222 W Woodrow St · Grygla, MN 56727

$79,900

3 bd · 1.0 ba · 624 sqft · SingleFamily public records · 215 Days on market

Built 1940 6,969 sqft lot

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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 +21.6/30.0
• Appreciation +8.1/10.0
• ARV discount +7.5/15.0
• DSCR +6.9/10.0
• 1% rule +5.8/10.0
• Schools +5.3/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Check out this cute 1 1/2 story home in Grygla with 3 bedrooms and 1 bath! Kitchen, dining, large living room, full bath and laundry complete the main floor with laminate flooring throughout. Upstairs you'll find 3 bedrooms with carpet and luxury vinyl plank flooring. Step out and grill on the huge wraparound deck. New gas forced-air furnace. Plenty of room to park your cars and store your stuff in the 25' x 30' detached garage; built in 1999. 2 garage door openers. Plenty to love with this one. Call your favorite Realtor to set up a showing today!

Key facts

• 6,969 sq ft lot
• 2 garage spots
• Built 1940

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $121 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($860 rent vs $80k).
• Recommended offer: $70k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#575 in MN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing B; Watch: health & safety D+, crime D, amenities F.
• Grygla Public School District (rural): math 70% / reading 50% proficiency, ranked #143 of 467 in MN (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 6 active listings in the ZIP; 9 units permitted in Marshall County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($552 loan paydown + $5k appreciation (6.3% local appreciation)).
• Marshall County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (6.3% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 6, 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 215 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $5k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $54k; 47% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $70,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 215 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. Crime grade is D 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?
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: 1.08% ✓
• Cap rate: 8.12%
• Cash-on-cash: 6.51%
• DSCR: 1.29
• GRM: 7.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

6.27% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.3%
• Equity multiple: 2.44×
• Total profit: $32,125
• Equity at exit: $51,618

10-year hold

• IRR: 20.3%
• Equity multiple: 4.94×
• Total profit: $88,145
• Equity at exit: $94,830

Cash invested: $22,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 46 Balanced
• State Minnesota: 46 Balanced · D+2
• County: — inherits STATE
• City: — inherits STATE

2024 reforms strengthened tenant protections; ramsey/hennepin courts paced moderate to slow.

Methodology + full state rankings →

ZIP-level market 56727

• Home prices YoY: 4.3%
• Active inventory: 6
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $860 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$105 /mo · $1,264/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$181
• Net cashflow: $121

Break-even live

Break-even rent $706

Max offer price $79,900

Occupancy floor 81%

Sensitivity live

Price	-10% $167	-5% $144	+0% $121	+5% $99	+10% $76
Rent	-10% $54	-5% $87	+0% $121	+5% $155	+10% $189
Rate	-1.0pp $162	-0.5pp $142	base $121	+0.5pp $101	+1.0pp $80

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-21
   days on market $79,900 Active 215 DOM
2. 2026-06-18
   days on market $79,900 Active 213 DOM
3. 2026-06-17
   days on market $79,900 Active 212 DOM
4. 2026-06-16
   days on market $79,900 Active 211 DOM
5. 2026-06-15
   days on market $79,900 Active 210 DOM
6. 2026-06-13
   days on market $79,900 Active 208 DOM
7. 2026-06-12
   days on market $79,900 Active 207 DOM
8. 2026-06-09
   days on market $79,900 Active 204 DOM
9. 2026-06-08
   days on market $79,900 Active 203 DOM
10. 2026-06-07
    days on market $79,900 Active 202 DOM
11. 2026-06-05
    days on market $79,900 Active 200 DOM
12. 2026-06-04
    days on market $79,900 Active 198 DOM
13. 2026-06-02
    days on market $79,900 Active 197 DOM
14. 2026-06-01
    days on market $79,900 Active 196 DOM
15. 2026-05-31
    days on market $79,900 Active 195 DOM
16. 2026-05-31
    days on market $79,900 Active 194 DOM
17. 2026-03-25
    price $79,900
18. 2025-11-17
    listed $85,000 Active
19. 2023-11-15
    soldstatus $54,500 Sold 555-char remark

