7581 Bent Tree Loop · St. Cloud, FL 34773

$436,900

4 bd · 2.5 ba · 2,405 sqft · Land · 48 Days on market

Built 2025 4,792 sqft lot $68/mo HOA · 3% of rent

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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 +5.3/30.0
• Appreciation +4.8/10.0
• Schools +3.6/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.1/10.0
• DSCR +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Brand-New, Move-In Ready Home! This stunning 4-bedroom, 2.5-bathroom new construction home blends modern design, quality craftsmanship, and exceptional value. Buyers can take advantage of closing cost assistance, saving thousands, along with $10,000 in Flex Cash that can be applied toward prepaids and closing costs. Designed for both entertaining and everyday living, the open floor plan features an upgraded kitchen with granite countertops throughout, a large center island, and Whirlpool stainless steel appliances. The spacious layout is enhanced by an oversized loft and a generous laundry room, providing both comfort and functionality. The bathro

Key facts

• 4,792 sq ft lot
• 2 garage spots
• Community pool

Property features AI

Finance

• Other: Home warranty included
• Financial info: $825 total annual fees; No lease restrictions indicated
• HOA & community: Monthly HOA fee of $68.75 (association: Harmony Central Homeowners Association); Community clubhouse; Community pool; Pets allowed

Exterior

• Parking: Attached 2-car garage (19x19)
• Utilities: Public water; Public sewer; Cable available; Electricity available; Water available; Sewer available
• Home design: Single family residence; Residential property; Two levels; Northwest-facing; New construction; Completed condition; Entry level: Slab foundation
• Construction: Block and stucco construction; Shingle roof; Built by Adams Homes of Northwest
• Exterior features: Covered porch; Porch; Exterior lighting; Sidewalk; Irrigation equipment; Conservation area; Paved lot; Asphalt road frontage

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Electric water heater
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; High ceilings; In-wall pest system; Open floorplan; Thermostat; Walk-in closets
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry room located inside

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath land listed at $437k.

Deal economics

• At list price, monthly cash flow is $-980 ($-12k/yr) — negative.
• To cash-flow at today's rent, offer at most $295k (32.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $267k (38.9% below list).
• Recommended offer: $267k (38.9% below list) — sets the bar for 1% rule.

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); Harmony High School (math 40% / reading 46%, grade F, #255 of 667 statewide, top 39%, 2,822 students, 42% FRL) — zoned schools average 40% FRL vs 60% district-wide (20 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 (+1.8%/yr); 383 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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).
• This rent runs 40% of the median local income ($81k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $982 of equity ($3k loan paydown + $-2k appreciation (-0.5% local appreciation)).
• 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 48 days — a 3% lower offer ($424k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $266,802 (38.9% 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 48 days. Have you received any prior offers? Is the seller open to a 39% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 3.60%
• Cash-on-cash: -9.61%
• DSCR: 0.57
• GRM: 13.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-0.47% appreciation · 1.79% rent growth · sell at horizon

5-year hold

• IRR: -16.2%
• Equity multiple: 0.28×
• Total profit: $-87,791
• Equity at exit: $116,764

10-year hold

• IRR: -10.5%
• Equity multiple: -0.00×
• Total profit: $-122,487
• Equity at exit: $132,532

Cash invested: $122,332 (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 34773

• Home prices YoY: -0.2%
• Rents YoY: 1.8%
• Active inventory: 383
• Price-to-rent: 13.6×

Monthly cashflow live

• Estimated rent: $2,668 high
• Mortgage (P&I): −$2,291
• Tax est. 1.5%: −$546 /mo · $6,554/yr
• Insurance: −$182
• HOA: −$68
• Vacancy / Maint / Mgmt: −$560
• Net cashflow: $-980

Break-even live

Break-even rent $3,908

Max offer price $295,153

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: $109,225
• Closing costs: $13,107
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3687 Sagefield Dr Harmony, FL	4.0	2.5	2335	$2,350	$1.01	24d	1	0.20mi
4592 Sagefield Dr Harmony, FL	4.0	2.0	1820	$2,500	$1.37	24d	1	0.29mi
4480 Sagefield Dr Harmony, FL	4.0	2.0	1820	$2,300	$1.26	24d	1	0.47mi
3963 Sagefield Dr Harmony, FL	3.0	2.0	1673	$2,600	$1.55	24d	1	0.55mi
4224 Sagefield Dr Harmony, FL	4.0	3.0	2400	$2,590	$1.08	4d	1	0.76mi
7129 Red Lantern Dr Unit 7129 Harmony, FL	3.0	2.5	1855	$2,200	$1.19	4d	1	0.92mi
3509 Clay Brick Rd Harmony, FL	4.0	2.5	2085	$2,550	$1.22	24d	1	1.00mi
3430 Sagebrush St Harmony, FL	3.0	2.0	1876	$2,380	$1.27	24d	1	1.01mi
7537 Wing Span Way Harmony, FL	4.0	3.0	2361	$2,500	$1.06	24d	1	1.20mi
3303 Primrose Willow Dr Saint Cloud, FL	4.0	2.0	2047	$2,430	$1.19	24d	1	1.29mi
6927 Cupseed Ln Harmony, FL	3.0	2.5	1824	$2,195	$1.20	24d	1	1.48mi

HOA detail

• Monthly dues: $68 · $816/yr
• Likely covers: pool

Listing history 5 events

1. 2026-05-20
   status Pending
2. 2026-04-04
   price $436,900
3. 2026-04-02
   status Active
4. 2026-01-21
   status Pending
5. 2026-01-21
   listed $429,900 Active

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

Taxation est. · year 1

• Rental income: $32,016
• − Mortgage interest: −$24,473
• − Property taxes: −$6,554
• − Insurance: −$2,184
• − Repairs & maintenance: −$2,561
• − Management: −$2,561
• − HOA: −$816
• − Depreciation: −$12,710
• Taxable loss: −$19,843
• Est. tax savings @ 24.0%: +$4,762
• After-tax cash flow: $-6,993/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

• County: Osceola County · 410,217 people
• City population: 29,247
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 5,816
• Household income: $80,524
• Rent vs Own: 10.2% rent · 89.8% own
• Severe rent burden: 47.0

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: Majority White (59%)
• Race & ethnicity: White 59% Hispanic / Latino 33% Two or more races 11%
• Hispanic origin (detail): Puerto Rican 20%
• Common ancestry: Portuguese 5% Slovak 3% Romanian 2%
• Foreign-born: 12% · Canada, South Korea
• Languages at home: 67% English-only · Spanish 27% Other Indo-European 4% German/W. Germanic 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: ▼ -0.47%
• Current HPI: 279.5662
• Rent YoY: ▲ 1.79%
• 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

+1.6% since first listed

5 events — show timeline

• 2026-05-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-04 Price Changed $436,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-21 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-21 Listed $429,900 Stellar MLS as Distributed by MLS Grid