Wholesaling Real Estate in Osceola County, Florida
Osceola County wholesalers earn money on houses they never buy, fix, or hold. The work is finding a distressed property, putting it under contract with a motivated owner, and assigning that contract to a cash investor for a fee.
Every Osceola County foreclosure runs through Ninth Judicial Circuit court, so the wholesalers who win are the ones who contact owners well before the clerk's sale.
Hear From Our Customers
Click a profile to watch their video or read their story.
Osceola County, Florida housing market at a glance
Market data: Realtor.com Osceola County housing market, October 2026. Zillow Home Value Index for Osceola County: $359,490 (down 3.2% from a year earlier), August 2026. View homes on Zillow.
Why Osceola County works for wholesalers
You can lock up a Kissimmee or St. Cloud house with a signed contract and a modest earnest money deposit, without taking out a loan. Repairs belong to the buyer you assign to, and plenty of Osceola assignments close within a few weeks.
The county's ZIP codes stretch from Intercession City and Buena Ventura Lakes to Kenansville and St. Cloud, and every one of them produces inherited homes, tired rentals, and pre-foreclosures.
A county of Osceola's size sees probate cases, divorce filings, and foreclosure suits every month. Investors who follow those filings and reach owners early land the best off-market contracts.
How an Osceola County wholesale deal comes together
An Osceola County deal moves through these stages on the way to your fee:
- Find a distressed property
Find Osceola owners with a real reason to sell, including heirs, vacation-home landlords who want out, and homeowners facing foreclosure. - Run the numbers
Estimate the after-repair value (ARV) from recent sales close by in the same Osceola community, since your offer rests on it. - Sign a purchase contract
Negotiate a price that still leaves your buyer a profit after your fee. - Find a cash buyer
Present the contract to a flipper, landlord, or cash investor from your Osceola buyers list. - Assign the contract
Assign your rights under the contract to that buyer in exchange for your fee. - Collect your fee
Your fee is usually paid at closing by the title company or closing attorney.
Motivated sellers who want to liquidate fast
For this reason, ForeclosuresDaily.com’s off-market real estate platform covers every major distress signal in Osceola County, cross-referenced with tax rolls and property appraiser records.
Figuring an Osceola County wholesale offer
ARV, the home's value once repaired, is where every Osceola offer begins.
A buyer following the 70% Rule pays at most 70% of ARV less repairs. Since your fee comes from that figure, your contract with the seller has to be priced lower still.
Wholesale offer example
| Step | Amount |
|---|---|
| ARV | $410,000 |
| 70% of ARV − repairs ($33,000) | $254,000 |
| Your assignment fee | − $12,000 |
| Your contract price |
Osceola County ZIP codes to track
Work these Osceola ZIP codes first, then expand once your buyers show you which communities they want. Select a ZIP for its data.
ZIP 33848 · Intercession Cit · Wholesale
Intercession City (33848) has a Zillow Home Value Index of $210,082 for August 2026, up 2.1% from the year before.
ZIP 33848 is part of Intercession City, FL.
Investor note: Intercession City is a small community with the lowest home value index on this page, so probate, pre-foreclosure, and absentee-owner lists for 33848 are the most direct path to a motivated seller.
ZIP 34739 · Kenansville · Wholesale
Market snapshot: Kenansville (34739)
Kenansville (34739) shows a Zillow Home Value Index of $408,903 as of August 2026, a 4.7% yearly gain.
Kenansville is an unincorporated community in Osceola County, Florida. It is approximately sixty-one miles southeast of the Greater Orlando urban region.
Investor note: Kenansville is unincorporated, so Osceola County, not a city, handles permits, liens, and code enforcement; pull those records from the county for 34739.
ZIP 34741 · Kissimmee · $315,500 · Flip & wholesale
Market snapshot: Kissimmee (34741)
| Metric | Value |
|---|---|
| Median listing price | $315,500 ▲ 1.8% |
| Price per sq ft | $198 |
| Days on market | 84 days ▼ 7.7% |
| Median rent | $1,800 ▼ 2.7% |
| Active listings | 304 ▲ 2.3% |
| Gross rent yield | 6.8% |
In Kissimmee's 34741, the Zillow Home Value Index dropped 4.1% over the year to $284,955 in August 2026.
