1545 Still Dr · Four Corners, FL 34714

$269,900

3 bd · 2.0 ba · 1,494 sqft · SingleFamily public records · 195 Days on market

Built 2007 1,350 sqft lot Est $333k · 19% under $350/mo HOA · 14% of rent ↓ 41% since listing

---

Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• Cash flow +9.0/30.0
• Appreciation +4.8/10.0
• 1% rule +4.5/10.0
• Schools +4.2/10.0
• Livability +3.5/5.0
• DSCR +2.5/10.0
• Condition / age +2.5/5.0
• Rent growth +1.6/5.0

Listing remarks MLS

Great Investment opportunity! Beautiful townhome in an awesome location. Located 10miles from Disney, this can be your forever home or can be used as a vacation rental or long term rental. The possibilities are endless. This townhome is located in the beautiful community of SERENITY AT SILVER CREEK and offers 3 bedrooms, 3 bathrooms with its own private pool as well as a community pool. Private pool has its own screen-in porch and on the second floor you will find a balcony to enjoy the Florida sunset. Low HOA includes water, exterior maintenance, resort pool and clubhouse with fitness and game room. Close to shopping, attractions and major highways.

Key facts

• Private balcony
• Private splash pool
• Screened in patio

Tags

• CONVENIENT BREAKFAST BAR
• PRIVATE BALCONY
• SCREENED IN PATIO
• PRIVATE SPLASH POOL
• PEACEFUL CONSERVATION BACKDROP
• RESORT STYLE AMENITIES

Property features AI

Finance

• Other: Unit is furnished; Living area reported as 1,494 (source: appraiser); Universal property identifier available
• Financial info: Total annual HOA fees reported as $4,200; Lease restrictions not indicated; Tax details and other financial specifics excluded
• HOA & community: HOA managed by premier management; Monthly HOA fee of $350; HOA covers private road, trash and water; Community amenities include clubhouse, community mailbox, dog park, fitness center, pool and sidewalks; Pets allowed

Exterior

• Parking: Parking details not specified
• Security: Security details not specified
• Utilities: Public sewer; Cable available; Public utilities; No water source specified
• Home design: Townhouse; Residential property; Two stories; Faces west; Entry level information not specified
• Construction: Brick construction; Shingle roof; Slab foundation; Built on Lot ~0.03 acres
• Exterior features: Balcony; Sidewalk; Sliding doors; In-ground private pool

Interior

• Kitchen: Dishwasher; Range; Refrigerator; Disposal
• Bedrooms: 3 bedrooms
• Flooring: Vinyl
• Bathrooms: 3 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Kitchen/family room combo; Programmable thermostat
• Laundry & utility: Laundry closet; Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $270k.

Deal economics

• At list price, monthly cash flow is $-210 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $233k (13.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $255k (5.4% below list).
• Recommended offer: $233k (13.8% below list) — sets the bar for cash-flow.
• Cap rate 5.4% vs local median 3.2% in Four Corners — 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 69/100 on livability (#453 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A-; Watch: schools F, amenities F, health & safety F.
• Lake (suburban): math 49% / reading 50% proficiency, ranked #37 of 73 in FL (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents falling (-3.5%/yr); 716 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,799 units permitted in Lake County in 2024 (814 in 5+ unit buildings).
• This rent runs 41% of the median local income ($75k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $975 of equity ($2k loan paydown + $-891 appreciation (-0.3% local appreciation)).
• Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 195 days — a 12% lower offer ($238k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 13y ago; this cycle's ask has dropped $25k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $232,721 (13.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 195 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.95% ✗
• Cap rate: 5.36%
• Cash-on-cash: -3.34%
• DSCR: 0.85
• GRM: 8.8

CMA / ARV

• ARV (on-the-fly): $333,162
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
16804 Rising Star Dr	0.75mi	4/3.0 (+1)	1,647 (+10%)	5mo	$300,000	$182	35
1102 Woodflower Way	0.65mi	3/2.5	1,660 (+11%)	20mo	$370,000	$223	32

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.33% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -9.7%
• Equity multiple: 0.57×
• Total profit: $-32,680
• Equity at exit: $73,947

10-year hold

• IRR: -6.1%
• Equity multiple: 0.43×
• Total profit: $-42,795
• Equity at exit: $85,430

Cash invested: $75,572 (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 34714

