439 N Allen St · Bennington, NE 68007

$335,000

3 bd · 3.0 ba · 2,005 sqft · SingleFamily public records · 9 Days on market

Built 2020 5,227 sqft lot $167/sqft · 19% below area Est $413k · 19% under $175/mo HOA · 7% of rent

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Why this score? — see what drove the D- 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).

• ARV discount +15.0/15.0
• Schools +6.1/10.0
• Cash flow +5.7/30.0
• Rent growth +4.0/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• 1% rule +2.1/10.0
• DSCR +0.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

The Annika Floorplan brought to you by Viking Homes! Modern exterior elevation and feel. This floorplan proudly features high end finishes, functional living spaces and an affordable price! The main level has three bedrooms! Generous family room space with cozy stone fireplace and desirable open feel to the kitchen. Quartz countertops, custom backslash, gas range and large pantry. Fridge included too! Master bedroom has large closet and and fantastic bathroom. Laundry on main level plus drop zone area with lockers. Finished lower level includes rec room, 2 bedrooms and full bath! We give you Timberteck deck off the kitchen to overlook trees and private backyard. Home includes Hardi Siding, sprinklers and custom lighting. Maintenance Free Living includes trash service, lawn fertilization,mowing and neighborhood maintenance.

Key facts

• Custom backsplash
• Cozy stone fireplace
• Quartz countertops

Tags

• MAIN FLOOR OFFICE
• SPACIOUS PRIMARY SUITE
• COZY STONE FIREPLACE
• QUARTZ COUNTERTOPS
• CUSTOM BACKSPLASH
• GAS RANGE

Property features AI

Finance

• HOA & community: Has association with $175 monthly fee

Exterior

• Parking: Attached 2-car garage; Two covered parking spaces
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Residential property; Not new (built 2020); Two-story implied by finished areas and basement; Entry level/main floor living spaces face unspecified direction
• Construction: Built in 2020; Composition roof; Concrete perimeter foundation
• Exterior features: Covered deck/patio; City lot, subdivided; Lot approximately 0.12 acre (120 x 45)

Interior

• Kitchen: Kitchen located on main floor
• Bedrooms: Primary bedroom on main floor with ceiling fan and walk-in closet; Bedroom 2 on main floor with ceiling fan; Bedroom 3 in basement with walk-in closet; Bedroom 4 in basement
• Flooring: Wall-to-wall carpeting in office and multiple bedrooms
• Bathrooms: Three bathrooms total (two full, one three-quarter); Two bathrooms on the main level
• Heating & cooling: Natural gas forced-air heating; Central air conditioning
• Interior features: Living room fireplace; One fireplace total

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $335k.

Deal economics

• At list price, monthly cash flow is $-682 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $214k (36.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $239k (28.5% below list).
• Recommended offer: $214k (36.0% below list) — sets the bar for cash-flow.
• Cap rate 3.8% vs local median 3.0% in Bennington — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 79/100 on livability (#38 in NE, #2,075 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F.
• Bennington Public Schools (rural): math 67% / reading 67% proficiency, ranked #3 of 111 in NE (top 3%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 6% free/reduced lunch — higher-income household profile.
• Zoned schools: Bennington Elementary School (math 77% / reading 72%, grade A, #20 of 502 statewide, top 5%, 403 students, 17% FRL); Bennington Middle School (math 64% / reading 63%, grade B+, #13 of 128 statewide, top 10%, 410 students, 19% FRL); Bennington High School (math 66% / reading 70%, grade B, #21 of 261 statewide, top 8%, 1,002 students, 14% FRL).
• Market conditions: Rents rising fast (+5.9%/yr); 468 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 11d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 4,539 units permitted in Douglas County in 2024 (2,583 in 5+ unit buildings).

