5221 Luisa Ct · St. Cloud, FL 34771

$339,999

4 bd · 2.5 ba · 1,860 sqft · Land · 111 Days on market

Built 2026 2,614 sqft lot $165/mo HOA · 6% 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).

• Cash flow +7.9/30.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Rent growth +3.3/5.0
• 1% rule +3.0/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Under Construction | Estimated Completion: June, 2026 This quaint townhome community is just minutes from Lake Nona, without the Lake Nona price tag! Welcome to The Hazel, a thoughtfully designed four-bedroom townhome with a two-car garage, delivering the space, comfort, and livability of a single-family home in Terra Haven, a new low-maintenance community ideally located near Lake Nona, Medical City, Orlando International Airport, SR-417, and Florida's Turnpike. This versatile floor plan features 4 bedrooms plus a spacious loft, perfect for a home office, media room, or play area. The open-concept main living space is enhanced by 9'4" first-floor ceilings, an 8' front entry door, and tile flooring throughout the first floor, creating a bright, airy atmosphere designed for modern living. An attached two-car garage adds everyday convenience and storage. The gourmet kitchen is both stylish and functional, showcasing 42" cabinets, stainless steel appliances, granite countertops, an oversized center island, and a walk-in pantry-offering generous cabinet and countertop space ideal for entertaining or daily life. Triple sliding glass doors lead to a 24' wide covered lanai, extending your living space outdoors and overlooking a private backyard framed by lush trees, perfect for morning coffee or evening relaxation. Additional features include a paver driveway and lead walk, energy-efficient construction, lawn care included, low HOA dues, and NO CDD fees, allowing. ..

Key facts

• Gourmet kitchen
• Lake nona
• Tile flooring

Tags

• LAKE NONA
• SPACIOUS LOFT
• OPEN-CONCEPT MAIN LIVING SPACE
• TILE FLOORING
• GOURMET KITCHEN
• STAINLESS STEEL APPLIANCES

Property features AI

Finance

• Other: Lease restrictions apply; Living area reported 1,860 (builder source); Lot approximately 0.06 acres (25x100)
• Financial info: Total monthly fees reported $165; total annual fees reported $1,980
• HOA & community: HOA: HARTIZEN HOMES; Monthly HOA $165 (covers grounds maintenance and pest control); Community features: street lights; Pets allowed

Exterior

• Parking: Attached 2-car garage (18x20) with garage door opener; Driveway
• Utilities: Public water; Public sewer
• Home design: Residential townhouse; Under construction (projected completion 2026-06-30); Two levels; South-facing
• Construction: Block, cement siding and frame construction; Shingle roof; Slab foundation; New construction; Builder: HARTIZEN HOMES (model: HAZEL)
• Exterior features: Sidewalk; Paved road access; Irrigation equipment

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range
• Bedrooms: 4 bedrooms; Loft (additional room)
• Flooring: Carpet; Ceramic tile; Concrete
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Eat-in kitchen; High ceilings; Open floorplan; Solid surface counters; Stone counters; Walk-in closet(s); Thermal windows
• Laundry & utility: Laundry inside on upper level

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath land listed at $340k.

Deal economics

• At list price, monthly cash flow is $-361 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $288k (15.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $273k (19.8% below list).
• Recommended offer: $273k (19.8% below list) — sets the bar for 1% rule.
• Cap rate 5.0% vs local median 4.0% in St. Cloud — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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: Tohopekaliga (math 20% / reading 41%, grade F, #434 of 667 statewide, top 66%, 2,748 students, 60% FRL) — zoned schools at 60% FRL track the district average.
• Market conditions: Rents rising (+3.0%/yr); 1378 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 18d 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 34% 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 $2k of loan paydown is wiped out by about $10k 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 111 days — a 9% lower offer ($309k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $18k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $272,558 (19.8% 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 111 days. Have you received any prior offers? Is the seller open to a 20% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.80% ✗
• Cap rate: 5.02%
• Cash-on-cash: -4.56%
• DSCR: 0.80
• GRM: 10.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.02% rent growth · sell at horizon

5-year hold

• IRR: -23.9%
• Equity multiple: 0.18×
• Total profit: $-77,918
• Equity at exit: $50,695

