🏗️ New Construction
Plan 1573 Plan · Saint Cloud, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 6/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 8/10 · Major
- Hot days now (above 108°F)
- 6 days/yr
- Hot days in 30 yrs
- 20 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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 +5.6/30.0
- Schools +5.5/10.0
- Condition / age +4.0/5.0
- Rent growth +3.3/5.0
- Livability +2.5/5.0
- 1% rule +1.1/10.0
- DSCR +0.0/10.0
- Appreciation +0.0/10.0
$325,990
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
* Expansive great room * Kitchen nook * Powder bath * Walk-in closet at primary bedroom and bedroom 2 * Dual-sink vanity at primary bath * Stainless steel appliance package * Front porch * Open floor plan * Kitchen USB charging port * Dedicated laundry room * WaterSense® labeled faucets * ENERGY STAR® certified home * Planned pavilion * Planned tot lot * Planned walking paths * Outdoor recreation nearby * Close to family friendly parks * Commuter-friendly location
Key facts
- Walk-in closet
- Front porch
- Dual-sink vanity
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath single-family listed at $326k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-1k ($-15k/yr) — negative.
- To cash-flow at today's rent, offer at most $219k (33.0% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $245k (24.8% below list).
- Recommended offer: $219k (33.0% below list) — sets the bar for cash-flow.
Location & tenants
- Location reads: area grade F — 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.
- Zoned schools: Harmony Community School (math 70% / reading 64%, grade B+, #450 of 2,144 statewide, top 22%, 1,012 students, 38% FRL); Narcoossee Middle School (math 55% / reading 57%, grade B-, #175 of 571 statewide, top 31%, 1,371 students, 46% FRL); Harmony High School (math 40% / reading 46%, grade F, #255 of 667 statewide, top 39%, 2,822 students, 42% FRL) — zoned schools average 42% FRL vs 60% district-wide (18 pts lower); this property's tenant base skews higher-income than the district average.
- Zoned-school proficiency averages 55% at this address vs 42% district-wide (+13 pts) — the actual schools serving this property are materially stronger than the Osceola average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: Rents rising (+3.0%/yr); 1842 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).
- This rent runs 30% of the median local income ($97k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k 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 169 days — a 12% lower offer ($287k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: 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; major wildfire risk; extreme-heat days projected 6→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 169 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 0.61% ✗
- Cap rate
- 3.80%
- Cash-on-cash
- -8.89%
- DSCR
- 0.60
- GRM
- 13.6
CMA / ARV
- ARV (median comp)
- $400,361
- List price
- $325,990
- Delta
- -18.58%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2740 Barker Rd | 0.22mi | 3/2.0 | 1,572 (-0%) | 10mo | $450,000 | $286 | 80 |
| 2630 Barker Rd | 0.18mi | 3/1.5 | 1,680 (+7%) | 17mo | $640,000 | $381 | 62 |
| 2440 Crane Ct | 1.11mi | 3/2.0 | 1,635 (+4%) | 0mo | $418,000 | $256 | 56 |
| 6400 E Irlo Bronson Memorial Hwy | 0.30mi | 3/2.0 | 1,872 (+19%) | 7mo | $650,000 | $347 | 53 |
| 2795 Hamonia Hammock Rd | 1.02mi | 3/2.0 | 1,676 (+6%) | 5mo | $359,990 | $215 | 48 |
| 2909 Annalee Rd | 0.67mi | 4/2.0 (+1) | 1,695 (+8%) | 4mo | $375,000 | $221 | 45 |
| 2455 Bar Lou Ct | 0.86mi | 3/2.0 | 1,420 (-10%) | 5mo | $429,900 | $303 | 43 |
