413 N Peach Ave · Marshfield, WI 54449

$112,000

3 bd · 2.0 ba · 1,029 sqft · Other · 45 Days on market

Built 1908 8,276 sqft lot

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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 +13.1/30.0
• ARV discount +7.5/15.0
• 1% rule +4.4/10.0
• Schools +4.0/10.0
• Livability +4.0/5.0
• DSCR +3.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This property is in a great location with a spacious yard. It features 3 bedrooms, 2 bathrooms, and a large 2-car detached garage. The main level includes a full bath, an eat-in kitchen, a spacious living room, and a laundry room. The upper level contains all 3 bedrooms and a second full bathroom.

Key facts

• Spacious yard
• Laundry room
• Eat-in kitchen

Tags

• SPACIOUS YARD
• EAT-IN KITCHEN
• SPACIOUS LIVING ROOM
• LAUNDRY ROOM

Property features AI

Exterior

• Parking: Detached 2-car garage
• Utilities: Municipal water; Municipal sewer; Power and heating fuel: LP gas and oil
• Home design: 1.5-story single-family home; Residential zoning; Lot size about 0.19 acre
• Construction: Shingle roof; Approximate finished above-grade area in the 1001–1250 sq ft range; Below-grade unfinished area (basement) about 729 sq ft
• Exterior features: Patio; Porch; Brick exterior

Interior

• Kitchen: Kitchen on main level about 13 x 11; Refrigerator; Range/Oven
• Bedrooms: Master bedroom (upper level) about 13 x 10; Bedroom 2 (upper level) about 11 x 10; Bedroom 3 (upper level) about 10 x 10
• Flooring: Carpet
• Bathrooms: Two full bathrooms
• Heating & cooling: Forced air heating; No central cooling; Heated by LP gas and oil
• Interior features: Carpet flooring in living areas
• Laundry & utility: Main-level laundry room about 7 x 14; Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $112k.

Deal economics

• At list price, monthly cash flow is $-4 ($-43/yr) — negative.
• To cash-flow at today's rent, offer at most $111k (0.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $105k (6.5% below list).
• Recommended offer: $105k (6.5% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 2.9% in Marshfield — 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 80/100 on livability (#62 in WI, #1,688 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+; Watch: commute F.
• Marshfield Unified School District (town): math 44% / reading 50% proficiency, ranked #79 of 342 in WI (top 23%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Marshfield High (math 38% / reading 52%, grade D-, #58 of 483 statewide, top 12%, 1,242 students, 33% FRL).
• Market conditions: 86 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 122 units permitted in Wood County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $774 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Wood County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($109k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1908 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $104,738 (6.5% 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 45 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
3. Built in 1908 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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?
7. 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.
8. 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.
9. 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: 0.94% ✗
• Cap rate: 6.25%
• Cash-on-cash: -0.14%
• DSCR: 0.99
• GRM: 8.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -16.5%
• Equity multiple: 0.42×
• Total profit: $-18,326
• Equity at exit: $16,700

10-year hold

• IRR: -8.1%
• Equity multiple: 0.49×
• Total profit: $-16,044
• Equity at exit: $9,684

Cash invested: $31,360 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Wisconsin: 73 Landlord-Friendly · R+2
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; Madison / Milwaukee have some local enforcement.

Methodology + full state rankings →

ZIP-level market 54449

• Active inventory: 86
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,047 medium
• Mortgage (P&I): −$587
• Tax from tax record: −$197 /mo · $2,364/yr
• Insurance: −$47
• HOA: −$0
• Vacancy / Maint / Mgmt: −$220
• Net cashflow: $-4