    Show marketing remark (555 chars)

    Check out this cute 1 1/2 story home in Grygla with 3 bedrooms and 1 bath! Kitchen, dining, large living room, full bath and laundry complete the main floor with laminate flooring throughout. Upstairs you'll find 3 bedrooms with carpet and luxury vinyl plank flooring. Step out and grill on the huge wraparound deck. New gas forced-air furnace. Plenty of room to park your cars and store your stuff in the 25' x 30' detached garage; built in 1999. 2 garage door openers. Plenty to love with this one. Call your favorite Realtor to set up a showing today!

20. 2023-11-15
    soldstatus $54,500

    Show marketing remark (555 chars)

    Check out this cute 1 1/2 story home in Grygla with 3 bedrooms and 1 bath! Kitchen, dining, large living room, full bath and laundry complete the main floor with laminate flooring throughout. Upstairs you'll find 3 bedrooms with carpet and luxury vinyl plank flooring. Step out and grill on the huge wraparound deck. New gas forced-air furnace. Plenty of room to park your cars and store your stuff in the 25' x 30' detached garage; built in 1999. 2 garage door openers. Plenty to love with this one. Call your favorite Realtor to set up a showing today!

21. 2023-10-17
    status Pending 555-char remark

    Show marketing remark (555 chars)

    Check out this cute 1 1/2 story home in Grygla with 3 bedrooms and 1 bath! Kitchen, dining, large living room, full bath and laundry complete the main floor with laminate flooring throughout. Upstairs you'll find 3 bedrooms with carpet and luxury vinyl plank flooring. Step out and grill on the huge wraparound deck. New gas forced-air furnace. Plenty of room to park your cars and store your stuff in the 25' x 30' detached garage; built in 1999. 2 garage door openers. Plenty to love with this one. Call your favorite Realtor to set up a showing today!

22. 2023-10-07
    historical Contingent - Inspection 555-char remark

    Show marketing remark (555 chars)

    Check out this cute 1 1/2 story home in Grygla with 3 bedrooms and 1 bath! Kitchen, dining, large living room, full bath and laundry complete the main floor with laminate flooring throughout. Upstairs you'll find 3 bedrooms with carpet and luxury vinyl plank flooring. Step out and grill on the huge wraparound deck. New gas forced-air furnace. Plenty of room to park your cars and store your stuff in the 25' x 30' detached garage; built in 1999. 2 garage door openers. Plenty to love with this one. Call your favorite Realtor to set up a showing today!

23. 2023-09-05
    price $59,900 555-char remark

    Show marketing remark (555 chars)

    Check out this cute 1 1/2 story home in Grygla with 3 bedrooms and 1 bath! Kitchen, dining, large living room, full bath and laundry complete the main floor with laminate flooring throughout. Upstairs you'll find 3 bedrooms with carpet and luxury vinyl plank flooring. Step out and grill on the huge wraparound deck. New gas forced-air furnace. Plenty of room to park your cars and store your stuff in the 25' x 30' detached garage; built in 1999. 2 garage door openers. Plenty to love with this one. Call your favorite Realtor to set up a showing today!

24. 2023-08-02
    price $62,400 555-char remark

    Show marketing remark (555 chars)

    Check out this cute 1 1/2 story home in Grygla with 3 bedrooms and 1 bath! Kitchen, dining, large living room, full bath and laundry complete the main floor with laminate flooring throughout. Upstairs you'll find 3 bedrooms with carpet and luxury vinyl plank flooring. Step out and grill on the huge wraparound deck. New gas forced-air furnace. Plenty of room to park your cars and store your stuff in the 25' x 30' detached garage; built in 1999. 2 garage door openers. Plenty to love with this one. Call your favorite Realtor to set up a showing today!