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.
• Douglas County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 6y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $278k; 20% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $214,487 (36.0% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. 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.
7. 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.
8. 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: 0.71% ✗
• Cap rate: 3.85%
• Cash-on-cash: -8.73%
• DSCR: 0.61
• GRM: 11.7

CMA / ARV

• ARV (median comp): $413,167
• List price: $335,000
• Delta: -13.11%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15779 N 2nd St	0.46mi	3/2.5	2,006 (0%)	12mo	$341,500	$170	66
255 N Allen St	0.21mi	4/2.5 (+1)	2,009 (+0%)	20mo	$392,000	$195	66
15640 Howard Ln	0.22mi	3/2.5	1,900 (-5%)	20mo	$239,000	$126	62
11808 N 158 St	0.45mi	4/3.0 (+1)	1,968 (-2%)	11mo	$375,000	$191	62
12111 N 159th St	0.37mi	3/3.0	2,103 (+5%)	16mo	$345,000	$164	61
15606 N 2nd St	0.29mi	3/2.5	1,884 (-6%)	19mo	$213,000	$113	59
12014 N 156th Ave	0.25mi	4/2.5 (+1)	2,262 (+13%)	6mo	$305,000	$135	55
126 S Vermont St	0.49mi	3/2.5	1,717 (-14%)	1mo	$300,000	$175	50
15208 S Third St	0.59mi	2/2.5 (-1)	1,870 (-7%)	6mo	$298,000	$159	50
11924 N 156th Ave	0.27mi	3/2.5	1,776 (-11%)	21mo	$315,000	$177	49
12667 N 161st Ave	0.72mi	3/3.0	2,182 (+9%)	11mo	$400,000	$183	43
109 S Molley St	0.43mi	3/1.5	2,292 (+14%)	17mo	$245,000	$107	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.88% rent growth · sell at horizon

5-year hold

• IRR: -28.1%
• Equity multiple: 0.04×
• Total profit: $-90,403
• Equity at exit: $49,950

10-year hold

• IRR: -17.6%
• Equity multiple: -0.10×
• Total profit: $-102,809
• Equity at exit: $28,965

Cash invested: $93,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Nebraska: 83 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempted; moderate court pace.

Methodology + full state rankings →

ZIP-level market 68007

• Home prices YoY: -19.4%
• Rents YoY: 5.9%
• Active inventory: 468
• Price-to-rent: 11.7×

Monthly cashflow live

• Estimated rent: $2,394 medium
• Mortgage (P&I): −$1,757
• Tax from tax record: −$502 /mo · $6,024/yr
• Insurance: −$140
• HOA: −$175
• Vacancy / Maint / Mgmt: −$503
• Net cashflow: $-682

Break-even live

Break-even rent $3,257

Max offer price $214,487

Occupancy floor —

Sensitivity live

Price	-10% $-493	-5% $-587	+0% $-682	+5% $-777	+10% $-872
Rent	-10% $-871	-5% $-777	+0% $-682	+5% $-588	+10% $-493
Rate	-1.0pp $-513	-0.5pp $-597	base $-682	+0.5pp $-769	+1.0pp $-857

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: $83,750
• Closing costs: $10,050
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12314 N 149th Cir Bennington, NE	3.0	2.0	1523	$2,450	$1.61	2d	1	0.39mi
14802 Willow St Unit 14804 Bennington, NE	4.0	3.5	2561	$2,650	$1.03	44d	1	0.49mi
15975 Kempten Creek Dr Bennington, NE	3.0	4.0	1930	$2,800	$1.45	11d	1	0.75mi

