8125 Resort Village Dr #5403 · Hunters Creek, FL 32821

$159,700

2 bd · 2.0 ba · 1,060 sqft · Condo public records · 298 Days on market

Built 2007 $822/mo HOA · 38% of rent ↓ 38% since listing

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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).

• 1% rule +8.6/10.0
• ARV discount +7.5/15.0
• Cash flow +6.8/30.0
• Appreciation +5.1/10.0
• Schools +4.1/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Rent growth +1.7/5.0
• DSCR +1.0/10.0

Listing remarks

BEST-PRICED 2BR OPPORTUNITY IN LAKE BUENA VISTA RESORT Fully furnished 2-bedroom condo located minutes from Disney and Orlando’s top attractions. Positioned in a high-demand tourist corridor near major entertainment destinations and ongoing area developments. Aggressively priced for a quick sale. Seller motivated. Quick close available. Resort-style amenities include pool, spa, fitness center, and prime access to I-4 and SR 535. All information deemed reliable but not guaranteed. Buyer to independently verify all HOA, rental, and condominium details. No representations are made regarding income or future value.

Key facts

• Private balcony
• Pool area
• Granite countertops

Tags

• JACUZZI TUB
• GRANITE COUNTERTOPS
• PRIVATE BALCONY
• POOL AREA
• PIRATE SHIP WATER PLAYGROUND
• FULL-SERVICE UPSCALE SPA

Property features AI

Finance

• Other: Furnished; Road surface: Asphalt; Lot size about 0.02 acre (approx.); Living area about 1,060 square feet
• Financial info: Total annual fees $9,864; Lease restrictions: none noted; Property taxed (annual tax noted)
• HOA & community: HOA: Catalina Algarra; Monthly association fee of $822 (includes cable TV, internet, pool, structure and grounds maintenance, recreational facilities); Deed restrictions; Pool (community)

Exterior

• Utilities: Public water; Public sewer; Cable connected; Broadband/high-speed internet available; Public utilities
• Home design: Condo - Hotel; Residential property; Faces northwest; Single-level unit (one level); Located on 4th floor; 15-story building
• Construction: Concrete construction; Other roof; Slab foundation; Built on concrete (construction material)
• Exterior features: Balcony; Has spa

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Elevator
• Laundry & utility: Washer; Dryer; Inside laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $160k.

Deal economics

• At list price, monthly cash flow is $-250 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $116k (27.6% below list).
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $116k (27.6% below list) — sets the bar for cash-flow.
• Cap rate 4.4% vs local median 3.0% in Hunters Creek — 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 76/100 on livability (#222 in FL, #3,277 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, employment A; Watch: commute D, amenities F.
• 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.
• Zoned schools: Tangelo Park Elementary (math 17% / reading 17%, grade F, #2,121 of 2,144 statewide, top 99%, 457 students, 83% FRL); Freedom Middle (math 43% / reading 43%, grade D-, #331 of 571 statewide, top 59%, 1,159 students, 44% FRL); Freedom High (math 28% / reading 43%, grade F, #367 of 667 statewide, top 57%, 2,623 students, 53% FRL) — zoned schools at 60% FRL track the district average.
• Zoned-school proficiency averages 32% at this address vs 48% district-wide (-17 pts) — the specific schools serving this property underperform the Orange average; the district grade overstates school quality for this exact location.
• Market conditions: Rents falling (-3.2%/yr); 281 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); 8,053 units permitted in Orange County in 2024 (3,133 in 5+ unit buildings).
• This rent runs 38% of the median local income ($69k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $2k of equity ($1k loan paydown + $474 appreciation (0.3% local appreciation)).
• Orange County population projected at +52% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 298 days — a 12% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y ago; this cycle's ask has dropped $45k (22%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 38% of rent.

Recommended offer $115,609 (27.6% 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 298 days. Have you received any prior offers? Is the seller open to a 28% 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. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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?
9. 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.
10. 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.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.36% ✓
• Cap rate: 4.42%
• Cash-on-cash: -6.70%
• DSCR: 0.70
• GRM: 6.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

0.3% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -11.7%
• Equity multiple: 0.46×
• Total profit: $-24,139
• Equity at exit: $48,756

10-year hold

• IRR: -9.0%
• Equity multiple: 0.10×
• Total profit: $-40,322
• Equity at exit: $60,545

Cash invested: $44,716 (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 32821

• Home prices YoY: 0.1%
• Rents YoY: -3.2%
• Active inventory: 281
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $2,176 high
• Mortgage (P&I): −$837
• Tax from tax record: −$242 /mo · $2,908/yr
• Insurance: −$67
• HOA: −$822
• Vacancy / Maint / Mgmt: −$457
• Net cashflow: $-250

