,000

3 bd · 3.0 ba · 1,308 sqft · Manufactured public records · 93 Days on market

Built 1958 0.92 ac lot Est $271k · 12% under

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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 +24.9/30.0
• ARV discount +12.8/15.0
• DSCR +8.1/10.0
• 1% rule +5.4/10.0
• 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

Listing remarks MLS

Welcome to 9010 Concord Road in St. Cloud, Florida -- a unique opportunity to own a spacious home situated on just under 1 acre of land with NO HOA, NO CDD and NO Flood Zone. Offering approximately 1,428 living square feet, this three-bedroom, three-bath home features an inviting open floor plan that provides flexible living and entertaining space. Recent improvements include fresh interior paint, updated landscaping, and a fully fenced yard with a driveway gate, offering both privacy and functionality. Originally a 1958 mobile home, the property includes improvements and updates completed in 2007, adding to its usability and overall appeal. Whether you are searching for your next primary residence, rental property, or investment opportunity, this home presents excellent potential with room to make it your own. Step inside to a spacious foyer that leads into the dining room. The kitchen and living room are located in the center of the home, offering easy entertaining options. Don't miss your opportunity to make this property your next home or investment. With plenty of space for vehicles, boats, campers or gardening this property offers flexibility and freedom rarely found at this price point. Holopaw has local restaurants, shopping and near the Community Center offering access to parks, playgrounds, baseball fields plus a second park including a basketball court. Orlando International Airport is 35 miles away and the Brevard County beaches are only 33 miles away. Enjoy the freedom of country-style living while still being conveniently located near local amenities, shopping, dining, and major roadways. All information is deemed reliable and shall be independently verified. Lot lines and measurements are estimated.

Key facts

• Driveway gate
• No cdd
• Updated landscaping

Tags

• NO HOA
• NO CDD
• NO FLOOD ZONE
• FULLY FENCED YARD
• DRIVEWAY GATE
• UPDATED LANDSCAPING

Property features AI

Finance

• Other: Approximately 0.92 acre lot (about 1/2 to less than 1 acre)
• HOA & community: No association; Community park; Community playground

Exterior

• Parking: Boat parking; Driveway parking; Golf cart parking; Open and oversized parking
• Utilities: Private well water; Private sewer / septic tank; High-bandwidth internet available; Cable available; Electricity available and connected; Water connected; Sewer connected
• Home design: Residential mobile home (double wide); Single-story; North-facing
• Construction: Brick and vinyl siding exterior; Shingle roof; Crawlspace, pillar/post/pier, and slab foundation; Completed condition
• Exterior features: Sidewalk; Storage structure on property; Trees and landscaped areas; Wooded areas; Cleared, oversized lot; Paved surfaces and paved road access; Publicly maintained road

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile; Laminate
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; High ceilings; Open floorplan; Thermostat
• Laundry & utility: Washer hookup; Dryer hookup (electric); Laundry room inside

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath manufactured listed at $239k.

Deal economics

• At list price, monthly cash flow is $512 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $239k).
• Recommended offer: $217k (9.0% below list) — sets the bar for market timing.

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.
• 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); 383 active listings in the ZIP; solid renter incomes; 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).

Forward outlook

• In year one you build about $537 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.
• At projected returns (-0.5% appreciation + 1.8% rent growth), your $67k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($217k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask has dropped $20k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $77k; list at $239k implies a 210% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.
• 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 $217,490 (9.0% below list)

Questions for the listing agent

1. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1958 — 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: 1.04% ✓
• Cap rate: 8.86%
• Cash-on-cash: 9.18%
• DSCR: 1.41
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $270,756
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9180 Concord Rd	0.46mi	3/2.0	1,440 (+10%)	1mo	$297,500	$207	57
9055 Atlas Dr	0.26mi	3/2.0	1,493 (+14%)	5mo	$330,000	$221	56
9015 Richmond Rd	0.18mi	3/2.0	1,503 (+15%)	13mo	$290,000	$193	52
4980 Satellite Ave	0.73mi	3/2.0	1,248 (-5%)	14mo	$178,000	$143	43

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: 5.7%
• Equity multiple: 1.26×
• Total profit: $17,352
• Equity at exit: $63,874

10-year hold

• IRR: 10.5%
• Equity multiple: 2.05×
• Total profit: $70,393
• Equity at exit: $72,500