HOA detail

• Monthly dues: $175 · $2,100/yr
• Likely covers: trashgas

Listing history 22 events

1. 2026-06-18
   price $335,000 Active 9 DOM
2. 2026-06-18
   days on market $349,000 Active 9 DOM
3. 2026-06-17
   days on market $349,000 Active 8 DOM
4. 2026-06-16
   days on market $349,000 Active 7 DOM
5. 2026-06-15
   statusdays on market $349,000 Active 6 DOM
6. 2026-06-13
   days on market $349,000 New 4 DOM
7. 2026-06-13
   days on market $349,000 New 3 DOM
8. 2026-06-10
   pricestatusdays on marketlisting id $349,000 New 1 DOM
9. 2026-06-09
   days on market $359,000 Active 41 DOM
10. 2026-06-08
    days on market $359,000 Active 40 DOM
11. 2026-06-07
    days on market $359,000 Active 39 DOM
12. 2026-06-05
    days on market $359,000 Active 36 DOM
13. 2026-06-03
    days on market $359,000 Active 35 DOM
14. 2026-06-03
    days on market $359,000 Active 34 DOM
15. 2026-06-01
    days on market $359,000 Active 33 DOM
16. 2026-05-31
    days on market $359,000 Active 32 DOM
17. 2026-04-29
    listed $369,000 New 918-char remark
18. 2020-10-09
    soldstatus $278,500 Sold 834-char remark

    Show marketing remark (834 chars)

    The Annika Floorplan brought to you by Viking Homes! Modern exterior elevation and feel. This floorplan proudly features high end finishes, functional living spaces and an affordable price! The main level has three bedrooms! Generous family room space with cozy stone fireplace and desirable open feel to the kitchen. Quartz countertops, custom backslash, gas range and large pantry. Fridge included too! Master bedroom has large closet and and fantastic bathroom. Laundry on main level plus drop zone area with lockers. Finished lower level includes rec room, 2 bedrooms and full bath! We give you Timberteck deck off the kitchen to overlook trees and private backyard. Home includes Hardi Siding, sprinklers and custom lighting. Maintenance Free Living includes trash service, lawn fertilization,mowing and neighborhood maintenance.

19. 2020-08-13
    status Pending 834-char remark

    Show marketing remark (834 chars)

    The Annika Floorplan brought to you by Viking Homes! Modern exterior elevation and feel. This floorplan proudly features high end finishes, functional living spaces and an affordable price! The main level has three bedrooms! Generous family room space with cozy stone fireplace and desirable open feel to the kitchen. Quartz countertops, custom backslash, gas range and large pantry. Fridge included too! Master bedroom has large closet and and fantastic bathroom. Laundry on main level plus drop zone area with lockers. Finished lower level includes rec room, 2 bedrooms and full bath! We give you Timberteck deck off the kitchen to overlook trees and private backyard. Home includes Hardi Siding, sprinklers and custom lighting. Maintenance Free Living includes trash service, lawn fertilization,mowing and neighborhood maintenance.

20. 2020-03-27
    listed $282,000 Active - New 834-char remark

    Show marketing remark (834 chars)

    The Annika Floorplan brought to you by Viking Homes! Modern exterior elevation and feel. This floorplan proudly features high end finishes, functional living spaces and an affordable price! The main level has three bedrooms! Generous family room space with cozy stone fireplace and desirable open feel to the kitchen. Quartz countertops, custom backslash, gas range and large pantry. Fridge included too! Master bedroom has large closet and and fantastic bathroom. Laundry on main level plus drop zone area with lockers. Finished lower level includes rec room, 2 bedrooms and full bath! We give you Timberteck deck off the kitchen to overlook trees and private backyard. Home includes Hardi Siding, sprinklers and custom lighting. Maintenance Free Living includes trash service, lawn fertilization,mowing and neighborhood maintenance.

21. 2020-03-27
    listed $282,000

    Show marketing remark (834 chars)

    The Annika Floorplan brought to you by Viking Homes! Modern exterior elevation and feel. This floorplan proudly features high end finishes, functional living spaces and an affordable price! The main level has three bedrooms! Generous family room space with cozy stone fireplace and desirable open feel to the kitchen. Quartz countertops, custom backslash, gas range and large pantry. Fridge included too! Master bedroom has large closet and and fantastic bathroom. Laundry on main level plus drop zone area with lockers. Finished lower level includes rec room, 2 bedrooms and full bath! We give you Timberteck deck off the kitchen to overlook trees and private backyard. Home includes Hardi Siding, sprinklers and custom lighting. Maintenance Free Living includes trash service, lawn fertilization,mowing and neighborhood maintenance.