25. 2023-06-23
    listed $64,900 Active 555-char remark

    Show marketing remark (555 chars)

    Check out this cute 1 1/2 story home in Grygla with 3 bedrooms and 1 bath! Kitchen, dining, large living room, full bath and laundry complete the main floor with laminate flooring throughout. Upstairs you'll find 3 bedrooms with carpet and luxury vinyl plank flooring. Step out and grill on the huge wraparound deck. New gas forced-air furnace. Plenty of room to park your cars and store your stuff in the 25' x 30' detached garage; built in 1999. 2 garage door openers. Plenty to love with this one. Call your favorite Realtor to set up a showing today!

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

Tax reassessment forecast MN · Partial reset (capped growth)

• Current annual tax: $1,264 · $105/mo
• Projected year-2 tax: $1,264 · $105/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 7/10 Severe
• 🌡 Heat 1/10 Low 7 d/yr ≥94°F today · 12 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,315
• − Mortgage interest: −$4,476
• − Property taxes: −$1,264
• − Insurance: −$400
• − Repairs & maintenance: −$825
• − Management: −$825
• − Depreciation: −$2,324
• Taxable income: $201
• Est. tax owed @ 24.0%: −$48
• After-tax cash flow: $1,409/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: Grygla Public School District
• NCES district ID: 2718920
• Math proficiency: 70% ▲ 5.00%
• Reading proficiency: 50% ▬ 0.00%
• Median HH income: $49,702
• Composite: 52.7/100
• National rank: #3321
• State rank: #143 of 467 in MN

Livability — Grygla

• Score: 64/100
• State rank: #575
• US rank: #13862

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Grygla, MN
• Population (ZIP): 879

Population outlook (Marshall County) Hauer SSP2

• Today (2025): 9,191 people
• By 2030: 9,078 · -1.2%
• By 2040: 8,815 · -4.1%
• By 2050: 8,464 · -7.9%
• By 2075: 8,156 · -11.3%
• By 2100: 7,171 · -22.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 8% Native American 2%
• Common ancestry: Portuguese 50% Scottish 3% Romanian 2%
• Foreign-born: 1%

Political lean MEDSL · Marshall

• 2024 margin: Solid R (+51.7) · D 23.4% · R 75.1% · Other 1.4%
• 2008→2024 swing: -52.2pp toward R · 2008: 0.6pp · 2024: -51.7pp
• All cycles: 2024: R+51.7 2020: R+47.5 2016: R+41.4 2012: R+12.1 2008: D+0.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.27%
• Current HPI: 152.5286
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.41%
• F500 in state: 34

Industry mix (Fortune 500 HQ in MN)

Industry	F500 HQs	Revenue
▸Healthcare	2	$407B
▸Retail	2	$150B
▸Consumer Goods	2	$32B
▸Industrial Machinery	2	$6B
▸Agriculture	1	$40B
▸Healthcare / Medical Devices	1	$32B

Price history

+23.1% since first listed

9 events — show timeline

• 2026-03-25 Price Changed $79,900 NORTHSTARMLS as Distributed by MLS Grid
• 2025-11-17 Listed $85,000 NORTHSTARMLS as Distributed by MLS Grid
• 2023-11-15 Sold (Public Records) $54,500 Public Records
• 2023-11-15 Sold (MLS) $54,500 NORTHSTARMLS as Distributed by MLS Grid
• 2023-10-17 Pending — NORTHSTARMLS as Distributed by MLS Grid
• 2023-10-07 Contingent — NORTHSTARMLS as Distributed by MLS Grid
• 2023-09-05 Price Changed $59,900 NORTHSTARMLS as Distributed by MLS Grid
• 2023-08-02 Price Changed $62,400 NORTHSTARMLS as Distributed by MLS Grid
• 2023-06-23 Listed $64,900 NORTHSTARMLS as Distributed by MLS Grid

Property tax history

+5.9%/yr

Latest (2025): $1,264 · +122.5% YoY. Source: county tax records.