2305 W Ruthrauff Rd · Flowing Wells, AZ 85705

$99,000

3 bd · 2.0 ba · 1,344 sqft · Land · 241 Days on market

Built 1985 8,000 sqft lot $74/sqft · 56% below area

---

Why this score? — see what drove the B- 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.7/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Schools +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully remodeled 3-bed, 2-bath home in the highly desirable Bella Capri 55+ gated community Lot # I9. This sale is for the mobile home only—home is located on leased land. Enjoy brand-new updates throughout including a new roof, AC, dual-pane windows, flooring, kitchen and bath cabinets, countertops, paint, skirting, and fully remodeled bathrooms. Bella Capri offers resort-style amenities including a pool, spa, clubhouse, billiards, shuffleboard, laundry facilities, and planned social events—all within a friendly, active neighborhood. With wide paved streets, off-street parking, and a prime Tucson location near shopping, dining, and golf, this community provides both comfort and convenience. Seller financing available!

Key facts

• Remodeled
• Dual-pane windows
• New flooring

Tags

• REMODELED
• NEW ROOF
• NEW AC
• DUAL-PANE WINDOWS
• NEW FLOORING
• NEW KITCHEN CABINETS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $99k.

Deal economics

• At list price, monthly cash flow is $702 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $99k).
• Recommended offer: $87k (12.0% below list) — sets the bar for market timing.
• Cap rate 14.8% vs local median 6.1% in Flowing Wells — 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 73/100 on livability (#21 in AZ) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, health & safety A+; Watch: schools D+, crime F, amenities F.
• Flowing Wells Unified District (4405) (suburban): math 23% / reading 30% proficiency, ranked #143 of 249 in AZ (top 57%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 177 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 5,268 units permitted in Pima County in 2024 (996 in 5+ unit buildings).
• At $1,755/mo this rent would consume 57% of the median local household income ($37k/yr) (locally 4240% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Pima County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 0.3% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 241 days — a 12% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 7y ago; this cycle's ask has dropped $26k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 6→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,120 (12.0% below list)

Questions for the listing agent

1. It's been on market 241 days. Have you received any prior offers? Is the seller open to a 12% 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 D-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 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. 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: 1.77% ✓
• Cap rate: 14.80%
• Cash-on-cash: 30.39%
• DSCR: 2.35
• GRM: 4.7

CMA / ARV

• ARV (median comp): $226,307
• List price: $99,000
• Delta: -56.25%
• Verdict: UNDERPRICED
• Comps: 11 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.3% rent growth · sell at horizon

5-year hold

• IRR: 22.0%
• Equity multiple: 1.87×
• Total profit: $24,052
• Equity at exit: $14,761

10-year hold

• IRR: 28.2%
• Equity multiple: 3.19×
• Total profit: $60,577
• Equity at exit: $8,560

Cash invested: $27,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Arizona: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

Methodology + full state rankings →

ZIP-level market 85705

• Rents YoY: 0.3%
• Active inventory: 177
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,755 high
• Mortgage (P&I): −$519
• Tax est. 1.5%: −$124 /mo · $1,485/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $702

