13818 11th St · Osseo, WI 54728

$127,500

3 bd · 1.5 ba · 1,352 sqft · Other · 2 Days on market

Built 1900 9,583 sqft lot

---

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 +20.1/30.0
• ARV discount +7.5/15.0
• DSCR +6.4/10.0
• 1% rule +6.2/10.0
• Livability +3.6/5.0
• Schools +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this inviting 3-bedroom, 1.5-bath home located in the heart of Osseo. Featuring a spacious layout and a large yard perfect for outdoor entertaining, gardening, or future expansion. The property offers ample space to add a garage, making it an excellent opportunity for buyers looking to customize. Enjoy small-town charm with convenient access to nearby parks, schools, and local amenities. Home does need some work.

Key facts

• Wood deck
• Brick patio
• Main floor laundry

Tags

• MAIN FLOOR LAUNDRY
• LARGE YARD
• VINYL SIDING
• WOOD DECK
• BRICK PATIO
• BONUS ROOM

Property features AI

Exterior

• Utilities: Municipal water; Municipal sewer; Natural gas service
• Home design: Two-story single-family home; Estimated finished above-grade living area around 1,352; Property under 1/2 acre (lot about 0.22 acre); Zoned residential
• Construction: Partial finished below-grade: 0; Partial stone in basement
• Exterior features: Vinyl exterior; Deck; Patio; Stone patio

Interior

• Kitchen: Kitchen on main level, approximately 14 x 12
• Bedrooms: Master bedroom on main level, approximately 10 x 9; Second bedroom on upper level, approximately 16 x 10; Third bedroom on upper level, approximately 11 x 12
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Forced air heating (natural gas); Central air conditioning
• Interior features: Circuit breakers; Partial stone basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath other listed at $128k.

Deal economics

• At list price, monthly cash flow is $159 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $128k).

Location & tenants

• Location reads 71/100 on livability (#260 in WI) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety D, amenities F, commute F.
• Osseo-Fairchild School District (rural): math 40% / reading 38% proficiency, ranked #170 of 342 in WI (top 50%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 57 active listings in the ZIP; 150 units permitted in Trempealeau County in 2024 (12 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $882 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Trempealeau County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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 $104k; 22% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $127,500

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.12% ✓
• Cap rate: 7.79%
• Cash-on-cash: 5.35%
• DSCR: 1.24
• GRM: 7.4

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: -7.9%
• Equity multiple: 0.71×
• Total profit: $-10,444
• Equity at exit: $19,011

10-year hold

• IRR: 1.7%
• Equity multiple: 1.12×
• Total profit: $4,268
• Equity at exit: $11,024

Cash invested: $35,700 (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 54728

• Home prices YoY: -25.1%
• Active inventory: 57
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,427 medium
• Mortgage (P&I): −$669
• Tax from tax record: −$246 /mo · $2,955/yr
• Insurance: −$53
• HOA: −$0
• Vacancy / Maint / Mgmt: −$300
• Net cashflow: $159

Break-even live

Break-even rent $1,225

Max offer price $127,500

Occupancy floor 84%

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: $31,875
• Closing costs: $3,825
• Reserves months: —
• Total cash needed: —

Listing history 3 events

1. 2026-06-18
   days on market $127,500 Active 2 DOM
2. 2026-06-17
   remarks 287-char remark
3. 2026-06-17
   listed $127,500 Active 1 DOM

ⓘ 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: $2,955 · $246/mo
• Projected year-2 tax: $2,955 · $246/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 4/10 Moderate FEMA zone X (unshaded) · 23% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥97°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,122
• − Mortgage interest: −$7,142
• − Property taxes: −$2,955
• − Insurance: −$638
• − Repairs & maintenance: −$1,370
• − Management: −$1,370
• − Depreciation: −$3,709
• Taxable loss: −$61
• Est. tax savings @ 24.0%: +$15
• After-tax cash flow: $1,925/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: Osseo-Fairchild School District
• NCES district ID: 5511220
• Math proficiency: 40% ▼ -6.00%
• Reading proficiency: 38% ▲ 1.00%
• Median HH income: $48,731
• Composite: 33.56/100
• National rank: #5425
• State rank: #170 of 342 in WI

Livability — Osseo

• Score: 71/100
• State rank: #260
• US rank: #6623

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Osseo, WI
• Population (ZIP): 5,631

Population outlook (Trempealeau County) Hauer SSP2

• Today (2025): 30,452 people
• By 2030: 30,904 · +1.5%
• By 2040: 31,623 · +3.8%
• By 2050: 31,864 · +4.6%
• By 2075: 32,768 · +7.6%
• By 2100: 31,624 · +3.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3%
• Common ancestry: Portuguese 19% Romanian 5% Lithuanian 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · German/W. Germanic 1% Spanish 1%

Political lean MEDSL · Trempealeau

• 2024 margin: Strong R (+21.4) · D 38.7% · R 60.1% · Other 1.2%
• 2008→2024 swing: -47.8pp toward R · 2008: 26.4pp · 2024: -21.4pp
• All cycles: 2024: R+21.4 2020: R+16.6 2016: R+12.7 2012: D+14.1 2008: D+26.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -73.59%
• Current HPI: 220.0168
• 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

+22.0% since first listed

5 events — show timeline

• 2026-06-14 Listed $127,500 RANWW
• 2026-01-27 Listing Removed — RANWW
• 2025-11-03 Price Changed $144,900 RANWW
• 2025-10-16 Listed $155,000 RANWW
• 2021-01-26 Sold (Public Records) $104,500 Public Records

Property tax history

+5.3%/yr

Latest (2025): $2,955 · +30.4% YoY. Source: county tax records.