227 G St · Pawnee City, NE 68420

$125,000

3 bd · 1.0 ba · 2,134 sqft · SingleFamily public records · 1 Days on market

Built 1926 9,653 sqft lot Est $216k · 42% under

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Why this score? — see what drove the C 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 +17.5/30.0
• ARV discount +15.0/15.0
• DSCR +5.5/10.0
• Appreciation +5.3/10.0
• 1% rule +4.3/10.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Welcome to this wonderfully maintained craftsman style home! With 3 generously sized bedrooms, 2 bathrooms, several parking options, and a private back yard with a shed you are guaranteed wonderful moments with. This one and a half story home also features an unfinished attic that could be turned into extra living space or kept as storage. There is a non-conforming room in the basement as well as a large 13x45 workshop with overhead garage door access that could be used to park and store cars if you so choose. The HVAC system was all replaced in 2023 along with a new water heater within the last few years. This home truly offers small town living at its finest being close to so many ameniti

Key facts

• Craftsman style home
• Private back yard
• Hvac system replaced

Tags

• CRAFTSMAN STYLE HOME
• PRIVATE BACK YARD
• UNFINISHED ATTIC
• LARGE WORKSHOP
• OVERHEAD GARAGE DOOR ACCESS
• HVAC SYSTEM REPLACED

Property features AI

Exterior

• Parking: No garage; Extra parking slab; Garage door opener; Open parking available
• Utilities: Public water; Public sewer; Electricity available / electric on property; Natural gas available; Cable available; Phone available
• Home design: Single-family residence; Residential property; One-and-one-half level layout; Not new / not a model; Below-grade finished area (basement) and above-grade finished area
• Construction: Built in 1926; Vinyl siding and stucco exterior; Composition roof; Concrete perimeter foundation
• Exterior features: Porch; Daylight basement windows; Window coverings; Shed(s); Level, city lot with curb cut (approximately 65 x 148.5; about 0.22 acre)

Interior

• Kitchen: 9'+ ceiling; Laminate flooring; Exterior door access; Range; Refrigerator; Disposal; Pantry
• Bedrooms: Primary bedroom on the main floor with 9'+ ceilings, walk-in closet(s), window coverings, and wall-to-wall carpeting (approx. 13x12); Second bedroom on the main floor with 9'+ ceilings and walk-in closet(s); Third bedroom on the main floor with 9'+ ceilings and walk-in closet(s)
• Flooring: Carpet; Wood; Laminate
• Bathrooms: Two total bathrooms: one full and one three-quarter; At least one bathroom on the main level
• Heating & cooling: Natural gas forced-air heating; Central air conditioning
• Interior features: High ceilings; Formal dining room; Pantry; Wood-burning fireplace in the living room
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $96 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $117k (6.7% below list).
• Recommended offer: $117k (6.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#198 in NE) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, amenities F, commute F.
• Pawnee City Public Schools (rural): math 45% / reading 35% proficiency, ranked #217 of 245 in NE (top 89%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Pawnee City Elementary Sch (math 42% / reading 37%, grade F, #346 of 502 statewide, top 74%, 151 students, 58% FRL); Pawnee City Secondary School (math 37% / reading 37%, grade F, #201 of 261 statewide, top 78%, 117 students, 54% FRL) — zoned schools average 56% FRL vs 37% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 15 active listings in the ZIP; 2 units permitted in Pawnee County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($864 loan paydown + $761 appreciation (0.6% local appreciation)).
• At projected returns (0.6% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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 $69k; list at $125k implies a 81% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $116,619 (6.7% below list)

Questions for the listing agent

1. Built in 1926 — 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. 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.
4. 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.
5. 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: 0.93% ✗
• Cap rate: 7.21%
• Cash-on-cash: 3.28%
• DSCR: 1.15
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $215,534
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
227 G St	0.00mi	3/2.0	1,950 (-9%)	0mo	$125,000	$64	81
741 3rd St	0.06mi	3/3.0	1,926 (-10%)	24mo	$195,000	$101	53
1200 H St	0.67mi	3/1.5	1,872 (-12%)	11mo	$129,000	$69	37
1241 F St	0.72mi	4/1.5 (+1)	1,833 (-14%)	6mo	$195,000	$106	31

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

Projected returns pro-forma

0.61% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 3.5%
• Equity multiple: 1.17×
• Total profit: $6,060
• Equity at exit: $40,148

10-year hold

• IRR: 8.3%
• Equity multiple: 1.96×
• Total profit: $33,709
• Equity at exit: $51,453

Cash invested: $35,000 (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 68420

• Home prices YoY: 0.3%
• Active inventory: 15
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,166 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$118 /mo · $1,415/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$245
• Net cashflow: $96

Break-even live

Break-even rent $1,045

Max offer price $125,000

Occupancy floor 87%

Sensitivity live

Price	-10% $167	-5% $131	+0% $96	+5% $60	+10% $25
Rent	-10% $4	-5% $50	+0% $96	+5% $142	+10% $188
Rate	-1.0pp $159	-0.5pp $128	base $96	+0.5pp $63	+1.0pp $30

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-05-05
   status Pending
2. 2026-05-04
   listed $125,000 New
3. 2026-05-04
   historical
4. 2026-04-18
   listed $125,000
5. 2008-08-06
   soldstatus $69,000

ⓘ 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: $1,415 · $118/mo
• Projected year-2 tax: $2,162 · $180/mo
• Expected delta: +$748/yr (+$62/mo · 52.9%)

ⓘ 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 ≥107°F today · 16 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: $13,994
• − Mortgage interest: −$7,002
• − Property taxes: −$1,415
• − Insurance: −$625
• − Repairs & maintenance: −$1,120
• − Management: −$1,120
• − Depreciation: −$3,636
• Taxable loss: −$923
• Est. tax savings @ 24.0%: +$221
• After-tax cash flow: $1,371/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: Pawnee City Public Schools
• NCES district ID: 3175330
• Math proficiency: 45% ▬ 0.00%
• Reading proficiency: 35% ▬ 0.00%
• Median HH income: $39,614
• Composite: 35.95/100
• National rank: #9554
• State rank: #217 of 245 in NE

Livability — Pawnee City

• Score: 71/100
• State rank: #198
• US rank: #6994

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pawnee City, NE
• Population (ZIP): 1,230

Population outlook (Pawnee County) Hauer SSP2

• Today (2025): 2,539 people
• By 2030: 2,502 · -1.5%
• By 2040: 2,469 · -2.8%
• By 2050: 2,483 · -2.2%
• By 2075: 2,664 · +4.9%
• By 2100: 2,631 · +3.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 5% Hispanic / Latino 3%
• Common ancestry: Slovak 3% Iranian 1% Romanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · German/W. Germanic 1% Arabic 1% Spanish 1%

Political lean MEDSL · Pawnee

• 2024 margin: Solid R (+58.1) · D 20.6% · R 78.7%
• 2008→2024 swing: -30.9pp toward R · 2008: -27.2pp · 2024: -58.1pp
• All cycles: 2024: R+58.1 2020: R+52.4 2016: R+52.6 2012: R+37.7 2008: R+27.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.61%
• Current HPI: 202.1247
• 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

+81.2% since first listed

5 events — show timeline

• 2026-05-05 Pending — GPRMLS
• 2026-05-04 Listing Removed — GPRMLS
• 2026-05-04 Listed $125,000 GPRMLS
• 2026-04-18 Listed $125,000 GPRMLS
• 2008-08-06 Sold (Public Records) $69,000 Public Records

Property tax history

+10.5%/yr

Latest (2025): $1,415 · +9.9% YoY. Source: county tax records.