4336 Chamberlin St · Stratmoor, CO 80906

$125,000

3 bd · 2.0 ba · 1,682 sqft · SingleFamily public records · 41 Days on market

Built 1973 7,326 sqft lot

---

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
• DSCR +10.0/10.0
• 1% rule +9.6/10.0
• ARV discount +7.5/15.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Schools +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks

* * * * AUCTION PROPERTY * * * * This property has been placed in an upcoming RESERVE auction. Property is subject to buyer's premium pursuant to the Auction Participation Agreement. The list price is the opening bid only and does not indicate the reserve or the sales price. No visiting the site or disturbing the occupants. NO INSPECTIONS allowed. Sold as-is. Rooms were used off tax records and past MLS information and not confirmed.

Key facts

• 7,326 sq ft lot
• Garage
• Built 1973

Property features AI

Finance

• Financial info: Cash terms available
• HOA & community: Homeowners association present; No association fee

Exterior

• Parking: Attached 1-car garage
• Utilities: Water provided by association/district; Electricity available; Telephone available
• Home design: Single-family home; Existing home
• Construction: Framed on lot; Masonite-type siding; Composite shingle roof; Crawl space foundation; Basement fully finished
• Exterior features: Level lot

Interior

• Bedrooms: Primary bedroom located on the upper level
• Bathrooms: 1 full bath; 1 three-quarter bath
• Heating & cooling: Forced air heating (natural gas); No cooling
• Interior features: Forced air heating with natural gas; No cooling

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $605 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $121k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.1% vs local median 4.2% in Stratmoor — 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 65/100 on livability (#156 in CO) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living B+; Watch: schools F, crime F, amenities F.
• Harrison School District No. 2 In The County Of El Paso An (urban): math 16% / reading 35% proficiency, ranked #67 of 86 in CO (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.4%/yr); 300 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 3,906 units permitted in El Paso County in 2024 (872 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• El Paso County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $35k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($121k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $121,250 (3.0% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.46% ✓
• Cap rate: 12.10%
• Cash-on-cash: 20.75%
• DSCR: 1.92
• GRM: 5.7

CMA / ARV

• ARV (on-the-fly): $388,542
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1910 S Chamberlin	0.12mi	4/2.0 (+1)	1,666 (-1%)	3mo	$369,900	$222	86
2010 Hampton South	0.31mi	4/2.0 (+1)	1,666 (-1%)	4mo	$377,600	$227	76
637 Catalina Dr	0.34mi	4/2.0 (+1)	1,666 (-1%)	3mo	$290,000	$174	75
3935 Sagemont Ct	0.53mi	3/3.0	1,652 (-2%)	2mo	$400,000	$242	66
4425 Millburn Dr	0.11mi	4/2.0 (+1)	1,502 (-11%)	7mo	$290,000	$193	66
3883 Glenhurst St	0.65mi	3/1.5	1,652 (-2%)	1mo	$390,000	$236	64
1235 Grass Valley Dr	0.75mi	3/2.0	1,700 (+1%)	2mo	$402,000	$236	62
1338 Grass Valley Dr	0.59mi	3/3.0	1,752 (+4%)	1mo	$450,000	$257	61
326 Catalina Dr	0.70mi	3/3.0	1,664 (-1%)	5mo	$355,500	$214	57
3865 Rosemere St	0.60mi	4/2.0 (+1)	1,788 (+6%)	6mo	$413,000	$231	52
3751 Red Cedar Dr	0.74mi	3/2.0	1,831 (+9%)	5mo	$265,000	$145	47
3925 Glendale St	0.69mi	4/2.0 (+1)	1,901 (+13%)	1mo	$460,000	$242	40

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 9.7%
• Equity multiple: 1.37×
• Total profit: $12,939
• Equity at exit: $18,638

10-year hold

• IRR: 16.3%
• Equity multiple: 2.15×
• Total profit: $40,223
• Equity at exit: $10,808

Cash invested: $35,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 38 Tenant-Leaning
• State Colorado: 38 Tenant-Leaning · D+4
• County: — inherits STATE
• City: — inherits STATE

2023 reforms: 10-day cure, mandated notice, source-of-income protected. Courts backlogged in Denver.

