68 Blueberry Dr · Wolcott, VT
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $480 – $892
Heat risk 1/10 · Minimal
- Hot days now (above 88°F)
- 7 days/yr
- Hot days in 30 yrs
- 16 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 3.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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 +16.3/30.0
- ARV discount +15.0/15.0
- Appreciation +6.9/10.0
- DSCR +5.1/10.0
- Schools +5.0/10.0
- 1% rule +3.7/10.0
- Rent growth +2.5/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
$159,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Refreshed with new floors in the living room and painted interior, this stunning lot offers a blend of nature and opportunity on a cozy 1.1 acres. Surrounded by open lawns and a mix of hardwood and softwood trees, this property is ideal for your dream home. The 2-BR, 2-BA manufactured in 2000 provides a comfortable and relaxing living space in this peaceful setting. The lot includes its own septic system and a shared drilled well, ensuring convenience and functionality. Don’t miss this chance to own a piece of Vermont!
Key facts
- New floors
- Cozy 1.1 acres
- Painted interior
Tags
Property features AI
Exterior
- Parking: Common/shared driveway
- Utilities: Drilled well (private, shared); Septic system; 100 Amp electric service with circuit breakers; Satellite internet available
- Home design: Manufactured/Mobile home; Existing construction; Metal roof; Built in 2000
- Construction: Other construction materials
- Exterior features: Country setting; Wooded; Rural lot
Interior
- Bathrooms: Two full bathrooms
- Heating & cooling: Oil heating; Hot air heating
- Interior features: Five total rooms
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath manufactured listed at $159k.
Deal economics
- At list price, monthly cash flow is $88 ($1k/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 $138k (13.1% below list).
- Recommended offer: $138k (13.1% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
- Zoned schools: Wolcott Elementary School (math 34% / reading 44%, grade F, #96 of 192 statewide, top 57%, 121 students, 21% FRL).
- Market conditions: 21 active listings in the ZIP; 133 units permitted in Lamoille County in 2024 (15 in 5+ unit buildings).
Forward outlook
- In year one you build about $7k of equity ($1k loan paydown + $6k appreciation (3.7% local appreciation)).
- Lamoille County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
- At projected returns (3.7% appreciation + 3.0% rent growth), your $45k cash investment doubles in ~5 years — after that, you're playing with house money.
- By year 5, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 24 days — a 2% lower offer ($157k) is reasonable based on typical stale-listing flexibility.
Questions for the listing agent
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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
- 0.87% ✗
- Cap rate
- 6.96%
- Cash-on-cash
- 2.38%
- DSCR
- 1.11
- GRM
- 9.6
CMA / ARV
- ARV (on-the-fly)
- $222,376
- Comps found
- 1
Show comp detail 1 sale within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 172 Belanger Ln | 0.42mi | 3/2.0 (+1) | 952 (-10%) | 13mo | $199,000 | $209 | 47 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
3.71% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 11.6%
- Equity multiple
- 1.69×
- Total profit
- $30,769
- Equity at exit
- $77,908
- IRR
- 13.3%
- Equity multiple
- 3.12×
- Total profit
- $94,386
- Equity at exit
- $125,311
Cash invested: $44,520 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 41 Moderately Tenant-Leaning
- State Vermont
- 41 Moderately Tenant-Leaning · D+15
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 05680
- Home prices YoY
- 1.5%
- Active inventory
- 21
- Price-to-rent
- 9.6×
Monthly cashflow live
- Estimated rent