10-year hold

• IRR: -18.8%
• Equity multiple: -0.02×
• Total profit: $-96,688
• Equity at exit: $29,397

Cash invested: $95,200 (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 34771

• Home prices YoY: -30.0%
• Rents YoY: 3.0%
• Active inventory: 1378
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,726 high
• Mortgage (P&I): −$1,783
• Tax est. 1.5%: −$425 /mo · $5,100/yr
• Insurance: −$142
• HOA: −$165
• Vacancy / Maint / Mgmt: −$572
• Net cashflow: $-361

Break-even live

Break-even rent $3,183

Max offer price $287,697

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: $85,000
• Closing costs: $10,200
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5261 Luisa Ct Saint Cloud, FL	4.0	2.5	1860	$2,350	$1.26	24d	1	0.03mi
5273 Luisa Ct Saint Cloud, FL	4.0	2.5	1860	$2,375	$1.28	12d	1	0.04mi
5327 Timberland Ave Saint Cloud, FL	4.0	2.0	1828	$2,550	$1.39	24d	1	0.36mi
1260 Stockwell Ave Saint Cloud, FL	4.0	3.0	1786	$2,390	$1.34	24d	1	0.37mi
1305 Stockwell Ave Saint Cloud, FL	3.0	2.5	1704	$2,169	$1.27	4d	1	0.39mi
5265 Luke Hammock St Saint Cloud, FL	4.0	2.5	2168	$2,660	$1.23	4d	1	0.61mi
1610 Spray Ter Saint Cloud, FL	3.0	2.0	1672	$2,599	$1.55	14d	1	0.64mi
94 Polermo Ave Saint Cloud, FL	3.0	2.0	1990	$2,450	$1.23	7d	1	0.66mi
504 Enaya St Saint Cloud, FL	4.0	2.0	1825	$3,100	$1.70	24d	1	0.68mi
18 Polermo Ave Saint Cloud, FL	3.0	2.5	1982	$2,400	$1.21	22d	1	0.71mi
1560 Scarbrough Abby Pl Saint Cloud, FL	4.0	2.0	2004	$2,475	$1.24	20d	1	0.73mi
510 Whistling Duck Trl Saint Cloud, FL	4.0	3.0	2368	$2,525	$1.07	3d	1	0.79mi
5580 Vigo Loop Saint Cloud, FL	4.0	2.0	2021	$2,849	$1.41	14d	1	0.81mi
234 Polermo Ave Saint Cloud, FL	4.0	2.0	1825	$2,490	$1.36	24d	1	0.90mi
1817 Stillwood Way Saint Cloud, FL	5.0	2.5	2518	$3,089	$1.23	24d	1	0.92mi
4843 Calasans Ave Saint Cloud, FL	4.0	3.0	2022	$2,600	$1.29	7d	1	0.97mi
5614 Stockade Blvd Saint Cloud, FL	3.0	2.5	1760	$2,395	$1.36	17d	1	1.00mi
600 Talisi Loop Saint Cloud, FL	3.0	2.0	1676	$2,450	$1.46	4d	1	1.05mi
5566 Sabal Dr Saint Cloud, FL	4.0	3.0	2105	$2,700	$1.28	14d	1	1.08mi
5566 Sabal Dr Saint Cloud, FL	4.0	3.0	2126	$2,699	$1.27	7d	1	1.08mi
416 Preston Cove Dr Saint Cloud, FL	3.0	2.5	2614	$2,150	$0.82	17d	1	1.10mi
994 Teal Creek Dr Saint Cloud, FL	4.0	2.5	1790	$2,799	$1.56	24d	1	1.16mi
399 Tanis Ave Saint Cloud, FL	4.0	2.0	1846	$2,375	$1.29	24d	1	1.16mi
564 Preston Cove Dr Saint Cloud, FL	3.0	2.5	1551	$2,080	$1.34	24d	1	1.20mi
1029 Ladyfish Trl Saint Cloud, FL	4.0	2.5	2197	$3,100	$1.41	14d	1	1.20mi
588 Preston Cove Dr Saint Cloud, FL	3.0	2.5	1553	$2,250	$1.45	3d	1	1.22mi
764 Preston Cove Dr Unit 1 St Cloud, FL	3.0	2.5	1463	$2,100	$1.44	24d	1	1.22mi
1217 Grassland Ave Saint Cloud, FL	4.0	3.0	2185	$2,900	$1.33	24d	1	1.24mi
5172 Goldfinch Dr Saint Cloud, FL	3.0	2.5	1992	$2,600	$1.31	17d	1	1.25mi
5686 Stockade Blvd Saint Cloud, FL	3.0	2.5	1496	$2,150	$1.44	7d	1	1.26mi
5752 Anders Way Saint Cloud, FL	3.0	2.5	1700	$2,500	$1.47	24d	1	1.35mi
419 Conway Ave Saint Cloud, FL	4.0	2.0	1910	$2,750	$1.44	7d	1	1.36mi
1166 Silo Dr Saint Cloud, FL	3.0	3.0	1856	$2,499	$1.35	16d	1	1.37mi
5274 Kildare Pl Saint Cloud, FL	4.0	2.5	1790	$2,700	$1.51	24d	1	1.38mi
5788 Freshwater Canyon Dr Saint Cloud, FL	3.0	2.5	1705	$2,250	$1.32	14d	1	1.42mi
1479 Silver Maple Dr Saint Cloud, FL	3.0	2.5	1654	$2,312	$1.40	1d	6	1.43mi
5778 Waterman Path Saint Cloud, FL	3.0	2.5	1946	$2,295	$1.18	24d	1	1.45mi

