9040 Mercury Dr · Saint Cloud, FL 34773

$349,000

4 bd · 2.0 ba · 2,052 sqft · Manufactured public records · 5 Days on market

Built 2003 0.88 ac lot Est $300k · 16% over

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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).

• Cash flow +16.3/30.0
• DSCR +5.0/10.0
• Appreciation +4.8/10.0
• Schools +3.6/10.0
• 1% rule +3.1/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.1/15.0

Listing remarks MLS

Welcome to 9040 Mercury Drive in St. Cloud, Florida, where comfort, space, and peace of mind come together! This beautiful move-in ready pool home offers 4 bedrooms plus a bonus room, 2 bathrooms, and over 2,000 square feet of living space, perfectly situated on a quiet dead-end street. Enjoy the benefits of NO HOA and NO flood zone, giving you freedom and flexibility. This home has been thoughtfully updated, featuring a new roof (2024), water heater (2023), hvac (2017), septic pumped out (2026) and fresh interior paint (2026). The primary suite offers a large walk-in closet and BONUS Room! The other 3 bedrooms provide ample space and generous sized closets. Additional improvements include re-leveling and new mobile home skirting completed in 2023, along with updated kitchen and bathrooms for a modern, refreshed feel. Interior updates include new cordless blinds, fans, washer, range hood, ac vents, updated hvac ducts and much more! Step outside and relax on the screened front porch and enjoy watching the birds or entertain on the rear patio deck, recently updated for outdoor enjoyment. The backyard is your private retreat with a new Heritage 52" round pool (2024), complete with a new safety pool fence, cozy fire pit, and beautifully updated landscaping--perfect for gatherings or quiet evenings at home. 2 Sheds are included for storage, and the driveway has been updated with new millings. With its spacious layout, numerous upgrades, and inviting outdoor space, this home is ready for its next owner. Don't miss your opportunity to own this well-maintained gem in the heart of St. Cloud! All measurements and information are deemed reliable and shall be independently verified. Schedule your tour before it's too late!

Key facts

• New water heater
• Updated kitchen
• No flood zone

Tags

• MOVE IN READY POOL HOME
• NO HOA
• NO FLOOD ZONE
• NEW ROOF
• NEW WATER HEATER
• UPDATED KITCHEN

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $349k.

Deal economics

• At list price, monthly cash flow is $190 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $282k (19.3% below list).
• Recommended offer: $282k (19.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — 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); 387 active listings in the ZIP; solid renter incomes; 8,813 units permitted in Osceola County in 2024 (3,072 in 5+ unit buildings).
• This rent runs 42% 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 $785 of equity ($2k 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

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 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.
• Current owner paid $18k; list at $349k implies a 1839% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $281,678 (19.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 0.81% ✗
• Cap rate: 6.95%
• Cash-on-cash: 2.34%
• DSCR: 1.10
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $299,592
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9040 Mercury Dr	0.00mi	4/2.0	2,052 (0%)	1mo	$349,000	$170	99
9115 Mercury Dr	0.18mi	4/2.0	2,280 (+11%)	2mo	$300,000	$132	71
5165 Apollo Ave	0.51mi	5/2.0 (+1)	2,052 (0%)	2mo	$300,000	$146	70
9200 Mercury Dr	0.35mi	4/2.0	1,890 (-8%)	7mo	$205,000	$108	65
9020 Concord Rd	0.39mi	4/3.0	2,292 (+12%)	2mo	$440,000	$192	56
5175 Topeka Ave	0.62mi	4/2.0	2,280 (+11%)	2mo	$275,000	$121	50
5115 Apollo Ave	0.48mi	4/2.0	2,280 (+11%)	12mo	$300,000	$132	49
9110 Concord Rd	0.40mi	3/2.0 (-1)	1,792 (-13%)	9mo	$280,000	$156	48
9270 Lincoln Rd	0.68mi	3/2.0 (-1)	1,800 (-12%)	14mo	$313,000	$174	32

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

Projected returns pro-forma

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

5-year hold

• IRR: -2.1%
• Equity multiple: 0.91×
• Total profit: $-9,254
• Equity at exit: $93,272

10-year hold

• IRR: 3.2%
• Equity multiple: 1.31×
• Total profit: $30,603
• Equity at exit: $105,867