Break-even live

Break-even rent $866

Max offer price $99,000

Occupancy floor 55%

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4861 N River Vista Dr Tucson, AZ	3.0	2.0	1144	$1,500	$1.31	3d	1	0.66mi
2001 W La Osa Dr Tucson, AZ	4.0	2.0	1866	$2,045	$1.10	43d	1	0.74mi
1925 W River Rd Tucson, AZ	1.0–3.0	1.0–2.0	1049	$2,076	$1.98	1d	32	0.96mi
5132 Prairie Clover Trl Tucson, AZ	3.0–4.0	2.0–2.5	1604	$1,897	$1.18	1d	13	1.03mi
5416 N Bramble Brook Ln Tucson, AZ	3.0	2.0	1483	$1,850	$1.25	3d	1	1.09mi
5077 N Fortune Teller Way Tucson, AZ	3.0	2.5	1370	$1,875	$1.37	17d	1	1.15mi
5021 N Kevy Pl Tucson, AZ	3.0	2.0	1350	$1,650	$1.22	43d	1	1.25mi
2774 W Firebrook Rd Tucson, AZ	2.0	2.0	1066	$1,550	$1.45	3d	1	1.30mi
2531 W Glenbrook Way Tucson, AZ	2.0	2.0	1066	$1,795	$1.68	43d	1	1.31mi
4751 N Flowing Wells Rd Tucson, AZ	3.0	3.0	1500	$1,500	$1.00	43d	1	1.38mi
2356 W Ian Pl Tucson, AZ	3.0	2.0	1595	$2,200	$1.38	1d	1	1.39mi
5841 N Belbrook Dr Tucson, AZ	3.0	2.5	1619	$2,200	$1.36	16d	1	1.40mi
5750 N La Cholla Blvd Tucson, AZ	2.0–3.0	2.0	1453	$2,172	$1.49	1d	11	1.41mi

Listing history 27 events

1. 2026-06-18
   days on market $99,000 Active 241 DOM
2. 2026-06-17
   days on market $99,000 Active 240 DOM
3. 2026-06-16
   days on market $99,000 Active 239 DOM
4. 2026-06-15
   days on market $99,000 Active 238 DOM
5. 2026-06-13
   days on market $99,000 Active 236 DOM
6. 2026-06-10
   days on market $99,000 Active 233 DOM
7. 2026-06-09
   days on market $99,000 Active 232 DOM
8. 2026-06-08
   days on market $99,000 Active 231 DOM
9. 2026-06-07
   days on market $99,000 Active 230 DOM
10. 2026-06-05
    days on market $99,000 Active 227 DOM
11. 2026-06-03
    days on market $99,000 Active 226 DOM
12. 2026-06-02
    days on market $99,000 Active 225 DOM
13. 2026-06-01
    days on market $99,000 Active 224 DOM
14. 2026-05-31
    days on market $99,000 Active 223 DOM
15. 2026-01-22
    price $99,000 746-char remark

    Show marketing remark (746 chars)

    Beautifully remodeled 3-bed, 2-bath home in the highly desirable Bella Capri 55+ gated community Lot # I9. This sale is for the mobile home only—home is located on leased land. Enjoy brand-new updates throughout including a new roof, AC, dual-pane windows, flooring, kitchen and bath cabinets, countertops, paint, skirting, and fully remodeled bathrooms. Bella Capri offers resort-style amenities including a pool, spa, clubhouse, billiards, shuffleboard, laundry facilities, and planned social events—all within a friendly, active neighborhood. With wide paved streets, off-street parking, and a prime Tucson location near shopping, dining, and golf, this community provides both comfort and convenience. Seller financing available!

16. 2025-10-20
    listed $124,999 Active 746-char remark

    Show marketing remark (746 chars)

    Beautifully remodeled 3-bed, 2-bath home in the highly desirable Bella Capri 55+ gated community Lot # I9. This sale is for the mobile home only—home is located on leased land. Enjoy brand-new updates throughout including a new roof, AC, dual-pane windows, flooring, kitchen and bath cabinets, countertops, paint, skirting, and fully remodeled bathrooms. Bella Capri offers resort-style amenities including a pool, spa, clubhouse, billiards, shuffleboard, laundry facilities, and planned social events—all within a friendly, active neighborhood. With wide paved streets, off-street parking, and a prime Tucson location near shopping, dining, and golf, this community provides both comfort and convenience. Seller financing available!

