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314 W Church St
F Composite 33.6
Why this score? — see what drove the F 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 +8.5/30.0
  • ARV discount +8.5/15.0
  • Livability +3.4/5.0
  • Schools +3.2/10.0
  • 1% rule +2.6/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • DSCR +2.3/10.0
  • Appreciation +0.0/10.0

$154,000

314 W Church St · Sheridan, AR 72150
3 bd · 1.0 ba · 1,066 sqft · SingleFamily public records · 2 Days on market
0.32 ac lot $144/sqft · 13% above area Est $158k · at est.

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Adorable home located in town. This property has so many perks. Remodeled and updated less than 5 years ago, outdoor fenced area for your dogs, covered parking and so much more! Call today for a showing.

Key facts

  • Move-in ready
  • Recent updates
  • Local schools

Tags

DOWNTOWN SHERIDANLOCAL SCHOOLSRESTAURANTSSHOPPINGRECENT UPDATESMOVE-IN READY

Property features AI

Finance

  • HOA & community: No-fee area amenities

Exterior

  • Parking: Carport
  • Utilities: Public sewer; Public water; Municipal electric (Entergy); Natural gas
  • Home design: Brick and metal/vinyl siding exterior
  • Construction: Crawl space foundation; Architectural shingle roof
  • Exterior features: Front porch; Fully fenced yard; Wood fence; Level lot; Paved road access; Located inside city limits

Interior

  • Kitchen: Free-standing stove; Gas range; Dishwasher
  • Flooring: Carpet; Luxury vinyl
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Central gas heating; Central gas cooling
  • Interior features: Washer connection; Gas water heater; Ceiling fans; Walk-in shower; Sheetrock walls/ceilings
  • Laundry & utility: Laundry room

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $154k.

Deal economics

  • At list price, monthly cash flow is $-135 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $134k (12.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $118k (23.6% below list).
  • Recommended offer: $118k (23.6% below list) — sets the bar for 1% rule.
  • Cap rate 5.2% vs local median 3.7% in Sheridan — 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 68/100 on livability (#85 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: employment C-, crime D, amenities F.
  • Sheridan School District (town): math 36% / reading 38% proficiency, ranked #89 of 238 in AR (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Sheridan Elementary School (596 students, 47% FRL); Sheridan Middle School (math 40% / reading 44%, grade D-, #78 of 201 statewide, top 40%, 609 students, 42% FRL); Sheridan High School (math 26% / reading 36%, grade F, #131 of 292 statewide, top 45%, 1,271 students, 35% FRL) — zoned schools at 41% FRL track the district average.
  • Market conditions: 142 active listings in the ZIP; 28 units permitted in Grant 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 $5k of value loss. Plan a longer hold.
  • Grant County population projected to shrink 3% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

  • Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
  • 6 sale attempts since 11y 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.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $117,625 (23.6% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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?
  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
0.76%
Cap rate
5.24%
Cash-on-cash
-3.76%
DSCR
0.83
GRM
10.9

CMA / ARV

ARV (median comp)
$157,588
List price
$154,000
Delta
-2.28%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 11 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
801 N Arch St 0.35mi 2/2.0 (-1) 1,092 (+2%) 0mo $160,000 $147 71
220 W Vine 0.16mi 2/1.0 (-1) 1,036 (-3%) 19mo $124,900 $121 67
106 E Mockingbird Ln 0.55mi 3/1.5 1,050 (-2%) 5mo $129,900 $124 66
501 N Main St 0.25mi 3/2.0 1,200 (+13%) 14mo $181,000 $151 52
701 N Rose 0.27mi 2/1.0 (-1) 912 (-14%) 9mo $20,000 $22 51
206 E Gum St 0.48mi 2/1.0 (-1) 980 (-8%) 11mo $117,500 $120 50
222 W 8th 0.35mi 2/1.0 (-1) 928 (-13%) 10mo $93,500 $101 49
10 Robin Ln 0.64mi 3/1.0 1,008 (-5%) 15mo $135,000 $134 49
8 Jaki Ln 0.52mi 3/2.0 1,129 (+6%) 20mo $169,900 $150 45
117 S Briarwood 0.65mi 3/1.0 1,202 (+13%) 8mo $168,000 $140 42
36 Ridgeway Dr 0.59mi 3/2.0 1,220 (+14%) 11mo $185,000 $152 35

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
-22.6%
Equity multiple
0.22×
Total profit
$-33,536
Equity at exit
$22,962
10-year hold
IRR
-16.8%
Equity multiple
0.07×
Total profit
$-40,204
Equity at exit
$13,315

Cash invested: $43,120 (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.

ZIP-level market 72150

Home prices YoY
-18.1%
Active inventory
142
Price-to-rent
10.9×

Monthly cashflow live

Estimated rent
$1,176 medium interval (Pro) →
Mortgage (P&I)
$808
Tax est. 1.5%
$192 /mo · $2,310/yr
Insurance
$64
HOA
$0
Vacancy / Maint / Mgmt
$247
Net cashflow
$-135

Break-even live

Break-even rent $1,347
Max offer price $134,462
Occupancy floor

Sensitivity live

Price -10% $-29 -5% $-82 +0% $-135 +5% $-188 +10% $-241
Rent -10% $-228 -5% $-181 +0% $-135 +5% $-89 +10% $-42
Rate -1.0pp $-57 -0.5pp $-96 base $-135 +0.5pp $-175 +1.0pp $-216

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
$38,500
Closing costs
$4,620
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 24 events

  1. 2026-05-17
    status Under Contract 350-char remark
  2. 2026-05-15
    listed $154,000 New Listing 350-char remark
  3. 2022-12-07
    soldstatus $130,000
  4. 2022-11-30
    soldstatus $130,000 Sold 203-char remark
    Show marketing remark (203 chars)

    Adorable home located in town. This property has so many perks. Remodeled and updated less than 5 years ago, outdoor fenced area for your dogs, covered parking and so much more! Call today for a showing.

