95 Terrafirma Ln · Cherokee Village, AR 72513

$89,900

3 bd · 1.0 ba · 816 sqft · SingleFamily public records · 436 Days on market

Built 1975 4.17 ac lot ↓ 10% since listing

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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 +26.2/30.0
• DSCR +8.9/10.0
• ARV discount +7.5/15.0
• 1% rule +7.0/10.0
• Appreciation +5.0/10.0
• Schools +3.4/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

3 Bedroom, 1 bath home with open floor plan is just waiting on you to update and make it fit your taste. Home features a cozy kitchen, large primary bedroom with its own porch, and a dedicated laundry. Original hardwood flooring can be found in several rooms. This 4.17 +/-acres with highway frontage has a level field ready for livestock.

Key facts

• Open floor plan
• Cozy kitchen
• Highway frontage

Tags

• OPEN FLOOR PLAN
• COZY KITCHEN
• DEDICATED LAUNDRY
• ORIGINAL HARDWOOD FLOORING
• HIGHWAY FRONTAGE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $231 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $79k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.4% vs local median 5.7% in Cherokee Village — 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 (#227 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime A, housing B+; Watch: schools F, amenities F, commute F.
• Highland School District (town): math 43% / reading 39% proficiency, ranked #66 of 238 in AR (top 28%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 59 active listings in the ZIP.

Forward outlook

• In year one you build about $3k of equity ($622 loan paydown + $3k appreciation (3.0% local appreciation)).
• Fulton County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 10, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 436 days — a 12% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $79,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 436 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 1975 — 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 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?
6. 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.
7. 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.
8. 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: 1.20% ✓
• Cap rate: 9.37%
• Cash-on-cash: 11.00%
• DSCR: 1.49
• GRM: 6.9

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: 17.8%
• Equity multiple: 2.01×
• Total profit: $25,539
• Equity at exit: $40,423

10-year hold

• IRR: 19.2%
• Equity multiple: 3.80×
• Total profit: $70,361
• Equity at exit: $62,297

Cash invested: $25,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 92 Strongly Landlord-Friendly
• State Arkansas: 92 Strongly Landlord-Friendly · R+14
• County: — inherits STATE
• City: — inherits STATE

Only US state where non-payment is criminal. Strongly landlord-favorable; very few tenant protections.

Methodology + full state rankings →

ZIP-level market 72513

• Active inventory: 59
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,078 medium
• Mortgage (P&I): −$471
• Tax est. 1.5%: −$112 /mo · $1,348/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$226
• Net cashflow: $231

Break-even live

Break-even rent $786

Max offer price $89,900

Occupancy floor 74%

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-19
   days on market $89,900 Active 436 DOM
2. 2026-06-18
   days on market $89,900 Active 435 DOM
3. 2026-06-17
   days on market $89,900 Active 434 DOM
4. 2026-06-16
   days on market $89,900 Active 433 DOM
5. 2026-06-15
   days on market $89,900 Active 432 DOM
6. 2026-06-14
   days on market $89,900 Active 430 DOM
7. 2026-06-12
   days on market $89,900 Active 429 DOM
8. 2026-06-09
   days on market $89,900 Active 426 DOM
9. 2026-06-08
   days on market $89,900 Active 425 DOM
10. 2026-06-07
    days on market $89,900 Active 424 DOM
11. 2026-06-04
    days on market $89,900 Active 420 DOM
12. 2026-06-02
    days on market $89,900 Active 419 DOM
13. 2026-06-01
    days on market $89,900 Active 418 DOM
14. 2026-05-31
    days on market $89,900 Active 417 DOM
15. 2026-05-31
    days on market $89,900 Active 416 DOM
16. 2026-04-01
    price $89,900 339-char remark

    Show marketing remark (339 chars)

    3 Bedroom, 1 bath home with open floor plan is just waiting on you to update and make it fit your taste. Home features a cozy kitchen, large primary bedroom with its own porch, and a dedicated laundry. Original hardwood flooring can be found in several rooms. This 4.17 +/-acres with highway frontage has a level field ready for livestock.

17. 2026-04-01
    price $89,900 339-char remark

    Show marketing remark (339 chars)

    3 Bedroom, 1 bath home with open floor plan is just waiting on you to update and make it fit your taste. Home features a cozy kitchen, large primary bedroom with its own porch, and a dedicated laundry. Original hardwood flooring can be found in several rooms. This 4.17 +/-acres with highway frontage has a level field ready for livestock.

18. 2025-04-09
    listed $99,900 Active 339-char remark

    Show marketing remark (339 chars)

    3 Bedroom, 1 bath home with open floor plan is just waiting on you to update and make it fit your taste. Home features a cozy kitchen, large primary bedroom with its own porch, and a dedicated laundry. Original hardwood flooring can be found in several rooms. This 4.17 +/-acres with highway frontage has a level field ready for livestock.

19. 2025-04-08
    listed $99,900 New Listing 339-char remark

    Show marketing remark (339 chars)

    3 Bedroom, 1 bath home with open floor plan is just waiting on you to update and make it fit your taste. Home features a cozy kitchen, large primary bedroom with its own porch, and a dedicated laundry. Original hardwood flooring can be found in several rooms. This 4.17 +/-acres with highway frontage has a level field ready for livestock.

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

Taxation est. · year 1

• Rental income: $12,941
• − Mortgage interest: −$5,036
• − Property taxes: −$1,348
• − Insurance: −$450
• − Repairs & maintenance: −$1,035
• − Management: −$1,035
• − Depreciation: −$2,615
• Taxable income: $1,422
• Est. tax owed @ 24.0%: −$341
• After-tax cash flow: $2,427/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: Highland School District
• NCES district ID: 0507770
• Math proficiency: 43% ▼ -7.00%
• Reading proficiency: 39% ▼ -9.00%
• Median HH income: $32,066
• Composite: 33.63/100
• National rank: #5400
• State rank: #66 of 238 in AR

Livability — Cherokee Village

• Score: 62/100
• State rank: #227
• US rank: #17211

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 5,090
• Population (ZIP): 2,858

Population outlook (Fulton County) Hauer SSP2

• Today (2025): 11,739 people
• By 2030: 11,330 · -3.5%
• By 2040: 10,483 · -10.7%
• By 2050: 9,717 · -17.2%
• By 2075: 8,351 · -28.9%
• By 2100: 6,853 · -41.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 4% Hispanic / Latino 2% Black 1%
• Common ancestry: Lithuanian 5% Slovak 5% Serbian 1%
• Foreign-born: 1%

Political lean MEDSL · Fulton

• 2024 margin: Solid R (+62.1) · D 18.0% · R 80.1% · Other 1.9%
• 2008→2024 swing: -43.3pp toward R · 2008: -18.9pp · 2024: -62.1pp
• All cycles: 2024: R+62.1 2020: R+57.2 2016: R+50.7 2012: R+33.1 2008: R+18.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.80%
• F500 in state: 10

Industry mix (Fortune 500 HQ in AR)

Industry	F500 HQs	Revenue
▸Retail	1	$681B
▸Food / Agriculture	1	$53B
▸Retail / Energy	1	$22B
▸Transportation / Logistics	1	$12B
▸Energy	1	$4B

Price history

-10.0% since first listed

4 events — show timeline

• 2026-04-01 Price Changed $89,900 CARMLS
• 2026-04-01 Price Changed $89,900 Batesville
• 2025-04-09 Listed $99,900 Batesville
• 2025-04-08 Listed $99,900 CARMLS