4218 Crossen Dr · Orlando, FL 32822

$5,000

4 bd · 1.0 ba · 1,368 sqft · SingleFamily public records · 7 Days on market

Built 1970 8,276 sqft lot

---

Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +5.7/30.0
• Livability +4.3/5.0
• Schools +4.1/10.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• 1% rule +1.2/10.0
• DSCR +0.1/10.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends May 27, 2026 at 11:00 AM EST. Explore this charming 4-bedroom, 1-bath residence set in a peaceful and well-located Orlando community. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa Home App.

Key facts

• 8,276 sq ft lot
• Built 1970
• Listed 7 days

Property features AI

Finance

• Other: Zoning: R-1

Exterior

• Parking: Driveway; On-street parking
• Utilities: Other water source; Other sewer
• Home design: Single-family residence; One-story
• Construction: Construction materials: see remarks; Other roof
• Exterior features: Front porch

Interior

• Flooring: Other flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: No heating; No cooling
• Interior features: One total room; Other flooring

🔨 Auction listing. The $5,000 list price is a nominal opening bid, not a real ask — every metric below is computed on the estimated value $363,888 (ARV from comps), not the list price.

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $-1k ($-14k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $5k).
• Cap rate 3.9% vs local median 3.0% in Orlando — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 86/100 on livability (#12 in FL, #360 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+.
• Orange (suburban): math 46% / reading 51% proficiency, ranked #43 of 73 in FL (top 59%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.7%/yr); 378 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 8,053 units permitted in Orange County in 2024 (3,133 in 5+ unit buildings).
• At $2,246/mo this rent would consume 48% of the median local household income ($57k/yr) (locally 4246% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
• Orange County population projected at +52% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 109.2% of price; flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $5,000

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. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.62% ✗
• Cap rate: 3.85%
• Cash-on-cash: -8.72%
• DSCR: 0.61
• GRM: 13.5

CMA / ARV

• ARV (on-the-fly): $363,888
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8339 Fort Thomas Way	0.41mi	3/2.0 (-1)	1,408 (+3%)	2mo	$375,000	$266	65
4118 Anthony Ln	0.20mi	4/2.0	1,170 (-14%)	4mo	$309,000	$264	59
4021 Spring Breeze Dr	0.61mi	3/2.0 (-1)	1,344 (-2%)	3mo	$415,000	$309	57
3904 Pintail Ct	0.54mi	4/1.5	1,468 (+7%)	6mo	$330,000	$225	56
8310 Fort Thomas Way	0.44mi	3/2.0 (-1)	1,324 (-3%)	14mo	$373,000	$282	54
3840 Cedarwaxwing Ave	0.59mi	4/1.5	1,482 (+8%)	13mo	$327,000	$221	45
7924 Coot St	0.68mi	4/2.0	1,306 (-4%)	14mo	$375,000	$287	45
8222 Sumpter Ct	0.59mi	3/2.0 (-1)	1,226 (-10%)	6mo	$362,500	$296	41
3830 Spring Breeze Dr	0.73mi	3/2.0 (-1)	1,470 (+8%)	5mo	$365,000	$248	40
8136 Strada Dr	0.66mi	3/2.0 (-1)	1,506 (+10%)	7mo	$350,000	$232	37
4039 Amron Dr	0.51mi	3/2.0 (-1)	1,168 (-15%)	10mo	$205,000	$176	34
8322 Cascade Oaks Dr	0.63mi	3/2.0 (-1)	1,209 (-12%)	13mo	$342,000	$283	32

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -46.3%
• Equity multiple: -0.37×
• Total profit: $-139,566
• Equity at exit: $54,257

10-year hold

• IRR: —
• Equity multiple: -1.37×
• Total profit: $-241,460
• Equity at exit: $31,462

Cash invested: $101,889 (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 32822

• Home prices YoY: -21.1%
• Rents YoY: -0.7%
• Active inventory: 378
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,246 high
• Mortgage (P&I): −$1,908
• Tax est. 1.5%: −$455 /mo · $5,458/yr
• Insurance: −$152
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$472
• Net cashflow: $-1,167

Break-even live

Break-even rent $3,723

Max offer price $195,050

Occupancy floor —

Sensitivity live

Price	-10% $-915	-5% $-1,041	+0% $-1,167	+5% $-1,293	+10% $-1,418
Rent	-10% $-1,344	-5% $-1,256	+0% $-1,167	+5% $-1,078	+10% $-989
Rate	-1.0pp $-984	-0.5pp $-1,074	base $-1,167	+0.5pp $-1,261	+1.0pp $-1,357

