2410 Country Ln · Scottsbluff, NE 69361

$147,000

2 bd · 1.0 ba · 1,236 sqft · SingleFamily public records · 48 Days on market

Built 1958 $119/sqft · 25% below area Est $195k · 25% under

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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 +15.0/15.0
• Cash flow +9.4/30.0
• Livability +3.7/5.0
• Schools +3.6/10.0
• DSCR +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• Appreciation +0.0/10.0

Key facts

• Garage
• Built 1958
• Listed 48 days

Property features AI

Finance

• Financial info: Annual tax noted

Exterior

• Parking: Detached 1-car garage
• Security: Security system; Smoke detectors
• Utilities: Private well water; Public sewer
• Home design: Single-family residence; Residential property
• Construction: Frame construction; Vinyl siding; Asphalt roof
• Exterior features: Covered patio/porch; Shed(s); Gravel road access; Irregular-shaped lot

Interior

• Kitchen: Dishwasher; Electric range; Disposal; Microwave; Refrigerator
• Bedrooms: 2 main-level bedrooms
• Bathrooms: 1 main-level bathroom
• Heating & cooling: Central air conditioning; Forced-air heating
• Interior features: Eat-in kitchen; Covered porch/patio
• Laundry & utility: Laundry on main level

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $147k.

Deal economics

• At list price, monthly cash flow is $-105 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $129k (12.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $106k (28.1% below list).
• Recommended offer: $106k (28.1% below list) — sets the bar for 1% rule.
• Cap rate 5.4% vs local median 3.1% in Scottsbluff — 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 74/100 on livability (#127 in NE, #4,862 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D+, crime F, amenities D-.
• Scottsbluff Public Schools (town): math 45% / reading 41% proficiency, ranked #89 of 111 in NE (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Scottsbluff Senior High School (math 37% / reading 56%, grade D-, #144 of 261 statewide, top 55%, 1,118 students, 57% FRL).
• Market conditions: 103 active listings in the ZIP; 33 units permitted in Scotts Bluff County in 2024 (0 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.
• Scotts Bluff County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($143k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 11y ago; this cycle's ask has dropped $18k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $79k; list at $147k implies a 86% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $105,627 (28.1% below list)

Questions for the listing agent

1. 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?
2. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.72% ✗
• Cap rate: 5.44%
• Cash-on-cash: -3.05%
• DSCR: 0.86
• GRM: 11.6

CMA / ARV

• ARV (median comp): $195,000
• List price: $147,000
• Delta: -24.62%
• Verdict: UNDERPRICED
• Comps: 13 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2317 Kingsgate Rd	0.18mi	3/1.0 (+1)	1,196 (-3%)	4mo	$175,500	$147	77
2318 Highland Dr	0.08mi	3/2.0 (+1)	1,284 (+4%)	10mo	$179,000	$139	72
4317 Pleasant Dr	0.12mi	3/2.0 (+1)	1,284 (+4%)	18mo	$192,500	$150	64
2517 Highland Dr	0.13mi	3/1.0 (+1)	1,128 (-9%)	19mo	$146,000	$129	59

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

5-year hold

• IRR: -21.4%
• Equity multiple: 0.26×
• Total profit: $-30,510
• Equity at exit: $21,918

10-year hold

• IRR: -15.1%
• Equity multiple: 0.14×
• Total profit: $-35,269
• Equity at exit: $12,710

Cash invested: $41,160 (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 69361

• Active inventory: 103
• Price-to-rent: 11.6×

Monthly cashflow live

• Estimated rent: $1,056 medium
• Mortgage (P&I): −$771
• Tax from tax record: −$107 /mo · $1,282/yr
• Insurance: −$61
• HOA: −$0
• Vacancy / Maint / Mgmt: −$222
• Net cashflow: $-105

Break-even live

Break-even rent $1,189

Max offer price $128,531

Occupancy floor —

Sensitivity live

Price	-10% $-21	-5% $-63	+0% $-105	+5% $-146	+10% $-188
Rent	-10% $-188	-5% $-146	+0% $-105	+5% $-63	+10% $-21
Rate	-1.0pp $-31	-0.5pp $-67	base $-105	+0.5pp $-143	+1.0pp $-181