HOA detail

• Monthly dues: $165 · $1,980/yr
• Likely covers: landscaping

Listing history 24 events

1. 2026-06-18
   days on market $339,999 Active 111 DOM
2. 2026-06-17
   days on market $339,999 Active 110 DOM
3. 2026-06-16
   days on market $339,999 Active 109 DOM
4. 2026-06-15
   days on market $339,999 Active 108 DOM
5. 2026-06-13
   days on market $339,999 Active 106 DOM
6. 2026-06-13
   days on market $339,999 Active 105 DOM
7. 2026-06-09
   days on market $339,999 Active 102 DOM
8. 2026-06-08
   days on market $339,999 Active 101 DOM
9. 2026-06-07
   days on market $339,999 Active 100 DOM
10. 2026-06-04
    days on market $339,999 Active 97 DOM
11. 2026-06-03
    days on market $339,999 Active 96 DOM
12. 2026-06-02
    days on market $339,999 Active 95 DOM
13. 2026-06-02
    days on market $339,999 Active 94 DOM
14. 2026-05-31
    days on market $339,999 Active 93 DOM
15. 2026-05-20
    price $339,998 1495-char remark

    Show marketing remark (1495 chars)

    Under Construction | Estimated Completion: June, 2026 This quaint townhome community is just minutes from Lake Nona, without the Lake Nona price tag! Welcome to The Hazel, a thoughtfully designed four-bedroom townhome with a two-car garage, delivering the space, comfort, and livability of a single-family home in Terra Haven, a new low-maintenance community ideally located near Lake Nona, Medical City, Orlando International Airport, SR-417, and Florida's Turnpike. This versatile floor plan features 4 bedrooms plus a spacious loft, perfect for a home office, media room, or play area. The open-concept main living space is enhanced by 9'4" first-floor ceilings, an 8' front entry door, and tile flooring throughout the first floor, creating a bright, airy atmosphere designed for modern living. An attached two-car garage adds everyday convenience and storage. The gourmet kitchen is both stylish and functional, showcasing 42" cabinets, stainless steel appliances, granite countertops, an oversized center island, and a walk-in pantry-offering generous cabinet and countertop space ideal for entertaining or daily life. Triple sliding glass doors lead to a 24' wide covered lanai, extending your living space outdoors and overlooking a private backyard framed by lush trees, perfect for morning coffee or evening relaxation. Additional features include a paver driveway and lead walk, energy-efficient construction, lawn care included, low HOA dues, and NO CDD fees, allowing. ..

