1125 W 5th St · Davenport, IA 52802

$75,000

3 bd · 1.0 ba · 988 sqft · SingleFamily public records · 3 Days on market

Built 1900 2,613 sqft lot Est $101k · 26% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +4.0/5.0
• Schools +3.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Affordable 3-bedroom home offering a functional layout, generous yard space, and a spacious eat-in kitchen with plenty of room for dining and gathering. This property presents an excellent opportunity for buyers looking to add their own personal touches and build equity. Conveniently located on the west end of Davenport, with easy access to local amenities, shopping, and major roadways.

Key facts

• Generous yard space
• 2,613 sq ft lot
• Built 1900

Tags

• GENEROUS YARD SPACE
• SPACIOUS EAT-IN KITCHEN
• EASY ACCESS TO LOCAL AMENITIES
• EASY ACCESS TO SHOPPING
• EASY ACCESS TO MAJOR ROADWAYS

Property features AI

Finance

• Other: Living area recorded from assessor (approx. 988 finished sq ft, total finished/unfinshed approx. 1,352)
• HOA & community: No master association fee required

Exterior

• Utilities: Public water; Public sewer
• Home design: Detached single-family home; 2-story residence; Fee simple ownership
• Construction: Built over 100 years ago; Vinyl siding; Asphalt roof; Block and stone foundation; Unfinished partial basement (approx. 364 sq ft of basement)
• Exterior features: Level to sloped lot; Lot dimensions about 20 x 130; Lot under 0.25 acre

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Master bedroom on second floor (approx. 13 x 12); Second bedroom on second floor (approx. 10 x 9); Additional bedrooms listed
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: 2 total rooms (per listing)
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $428 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Cap rate 13.1% vs local median 4.4% in Davenport — 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 79/100 on livability (#126 in IA, #2,312 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, crime F.
• Davenport Community School District (urban): math 43% / reading 50% proficiency, ranked #288 of 289 in IA (top 100%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Jefferson Elementary School (math 21% / reading 24%, grade F, #615 of 616 statewide, top 100%, 460 students, 71% FRL); Central High School (math 45% / reading 64%, grade C-, #290 of 336 statewide, top 87%, 1,505 students, 47% FRL) — zoned schools at 59% FRL track the district average.
• Market conditions: 67 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 63% of comp listings sitting > 30 days — soft ceiling on asking rent; 805 units permitted in Scott County in 2024 (479 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Scott County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $75,000

Questions for the listing agent

1. Built in 1900 — 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. 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?
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: 1.55% ✓
• Cap rate: 13.14%
• Cash-on-cash: 24.47%
• DSCR: 2.09
• GRM: 5.4

CMA / ARV

• ARV (on-the-fly): $100,776
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1621 W 7th St	0.50mi	2/1.0 (-1)	997 (+1%)	2mo	$45,101	$45	69
1309 Clay St St	0.34mi	4/2.0 (+1)	948 (-4%)	3mo	$96,500	$102	66
1207 N Marquette St	0.52mi	3/1.5	1,038 (+5%)	7mo	$138,000	$133	60
1330 W 7th St	0.26mi	2/1.0 (-1)	842 (-15%)	2mo	$62,000	$74	57
1414 W 9th St	0.37mi	3/1.0	864 (-13%)	7mo	$103,585	$120	56
1701 W 8th St	0.56mi	3/1.0	1,090 (+10%)	3mo	$78,500	$72	55
1417 W 12th St	0.53mi	2/1.0 (-1)	872 (-12%)	1mo	$77,000	$88	50
1422 W 9th St	0.39mi	2/1.5 (-1)	1,049 (+6%)	19mo	$107,000	$102	49
1621 W 2nd St	0.56mi	2/1.0 (-1)	968 (-2%)	21mo	$45,000	$46	48
1123 W 13th St	0.58mi	2/1.0 (-1)	936 (-5%)	16mo	$122,900	$131	46
1510 W 9th St	0.48mi	2/2.0 (-1)	880 (-11%)	17mo	$114,000	$130	36

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 17.8%
• Equity multiple: 1.72×
• Total profit: $15,116
• Equity at exit: $11,183

10-year hold

• IRR: 26.2%
• Equity multiple: 3.30×
• Total profit: $48,275
• Equity at exit: $6,485

Cash invested: $21,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Iowa: 83 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; mostly landlord-friendly statewide.

