40090 Corte Refugio · Indio, CA
Flood risk 1/10 · Minimal
- FEMA flood zone
- D
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $544 – $1,084
Fire risk 6/10 · Moderate
- Est. fire insurance / yr
- $659 – $1,223
Heat risk 10/10 · Severe
- Hot days now (above 114°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
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).
- ARV discount +11.5/15.0
- Cash flow +7.9/30.0
- Rent growth +5.0/5.0
- 1% rule +3.8/10.0
- Schools +3.8/10.0
- Livability +2.7/5.0
- Condition / age +2.5/5.0
- DSCR +2.0/10.0
- Appreciation +0.0/10.0
$398,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Move-in ready 2-bedroom, 2-bath home located in the highly desirable Sun City Shadow Hills, a gated 55+ community offering an exceptional resort-style lifestyle. Situated on a quiet cul-de-sac, this charming home features great curb appeal, low-maintenance desert landscaping, and an attached 2-car garage. The open and spacious interior showcases a neutral color palette, plantation shutters, recessed lighting, and the furniture is included, making this an easy turnkey opportunity. The living room, dining area, and kitchen flow seamlessly together—ideal for entertaining or everyday living. Both bedrooms are generously sized, with the primary suite offering a private ensuite bath with walk-in shower and a large walk-in closet with built-in shelving. A full hall bath and laundry room with additional storage complete the functional floor plan. Step outside to a private backyard with drought-tolerant landscaping and rockscape, and relax under the covered patio. Residents enjoy world-class amenities including golf, pools and spas, tennis and pickleball courts, bocce ball, fitness center, billiards room, library, card room, banquet facilities, and a full calendar of social activities. Experience easy desert living—come see it today!
Key facts
- Gated community
- Cul-de-sac street
- Walk-in shower
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath single-family listed at $398k.
Deal economics
- At list price, monthly cash flow is $-416 ($-5k/yr) — negative.
- To cash-flow at today's rent, offer at most $325k (18.5% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $349k (12.4% below list).
- Recommended offer: $325k (18.5% below list) — sets the bar for cash-flow.
Location & tenants
- Location reads 53/100 on livability (#927 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing B+; Watch: employment D, schools F, crime F.
- Desert Sands Unified (suburban): math 31% / reading 56% proficiency, ranked #199 of 517 in CA (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: Rents rising fast (+11.6%/yr); 441 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 61% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 9,195 units permitted in Riverside County in 2024 (1,512 in 5+ unit buildings).
- This rent runs 43% of the median local income ($97k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
- Riverside County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 116 days — a 9% lower offer ($362k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts since 10y 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 $230k; list at $398k implies a 73% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 116 days. Have you received any prior offers? Is the seller open to a 18% 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 F 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?
- 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?
- 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
- 0.88% ✗
- Cap rate
- 5.04%
- Cash-on-cash
- -4.48%
- DSCR
- 0.80
- GRM
- 9.5
CMA / ARV
- ARV (median comp)
- $436,425
- List price
- $398,000
- Delta
- -8.80%
- 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 |
|---|---|---|---|---|---|---|---|
| 81896 Corte Tellez | 0.28mi | 2/2.0 | 1,295 (0%) | 2mo | $399,900 | $309 | 85 |
| 81915 Corte Valdemoro | 0.09mi | 2/2.0 | 1,432 (+11%) | 3mo | $440,000 | $307 | 75 |
| 81916 Avenida Del Toro | 0.36mi | 2/2.0 | 1,257 (-3%) | 4mo | $358,000 | $285 | 75 |
| 81608 Avenida Viesca | 0.54mi | 2/2.0 | 1,321 (+2%) | 1mo | $470,000 | $356 | 71 |
| 39228 Calle Negrete | 0.57mi | 2/2.0 | 1,321 (+2%) | 3mo | $370,000 | $280 | 68 |
| 81406 Avenida Altamira | 0.53mi | 2/2.0 | 1,432 (+11%) | 2mo | $369,500 | $258 | 56 |
| 41138 Calle Pampas | 0.66mi | 2/2.0 | 1,432 (+11%) | 1mo | $505,000 | $353 | 51 |
| 81596 Avenida Bolero | 0.63mi | 2/2.0 | 1,432 (+11%) | 2mo | $382,000 | $267 | 51 |
| 41073 Calle Pueblo | 0.54mi | 2/2.0 | 1,488 (+15%) | 4mo | $429,000 | $288 | 47 |
| 41530 Calle Pueblo | 0.75mi | 2/2.0 | 1,450 (+12%) | 0mo | $423,000 | $292 | 45 |
| 81710 Avenida Parito | 0.63mi | 2/2.0 | 1,488 (+15%) | 1mo | $410,000 | $276 | 45 |
| 81595 Avenida Alturas | 0.75mi | 2/2.0 | 1,488 (+15%) | 2mo | $390,000 | $262 | 38 |
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 · 8.0% rent growth · sell at horizon
- IRR
- -17.5%
- Equity multiple
- 0.35×
- Total profit
- $-72,226
- Equity at exit
- $59,343
- IRR
- -1.2%
- Equity multiple
- 0.89×
- Total profit
- $-11,828
- Equity at exit
- $34,412
Cash invested: $111,440 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 18 Strongly Tenant-Friendly
- State California
- 18 Strongly Tenant-Friendly · D+13
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 92203
- Home prices YoY
- -25.0%
- Rents YoY
- 11.6%
- Active inventory
- 441
- Price-to-rent
- 9.5×
Monthly cashflow live
- Estimated rent
- $3,488 high interval (Pro) →
- Mortgage (P&I)
- −$2,087
- Tax from tax record
- −$549 /mo · $6,589/yr
- Insurance
- −$166
- HOA
- −$369
- Vacancy / Maint / Mgmt
- −$732
- Net cashflow
- $-416
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
- $99,500
- Closing costs
- $11,940
- 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.
