4412 Teka Ln · St. Cloud, FL 34772

$210,000

2 bd · 2.0 ba · 1,516 sqft · Manufactured public records · 20 Days on market

Built 1989 8,015 sqft lot Est $240k · 12% under $120/mo HOA · 5% of rent

---

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 +23.5/30.0
• ARV discount +13.0/15.0
• DSCR +7.5/10.0
• 1% rule +5.5/10.0
• Schools +3.6/10.0
• Rent growth +3.1/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

2 master suites in immaculate home. Stained glass cabinet doors, center isle in kitc hen & much more! Screened porch, mature landscaping on corner lot! Watch the black swan in the fish stocked pond.

Key facts

• Deeded land
• Flood zone x
• Oversized lot

Tags

• DEEDED LAND
• TEKA VILLAGE COMMUNITY
• OVERSIZED LOT
• EASY ACCESS TO ORLANDO
• LOW HOA
• FLOOD ZONE X

Property features AI

Finance

• Other: Unfurnished; Total living area approximately 1,516 square feet
• Financial info: Lease restrictions apply
• HOA & community: Homeowners association with monthly fee of $120 (association approval required); Community features include street lights; Senior community; Pets allowed

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Cable available; Broadband/high-speed internet available; Underground utilities; Fire hydrant on property
• Home design: Manufactured double-wide home; One story; Faces south
• Construction: Metal siding; Shingle roof; Pillar/post/pier foundation; Built on a 0.18-acre lot (approx. 86 x 103)
• Exterior features: Awning(s); Hurricane shutters; Rain gutters; Sidewalk

Interior

• Kitchen: Built-in oven; Cooktop; Dishwasher; Disposal; Exhaust fan; Microwave; Range hood; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air; Wall/window unit(s)
• Interior features: Ceiling fans; Kitchen and family room combined; Walk-in closet(s); Skylight(s); Blinds
• Laundry & utility: Washer; Dryer; Laundry room (outside)

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $210k.

Deal economics

• At list price, monthly cash flow is $391 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $210k).
• Recommended offer: $207k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.5% 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 (+2.3%/yr); 879 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $6k 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 20 days — a 2% lower offer ($207k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 21y 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 $128k; list at $210k implies a 64% 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 $206,850 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.05% ✓
• Cap rate: 8.52%
• Cash-on-cash: 7.97%
• DSCR: 1.35
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $239,528
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2494 Longpine Ln	0.22mi	2/2.0	1,495 (-1%)	9mo	$172,480	$115	80
2496 Longpine Ln	0.22mi	2/2.0	1,502 (-1%)	11mo	$211,850	$141	80
2472 Independence Ln	0.27mi	3/2.0 (+1)	1,502 (-1%)	8mo	$241,000	$160	74
2520 Longpine Ln	0.12mi	2/2.0	1,296 (-14%)	13mo	$230,000	$177	59
4703 Lanca Ln	0.22mi	2/2.0	1,296 (-14%)	8mo	$205,000	$158	59

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 · 2.3% rent growth · sell at horizon

5-year hold

• IRR: -4.9%
• Equity multiple: 0.82×
• Total profit: $-10,724
• Equity at exit: $31,312

10-year hold

• IRR: 3.9%
• Equity multiple: 1.28×
• Total profit: $16,334
• Equity at exit: $18,157

Cash invested: $58,800 (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 34772

• Home prices YoY: -32.5%
• Rents YoY: 2.3%
• Active inventory: 879
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $2,212 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$48 /mo · $580/yr
• Insurance: −$88
• HOA: −$120
• Vacancy / Maint / Mgmt: −$465
• Net cashflow: $391

Break-even live

Break-even rent $1,718

Max offer price $210,000

Occupancy floor 77%

Sensitivity live

Price	-10% $509	-5% $450	+0% $391	+5% $331	+10% $272
Rent	-10% $216	-5% $303	+0% $391	+5% $478	+10% $565
Rate	-1.0pp $496	-0.5pp $444	base $391	+0.5pp $336	+1.0pp $281