- $1,382 medium interval (Pro) →
- Mortgage (P&I)
- −$834
- Tax from tax record
- −$104 /mo · $1,244/yr
- Insurance
- −$66
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$290
- Net cashflow
- $88
Break-even live
Sensitivity live
| Price | -10% $178 | -5% $133 | +0% $88 | +5% $43 | +10% $-2 |
|---|---|---|---|---|---|
| Rent | -10% $-21 | -5% $34 | +0% $88 | +5% $143 | +10% $197 |
| Rate | -1.0pp $168 | -0.5pp $129 | base $88 | +0.5pp $47 | +1.0pp $5 |
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
- $39,750
- Closing costs
- $4,770
- 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 $159,000 Active 24 DOM
-
2026-06-21days on market $159,000 Active 23 DOM
-
2026-06-18days on market $159,000 Active 21 DOM
-
2026-06-17days on market $159,000 Active 20 DOM
-
2026-06-16days on market $159,000 Active 19 DOM
-
2026-06-15days on market $159,000 Active 18 DOM
-
2026-06-15days on market $159,000 Active 17 DOM
-
2026-06-13days on market $159,000 Active 16 DOM
-
2026-06-12pricestatusdays on market $159,000 Active 15 DOM
-
2026-06-09days on market $189,000 Active with Contract 12 DOM
-
2026-06-08days on market $189,000 Active with Contract 11 DOM
-
2026-06-08days on market $189,000 Active with Contract 10 DOM
-
2026-06-05days on market $189,000 Active with Contract 8 DOM
-
2026-06-03days on market $189,000 Active with Contract 6 DOM
-
2026-06-02days on market $189,000 Active with Contract 5 DOM
-
2026-06-02status $189,000 Active with Contract 4 DOM
-
2026-06-01days on market $189,000 Active 4 DOM
-
2026-05-31days on market $189,000 Active 3 DOM
-
2026-05-28$189,000 Active
-
2026-01-13price $189,000
-
2025-09-25price $210,000
-
2025-09-10price $220,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast VT · Partial reset (capped growth)
- Current annual tax
- $1,244 · $104/mo
- Projected year-2 tax
- $2,133 · $178/mo
- Expected delta
- +$888/yr (+$74/mo · 71.4%)
ⓘ 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 1/10 Low 7 d/yr ≥88°F today · 16 d/yr by 30 yrs out
- Wind 2/10 Low 3% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 1 unhealthy d/yr today · 1 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
- $16,588
- − Mortgage interest
- −$8,906
- − Property taxes
- −$1,244
- − Insurance
- −$795
- − Repairs & maintenance
- −$1,327
- − Management
- −$1,327
- − Depreciation
- −$4,625
- Taxable loss
- −$1,637
- Est. tax savings @ 24.0%
- +$393
- After-tax cash flow
- $1,452/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)
No district data.
Livability — Wolcott
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- Population (ZIP)
- 2,052
Population outlook (Lamoille County) Hauer SSP2
- Today (2025)
- 26,543 people
- By 2030
- 27,035 · +1.9%
- By 2040
- 27,643 · +4.1%
- By 2050
- 27,674 · +4.3%
- By 2075
- 27,012 · +1.8%
- By 2100
- 24,175 · -8.9%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (96%)
- Race & ethnicity
- White 96% Black 2% Two or more races 2%
- Common ancestry
- Lithuanian 9% Slovak 4% Italian 3%
- Foreign-born
- 1% · Canada
- Languages at home
- 96% English-only · French/Haitian/Cajun 1% Spanish 1% Other Indo-European 1%
Political lean MEDSL · Lamoille
- 2024 margin
- Solid D (+35.8) · D 66.3% · R 30.5% · Other 3.1%
- 2008→2024 swing
- -6.8pp toward R · 2008: 42.6pp · 2024: 35.8pp
- All cycles
- 2024: D+35.8 2020: D+40.8 2016: D+31.5 2012: D+42.1 2008: D+42.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 3.71%
- Current HPI
- 244.5629
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- —
- F500 in state
- 0
Price history
-14.1% since first listed4 events — show timeline
- 2026-05-28 Listed $189,000 PrimeMLS
- 2026-01-13 Price Changed $189,000 PrimeMLS
- 2025-09-25 Price Changed $210,000 PrimeMLS
- 2025-09-10 Price Changed $220,000 PrimeMLS
Property tax history
-3.3%/yrLatest (2024): $1,244 · -6.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…