Break-even live

Break-even rent $2,492

Max offer price $115,609

Occupancy floor —

Sensitivity live

Price	-10% $-159	-5% $-204	+0% $-250	+5% $-295	+10% $-340
Rent	-10% $-421	-5% $-336	+0% $-250	+5% $-164	+10% $-78
Rate	-1.0pp $-169	-0.5pp $-209	base $-250	+0.5pp $-291	+1.0pp $-333

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: $39,925
• Closing costs: $4,791
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8097 Poinciana Blvd Orlando, FL	1.0–3.0	1.0–2.0	1075	$2,394	$2.23	0d	29	0.16mi
6011 Vineland Resort Way Orlando, FL	1.0–3.0	1.0–2.0	1082	$2,146	$1.98	0d	14	0.17mi
7261 Crossroads Garden Dr Orlando, FL	3.0	1.0–2.0	981	$2,280	$2.32	0d	20	0.32mi
14051 International Dr Orlando, FL	1.0–3.0	1.0–2.0	1115	$2,444	$2.19	0d	48	0.51mi
3285 Peace Pipe Dr Kissimmee, FL	3.0	2.0	1377	$1,900	$1.38	25d	1	0.58mi
4950 Lunar Ln Kissimmee, FL	3.0	1.0–3.0	981	$2,961	$3.02	0d	43	0.66mi
5270 Warrior Ln Kissimmee, FL	3.0	2.0	1123	$1,995	$1.78	25d	1	0.67mi
5212 Broken Arrow Dr Kissimmee, FL	3.0	2.0	1377	$2,250	$1.63	25d	1	0.76mi
14501 Gateway Point Cir Orlando, FL	1.0–4.0	1.0–2.0	1023	$1,849	$1.81	0d	19	0.79mi
3251 Prime Park Cir Kissimmee, FL	1.0–3.0	1.0–2.0	1020	$2,096	$2.05	0d	21	0.91mi
5316 Barefoot Path Kissimmee, FL	3.0	2.0	1410	$2,100	$1.49	25d	1	0.92mi
4865 Big Pine Loop Kissimmee, FL	3.0	1.0–2.0	1023	$2,955	$2.89	16d	127	0.92mi
4865 Big Pine Loop Kissimmee, FL	3.0	1.0–2.0	1023	$2,827	$2.76	4d	320	0.92mi
5279 Images Cir #207 Kissimmee, FL	2.0	1.0	774	$979	$1.26	25d	1	1.06mi
5087 Dominica Dr Kissimmee, FL	2.0	2.5	1304	$1,650	$1.27	25d	1	1.07mi
4741 Clock Tower Dr #107 Kissimmee, FL	2.0	2.0	1186	$2,800	$2.36	25d	1	1.07mi
5095 Dominica Dr Kissimmee, FL	2.0	3.0	1304	$2,400	$1.84	0d	1	1.08mi
5095 Dominica Dr Kissimmee, FL	2.0	3.0	1304	$2,400	$1.84	12d	1	1.08mi
3087 Seaview Castle Dr Unit 1549038P Kissimmee, FL	3.0	3.0	1463	$3,742	$2.56	4d	1	1.09mi
4701 Luminous Loop Kissimmee, FL	1.0–3.0	1.0–2.0	973	$1,978	$2.03	0d	34	1.09mi
5283 Images Cir #304 Kissimmee, FL	2.0	2.0	969	$1,600	$1.65	12d	1	1.09mi
5283 Images Cir #304 Kissimmee, FL	2.0	2.0	969	$1,600	$1.65	25d	1	1.09mi
5116 Dominica Dr Kissimmee, FL	3.0	3.0	1394	$2,100	$1.51	0d	1	1.11mi
3111 Paradox Cir Unit 1018148P Kissimmee, FL	3.0	2.0	1184	$3,391	$2.86	0d	1	1.12mi
5002 Mangrove Aly #104 Kissimmee, FL	2.0	2.0	1066	$1,749	$1.64	12d	1	1.12mi
4721 Clock Tower Dr Unit 1359866P Kissimmee, FL	2.0	2.0	1184	$3,280	$2.77	3d	1	1.13mi
5299 Images Cir Kissimmee, FL	1.0–3.0	1.0–3.0	1027	$1,592	$1.55	0d	14	1.14mi
3120 Paradox Cir #108 Kissimmee, FL	3.0	2.0	1329	$2,600	$1.96	25d	1	1.17mi
5404 Paradise Cay Cir Kissimmee, FL	3.0	2.5	1364	$2,000	$1.47	25d	1	1.18mi
3191 Paradox Cir Unit 205 Kissimmee, FL	2.0	2.5	1126	$2,500	$2.22	25d	1	1.20mi
2954 Sadina St Kissimmee, FL	2.0	2.5	885	$1,500	$1.69	4d	2	1.20mi
8815 Worldquest Blvd #2403 Orlando, FL	2.0	2.0	1178	$2,100	$1.78	19d	1	1.20mi
3171 Paradox Cir Unit 1UNIT 103 Kissimmee, FL	2.0	2.0	1181	$2,250	$1.91	25d	1	1.23mi
5492 Paradise Cay Cir Kissimmee, FL	3.0	3.0	1337	$2,200	$1.65	25d	1	1.24mi
3151 Paradox Cir Unit 1UNIT 202 Kissimmee, FL	2.0	2.0	1181	$2,700	$2.29	25d	1	1.26mi
5311 Paradise Cay Cir Kissimmee, FL	3.0	3.0	1187	$1,700	$1.43	9d	1	1.26mi
15050 Ember Springs Cir Orlando, FL	1.0–3.0	1.0–3.0	1066	$1,938	$1.82	0d	29	1.27mi
1110 Spaceport Ct Kissimmee, FL	2.0	2.0	1052	$2,000	$1.90	25d	1	1.28mi
1024 Baseball and Boardwalk Ct Kissimmee, FL	2.0	2.0	1052	$2,000	$1.90	25d	1	1.31mi
2904 Edenshire Way #106 Kissimmee, FL	3.0	2.0	1300	$2,650	$2.04	25d	1	1.37mi