Methodology + full state rankings →

ZIP-level market 80906

• Rents YoY: -0.4%
• Active inventory: 300
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,831 high
• Mortgage (P&I): −$656
• Tax from tax record: −$133 /mo · $1,600/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $605

Break-even live

Break-even rent $1,064

Max offer price $125,000

Occupancy floor 62%

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: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1624 Hampton S Colorado Springs, CO	1.0–4.0	1.0–2.0	858	$693	$0.81	2d	1	0.20mi
1472 Meadow Peak Vw Colorado Springs, CO	1.0–3.0	1.0–2.0	932	$1,683	$1.80	2d	10	0.40mi
1345 Coolcrest Dr Colorado Springs, CO	4.0	2.5	1783	$2,321	$1.30	2d	1	0.58mi
4241 Prestige Pt Colorado Springs, CO	2.0	2.5	1333	$2,000	$1.50	2d	1	0.88mi
973 Mountain Crest Vw Colorado Springs, CO	2.0	2.5	1351	$2,172	$1.61	2d	1	0.89mi
3770 Strawberry Field Grv Colorado Springs, CO	2.0	2.0	1137	$1,700	$1.50	2d	1	0.91mi
3750 Strawberry Field Grv Unit E Colorado Springs, CO	2.0	2.0	1137	$1,650	$1.45	23d	1	0.91mi
3850 Strawberry Field Grv Unit B Colorado Springs, CO	2.0	2.0	1084	$1,650	$1.52	23d	1	0.93mi
3870 Strawberry Field Grv Unit F Colorado Springs, CO	2.0	2.0	1084	$1,595	$1.47	10d	1	0.95mi
4125 Pebble Ridge Cir Colorado Springs, CO	1.0–2.0	1.0–2.0	885	$1,902	$2.15	2d	13	0.96mi
3750 Penny Pt Unit G Colorado Springs, CO	2.0	1.5	1084	$1,550	$1.43	23d	1	0.98mi
3650 Strawberry Field Grv Unit G Colorado Springs, CO	3.0	2.0	1265	$1,895	$1.50	23d	1	1.03mi
1308 Hartford St Colorado Springs, CO	4.0	2.0	1666	$1,950	$1.17	23d	1	1.05mi
918 London Green Way Colorado Springs, CO	3.0	1.5	1327	$1,710	$1.29	23d	1	1.08mi
862 London Green Way Colorado Springs, CO	3.0	2.5	1334	$1,900	$1.42	2d	1	1.17mi
555 Cougar Bluff Pt #205 Colorado Springs, CO	2.0	2.0	1171	$1,700	$1.45	23d	1	1.17mi
1810 Eldorado Springs Hts Colorado Springs, CO	1.0–3.0	1.0–2.0	1081	$3,145	$2.91	2d	14	1.18mi
3308 Quail Lake Rd Colorado Springs, CO	1.0–2.0	1.0–2.0	943	$1,909	$2.02	2d	1	1.29mi
780 San Bruno Pl Colorado Springs, CO	3.0	2.0	1148	$2,150	$1.87	14d	1	1.31mi
850 Quail Lake Cir Colorado Springs, CO	4.0	3.0	2117	$2,250	$1.06	10d	1	1.36mi
3119 Cliveden Hts Colorado Springs, CO	2.0–3.0	2.5	1184	$1,985	$1.68	3d	1	1.39mi
890 Quail Lake Cir Colorado Springs, CO	1.0–3.0	1.0–2.0	1147	$2,070	$1.80	2d	21	1.41mi
366 Cobblestone Dr Colorado Springs, CO	4.0	3.0	2058	$2,300	$1.12	23d	1	1.47mi

Listing history 24 events

1. 2026-06-18
   days on market $125,000 Active 41 DOM
2. 2026-06-17
   days on market $125,000 Active 40 DOM
3. 2026-06-16
   days on market $125,000 Active 39 DOM
4. 2026-06-15
   days on market $125,000 Active 38 DOM
5. 2026-06-14
   days on market $125,000 Active 36 DOM
6. 2026-06-13
   days on market $125,000 Active 35 DOM
7. 2026-06-10
   days on market $125,000 Active 33 DOM
8. 2026-06-09
   days on market $125,000 Active 32 DOM
9. 2026-06-08
   days on market $125,000 Active 31 DOM
10. 2026-06-07
    days on market $125,000 Active 30 DOM
11. 2026-06-05
    days on market $125,000 Active 27 DOM
12. 2026-06-03
    days on market $125,000 Active 26 DOM
13. 2026-06-03
    days on market $125,000 Active 25 DOM
14. 2026-06-01
    days on market $125,000 Active 24 DOM
15. 2026-05-31
    days on market $125,000 Active 23 DOM
16. 2026-05-08
    listed $125,000 Active
17. 2022-07-18
    soldstatus $332,500
18. 2017-09-11
    soldstatus $212,500
19. 2016-11-18
    price $125,000
20. 2016-07-29
    price $130,000
21. 2016-06-10
    price $140,000
22. 2008-04-07
    soldstatus $122,000
23. 1999-07-07
    soldstatus $87,900
24. 1973-11-01
    soldstatus $20,400

