15 N 450 E · Escalante, UT
Flood risk 1/10 · Minimal
- FEMA flood zone
- X
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $453 – $841
Heat risk 3/10 · Minor
- Hot days now (above 93°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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 +11.5/30.0
- ARV discount +7.5/15.0
- Appreciation +5.0/10.0
- DSCR +3.4/10.0
- Schools +3.1/10.0
- Livability +3.1/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- 1% rule +2.1/10.0
$170,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Great starter home or easy recreational getaway in the Heart of the Escalante Grand Staircase Nat'l Monument. Minutes from Mountains, slot canyons and world-class hiking. Turn key with all furnishings & appliances included. Home was updated in the 90's, large primary bedroom with spacious bathroom and closets. 2 car garage, storage shed & nice front porch with views of the Escalante Canyons! Comfortable wood stove to keep you cozy in the winter. Covered back deck off the kitchen for country gatherings. Situated on a large corner lot. Needs a little TLC - Perfect opportunity to enjoy the slow pace of life at an affordable price! Ask for details.
Key facts
- Large corner lot
- Nice front porch
- World-class hiking
Tags
Property features AI
Exterior
- Parking: 2-car garage; 6 open parking spaces; 2 covered parking spaces; RV parking (40 ft)
- Utilities: Electricity connected; Sewer connected; Culinary water connected
- Home design: Mobile home (1995); Single-family use; Faces west
- Construction: Clapboard/Masonite siding; Asphalt roof; Built/standing condition; Year built (effective) 1995
- Exterior features: Open porch; Covered deck; Outbuildings; Exterior lighting; Partially fenced yard; Mountain view; Corner lot; Mature trees; Flat terrain
Interior
- Kitchen: Microwave; Refrigerator; Range/Oven
- Bedrooms: 3 bedrooms on the main level; Primary bedroom on the 1st floor
- Flooring: Carpet; Linoleum
- Bathrooms: 2 full bathrooms
- Heating & cooling: Oil heating; Wood heating; Natural ventilation cooling
- Interior features: Free standing range/oven; Drapes; Wood stove; 1 fireplace (wood)
- Laundry & utility: Washer; Dryer
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath other listed at $170k.
Deal economics
- At list price, monthly cash flow is $-55 ($-663/yr) — negative.
- To cash-flow at today's rent, offer at most $160k (5.7% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $121k (29.1% below list).
- Recommended offer: $121k (29.1% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 62/100 on livability (#198 in UT) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A-, crime B+; Watch: employment D, amenities F, commute F.
- Garfield District (rural): math 35% / reading 38% proficiency, ranked #59 of 80 in UT (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Escalante School (math 34% / reading 44%, grade F, #332 of 585 statewide, top 58%, 107 students, 51% FRL); Escalante High (math 30% / reading 50%, grade F, #63 of 171 statewide, top 37%, 74 students, 36% FRL).
- Market conditions: 24 active listings in the ZIP; 57 units permitted in Garfield County in 2024 (0 in 5+ unit buildings).
Forward outlook
- In year one you build about $6k of equity ($1k loan paydown + $5k appreciation (3.0% local appreciation)).
- Garfield County population projected at -27% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
- At projected returns (3.0% appreciation + 3.0% rent growth), your $48k cash investment doubles in ~7 years — after that, you're playing with house money.
- By year 6, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 105 days — a 9% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 2y ago 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
- Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 105 days. Have you received any prior offers? Is the seller open to a 29% concession, seller financing, or rate buy-down credit?
- Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 0.71% ✗
- Cap rate
- 5.90%
- Cash-on-cash
- -1.39%
- DSCR
- 0.94
- GRM
- 11.7
CMA / ARV
No comps found within radius.
