34808 Birch · Lenwood, CA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $659 – $1,223
Heat risk 8/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 6/10 · Moderate
- Unhealthy air days now
- 10 days/yr
- Unhealthy air days in 30 yrs
- 14 days/yr
Risk factors via First Street. Map © Google.
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).
- Cash flow +13.1/30.0
- ARV discount +12.3/15.0
- DSCR +3.9/10.0
- 1% rule +3.6/10.0
- Rent growth +3.1/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.4/10.0
- Appreciation +0.0/10.0
$196,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome to 34808 Birch Road, a nice home located in a quiet neighborhood, offering tranquility and convenience. With a little TLC and know-how, this 3-bedroom, 1-bath house could be a perfect starter home. Featuring a large back yard, this property is ready for your personal touches. Ideal for a first-time home buyer looking to build equity or an investor. Act fast to secure this opportunity!
Key facts
- Large back yard
- 0.26 acre lot
- Built 1957
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $196k.
Deal economics
- At list price, monthly cash flow is $-8 ($-97/yr) — negative.
- To cash-flow at today's rent, offer at most $195k (0.7% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $168k (14.4% below list).
- Recommended offer: $168k (14.4% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 50/100 on livability (#1,118 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing A+; Watch: crime F, amenities F, commute F.
- Barstow Unified (town): math 11% / reading 22% proficiency, ranked #482 of 517 in CA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Lenwood Elementary (math 7% / reading 11%, grade F, #1,544 of 1,571 statewide, top 98%, 505 students, 84% FRL); Barstow Junior High (math 4% / reading 13%, grade F, #495 of 498 statewide, top 100%, 742 students, 80% FRL); Barstow High (math 22% / reading 47%, grade F, #618 of 1,170 statewide, top 56%, 1,584 students, 67% FRL).
- Market conditions: Rents rising (+2.3%/yr); 349 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
- This rent runs 33% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
- San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- It's been on market 124 days — a 12% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 13y 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.
Risks & watch-outs
- Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 124 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
- Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- 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?
- 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.
- 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.
- 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
- 0.86% ✗
- Cap rate
- 6.24%
- Cash-on-cash
- -0.18%
- DSCR
- 0.99
- GRM
- 9.7
CMA / ARV
- ARV (median comp)
- $219,275
- List price
- $196,000
- Delta
- -10.61%
- 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 |
|---|---|---|---|---|---|---|---|
| 34915 Cedar Rd | 0.30mi | 3/1.0 | 1,008 (-4%) | 10mo | $100,000 | $99 | 70 |
| 25623 Anderson Ave | 0.46mi | 3/2.0 | 1,040 (-2%) | 3mo | $270,000 | $260 | 69 |
| 25466 Jasper | 0.15mi | 3/1.5 | 922 (-13%) | 3mo | $220,000 | $239 | 67 |
| 25587 Jade Rd | 0.47mi | 3/1.0 | 1,008 (-4%) | 5mo | $235,000 | $233 | 66 |
| 25526 Jade Rd | 0.48mi | 3/1.0 | 1,128 (+7%) | 3mo | $150,000 | $133 | 64 |
| 25488 Jade | 0.48mi | 2/1.0 (-1) | 1,008 (-4%) | 3mo | $187,000 | $186 | 63 |
| 25298 Jade | 0.48mi | 3/1.0 | 950 (-10%) | 2mo | $200,000 | $211 | 59 |
| 35208 Walnut St | 0.55mi | 3/2.0 | 990 (-6%) | 4mo | $210,000 | $212 | 56 |
| 35341 Western Dr | 0.74mi | 3/1.5 | 1,049 (-1%) | 8mo | $220,000 | $210 | 56 |
| 25068 Camino Del Norte | 0.47mi | 3/1.0 | 954 (-10%) | 10mo | $210,000 | $220 | 53 |
| 25244 Jade Rd | 0.51mi | 3/1.0 | 950 (-10%) | 10mo | $215,000 | $226 | 51 |
| 35216 Maple St | 0.54mi | 3/1.0 | 950 (-10%) | 10mo | $50,000 | $53 | 50 |
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 · 2.32% rent growth · sell at horizon
- IRR
- -17.3%
- Equity multiple
- 0.39×
- Total profit
- $-33,404
- Equity at exit
- $29,224
- IRR
- -10.6%
- Equity multiple
- 0.37×
- Total profit
- $-34,317
- Equity at exit
- $16,946
Cash invested: $54,880 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 18 Strongly Tenant-Friendly
- State California
- 18 Strongly Tenant-Friendly · D+13
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 92311
- Home prices YoY
- -30.6%
- Rents YoY
- 2.3%
- Active inventory
- 349
- Price-to-rent
- 9.7×
Monthly cashflow live
- Estimated rent
- $1,677 medium interval (Pro) →
- Mortgage (P&I)
- −$1,028
- Tax from tax record
- −$223 /mo · $2,681/yr
- Insurance
- −$82
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$352
- Net cashflow
- $-8
Break-even live
Sensitivity live
| Price | -10% $103 | -5% $47 | +0% $-8 | +5% $-64 | +10% $-119 |
|---|---|---|---|---|---|
| Rent | -10% $-141 | -5% $-74 | +0% $-8 | +5% $58 | +10% $124 |
| Rate | -1.0pp $91 | -0.5pp $42 | base $-8 | +0.5pp $-59 | +1.0pp $-111 |