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

Tax reassessment forecast CO · Resets to sale price

• Current annual tax: $1,600 · $133/mo
• Projected year-2 tax: $1,600 · $133/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 6/10 Major
• 🌡 Heat 3/10 Moderate 7 d/yr ≥91°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,966
• − Mortgage interest: −$7,002
• − Property taxes: −$1,600
• − Insurance: −$625
• − Repairs & maintenance: −$1,757
• − Management: −$1,757
• − Depreciation: −$3,636
• Taxable income: $5,589
• Est. tax owed @ 24.0%: −$1,341
• After-tax cash flow: $5,921/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: Harrison School District No. 2 In The County Of El Paso An
• NCES district ID: 0804530
• Math proficiency: 16% ▼ -13.00%
• Reading proficiency: 35% ▼ -7.00%
• Median HH income: $40,242
• Composite: 21.47/100
• National rank: #8333
• State rank: #67 of 86 in CO

Livability — Stratmoor

• Score: 65/100
• State rank: #156
• US rank: #12505

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Stratmoor, CO
• County: El Paso County · 689,348 people
• Metro: Colorado Springs, CO
• Population (ZIP): 37,502
• Household income: $89,984
• Rent vs Own: 34.7% rent · 65.3% own
• Severe rent burden: 1572.0

Population outlook (El Paso County) Hauer SSP2

• Today (2025): 768,926 people
• By 2030: 815,739 · +6.1%
• By 2040: 903,489 · +17.5%
• By 2050: 981,204 · +27.6%
• By 2075: 1,155,542 · +50.3%
• By 2100: 1,202,070 · +56.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Hispanic / Latino 18% Two or more races 11% Black 4% Asian 3% Native American 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 2%
• Common ancestry: Italian 3% Romanian 3% Slovak 3%
• Foreign-born: 7% · Canada, South Korea, Vietnam
• Languages at home: 89% English-only · Spanish 6% Russian/Polish/Slavic 1% German/W. Germanic 1%

Political lean MEDSL · El Paso

• 2024 margin: Lean R (+9.8) · D 43.8% · R 53.5% · Other 2.7%
• 2008→2024 swing: +9.0pp toward D · 2008: -18.8pp · 2024: -9.8pp
• All cycles: 2024: R+9.8 2020: R+10.8 2016: R+22.6 2012: R+21.4 2008: R+18.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -272.61%
• Current HPI: 248.2125
• Rent YoY: ▼ -0.43%
• Metro: Colorado Springs, CO
• State GDP YoY: ▲ 1.95%
• F500 in state: 14

Industry mix (Fortune 500 HQ in CO)

Industry	F500 HQs	Revenue
▸Technology Distribution	1	$31B
▸Food / Agriculture	1	$18B
▸Packaging	1	$14B
▸Healthcare	1	$13B
▸Energy	1	$10B
▸Technology	1	$4B

Price history

+512.7% since first listed

9 events — show timeline

• 2026-05-08 Listed $125,000 elevateMLS
• 2022-07-18 Sold (Public Records) $332,500 Public Records
• 2017-09-11 Sold (Public Records) $212,500 Public Records
• 2016-11-18 Price Changed $125,000 elevateMLS
• 2016-07-29 Price Changed $130,000 elevateMLS
• 2016-06-10 Price Changed $140,000 elevateMLS
• 2008-04-07 Sold (Public Records) $122,000 Public Records
• 1999-07-07 Sold (Public Records) $87,900 Public Records
• 1973-11-01 Sold (Public Records) $20,400 Public Records

Property tax history

+7.3%/yr

Latest (2024): $1,600 · +42.8% YoY. Source: county tax records.