Rent comps 33 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 81968 Avenida Dulce Indio, CA | 2.0 | 2.0 | 1257 | $4,500 | $3.58 | 44d | 1 | 0.07mi |
| 81968 Avenida Dulce Indio, CA | 2.0 | 2.0 | 1257 | $5,000 | $3.98 | 5d | 1 | 0.07mi |
| 81968 Avenida Bienvenida Indio, CA | 2.0 | 2.0 | 1488 | $2,750 | $1.85 | 44d | 1 | 0.24mi |
| 81919 Avenida Bienvenida Indio, CA | 2.0 | 1.5 | 1488 | $2,500 | $1.68 | 44d | 1 | 0.28mi |
| 40751 Calle Los Osos Indio, CA | 2.0 | 2.0 | 1257 | $2,500 | $1.99 | 44d | 1 | 0.34mi |
| 40759 Calle Guapo Indio, CA | 2.0 | 2.0 | 1488 | $4,500 | $3.02 | 44d | 1 | 0.35mi |
| 40799 Calle Los Osos Indio, CA | 2.0 | 2.0 | 1257 | $3,900 | $3.10 | 44d | 1 | 0.37mi |
| 81916 Avenida del Toro Indio, CA | 2.0 | 2.0 | 1257 | $2,600 | $2.07 | 44d | 1 | 0.38mi |
| 81672 Avenida Viesca Indio, CA | 3.0 | 2.0 | 1756 | $4,500 | $2.56 | 44d | 1 | 0.47mi |
| 81566 Avenida Sombra Indio, CA | 2.0 | 2.0 | 1763 | $2,245 | $1.27 | 5d | 1 | 0.49mi |
| 81579 Avenida Contento Indio, CA | 2.0 | 2.0 | 1257 | $4,600 | $3.66 | 44d | 1 | 0.64mi |
| 81720 Avenida Parito Indio, CA | 2.0 | 2.0 | 1257 | $2,600 | $2.07 | 44d | 1 | 0.65mi |
| 81710 Avenida Parito Indio, CA | 2.0 | 2.0 | 1488 | $2,700 | $1.81 | 15d | 1 | 0.65mi |
| 41085 Calle Pampas Indio, CA | 2.0 | 2.0 | 1488 | $2,700 | $1.81 | 44d | 1 | 0.67mi |
| 81340 Corte Compras Indio, CA | 2.0 | 2.0 | 1321 | $3,000 | $2.27 | 44d | 1 | 0.71mi |
| 81363 Corte Compras Indio, CA | 2.0 | 2.0 | 1512 | $4,300 | $2.84 | 44d | 1 | 0.73mi |
| 81673 Avenida Alturas Indio, CA | 2.0 | 2.0 | 1432 | $2,700 | $1.89 | 44d | 1 | 0.74mi |
| 39310 Calle Popoca Indio, CA | 2.0 | 2.0 | 1321 | $2,950 | $2.23 | 24d | 1 | 0.75mi |
| 40087 Corte Azul Indio, CA | 2.0 | 2.0 | 1763 | $2,800 | $1.59 | 17d | 1 | 0.75mi |
| 39205 Calle Popoca Indio, CA | 2.0 | 2.0 | 1660 | $5,800 | $3.49 | 44d | 1 | 0.77mi |
| 81656 Avenida de Baile Indio, CA | 2.0 | 2.0 | 1488 | $4,300 | $2.89 | 44d | 1 | 0.81mi |
| 82686 Castleton Dr Indio, CA | 3.0 | 2.0 | 1841 | $2,700 | $1.47 | 2d | 1 | 0.82mi |
| 81220 Corte Tolon Indio, CA | 2.0 | 2.0 | 1723 | $4,500 | $2.61 | 24d | 1 | 0.84mi |
| 81682 Avenida Celaya Indio, CA | 2.0 | 2.0 | 1099 | $2,800 | $2.55 | 24d | 1 | 0.85mi |
| 81098 Avenida Vidrio Indio, CA | 2.0 | 2.0 | 1295 | $4,000 | $3.09 | 44d | 1 | 0.86mi |
| 81543 Avenida Celaya Indio, CA | 3.0 | 3.0 | 1700 | $3,500 | $2.06 | 44d | 1 | 0.93mi |
| 81211 Camino Lampazos Indio, CA | 3.0 | 2.0 | 1756 | $3,375 | $1.92 | 17d | 1 | 1.04mi |
| 38757 Camino Aguacero Indio, CA | 2.0 | 2.0 | 1321 | $3,400 | $2.57 | 18d | 1 | 1.14mi |
| 83125 Broadmoor Dr Indio, CA | 3.0 | 2.0 | 1630 | $3,150 | $1.93 | 44d | 1 | 1.21mi |
| 41444 Via Arleta Indio, CA | 2.0 | 2.0 | 1374 | $2,500 | $1.82 | 24d | 1 | 1.38mi |
| 41544 Via Arleta Indio, CA | 2.0 | 2.0 | 1374 | $2,500 | $1.82 | 24d | 1 | 1.41mi |