| 2555 Sandridge Ln | 0.88mi | 3/2.0 | 1,696 (+8%) | 13mo | $425,000 | $251 | 39 |
| 6445 Bay Shore Dr | 0.78mi | 3/2.0 | 1,792 (+14%) | 1mo | $435,000 | $243 | 39 |
| 2943 Annalee Rd | 0.78mi | 3/2.0 | 1,720 (+9%) | 14mo | $450,000 | $262 | 35 |
| 2810 Harmonia Hammock Rd | 1.01mi | 4/2.0 (+1) | 1,830 (+16%) | 3mo | $350,000 | $191 | 31 |
| 2839 Harmonia Hammock Rd | 1.07mi | 4/2.0 (+1) | 1,830 (+16%) | 9mo | $359,000 | $196 | 25 |
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 · 3.02% rent growth · sell at horizon
- IRR
- -41.4%
- Equity multiple
- -0.29×
- Total profit
- $-144,572
- Equity at exit
- $59,695
- IRR
- -67.7%
- Equity multiple
- -1.03×
- Total profit
- $-227,543
- Equity at exit
- $34,616
Cash invested: $112,101 (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
Active competition Active MLS
- For sale now
- 12 active · 4 under contract
- Months of supply
- 18.0 mo (6%/mo absorbed)
- Median asking
- $360,990 ($218/sqft)
- Median days on market
- 173 d
- This list price
- 8% of active listings are priced below it
- ARV vs active asking
- +16.8% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34771
- Home prices YoY
- -30.0%
- Rents YoY
- 3.0%
- Active inventory
- 1842
- Price-to-rent
- 11.1×
Monthly cashflow live
- Estimated rent
- $2,451 high interval (Pro) →
- Mortgage (P&I)
- −$2,100
- Tax est. 1.5%
- −$500 /mo · $6,005/yr
- Insurance
- −$167
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$515
- Net cashflow
- $-1,257
Break-even live
Sensitivity live
| Price | -10% $-980 | -5% $-1,118 | +0% $-1,257 | +5% $-1,395 | +10% $-1,533 |
|---|---|---|---|---|---|
| Rent | -10% $-1,450 | -5% $-1,354 | +0% $-1,257 | +5% $-1,160 | +10% $-1,063 |
| Rate | -1.0pp $-1,055 | -0.5pp $-1,155 | base $-1,257 | +0.5pp $-1,361 | +1.0pp $-1,466 |
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
- $100,090
- Closing costs
- $12,011
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2723 Plover St St Cloud, FL | 3.0 | 2.5 | 2039 | $2,400 | $1.18 | 7d | 1 | 0.09mi |
| 2708 Pine Sap Ln Saint Cloud, FL | 4.0 | 3.0 | 2061 | $2,199 | $1.07 | 60d | 1 | 0.10mi |
| 2708 Pine Sap Ln Saint Cloud, FL | 4.0 | 3.0 | 2061 | $2,300 | $1.12 | 94d | 1 | 0.10mi |
| 2708 Pine Sap Ln Saint Cloud, FL | 4.0 | 3.0 | 2061 | $2,049 | $0.99 | 4d | 1 | 0.10mi |
| 2710 Slash Way Saint Cloud, FL | 3.0 | 2.0 | 2133 | $2,500 | $1.17 | 67d | 1 | 0.12mi |
| 6405 Sprucepine Ln Saint Cloud, FL | 3.0 | 2.5 | 1930 | $2,950 | $1.53 | 113d | 1 | 0.18mi |
| 6429 Sprucepine Ln Saint Cloud, FL | 3.0 | 2.5 | 2204 | $2,100 | $0.95 | 7d | 1 | 0.21mi |
| 6300 Chirpine Ln Saint Cloud, FL | 3.0 | 2.0 | 1683 | $2,199 | $1.31 | 29d | 1 | 0.22mi |
| 6342 Whip O Will Ln Saint Cloud, FL | 3.0 | 2.5 | 2000 | $2,150 | $1.07 | 94d | 1 | 0.23mi |
| 6308 Chirpine Ln Saint Cloud, FL | 3.0 | 2.0 | 1800 | $2,000 | $1.11 | 119d | 1 | 0.23mi |
| 6441 Sprucepine Ln Saint Cloud, FL | 3.0 | 2.5 | 1982 | $2,135 | $1.08 | 60d | 1 | 0.23mi |
| 6418 Limberpine Aly Saint Cloud, FL | 3.0 | 2.5 | 1930 | $2,350 | $1.22 | 7d | 1 | 0.23mi |
| 6344 Whip O Will Ln Saint Cloud, FL | 3.0 | 2.5 | 2204 | $2,135 | $0.97 | 7d | 1 | 0.23mi |
| 6444 Sprucepine Ln Saint Cloud, FL | 3.0 | 2.5 | 1982 | $2,049 | $1.03 | 60d | 1 | 0.25mi |
| 6336 Chirpine Ln Saint Cloud, FL | 4.0 | 3.0 | 2055 | $2,800 | $1.36 | 119d | 1 | 0.28mi |
| 6440 Pine Fork Aly Saint Cloud, FL | 4.0 | 3.0 | 2023 | $2,500 | $1.24 | 74d | 1 | 0.31mi |
| 6464 Needle Way Saint Cloud, FL | 4.0 | 3.0 | 2055 | $2,350 | $1.14 | 29d | 1 | 0.33mi |
| 6254 Alligator Lake Shr E Saint Cloud, FL | 3.0 | 2.0 | 2145 | $2,500 | $1.17 | 119d | 1 | 0.72mi |
| 6446 Horseshoe Lane Way Harmony, FL | 3.0 | 2.5 | 1665 | $2,000 | $1.20 | 83d | 1 | 0.83mi |
