417 NE 4th St · England, AR 72046

$107,500

3 bd · 2.0 ba · 1,655 sqft · SingleFamily public records · 84 Days on market

0.35 ac lot $65/sqft · 12% below area Est $122k · 12% under

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Why this score? — see what drove the A- 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 +30.0/30.0
• ARV discount +12.7/15.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +9.4/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

Don't miss out on this great 3BR/2BA home with nice sized living area, nice wood cabinets in kitchen, dining room with built-ins, laundry connections, fenced back yard with patio. All offers must be submitted by the Buyer's agent via the sellers res net Agent Portal. Agents please READ in the confidential agent remarks section for additional information on offer submission and other important information.

Key facts

• Laundry connections
• Fenced back yard
• Living area

Tags

• LIVING AREA
• DINING ROOM
• LAUNDRY CONNECTIONS
• FENCED BACK YARD
• PATIO
• DETACHED

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $108k.

Deal economics

• At list price, monthly cash flow is $535 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $108k).
• Recommended offer: $101k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#96 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools F, crime D-, amenities F.
• England School District (town): math 27% / reading 28% proficiency, ranked #170 of 238 in AR (top 71%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 50 active listings in the ZIP; 185 units permitted in Lonoke County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $11k of equity ($743 loan paydown + $11k appreciation (10.0% local appreciation)).
• Lonoke County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $30k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 84 days — a 6% lower offer ($101k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago; this cycle's ask has dropped $44k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $101,050 (6.0% below list)

Questions for the listing agent

1. It's been on market 84 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. Crime grade is D 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. 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: 1.44% ✓
• Cap rate: 12.27%
• Cash-on-cash: 21.34%
• DSCR: 1.95
• GRM: 5.8

CMA / ARV

• ARV (median comp): $121,692
• List price: $107,500
• Delta: -11.66%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
309 NE First St	0.23mi	3/2.0	1,708 (+3%)	10mo	$169,000	$99	76
100 Westchester Ln	0.40mi	3/2.0	1,668 (+1%)	13mo	$170,000	$102	69
511 NE First St	0.20mi	3/1.0	1,692 (+2%)	18mo	$148,000	$87	68
502 E Taylor St	0.55mi	3/1.5	1,642 (-1%)	13mo	$80,000	$49	60
323 SE 5th St	0.39mi	3/2.0	1,850 (+12%)	6mo	$108,000	$58	57
101 King Richard Dr	0.56mi	4/1.5 (+1)	1,687 (+2%)	17mo	$159,000	$94	49
104 Andrew Rd	0.75mi	3/2.5	1,860 (+12%)	20mo	$240,000	$129	26

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

Projected returns pro-forma

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

5-year hold

• IRR: 40.2%
• Equity multiple: 4.08×
• Total profit: $92,630
• Equity at exit: $96,845

10-year hold

• IRR: 34.7%
• Equity multiple: 9.17×
• Total profit: $245,946
• Equity at exit: $208,849

Cash invested: $30,100 (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 72046

• Home prices YoY: 20.0%
• Active inventory: 50
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,546 medium
• Mortgage (P&I): −$564
• Tax from tax record: −$77 /mo · $929/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $535

Break-even live

Break-even rent $868

Max offer price $107,500

Occupancy floor 60%

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: $26,875
• Closing costs: $3,225
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-19
   statusdays on market $107,500 Active 84 DOM
2. 2026-06-18
   days on market $107,500 Price Change 83 DOM
3. 2026-06-17
   days on market $107,500 Price Change 82 DOM
4. 2026-06-16
   days on market $107,500 Price Change 81 DOM
5. 2026-06-15
   days on market $107,500 Price Change 80 DOM
6. 2026-06-14
   days on market $107,500 Price Change 78 DOM
7. 2026-06-12
   pricestatusdays on market $107,500 Price Change 77 DOM
8. 2026-06-09
   days on market $119,900 Active 74 DOM
9. 2026-06-08
   days on market $119,900 Active 73 DOM
10. 2026-06-07
    days on market $119,900 Active 72 DOM
11. 2026-06-07
    days on market $119,900 Active 71 DOM
12. 2026-06-04
    days on market $119,900 Active 68 DOM
13. 2026-06-02
    days on market $119,900 Active 67 DOM
14. 2026-06-01
    days on market $119,900 Active 66 DOM
15. 2026-05-31
    days on market $119,900 Active 65 DOM
16. 2026-05-31
    days on market $119,900 Active 64 DOM
17. 2026-05-12
    price $119,900 408-char remark

    Show marketing remark (408 chars)

    Don't miss out on this great 3BR/2BA home with nice sized living area, nice wood cabinets in kitchen, dining room with built-ins, laundry connections, fenced back yard with patio. All offers must be submitted by the Buyer's agent via the sellers res net Agent Portal. Agents please READ in the confidential agent remarks section for additional information on offer submission and other important information.

18. 2026-04-27
    price $134,900 408-char remark

    Show marketing remark (408 chars)

    Don't miss out on this great 3BR/2BA home with nice sized living area, nice wood cabinets in kitchen, dining room with built-ins, laundry connections, fenced back yard with patio. All offers must be submitted by the Buyer's agent via the sellers res net Agent Portal. Agents please READ in the confidential agent remarks section for additional information on offer submission and other important information.