16. 2026-05-20
    price $339,999

    Show marketing remark (1495 chars)

    Under Construction | Estimated Completion: June, 2026 This quaint townhome community is just minutes from Lake Nona, without the Lake Nona price tag! Welcome to The Hazel, a thoughtfully designed four-bedroom townhome with a two-car garage, delivering the space, comfort, and livability of a single-family home in Terra Haven, a new low-maintenance community ideally located near Lake Nona, Medical City, Orlando International Airport, SR-417, and Florida's Turnpike. This versatile floor plan features 4 bedrooms plus a spacious loft, perfect for a home office, media room, or play area. The open-concept main living space is enhanced by 9'4" first-floor ceilings, an 8' front entry door, and tile flooring throughout the first floor, creating a bright, airy atmosphere designed for modern living. An attached two-car garage adds everyday convenience and storage. The gourmet kitchen is both stylish and functional, showcasing 42" cabinets, stainless steel appliances, granite countertops, an oversized center island, and a walk-in pantry-offering generous cabinet and countertop space ideal for entertaining or daily life. Triple sliding glass doors lead to a 24' wide covered lanai, extending your living space outdoors and overlooking a private backyard framed by lush trees, perfect for morning coffee or evening relaxation. Additional features include a paver driveway and lead walk, energy-efficient construction, lawn care included, low HOA dues, and NO CDD fees, allowing. ..

17. 2026-05-02
    price $358,999 1495-char remark

    Show marketing remark (1495 chars)

    Under Construction | Estimated Completion: June, 2026 This quaint townhome community is just minutes from Lake Nona, without the Lake Nona price tag! Welcome to The Hazel, a thoughtfully designed four-bedroom townhome with a two-car garage, delivering the space, comfort, and livability of a single-family home in Terra Haven, a new low-maintenance community ideally located near Lake Nona, Medical City, Orlando International Airport, SR-417, and Florida's Turnpike. This versatile floor plan features 4 bedrooms plus a spacious loft, perfect for a home office, media room, or play area. The open-concept main living space is enhanced by 9'4" first-floor ceilings, an 8' front entry door, and tile flooring throughout the first floor, creating a bright, airy atmosphere designed for modern living. An attached two-car garage adds everyday convenience and storage. The gourmet kitchen is both stylish and functional, showcasing 42" cabinets, stainless steel appliances, granite countertops, an oversized center island, and a walk-in pantry-offering generous cabinet and countertop space ideal for entertaining or daily life. Triple sliding glass doors lead to a 24' wide covered lanai, extending your living space outdoors and overlooking a private backyard framed by lush trees, perfect for morning coffee or evening relaxation. Additional features include a paver driveway and lead walk, energy-efficient construction, lawn care included, low HOA dues, and NO CDD fees, allowing. ..

18. 2026-05-01
    price $358,999
19. 2026-03-04
    price $359,485 1495-char remark

    Show marketing remark (1495 chars)

    Under Construction | Estimated Completion: June, 2026 This quaint townhome community is just minutes from Lake Nona, without the Lake Nona price tag! Welcome to The Hazel, a thoughtfully designed four-bedroom townhome with a two-car garage, delivering the space, comfort, and livability of a single-family home in Terra Haven, a new low-maintenance community ideally located near Lake Nona, Medical City, Orlando International Airport, SR-417, and Florida's Turnpike. This versatile floor plan features 4 bedrooms plus a spacious loft, perfect for a home office, media room, or play area. The open-concept main living space is enhanced by 9'4" first-floor ceilings, an 8' front entry door, and tile flooring throughout the first floor, creating a bright, airy atmosphere designed for modern living. An attached two-car garage adds everyday convenience and storage. The gourmet kitchen is both stylish and functional, showcasing 42" cabinets, stainless steel appliances, granite countertops, an oversized center island, and a walk-in pantry-offering generous cabinet and countertop space ideal for entertaining or daily life. Triple sliding glass doors lead to a 24' wide covered lanai, extending your living space outdoors and overlooking a private backyard framed by lush trees, perfect for morning coffee or evening relaxation. Additional features include a paver driveway and lead walk, energy-efficient construction, lawn care included, low HOA dues, and NO CDD fees, allowing. ..