HOA detail condo

• Monthly dues: $822 · $9,864/yr
• Likely covers: poolgym
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 27 events

1. 2026-06-21
   days on market $159,700 Active 298 DOM
2. 2026-06-18
   days on market $159,700 Active 295 DOM
3. 2026-06-17
   days on market $159,700 Active 294 DOM
4. 2026-06-16
   days on market $159,700 Active 293 DOM
5. 2026-06-15
   days on market $159,700 Active 292 DOM
6. 2026-06-13
   days on market $159,700 Active 290 DOM
7. 2026-06-13
   days on market $159,700 Active 289 DOM
8. 2026-06-09
   days on market $159,700 Active 286 DOM
9. 2026-06-08
   days on market $159,700 Active 285 DOM
10. 2026-06-07
    days on market $159,700 Active 284 DOM
11. 2026-06-04
    days on market $159,700 Active 281 DOM
12. 2026-06-03
    days on market $159,700 Active 280 DOM
13. 2026-06-02
    days on market $159,700 Active 279 DOM
14. 2026-06-02
    days on market $159,700 Active 278 DOM
15. 2026-05-31
    days on market $159,700 Active 277 DOM
16. 2026-04-06
    price $159,700
17. 2026-03-03
    price $169,700
18. 2026-03-03
    price $169,900
19. 2026-02-16
    price $184,900
20. 2026-02-02
    price $189,000
21. 2026-02-02
    status Active
22. 2026-01-28
    historical
23. 2025-11-21
    price $202,000
24. 2025-08-22
    listed $205,000 Active
25. 2021-04-06
    soldstatus $246,000
26. 2019-08-15
    historical
27. 2019-06-05
    listed $259,000 Active

ⓘ 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: $2,908 · $242/mo
• Projected year-2 tax: $2,908 · $242/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Taxation est. · year 1

• Rental income: $26,108
• − Mortgage interest: −$8,946
• − Property taxes: −$2,908
• − Insurance: −$798
• − Repairs & maintenance: −$2,089
• − Management: −$2,089
• − HOA: −$9,864
• − Depreciation: −$4,646
• Taxable loss: −$5,231
• Est. tax savings @ 24.0%: +$1,256
• After-tax cash flow: $-1,740/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 — Hunters Creek

• Score: 76/100
• State rank: #222
• US rank: #3277

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Orange County · 1,471,359 people
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 26,161
• Household income: $69,348
• Rent vs Own: 68.3% rent · 31.7% own
• Severe rent burden: 1840.0

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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 43% Hispanic / Latino 41% Two or more races 19% Black 6% Asian 3% Pacific Islander 1% Native American 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 11% Cuban 1% Dominican 4%
• Common ancestry: Romanian 3% Lithuanian 2% Estonian 2%
• Foreign-born: 29% · Canada, Jamaica, China
• Languages at home: 58% English-only · Spanish 32% Other Indo-European 4% Other Asian/Pacific 2%

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: ▲ 0.30%
• Current HPI: 300.2268
• Rent YoY: ▼ -3.20%
• 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

-38.3% since first listed

12 events — show timeline

• 2026-04-06 Price Changed $159,700 Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Price Changed $169,700 Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Price Changed $169,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-16 Price Changed $184,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-02 Price Changed $189,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-28 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-11-21 Price Changed $202,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-22 Listed $205,000 Stellar MLS as Distributed by MLS Grid
• 2021-04-06 Sold (Public Records) $246,000 Public Records
• 2019-08-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2019-06-05 Listed $259,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.6%/yr

Latest (2025): $2,908 · -1.8% YoY. Source: county tax records.