Kissimmee is the largest city and county seat of Osceola County, Florida. It is a principal city of the Orlando-Kissimmee-Sanford, Florida, Metropolitan Statistical Area. Population: 79,226. ZIP 34741 covers the northeastern part of Kissimmee, about 3 miles from the center of the city.
Investor note: 34741 sits inside the city of Kissimmee, so check the city's code-violation, vacant-property, and rental-registration lists. As the largest city in the county, Kissimmee offers steady deal flow and plenty of comps.
Max offer when the ARV equals the median price: $315,500 × 70% − $25,000 repairs = $195,850 max offer
ZIP 34743 · Buena Ventura La · $344,500 · Negotiate
| Metric | Value |
|---|---|
| Median listing price | $344,500 ▼ 4.2% |
| Price per sq ft | $229 |
| Days on market | 65 days ▲ 3.9% |
| Median rent | $1,897 ▼ 5.2% |
| Active listings | 143 ▲ 1.4% |
| Gross rent yield | 6.6% |
Buena Ventura Lakes (34743) carries a Zillow Home Value Index of $338,029 for August 2026, 2.7% below a year earlier.
ZIP 34743 is part of Kissimmee, FL.
Max offer when the ARV equals the median price: $344,500 × 70% − $28,000 repairs = $213,150 max offer
ZIP 34744 · Kissimmee · $415,000 · Negotiate
Market snapshot: Kissimmee (34744)
| Metric | Value |
|---|---|
| Median listing price | $415,000 ▼ 3.5% |
| Price per sq ft | $215 |
| Days on market | 76 days ▲ 7% |
| Median rent | $2,300 ▼ 4.2% |
| Active listings | 492 ▲ 13% |
| Gross rent yield | 6.7% |
The 34744 Zillow Home Value Index came in at $380,668 in August 2026, down 2.5% on the year.
ZIP 34744 covers the northeastern part of Kissimmee, about 6 miles from the center of the city.
Investor note: Prices shift a lot across Kissimmee, so build ARV for 34744 from sales inside this ZIP instead of citywide numbers.
Max offer when the ARV equals the median price: $415,000 × 70% − $33,000 repairs = $257,500 max offer
ZIP 34747 · Kissimmee · $449,945 · Negotiate
Market snapshot: Kissimmee (34747)
| Metric | Value |
|---|---|
| Median listing price | $449,945 ▼ 6.9% |
| Price per sq ft | $222 |
| Days on market | 106 days ▲ 0.9% |
| Median rent | $2,799 ▲ 12% |
| Active listings | 1,076 ▼ 10.6% |
| Gross rent yield | 7.5% |
Kissimmee's 34747 shows a Zillow Home Value Index of $398,281 as of August 2026, 3% lower than the prior year.
ZIP 34747 covers the western part of Kissimmee, about 9 miles from the center of the city.
Max offer when the ARV equals the median price: $449,945 × 70% − $36,000 repairs = $278,962 max offer
ZIP 34758 · Kissimmee · $318,950 · Negotiate
Market snapshot: Kissimmee (34758)
| Metric | Value |
|---|---|
| Median listing price | $318,950 ▼ 6.2% |
| Price per sq ft | $178 |
| Days on market | 70 days |
| Median rent | $1,900 ▼ 2.6% |
| Active listings | 509 ▲ 6.4% |
| Gross rent yield | 7.1% |
In 34758, the Zillow Home Value Index was $306,302 for August 2026, a 3.9% annual decline.
ZIP 34758 covers the southwestern part of Kissimmee, about 5 miles from the center of the city.
Max offer when the ARV equals the median price: $318,950 × 70% − $26,000 repairs = $197,265 max offer
ZIP 34769 · Saint Cloud · $319,000 · Negotiate
Market snapshot: Saint Cloud (34769)
| Metric | Value |
|---|---|
| Median listing price | $319,000 ▼ 3.1% |
| Price per sq ft | $212 |
| Days on market | 74 days ▼ 10.6% |
| Median rent | $1,840 ▼ 5.6% |
| Active listings | 225 ▲ 1.3% |
| Gross rent yield | 6.9% |
St. Cloud's 34769 posts a Zillow Home Value Index of $313,746 in August 2026, down 2.5% over the year.
