310 Broad St · Oshkosh, WI 54901

$224,900

4 bd · 2.0 ba · 1,820 sqft · Other public records · 21 Days on market

Built 1905 3,484 sqft lot

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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).

• Cash flow +13.9/30.0
• ARV discount +7.5/15.0
• DSCR +4.2/10.0
• Livability +4.2/5.0
• 1% rule +3.7/10.0
• Rent growth +3.7/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to a spectacular, newly renovated home located at 310 Broad St in Oshkosh. This impressive, two-story residence boasts a spacious and functional layout featuring 4 generous bedrooms and 2 full bathrooms. Experience the perfect blend of classic charm and modern convenience with fresh renovations throughout, making this property completely move-in ready. An ideal opportunity for anyone seeking a turn-key home in a desirable Oshkosh location.

Key facts

• 3,484 sq ft lot
• Garage
• Built 1905

Property features AI

Finance

• Other: Includes refrigerator, stove, washer and dryer; Sellers' personal property excluded

Exterior

• Parking: Detached 1-car garage
• Utilities: Municipal water; Municipal sewer; Natural gas
• Home design: Two-story single-family home; Construction completed
• Construction: Estimated 1,751–2,000 finished square feet above grade
• Exterior features: Vinyl exterior; Lot less than 1/2 acre

Interior

• Kitchen: Kitchen on main level — 12 x 13; Refrigerator; Range/Oven
• Bedrooms: Master bedroom (Upper) — 11 x 14; Bedroom 2 (Upper) — 12 x 10; Bedroom 3 (Upper) — 10 x 10; Bedroom 4 (Upper) — 11 x 12
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced air heating (natural gas)
• Interior features: Full basement with stone foundation; Foyer/vestibule
• Laundry & utility: Washer and Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath other listed at $225k.

Deal economics

• At list price, monthly cash flow is $24 ($292/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 $196k (12.7% below list).
• Recommended offer: $196k (12.7% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 3.7% in Oshkosh — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 85/100 on livability (#29 in WI, #574 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+.
• Oshkosh Area School District (urban): math 33% / reading 34% proficiency, ranked #246 of 342 in WI (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.0%/yr); 82 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 652 units permitted in Winnebago County in 2024 (333 in 5+ unit buildings).
• This rent runs 38% 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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Winnebago County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($222k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $175k; 29% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1905 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $196,342 (12.7% below list)

Questions for the listing agent

1. Built in 1905 — 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. 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?
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: 0.87% ✗
• Cap rate: 6.42%
• Cash-on-cash: 0.46%
• DSCR: 1.02
• GRM: 9.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.97% rent growth · sell at horizon

5-year hold

• IRR: -13.4%
• Equity multiple: 0.51×
• Total profit: $-30,913
• Equity at exit: $33,533

10-year hold

• IRR: -1.7%
• Equity multiple: 0.87×
• Total profit: $-7,919
• Equity at exit: $19,445

Cash invested: $62,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Wisconsin: 73 Landlord-Friendly · R+2
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; Madison / Milwaukee have some local enforcement.

Methodology + full state rankings →

ZIP-level market 54901

• Rents YoY: 5.0%
• Active inventory: 82
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,963 high
• Mortgage (P&I): −$1,179
• Tax from tax record: −$254 /mo · $3,044/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$412
• Net cashflow: $24

Break-even live

Break-even rent $1,933

Max offer price $224,900

Occupancy floor 94%

Sensitivity live

Price	-10% $152	-5% $88	+0% $24	+5% $-39	+10% $-103
Rent	-10% $-131	-5% $-53	+0% $24	+5% $102	+10% $179
Rate	-1.0pp $138	-0.5pp $82	base $24	+0.5pp $-34	+1.0pp $-93

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: $56,225
• Closing costs: $6,747
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
513 Evans St Unit 1514469P Oshkosh, WI	3.0	1.5	1270	$2,909	$2.29	22d	1	0.34mi
319 E Irving Ave Oshkosh, WI	3.0	1.5	1384	$1,250	$0.90	44d	1	0.53mi
1113 Harney Ave Unit 1061625P Oshkosh, WI	3.0	2.0	1991	$3,154	$1.58	14d	1	0.55mi
685 Franklin St Unit B Oshkosh, WI	4.0	2.0	1721	$1,700	$0.99	22d	1	0.72mi
95 Dawes St Oshkosh, WI	3.0	2.0	1520	$1,650	$1.09	44d	1	0.72mi
728 Franklin St Oshkosh, WI	5.0	1.0	1540	$2,250	$1.46	22d	1	0.77mi
500 Marion Rd Unit F204 Oshkosh, WI	4.0	2.0	1528	$2,000	$1.31	22d	1	0.77mi
306 Wisconsin St Oshkosh, WI	3.0	1.0	1500	$1,500	$1.00	44d	1	0.79mi
306 Wisconsin St Oshkosh, WI	4.0	1.0	1500	$2,000	$1.33	22d	1	0.79mi
418 W Irving Ave Oshkosh, WI	4.0	1.5	1536	$2,225	$1.45	44d	1	0.80mi
733 Wright St Oshkosh, WI	5.0	2.0	1642	$2,200	$1.34	44d	1	0.86mi
825 Wisconsin St Apt 3A Oshkosh, WI	4.0	1.0	1400	$1,449	$1.03	44d	1	0.98mi
825 Wisconsin St Unit 2C Oshkosh, WI	4.0	1.0	1400	$1,399	$1.00	22d	1	0.98mi
835 Wisconsin St Unit 2D Oshkosh, WI	4.0	1.0	1400	$1,399	$1.00	22d	1	0.99mi
1745 Oregon St Oshkosh, WI	1.0–3.0	1.0–2.0	1079	$1,491	$1.38	14d	6	1.32mi
904 W 8th Ave Oshkosh, WI	3.0	1.0	1759	$1,600	$0.91	14d	1	1.47mi