19. 2026-03-26
    listed $151,000 New Listing 408-char remark

    Show marketing remark (408 chars)

    Don't miss out on this great 3BR/2BA home with nice sized living area, nice wood cabinets in kitchen, dining room with built-ins, laundry connections, fenced back yard with patio. All offers must be submitted by the Buyer's agent via the sellers res net Agent Portal. Agents please READ in the confidential agent remarks section for additional information on offer submission and other important information.

20. 2023-02-06
    soldstatus $157,500
21. 2023-01-30
    status Pending (FC, SS, REO) 231-char remark

    Show marketing remark (231 chars)

    Amazing Family Home! This is a 3 Bedroom, 2 Bath home with New paint, New carpet, New LVP, custom cabinets, spacious layout and fully fenced backyard all on a large corner lot. Located in the heart of England! Check it out today!

22. 2023-01-20
    soldstatus $157,500 Sold 231-char remark

    Show marketing remark (231 chars)

    Amazing Family Home! This is a 3 Bedroom, 2 Bath home with New paint, New carpet, New LVP, custom cabinets, spacious layout and fully fenced backyard all on a large corner lot. Located in the heart of England! Check it out today!

23. 2022-12-05
    historical Take Backups 231-char remark

    Show marketing remark (231 chars)

    Amazing Family Home! This is a 3 Bedroom, 2 Bath home with New paint, New carpet, New LVP, custom cabinets, spacious layout and fully fenced backyard all on a large corner lot. Located in the heart of England! Check it out today!

24. 2022-12-01
    listed $154,000 New Listing 231-char remark

    Show marketing remark (231 chars)

    Amazing Family Home! This is a 3 Bedroom, 2 Bath home with New paint, New carpet, New LVP, custom cabinets, spacious layout and fully fenced backyard all on a large corner lot. Located in the heart of England! Check it out today!

25. 2015-02-19
    soldstatus $16,900
26. 2015-02-11
    soldstatus $16,900
27. 2015-01-12
    historical
28. 2014-12-04
    listed $13,900
29. 2001-09-13
    soldstatus $60,000

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

Tax reassessment forecast AR · Resets to sale price

• Current annual tax: $929 · $77/mo
• Projected year-2 tax: $929 · $77/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 17% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,552
• − Mortgage interest: −$6,022
• − Property taxes: −$929
• − Insurance: −$538
• − Repairs & maintenance: −$1,484
• − Management: −$1,484
• − Depreciation: −$3,127
• Taxable income: $4,967
• Est. tax owed @ 24.0%: −$1,192
• After-tax cash flow: $5,232/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: England School District
• NCES district ID: 0505850
• Math proficiency: 27% ▼ -7.00%
• Reading proficiency: 28% ▼ -2.00%
• Median HH income: $36,807
• Composite: 22.87/100
• National rank: #8006
• State rank: #170 of 238 in AR

Livability — England

• Score: 67/100
• State rank: #96
• US rank: #10256

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: England, AR
• Population (ZIP): 4,128

Population outlook (Lonoke County) Hauer SSP2

• Today (2025): 78,072 people
• By 2030: 80,673 · +3.3%
• By 2040: 84,977 · +8.8%
• By 2050: 87,778 · +12.4%
• By 2075: 91,398 · +17.1%
• By 2100: 87,858 · +12.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Black 20% Hispanic / Latino 6% Two or more races 5%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 4% Serbian 1% Italian 1%
• Foreign-born: 5% · Canada
• Languages at home: 93% English-only · Spanish 7%

Political lean MEDSL · Lonoke

• 2024 margin: Solid R (+53.7) · D 22.2% · R 75.8% · Other 2.0%
• 2008→2024 swing: -6.2pp toward R · 2008: -47.5pp · 2024: -53.7pp
• All cycles: 2024: R+53.7 2020: R+52.8 2016: R+53.3 2012: R+50.9 2008: R+47.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 33.41%
• Current HPI: 200.75
• 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

+99.8% since first listed

13 events — show timeline

• 2026-05-12 Price Changed $119,900 CARMLS
• 2026-04-27 Price Changed $134,900 CARMLS
• 2026-03-26 Listed $151,000 CARMLS
• 2023-02-06 Sold (Public Records) $157,500 Public Records
• 2023-01-30 Pending — CARMLS
• 2023-01-20 Sold (MLS) $157,500 CARMLS
• 2022-12-05 Contingent — CARMLS
• 2022-12-01 Listed $154,000 CARMLS
• 2015-02-19 Sold (Public Records) $16,900 Public Records
• 2015-02-11 Sold (MLS) $16,900 CARMLS
• 2015-01-12 Listing Removed — CARMLS
• 2014-12-04 Listed $13,900 CARMLS
• 2001-09-13 Sold (Public Records) $60,000 Public Records

Property tax history

+1.0%/yr

Latest (2025): $929 · +0.0% YoY. Source: county tax records.