Methodology + full state rankings →

ZIP-level market 52802

• Home prices YoY: -28.3%
• Active inventory: 67
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $1,161 high
• Mortgage (P&I): −$393
• Tax from tax record: −$65 /mo · $776/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$244
• Net cashflow: $428

Break-even live

Break-even rent $619

Max offer price $75,000

Occupancy floor 58%

Sensitivity live

Price	-10% $471	-5% $449	+0% $428	+5% $407	+10% $386
Rent	-10% $336	-5% $382	+0% $428	+5% $474	+10% $520
Rate	-1.0pp $466	-0.5pp $447	base $428	+0.5pp $409	+1.0pp $389

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1341 W 4th St Davenport, IA	3.0	1.5	979	$1,394	$1.42	45d	1	0.20mi
730 Brown St Unit 3 Davenport, IA	2.0	1.0	1000	$800	$0.80	45d	1	0.37mi
1529 W 6th St Davenport, IA	2.0	1.0	794	$850	$1.07	15d	1	0.44mi
627 N Division St Davenport, IA	2.0	1.0	800	$800	$1.00	45d	1	0.60mi
1455 W 12th St Davenport, IA	3.0	1.0	942	$1,095	$1.16	15d	1	0.61mi
1607 W 12th St Davenport, IA	1.0–2.0	1.0	800	$740	$0.93	45d	3	0.62mi
1318 1/2 Brown St Davenport, IA	2.0	1.0	900	$875	$0.97	23d	1	0.72mi
410 N Main St Unit 230 Davenport, IA	2.0	1.0	800	$1,250	$1.56	45d	1	0.74mi
401 Brady St Davenport, IA	1.0–3.0	1.0–2.0	870	$2,100	$2.41	15d	2	0.83mi
106 E 3rd St Davenport, IA	1.0–2.0	1.0	812	$1,299	$1.60	45d	1	0.85mi
1445 W 16th St Unit 3 Davenport, IA	2.0	1.0	765	$915	$1.20	45d	1	0.85mi
427 N Brady St Unit 6 Davenport, IA	2.0	1.0	916	$995	$1.09	45d	1	0.85mi
1912 Dixwell St Davenport, IA	4.0	2.0	1116	$1,300	$1.16	45d	1	0.88mi
200 E 3rd St Davenport, IA	1.0–2.0	1.0–2.0	900	$1,700	$1.89	15d	2	0.92mi
324 S Brady St Davenport, IA	1.0–2.0	1.0–2.0	965	$1,700	$1.76	23d	2	0.96mi
133 W 13th St Apt 3 Davenport, IA	2.0	1.0	800	$1,150	$1.44	15d	1	0.97mi
511 Pershing Ave Unit 105E Davenport, IA	2.0	2.0	1100	$1,635	$1.49	45d	1	0.99mi
511 Pershing Ave Unit 609W Davenport, IA	2.0	1.0	912	$1,317	$1.44	45d	1	0.99mi
511 Pershing Ave Unit 402W Davenport, IA	2.0	2.0	1106	$1,478	$1.34	45d	1	0.99mi
511 Pershing Ave Apt 602W Davenport, IA	2.0	2.0	948	$1,367	$1.44	45d	1	0.99mi
321 E 7th St Davenport, IA	1.0–2.0	1.0	825	$1,050	$1.27	15d	4	1.04mi
402 E 4th St Davenport, IA	1.0–2.0	1.0	805	$1,188	$1.48	15d	1	1.07mi
402 E 4th St Davenport, IA	1.0–2.0	1.0	749	$1,218	$1.63	45d	2	1.07mi
1615 1/2 N Ripley St Davenport, IA	2.0	1.0	900	$825	$0.92	45d	1	1.07mi
427 Iowa St Unit 1-C308 Davenport, IA	2.0	1.5	950	$1,354	$1.43	45d	1	1.08mi
411 E 8th St Davenport, IA	2.0	1.0	600	$750	$1.25	45d	1	1.11mi
445 Waverly Rd Davenport, IA	2.0	1.0	980	$1,200	$1.22	45d	1	1.29mi
201 E Locust St Unit Sw Davenport, IA	2.0	1.0	1000	$875	$0.88	45d	1	1.33mi
1812 Pershing Ave Unit 1 Davenport, IA	3.0	1.0	1000	$1,200	$1.20	23d	1	1.35mi
736 Federal St Davenport, IA	1.0–3.0	1.0–2.0	1186	$1,868	$1.57	23d	1	1.38mi