17. 2023-04-14
    historical
18. 2023-03-29
    historical
19. 2023-03-11
    price $49,900
20. 2023-02-13
    status Active
21. 2023-02-03
    status Pending
22. 2023-02-01
    price $56,000
23. 2023-01-23
    listed $52,000 Active
24. 2023-01-09
    listed $56,500 Active
25. 2019-08-14
    soldstatus $18,500,000
26. 2019-03-11
    historical
27. 2019-01-09
    listed $68,655 Active

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 6 d/yr ≥107°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,055
• − Mortgage interest: −$5,546
• − Property taxes: −$1,485
• − Insurance: −$495
• − Repairs & maintenance: −$1,684
• − Management: −$1,684
• − Depreciation: −$2,880
• Taxable income: $7,281
• Est. tax owed @ 24.0%: −$1,747
• After-tax cash flow: $6,676/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: Flowing Wells Unified District (4405)
• NCES district ID: 0403010
• Math proficiency: 23% ▼ -19.00%
• Reading proficiency: 30% ▼ -14.00%
• Median HH income: $33,361
• Composite: 21.69/100
• National rank: #8271
• State rank: #143 of 249 in AZ

Livability — Flowing Wells

• Score: 73/100
• State rank: #21
• US rank: #5288

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Flowing Wells, AZ
• County: Pima County · 1,012,107 people
• Metro: Tucson, AZ
• Population (ZIP): 54,700
• Household income: $37,194
• Rent vs Own: 55.1% rent · 44.9% own
• Severe rent burden: 4240.0

Population outlook (Pima County) Hauer SSP2

• Today (2025): 1,066,056 people
• By 2030: 1,086,684 · +1.9%
• By 2040: 1,117,160 · +4.8%
• By 2050: 1,149,778 · +7.9%
• By 2075: 1,271,480 · +19.3%
• By 2100: 1,321,160 · +23.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: Hispanic / Latino 45% White 41% Two or more races 18% Asian 4% Black 3% Native American 3%
• Hispanic origin (detail): Mexican 41%
• Common ancestry: Portuguese 2% Romanian 2% Lithuanian 2%
• Foreign-born: 18% · Canada, China, Vietnam
• Languages at home: 65% English-only · Spanish 30% Chinese 1% Vietnamese 1%

Political lean MEDSL · Pima

• 2024 margin: D (+15.2) · D 57.0% · R 41.8% · Other 1.2%
• 2008→2024 swing: +9.1pp toward D · 2008: 6.1pp · 2024: 15.2pp
• All cycles: 2024: D+15.2 2020: D+18.7 2016: D+13.5 2012: D+5.8 2008: D+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -163.31%
• Current HPI: 283.0647
• Rent YoY: ▲ 0.30%
• Metro: Tucson, AZ
• State GDP YoY: ▲ 4.54%
• F500 in state: 20

Industry mix (Fortune 500 HQ in AZ)

Industry	F500 HQs	Revenue
▸Technology	2	$13B
▸Mining / Metals	1	$23B
▸Environmental Services	1	$16B
▸Metals / Steel	1	$14B
▸Technology Distribution	1	$9B
▸Homebuilding	1	$8B

Price history

+44.2% since first listed

13 events — show timeline

• 2026-01-22 Price Changed $99,000 MLSSAZ
• 2025-10-20 Listed $124,999 MLSSAZ
• 2023-04-14 Listing Removed — ARMLS
• 2023-03-29 Listing Removed — ARMLS
• 2023-03-11 Price Changed $49,900 ARMLS
• 2023-02-13 Relisted — ARMLS
• 2023-02-03 Pending — ARMLS
• 2023-02-01 Price Changed $56,000 ARMLS
• 2023-01-23 Listed $52,000 ARMLS
• 2023-01-09 Listed $56,500 ARMLS
• 2019-08-14 Sold (Public Records) $18,500,000 Public Records
• 2019-03-11 Listing Removed — MLSSAZ
• 2019-01-09 Listed $68,655 MLSSAZ

Property tax history

+2.1%/yr

Latest (2025): $15,595 · +4.4% YoY. Source: county tax records.