3500 S Beryl Ave · Tucson Estates, AZ
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 6/10 · Moderate
- Est. fire insurance / yr
- $610 – $1,132
Heat risk 8/10 · Major
- Hot days now (above 107°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 B- 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 +25.9/30.0
- ARV discount +15.0/15.0
- DSCR +8.7/10.0
- 1% rule +6.9/10.0
- Livability +3.1/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.6/10.0
- Appreciation +0.0/10.0
$150,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Priced to sell. Enjoy owning this lovely 2-bedroom home featuring carport parking and low-care desert landscape! Check out the inside to find an inviting living room that flows seamlessly into the dining area. Vaulted ceilings add to the airy feel, complemented by a blend of tile & carpet flooring, a neutral palette, and lots of natural light. In the kitchen, you will have matching appliances, a mosaic tile backsplash, plenty of cabinet space, and solid surface counters. The primary bedroom offers a sitting room, a walk-in closet, and a private bathroom for added comfort. Fantastic Arizona room adds extra space, perfect for entertaining guests, arts and crafts or relaxing year-round.
Key facts
- Desert landscape
- Dining area
- Carport parking
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath manufactured listed at $150k.
Deal economics
- At list price, monthly cash flow is $368 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $150k).
- Recommended offer: $141k (6.0% below list) — sets the bar for market timing.
- Cap rate 9.2% vs local median 4.4% in Tucson Estates — 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 62/100 on livability (#137 in AZ) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D, schools F, amenities F.
- Tucson Unified District (4403) (urban): math 14% / reading 23% proficiency, ranked #190 of 249 in AZ (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Market conditions: 83 active listings in the ZIP; 5,268 units permitted in Pima County in 2024 (996 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Pima County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- It's been on market 70 days — a 6% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $32k; list at $150k implies a 369% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 70 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- 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?
- 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
- 1.19% ✓
- Cap rate
- 9.24%
- Cash-on-cash
- 10.52%
- DSCR
- 1.47
- GRM
- 7.0
CMA / ARV
- ARV (median comp)
- $236,530
- List price
- $150,000
- Delta
- -36.58%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 3524 S Beryl Ave | 0.03mi | 2/2.0 | 1,464 (+4%) | 3mo | $255,000 | $174 | 89 |
| 3418 S Cadmium Loop | 0.08mi | 2/2.0 | 1,364 (-3%) | 12mo | $239,000 | $175 | 82 |
| 3335 S Feldspar Ave | 0.15mi | 3/2.0 (+1) | 1,477 (+5%) | 4mo | $285,000 | $193 | 76 |
| 7496 W Bopp Rd | 0.30mi | 2/2.0 | 1,440 (+3%) | 7mo | $128,000 | $89 | 76 |
| 3313 S Spectrum Ave | 0.19mi | 3/2.0 (+1) | 1,344 (-4%) | 10mo | $323,000 | $240 | 70 |
| 3478 S Goldleaf Loop | 0.10mi | 3/2.0 (+1) | 1,508 (+7%) | 11mo | $222,000 | $147 | 69 |
| 7707 W Copper Nugget Dr | 0.17mi | 2/2.0 | 1,568 (+12%) | 7mo | $260,000 | $166 | 67 |
| 3650 S White Gold Ave | 0.17mi | 3/2.0 (+1) | 1,568 (+12%) | 5mo | $192,700 | $123 | 64 |
| 7751 W Gypsum St | 0.18mi | 2/2.0 | 1,232 (-12%) | 11mo | $207,500 | $168 | 62 |
| 7730 W Edgestone St | 0.22mi | 3/2.0 (+1) | 1,568 (+12%) | 4mo | $225,000 | $143 | 62 |
| 7771 W Touchstone St | 0.22mi | 2/2.0 | 1,248 (-11%) | 12mo | $150,000 | $120 | 61 |
| 4175 S Desert Spur Ln | 0.60mi | 2/2.0 | 1,300 (-7%) | 8mo | $115,000 | $88 | 53 |
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
- IRR
- -0.5%
- Equity multiple
- 0.98×
- Total profit
- $-819
- Equity at exit
- $22,365
- IRR
- 9.2%
- Equity multiple
- 1.71×
- Total profit
- $29,624
- Equity at exit
- $12,969
Cash invested: $42,000 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Arizona
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 85735
- Home prices YoY
- -16.4%
- Active inventory
- 83
- Price-to-rent
- 7.0×
Monthly cashflow live
- Estimated rent
- $1,792 medium interval (Pro) →
- Mortgage (P&I)
- −$787
- Tax from tax record
- −$101 /mo · $1,217/yr
- Insurance
- −$62
- HOA
- −$97
- Vacancy / Maint / Mgmt
- −$376
- Net cashflow
- $368
Break-even live
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
- $37,500
- Closing costs
- $4,500
- 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.
HOA detail
- Monthly dues
- $97 · $1,164/yr
Listing history 22 events
-
2026-06-18days on market $150,000 Active 70 DOM
-
2026-06-17days on market $150,000 Active 69 DOM
-
2026-06-16days on market $150,000 Active 68 DOM
-
2026-06-15days on market $150,000 Active 67 DOM
-
2026-06-13days on market $150,000 Active 65 DOM
-
2026-06-10days on market $150,000 Active 62 DOM
-
2026-06-09days on market $150,000 Active 61 DOM
-
2026-06-08days on market $150,000 Active 60 DOM
-
2026-06-07pricedays on market $150,000 Active 59 DOM
-
2026-06-05days on market $160,000 Active 56 DOM
-
2026-06-03days on market $160,000 Active 55 DOM
-
2026-06-02days on market $160,000 Active 54 DOM
-
2026-06-01days on market $160,000 Active 53 DOM
-
2026-05-31days on market $160,000 Active 52 DOM
-
2026-04-24status Active 696-char remark
Show marketing remark (696 chars)
Priced to sell. Enjoy owning this lovely 2-bedroom home featuring carport parking and low-care desert landscape! Check out the inside to find an inviting living room that flows seamlessly into the dining area. Vaulted ceilings add to the airy feel, complemented by a blend of tile & carpet flooring, a neutral palette, and lots of natural light. In the kitchen, you will have matching appliances, a mosaic tile backsplash, plenty of cabinet space, and solid surface counters. The primary bedroom offers a sitting room, a walk-in closet, and a private bathroom for added comfort. Fantastic Arizona room adds extra space, perfect for entertaining guests, arts and crafts or relaxing year-round.