| 6693 Horseshoe Lane Way Unit 69 St Cloud, FL | 3.0 | 2.5 | 1409 | $2,250 | $1.60 | 119d | 1 | 0.86mi |
| 6597 Druid Way Harmony, FL | 3.0 | 2.5 | 1452 | $2,100 | $1.45 | 6d | 1 | 0.93mi |
| 2803 Brie Hammock Bnd Harmony, FL | 3.0 | 2.5 | 1463 | $1,890 | $1.29 | 119d | 1 | 0.99mi |
| 6606 Leo Ln Harmony, FL | 3.0 | 2.5 | 1452 | $2,200 | $1.52 | 113d | 1 | 1.03mi |
| 2926 Hudson Hammock Way Harmony, FL | 3.0 | 2.5 | 1628 | $2,150 | $1.32 | 74d | 1 | 1.07mi |
| 2946 Brie Hammock Bnd Harmony, FL | 3.0 | 2.5 | 1452 | $2,200 | $1.52 | 7d | 1 | 1.09mi |
| 2923 Brie Hammock Bnd Harmony, FL | 3.0 | 2.5 | 1463 | $2,100 | $1.44 | 42d | 1 | 1.11mi |
| 2927 Brie Hammock Bnd Harmony, FL | 3.0 | 2.5 | 1623 | $1,980 | $1.22 | 88d | 1 | 1.12mi |
| 3000 Crispin Cir Harmony, FL | 3.0 | 2.0 | 1589 | $2,120 | $1.33 | 42d | 1 | 1.16mi |
| 3000 Crispin Cir Harmony, FL | 3.0 | 2.0 | 1580 | $2,340 | $1.48 | 29d | 1 | 1.16mi |
| 6731 Grace Hammock Rd Harmony, FL | 4.0 | 2.5 | 2208 | $2,281 | $1.03 | 88d | 1 | 1.16mi |
| 3032 Crispin Cir Harmony, FL | 3.0 | 2.0 | 1580 | $2,000 | $1.27 | 7d | 1 | 1.16mi |
| 6746 Grace Hammock Rd Harmony, FL | 4.0 | 2.0 | 1830 | $2,275 | $1.24 | 88d | 1 | 1.20mi |
| 6766 Grace Hammock Rd Harmony, FL | 3.0 | 2.0 | 1828 | $2,200 | $1.20 | 29d | 1 | 1.25mi |
| 2653 Harmonia Hammock Rd Harmony, FL | 3.0 | 2.0 | 1645 | $2,150 | $1.31 | 42d | 1 | 1.25mi |
| 6800 Huntleigh Hammock Rd Harmony, FL | 3.0 | 2.0 | 1649 | $2,150 | $1.30 | 62d | 1 | 1.29mi |
| 2621 Harmonia Hammock Rd Harmony, FL | 3.0 | 2.0 | 2239 | $2,150 | $0.96 | 74d | 1 | 1.31mi |
| 2621 Harmonia Hammock Rd Harmony, FL | 3.0 | 2.0 | 1620 | $2,100 | $1.30 | 77d | 1 | 1.31mi |
| 2639 Bittern Bnd Harmony, FL | 3.0 | 2.0 | 1758 | $2,050 | $1.17 | 7d | 1 | 1.40mi |
| 3164 Crispin Cir Harmony, FL | 4.0 | 3.0 | 2200 | $2,400 | $1.09 | 119d | 1 | 1.40mi |
| 6799 Sarus Crane Pt Harmony, FL | 4.0 | 3.0 | 2089 | $2,400 | $1.15 | 29d | 1 | 1.45mi |
Property features AI
Finance
- Other
- Financial info
- List price $320,990
- HOA & community
Exterior
- Parking
- 2 garage spaces (2 total parking spaces)
- Security
- Utilities
- Home design
- New construction plan (Plan 1573)Single-family home
- Construction
- Living area approximately 1573Year built: 2026
- Exterior features
Interior
- Kitchen
- Bedrooms
- 3 bedrooms
- Flooring
- Bathrooms
- 2 full bathrooms and 1 half bathroom
- Heating & cooling
- Interior features
- Open living area (Plan 1573)
- Laundry & utility
Listing history 50 events
-
2026-09-24days on market $325,990 Active 169 DOM
-
2026-09-23days on market $325,990 Active 168 DOM
-
2026-09-22days on market $325,990 Active 167 DOM
-
2026-09-21days on market $325,990 Active 166 DOM
-
2026-09-20days on market $325,990 Active 165 DOM
-
2026-09-19days on market $325,990 Active 164 DOM
-
2026-09-18days on market $325,990 Active 163 DOM
-
2026-09-17days on market $325,990 Active 162 DOM
-
2026-09-16days on market $325,990 Active 161 DOM
-
2026-09-15days on market $325,990 Active 160 DOM
-
2026-09-14days on market $325,990 Active 159 DOM
-
2026-09-13days on market $325,990 Active 158 DOM
-
2026-09-12days on market $325,990 Active 157 DOM
-
2026-09-11days on market $325,990 Active 156 DOM
-
2026-09-05days on market $325,990 Active 150 DOM
-
2026-09-04days on market $325,990 Active 149 DOM
-
2026-09-03days on market $325,990 Active 148 DOM
-
2026-08-31days on market $325,990 Active 145 DOM
-
2026-08-30days on market $325,990 Active 144 DOM
-
2026-08-29days on market $325,990 Active 143 DOM
-
2026-08-28days on market $325,990 Active 142 DOM
-
2026-08-27days on market $325,990 Active 141 DOM
-
2026-08-26days on market $325,990 Active 140 DOM
-