• Home prices YoY: -0.1%
• Rents YoY: -3.5%
• Active inventory: 716
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $2,553 high
• Mortgage (P&I): −$1,415
• Tax from tax record: −$350 /mo · $4,198/yr
• Insurance: −$112
• HOA: −$350
• Vacancy / Maint / Mgmt: −$536
• Net cashflow: $-210

Break-even live

Break-even rent $2,820

Max offer price $232,721

Occupancy floor —

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: $67,475
• Closing costs: $8,097
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
17522 Placidity Ave Clermont, FL	3.0	3.0	1512	$2,400	$1.59	23d	1	0.04mi
17440 Placidity Ave Clermont, FL	3.0	3.0	1501	$2,500	$1.67	11d	1	0.05mi
17422 Serenidad Blvd Clermont, FL	3.0	3.0	1854	$2,800	$1.51	23d	1	0.07mi
17410 Serenidad Blvd Clermont, FL	4.0	3.0	1845	$2,450	$1.33	21d	1	0.08mi
17417 Placidity Ave Clermont, FL	3.0	3.0	1501	$2,650	$1.77	23d	1	0.09mi
17517 Blessing Dr Clermont, FL	3.0	3.0	1494	$2,200	$1.47	23d	1	0.12mi
17314 Serenidad Blvd Unit 1340347P Clermont, FL	3.0	3.0	1496	$5,750	$3.84	2d	1	0.14mi
17350 Blessing Dr Clermont, FL	3.0	3.0	1852	$2,600	$1.40	17d	1	0.24mi
17442 Hidden Forest Dr Clermont, FL	3.0	3.0	1852	$2,000	$1.08	20d	1	0.27mi
1421 Retreat Cir Clermont, FL	3.0	2.0	1512	$2,400	$1.59	21d	1	0.27mi
1641 Retreat Cir Clermont, FL	3.0	2.0	1512	$2,099	$1.39	23d	1	0.27mi
1400 Peaceful Nature Way Clermont, FL	3.0	3.0	1852	$2,400	$1.30	20d	1	0.29mi
1385 Peaceful Nature Way Clermont, FL	3.0	3.0	1852	$3,200	$1.73	23d	1	0.32mi
1389 Peaceful Nature Way Unit 1244727P Clermont, FL	3.0	3.0	1851	$5,258	$2.84	1d	1	0.33mi
1387 Peaceful Nature Way Clermont, FL	3.0	3.0	1855	$2,600	$1.40	20d	1	0.33mi
1411 Serendipity Ln Clermont, FL	3.0	2.5	1853	$2,950	$1.59	20d	1	0.36mi
17216 Blessing Dr Clermont, FL	3.0	3.0	1854	$2,400	$1.29	17d	1	0.36mi
1308 Whitewood Way Clermont, FL	4.0	2.0	1861	$2,295	$1.23	12d	1	0.53mi
953 Rivers Crossing St Clermont, FL	4.0	2.0	1678	$2,550	$1.52	17d	1	0.57mi
17100 Woodcrest Way Clermont, FL	3.0	2.0	1770	$2,125	$1.20	3d	1	0.58mi
1201 Cedarwood Way Clermont, FL	3.0	2.0	1245	$2,150	$1.73	23d	1	0.62mi
833 Rivers Crossing St Clermont, FL	4.0	2.0	1580	$2,283	$1.44	4d	1	0.72mi
16803 Sarahs Pl Clermont, FL	1.0–3.0	1.0–2.0	895	$1,803	$2.01	1d	21	0.72mi
1305 Raintree Bnd Clermont, FL	2.0–4.0	2.0	1125	$1,619	$1.44	4d	9	0.74mi
10903 Rushwood Way Clermont, FL	3.0	2.0	1580	$2,320	$1.47	23d	1	0.74mi
17177 Cagan Crossings Blvd Clermont, FL	3.0	2.0	1483	$2,500	$1.69	23d	1	0.82mi
13335 Peaceful Melody Dr Winter Garden, FL	3.0	3.0	1715	$2,650	$1.55	17d	1	0.86mi
17345 Cagan Crossings Blvd Clermont, FL	3.0	2.0	1269	$2,195	$1.73	12d	1	1.07mi
16520 Windsor Cay Blvd Clermont, FL	1.0–2.0	1.0–2.0	1128	$2,286	$2.03	1d	17	1.12mi
15883 Tollington Aly Winter Garden, FL	3.0	2.5	1850	$2,950	$1.59	14d	1	1.14mi
15883 Tollington Aly Winter Garden, FL	3.0	2.5	1850	$2,950	$1.59	4d	1	1.14mi
16400 Nelson Park Dr Clermont, FL	1.0–3.0	1.0–2.0	920	$1,797	$1.95	3d	17	1.15mi
16436 Happy Eagle Dr Clermont, FL	3.0	2.5	1485	$2,100	$1.41	23d	1	1.16mi
17800 Sawgrass Bay Blvd Clermont, FL	1.0–3.0	1.0–2.0	1002	$2,380	$2.38	1d	25	1.20mi
16423 Happy Eagle Dr Clermont, FL	3.0	2.5	1485	$2,250	$1.52	4d	1	1.20mi
16419 Happy Eagle Dr Clermont, FL	3.0	2.5	1485	$2,100	$1.41	23d	1	1.21mi
12118 Plumpton Dr Winter Garden, FL	3.0	2.5	1567	$2,750	$1.75	23d	1	1.22mi
15769 Tollington Aly Winter Garden, FL	3.0	2.5	1850	$2,750	$1.49	16d	1	1.23mi
16368 Happy Eagle Dr Clermont, FL	3.0	2.5	1485	$2,190	$1.47	23d	1	1.24mi
145 Town Center Blvd Clermont, FL	1.0–3.0	1.0–3.0	1029	$2,290	$2.22	2d	22	1.26mi

