14532 Sir Peyton Dr · Enon, VA 23836

$278,000

3 bd · 1.5 ba · 1,222 sqft · SingleFamily public records · 42 Days on market

Built 1970 0.28 ac lot $227/sqft · 10% below area Est $307k · 10% under

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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 +13.3/30.0
• ARV discount +11.8/15.0
• Schools +5.2/10.0
• DSCR +4.0/10.0
• Livability +3.4/5.0
• 1% rule +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This property offers a fantastic chance to build equity in Chester. Whether you're an investor, renovator, or buyer searching for a home with potential, this property is a great opportunity. This beautiful brick 3 bedroom home offers a functional floor plan with hardwood floors running throughout majority of the home. The large eat-in kitchen looks out into a spacious privately fenced in back yard with a detached garage. This home is move in ready but also a great opportunity to customize and update to your style. Located in Chesterfield County and conveniently located near shopping, dining, schools, and major highways, making commuting to Richmond, Petersburg, and the surrounding Tri-Citie

Key facts

• Eat-in kitchen
• Hardwood floors
• Detached garage

Tags

• HARDWOOD FLOORS
• EAT-IN KITCHEN
• PRIVATELY FENCED BACK YARD
• DETACHED GARAGE

Property features AI

Exterior

• Parking: Detached garage; Off-street parking; 1 garage space
• Utilities: Public water; Public sewer; Electric water heater
• Home design: Single-story home; Resale property
• Construction: Brick and block construction with drywall interior; Shingle roof; Built (actual year recorded)
• Exterior features: Rear porch; Deck; Partially fenced back yard with wood fencing; Garage(s) on property

Interior

• Kitchen: Dishwasher; Stove; Electric water heater; Eat-in kitchen
• Bedrooms: Total rooms: 6
• Flooring: Tile; Wood
• Bathrooms: 1 full bathroom with shower; 1 half bathroom
• Heating & cooling: Heat pump heating (electric); Central air conditioning
• Interior features: Bay window; Ceiling fan(s); Eat-in kitchen; Laminate counters; Walk-in closet(s); Paneling/Wainscoting; Accessible approach with ramp; Accessibility features
• Laundry & utility: Washer hookup; Dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $278k.

Deal economics

• At list price, monthly cash flow is $-67 ($-807/yr) — negative.
• To cash-flow at today's rent, offer at most $266k (4.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $223k (19.8% below list).
• Recommended offer: $223k (19.8% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 3.4% in Enon — 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 67/100 on livability (#293 in VA) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A, crime A-; Watch: amenities F, commute F.
• Chesterfield County Public School District (suburban): math 52% / reading 64% proficiency, ranked #57 of 131 in VA (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Enon Elementary (math 53% / reading 67%, grade B-, #533 of 1,108 statewide, top 48%, 781 students, 81% FRL); Elizabeth Davis Middle (math 41% / reading 44%, grade D-, #291 of 342 statewide, top 86%, 1,337 students, 44% FRL); Thomas Dale High (math 41% / reading 82%, grade B-, #240 of 319 statewide, top 75%, 2,556 students, 41% FRL) — zoned schools average 55% FRL vs 26% district-wide (29 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 72 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 2,307 units permitted in Chesterfield County in 2024 (462 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Chesterfield County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($270k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $170k; list at $278k implies a 64% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; major wind risk, 40% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $223,031 (19.8% below list)

Questions for the listing agent

1. 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?
2. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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?
8. 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.
9. 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.
10. 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: 0.80% ✗
• Cap rate: 6.29%
• Cash-on-cash: -0.01%
• DSCR: 1.00
• GRM: 10.4

CMA / ARV

• ARV (median comp): $307,361
• List price: $278,000
• Delta: -9.55%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14706 Gimbel Dr	0.15mi	3/1.5	1,326 (+8%)	7mo	$335,000	$253	73
1600 Cobbs Ave	0.57mi	3/2.0	1,250 (+2%)	2mo	$351,750	$281	66
14202 Barberry Ct	0.51mi	3/2.0	1,216 (-0%)	11mo	$310,000	$255	64
2400 E Hundred Rd	0.59mi	3/1.0	1,224 (+0%)	11mo	$305,000	$249	61
14306 Traywick Dr	0.62mi	3/2.0	1,272 (+4%)	3mo	$325,000	$256	60
14126 Bermuda Point Ct	0.64mi	3/2.5	1,300 (+6%)	2mo	$330,000	$254	54
14027 Starpine Ln	0.62mi	3/2.0	1,104 (-10%)	1mo	$310,000	$281	52
14612 Jefferson Ave	0.45mi	2/1.0 (-1)	1,350 (+10%)	5mo	$225,000	$167	50
14100 Bermuda Point Ct	0.72mi	3/2.5	1,300 (+6%)	3mo	$320,000	$246	49
14006 Hackberry Rd	0.69mi	3/2.0	1,369 (+12%)	9mo	$339,000	$248	38
14116 Bolling Ave	0.64mi	3/2.0	1,050 (-14%)	12mo	$345,000	$329	35
14405 Santell Dr	0.74mi	3/1.5	1,052 (-14%)	9mo	$295,000	$280	35

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: -18.0%
• Equity multiple: 0.37×
• Total profit: $-49,355
• Equity at exit: $41,451

10-year hold

• IRR: -10.3%
• Equity multiple: 0.38×
• Total profit: $-48,586
• Equity at exit: $24,036

Cash invested: $77,840 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State Virginia: 55 Moderately Landlord-Leaning · D+2
• County: — inherits STATE
• City: — inherits STATE

VRLTA gives some tenant protections; Northern Virginia courts slower; rural VA landlord-leaning.