| 41562 Via Arleta Indio, CA | 2.0 | 2.0 | 1276 | $2,800 | $2.19 | 24d | 1 | 1.41mi |
| 80592 Avenida Santa Carmen Indio, CA | 2.0 | 2.5 | 1753 | $2,700 | $1.54 | 44d | 1 | 1.46mi |
HOA detail
- Monthly dues
- $369 · $4,428/yr
- Likely covers
- landscapingpoolgymsecurity
Listing history 11 events
-
2026-06-02days on market $398,000 Active 116 DOM
-
2026-06-01days on market $398,000 Active 115 DOM
-
2026-05-31days on market $398,000 Active 114 DOM
-
2026-02-06$398,000 Active 1256-char remark
Show marketing remark (1256 chars)
Move-in ready 2-bedroom, 2-bath home located in the highly desirable Sun City Shadow Hills, a gated 55+ community offering an exceptional resort-style lifestyle. Situated on a quiet cul-de-sac, this charming home features great curb appeal, low-maintenance desert landscaping, and an attached 2-car garage. The open and spacious interior showcases a neutral color palette, plantation shutters, recessed lighting, and the furniture is included, making this an easy turnkey opportunity. The living room, dining area, and kitchen flow seamlessly together—ideal for entertaining or everyday living. Both bedrooms are generously sized, with the primary suite offering a private ensuite bath with walk-in shower and a large walk-in closet with built-in shelving. A full hall bath and laundry room with additional storage complete the functional floor plan. Step outside to a private backyard with drought-tolerant landscaping and rockscape, and relax under the covered patio. Residents enjoy world-class amenities including golf, pools and spas, tennis and pickleball courts, bocce ball, fitness center, billiards room, library, card room, banquet facilities, and a full calendar of social activities. Experience easy desert living—come see it today!
-
2016-05-17soldstatus $229,999 Sold 925-char remark
Show marketing remark (925 chars)
Priced to SELL! Immaculate upgraded CORDOBA model, gently used part time since 2010 by snowbird owners. Quiet cul-de-sac location with only 8 homes on street. Home has TILE everywhere but sleeping areas and plantation SHUTTERS throughout and overhead FANS installed. Garden has Mature palm trees and gorgeous tropical landscaping, extended patio and a peek a boo view of mountains. There is a security screen door, that opens up to entry hall. There are two bedrooms and two baths. Master suite is very spacious and master bath has double vanities, walk-in shower and a CUSTOM walk-in closet. The second bedroom also has a built-out closet. The kitchen is open, has neutral easy care corian counters, and a GE profile refrigerator. Laundry room with cabinets and a soaking sink. The back yard that can be enjoyed from the great room, dining room and master bedroom is beautiful. Palm trees, lots of color, and extended patio.