-
2026-04-14historical Active Contingent 696-char remark
Show marketing remark (696 chars)
Priced to sell. Enjoy owning this lovely 2-bedroom home featuring carport parking and low-care desert landscape! Check out the inside to find an inviting living room that flows seamlessly into the dining area. Vaulted ceilings add to the airy feel, complemented by a blend of tile & carpet flooring, a neutral palette, and lots of natural light. In the kitchen, you will have matching appliances, a mosaic tile backsplash, plenty of cabinet space, and solid surface counters. The primary bedroom offers a sitting room, a walk-in closet, and a private bathroom for added comfort. Fantastic Arizona room adds extra space, perfect for entertaining guests, arts and crafts or relaxing year-round.
-
2026-04-09$160,000 Active 696-char remark
Show marketing remark (696 chars)
Priced to sell. Enjoy owning this lovely 2-bedroom home featuring carport parking and low-care desert landscape! Check out the inside to find an inviting living room that flows seamlessly into the dining area. Vaulted ceilings add to the airy feel, complemented by a blend of tile & carpet flooring, a neutral palette, and lots of natural light. In the kitchen, you will have matching appliances, a mosaic tile backsplash, plenty of cabinet space, and solid surface counters. The primary bedroom offers a sitting room, a walk-in closet, and a private bathroom for added comfort. Fantastic Arizona room adds extra space, perfect for entertaining guests, arts and crafts or relaxing year-round.
-
2026-03-24historical
-
2026-02-18price $240,000
-
2026-01-29price $245,000
-
2025-12-29$250,000 Active
-
1999-02-24soldstatus $31,950
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast AZ · Resets to sale price
- Current annual tax
- $1,217 · $101/mo
- Projected year-2 tax
- $1,217 · $101/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 6/10 Major
- Heat 8/10 Severe 7 d/yr ≥107°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
- $21,506
- − Mortgage interest
- −$8,402
- − Property taxes
- −$1,217
- − Insurance
- −$750
- − Repairs & maintenance
- −$1,720
- − Management
- −$1,720
- − HOA
- −$1,164
- − Depreciation
- −$4,364
- Taxable income
- $2,168
- Est. tax owed @ 24.0%
- −$520
- After-tax cash flow
- $3,899/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
- Tucson Unified District (4403)
- NCES district ID
- 0408800
- Math proficiency
- 14% ▼ -17.00%
- Reading proficiency
- 23% ▼ -11.00%
- Median HH income
- $40,962
- Composite
- 15.78/100
- National rank
- #9270
- State rank
- #190 of 249 in AZ
Livability — Tucson Estates
- Score
- 62/100
- State rank
- #137
- US rank
- #16650
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Tucson Estates, AZ
- Population (ZIP)
- 10,893
Population outlook (Pima County) Hauer SSP2
- Today (2025)
- 1,066,056 people
- By 2030
- 1,086,684 · +1.9%
- By 2040
- 1,117,160 · +4.8%
- By 2050
- 1,149,778 · +7.9%
- By 2075
- 1,271,480 · +19.3%
- By 2100
- 1,321,160 · +23.9%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.59)
- Race & ethnicity
- Hispanic / Latino 50% White 41% Two or more races 19% Native American 6%
- Hispanic origin (detail)
- Mexican 47%
- Common ancestry
- Lithuanian 2% Slovak 1% Romanian 1%
- Foreign-born
- 9% · Canada
- Languages at home
- 74% English-only · Spanish 25%
Political lean MEDSL · Pima
- 2024 margin
- D (+15.2) · D 57.0% · R 41.8% · Other 1.2%
- 2008→2024 swing
- +9.1pp toward D · 2008: 6.1pp · 2024: 15.2pp
- All cycles
- 2024: D+15.2 2020: D+18.7 2016: D+13.5 2012: D+5.8 2008: D+6.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -59.03%
- Current HPI
- 301.1413
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 4.54%
- F500 in state
- 20
Industry mix (Fortune 500 HQ in AZ)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Technology | 2 | $13B |
|
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| Mining / Metals | 1 | $23B |
|
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| Environmental Services | 1 | $16B |
|
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| Metals / Steel | 1 | $14B |
|
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| Technology Distribution | 1 | $9B |
|
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| Homebuilding | 1 | $8B |
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Price history
+400.8% since first listed8 events — show timeline
- 2026-04-24 Relisted — MLSSAZ
- 2026-04-14 Contingent — MLSSAZ
- 2026-04-09 Listed $160,000 MLSSAZ
- 2026-03-24 Listing Removed — MLSSAZ
- 2026-02-18 Price Changed $240,000 MLSSAZ
- 2026-01-29 Price Changed $245,000 MLSSAZ
- 2025-12-29 Listed $250,000 MLSSAZ
- 1999-02-24 Sold (Public Records) $31,950 Public Records
Property tax history
+0.4%/yrLatest (2025): $1,217 · -0.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…