St. Cloud or Saint Cloud is a city in northern Osceola County, Florida. It is on the southern shore of East Lake Tohopekaliga in Central Florida, about 26 miles southeast of Orlando. The city is part of the Orlando–Kissimmee–Sanford metropolitan area.
Cloud was founded as a retirement community for Union army veterans of the Civil War, and gained the nickname "The Friendly Soldier City". Population: 58,964 (2020 census). ZIP 34769 covers the northwestern part of Saint Cloud, about 5 miles from the center of the city.
Investor note: 34769 borders East Lake Tohopekaliga, where lake-view and water-access homes can sell at a premium; compare ARV only against similar lakeside sales and check the flood zone.
Max offer when the ARV equals the median price: $319,000 × 70% − $26,000 repairs = $197,300 max offer
ZIP 34771 · Saint Cloud · $479,900 · Wholesale
Market snapshot: Saint Cloud (34771)
| Metric | Value |
|---|---|
| Median listing price | $479,900 ▲ 0.2% |
| Price per sq ft | $221 |
| Days on market | 82 days ▲ 7.9% |
| Median rent | $2,400 |
| Active listings | 1,101 ▲ 0.2% |
| Gross rent yield | 6.0% |
The Zillow Home Value Index in St. Cloud's 34771 slipped 4% to $431,565 as of August 2026.
ZIP 34771 covers the northern part of Saint Cloud, about 4 miles from the center of the city.
Investor note: St. Cloud values differ from one side of town to the other, so pull comps for 34771 from within the ZIP rather than across the whole city.
Max offer when the ARV equals the median price: $479,900 × 70% − $38,000 repairs = $297,930 max offer
ZIP 34772 · Saint Cloud · $434,990 · Wholesale
Market snapshot: Saint Cloud (34772)
| Metric | Value |
|---|---|
| Median listing price | $434,990 ▼ 1.1% |
| Price per sq ft | $210 |
| Days on market | 67 days ▼ 4.3% |
| Median rent | $2,350 ▼ 2.1% |
| Active listings | 788 ▲ 28.4% |
| Gross rent yield | 6.5% |
St. Cloud's 34772 has a Zillow Home Value Index of $393,717 for August 2026, 3.2% under the year before.
ZIP 34772 covers the southwestern part of Saint Cloud, about 4 miles from the center of the city.
Max offer when the ARV equals the median price: $434,990 × 70% − $35,000 repairs = $269,493 max offer
Gross rent yield is 12 months of median rent divided by the median listing price, and the max offer uses repairs of 8% of the median price.
Building an Osceola County buyers list
Collect Osceola buyers before you sign your first contract. Prioritize Osceola cash buyers who can close fast, like flippers, landlords, and small builders.
How Florida contract assignment works for Osceola deals
Wholesaling is legal in most states, but the rules vary, and some require disclosures or a license for certain activities. Have a Florida real estate attorney review your contracts before your first Osceola County deal.
ForeclosuresDaily off-market opportunities before your competition
Osceola County at a glance
Florida forecloses through the circuit court, and the county clerk runs the sale, often online.
An owner can redeem only until the clerk files the certificate of sale, so owners behind on a mortgage have a short window to sell. For Osceola County wholesalers, the weeks before the sale are usually the best time to make an offer.
Sources: U.S. Census Bureau QuickFacts, Osceola County, Florida (2020 to 2024 American Community Survey; population estimate for July 1, 2025) and state foreclosure law summary.
In fact, since 2004, ForeclosuresDaily.com has helped investors, wholesalers, flippers, and agents reach motivated sellers first.
Osceola County wholesaling FAQ
How do I wholesale a house in Osceola County?
Is wholesaling legal in Florida?
What does an Osceola County wholesale deal pay?
Which Osceola County ZIP codes cost the least?
How do Osceola County foreclosures begin?
Start getting Osceola County wholesale leads
Targeted, current off-market data for Intercession City, Kenansville, Kissimmee, St. Cloud, and the rest of Osceola County.