644 N National Ave · Superior, NE 68978

$77,000

3 bd · 1.0 ba · 1,064 sqft · SingleFamily public records · 37 Days on market

Built 1900 6,750 sqft lot $72/sqft · 28% above area Est $60k · 28% over

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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 +29.7/30.0
• DSCR +10.0/10.0
• Appreciation +8.2/10.0
• 1% rule +7.7/10.0
• Livability +3.8/5.0
• Schools +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Lets take a look inside this home! On the main level you will find a spacious living/dining room combination with original wood floors, one bedroom leading into a full bathroom and a kitchen. The kitchen has great storage and has a porch/laundry area conveniently located directly off it. Upstairs you will find two additional bedrooms. The basement offers great storage and utility area. Don't forget about the one car garage located in the back of the home!

Key facts

• Mature fruit trees
• 6,750 sq ft lot
• Garage

Tags

• FULLY FENCED BACKYARD
• MATURE FRUIT TREES

Property features AI

Exterior

• Parking: Detached covered garage (1 vehicle)
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Two-story home; Built in 1900; Not new / not a model
• Construction: Block foundation
• Exterior features: Front porch; Full yard fencing; Lot approximately 50 x 135 (about 0.155 acre)

Interior

• Bedrooms: Primary bedroom on the main floor; Additional bedrooms on the 2nd floor
• Bathrooms: One full bathroom on the main level; Primary bathroom with 3/4 bath configuration
• Heating & cooling: Natural gas forced-air heating; Central air conditioning
• Interior features: Gas log fireplace (1 fireplace); Unfinished basement (approx. 150 sq ft)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $77k.

Deal economics

• At list price, monthly cash flow is $281 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($979 rent vs $77k).
• Recommended offer: $75k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 75/100 on livability (#106 in NE, #4,283 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, amenities F, commute F.
• Superior Public Schools (rural): math 40% / reading 43% proficiency, ranked #207 of 245 in NE (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Superior Elementary School (math 27% / reading 42%, grade F, #390 of 502 statewide, top 80%, 196 students, 48% FRL); Superior Middle School (math 27% / reading 32%, grade F, #113 of 128 statewide, top 89%, 84 students, 52% FRL); Superior Sr High School (math 30% / reading 50%, grade F, #182 of 261 statewide, top 70%, 130 students, 52% FRL) — zoned schools average 51% FRL vs 32% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 17 active listings in the ZIP; 8 units permitted in Nuckolls County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($532 loan paydown + $5k appreciation (6.3% local appreciation)).
• Nuckolls County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• 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 7, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($75k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $50k; list at $77k implies a 54% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $74,690 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 1.27% ✓
• Cap rate: 10.67%
• Cash-on-cash: 15.65%
• DSCR: 1.70
• GRM: 6.6

CMA / ARV

• ARV (median comp): $60,380
• List price: $77,000
• Delta: 27.52%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
522 N Dakota St	0.30mi	2/1.0 (-1)	1,032 (-3%)	9mo	$25,000	$24	69
342 W 6th St	0.13mi	2/1.0 (-1)	1,074 (+1%)	22mo	$65,000	$61	68
1380 Idaho St	0.61mi	3/2.0	1,078 (+1%)	1mo	$68,000	$63	64
915 N Commercial Ave	0.22mi	2/1.0 (-1)	1,128 (+6%)	23mo	$58,000	$51	56
235 W 6th St	0.09mi	2/1.0 (-1)	936 (-12%)	18mo	$29,000	$31	56
1436 N Commercial Ave	0.58mi	2/1.0 (-1)	936 (-12%)	2mo	$49,500	$53	46
1140 N Central Ave	0.37mi	2/1.0 (-1)	916 (-14%)	22mo	$13,000	$14	37
705 E 6th St	0.49mi	3/1.5	1,222 (+15%)	17mo	$105,000	$86	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

6.33% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 29.0%
• Equity multiple: 2.93×
• Total profit: $41,647
• Equity at exit: $50,025

10-year hold

• IRR: 26.9%
• Equity multiple: 6.01×
• Total profit: $108,092
• Equity at exit: $92,150

Cash invested: $21,560 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Nebraska: 83 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempted; moderate court pace.

Methodology + full state rankings →

ZIP-level market 68978

• Home prices YoY: 4.3%
• Active inventory: 17
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $979 medium
• Mortgage (P&I): −$404
• Tax from tax record: −$56 /mo · $674/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$206
• Net cashflow: $281

Break-even live

Break-even rent $623

Max offer price $77,000

Occupancy floor 66%

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: $19,250
• Closing costs: $2,310
• Reserves months: —
• Total cash needed: —

