4795 S Texas Ave Unit 4795C · Orlando, FL 32839

$95,000

1 bd · 1.0 ba · 756 sqft · Condo public records · 29 Days on market

Built 1973 $315/mo HOA · 23% of rent

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Why this score? — see what drove the C 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 +20.0/30.0
• 1% rule +9.3/10.0
• ARV discount +7.5/15.0
• DSCR +6.3/10.0
• Livability +4.3/5.0
• Schools +4.1/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Nice one bedroom / one bath home in great condition! Excellent location. Secure, gated community, Close to all the best of Central Florida. Spacious balcony. Granite countertops in kitchen and bath.

Key facts

• Gated community
• Clubhouse
• Pool

Tags

• GATED COMMUNITY
• POOL
• CLUBHOUSE

Property features AI

Finance

• Financial info: Lease restrictions apply
• HOA & community: Monthly HOA fee of $315 (association requires approval); Association name: Vicky Racines; Pets allowed: Dogs OK

Exterior

• Utilities: Public water; Public sewer; Cable available; High-speed internet available; Electricity available; Other utilities
• Home design: Residential condominium; 2-story building; Unit on 2nd floor; Faces west
• Construction: Stucco construction; Shingle roof; Slab foundation; Built on a 0.14-acre lot
• Exterior features: Sidewalk; Other exterior features

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 1 bedroom
• Flooring: Carpet; Ceramic tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Other interior features
• Laundry & utility: Laundry: Other

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $95k.

Deal economics

• At list price, monthly cash flow is $116 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $94k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 3.0% in Orlando — 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 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 (-0.5%/yr); 222 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 8,053 units permitted in Orange County in 2024 (3,133 in 5+ unit buildings).
• This rent runs 34% of the median local income ($47k/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 $657 of loan paydown is wiped out by about $3k 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

• It's been on market 29 days — a 2% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 15y ago 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 $36k; list at $95k implies a 160% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 23% of rent.

Recommended offer $93,575 (1.5% below list)

Questions for the listing agent

1. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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 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: 1.43% ✓
• Cap rate: 7.75%
• Cash-on-cash: 5.22%
• DSCR: 1.23
• GRM: 5.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -12.8%
• Equity multiple: 0.56×
• Total profit: $-11,792
• Equity at exit: $14,165

10-year hold

• IRR: -11.9%
• Equity multiple: 0.42×
• Total profit: $-15,300
• Equity at exit: $8,214

Cash invested: $26,600 (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 32839

• Home prices YoY: -20.1%
• Rents YoY: -0.5%
• Active inventory: 222
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,355 high
• Mortgage (P&I): −$498
• Tax from tax record: −$102 /mo · $1,226/yr
• Insurance: −$40
• HOA: −$315
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $116

