102 Owen Judd Rd · Edmonton, KY 42129

$5,000

3 bd · 2.5 ba · 1,848 sqft · Other public records · 39 Days on market

Built 1999 2.27 ac lot

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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).

• Cash flow +15.0/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0

Listing remarks

Auction date June 20th 10:00 Am Central time. To bid online go to soldbythegavel.com Welcome to 102 Owen Judd Rd, Edmonton, KY — a rare opportunity to own your own slice of Kentucky countryside! This charming 3-bedroom, 2.5-bath home is nestled on approximately 2.27 acres at the end of a quiet dead-end road, offering the kind of peace and privacy so many buyers dream about. If you’ve been searching for a property where you can truly slow down and enjoy country life, this could be the one! With plenty of room for gardening, animals, or creating your own mini farm, this unrestricted property gives you the freedom to make it your own. Whether you’re dreaming of homesteading,

Key facts

• 2.27 acres
• Wide open space
• Quiet dead-end road

Tags

• 2.27 ACRES
• QUIET DEAD-END ROAD
• UNRESTRICTED PROPERTY
• WIDE OPEN SPACE
• PEACEFUL RURAL LIVING
• MINUTES FROM EDMONTON

Property features AI

Finance

• Other: Lot sits on approximately 2.27 acres

Exterior

• Utilities: Electric water heater
• Home design: Residential mobile home; Auction property type (per listing)
• Construction: Vinyl siding; Metal roof
• Exterior features: Garden; Deck; Porch

Interior

• Flooring: Carpet; Laminate; Vinyl
• Bathrooms: 2 full bathrooms; 1 half bathroom; 2 main-level bathrooms
• Heating & cooling: Central heating (electric); Ceiling fan(s)
• Interior features: Electric water heater; Garden (listed under exterior but noted as a cared-for outdoor feature)
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath other listed at $5k.

Deal economics

• At list price, monthly cash flow is $835 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $5k).
• Recommended offer: $5k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 74/100 on livability (#112 in KY, #4,901 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, health & safety A+; Watch: amenities F, commute F, employment F.
• Metcalfe County (rural): math 18% / reading 27% proficiency, ranked #154 of 165 in KY (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Metcalfe County Middle School (math 17% / reading 30%, grade F, #196 of 217 statewide, top 90%, 367 students, 71% FRL); Metcalfe County High School (math 17% / reading 27%, grade F, #202 of 254 statewide, top 82%, 456 students, 67% FRL).
• Market conditions: 34 active listings in the ZIP.

Forward outlook

• In year one you build about $535 of equity ($35 loan paydown + $500 appreciation (10.0% local appreciation)).
• Metcalfe County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($5k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $4,850 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 22.00% ✓
• Cap rate: 206.61%
• Cash-on-cash: 715.41%
• DSCR: 32.83
• GRM: 0.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 40.93×
• Total profit: $55,899
• Equity at exit: $4,504

10-year hold

• IRR: —
• Equity multiple: 88.74×
• Total profit: $122,841
• Equity at exit: $9,714

Cash invested: $1,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Kentucky: 83 Strongly Landlord-Friendly · R+16
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit (URLTA cities); generally landlord-friendly.

Methodology + full state rankings →

ZIP-level market 42129

• Home prices YoY: 9.4%
• Active inventory: 34
• Price-to-rent: 0.4×

Monthly cashflow live

• Estimated rent: $1,100 medium
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $835

Break-even live

Break-even rent $44

Max offer price $5,000

Occupancy floor 19%

Sensitivity live

Price	-10% $838	-5% $836	+0% $835	+5% $833	+10% $831
Rent	-10% $748	-5% $791	+0% $835	+5% $878	+10% $922
Rate	-1.0pp $837	-0.5pp $836	base $835	+0.5pp $833	+1.0pp $832

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-21
   days on market $5,000 Active 39 DOM
2. 2026-06-18
   days on market $5,000 Active 37 DOM
3. 2026-06-17
   days on market $5,000 Active 36 DOM
4. 2026-06-16
   days on market $5,000 Active 35 DOM
5. 2026-06-15
   days on market $5,000 Active 34 DOM
6. 2026-06-13
   days on market $5,000 Active 32 DOM
7. 2026-06-12
   days on market $5,000 Active 31 DOM
8. 2026-06-09
   days on market $5,000 Active 28 DOM
9. 2026-06-08
   days on market $5,000 Active 27 DOM
10. 2026-06-07
    days on market $5,000 Active 26 DOM
11. 2026-06-07
    days on market $5,000 Active 25 DOM
12. 2026-06-04
    days on market $5,000 Active 22 DOM
13. 2026-06-02
    days on market $5,000 Active 21 DOM
14. 2026-06-01
    days on market $5,000 Active 20 DOM
15. 2026-05-31
    days on market $5,000 Active 19 DOM
16. 2026-05-31
    days on market $5,000 Active 18 DOM
17. 2026-05-11
    listed $5,000 Active 1216-char remark

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,203
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$25
• − Repairs & maintenance: −$1,056
• − Management: −$1,056
• − Depreciation: −$145
• Taxable income: $10,565
• Est. tax owed @ 24.0%: −$2,536
• After-tax cash flow: $7,480/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: Metcalfe County
• NCES district ID: 2104140
• Math proficiency: 18% ▼ -10.00%
• Reading proficiency: 27% ▼ -16.00%
• Median HH income: $34,026
• Composite: 18.42/100
• National rank: #8935
• State rank: #154 of 165 in KY

Livability — Edmonton

• Score: 74/100
• State rank: #112
• US rank: #4901

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 7,044

Population outlook (Metcalfe County) Hauer SSP2

• Today (2025): 9,350 people
• By 2030: 8,970 · -4.1%
• By 2040: 8,152 · -12.8%
• By 2050: 7,353 · -21.4%
• By 2075: 6,090 · -34.9%
• By 2100: 5,563 · -40.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Hispanic / Latino 3% Two or more races 2%
• Common ancestry: Slovak 2% Serbian 2% Lithuanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Metcalfe

• 2024 margin: Solid R (+64.7) · D 17.2% · R 81.9%
• 2008→2024 swing: -31.7pp toward R · 2008: -33.0pp · 2024: -64.7pp
• All cycles: 2024: R+64.7 2020: R+59.5 2016: R+54.5 2012: R+29.9 2008: R+33.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 23.00%
• Current HPI: 267.7932
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.81%
• F500 in state: 4

Industry mix (Fortune 500 HQ in KY)

Industry	F500 HQs	Revenue
▸Healthcare	1	$118B
▸Food / Beverage	1	$7B

Price history

1 event — show timeline

• 2026-05-11 Listed $5,000 RASKMLS