Real Estate Investing in Saint Cloud, Florida (34769)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 34769 (Saint Cloud, FL)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 16.4% of homes vacant — above national norms.
What’s happening in Saint Cloud, FL (34769)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 34769 Saint Cloud
Investors eyeing 34769 need to respect the fundamentals at play. Home values of $319K come alongside slower price movement and elevated management overhead.
Rent of $1,911/mo on a $319K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 34769 sits below the stated 0.0% once reality is priced in.
Looking more closely, 34769 offers a low basis, the region around Saint Cloud has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
From a cash-flow lens, 29,247 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
The right play in 34769 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Saint Cloud:
Property Strategy for 34769
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $178,373 | $1,420 | 5.7% | +6.3% | $178,373 |
| 2BR | $239,208 | $1,620 | 4.9% | +7.4% | $119,604 |
| 3BR | $323,357 | $2,030 | 4.5% | +7.7% | $107,786 |
| 4BR | $390,577 | $2,400 | 4.4% | +8.1% | $97,644 |
| 5BR | $489,607 | — | — | +8.1% | $97,921 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 34769 Compare?
| Metric | 34769 | Saint Cloud | Orlando-Kissimmee-Sanford, FL | Florida |
|---|---|---|---|---|
| Home Value | $318,664 | $384,454 | N/A | $374,697 |
| 5-Year CAGR | 4.9% | 3.6% | N/A | 7.4% |
| Avg Rent | $1,911 | $2,230 | N/A | - |
| Cap Rate | 4.7% | 4.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 34769 (Saint Cloud, FL). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 34769 (Saint Cloud, FL)?
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Property managers serving Osceola County
Manage rentals here? List your business →Towers Property Management provides community association management services to homeowners associations and condominium associations in Central Florida, including Orlando, Altamonte Springs, Oviedo, summary from their website
Paragon Property Services, LLC offers full-service home inspection services in Central Florida, including Lake, Sumter, Seminole, Orange, Osceola, Polk, Pasco, Hernando, Hillsborough, Volusia, and Cit summary from their website
Park Avenue Property Management provides property management services in Orlando and Central Florida. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $318,664 |
| Monthly Rent | $1,911 |
| Price-to-Rent | 13.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.2% |
| Cap Rate | 4.7% |
| 5-Year IRR | 9.6% |
📈 Home Appreciation
| 1-Year | -0.8% ▼ |
| 3-Year CAGR | -0.5% ▼ |
| 5-Year CAGR | +4.9% ▲ |
| 10-Year CAGR | +7.6% ▲ |
🏠 Rent Trends
| 1-Year | -8.4% ▼ |
| 3-Year CAGR | -1.7% ▼ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.7%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 34769
Population: 29,247
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 34769
Schools in This ZIP Code
About Repit School Scores
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We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How strong is Saint Cloud, FL for real estate investors?
Saint Cloud, FL scores 3.0/5 for investability. Home values sit at $319K and rents near $1,911/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Which real estate strategy fits Saint Cloud, FL?
The best-fit strategy in Saint Cloud, FL is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
How much rent can I charge in Saint Cloud, FL?
Saint Cloud, FL rentals go for roughly $1,911/mo a month. That puts gross yield in solid territory relative to $319K acquisition costs.
How do landlord-tenant laws work in Saint Cloud, FL?
FL law landlord-friendly for landlords, and Saint Cloud inherits those rules. Investors should still review local ordinances for rental licensing.
What is the typical home price in Saint Cloud, FL?
In Saint Cloud, FL the median home value sits at $319K. Against the broader FL market, that reads as reasonable for most investors.
You know 34769 now. You don’t know where it ranks.
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How 34769 ranks in Orlando-Kissimmee-Sanford, FL
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