HOA detail

• Monthly dues: $350 · $4,200/yr
• Likely covers: waterexterior maint.pool

Listing history 28 events

1. 2026-06-18
   days on market $269,900 Active 195 DOM
2. 2026-06-17
   days on market $269,900 Active 194 DOM
3. 2026-06-16
   days on market $269,900 Active 193 DOM
4. 2026-06-15
   days on market $269,900 Active 192 DOM
5. 2026-06-13
   days on market $269,900 Active 190 DOM
6. 2026-06-09
   days on market $269,900 Active 186 DOM
7. 2026-06-08
   days on market $269,900 Active 185 DOM
8. 2026-06-07
   pricedays on market $269,900 Active 184 DOM
9. 2026-06-04
   days on market $279,900 Active 181 DOM
10. 2026-06-03
    days on market $279,900 Active 180 DOM
11. 2026-06-02
    days on market $279,900 Active 179 DOM
12. 2026-06-02
    days on market $279,900 Active 178 DOM
13. 2026-05-31
    days on market $279,900 Active 177 DOM
14. 2026-05-04
    price $279,900
15. 2026-03-18
    price $290,000
16. 2026-02-16
    status Active
17. 2026-01-31
    historical
18. 2025-11-14
    listed $295,000 Active
19. 2023-09-01
    historical $2,400
20. 2023-08-24
    price $2,400
21. 2023-08-20
    listed $2,700
22. 2022-12-30
    soldstatus $275,000 Closed 658-char remark

    Show marketing remark (658 chars)

    Great Investment opportunity! Beautiful townhome in an awesome location. Located 10miles from Disney, this can be your forever home or can be used as a vacation rental or long term rental. The possibilities are endless. This townhome is located in the beautiful community of SERENITY AT SILVER CREEK and offers 3 bedrooms, 3 bathrooms with its own private pool as well as a community pool. Private pool has its own screen-in porch and on the second floor you will find a balcony to enjoy the Florida sunset. Low HOA includes water, exterior maintenance, resort pool and clubhouse with fitness and game room. Close to shopping, attractions and major highways.

23. 2022-11-29
    status Pending 658-char remark

    Show marketing remark (658 chars)

    Great Investment opportunity! Beautiful townhome in an awesome location. Located 10miles from Disney, this can be your forever home or can be used as a vacation rental or long term rental. The possibilities are endless. This townhome is located in the beautiful community of SERENITY AT SILVER CREEK and offers 3 bedrooms, 3 bathrooms with its own private pool as well as a community pool. Private pool has its own screen-in porch and on the second floor you will find a balcony to enjoy the Florida sunset. Low HOA includes water, exterior maintenance, resort pool and clubhouse with fitness and game room. Close to shopping, attractions and major highways.

24. 2022-11-02
    listed $310,000 Active 658-char remark

    Show marketing remark (658 chars)

    Great Investment opportunity! Beautiful townhome in an awesome location. Located 10miles from Disney, this can be your forever home or can be used as a vacation rental or long term rental. The possibilities are endless. This townhome is located in the beautiful community of SERENITY AT SILVER CREEK and offers 3 bedrooms, 3 bathrooms with its own private pool as well as a community pool. Private pool has its own screen-in porch and on the second floor you will find a balcony to enjoy the Florida sunset. Low HOA includes water, exterior maintenance, resort pool and clubhouse with fitness and game room. Close to shopping, attractions and major highways.