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2478 Pine Chase Cir Saint Cloud, FL	3.0	2.0	1383	$2,310	$1.67	5d	1	0.49mi
4501 Burrowing Owl Loop Saint Cloud, FL	3.0	2.5	1560	$2,200	$1.41	18d	1	0.50mi
3221 Villa Way Cir Saint Cloud, FL	3.0	2.0	1370	$1,650	$1.20	25d	1	0.51mi
4536 Burrowing Owl Loop Saint Cloud, FL	3.0	2.5	1808	$2,650	$1.47	25d	1	0.54mi
4329 Eagle Trail Bnd Saint Cloud, FL	3.0	2.5	1560	$2,100	$1.35	23d	1	0.58mi
4469 Eagle Trail Bnd Saint Cloud, FL	3.0	2.5	1566	$2,200	$1.40	25d	1	0.64mi
4358 Restful Fallow Cv Saint Cloud, FL	3.0	2.5	1560	$2,300	$1.47	25d	1	0.67mi
4346 Restful Fallow Cv Saint Cloud, FL	3.0	2.5	1560	$2,300	$1.47	25d	1	0.67mi
2438 Pine Chase Cir Saint Cloud, FL	3.0	2.0	1482	$2,199	$1.48	4d	1	0.69mi
4367 Ranch House Rd Saint Cloud, FL	3.0	2.5	1560	$2,050	$1.31	25d	1	0.69mi
4348 Ranch House Rd Saint Cloud, FL	3.0	2.5	1808	$2,200	$1.22	25d	1	0.72mi
2850 Wadeview Loop Saint Cloud, FL	3.0	2.5	1875	$2,300	$1.23	25d	1	0.78mi
4240 Settlers Ct Saint Cloud, FL	3.0	2.0	1435	$2,300	$1.60	25d	1	0.79mi
3085 Soldier City Way Unit 202 St Cloud, FL	3.0	2.0	1125	$1,800	$1.60	25d	1	0.88mi
3075 Soldier City Way Unit 202 St Cloud, FL	3.0	2.0	1125	$1,800	$1.60	21d	1	0.88mi
3065 Soldier City Way Unit 202 St Cloud, FL	3.0	2.0	1125	$1,800	$1.60	21d	1	0.89mi
3100 Soldier City Way St Cloud, FL	3.0	2.0	1085	$1,875	$1.73	4d	6	0.91mi
4770 Capital Blvd Saint Cloud, FL	3.0	2.5	1926	$2,100	$1.09	25d	1	0.92mi
4651 Sidesaddle Trl Saint Cloud, FL	3.0	2.0	1695	$2,195	$1.29	18d	1	0.92mi
4848 Shady Pines Dr Saint Cloud, FL	3.0	2.0	1610	$2,400	$1.49	16d	1	1.00mi
3010 Camber Dr Saint Cloud, FL	1.0–2.0	1.0–2.0	1007	$1,971	$1.96	3d	18	1.03mi
4371 Vibernum Ave Unit A St Cloud, FL	3.0	2.0	1825	$2,400	$1.32	25d	1	1.07mi
4377 Vibernum Ave Unit A St Cloud, FL	3.0	2.0	1825	$2,400	$1.32	25d	1	1.07mi
4215 Red Bird Ave Saint Cloud, FL	3.0	2.0	1587	$2,395	$1.51	4d	1	1.10mi
3875 Knotty Pine St Saint Cloud, FL	3.0	2.5	1608	$2,150	$1.34	25d	1	1.11mi
5134 Arrowfeather Ct Saint Cloud, FL	3.0	2.0	1825	$2,350	$1.29	18d	1	1.15mi
5134 Arrowfeather Ct Unit A St Cloud, FL	3.0	2.0	1825	$2,350	$1.29	17d	1	1.15mi
5100 Clay Whaley Rd Unit 5100 St Cloud, FL	3.0	2.5	1823	$2,250	$1.23	25d	1	1.19mi
1800 Rufus King Dr Saint Cloud, FL	3.0	2.0	1895	$2,100	$1.11	3d	1	1.21mi
5172 Clay Whaley Rd Saint Cloud, FL	3.0	2.5	1823	$2,240	$1.23	14d	1	1.28mi
4988 Prairie Preserve Run Saint Cloud, FL	3.0	2.5	1354	$2,295	$1.69	25d	1	1.28mi
5174 Clay Whaley Rd Saint Cloud, FL	3.0	2.5	1664	$2,290	$1.38	25d	1	1.29mi
5176 Clay Whaley Rd Saint Cloud, FL	3.0	2.5	1664	$2,350	$1.41	23d	1	1.29mi
5191 Loyalty Dr Saint Cloud, FL	3.0	2.5	1782	$2,250	$1.26	25d	1	1.29mi
5000 Revolutionary Way Saint Cloud, FL	3.0	2.5	1373	$2,100	$1.53	25d	1	1.40mi
5080 Revolutionary Way Saint Cloud, FL	3.0	2.5	1365	$2,350	$1.72	25d	1	1.41mi
3557 Sanctuary Dr Saint Cloud, FL	3.0	2.5	1700	$2,100	$1.24	18d	1	1.47mi

