559 H St · Unadilla, NE 68454

$175,000

3 bd · 2.0 ba · 1,805 sqft · SingleFamily public records · 1 Days on market

Built 1890 6,098 sqft lot Est $321k · 46% under

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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).

• ARV discount +15.0/15.0
• Cash flow +10.2/30.0
• Appreciation +8.0/10.0
• Schools +5.2/10.0
• Livability +3.4/5.0
• DSCR +2.9/10.0
• 1% rule +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Lovely 2 story home with many updated items ready for its new owner. If you love big wrap around porches, large decks and the vintage style of an older home yet with modern updates, this is a must see! Stepping into the front door you will find a large combined living and dining room just off galley kitchen, a lovely office space, and laundry room with 1/2 bath. The upstairs houses all 3 bedrooms and full bathroom. The unfinished basement is great for storage! Central Air, heating, water heater, vinyl siding are all newer updates done by the current owner plus a recent duct cleaning was done as well. Priced to sell and ready for you to make it yours. Come take a look!

Key facts

• Office space
• Galley kitchen
• Laundry room

Tags

• WRAP AROUND PORCHES
• LARGE DECKS
• GALLEY KITCHEN
• OFFICE SPACE
• LAUNDRY ROOM
• UNFINISHED BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $-99 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $158k (10.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $135k (22.7% below list).
• Recommended offer: $135k (22.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#254 in NE) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: health & safety C-, amenities F, commute F.
• Syracuse-Dunbar-Avoca Schools (rural): math 65% / reading 57% proficiency, ranked #16 of 111 in NE (top 14%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 20% free/reduced lunch — higher-income household profile.
• Zoned schools: Elementary School At Syracuse (math 54% / reading 64%, grade B-, #111 of 502 statewide, top 26%, 271 students, 16% FRL); Middle School At Syracuse (math 68% / reading 56%, grade B+, #16 of 128 statewide, top 12%, 305 students, 19% FRL); High School At Syracuse (math 64% / reading 64%, grade B-, #25 of 261 statewide, top 13%, 217 students, 24% FRL) — zoned schools at 19% FRL track the district average.
• Market conditions: 4 active listings in the ZIP; 29 units permitted in Otoe County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($1k loan paydown + $11k appreciation (6.0% local appreciation)).
• Otoe County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 4, paydown + projected appreciation supports a ~$40k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 14y 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 $68k; list at $175k implies a 157% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $135,322 (22.7% 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. Built in 1890 — 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 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?
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: 0.77% ✗
• Cap rate: 5.61%
• Cash-on-cash: -2.43%
• DSCR: 0.89
• GRM: 10.8

CMA / ARV

• ARV (on-the-fly): $321,290
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
227 10th St	0.26mi	3/3.0	1,746 (-3%)	1mo	$310,000	$178	78
1030 C Street St	0.39mi	3/3.0	1,756 (-3%)	1mo	$400,000	$228	72
472 Fifth St	0.13mi	2/1.0 (-1)	1,760 (-2%)	19mo	$153,000	$87	65
868 G St	0.22mi	4/1.5 (+1)	1,586 (-12%)	11mo	$260,000	$164	54

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

Projected returns pro-forma

6.05% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 13.5%
• Equity multiple: 1.91×
• Total profit: $44,696
• Equity at exit: $110,526

10-year hold

• IRR: 14.0%
• Equity multiple: 3.78×
• Total profit: $136,269
• Equity at exit: $200,878

Cash invested: $49,000 (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 68454

• Home prices YoY: 2.4%
• Active inventory: 4
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $1,353 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$177 /mo · $2,129/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $-99

Break-even live

Break-even rent $1,479

Max offer price $157,503

Occupancy floor —

Sensitivity live

Price	-10% $0	-5% $-50	+0% $-99	+5% $-149	+10% $-198
Rent	-10% $-206	-5% $-152	+0% $-99	+5% $-46	+10% $8
Rate	-1.0pp $-11	-0.5pp $-55	base $-99	+0.5pp $-144	+1.0pp $-191

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Listing history 9 events

1. 2026-04-02
   status Pending
2. 2026-03-31
   listed $175,000 New
3. 2013-05-24
   soldstatus $68,000
4. 2013-01-01
   historical
5. 2012-10-15
   listed $75,000
6. 2012-10-04
   historical
7. 2012-06-05
   listed $85,000
8. 2007-09-13
   soldstatus $82,000
9. 2005-07-23
   soldstatus $25,000

ⓘ 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: $2,129 · $177/mo
• Projected year-2 tax: $3,028 · $252/mo
• Expected delta: +$898/yr (+$75/mo · 42.2%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,239
• − Mortgage interest: −$9,803
• − Property taxes: −$2,129
• − Insurance: −$875
• − Repairs & maintenance: −$1,299
• − Management: −$1,299
• − Depreciation: −$5,091
• Taxable loss: −$4,258
• Est. tax savings @ 24.0%: +$1,022
• After-tax cash flow: $-167/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: Syracuse-Dunbar-Avoca Schools
• NCES district ID: 3177550
• Math proficiency: 65% ▬ 0.00%
• Reading proficiency: 57% ▼ -5.00%
• Median HH income: $51,897
• Composite: 52.13/100
• National rank: #1616
• State rank: #16 of 111 in NE

Livability — Unadilla

• Score: 68/100
• State rank: #254
• US rank: #9123

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Unadilla, NE
• Population (ZIP): 641

Population outlook (Otoe County) Hauer SSP2

• Today (2025): 16,475 people
• By 2030: 16,627 · +0.9%
• By 2040: 16,911 · +2.6%
• By 2050: 17,186 · +4.3%
• By 2075: 18,549 · +12.6%
• By 2100: 19,590 · +18.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Iranian 3% Romanian 3% Lithuanian 2%
• Languages at home: 94% English-only · Spanish 6%

Political lean MEDSL · Otoe

• 2024 margin: Solid R (+38.9) · D 30.0% · R 68.9% · Other 1.0%
• 2008→2024 swing: -23.1pp toward R · 2008: -15.8pp · 2024: -38.9pp
• All cycles: 2024: R+38.9 2020: R+37.8 2016: R+38.7 2012: R+24.4 2008: R+15.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.05%
• Current HPI: 257.2884
• 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

+600.0% since first listed

9 events — show timeline

• 2026-04-02 Pending — GPRMLS
• 2026-03-31 Listed $175,000 GPRMLS
• 2013-05-24 Sold (Public Records) $68,000 Public Records
• 2013-01-01 Listing Removed — GPRMLS
• 2012-10-15 Listed $75,000 GPRMLS
• 2012-10-04 Listing Removed — GPRMLS
• 2012-06-05 Listed $85,000 GPRMLS
• 2007-09-13 Sold (Public Records) $82,000 Public Records
• 2005-07-23 Sold (Public Records) $25,000 Public Records

Property tax history

+3.0%/yr

Latest (2025): $2,129 · +0.4% YoY. Source: county tax records.