Listing history 3 events

1. 2026-06-21
   days on market $75,000 Active 3 DOM
2. 2026-06-18
   remarks 389-char remark
3. 2026-06-18
   listed $75,000 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 IA · Partial reset (capped growth)

• Current annual tax: $776 · $65/mo
• Projected year-2 tax: $977 · $81/mo
• Expected delta: +$201/yr (+$17/mo · 25.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,935
• − Mortgage interest: −$4,201
• − Property taxes: −$776
• − Insurance: −$375
• − Repairs & maintenance: −$1,115
• − Management: −$1,115
• − Depreciation: −$2,182
• Taxable income: $4,171
• Est. tax owed @ 24.0%: −$1,001
• After-tax cash flow: $4,137/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: Davenport Community School District
• NCES district ID: 1908580
• Math proficiency: 43% ▼ -11.00%
• Reading proficiency: 50% ▼ -3.00%
• Median HH income: $46,157
• Composite: 39.49/100
• National rank: #3951
• State rank: #288 of 289 in IA

Livability — Davenport

• Score: 79/100
• State rank: #126
• US rank: #2312

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Davenport, IA
• County: Scott County · 144,583 people
• City population: 103,319
• Metro: Davenport-Moline-Rock Island, IA-IL
• Population (ZIP): 9,466
• Household income: $54,380
• Rent vs Own: 29.4% rent · 70.6% own
• Severe rent burden: 244.0

Population outlook (Scott County) Hauer SSP2

• Today (2025): 188,878 people
• By 2030: 196,648 · +4.1%
• By 2040: 210,860 · +11.6%
• By 2050: 224,359 · +18.8%
• By 2075: 258,884 · +37.1%
• By 2100: 286,447 · +51.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 14% Two or more races 10% Black 5% Asian 1%
• Hispanic origin (detail): Mexican 13%
• Common ancestry: Romanian 2% Lithuanian 1% Italian 1%
• Foreign-born: 4% · Canada, Vietnam
• Languages at home: 92% English-only · Spanish 7%

Political lean MEDSL · Scott

• 2024 margin: Toss-up / Even · D 47.3% · R 51.2% · Other 1.4%
• 2008→2024 swing: -18.4pp toward R · 2008: 14.6pp · 2024: -3.9pp
• All cycles: 2024: R+3.9 2020: D+3.5 2016: D+1.4 2012: D+13.8 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -59.59%
• Current HPI: 151.2076
• Rent YoY: —
• Metro: Davenport-Moline-Rock Island, IA-IL
• State GDP YoY: ▲ 2.48%
• F500 in state: 4

Industry mix (Fortune 500 HQ in IA)

Industry	F500 HQs	Revenue
▸Financial Services	1	$16B
▸Retail / Convenience	1	$15B

Price history

1 event — show timeline

• 2026-06-16 Listed $75,000 MRED as Distributed by MLS Grid

Property tax history

+5.1%/yr

Latest (2025): $776 · +2.4% YoY. Source: county tax records.