25. 2013-10-03
    soldstatus $102,500
26. 2013-09-30
    soldstatus $102,500 488-char remark

    Show marketing remark (488 chars)

    This attractive townhouse boasts three bedrooms, each with their own bathroom, a large balcony off the master bedroom, a kitchen with all appliances, a living room leading out onto the spacious screened terrace where the plunge pool invites you to cool off! This property is located just a few miles from Disney world, with all amenities close by. It makes a wonderful vacation home (short term rental is permitted), but is also ideal as a primary residence or as an investment property.

27. 2013-03-07
    listed $105,000 488-char remark

    Show marketing remark (488 chars)

    This attractive townhouse boasts three bedrooms, each with their own bathroom, a large balcony off the master bedroom, a kitchen with all appliances, a living room leading out onto the spacious screened terrace where the plunge pool invites you to cool off! This property is located just a few miles from Disney world, with all amenities close by. It makes a wonderful vacation home (short term rental is permitted), but is also ideal as a primary residence or as an investment property.

28. 2012-01-04
    soldstatus $475,000

ⓘ 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: $4,198 · $350/mo
• Projected year-2 tax: $4,198 · $350/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,641
• − Mortgage interest: −$15,119
• − Property taxes: −$4,198
• − Insurance: −$1,350
• − Repairs & maintenance: −$2,451
• − Management: −$2,451
• − HOA: −$4,200
• − Depreciation: −$7,852
• Taxable loss: −$6,979
• Est. tax savings @ 24.0%: +$1,675
• After-tax cash flow: $-851/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: Lake
• NCES district ID: 1201050
• Math proficiency: 49% ▼ -7.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $46,632
• Composite: 42.05/100
• National rank: #3327
• State rank: #37 of 73 in FL

Livability — Four Corners

• Score: 69/100
• State rank: #453
• US rank: #8218

Category grades

Amenities F Commute C+ Cost of living A- Crime B- Employment C Housing A+ Health & safety F User ratings A-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Four Corners, FL
• County: Lake County · 364,602 people
• City population: 27,422
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 28,200
• Household income: $75,392
• Rent vs Own: 49.3% rent · 50.7% own
• Severe rent burden: 953.0

Population outlook (Lake County) Hauer SSP2

• Today (2025): 386,640 people
• By 2030: 417,107 · +7.9%
• By 2040: 476,676 · +23.3%
• By 2050: 531,296 · +37.4%
• By 2075: 648,303 · +67.7%
• By 2100: 698,530 · +80.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 56% Hispanic / Latino 30% Two or more races 25% Black 6% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 17% Dominican 2%
• Common ancestry: Romanian 3% Lithuanian 3% Italian 2%
• Foreign-born: 13% · Canada, Jamaica
• Languages at home: 76% English-only · Spanish 19% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Lake

• 2024 margin: Strong R (+24.7) · D 37.3% · R 62.0%
• 2008→2024 swing: -11.2pp toward R · 2008: -13.5pp · 2024: -24.7pp
• All cycles: 2024: R+24.7 2020: R+20.0 2016: R+23.1 2012: R+17.1 2008: R+13.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.33%
• Current HPI: 256.1331
• Rent YoY: ▼ -3.46%
• 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

-41.1% since first listed

15 events — show timeline

• 2026-05-04 Price Changed $279,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-18 Price Changed $290,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-11-14 Listed $295,000 Stellar MLS as Distributed by MLS Grid
• 2023-09-01 Rental Removed $2,400 STELLARMLS
• 2023-08-24 Price Changed $2,400 STELLARMLS
• 2023-08-20 Listed for Rent $2,700 STELLARMLS
• 2022-12-30 Sold (MLS) $275,000 Stellar MLS as Distributed by MLS Grid
• 2022-11-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-11-02 Listed $310,000 Stellar MLS as Distributed by MLS Grid
• 2013-10-03 Sold (Public Records) $102,500 Public Records
• 2013-09-30 Sold (MLS) $102,500 Stellar MLS as Distributed by MLS Grid
• 2013-03-07 Listed $105,000 Stellar MLS as Distributed by MLS Grid
• 2012-01-04 Sold (Public Records) $475,000 Public Records

Property tax history

+10.0%/yr

Latest (2025): $4,198 · -7.4% YoY. Source: county tax records.