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
- $49,000
- Closing costs
- $5,880
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 3 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 35205 Birch Rd Barstow, CA | 3.0 | 1.0 | 1100 | $1,500 | $1.36 | 45d | 1 | 0.49mi |
| 3325 Jasper Rd Barstow, CA | 2.0 | 1.0–2.0 | 916 | $1,460 | $1.59 | 0d | 4 | 0.51mi |
| 25670 Ash Rd Barstow, CA | 3.0 | 2.0 | 1246 | $2,200 | $1.77 | 12d | 1 | 0.94mi |
Listing history 45 events
-
2026-06-21days on market $196,000 Active 124 DOM
-
2026-06-18days on market $196,000 Active 121 DOM
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2026-06-17days on market $196,000 Active 120 DOM
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2026-06-16days on market $196,000 Active 119 DOM
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2026-06-15days on market $196,000 Active 118 DOM
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2026-06-13days on market $196,000 Active 116 DOM
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2026-06-13pricedays on market $196,000 Active 115 DOM
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2026-06-09days on market $200,000 Active 112 DOM
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2026-06-08days on market $200,000 Active 111 DOM
-
2026-06-07days on market $200,000 Active 110 DOM
-
2026-06-04days on market $200,000 Active 107 DOM
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2026-06-03days on market $200,000 Active 106 DOM
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2026-06-02days on market $200,000 Active 105 DOM
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2026-06-01days on market $200,000 Active 104 DOM
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2026-05-31days on market $200,000 Active 103 DOM
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2026-05-04price $206,000 395-char remark
Show marketing remark (395 chars)
Welcome to 34808 Birch Road, a nice home located in a quiet neighborhood, offering tranquility and convenience. With a little TLC and know-how, this 3-bedroom, 1-bath house could be a perfect starter home. Featuring a large back yard, this property is ready for your personal touches. Ideal for a first-time home buyer looking to build equity or an investor. Act fast to secure this opportunity!
-
2026-03-06price $215,000 395-char remark
Show marketing remark (395 chars)
Welcome to 34808 Birch Road, a nice home located in a quiet neighborhood, offering tranquility and convenience. With a little TLC and know-how, this 3-bedroom, 1-bath house could be a perfect starter home. Featuring a large back yard, this property is ready for your personal touches. Ideal for a first-time home buyer looking to build equity or an investor. Act fast to secure this opportunity!
-
2026-02-17$200,000 Active 395-char remark
Show marketing remark (395 chars)
Welcome to 34808 Birch Road, a nice home located in a quiet neighborhood, offering tranquility and convenience. With a little TLC and know-how, this 3-bedroom, 1-bath house could be a perfect starter home. Featuring a large back yard, this property is ready for your personal touches. Ideal for a first-time home buyer looking to build equity or an investor. Act fast to secure this opportunity!
-
2022-05-05soldstatus $220,000
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2022-04-11soldstatus $220,000 Closed Sale 143-char remark
Show marketing remark (143 chars)
Proud of Ownership!!! Front entrance features a very original design. This 1056 square foot single family home has 3 bedrooms and 1.0 bathrooms
-
2022-03-21status Pending Sale 143-char remark
Show marketing remark (143 chars)
Proud of Ownership!!! Front entrance features a very original design. This 1056 square foot single family home has 3 bedrooms and 1.0 bathrooms
-
2022-02-28$220,000 Active 143-char remark
Show marketing remark (143 chars)
Proud of Ownership!!! Front entrance features a very original design. This 1056 square foot single family home has 3 bedrooms and 1.0 bathrooms
-
2014-04-01soldstatus $50,000 Closed
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2014-04-01soldstatus $50,000
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2014-03-25status Backup Offers Accepted
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2014-03-11price $53,200
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2014-02-21price $53,300
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2014-02-20price $53,400
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2014-02-19price $53,500
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2014-02-18price $53,700
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2014-02-17price $53,800
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2014-02-15price $54,000
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2014-02-14price $54,100
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2014-02-13price $54,200
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2014-02-12price $54,300
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2014-02-07price $54,400