-
2016-05-17soldstatus $230,000
Show marketing remark (925 chars)
Priced to SELL! Immaculate upgraded CORDOBA model, gently used part time since 2010 by snowbird owners. Quiet cul-de-sac location with only 8 homes on street. Home has TILE everywhere but sleeping areas and plantation SHUTTERS throughout and overhead FANS installed. Garden has Mature palm trees and gorgeous tropical landscaping, extended patio and a peek a boo view of mountains. There is a security screen door, that opens up to entry hall. There are two bedrooms and two baths. Master suite is very spacious and master bath has double vanities, walk-in shower and a CUSTOM walk-in closet. The second bedroom also has a built-out closet. The kitchen is open, has neutral easy care corian counters, and a GE profile refrigerator. Laundry room with cabinets and a soaking sink. The back yard that can be enjoyed from the great room, dining room and master bedroom is beautiful. Palm trees, lots of color, and extended patio.
-
2016-04-30status Pending 925-char remark
Show marketing remark (925 chars)
Priced to SELL! Immaculate upgraded CORDOBA model, gently used part time since 2010 by snowbird owners. Quiet cul-de-sac location with only 8 homes on street. Home has TILE everywhere but sleeping areas and plantation SHUTTERS throughout and overhead FANS installed. Garden has Mature palm trees and gorgeous tropical landscaping, extended patio and a peek a boo view of mountains. There is a security screen door, that opens up to entry hall. There are two bedrooms and two baths. Master suite is very spacious and master bath has double vanities, walk-in shower and a CUSTOM walk-in closet. The second bedroom also has a built-out closet. The kitchen is open, has neutral easy care corian counters, and a GE profile refrigerator. Laundry room with cabinets and a soaking sink. The back yard that can be enjoyed from the great room, dining room and master bedroom is beautiful. Palm trees, lots of color, and extended patio.
-
2016-04-08historical Contingent 925-char remark
Show marketing remark (925 chars)
Priced to SELL! Immaculate upgraded CORDOBA model, gently used part time since 2010 by snowbird owners. Quiet cul-de-sac location with only 8 homes on street. Home has TILE everywhere but sleeping areas and plantation SHUTTERS throughout and overhead FANS installed. Garden has Mature palm trees and gorgeous tropical landscaping, extended patio and a peek a boo view of mountains. There is a security screen door, that opens up to entry hall. There are two bedrooms and two baths. Master suite is very spacious and master bath has double vanities, walk-in shower and a CUSTOM walk-in closet. The second bedroom also has a built-out closet. The kitchen is open, has neutral easy care corian counters, and a GE profile refrigerator. Laundry room with cabinets and a soaking sink. The back yard that can be enjoyed from the great room, dining room and master bedroom is beautiful. Palm trees, lots of color, and extended patio.
-
2016-03-22price $229,999 925-char remark
Show marketing remark (925 chars)
Priced to SELL! Immaculate upgraded CORDOBA model, gently used part time since 2010 by snowbird owners. Quiet cul-de-sac location with only 8 homes on street. Home has TILE everywhere but sleeping areas and plantation SHUTTERS throughout and overhead FANS installed. Garden has Mature palm trees and gorgeous tropical landscaping, extended patio and a peek a boo view of mountains. There is a security screen door, that opens up to entry hall. There are two bedrooms and two baths. Master suite is very spacious and master bath has double vanities, walk-in shower and a CUSTOM walk-in closet. The second bedroom also has a built-out closet. The kitchen is open, has neutral easy care corian counters, and a GE profile refrigerator. Laundry room with cabinets and a soaking sink. The back yard that can be enjoyed from the great room, dining room and master bedroom is beautiful. Palm trees, lots of color, and extended patio.
-
2016-03-08price $239,000 925-char remark
Show marketing remark (925 chars)
Priced to SELL! Immaculate upgraded CORDOBA model, gently used part time since 2010 by snowbird owners. Quiet cul-de-sac location with only 8 homes on street. Home has TILE everywhere but sleeping areas and plantation SHUTTERS throughout and overhead FANS installed. Garden has Mature palm trees and gorgeous tropical landscaping, extended patio and a peek a boo view of mountains. There is a security screen door, that opens up to entry hall. There are two bedrooms and two baths. Master suite is very spacious and master bath has double vanities, walk-in shower and a CUSTOM walk-in closet. The second bedroom also has a built-out closet. The kitchen is open, has neutral easy care corian counters, and a GE profile refrigerator. Laundry room with cabinets and a soaking sink. The back yard that can be enjoyed from the great room, dining room and master bedroom is beautiful. Palm trees, lots of color, and extended patio.