Cash invested: $66,920 (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: 383
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $2,485 medium
• Mortgage (P&I): −$1,253
• Tax from tax record: −$99 /mo · $1,183/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$522
• Net cashflow: $512

Break-even live

Break-even rent $1,837

Max offer price $239,000

Occupancy floor 74%

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: $59,750
• Closing costs: $7,170
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-18
   days on market $239,000 Active 93 DOM
2. 2026-06-17
   pricedays on market $239,000 Active 92 DOM
3. 2026-06-16
   days on market $249,000 Active 91 DOM
4. 2026-06-15
   days on market $249,000 Active 90 DOM
5. 2026-06-13
   days on market $249,000 Active 88 DOM
6. 2026-06-13
   days on market $249,000 Active 87 DOM
7. 2026-06-09
   days on market $249,000 Active 84 DOM
8. 2026-06-08
   days on market $249,000 Active 83 DOM
9. 2026-06-07
   days on market $249,000 Active 82 DOM
10. 2026-06-04
    days on market $249,000 Active 79 DOM
11. 2026-06-03
    days on market $249,000 Active 78 DOM
12. 2026-06-02
    days on market $249,000 Active 77 DOM
13. 2026-06-02
    days on market $249,000 Active 76 DOM
14. 2026-05-31
    days on market $249,000 Active 75 DOM
15. 2026-03-18
    listed $259,000 Active 1743-char remark

    Show marketing remark (1743 chars)

    Welcome to 9010 Concord Road in St. Cloud, Florida -- a unique opportunity to own a spacious home situated on just under 1 acre of land with NO HOA, NO CDD and NO Flood Zone. Offering approximately 1,428 living square feet, this three-bedroom, three-bath home features an inviting open floor plan that provides flexible living and entertaining space. Recent improvements include fresh interior paint, updated landscaping, and a fully fenced yard with a driveway gate, offering both privacy and functionality. Originally a 1958 mobile home, the property includes improvements and updates completed in 2007, adding to its usability and overall appeal. Whether you are searching for your next primary residence, rental property, or investment opportunity, this home presents excellent potential with room to make it your own. Step inside to a spacious foyer that leads into the dining room. The kitchen and living room are located in the center of the home, offering easy entertaining options. Don't miss your opportunity to make this property your next home or investment. With plenty of space for vehicles, boats, campers or gardening this property offers flexibility and freedom rarely found at this price point. Holopaw has local restaurants, shopping and near the Community Center offering access to parks, playgrounds, baseball fields plus a second park including a basketball court. Orlando International Airport is 35 miles away and the Brevard County beaches are only 33 miles away. Enjoy the freedom of country-style living while still being conveniently located near local amenities, shopping, dining, and major roadways. All information is deemed reliable and shall be independently verified. Lot lines and measurements are estimated.

16. 2026-03-17
    listed $259,000 Active
17. 2023-02-01
    listed $249,000 Active
18. 2017-02-27
    soldstatus $77,000
19. 2015-12-23
    soldstatus $78,000
20. 2002-05-23
    soldstatus $33,200
21. 1998-06-16
    soldstatus $32,000
22. 1994-05-24
    soldstatus $22,000

ⓘ 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: $1,183 · $99/mo
• Projected year-2 tax: $1,984 · $165/mo
• Expected delta: +$801/yr (+$67/mo · 67.7%)

ⓘ 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 6/10 Major
• 🌡 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: $29,826
• − Mortgage interest: −$13,388
• − Property taxes: −$1,183
• − Insurance: −$1,195
• − Repairs & maintenance: −$2,386
• − Management: −$2,386
• − Depreciation: −$6,953
• Taxable income: $2,335
• Est. tax owed @ 24.0%: −$560
• After-tax cash flow: $5,584/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

+1077.3% since first listed

8 events — show timeline

• 2026-03-18 Listed $259,000 SCMLS
• 2026-03-17 Listed $259,000 Stellar MLS as Distributed by MLS Grid
• 2023-02-01 Listed $249,000 Stellar MLS as Distributed by MLS Grid
• 2017-02-27 Sold (Public Records) $77,000 Public Records
• 2015-12-23 Sold (Public Records) $78,000 Public Records
• 2002-05-23 Sold (Public Records) $33,200 Public Records
• 1998-06-16 Sold (Public Records) $32,000 Public Records
• 1994-05-24 Sold (Public Records) $22,000 Public Records

Property tax history

+3.2%/yr

Latest (2025): $1,183 · +8.6% YoY. Source: county tax records.