Break-even live

Break-even rent $1,209

Max offer price $95,000

Occupancy floor 86%

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4795 S Texas Ave Unit 4795A Orlando, FL	1.0	1.0	756	$1,200	$1.59	23d	1	0.02mi
4801 S Texas Ave Unit 4801D Orlando, FL	1.0	1.0	756	$1,200	$1.59	23d	1	0.03mi
4791 S Texas Ave Orlando, FL	2.0	2.0	976	$1,300	$1.33	23d	1	0.03mi
4807 S Texas Ave Unit 4807D Orlando, FL	1.0	1.0	756	$1,349	$1.78	23d	1	0.05mi
4807 S Texas Ave Unit 4807C Orlando, FL	1.0	1.0	756	$1,599	$2.12	23d	1	0.05mi
4725 S Texas Ave Apt C Orlando, FL	2.0	2.0	976	$1,249	$1.28	23d	1	0.06mi
4733 S Texas Ave Unit 4733B Orlando, FL	2.0	2.0	976	$1,450	$1.49	21d	1	0.07mi
4711 S Texas Ave Unit 4711A Orlando, FL	2.0	2.0	976	$1,600	$1.64	23d	1	0.08mi
4779 S Texas Ave Unit 4779D Orlando, FL	2.0	2.0	976	$1,450	$1.49	2d	1	0.09mi
4759 S Texas Ave Unit 4759C Orlando, FL	2.0	2.0	976	$1,450	$1.49	16d	1	0.09mi
4703 S Texas Ave Unit A Orlando, FL	1.0	1.0	756	$1,200	$1.59	23d	1	0.12mi
1924 Lake Atriums Cir #62 Orlando, FL	2.0	2.0	864	$1,450	$1.68	23d	1	0.13mi
4789 S Texas Ave Apt A Orlando, FL	2.0	2.0	976	$1,500	$1.54	7d	1	0.13mi
4767 S Texas Ave Unit 4767B Orlando, FL	2.0	2.0	976	$1,450	$1.49	13d	1	0.13mi
4749 S Texas Ave Unit 4749C Orlando, FL	2.0	2.0	976	$1,450	$1.49	23d	1	0.14mi
1916 Lake Atriums Cir Orlando, FL	1.0	1.0	593	$1,172	$1.98	23d	4	0.14mi
1940 Lake Atriums Cir Orlando, FL	1.0	1.0	593	$1,225	$2.07	23d	4	0.16mi
5208 Via Hacienda Cir Unit 101 Orlando, FL	2.0	2.0	1073	$2,000	$1.86	23d	1	0.16mi
1908 Lake Atriums Cir Orlando, FL	1.0	1.0	593	$1,124	$1.90	23d	3	0.17mi
1948 Lake Atriums Cir Orlando, FL	2.0–3.0	2.0	864	$1,450	$1.68	7d	3	0.19mi
5219 Via Hacienda Cir Unit B209 Orlando, FL	2.0	2.0	1073	$1,500	$1.40	16d	1	0.19mi
1972 Lake Atriums Cir Orlando, FL	1.0–2.0	1.0–2.0	695	$1,150	$1.65	4d	2	0.20mi
2201 Metropolitan Way Orlando, FL	2.0	2.0	874	$1,475	$1.69	2d	1	0.20mi
5214 Via Hacienda Cir Apt 207 Orlando, FL	2.0	2.0	1073	$1,400	$1.30	23d	1	0.20mi
1972 Lake Atriums Cir #181 Orlando, FL	2.0	2.0	864	$1,300	$1.50	23d	1	0.20mi
1902 Honour Rd Unit 1902-23 Orlando, FL	1.0	1.0	650	$1,200	$1.85	23d	1	0.21mi
1916 Honour Rd #1 Orlando, FL	1.0	1.0	650	$1,100	$1.69	23d	1	0.21mi
5226 Via Hacienda Cir Unit A215 Orlando, FL	2.0	2.0	1073	$1,550	$1.44	23d	1	0.21mi
5226 Via Hacienda Cir Unit A116 Orlando, FL	2.0	2.0	934	$1,350	$1.45	23d	1	0.21mi
5226 Via Hacienda Cir Unit A313 Orlando, FL	2.0	2.0	934	$1,400	$1.50	2d	1	0.21mi
5225 Via Hacienda Cir Unit B115 Orlando, FL	2.0	2.0	1073	$1,480	$1.38	23d	1	0.21mi
5124 Park Central Dr Orlando, FL	2.0	2.0	874	$1,648	$1.89	23d	2	0.21mi
1956 Lake Atriums Cir Orlando, FL	2.0	2.0	864	$1,425	$1.65	14d	3	0.21mi
1956 Lake Atriums Cir Orlando, FL	2.0	2.0	864	$1,425	$1.65	7d	2	0.21mi
1956 Lake Atriums Cir #144 Orlando, FL	2.0	2.0	864	$1,500	$1.74	4d	1	0.22mi
5124 Park Central Dr #517 Orlando, FL	2.0	2.0	874	$1,700	$1.95	13d	1	0.22mi
1964 Lake Atriums Cir Orlando, FL	1.0	1.0	526	$1,250	$2.38	10d	2	0.22mi
1964 Lake Atriums Cir Orlando, FL	1.0	1.0	655	$1,225	$1.87	7d	3	0.22mi
1717 Holden Ave Orlando, FL	1.0–3.0	1.0–2.5	980	$1,049	$1.07	1d	26	0.25mi
2203 Yankee Pl #427 Orlando, FL	1.0	1.0	605	$1,325	$2.19	4d	1	0.25mi