HOA detail

• Monthly dues: $120 · $1,440/yr
• Likely covers: landscaping

Listing history 15 events

1. 2026-06-21
   days on market $210,000 Active 20 DOM
2. 2026-06-18
   price $210,000 Active 17 DOM
3. 2026-06-18
   days on market $220,000 Active 17 DOM
4. 2026-06-17
   days on market $220,000 Active 16 DOM
5. 2026-06-16
   days on market $220,000 Active 15 DOM
6. 2026-06-15
   days on market $220,000 Active 14 DOM
7. 2026-06-13
   days on market $220,000 Active 12 DOM
8. 2026-06-13
   days on market $220,000 Active 11 DOM
9. 2026-06-09
   days on market $220,000 Active 8 DOM
10. 2026-06-08
    days on market $220,000 Active 7 DOM
11. 2026-06-07
    days on market $220,000 Active 6 DOM
12. 2026-06-04
    days on market $220,000 Active 3 DOM
13. 2026-06-03
    days on market $220,000 Active 2 DOM
14. 2026-06-02
    remarks 687-char remark
15. 2026-06-02
    listed $220,000 Active 1 DOM

ⓘ 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: $580 · $48/mo
• Projected year-2 tax: $1,743 · $145/mo
• Expected delta: +$1,163/yr (+$97/mo · 200.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 23% 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 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,547
• − Mortgage interest: −$11,763
• − Property taxes: −$580
• − Insurance: −$1,050
• − Repairs & maintenance: −$2,124
• − Management: −$2,124
• − HOA: −$1,440
• − Depreciation: −$6,109
• Taxable income: $1,357
• Est. tax owed @ 24.0%: −$326
• After-tax cash flow: $4,361/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): 35,390
• Household income: $97,868
• Rent vs Own: 17.2% rent · 82.8% own
• Severe rent burden: 443.0

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 44% Hispanic / Latino 44% Two or more races 19% Black 4% Asian 2%
• Hispanic origin (detail): Puerto Rican 20% Cuban 2% Dominican 6%
• Common ancestry: Lithuanian 2% Slovak 1% Iranian 1%
• Foreign-born: 18% · Canada, Jamaica
• Languages at home: 60% English-only · Spanish 36% German/W. Germanic 1% 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: ▼ -132.55%
• Current HPI: 274.6517
• Rent YoY: ▲ 2.30%
• 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

+1194.1% since first listed

4 events — show timeline

• 2026-06-01 Listed $220,000 Stellar MLS as Distributed by MLS Grid
• 2005-11-23 Sold (MLS) $127,900 Stellar MLS as Distributed by MLS Grid
• 2005-10-24 Listed $127,900 Stellar MLS as Distributed by MLS Grid
• 1989-06-01 Sold (Public Records) $17,000 Public Records

Property tax history

-0.4%/yr

Latest (2025): $580 · +2.0% YoY. Source: county tax records.