Cash invested: $97,720 (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: 387
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,817 medium
• Mortgage (P&I): −$1,830
• Tax from tax record: −$59 /mo · $713/yr
• Insurance: −$145
• HOA: −$0
• Vacancy / Maint / Mgmt: −$592
• Net cashflow: $190

Break-even live

Break-even rent $2,576

Max offer price $349,000

Occupancy floor 88%

Sensitivity live

Price	-10% $388	-5% $289	+0% $190	+5% $-307	+10% $-428
Rent	-10% $-32	-5% $79	+0% $190	+5% $301	+10% $413
Rate	-1.0pp $366	-0.5pp $279	base $190	+0.5pp $100	+1.0pp $8

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: $87,250
• Closing costs: $10,470
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-04-27
   status Pending 1745-char remark

   Show marketing remark (1745 chars)

   Welcome to 9040 Mercury Drive in St. Cloud, Florida, where comfort, space, and peace of mind come together! This beautiful move-in ready pool home offers 4 bedrooms plus a bonus room, 2 bathrooms, and over 2,000 square feet of living space, perfectly situated on a quiet dead-end street. Enjoy the benefits of NO HOA and NO flood zone, giving you freedom and flexibility. This home has been thoughtfully updated, featuring a new roof (2024), water heater (2023), hvac (2017), septic pumped out (2026) and fresh interior paint (2026). The primary suite offers a large walk-in closet and BONUS Room! The other 3 bedrooms provide ample space and generous sized closets. Additional improvements include re-leveling and new mobile home skirting completed in 2023, along with updated kitchen and bathrooms for a modern, refreshed feel. Interior updates include new cordless blinds, fans, washer, range hood, ac vents, updated hvac ducts and much more! Step outside and relax on the screened front porch and enjoy watching the birds or entertain on the rear patio deck, recently updated for outdoor enjoyment. The backyard is your private retreat with a new Heritage 52" round pool (2024), complete with a new safety pool fence, cozy fire pit, and beautifully updated landscaping--perfect for gatherings or quiet evenings at home. 2 Sheds are included for storage, and the driveway has been updated with new millings. With its spacious layout, numerous upgrades, and inviting outdoor space, this home is ready for its next owner. Don't miss your opportunity to own this well-maintained gem in the heart of St. Cloud! All measurements and information are deemed reliable and shall be independently verified. Schedule your tour before it's too late!

2. 2026-04-27
   status Pending

   Show marketing remark (1745 chars)

   Welcome to 9040 Mercury Drive in St. Cloud, Florida, where comfort, space, and peace of mind come together! This beautiful move-in ready pool home offers 4 bedrooms plus a bonus room, 2 bathrooms, and over 2,000 square feet of living space, perfectly situated on a quiet dead-end street. Enjoy the benefits of NO HOA and NO flood zone, giving you freedom and flexibility. This home has been thoughtfully updated, featuring a new roof (2024), water heater (2023), hvac (2017), septic pumped out (2026) and fresh interior paint (2026). The primary suite offers a large walk-in closet and BONUS Room! The other 3 bedrooms provide ample space and generous sized closets. Additional improvements include re-leveling and new mobile home skirting completed in 2023, along with updated kitchen and bathrooms for a modern, refreshed feel. Interior updates include new cordless blinds, fans, washer, range hood, ac vents, updated hvac ducts and much more! Step outside and relax on the screened front porch and enjoy watching the birds or entertain on the rear patio deck, recently updated for outdoor enjoyment. The backyard is your private retreat with a new Heritage 52" round pool (2024), complete with a new safety pool fence, cozy fire pit, and beautifully updated landscaping--perfect for gatherings or quiet evenings at home. 2 Sheds are included for storage, and the driveway has been updated with new millings. With its spacious layout, numerous upgrades, and inviting outdoor space, this home is ready for its next owner. Don't miss your opportunity to own this well-maintained gem in the heart of St. Cloud! All measurements and information are deemed reliable and shall be independently verified. Schedule your tour before it's too late!

