W1044 Anemone Rd · Bloomfield, WI 53128

$154,000

2 bd · 1.0 ba · 550 sqft · Other · 148 Days on market

Built 1950 3,920 sqft lot ↓ 4% since listing

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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 +27.2/30.0
• DSCR +9.4/10.0
• ARV discount +7.5/15.0
• 1% rule +6.7/10.0
• Livability +3.2/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Escape to the serenity of Genoa City with this delightful fully furnished 2-bedroom, 1-bath cottage nestled on W1044 Anemone Road. Perfectly situated just minutes from Lake Geneva and Pell Lake, this 3-season retreat offers the ideal blend of peaceful and convenient access to recreation, dining, and shopping. Step inside to find a cozy family room, functional kitchen, and inviting living spaces full of natural light and rustic charm. Enjoy your morning coffee or unwind with evening breezes in the screened-in-porch. Whether you're seeking a weekend getaway, summer home, investment, or considering the possibility of turning this into full-time living, this property offers endless potential in

Key facts

• Functional kitchen
• Cozy family room
• Screened-in-porch

Tags

• FULLY FURNISHED
• COZY FAMILY ROOM
• FUNCTIONAL KITCHEN
• SCREENED-IN-PORCH
• SOUGHT-AFTER LOCATION

Property features AI

Finance

• Other: All furniture, linens, appliances, dishes and decor included (seller excludes family photos and a few heirlooms)

Exterior

• Parking: One parking space
• Utilities: Municipal water; Municipal sewer; Natural gas service
• Home design: Single-family, one-story home
• Construction: R1 zoning
• Exterior features: Vinyl exterior; Lot under 1/2 acre (approximately 0.09 acre)

Interior

• Kitchen: Kitchen on main level (approx. 9 x 7); Microwave; Oven; Refrigerator
• Bedrooms: Two bedrooms on the main level (each approximately 9 x 8)
• Bathrooms: One full bathroom
• Heating & cooling: Wall furnace with natural gas; Window/wall air conditioning units
• Interior features: Screened porch; Living room on main level
• Laundry & utility: Window A/C (room/window units)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $154k.

Deal economics

• At list price, monthly cash flow is $440 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $154k).
• Recommended offer: $136k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#577 in WI) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
• Lake Geneva-Genoa City Uhs School District (town): math 27% / reading 35% proficiency, ranked #258 of 342 in WI (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Badger High (math 27% / reading 36%, grade F, #199 of 483 statewide, top 42%, 1,326 students, 34% FRL).
• Market conditions: 41 active listings in the ZIP; 474 units permitted in Walworth County in 2024 (77 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $43k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 148 days — a 12% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 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.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $135,520 (12.0% below list)

Questions for the listing agent

1. It's been on market 148 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.17% ✓
• Cap rate: 9.72%
• Cash-on-cash: 12.24%
• DSCR: 1.54
• GRM: 7.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 1.8%
• Equity multiple: 1.07×
• Total profit: $3,029
• Equity at exit: $22,962

10-year hold

• IRR: 11.4%
• Equity multiple: 1.90×
• Total profit: $38,614
• Equity at exit: $13,315

Cash invested: $43,120 (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 53128

• Home prices YoY: -6.8%
• Active inventory: 41
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,805 medium
• Mortgage (P&I): −$808
• Tax from tax record: −$115 /mo · $1,378/yr
• Insurance: −$64
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $440

Break-even live

Break-even rent $1,249

Max offer price $154,000

Occupancy floor 71%

Sensitivity live

Price	-10% $527	-5% $483	+0% $440	+5% $396	+10% $353
Rent	-10% $297	-5% $368	+0% $440	+5% $511	+10% $582
Rate	-1.0pp $517	-0.5pp $479	base $440	+0.5pp $400	+1.0pp $359

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: $38,500
• Closing costs: $4,620
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-19
   days on market $154,000 Active 148 DOM
2. 2026-06-18
   days on market $154,000 Active 147 DOM
3. 2026-06-17
   days on market $154,000 Active 146 DOM
4. 2026-06-16
   days on market $154,000 Active 145 DOM
5. 2026-06-15
   days on market $154,000 Active 144 DOM
6. 2026-06-14
   days on market $154,000 Active 142 DOM
7. 2026-06-12
   days on market $154,000 Active 141 DOM
8. 2026-06-09
   days on market $154,000 Active 138 DOM
9. 2026-06-08
   days on market $154,000 Active 137 DOM
10. 2026-06-07
    days on market $154,000 Active 136 DOM
11. 2026-06-05
    days on market $154,000 Active 133 DOM
12. 2026-06-03
    days on market $154,000 Active 132 DOM
13. 2026-06-02
    days on market $154,000 Active 131 DOM
14. 2026-06-01
    days on market $154,000 Active 130 DOM
15. 2026-05-31
    days on market $154,000 Active 129 DOM
16. 2026-05-30
    days on market $154,000 Active 128 DOM
17. 2026-04-30
    status Active
18. 2025-10-08
    historical
19. 2025-08-03
    price $154,000
20. 2025-07-02
    listed $159,999 Active

ⓘ 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: $1,378 · $115/mo
• Projected year-2 tax: $2,113 · $176/mo
• Expected delta: +$736/yr (+$61/mo · 53.4%)

ⓘ 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 ≥102°F today · 13 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,665
• − Mortgage interest: −$8,626
• − Property taxes: −$1,378
• − Insurance: −$770
• − Repairs & maintenance: −$1,733
• − Management: −$1,733
• − Depreciation: −$4,480
• Taxable income: $2,944
• Est. tax owed @ 24.0%: −$707
• After-tax cash flow: $4,570/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: Lake Geneva-Genoa City Uhs School District
• NCES district ID: 5507650
• Math proficiency: 27% ▼ -5.00%
• Reading proficiency: 35% ▼ -4.00%
• Median HH income: $52,486
• Composite: 27.25/100
• National rank: #7013
• State rank: #258 of 342 in WI

Livability — Bloomfield

• Score: 64/100
• State rank: #577
• US rank: #14821

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bloomfield, WI
• City population: 8,985
• Population (ZIP): 8,985

Population outlook (Walworth County) Hauer SSP2

• Today (2025): 104,803 people
• By 2030: 105,459 · +0.6%
• By 2040: 104,991 · +0.2%
• By 2050: 102,207 · -2.5%
• By 2075: 97,177 · -7.3%
• By 2100: 89,043 · -15.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Hispanic / Latino 14% Two or more races 7%
• Hispanic origin (detail): Mexican 12% Cuban 2%
• Common ancestry: Romanian 9% Slovak 2% Iranian 2%
• Foreign-born: 6% · Canada
• Languages at home: 88% English-only · Spanish 10% Russian/Polish/Slavic 2%

Political lean MEDSL · Walworth

• 2024 margin: Strong R (+22.2) · D 38.3% · R 60.5% · Other 1.2%
• 2008→2024 swing: -19.6pp toward R · 2008: -2.6pp · 2024: -22.2pp
• All cycles: 2024: R+22.2 2020: R+19.2 2016: R+20.1 2012: R+12.4 2008: R+2.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -22.26%
• Current HPI: 307.4105
• Rent YoY: —
• Metro: —
• 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

-3.7% since first listed

4 events — show timeline

• 2026-04-30 Relisted — METROMLS
• 2025-10-08 Listing Removed — METROMLS
• 2025-08-03 Price Changed $154,000 METROMLS
• 2025-07-02 Listed $159,999 METROMLS

Property tax history

+2.5%/yr

Latest (2025): $1,378 · +8.3% YoY. Source: county tax records.