Methodology + full state rankings →

ZIP-level market 23836

• Home prices YoY: -26.5%
• Active inventory: 72
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,230 medium
• Mortgage (P&I): −$1,458
• Tax from tax record: −$189 /mo · $2,269/yr
• Insurance: −$116
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$468
• Net cashflow: $-67

Break-even live

Break-even rent $2,315

Max offer price $266,118

Occupancy floor 98%

Sensitivity live

Price	-10% $90	-5% $11	+0% $-67	+5% $-146	+10% $-225
Rent	-10% $-243	-5% $-155	+0% $-67	+5% $21	+10% $109
Rate	-1.0pp $73	-0.5pp $3	base $-67	+0.5pp $-139	+1.0pp $-213

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: $69,500
• Closing costs: $8,340
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
15219 Spruce Ave Chester, VA	3.0	1.5	1052	$1,991	$1.89	25d	1	0.50mi
1530 River Tree Dr Chester, VA	2.0–3.0	2.0–2.5	1334	$2,483	$1.86	3d	27	0.90mi

Listing history 17 events

1. 2026-06-21
   days on market $278,000 Active 42 DOM
2. 2026-06-18
   days on market $278,000 Active 39 DOM
3. 2026-06-17
   days on market $278,000 Active 38 DOM
4. 2026-06-16
   days on market $278,000 Active 37 DOM
5. 2026-06-15
   days on market $278,000 Active 36 DOM
6. 2026-06-13
   days on market $278,000 Active 34 DOM
7. 2026-06-13
   pricedays on market $278,000 Active 33 DOM
8. 2026-06-09
   days on market $288,000 Active 30 DOM
9. 2026-06-08
   days on market $288,000 Active 29 DOM
10. 2026-06-07
    days on market $288,000 Active 28 DOM
11. 2026-06-05
    days on market $288,000 Active 25 DOM
12. 2026-06-03
    days on market $288,000 Active 24 DOM
13. 2026-06-02
    days on market $288,000 Active 23 DOM
14. 2026-06-01
    days on market $288,000 Active 22 DOM
15. 2026-05-31
    days on market $288,000 Active 21 DOM
16. 2026-05-07
    listed $288,000 Active 945-char remark
17. 1978-05-26
    soldstatus $38,200

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

Tax reassessment forecast VA · Resets to sale price

• Current annual tax: $2,269 · $189/mo
• Projected year-2 tax: $2,280 · $190/mo
• Expected delta: +$11/yr (+$1/mo · 0.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥109°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 40% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,764
• − Mortgage interest: −$15,572
• − Property taxes: −$2,269
• − Insurance: −$2,188
• − Repairs & maintenance: −$2,141
• − Management: −$2,141
• − Depreciation: −$8,087
• Taxable loss: −$5,634
• Est. tax savings @ 24.0%: +$1,352
• After-tax cash flow: $545/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: Chesterfield County Public School District
• NCES district ID: 5100840
• Math proficiency: 52% ▼ -30.00%
• Reading proficiency: 64% ▼ -15.00%
• Median HH income: $72,821
• Composite: 51.56/100
• National rank: #1712
• State rank: #57 of 131 in VA

Livability — Enon

• Score: 67/100
• State rank: #293
• US rank: #10437

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enon, VA
• County: Chesterfield County · 406,988 people
• Metro: Richmond, VA
• Population (ZIP): 15,298
• Household income: $100,921
• Rent vs Own: 24.5% rent · 75.5% own
• Severe rent burden: 163.0

Population outlook (Chesterfield County) Hauer SSP2

• Today (2025): 377,190 people
• By 2030: 395,710 · +4.9%
• By 2040: 427,694 · +13.4%
• By 2050: 452,706 · +20.0%
• By 2075: 505,533 · +34.0%
• By 2100: 521,282 · +38.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 47% Black 25% Hispanic / Latino 14% Two or more races 9% Asian 6%
• Hispanic origin (detail): Mexican 4% Puerto Rican 3% Dominican 1%
• Common ancestry: Romanian 2% Hispanic 2% Serbian 1%
• Foreign-born: 12% · Canada
• Languages at home: 82% English-only · Spanish 10% Other Indo-European 4% Other Asian/Pacific 2%

Political lean MEDSL · Chesterfield

• 2024 margin: Lean D (+9.0) · D 53.8% · R 44.8% · Other 1.4%
• 2008→2024 swing: +16.4pp toward D · 2008: -7.5pp · 2024: 9.0pp
• All cycles: 2024: D+9.0 2020: D+6.7 2016: R+2.2 2012: R+7.1 2008: R+7.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -92.68%
• Current HPI: 257.2013
• Rent YoY: —
• Metro: Richmond, VA
• State GDP YoY: ▲ 2.40%
• F500 in state: 50

Industry mix (Fortune 500 HQ in VA)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	4	$236B
▸Technology / Defense	3	$32B
▸Financial Services	2	$176B
▸Utilities	2	$27B
▸Insurance	2	$25B
▸Technology	2	$15B

Price history

+627.7% since first listed

4 events — show timeline

• 2026-06-12 Price Changed $278,000 CVRMLS
• 2026-05-07 Sold (Public Records) $170,000 Public Records
• 2026-05-07 Listed $288,000 CVRMLS
• 1978-05-26 Sold (Public Records) $38,200 Public Records

Property tax history

+5.5%/yr

Latest (2025): $2,269 · +6.9% YoY. Source: county tax records.