-
2016-02-17$247,000 Active 925-char remark
Show marketing remark (925 chars)
Priced to SELL! Immaculate upgraded CORDOBA model, gently used part time since 2010 by snowbird owners. Quiet cul-de-sac location with only 8 homes on street. Home has TILE everywhere but sleeping areas and plantation SHUTTERS throughout and overhead FANS installed. Garden has Mature palm trees and gorgeous tropical landscaping, extended patio and a peek a boo view of mountains. There is a security screen door, that opens up to entry hall. There are two bedrooms and two baths. Master suite is very spacious and master bath has double vanities, walk-in shower and a CUSTOM walk-in closet. The second bedroom also has a built-out closet. The kitchen is open, has neutral easy care corian counters, and a GE profile refrigerator. Laundry room with cabinets and a soaking sink. The back yard that can be enjoyed from the great room, dining room and master bedroom is beautiful. Palm trees, lots of color, and extended patio.
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast CA · Resets to sale price
- Current annual tax
- $6,589 · $549/mo
- Projected year-2 tax
- $6,589 · $549/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 D · 0% chance over 30 yrs
- Wildfire 6/10 Major
- Heat 10/10 Extreme 7 d/yr ≥114°F today · 17 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 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
- $41,854
- − Mortgage interest
- −$22,294
- − Property taxes
- −$6,589
- − Insurance
- −$1,990
- − Repairs & maintenance
- −$3,348
- − Management
- −$3,348
- − HOA
- −$4,428
- − Depreciation
- −$11,578
- Taxable loss
- −$11,722
- Est. tax savings @ 24.0%
- +$2,813
- After-tax cash flow
- $-2,175/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
- Desert Sands Unified
- NCES district ID
- 0611110
- Math proficiency
- 31% ▼ -4.00%
- Reading proficiency
- 56% ▲ 7.00%
- Median HH income
- $54,957
- Composite
- 37.77/100
- National rank
- #4346
- State rank
- #199 of 517 in CA
Livability — Indio
- Score
- 53/100
- State rank
- #927
- US rank
- #24244
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Indio, CA
- County
- Riverside County · 2,287,001 people
- City population
- 100,560
- Metro
- Riverside-San Bernardino-Ontario, CA
- Population (ZIP)
- 34,735
- Household income
- $97,311
- Rent vs Own
- Severe rent burden
- 565.0
Population outlook (Riverside County) Hauer SSP2
- Today (2025)
- 2,664,475 people
- By 2030
- 2,802,692 · +5.2%
- By 2040
- 3,050,904 · +14.5%
- By 2050
- 3,256,783 · +22.2%
- By 2075
- 3,655,058 · +37.2%
- By 2100
- 3,766,594 · +41.4%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.57)
- Race & ethnicity
- Hispanic / Latino 51% White 41% Two or more races 29% Asian 3% Black 2%
- Hispanic origin (detail)
- Mexican 48%
- Common ancestry
- Italian 3% Lithuanian 2% Romanian 2%
- Foreign-born
- 14% · Canada
- Languages at home
- 64% English-only · Spanish 33% Tagalog/Filipino 1% Other Indo-European 1%
Political lean MEDSL · Riverside
- 2024 margin
- Toss-up / Even · D 48.0% · R 49.3% · Other 2.6%
- 2008→2024 swing
- -3.6pp toward R · 2008: 2.3pp · 2024: -1.3pp
- All cycles
- 2024: R+1.3 2020: D+8.0 2016: D+4.3 2012: R+0.4 2008: D+2.3
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -98.51%
- Current HPI
- 295.6456
- Rent YoY
- ▲ 11.64%
- Metro
- Riverside-San Bernardino-Ontario, CA
- State GDP YoY
- ▲ 3.21%
- F500 in state
- 116
Industry mix (Fortune 500 HQ in CA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Technology | 27 | $1,492B |
|
||
| Financial Services | 3 | $174B |
|
||
| Retail | 3 | $44B |
|
||
| Insurance | 3 | $26B |
|
||
| Media / Entertainment | 2 | $115B |
|
||
| Pharmaceuticals / Biotech | 2 | $62B |
|
||
Price history
+61.1% since first listed8 events — show timeline
- 2026-02-06 Listed $398,000 GPSMLS
- 2016-05-17 Sold (Public Records) $230,000 Public Records
- 2016-05-17 Sold (MLS) $229,999 GPSMLS
- 2016-04-30 Pending — GPSMLS
- 2016-04-08 Contingent — GPSMLS
- 2016-03-22 Price Changed $229,999 GPSMLS
- 2016-03-08 Price Changed $239,000 GPSMLS
- 2016-02-17 Listed $247,000 GPSMLS
Property tax history
+24.7%/yrLatest (2025): $6,589 · +2.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…