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: $90,972
• Closing costs: $10,917
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4233 Anthony Ln Orlando, FL	3.0	1.0	1210	$1,925	$1.59	15d	1	0.20mi
4117 Berkshire Bay Ct Orlando, FL	3.0	2.0	1075	$2,026	$1.88	9d	1	0.53mi
8467 Fort Thomas Way Orlando, FL	3.0	2.0	1646	$2,300	$1.40	5d	1	0.59mi
8562 Fort Thomas Way Orlando, FL	3.0	2.0	1408	$2,540	$1.80	4d	1	0.68mi
6898 Tussilago Way Orlando, FL	3.0	2.5	1648	$2,250	$1.37	25d	1	0.70mi
8581 Fort Thomas Way Orlando, FL	4.0	2.5	1659	$2,450	$1.48	25d	1	0.71mi
9176 Fort Jefferson Blvd Orlando, FL	3.0	2.0	1288	$2,349	$1.82	23d	1	0.73mi
6791 Tussilago Way Orlando, FL	3.0	2.5	1648	$2,295	$1.39	25d	1	0.74mi
7528 Marbella Pointe Dr Orlando, FL	1.0–4.0	1.0–3.0	1141	$2,209	$1.94	3d	22	0.85mi
3049 Jon Jon Ct Orlando, FL	3.0	2.0	1050	$1,995	$1.90	25d	1	0.89mi
6960 Gibraltar Rd Orlando, FL	3.0	2.0	1383	$1,500	$1.08	25d	1	0.90mi
3228 Curry Woods Cir #2 Orlando, FL	3.0	2.0	1447	$2,321	$1.60	9d	1	0.90mi
2813 Whippet Ct Orlando, FL	3.0	2.0	1368	$2,349	$1.72	4d	1	0.93mi
7931 Thrippence Ln Orlando, FL	3.0	2.0	1225	$2,000	$1.63	25d	1	1.03mi
5812 Stafford Springs Trl Orlando, FL	3.0	2.0	1457	$2,540	$1.74	9d	1	1.09mi
5812 Stafford Springs Trl Orlando, FL	3.0	2.0	1457	$2,540	$1.74	17d	1	1.09mi
7870 Pine Fork Dr Orlando, FL	3.0	2.0	1119	$2,223	$1.99	23d	1	1.13mi
7416 Lago De Oro Unit 2-A-3 Orlando, FL	3.0	2.0	1000	$1,950	$1.95	25d	1	1.13mi
7416 Lago De Oro Unit A-6 Orlando, FL	3.0	2.0	1000	$1,695	$1.70	16d	1	1.14mi
7855 Harbor Bend Cir Orlando, FL	3.0	2.0	1273	$2,580	$2.03	12d	1	1.15mi
7305 Marseille Cir Orlando, FL	3.0	2.0	1138	$2,199	$1.93	16d	1	1.18mi
7632 Harbor Lake Dr Orlando, FL	3.0	2.0	1292	$2,100	$1.63	12d	1	1.19mi
3003 Pigeon Hawk Ct Orlando, FL	3.0	2.5	1555	$2,650	$1.70	23d	1	1.27mi
6400 Narcoossee Rd Orlando, FL	1.0–3.0	1.0–2.0	977	$2,171	$2.22	3d	13	1.28mi
3950 Southpointe Dr #418 Orlando, FL	3.0	2.0	1226	$1,985	$1.62	17d	1	1.31mi
2454 Rio Pinar Lakes Blvd Orlando, FL	3.0	2.5	1208	$1,795	$1.49	21d	1	1.48mi
2454 Rio Pinar Lakes Blvd Orlando, FL	3.0	2.5	1336	$1,795	$1.34	25d	1	1.48mi

Listing history 2 events

1. 2026-05-19
   listed $5,000 Active
2. 2001-08-23
   soldstatus $89,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone AE · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 22 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: $26,954
• − Mortgage interest: −$20,383
• − Property taxes: −$5,458
• − Insurance: −$6,938
• − Repairs & maintenance: −$2,156
• − Management: −$2,156
• − Depreciation: −$10,586
• Taxable loss: −$20,724
• Est. tax savings @ 24.0%: +$4,974
• After-tax cash flow: $-9,028/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: Orange
• NCES district ID: 1201440
• Math proficiency: 46% ▼ -9.00%
• Reading proficiency: 51% ▼ -2.00%
• Median HH income: $49,350
• Composite: 41.47/100
• National rank: #3461
• State rank: #43 of 73 in FL

Livability — Orlando

• Score: 86/100
• State rank: #12
• US rank: #360

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Orange County · 1,471,359 people
• City population: 964,969
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 67,081
• Household income: $56,540
• Rent vs Own: 58.0% rent · 42.0% own
• Severe rent burden: 4246.0

Population outlook (Orange County) Hauer SSP2

• Today (2025): 1,618,226 people
• By 2030: 1,787,404 · +10.5%
• By 2040: 2,125,621 · +31.4%
• By 2050: 2,454,016 · +51.6%
• By 2075: 3,173,711 · +96.1%
• By 2100: 3,607,781 · +122.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (68%)
• Race & ethnicity: Hispanic / Latino 68% Two or more races 36% White 17% Black 10% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 38% Cuban 5% Dominican 5%
• Common ancestry: Lithuanian 1% Romanian 1% Slovak 1%
• Foreign-born: 27% · Canada, Jamaica, China
• Languages at home: 36% English-only · Spanish 60% French/Haitian/Cajun 1% Arabic 1%

Political lean MEDSL · Orange

• 2024 margin: D (+13.6) · D 56.1% · R 42.5% · Other 1.3%
• 2008→2024 swing: -5.0pp toward R · 2008: 18.6pp · 2024: 13.6pp
• All cycles: 2024: D+13.6 2020: D+23.1 2016: D+24.6 2012: D+18.2 2008: D+18.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.17%
• Current HPI: 355.5775
• Rent YoY: ▼ -0.68%
• 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

-94.4% since first listed

2 events — show timeline

• 2026-05-19 Listed $5,000 HAOR as distributed by MLS GRID
• 2001-08-23 Sold (Public Records) $89,900 Public Records

Property tax history

+8.7%/yr

Latest (2025): $3,732 · +10.8% YoY. Source: county tax records.