2000 Palm St · St. Cloud, FL 34769

$150,000

2 bd · 2.0 ba · 784 sqft · Manufactured public records · 38 Days on market

Built 2013 6,011 sqft lot Est $129k · 17% over

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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 +26.5/30.0
• DSCR +9.1/10.0
• 1% rule +5.9/10.0
• Schools +3.6/10.0
• Rent growth +2.8/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Out of M/H Community

Key facts

• Central location
• Spacious kitchen
• Extended driveway

Tags

• CORNER LOT
• CENTRAL LOCATION
• MATURE TREES
• EXTENDED DRIVEWAY
• COVERED FRONT ENTRY
• SPACIOUS KITCHEN

Property features AI

Finance

• Other: Lot about 0.14 acre (approx. 50 x 120); Asphalt/paved road access
• Financial info: Homestead: yes; No lease restrictions
• HOA & community: No association

Exterior

• Utilities: Public water; Septic tank sewer; Public utilities
• Home design: Manufactured home (single wide); Residential property; One story; Faces south; Entry level: One
• Construction: Vinyl siding; Shingle roof; Crawlspace foundation; Built area about 784 sq ft
• Exterior features: Lighting; Rain gutters; Sidewalk

Interior

• Kitchen: Dishwasher; Microwave; Range
• Bedrooms: 2 bedrooms
• Flooring: Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Eat-in kitchen; 5 total rooms
• Laundry & utility: Inside laundry; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $150k.

Deal economics

• At list price, monthly cash flow is $398 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $146k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.5% 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.
• Market conditions: Rents rising (+1.4%/yr); 260 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k 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 38 days — a 3% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 17y 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 $150k implies a 650% 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; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,500 (3.0% below list)

Questions for the listing agent

1. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 3% 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. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
4. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
5. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
6. 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.
7. 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.
8. 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: 1.09% ✓
• Cap rate: 9.48%
• Cash-on-cash: 11.38%
• DSCR: 1.51
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $128,576
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1821 Jersey Ave	0.07mi	2/1.0	828 (+6%)	6mo	$85,000	$103	78
2008 Palm St	0.04mi	2/2.0	672 (-14%)	10mo	$110,000	$164	65
2010 Oak St	0.06mi	2/1.0	672 (-14%)	6mo	$120,000	$179	64

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: -1.1%
• Equity multiple: 0.96×
• Total profit: $-1,670
• Equity at exit: $22,365

10-year hold

• IRR: 6.9%
• Equity multiple: 1.48×
• Total profit: $20,368
• Equity at exit: $12,969

Cash invested: $42,000 (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 34769

• Home prices YoY: -24.6%
• Rents YoY: 1.4%
• Active inventory: 260
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,631 high
• Mortgage (P&I): −$787
• Tax from tax record: −$41 /mo · $492/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$342
• Net cashflow: $398

Break-even live

Break-even rent $1,127

Max offer price $150,000

Occupancy floor 71%

Sensitivity live

Price	-10% $483	-5% $441	+0% $398	+5% $356	+10% $313
Rent	-10% $269	-5% $334	+0% $398	+5% $463	+10% $527
Rate	-1.0pp $474	-0.5pp $436	base $398	+0.5pp $359	+1.0pp $320