HOA detail condo

• Monthly dues: $315 · $3,780/yr
• Likely covers: security
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 35 events

1. 2026-06-18
   days on market $95,000 Active 29 DOM
2. 2026-06-17
   days on market $95,000 Active 28 DOM
3. 2026-06-16
   days on market $95,000 Active 27 DOM
4. 2026-06-15
   days on market $95,000 Active 26 DOM
5. 2026-06-13
   days on market $95,000 Active 24 DOM
6. 2026-06-13
   days on market $95,000 Active 23 DOM
7. 2026-06-09
   days on market $95,000 Active 20 DOM
8. 2026-06-08
   days on market $95,000 Active 19 DOM
9. 2026-06-07
   days on market $95,000 Active 18 DOM
10. 2026-06-04
    days on market $95,000 Active 15 DOM
11. 2026-06-03
    days on market $95,000 Active 14 DOM
12. 2026-06-02
    days on market $95,000 Active 13 DOM
13. 2026-06-01
    days on market $95,000 Active 12 DOM
14. 2026-05-31
    days on market $95,000 Active 11 DOM
15. 2026-05-20
    listed $95,000 Active
16. 2025-12-30
    historical $1,075
17. 2025-12-12
    listed $1,075
18. 2025-11-26
    historical $1,175
19. 2025-10-30
    price $1,175
20. 2025-10-08
    listed $1,275
21. 2025-10-01
    historical $1,250
22. 2025-09-17
    price $1,250
23. 2025-09-04
    price $1,300
24. 2025-08-07
    listed $1,350
25. 2017-06-23
    soldstatus $36,500
26. 2017-06-22
    soldstatus $37,500 Sold 198-char remark

    Show marketing remark (198 chars)

    Nice one bedroom / one bath home in great condition! Excellent location. Secure, gated community, Close to all the best of Central Florida. Spacious balcony. Granite countertops in kitchen and bath.

27. 2017-05-10
    price $38,000 198-char remark

    Show marketing remark (198 chars)

    Nice one bedroom / one bath home in great condition! Excellent location. Secure, gated community, Close to all the best of Central Florida. Spacious balcony. Granite countertops in kitchen and bath.

28. 2017-03-21
    price $40,000 198-char remark

    Show marketing remark (198 chars)

    Nice one bedroom / one bath home in great condition! Excellent location. Secure, gated community, Close to all the best of Central Florida. Spacious balcony. Granite countertops in kitchen and bath.

29. 2017-02-23
    price $42,500 198-char remark

    Show marketing remark (198 chars)

    Nice one bedroom / one bath home in great condition! Excellent location. Secure, gated community, Close to all the best of Central Florida. Spacious balcony. Granite countertops in kitchen and bath.

30. 2017-02-23
    status Active 198-char remark

    Show marketing remark (198 chars)

    Nice one bedroom / one bath home in great condition! Excellent location. Secure, gated community, Close to all the best of Central Florida. Spacious balcony. Granite countertops in kitchen and bath.

31. 2017-01-23
    status Pending 198-char remark

    Show marketing remark (198 chars)

    Nice one bedroom / one bath home in great condition! Excellent location. Secure, gated community, Close to all the best of Central Florida. Spacious balcony. Granite countertops in kitchen and bath.

32. 2016-11-10
    listed $40,000 Active 198-char remark

    Show marketing remark (198 chars)

    Nice one bedroom / one bath home in great condition! Excellent location. Secure, gated community, Close to all the best of Central Florida. Spacious balcony. Granite countertops in kitchen and bath.