Listing history 16 events

1. 2026-06-19
   days on market $224,900 Active 21 DOM
2. 2026-06-18
   days on market $224,900 Active 20 DOM
3. 2026-06-17
   days on market $224,900 Active 19 DOM
4. 2026-06-16
   days on market $224,900 Active 18 DOM
5. 2026-06-15
   days on market $224,900 Active 17 DOM
6. 2026-06-14
   days on market $224,900 Active 15 DOM
7. 2026-06-13
   days on market $224,900 Active 14 DOM
8. 2026-06-10
   days on market $224,900 Active 12 DOM
9. 2026-06-09
   days on market $224,900 Active 11 DOM
10. 2026-06-08
    days on market $224,900 Active 10 DOM
11. 2026-06-07
    days on market $224,900 Active 9 DOM
12. 2026-06-02
    days on market $224,900 Active 4 DOM
13. 2026-06-01
    days on market $224,900 Active 3 DOM
14. 2026-05-31
    days on market $224,900 Active 2 DOM
15. 2026-05-30
    remarks 451-char remark
16. 2026-05-30
    listed $224,900 Active 1 DOM

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

Tax reassessment forecast WI · Partial reset (capped growth)

• Current annual tax: $3,044 · $254/mo
• Projected year-2 tax: $3,602 · $300/mo
• Expected delta: +$558/yr (+$47/mo · 18.3%)

ⓘ 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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥97°F today · 13 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,561
• − Mortgage interest: −$12,598
• − Property taxes: −$3,044
• − Insurance: −$1,124
• − Repairs & maintenance: −$1,885
• − Management: −$1,885
• − Depreciation: −$6,543
• Taxable loss: −$3,518
• Est. tax savings @ 24.0%: +$844
• After-tax cash flow: $1,136/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: Oshkosh Area School District
• NCES district ID: 5511190
• Math proficiency: 33% ▼ -7.00%
• Reading proficiency: 34% ▼ -2.00%
• Median HH income: $48,048
• Composite: 28.92/100
• National rank: #6634
• State rank: #246 of 342 in WI

Livability — Oshkosh

• Score: 85/100
• State rank: #29
• US rank: #574

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Oshkosh, WI
• County: Winnebago County · 155,689 people
• City population: 81,810
• Metro: Oshkosh-Neenah, WI
• Population (ZIP): 37,294
• Household income: $61,794
• Rent vs Own: 50.4% rent · 49.6% own
• Severe rent burden: 1484.0

Population outlook (Winnebago County) Hauer SSP2

• Today (2025): 175,480 people
• By 2030: 177,928 · +1.4%
• By 2040: 180,873 · +3.1%
• By 2050: 181,302 · +3.3%
• By 2075: 184,071 · +4.9%
• By 2100: 175,932 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Black 6% Hispanic / Latino 6% Two or more races 5% Asian 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Romanian 6% Portuguese 4% Lithuanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Other Asian/Pacific 2% Spanish 2% Arabic 1%

Political lean MEDSL · Winnebago

• 2024 margin: Toss-up / Even · D 46.9% · R 51.7% · Other 1.4%
• 2008→2024 swing: -16.4pp toward R · 2008: 11.7pp · 2024: -4.8pp
• All cycles: 2024: R+4.8 2020: R+4.0 2016: R+7.4 2012: D+3.8 2008: D+11.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -128.12%
• Current HPI: 187.7253
• Rent YoY: ▲ 4.97%
• Metro: Oshkosh-Neenah, WI
• State GDP YoY: ▲ 2.10%
• F500 in state: 20

Industry mix (Fortune 500 HQ in WI)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$23B
▸Industrial Technology	2	$36B
▸Insurance	1	$36B
▸Professional Services	1	$19B
▸Utilities	1	$9B
▸Consumer Goods	1	$3B

Price history

+423.0% since first listed

4 events — show timeline

• 2026-05-28 Listed $224,900 RANW
• 2024-04-17 Sold (Public Records) $174,900 Public Records
• 2002-07-19 Sold (Public Records) $62,000 Public Records
• 2000-03-02 Sold (Public Records) $43,000 Public Records

Property tax history

+5.7%/yr

Latest (2024): $3,044 · +103.3% YoY. Source: county tax records.