Projected returns pro-forma
3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 6.2%
- Equity multiple
- 1.35×
- Total profit
- $16,875
- Equity at exit
- $76,439
- IRR
- 9.0%
- Equity multiple
- 2.36×
- Total profit
- $64,917
- Equity at exit
- $117,802
Cash invested: $47,600 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 86 Strongly Landlord-Friendly
- State Utah
- 86 Strongly Landlord-Friendly · R+15
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 84726
- Active inventory
- 24
- Price-to-rent
- 11.7×
Monthly cashflow live
- Estimated rent
- $1,206 medium interval (Pro) →
- Mortgage (P&I)
- −$891
- Tax from tax record
- −$46 /mo · $549/yr
- Insurance
- −$71
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$253
- Net cashflow
- $-55
Break-even live
Sensitivity live
| Price | -10% $41 | -5% $-7 | +0% $-55 | +5% $-103 | +10% $-151 |
|---|---|---|---|---|---|
| Rent | -10% $-151 | -5% $-103 | +0% $-55 | +5% $-8 | +10% $40 |
| Rate | -1.0pp $30 | -0.5pp $-12 | base $-55 | +0.5pp $-99 | +1.0pp $-144 |
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
- $42,500
- Closing costs
- $5,100
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 22 events
-
2026-06-21days on market $170,000 Active 105 DOM
-
2026-06-18days on market $170,000 Active 103 DOM
-
2026-06-17days on market $170,000 Active 102 DOM
-
2026-06-16days on market $170,000 Active 101 DOM
-
2026-06-15days on market $170,000 Active 100 DOM
-
2026-06-15days on market $170,000 Active 99 DOM
-
2026-06-13days on market $170,000 Active 98 DOM
-
2026-06-12days on market $170,000 Active 97 DOM
-
2026-06-09days on market $170,000 Active 94 DOM
-
2026-06-08days on market $170,000 Active 93 DOM
-
2026-06-08days on market $170,000 Active 92 DOM
-
2026-06-07days on market $170,000 Active 91 DOM
-
2026-06-03days on market $170,000 Active 88 DOM
-
2026-06-02days on market $170,000 Active 87 DOM
-
2026-06-01days on market $170,000 Active 86 DOM
-
2026-05-31days on market $170,000 Active 85 DOM
-
2026-03-08$170,000 Active
-
2026-03-05$170,000 Active 665-char remark
Show marketing remark (665 chars)
Great starter home or easy recreational getaway in the Heart of the Escalante Grand Staircase Nat'l Monument. Minutes from Mountains, slot canyons and world-class hiking. Turn key with all furnishings & appliances included. Home was updated in the 90's, large primary bedroom with spacious bathroom and closets. 2 car garage, storage shed & nice front porch with views of the Escalante Canyons! Comfortable wood stove to keep you cozy in the winter. Covered back deck off the kitchen for country gatherings. Situated on a large corner lot. Needs a little TLC - Perfect opportunity to enjoy the slow pace of life at an affordable price! Ask for details.
-
2025-11-01historical
-
2025-04-23$190,000 Active
-
2025-04-01historical
-
2024-10-12$250,000 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 UT · Resets to sale price
- Current annual tax
- $549 · $46/mo
- Projected year-2 tax
- $1,122 · $94/mo
- Expected delta
- +$573/yr (+$48/mo · 104.4%)
ⓘ 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 · 0% chance over 30 yrs
- Wildfire 5/10 Major
- Heat 3/10 Moderate 7 d/yr ≥93°F today · 19 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $14,473
- − Mortgage interest
- −$9,523
- − Property taxes
- −$549
- − Insurance
- −$850
- − Repairs & maintenance
- −$1,158
- − Management
- −$1,158
- − Depreciation
- −$4,945
- Taxable loss
- −$3,710
- Est. tax savings @ 24.0%
- +$890
- After-tax cash flow
- $227/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
- Garfield District
- NCES district ID
- 4900300
- Math proficiency
- 35% ▼ -9.00%
- Reading proficiency
- 38% ▼ -4.00%
- Median HH income
- $46,018
- Composite
- 31.2/100
- National rank
- #6045
- State rank
- #59 of 80 in UT
Livability — Escalante
- Score
- 62/100
- State rank
- #198
- US rank
- #16350
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Escalante, UT
- City population
- 792
- Population (ZIP)
- 792
Population outlook (Garfield County) Hauer SSP2
- Today (2025)
- 4,614 people
- By 2030
- 4,366 · -5.4%
- By 2040
- 3,801 · -17.6%
- By 2050
- 3,384 · -26.7%
- By 2075
- 2,877 · -37.6%
- By 2100
- 2,822 · -38.8%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (97%)
- Race & ethnicity
- White 97% Two or more races 3%
- Common ancestry
- Italian 19% Portuguese 12% Lithuanian 6%
- Foreign-born
- 0%
- Languages at home
- 95% English-only · Spanish 5%
Political lean MEDSL · Garfield
- 2024 margin
- Solid R (+59.4) · D 19.2% · R 78.7% · Other 2.1%
- 2008→2024 swing
- +1.0pp toward D · 2008: -60.4pp · 2024: -59.4pp
- All cycles
- 2024: R+59.4 2020: R+60.2 2016: R+53.4 2012: R+69.8 2008: R+60.4
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- —
- Current HPI
- —
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 3.54%
- F500 in state
- 2
Industry mix (Fortune 500 HQ in UT)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 1 | $3B |
|
||
Price history
-32.0% since first listed6 events — show timeline
- 2026-03-08 Listed $170,000 WFRMLS
- 2026-03-05 Listed $170,000 WCBOR
- 2025-11-01 Listing Removed — WFRMLS
- 2025-04-23 Listed $190,000 WFRMLS
- 2025-04-01 Listing Removed — WFRMLS
- 2024-10-12 Listed $250,000 WFRMLS
Property tax history
+3.2%/yrLatest (2025): $549 · +11.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…