Listing history 16 events

1. 2026-06-12
   statusdays on market $77,000 Pending 37 DOM
2. 2026-06-09
   days on market $77,000 Active 34 DOM
3. 2026-06-08
   days on market $77,000 Active 33 DOM
4. 2026-06-07
   days on market $77,000 Active 32 DOM
5. 2026-06-07
   days on market $77,000 Active 31 DOM
6. 2026-06-04
   days on market $77,000 Active 28 DOM
7. 2026-06-02
   days on market $77,000 Active 27 DOM
8. 2026-06-01
   days on market $77,000 Active 26 DOM
9. 2026-05-31
   days on market $77,000 Active 25 DOM
10. 2026-05-06
    listed $77,000 New 791-char remark
11. 2023-07-31
    soldstatus $49,900 Sold 459-char remark

    Show marketing remark (459 chars)

    Lets take a look inside this home! On the main level you will find a spacious living/dining room combination with original wood floors, one bedroom leading into a full bathroom and a kitchen. The kitchen has great storage and has a porch/laundry area conveniently located directly off it. Upstairs you will find two additional bedrooms. The basement offers great storage and utility area. Don't forget about the one car garage located in the back of the home!

12. 2023-07-31
    soldstatus $49,900

    Show marketing remark (459 chars)

    Lets take a look inside this home! On the main level you will find a spacious living/dining room combination with original wood floors, one bedroom leading into a full bathroom and a kitchen. The kitchen has great storage and has a porch/laundry area conveniently located directly off it. Upstairs you will find two additional bedrooms. The basement offers great storage and utility area. Don't forget about the one car garage located in the back of the home!

13. 2023-07-11
    status Pending 459-char remark

    Show marketing remark (459 chars)

    Lets take a look inside this home! On the main level you will find a spacious living/dining room combination with original wood floors, one bedroom leading into a full bathroom and a kitchen. The kitchen has great storage and has a porch/laundry area conveniently located directly off it. Upstairs you will find two additional bedrooms. The basement offers great storage and utility area. Don't forget about the one car garage located in the back of the home!

14. 2023-07-06
    listed $49,900 New 459-char remark

    Show marketing remark (459 chars)

    Lets take a look inside this home! On the main level you will find a spacious living/dining room combination with original wood floors, one bedroom leading into a full bathroom and a kitchen. The kitchen has great storage and has a porch/laundry area conveniently located directly off it. Upstairs you will find two additional bedrooms. The basement offers great storage and utility area. Don't forget about the one car garage located in the back of the home!

15. 2020-10-16
    soldstatus $35,000
16. 2011-04-20
    soldstatus $30,000

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

Tax reassessment forecast NE · Resets to sale price

• Current annual tax: $674 · $56/mo
• Projected year-2 tax: $1,332 · $111/mo
• Expected delta: +$658/yr (+$55/mo · 97.5%)

ⓘ 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 5/10 Major
• 🌡 Heat 4/10 Moderate 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,744
• − Mortgage interest: −$4,313
• − Property taxes: −$674
• − Insurance: −$385
• − Repairs & maintenance: −$940
• − Management: −$940
• − Depreciation: −$2,240
• Taxable income: $2,253
• Est. tax owed @ 24.0%: −$541
• After-tax cash flow: $2,832/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: Superior Public Schools
• NCES district ID: 3100029
• Math proficiency: 40% ▼ -2.00%
• Reading proficiency: 43% ▼ -2.00%
• Median HH income: $34,509
• Composite: 36.62/100
• National rank: #9257
• State rank: #207 of 245 in NE

Livability — Superior

• Score: 75/100
• State rank: #106
• US rank: #4283

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Superior, NE
• Population (ZIP): 2,382

Population outlook (Nuckolls County) Hauer SSP2

• Today (2025): 3,977 people
• By 2030: 3,854 · -3.1%
• By 2040: 3,601 · -9.5%
• By 2050: 3,341 · -16.0%
• By 2075: 3,101 · -22.0%
• By 2100: 2,582 · -35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 3%
• Common ancestry: Lithuanian 2% Danish 1% Hungarian 1%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Nuckolls

• 2024 margin: Solid R (+63.6) · D 17.7% · R 81.3% · Other 1.0%
• 2008→2024 swing: -25.8pp toward R · 2008: -37.9pp · 2024: -63.6pp
• All cycles: 2024: R+63.6 2020: R+62.8 2016: R+63.2 2012: R+45.9 2008: R+37.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.33%
• Current HPI: 154.5161
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 0.68%
• F500 in state: 2

Industry mix (Fortune 500 HQ in NE)

Industry	F500 HQs	Revenue
▸Conglomerate	1	$371B

Price history

+156.7% since first listed

8 events — show timeline

• 2026-06-12 Pending — GPRMLS
• 2026-05-06 Listed $77,000 GPRMLS
• 2023-07-31 Sold (Public Records) $49,900 Public Records
• 2023-07-31 Sold (MLS) $49,900 GPRMLS
• 2023-07-11 Pending — GPRMLS
• 2023-07-06 Listed $49,900 GPRMLS
• 2020-10-16 Sold (Public Records) $35,000 Public Records
• 2011-04-20 Sold (Public Records) $30,000 Public Records

Property tax history

+1.2%/yr

Latest (2025): $674 · -2.4% YoY. Source: county tax records.