107 N Norvell St · Chambers, NE 68725

$70,000

3 bd · 1.0 ba · 1,576 sqft · SingleFamily public records · 27 Days on market

Built 1946

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Why this score? — see what drove the B+ 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +6.0/10.0
• Schools +5.2/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

In Chambers Nebraska there is a small modest house for sale. The home sits on an acre and a quarter of land. It has 3 bedrooms and 1 bathroom(redone) a spacious kitchen, living room, mudroom/laundry room and an attic, a basement and an extra room. The house is an open concept house. On the land has a brick building, a wooden building that was once used as a chicken coop and a metal building that is suitable to be a small barn. On the land there is a starter apple orchard. The house sits next to the American Legion home and across the street is the Fire and Rescue house. There is an in home daycare 2 houses west and a 2-3 minute drive to the public school and grocery store. Appliances that a

Key facts

• Brick building
• Metal building
• Wooden building

Tags

• ACRE AND A QUARTER OF LAND
• BRICK BUILDING
• WOODEN BUILDING
• METAL BUILDING
• STARTER APPLE ORCHARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $502 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $69k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#168 in NE) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, employment D, amenities F.
• Chambers Public Schools (rural): math 55% / reading 65% proficiency, ranked #66 of 245 in NE (top 27%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Chambers Elementary School (math 34% / reading 64%, grade D, #233 of 502 statewide, top 52%, 76 students, 37% FRL); Chambers High School (math 50% / reading 50%, grade D, #107 of 261 statewide, top 52%, 43 students, 33% FRL).
• Market conditions: 1 active listings in the ZIP; 9 units permitted in Holt County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($484 loan paydown + $1k appreciation (2.0% local appreciation)).
• Holt County population projected to shrink 9% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (2.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($69k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $14k; list at $70k implies a 400% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1946 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $68,950 (1.5% below list)

Questions for the listing agent

1. Built in 1946 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-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?
4. 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.
5. 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.
6. 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: 1.70% ✓
• Cap rate: 14.90%
• Cash-on-cash: 30.76%
• DSCR: 2.37
• GRM: 4.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

1.98% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 34.8%
• Equity multiple: 2.87×
• Total profit: $36,705
• Equity at exit: $27,524

10-year hold

• IRR: 36.0%
• Equity multiple: 5.62×
• Total profit: $90,645
• Equity at exit: $39,568

Cash invested: $19,600 (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 68725

• Home prices YoY: 1.6%
• Active inventory: 1
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,193 medium
• Mortgage (P&I): −$367
• Tax from tax record: −$44 /mo · $527/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$251
• Net cashflow: $502

Break-even live

Break-even rent $557

Max offer price $70,000

Occupancy floor 53%

Sensitivity live

Price	-10% $542	-5% $522	+0% $502	+5% $483	+10% $463
Rent	-10% $408	-5% $455	+0% $502	+5% $549	+10% $597
Rate	-1.0pp $538	-0.5pp $520	base $502	+0.5pp $484	+1.0pp $466

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: $17,500
• Closing costs: $2,100
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-22
   days on market $70,000 Active 27 DOM
2. 2026-06-21
   days on market $70,000 Active 26 DOM
3. 2026-06-21
   days on market $70,000 Active 25 DOM
4. 2026-06-18
   days on market $70,000 Active 23 DOM
5. 2026-06-17
   days on market $70,000 Active 22 DOM
6. 2026-06-16
   days on market $70,000 Active 21 DOM
7. 2026-06-15
   days on market $70,000 Active 20 DOM
8. 2026-06-13
   days on market $70,000 Active 18 DOM
9. 2026-06-12
   days on market $70,000 Active 17 DOM
10. 2026-06-09
    days on market $70,000 Active 14 DOM
11. 2026-06-08
    days on market $70,000 Active 13 DOM
12. 2026-06-07
    days on market $70,000 Active 12 DOM
13. 2026-06-07
    days on market $70,000 Active 11 DOM
14. 2026-06-04
    days on market $70,000 Active 8 DOM
15. 2026-06-02
    days on market $70,000 Active 7 DOM
16. 2026-06-01
    days on market $70,000 Active 6 DOM
17. 2026-05-31
    days on market $70,000 Active 5 DOM
18. 2026-05-26
    listed $70,000 Active
19. 2018-04-17
    soldstatus $14,000

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

Tax reassessment forecast NE · Resets to sale price

• Current annual tax: $527 · $44/mo
• Projected year-2 tax: $1,211 · $101/mo
• Expected delta: +$684/yr (+$57/mo · 129.6%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,317
• − Mortgage interest: −$3,921
• − Property taxes: −$527
• − Insurance: −$350
• − Repairs & maintenance: −$1,145
• − Management: −$1,145
• − Depreciation: −$2,036
• Taxable income: $5,192
• Est. tax owed @ 24.0%: −$1,246
• After-tax cash flow: $4,782/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: Chambers Public Schools
• NCES district ID: 3105010
• Math proficiency: 55% ▲ 15.00%
• Reading proficiency: 65% ▲ 15.00%
• Median HH income: $46,243
• Composite: 52.31/100
• National rank: #3443
• State rank: #66 of 245 in NE

Livability — Chambers

• Score: 72/100
• State rank: #168
• US rank: #5974

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chambers, NE
• Population (ZIP): 643

Population outlook (Holt County) Hauer SSP2

• Today (2025): 9,851 people
• By 2030: 9,578 · -2.8%
• By 2040: 9,175 · -6.9%
• By 2050: 8,930 · -9.3%
• By 2075: 9,261 · -6.0%
• By 2100: 9,556 · -3.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Native American 2%
• Common ancestry: Romanian 2% Slovak 2% Iranian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Holt

• 2024 margin: Solid R (+74.0) · D 12.5% · R 86.5%
• 2008→2024 swing: -20.6pp toward R · 2008: -53.4pp · 2024: -74.0pp
• All cycles: 2024: R+74.0 2020: R+73.6 2016: R+75.4 2012: R+61.6 2008: R+53.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.98%
• Current HPI: 128.9167
• Rent YoY: —
• Metro: —
• 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

+400.0% since first listed

2 events — show timeline

• 2026-05-26 Listed $70,000 FSBO.com
• 2018-04-17 Sold (Public Records) $14,000 Public Records

Property tax history

+32.5%/yr

Latest (2025): $527 · +37.1% YoY. Source: county tax records.