2026-08-25days on market $325,990 Active 139 DOM
-
2026-08-22days on market $325,990 Active 136 DOM
-
2026-08-21days on market $325,990 Active 135 DOM
-
2026-08-20days on market $325,990 Active 134 DOM
-
2026-08-19days on market $325,990 Active 133 DOM
-
2026-08-18days on market $325,990 Active 132 DOM
-
2026-08-17days on market $325,990 Active 131 DOM
-
2026-08-16days on market $325,990 Active 130 DOM
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2026-08-15days on market $325,990 Active 129 DOM
-
2026-08-14days on market $325,990 Active 128 DOM
-
2026-08-13days on market $325,990 Active 127 DOM
-
2026-08-12days on market $325,990 Active 126 DOM
-
2026-08-10days on market $325,990 Active 124 DOM
-
2026-08-09days on market $325,990 Active 123 DOM
-
2026-08-08days on market $325,990 Active 122 DOM
-
2026-08-06days on market $325,990 Active 120 DOM
-
2026-08-05days on market $325,990 Active 119 DOM
-
2026-08-04days on market $325,990 Active 118 DOM
-
2026-08-03days on market $325,990 Active 117 DOM
-
2026-07-31days on market $325,990 Active 114 DOM
-
2026-07-30days on market $325,990 Active 113 DOM
-
2026-07-30days on market $325,990 Active 112 DOM
-
2026-07-28days on market $325,990 Active 111 DOM
-
2026-07-26days on market $325,990 Active 109 DOM
-
2026-07-24days on market $325,990 Active 107 DOM
-
2026-07-23days on market $325,990 Active 106 DOM
-
2026-07-22days on market $325,990 Active 105 DOM
ⓘ 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 6/10 Major
- Heat 8/10 Severe 6 d/yr ≥108°F today · 20 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $29,416
- − Mortgage interest
- −$22,426
- − Property taxes
- −$6,005
- − Insurance
- −$7,120
- − Repairs & maintenance
- −$2,353
- − Management
- −$2,353
- − Depreciation
- −$11,647
- Taxable loss
- −$22,489
- Est. tax savings @ 24.0%
- +$5,397
- After-tax cash flow
- $-9,684/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.
Condition & rehab AI · 12 photos
This home is in excellent condition with a good condition score of 80. It is move-in ready with no visible repairs or maintenance needed. The highest-ROI updates to increase its value include painting, landscaping, kitchen backsplash, primary bath vanity upgrade, and flooring in bathrooms.
Value-add opportunities
- Both Painting exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
- Both Landscaping improvements — Enhanced landscaping can improve curb appeal and attract potential buyers/tenants. ↑
- Resale Kitchen backsplash — A backsplash can add value and functionality to the kitchen space. ↑
- Resale Primary bath vanity upgrade — A more modern or luxurious vanity can enhance the primary bath and add value. ↑
- Resale Flooring in bathrooms — Upgrading flooring in bathrooms can add value and improve the overall aesthetic of the home. ↑
Zoned Schools
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 — Saint Cloud
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- County
- Osceola County · 447,624 people
- City population
- 106,667
- Metro
- Orlando-Kissimmee-Sanford, FL
- Population (ZIP)
- 35,257
- Household income
- $97,415
- Rent vs Own
- Severe rent burden
- 2% of renters
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 45% Hispanic / Latino 41% Two or more races 20% Black 9% Asian 2%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 26% Cuban 2% Dominican 4%
- Common ancestry
- Slovak 2% Romanian 2% Lithuanian 1%
- Foreign-born
- 14% · Canada, Jamaica
- Languages at home
- 64% English-only · Spanish 33% Other Indo-European 3%
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
- ▼ -124.44%
- Current HPI
- 290.3095
- Rent YoY
- ▲ 3.02%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…