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: $36,750
• Closing costs: $4,410
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   status $147,000 Pending 48 DOM
2. 2026-06-18
   days on market $147,000 Active 48 DOM
3. 2026-06-17
   days on market $147,000 Active 47 DOM
4. 2026-06-16
   days on market $147,000 Active 46 DOM
5. 2026-06-15
   days on market $147,000 Active 45 DOM
6. 2026-06-14
   price $147,000 Active 43 DOM
7. 2026-06-13
   days on market $159,000 Active 43 DOM
8. 2026-06-12
   days on market $159,000 Active 42 DOM
9. 2026-06-09
   days on market $159,000 Active 39 DOM
10. 2026-06-08
    days on market $159,000 Active 38 DOM
11. 2026-06-07
    days on market $159,000 Active 37 DOM
12. 2026-06-07
    days on market $159,000 Active 36 DOM
13. 2026-06-04
    days on market $159,000 Active 33 DOM
14. 2026-06-02
    days on market $159,000 Active 32 DOM
15. 2026-06-01
    days on market $159,000 Active 31 DOM
16. 2026-05-31
    days on market $159,000 Active 30 DOM
17. 2026-05-01
    listed $165,000 Active
18. 2015-06-29
    soldstatus $79,100
19. 2015-06-26
    soldstatus $79,000
20. 2015-05-25
    listed $79,000

ⓘ 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: $1,282 · $107/mo
• Projected year-2 tax: $2,543 · $212/mo
• Expected delta: +$1,261/yr (+$105/mo · 98.3%)

ⓘ 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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 18 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: $12,675
• − Mortgage interest: −$8,234
• − Property taxes: −$1,282
• − Insurance: −$735
• − Repairs & maintenance: −$1,014
• − Management: −$1,014
• − Depreciation: −$4,276
• Taxable loss: −$3,881
• Est. tax savings @ 24.0%: +$931
• After-tax cash flow: $-323/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: Scottsbluff Public Schools
• NCES district ID: 3176470
• Math proficiency: 45% ▼ -1.00%
• Reading proficiency: 41% ▼ -4.00%
• Median HH income: $40,931
• Composite: 36.14/100
• National rank: #4745
• State rank: #89 of 111 in NE

Livability — Scottsbluff

• Score: 74/100
• State rank: #127
• US rank: #4862

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 16,965

Population outlook (Scotts Bluff County) Hauer SSP2

• Today (2025): 35,740 people
• By 2030: 35,229 · -1.4%
• By 2040: 34,160 · -4.4%
• By 2050: 33,656 · -5.8%
• By 2075: 35,257 · -1.4%
• By 2100: 39,158 · +9.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 26% Two or more races 12% Native American 2% Asian 1%
• Hispanic origin (detail): Mexican 23%
• Common ancestry: Iranian 2% Scotch-Irish 2% Portuguese 1%
• Foreign-born: 4% · Canada
• Languages at home: 88% English-only · Spanish 10% Other Asian/Pacific 1%

Political lean MEDSL · Scotts Bluff

• 2024 margin: Solid R (+47.7) · D 25.6% · R 73.4% · Other 1.0%
• 2008→2024 swing: -14.0pp toward R · 2008: -33.7pp · 2024: -47.7pp
• All cycles: 2024: R+47.7 2020: R+43.5 2016: R+48.9 2012: R+37.7 2008: R+33.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -181.96%
• Current HPI: 169.5952
• 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

+86.1% since first listed

6 events — show timeline

• 2026-06-13 Price Changed $147,000 WNBOR
• 2026-05-20 Price Changed $159,000 WNBOR
• 2026-05-01 Listed $165,000 WNBOR
• 2015-06-29 Sold (Public Records) $79,100 Public Records
• 2015-06-26 Sold (MLS) $79,000 WNBOR
• 2015-05-25 Listed $79,000 WNBOR

Property tax history

-2.2%/yr

Latest (2025): $1,282 · -28.7% YoY. Source: county tax records.