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1400 Dakota Ave Saint Cloud, FL	2.0	1.0	690	$1,650	$2.39	24d	1	0.23mi
2400 16th St Saint Cloud, FL	3.0	2.0	1040	$1,799	$1.73	18d	1	0.27mi
1818 Minnesota Ave Unit B St Cloud, FL	1.0	1.5	700	$1,600	$2.29	24d	1	0.30mi
1871 Cactus Ct Saint Cloud, FL	3.0	2.0	900	$1,400	$1.56	18d	1	0.32mi
1423 Montana Ave Saint Cloud, FL	3.0	2.0	1062	$1,895	$1.78	13d	1	0.52mi
1423 Montana Ave Unit 1423 St Cloud, FL	3.0	2.0	1062	$1,895	$1.78	15d	1	0.52mi
1404 Montana Ave Saint Cloud, FL	2.0	1.5	1000	$1,800	$1.80	24d	1	0.57mi
1031 Columbia Ave Apt K St Cloud, FL	1.0	1.0	650	$950	$1.46	21d	1	0.71mi
608 Missouri Ave Saint Cloud, FL	2.0	1.0	956	$1,395	$1.46	4d	1	0.72mi
607 Alabama Ave Saint Cloud, FL	2.0	2.0	952	$2,000	$2.10	15d	1	0.74mi
517 Jersey Ave Saint Cloud, FL	1.0	1.0	600	$1,250	$2.08	8d	1	0.75mi
821 Pennsylvania Ave Saint Cloud, FL	3.0	1.0	1048	$1,695	$1.62	8d	1	0.80mi
616 Massachusetts Ave Unit A St Cloud, FL	2.0	1.0	900	$999	$1.11	22d	1	0.81mi
616 Massachusetts Ave Unit A St Cloud, FL	2.0	1.0	900	$999	$1.11	24d	1	0.81mi
706 New York Ave Saint Cloud, FL	1.0	1.0	750	$1,425	$1.90	24d	1	0.81mi
1007 Florida Ave Saint Cloud, FL	1.0–2.0	1.0	800	$1,350	$1.69	17d	2	0.81mi
712 Michigan Ct #3 Saint Cloud, FL	2.0	1.0	900	$1,600	$1.78	4d	1	0.83mi
714 Michigan Ct #4 Saint Cloud, FL	2.0	1.0	784	$1,350	$1.72	17d	1	0.83mi
720 Michigan Ct #4 Saint Cloud, FL	2.0	1.0	784	$1,295	$1.65	24d	1	0.84mi
720 Michigan Ct #2 Saint Cloud, FL	2.0	1.0	784	$1,199	$1.53	24d	1	0.84mi
715 Michigan Ct #3 Saint Cloud, FL	2.0	1.0	784	$1,300	$1.66	24d	1	0.86mi
521 Montana Ave Saint Cloud, FL	2.0	2.0	1010	$1,495	$1.48	3d	1	0.89mi
521 Montana Ave Saint Cloud, FL	2.0	2.0	1010	$1,495	$1.48	24d	1	0.89mi
736 Michigan Ct #4 Saint Cloud, FL	2.0	1.0	784	$1,300	$1.66	13d	1	0.90mi
731 Michigan Ct St Cloud, FL	2.0	1.0	784	$1,350	$1.72	8d	1	0.92mi
698 Michigan Ct #1 Saint Cloud, FL	2.0	1.0	784	$1,225	$1.56	22d	1	0.92mi
733 Michigan Ct St Cloud, FL	2.0	1.0	784	$1,295	$1.65	24d	1	0.93mi
437 Columbia Ave St Cloud, FL	2.0	2.0	1103	$1,800	$1.63	24d	1	0.98mi
3010 Camber Dr Saint Cloud, FL	1.0–2.0	1.0–2.0	1007	$1,971	$1.96	3d	18	1.04mi
212 Tennessee Ave Saint Cloud, FL	2.0	1.0	1009	$1,700	$1.68	24d	1	1.10mi
3100 Soldier City Way St Cloud, FL	3.0	2.0	1085	$1,875	$1.73	4d	6	1.12mi
1400 Carolina Ave Saint Cloud, FL	2.0	1.5	920	$1,495	$1.62	24d	1	1.14mi
3528 Bay Ct Saint Cloud, FL	2.0	1.0	884	$1,495	$1.69	24d	1	1.14mi
3065 Soldier City Way Unit 202 St Cloud, FL	3.0	2.0	1125	$1,800	$1.60	21d	1	1.15mi
201 Georgia Ave Saint Cloud, FL	2.0	2.0	915	$1,500	$1.64	8d	1	1.15mi
3075 Soldier City Way Unit 202 St Cloud, FL	3.0	2.0	1125	$1,800	$1.60	21d	1	1.16mi
3075 Soldier City Way Unit 102 St Cloud, FL	3.0	2.0	1045	$1,800	$1.72	24d	1	1.16mi
3075 Soldier City Way Unit 103 St Cloud, FL	3.0	2.0	1045	$1,850	$1.77	24d	1	1.16mi
3075 Soldier City Way Unit 101 St Cloud, FL	3.0	2.0	1045	$1,850	$1.77	5d	1	1.16mi
3085 Soldier City Way Unit 203 St Cloud, FL	3.0	2.0	1045	$1,850	$1.77	24d	1	1.17mi

Listing history 24 events

1. 2026-06-21
   days on market $150,000 Active 38 DOM
2. 2026-06-18
   days on market $150,000 Active 35 DOM
3. 2026-06-17
   days on market $150,000 Active 34 DOM
4. 2026-06-16
   days on market $150,000 Active 33 DOM
5. 2026-06-15
   days on market $150,000 Active 32 DOM
6. 2026-06-13
   days on market $150,000 Active 30 DOM
7. 2026-06-13
   days on market $150,000 Active 29 DOM
8. 2026-06-09
   days on market $150,000 Active 26 DOM
9. 2026-06-08
   days on market $150,000 Active 25 DOM
10. 2026-06-07
    days on market $150,000 Active 24 DOM
11. 2026-06-04
    days on market $150,000 Active 21 DOM
12. 2026-06-03
    days on market $150,000 Active 20 DOM
13. 2026-06-02
    days on market $150,000 Active 19 DOM
14. 2026-06-01
    days on market $150,000 Active 18 DOM
15. 2026-05-31
    days on market $150,000 Active 17 DOM
16. 2026-05-14
    listed $150,000 Active
17. 2026-04-15
    historical
18. 2026-03-19
    price $164,900
19. 2026-01-30
    price $169,900
20. 2026-01-22
    listed $179,900 Active
21. 2010-03-01
    soldstatus $20,000 20-char remark

    Show marketing remark (20 chars)

    Out of M/H Community

22. 2009-11-25
    listed $24,900 20-char remark

    Show marketing remark (20 chars)

    Out of M/H Community

23. 1998-07-02
    soldstatus $37,000
24. 1980-04-01
    soldstatus $8,000

ⓘ 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: $492 · $41/mo
• Projected year-2 tax: $1,245 · $104/mo
• Expected delta: +$753/yr (+$63/mo · 152.8%)

ⓘ 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 4/10 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

Taxation est. · year 1

• Rental income: $19,571
• − Mortgage interest: −$8,402
• − Property taxes: −$492
• − Insurance: −$750
• − Repairs & maintenance: −$1,566
• − Management: −$1,566
• − Depreciation: −$4,364
• Taxable income: $2,431
• Est. tax owed @ 24.0%: −$583
• After-tax cash flow: $4,196/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
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+1775.0% since first listed

9 events — show timeline

• 2026-05-14 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-03-19 Price Changed $164,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-30 Price Changed $169,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-22 Listed $179,900 Stellar MLS as Distributed by MLS Grid
• 2010-03-01 Sold (MLS) $20,000 Stellar MLS as Distributed by MLS Grid
• 2009-11-25 Listed $24,900 Stellar MLS as Distributed by MLS Grid
• 1998-07-02 Sold (Public Records) $37,000 Public Records
• 1980-04-01 Sold (Public Records) $8,000 Public Records

Property tax history

+2.5%/yr

Latest (2025): $492 · +2.0% YoY. Source: county tax records.