33. 2012-01-23
    soldstatus $20,000
34. 2012-01-10
    soldstatus $20,000 313-char remark

    Show marketing remark (313 chars)

    Short Sale. Great one Bedroom, One Bath home with large balcony. Very Nice Kitchen with Granite Counters in Kitchen and Bathroom. Needs carpet but otherwise in great condition. Home offers a living room/ Dining Room combo. This condo is on the secondfloor. Patio is screened to enjoy the cool nights. Great price!

35. 2011-09-22
    listed $19,500 313-char remark

    Show marketing remark (313 chars)

    Short Sale. Great one Bedroom, One Bath home with large balcony. Very Nice Kitchen with Granite Counters in Kitchen and Bathroom. Needs carpet but otherwise in great condition. Home offers a living room/ Dining Room combo. This condo is on the secondfloor. Patio is screened to enjoy the cool nights. Great price!

ⓘ 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: $1,226 · $102/mo
• Projected year-2 tax: $1,226 · $102/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: $16,263
• − Mortgage interest: −$5,321
• − Property taxes: −$1,226
• − Insurance: −$475
• − Repairs & maintenance: −$1,301
• − Management: −$1,301
• − HOA: −$3,780
• − Depreciation: −$2,764
• Taxable income: $95
• Est. tax owed @ 24.0%: −$23
• After-tax cash flow: $1,366/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): 53,242
• Household income: $47,313
• Rent vs Own: 75.1% rent · 24.9% own
• Severe rent burden: 5337.0

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 0.69)
• Race & ethnicity: Hispanic / Latino 39% Black 35% Two or more races 17% White 16% Asian 4%
• Hispanic origin (detail): Mexican 5% Puerto Rican 14% Cuban 2% Dominican 3%
• Common ancestry: Hispanic 8% Estonian 1% Lithuanian 1%
• Foreign-born: 30% · Canada, Jamaica, Vietnam
• Languages at home: 51% English-only · Spanish 33% French/Haitian/Cajun 9% Other Indo-European 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: ▼ -89.65%
• Current HPI: 357.4828
• Rent YoY: ▼ -0.50%
• 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

+387.2% since first listed

21 events — show timeline

• 2026-05-20 Listed $95,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-30 Rental Removed $1,075 STELLARMLS
• 2025-12-12 Listed for Rent $1,075 STELLARMLS
• 2025-11-26 Rental Removed $1,175 STELLARMLS
• 2025-10-30 Price Changed $1,175 STELLARMLS
• 2025-10-08 Listed for Rent $1,275 STELLARMLS
• 2025-10-01 Rental Removed $1,250 STELLARMLS
• 2025-09-17 Price Changed $1,250 STELLARMLS
• 2025-09-04 Price Changed $1,300 STELLARMLS
• 2025-08-07 Listed for Rent $1,350 STELLARMLS
• 2017-06-23 Sold (Public Records) $36,500 Public Records
• 2017-06-22 Sold (MLS) $37,500 Stellar MLS as Distributed by MLS Grid
• 2017-05-10 Price Changed $38,000 Stellar MLS as Distributed by MLS Grid
• 2017-03-21 Price Changed $40,000 Stellar MLS as Distributed by MLS Grid
• 2017-02-23 Price Changed $42,500 Stellar MLS as Distributed by MLS Grid
• 2017-02-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-01-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-11-10 Listed $40,000 Stellar MLS as Distributed by MLS Grid
• 2012-01-23 Sold (Public Records) $20,000 Public Records
• 2012-01-10 Sold (MLS) $20,000 Stellar MLS as Distributed by MLS Grid
• 2011-09-22 Listed $19,500 Stellar MLS as Distributed by MLS Grid

Property tax history

+5.2%/yr

Latest (2025): $1,226 · +6.3% YoY. Source: county tax records.