3. 2026-04-22
   listed $349,000 Active 1745-char remark

   Show marketing remark (1745 chars)

   Welcome to 9040 Mercury Drive in St. Cloud, Florida, where comfort, space, and peace of mind come together! This beautiful move-in ready pool home offers 4 bedrooms plus a bonus room, 2 bathrooms, and over 2,000 square feet of living space, perfectly situated on a quiet dead-end street. Enjoy the benefits of NO HOA and NO flood zone, giving you freedom and flexibility. This home has been thoughtfully updated, featuring a new roof (2024), water heater (2023), hvac (2017), septic pumped out (2026) and fresh interior paint (2026). The primary suite offers a large walk-in closet and BONUS Room! The other 3 bedrooms provide ample space and generous sized closets. Additional improvements include re-leveling and new mobile home skirting completed in 2023, along with updated kitchen and bathrooms for a modern, refreshed feel. Interior updates include new cordless blinds, fans, washer, range hood, ac vents, updated hvac ducts and much more! Step outside and relax on the screened front porch and enjoy watching the birds or entertain on the rear patio deck, recently updated for outdoor enjoyment. The backyard is your private retreat with a new Heritage 52" round pool (2024), complete with a new safety pool fence, cozy fire pit, and beautifully updated landscaping--perfect for gatherings or quiet evenings at home. 2 Sheds are included for storage, and the driveway has been updated with new millings. With its spacious layout, numerous upgrades, and inviting outdoor space, this home is ready for its next owner. Don't miss your opportunity to own this well-maintained gem in the heart of St. Cloud! All measurements and information are deemed reliable and shall be independently verified. Schedule your tour before it's too late!

4. 2026-04-22
   listed $349,000 Active

   Show marketing remark (1745 chars)

   Welcome to 9040 Mercury Drive in St. Cloud, Florida, where comfort, space, and peace of mind come together! This beautiful move-in ready pool home offers 4 bedrooms plus a bonus room, 2 bathrooms, and over 2,000 square feet of living space, perfectly situated on a quiet dead-end street. Enjoy the benefits of NO HOA and NO flood zone, giving you freedom and flexibility. This home has been thoughtfully updated, featuring a new roof (2024), water heater (2023), hvac (2017), septic pumped out (2026) and fresh interior paint (2026). The primary suite offers a large walk-in closet and BONUS Room! The other 3 bedrooms provide ample space and generous sized closets. Additional improvements include re-leveling and new mobile home skirting completed in 2023, along with updated kitchen and bathrooms for a modern, refreshed feel. Interior updates include new cordless blinds, fans, washer, range hood, ac vents, updated hvac ducts and much more! Step outside and relax on the screened front porch and enjoy watching the birds or entertain on the rear patio deck, recently updated for outdoor enjoyment. The backyard is your private retreat with a new Heritage 52" round pool (2024), complete with a new safety pool fence, cozy fire pit, and beautifully updated landscaping--perfect for gatherings or quiet evenings at home. 2 Sheds are included for storage, and the driveway has been updated with new millings. With its spacious layout, numerous upgrades, and inviting outdoor space, this home is ready for its next owner. Don't miss your opportunity to own this well-maintained gem in the heart of St. Cloud! All measurements and information are deemed reliable and shall be independently verified. Schedule your tour before it's too late!

5. 2001-06-01
   soldstatus $18,000
6. 1983-04-01
   soldstatus $9,000

ⓘ 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: $713 · $59/mo
• Projected year-2 tax: $2,897 · $241/mo
• Expected delta: +$2,184/yr (+$182/mo · 306.3%)

ⓘ 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 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,801
• − Mortgage interest: −$19,549
• − Property taxes: −$713
• − Insurance: −$1,745
• − Repairs & maintenance: −$2,704
• − Management: −$2,704
• − Depreciation: −$10,153
• Taxable loss: −$3,767
• Est. tax savings @ 24.0%: +$904
• After-tax cash flow: $3,187/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 — Saint Cloud

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Osceola County · 410,217 people
• City population: 106,667
• 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

+3777.8% since first listed

6 events — show timeline

• 2026-04-27 Pending — SCMLS
• 2026-04-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-22 Listed $349,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-22 Listed $349,000 SCMLS
• 2001-06-01 Sold (Public Records) $18,000 Public Records
• 1983-04-01 Sold (Public Records) $9,000 Public Records

Property tax history

+2.0%/yr

Latest (2025): $713 · +13.0% YoY. Source: county tax records.