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2013-12-09price $54,500
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2013-11-25status Active
-
2013-10-25status Backup Offers Accepted
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2013-10-05price $54,700
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2013-10-02price $56,800
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2013-09-07price $57,400
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2013-08-31price $58,600
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2013-08-08$59,900 Active
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1990-03-27soldstatus $52,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast CA · Resets to sale price
- Current annual tax
- $2,681 · $223/mo
- Projected year-2 tax
- $2,681 · $223/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 3/10 Moderate
- Heat 8/10 Severe 7 d/yr ≥103°F today · 19 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 6/10 Major 10 unhealthy d/yr today · 14 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $20,124
- − Mortgage interest
- −$10,979
- − Property taxes
- −$2,681
- − Insurance
- −$980
- − Repairs & maintenance
- −$1,610
- − Management
- −$1,610
- − Depreciation
- −$5,702
- Taxable loss
- −$3,438
- Est. tax savings @ 24.0%
- +$825
- After-tax cash flow
- $728/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
- Barstow Unified
- NCES district ID
- 0604020
- Math proficiency
- 11% ▼ -7.00%
- Reading proficiency
- 22% ▼ -7.00%
- Median HH income
- $44,505
- Composite
- 14.44/100
- National rank
- #9430
- State rank
- #482 of 517 in CA
Livability — Lenwood
- Score
- 50/100
- State rank
- #1118
- US rank
- #25618
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Lenwood, CA
- County
- San Bernardino County · 2,030,291 people
- Metro
- Riverside-San Bernardino-Ontario, CA
- Population (ZIP)
- 33,954
- Household income
- $61,862
- Rent vs Own
- Severe rent burden
- 1305.0
Population outlook (San Bernardino County) Hauer SSP2
- Today (2025)
- 2,300,329 people
- By 2030
- 2,378,907 · +3.4%
- By 2040
- 2,523,137 · +9.7%
- By 2050
- 2,642,388 · +14.9%
- By 2075
- 2,880,769 · +25.2%
- By 2100
- 2,909,436 · +26.5%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.68)
- Race & ethnicity
- Hispanic / Latino 46% White 29% Two or more races 22% Black 15% Native American 3% Asian 2% Pacific Islander 1%
- Hispanic origin (detail)
- Mexican 39% Puerto Rican 2%
- Common ancestry
- Portuguese 1% Lithuanian 1% Italian 1%
- Foreign-born
- 9% · Canada, South Korea
- Languages at home
- 77% English-only · Spanish 20% Tagalog/Filipino 1% Other Indo-European 1%
Political lean MEDSL · San Bernardino
- 2024 margin
- Toss-up / Even · D 47.5% · R 49.7% · Other 2.8%
- 2008→2024 swing
- -8.5pp toward R · 2008: 6.3pp · 2024: -2.1pp
- All cycles
- 2024: R+2.1 2020: D+10.7 2016: D+9.8 2012: D+5.4 2008: D+6.3
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -139.26%
- Current HPI
- 316.4858
- Rent YoY
- ▲ 2.32%
- Metro
- Riverside-San Bernardino-Ontario, CA
- State GDP YoY
- ▲ 3.21%
- F500 in state
- 116
Industry mix (Fortune 500 HQ in CA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Technology | 27 | $1,492B |
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| Financial Services | 3 | $174B |
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| Retail | 3 | $44B |
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| Insurance | 3 | $26B |
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| Media / Entertainment | 2 | $115B |
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| Pharmaceuticals / Biotech | 2 | $62B |
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Price history
+296.2% since first listed30 events — show timeline
- 2026-05-04 Price Changed $206,000 CRMLS
- 2026-03-06 Price Changed $215,000 CRMLS
- 2026-02-17 Listed $200,000 CRMLS
- 2022-05-05 Sold (Public Records) $220,000 Public Records
- 2022-04-11 Sold (MLS) $220,000 CRMLS
- 2022-03-21 Pending — CRMLS
- 2022-02-28 Listed $220,000 CRMLS
- 2014-04-01 Sold (Public Records) $50,000 Public Records
- 2014-04-01 Sold (MLS) $50,000 CRMLS
- 2014-03-25 Pending — CRMLS
- 2014-03-11 Price Changed $53,200 CRMLS
- 2014-02-21 Price Changed $53,300 CRMLS
- 2014-02-20 Price Changed $53,400 CRMLS
- 2014-02-19 Price Changed $53,500 CRMLS
- 2014-02-18 Price Changed $53,700 CRMLS
- 2014-02-17 Price Changed $53,800 CRMLS
- 2014-02-15 Price Changed $54,000 CRMLS
- 2014-02-14 Price Changed $54,100 CRMLS
- 2014-02-13 Price Changed $54,200 CRMLS
- 2014-02-12 Price Changed $54,300 CRMLS
- 2014-02-07 Price Changed $54,400 CRMLS
- 2013-12-09 Price Changed $54,500 CRMLS
- 2013-11-25 Relisted — CRMLS
- 2013-10-25 Pending — CRMLS
- 2013-10-05 Price Changed $54,700 CRMLS
- 2013-10-02 Price Changed $56,800 CRMLS
- 2013-09-07 Price Changed $57,400 CRMLS
- 2013-08-31 Price Changed $58,600 CRMLS
- 2013-08-08 Listed $59,900 CRMLS
- 1990-03-27 Sold (Public Records) $52,000 Public Records
Property tax history
+8.8%/yrLatest (2025): $2,681 · +1.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…