Break-even live

Break-even rent $1,052

Max offer price $111,369

Occupancy floor 95%

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: $28,000
• Closing costs: $3,360
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2411 Monique Ln Unit 1004-4 Marshfield, WI	2.0	1.0	1100	$1,250	$1.14	43d	1	1.01mi
1010 Sawyer Dr Unit 107 Marshfield, WI	2.0	1.0	800	$895	$1.12	43d	1	1.48mi
1010 Sawyer Dr Unit 102 Marshfield, WI	2.0	1.0	800	$995	$1.24	43d	1	1.48mi
1010 Sawyer Dr Unit 205 Marshfield, WI	2.0	1.0	800	$895	$1.12	44d	1	1.48mi

Listing history 16 events

1. 2026-06-18
   days on market $112,000 Active 45 DOM
2. 2026-06-17
   days on market $112,000 Active 44 DOM
3. 2026-06-16
   days on market $112,000 Active 43 DOM
4. 2026-06-15
   days on market $112,000 Active 42 DOM
5. 2026-06-15
   days on market $112,000 Active 41 DOM
6. 2026-06-13
   days on market $112,000 Active 40 DOM
7. 2026-06-12
   pricedays on market $112,000 Active 39 DOM
8. 2026-06-09
   days on market $140,000 Active 36 DOM
9. 2026-06-08
   days on market $140,000 Active 35 DOM
10. 2026-06-08
    days on market $140,000 Active 34 DOM
11. 2026-06-07
    days on market $140,000 Active 33 DOM
12. 2026-06-03
    days on market $140,000 Active 30 DOM
13. 2026-06-02
    days on market $140,000 Active 29 DOM
14. 2026-06-01
    days on market $140,000 Active 28 DOM
15. 2026-05-31
    days on market $140,000 Active 27 DOM
16. 2026-05-04
    listed $140,000 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 WI · Partial reset (capped growth)

• Current annual tax: $2,364 · $197/mo
• Projected year-2 tax: $2,364 · $197/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 1/10 Low
• 🌡 Heat 1/10 Low 7 d/yr ≥97°F today · 13 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: $12,569
• − Mortgage interest: −$6,274
• − Property taxes: −$2,364
• − Insurance: −$560
• − Repairs & maintenance: −$1,005
• − Management: −$1,005
• − Depreciation: −$3,258
• Taxable loss: −$1,898
• Est. tax savings @ 24.0%: +$456
• After-tax cash flow: $413/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: Marshfield Unified School District
• NCES district ID: 5508820
• Math proficiency: 44% ▼ -4.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $50,784
• Composite: 40.35/100
• National rank: #3743
• State rank: #79 of 342 in WI

Livability — Marshfield

• Score: 80/100
• State rank: #62
• US rank: #1688

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Marshfield, WI
• Population (ZIP): 26,368

Population outlook (Wood County) Hauer SSP2

• Today (2025): 69,530 people
• By 2030: 66,919 · -3.8%
• By 2040: 60,735 · -12.6%
• By 2050: 54,077 · -22.2%
• By 2075: 41,820 · -39.9%
• By 2100: 31,863 · -54.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 4% Hispanic / Latino 3% Asian 2%
• Common ancestry: Romanian 8% Portuguese 6% Lithuanian 3%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 1% German/W. Germanic 1% Other Asian/Pacific 1%

Political lean MEDSL · Wood

• 2024 margin: R (+19.9) · D 39.4% · R 59.3% · Other 1.3%
• 2008→2024 swing: -33.1pp toward R · 2008: 13.1pp · 2024: -19.9pp
• All cycles: 2024: R+19.9 2020: R+19.2 2016: R+19.3 2012: R+2.9 2008: D+13.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -110.73%
• Current HPI: 171.5799
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.10%
• F500 in state: 20

Industry mix (Fortune 500 HQ in WI)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$23B
▸Industrial Technology	2	$36B
▸Insurance	1	$36B
▸Professional Services	1	$19B
▸Utilities	1	$9B
▸Consumer Goods	1	$3B

Price history

1 event — show timeline

• 2026-05-04 Listed $140,000 CWMLS

Property tax history

+2.2%/yr

Latest (2025): $2,364 · -14.5% YoY. Source: county tax records.