Off-Market~$110K Spread

Duplex — Two 2/1 Units, 1,768 sq ft Total

Osceola County · St. Cloud
Starting at $320,000

A true duplex — a 2/1 on each side — with the roof, AC and plumbing already updated.

About This Property

Small multifamily is thin on the ground in central St. Cloud, which is what makes this worth a look. It is a genuine duplex, a two-bed one-bath on each side, about 1,768 square feet in total, built 1990. The seller reports the expensive items are already done: newer roof, updated air conditioning, updated plumbing.

That leaves cosmetics, and the seller's allowance of $20,000 across both units reflects it. Two units under one roof spreads your vacancy risk and gives you a second exit — sell to an investor on the income, or to an owner-occupier who rents the other side. Combined rent per the seller is $2,800 a month against estimated taxes of $3,500 a year and no HOA.

Property Details

  • Property typeDuplex — 2/1 each side
  • Bedrooms4 total (2 per unit)
  • Bathrooms2 total (1 per unit)
  • Living area~1,768 sq ft total
  • Year built1990
  • HOANone per seller
  • Estimated taxes~$3,500/yr
  • Street addressOn record — released to registered buyers

Condition & Scope

  • RoofNewer (per seller)
  • Air conditioningUpdated (per seller)
  • PlumbingUpdated (per seller)
  • ScopeCosmetic — seller allows ~$20,000 across both units

Comparables

  • Seller-provided after-repair value of $430,000 — not independently verified by us
  • Seller's renovation allowance: ~$20,000
  • Seller estimates combined rent at $2,800/mo

Ask and we will pull county sold comps and underwrite this deal with you before you offer.

Offer Terms

  • Accepted financingCash · hard-money / private
  • Proof of fundsRequired with offer
  • Earnest moneyDue at contract signing
  • Closing costsTypically buyer-paid
  • TimelineQuick close preferred

Terms are typical for these opportunities — exact figures and title company confirmed with your offer.

How It Works

Is this property on the MLS?

No. These are off-market opportunities shared privately with our buyer network before they ever hit the open market — so you avoid bidding wars and retail competition.

Can I walk the property before I offer?

Yes — walkthroughs are by appointment. Reach out and we'll coordinate access or share a walkthrough video where one is available.

What do I need to lock it up?

A signed agreement, proof of funds, and an earnest-money deposit. Cash or hard-money / private financing moves fastest.

Do you have comps and a full numbers breakdown?

ARV and rehab figures on most listings come from the seller, and we label them that way rather than presenting them as our own analysis. Ask, and we will pull county sold comps and underwrite the deal with you before you make an offer. On some listings that work is already done.

How quickly can we close?

As fast as title allows. Quick, clean closings are preferred and often part of securing the best price.

To schedule a walkthrough or submit an offer, contact:
Stephen Tilton — FLA Private Deals
📲 407-955-2759  |  📧 StephenLifeFL@gmail.com
Unlock Address & Numbers

All figures (after-repair value, rehab estimates, rents, and spreads) are estimates provided for investor convenience and are not guaranteed. Buyers should perform their own due diligence and verify all numbers, condition, square footage, and zoning independently. Property offered for off-market sale; details subject to change or prior sale.