22. 2020-03-27
    historical

    Show marketing remark (834 chars)

    The Annika Floorplan brought to you by Viking Homes! Modern exterior elevation and feel. This floorplan proudly features high end finishes, functional living spaces and an affordable price! The main level has three bedrooms! Generous family room space with cozy stone fireplace and desirable open feel to the kitchen. Quartz countertops, custom backslash, gas range and large pantry. Fridge included too! Master bedroom has large closet and and fantastic bathroom. Laundry on main level plus drop zone area with lockers. Finished lower level includes rec room, 2 bedrooms and full bath! We give you Timberteck deck off the kitchen to overlook trees and private backyard. Home includes Hardi Siding, sprinklers and custom lighting. Maintenance Free Living includes trash service, lawn fertilization,mowing and neighborhood maintenance.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast NE · Resets to sale price

• Current annual tax: $6,024 · $502/mo
• Projected year-2 tax: $6,024 · $502/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,726
• − Mortgage interest: −$18,765
• − Property taxes: −$6,024
• − Insurance: −$1,675
• − Repairs & maintenance: −$2,298
• − Management: −$2,298
• − HOA: −$2,100
• − Depreciation: −$9,745
• Taxable loss: −$14,179
• Est. tax savings @ 24.0%: +$3,403
• After-tax cash flow: $-4,783/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: Bennington Public Schools
• NCES district ID: 3103990
• Math proficiency: 67% ▼ -6.00%
• Reading proficiency: 67% ▼ -7.00%
• Median HH income: $87,771
• Composite: 60.5/100
• National rank: #843
• State rank: #3 of 111 in NE

Livability — Bennington

• Score: 79/100
• State rank: #38
• US rank: #2075

Category grades

Amenities F Commute F Cost of living A- Crime A+ Employment A+ Housing A+ Health & safety B+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bennington, NE
• County: Douglas County · 538,646 people
• City population: 19,536
• Metro: Omaha-Council Bluffs, NE-IA
• Population (ZIP): 19,536
• Household income: $141,042
• Rent vs Own: 7.5% rent · 92.5% own
• Severe rent burden: 107.0

Population outlook (Douglas County) Hauer SSP2

• Today (2025): 625,245 people
• By 2030: 661,613 · +5.8%
• By 2040: 732,395 · +17.1%
• By 2050: 801,988 · +28.3%
• By 2075: 968,637 · +54.9%
• By 2100: 1,101,871 · +76.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 6% Two or more races 5% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Iranian 4% Romanian 4% Italian 3%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 3% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Douglas

• 2024 margin: D (+10.2) · D 54.4% · R 44.2% · Other 1.4%
• 2008→2024 swing: +5.5pp toward D · 2008: 4.6pp · 2024: 10.2pp
• All cycles: 2024: D+10.2 2020: D+11.3 2016: D+1.4 2012: R+4.3 2008: D+4.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -60.06%
• Current HPI: 250.3443
• Rent YoY: ▲ 5.88%
• Metro: Omaha-Council Bluffs, NE-IA
• State GDP YoY: ▲ 0.68%
• F500 in state: 2

Industry mix (Fortune 500 HQ in NE)

Industry	F500 HQs	Revenue
▸Conglomerate	1	$371B

Price history

+23.8% since first listed

9 events — show timeline

• 2026-06-09 Listing Removed — GPRMLS
• 2026-06-08 Listed $349,000 GPRMLS
• 2026-05-26 Price Changed $359,000 GPRMLS
• 2026-04-29 Listed $369,000 GPRMLS
• 2020-10-09 Sold (MLS) $278,500 GPRMLS
• 2020-08-13 Pending — GPRMLS
• 2020-03-27 Listing Removed — GPRMLS
• 2020-03-27 Listed $282,000 GPRMLS
• 2020-03-27 Listed $282,000 GPRMLS

Property tax history

+107.8%/yr

Latest (2025): $6,024 · -1.5% YoY. Source: county tax records.