Saint Cloud 34771

Osceola County, FL · 29,360 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

57affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
26.2%
affordable
Days on market
89
daily
Price cuts
33.4%
of active
Valuation
-29.8%
vs assessor
Look up an address
47
/100
Mixed
cooling · balanced · prices easing year-over-year.
Price trend
2
Affordability
85
Valuation
50
Economic health
57

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

69/ 100SellerBalancedBuyer
Negotiate Hard
DOM: 95d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)100
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)50
Days on Market (5%)100

Moderate buyer leverage in 34771. Room to negotiate 5-10% below list. Payment burden: 26.2% of median income. Median days on market: 95. Renting is approximately 26% cheaper than buying (price-to-rent ratio: 15.1). Market appears 42% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 4.1% YoY.

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Market snapshoteach number, once

Median price
$438,187
▾ 4.1% YoY
Days on market
89
daily · zip_data
Median rent
$2,418
ZORI
Investor score
60/100
cash-flow lens
Active listings
465
90-day

Valuation3 lenses, different anchors

vs assessor
-29.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$307,500
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+64.5%
County-wide market — the widest, slowest signal.
Osceola+64.5%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$209
Price-to-income4.3×

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How 34771 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity25%
Supply tightness0%
Affordability73%
Investment yield51%
Appreciation18%

Affordability, supply & momentum

12SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply18.9 mo
Days on Market89d
Inv vs History-7.2%
Listing Density56.1/1k
Affordability — payment burden
Monthly payment (P&I)$2,213
Payment burden26.2%
Median income · ZIP$101,434
Mortgage rate6.49% · 30yr
Total monthly own$2,652
Monthly rent$2,418
Market dynamics
Price cut %33.4%
Momentumcooling
LeverageBALANCED
Months of supply18.9
Sales (90d)0
Investment analysis
Median rent$2,418
Price-to-rent15.1
Est. cap rate4.3%
Buy vs rentneutral

Livability

Walk score1
Transit score
Bike score

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Osceola County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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