  5. 2022-11-07
    status Under Contract 203-char remark
    Show marketing remark (203 chars)

    Adorable home located in town. This property has so many perks. Remodeled and updated less than 5 years ago, outdoor fenced area for your dogs, covered parking and so much more! Call today for a showing.

  6. 2022-10-31
    listed $134,900 New Listing 203-char remark
    Show marketing remark (203 chars)

    Adorable home located in town. This property has so many perks. Remodeled and updated less than 5 years ago, outdoor fenced area for your dogs, covered parking and so much more! Call today for a showing.

  7. 2021-02-13
    price $112,000
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  8. 2021-02-13
    price $114,000
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  9. 2021-02-12
    historical
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  10. 2021-02-12
    status Price Change
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  11. 2021-02-12
    soldstatus $114,000 Sold
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  12. 2021-01-26
    historical
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  13. 2021-01-05
    status Under Contract
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  14. 2020-12-30
    historical Take Backups
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  15. 2020-12-28
    listed $112,000 New Listing
    Show marketing remark (421 chars)

    Such a cute affordable home in Sheridan * fenced area for kids and doggies * this home was remolded 4 years ago and had new wiring, new plumbing, new sheetrock, new light fixtures, new plumbing fixtures, new appliances, new flooring, fresh paint, new siding, new shower, professionally leveled and insulation added then * lots of can lighting * electric fireplace * in great condition * storage building does not convey *

  16. 2017-02-03
    historical
  17. 2016-09-16
    listed $99,900 New Listing
  18. 2016-01-29
    soldstatus $32,555 Sold
  19. 2016-01-07
    status Under Contract
  20. 2015-12-30
    price $32,555
  21. 2015-11-19
    price $34,468
  22. 2015-10-14
    price $36,900
  23. 2015-09-02
    listed $38,296 New Listing
  24. 2009-02-25
    soldstatus $50,000

ⓘ 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 4/10 Moderate
  • 🌡 Heat 7/10 Severe 7 d/yr ≥110°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 19% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$14,115
− Mortgage interest
−$8,626
− Property taxes
−$2,310
− Insurance
−$770
− Repairs & maintenance
−$1,129
− Management
−$1,129
− Depreciation
−$4,480
Taxable loss
−$4,330
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,039
After-tax cash flow
$-581/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
Sheridan School District
NCES district ID
0500015
Math proficiency
36% ▼ -16.00%
Reading proficiency
38% ▼ -9.00%
Median HH income
$49,974
Composite
32.0/100
National rank
#5831
State rank
#89 of 238 in AR

Livability — Sheridan

Score
68/100
State rank
#85
US rank
#9469

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Sheridan, AR
City population
12,476
Population (ZIP)
12,476

Population outlook (Grant County) Hauer SSP2

Today (2025)
18,477 people
By 2030
18,551 · +0.4%
By 2040
18,442 · -0.2%
By 2050
17,901 · -3.1%
By 2075
16,240 · -12.1%
By 2100
13,761 · -25.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (91%)
Race & ethnicity
White 91% Two or more races 5% Hispanic / Latino 3% Black 2%
Common ancestry
Lithuanian 1% Iranian 1% Serbian 1%
Foreign-born
1% · Canada, China
Languages at home
99% English-only · Spanish 1%

Political lean MEDSL · Grant

2024 margin
Solid R (+68.9) · D 14.8% · R 83.6% · Other 1.6%
2008→2024 swing
-17.9pp toward R · 2008: -51.0pp · 2024: -68.9pp
All cycles
2024: R+68.9 2020: R+67.4 2016: R+54.7 2012: R+51.9 2008: R+51.0

Not yet ingested

Civics

Market trends

HPI YoY
▼ -37.06%
Current HPI
167.1638
Rent YoY
Metro
State GDP YoY
▲ 3.80%
F500 in state
10

Industry mix (Fortune 500 HQ in AR)

Industry F500 HQs Revenue

Price history

+205.0% since first listed
25 events — show timeline
  • 2026-06-16 Sold (MLS) $152,500 CARMLS
  • 2026-05-17 Pending CARMLS
  • 2026-05-15 Listed $154,000 CARMLS
  • 2022-12-07 Sold (Public Records) $130,000 Public Records
  • 2022-11-30 Sold (MLS) $130,000 CARMLS
  • 2022-11-07 Pending CARMLS
  • 2022-10-31 Listed $134,900 CARMLS
  • 2021-02-13 Price Changed $112,000 CARMLS
  • 2021-02-13 Price Changed $114,000 CARMLS
  • 2021-02-12 Listing Removed CARMLS
  • 2021-02-12 Relisted CARMLS
  • 2021-02-12 Sold (MLS) $114,000 CARMLS
  • 2021-01-26 Listing Removed CARMLS
  • 2021-01-05 Pending CARMLS
  • 2020-12-30 Contingent CARMLS
  • 2020-12-28 Listed $112,000 CARMLS
  • 2017-02-03 Listing Removed CARMLS
  • 2016-09-16 Listed $99,900 CARMLS
  • 2016-01-29 Sold (MLS) $32,555 CARMLS
  • 2016-01-07 Pending CARMLS
  • 2015-12-30 Price Changed $32,555 CARMLS
  • 2015-11-19 Price Changed $34,468 CARMLS
  • 2015-10-14 Price Changed $36,900 CARMLS
  • 2015-09-02 Listed $38,296 CARMLS
  • 2009-02-25 Sold (Public Records) $50,000 Public Records

Property tax history

-12.4%/yr

Latest (2025): $90 · -43.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…