20. 2026-03-03
    price $359,485
21. 2026-02-27
    listed $358,485 Active 1495-char remark

    Show marketing remark (1495 chars)

    Under Construction | Estimated Completion: June, 2026 This quaint townhome community is just minutes from Lake Nona, without the Lake Nona price tag! Welcome to The Hazel, a thoughtfully designed four-bedroom townhome with a two-car garage, delivering the space, comfort, and livability of a single-family home in Terra Haven, a new low-maintenance community ideally located near Lake Nona, Medical City, Orlando International Airport, SR-417, and Florida's Turnpike. This versatile floor plan features 4 bedrooms plus a spacious loft, perfect for a home office, media room, or play area. The open-concept main living space is enhanced by 9'4" first-floor ceilings, an 8' front entry door, and tile flooring throughout the first floor, creating a bright, airy atmosphere designed for modern living. An attached two-car garage adds everyday convenience and storage. The gourmet kitchen is both stylish and functional, showcasing 42" cabinets, stainless steel appliances, granite countertops, an oversized center island, and a walk-in pantry-offering generous cabinet and countertop space ideal for entertaining or daily life. Triple sliding glass doors lead to a 24' wide covered lanai, extending your living space outdoors and overlooking a private backyard framed by lush trees, perfect for morning coffee or evening relaxation. Additional features include a paver driveway and lead walk, energy-efficient construction, lawn care included, low HOA dues, and NO CDD fees, allowing. ..

22. 2026-02-27
    listed $358,485 Active

    Show marketing remark (1495 chars)

    Under Construction | Estimated Completion: June, 2026 This quaint townhome community is just minutes from Lake Nona, without the Lake Nona price tag! Welcome to The Hazel, a thoughtfully designed four-bedroom townhome with a two-car garage, delivering the space, comfort, and livability of a single-family home in Terra Haven, a new low-maintenance community ideally located near Lake Nona, Medical City, Orlando International Airport, SR-417, and Florida's Turnpike. This versatile floor plan features 4 bedrooms plus a spacious loft, perfect for a home office, media room, or play area. The open-concept main living space is enhanced by 9'4" first-floor ceilings, an 8' front entry door, and tile flooring throughout the first floor, creating a bright, airy atmosphere designed for modern living. An attached two-car garage adds everyday convenience and storage. The gourmet kitchen is both stylish and functional, showcasing 42" cabinets, stainless steel appliances, granite countertops, an oversized center island, and a walk-in pantry-offering generous cabinet and countertop space ideal for entertaining or daily life. Triple sliding glass doors lead to a 24' wide covered lanai, extending your living space outdoors and overlooking a private backyard framed by lush trees, perfect for morning coffee or evening relaxation. Additional features include a paver driveway and lead walk, energy-efficient construction, lawn care included, low HOA dues, and NO CDD fees, allowing. ..

23. 2025-07-15
    soldstatus $1,096,000
24. 2024-04-16
    soldstatus $2,240,000

ⓘ 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 X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 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

Taxation est. · year 1

• Rental income: $32,707
• − Mortgage interest: −$19,045
• − Property taxes: −$5,100
• − Insurance: −$1,700
• − Repairs & maintenance: −$2,617
• − Management: −$2,617
• − HOA: −$1,980
• − Depreciation: −$9,891
• Taxable loss: −$10,242
• Est. tax savings @ 24.0%: +$2,458
• After-tax cash flow: $-1,879/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): 35,257
• Household income: $97,415
• Rent vs Own: 15.0% rent · 85.0% own
• Severe rent burden: 338.0

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: 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
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-84.8% since first listed

10 events — show timeline

• 2026-05-20 Price Changed $339,998 Zillow
• 2026-05-20 Price Changed $339,999 Stellar MLS as Distributed by MLS Grid
• 2026-05-02 Price Changed $358,999 Zillow
• 2026-05-01 Price Changed $358,999 Stellar MLS as Distributed by MLS Grid
• 2026-03-04 Price Changed $359,485 Zillow
• 2026-03-03 Price Changed $359,485 Stellar MLS as Distributed by MLS Grid
• 2026-02-27 Listed $358,485 Zillow
• 2026-02-27 Listed $358,485 Stellar MLS as Distributed by MLS Grid
• 2025-07-15 Sold (Public Records) $1,096,000 Public Records
• 2024-04-16 Sold (Public Records) $2,240,000 Public Records

Property tax history

+40.9%/yr

Latest (2025): $554 · +100.7% YoY. Source: county tax records.