7632 Highway 125 · Diamond City, AR 72668

$89,900

1 bd · 1.5 ba · 1,144 sqft · SingleFamily public records · 212 Days on market

1.08 ac lot $79/sqft · 39% above area Est $143k · 37% under

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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 +24.2/30.0
• ARV discount +15.0/15.0
• DSCR +7.8/10.0
• 1% rule +5.5/10.0
• Appreciation +4.9/10.0
• Livability +3.4/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Explore the untapped potential of this 1 bedroom, 1 bath home, with extra room that can be converted to a bedroom complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both being sold together as is .

Key facts

• 1.08 acre lot
• Listed 211 days

Tags

• RECENT LIGHT REMODELING
• WATER AND ELECTRIC AMENITIES
• CAFE EQUIPPED WITH HEAT
• CAFE EQUIPPED WITH AIR

What this means for you Summary

Snapshot

• This is a 1-bed/1.5-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $179 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($941 rent vs $90k).
• Recommended offer: $79k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.7% vs local median 2.4% in Diamond City — 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 67/100 on livability (#107 in AR) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Yellville-Summit School District (rural): math 41% / reading 37% proficiency, ranked #90 of 238 in AR (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 33 active listings in the ZIP; 237 units permitted in Marion County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $424 of equity ($622 loan paydown + $-198 appreciation (-0.2% local appreciation)).
• Marion County population projected at -24% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.2% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 212 days — a 12% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago; this cycle's ask has dropped $80k (47%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $79,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 212 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 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: 1.05% ✓
• Cap rate: 8.68%
• Cash-on-cash: 8.52%
• DSCR: 1.38
• GRM: 8.0

CMA / ARV

• ARV (median comp): $142,990
• List price: $89,900
• Delta: -37.13%
• Verdict: UNDERPRICED
• Comps: 2 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
232 Cotton Ln	0.02mi	2/1.0 (+1)	1,200 (+5%)	20mo	$117,500	$98	67

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

Projected returns pro-forma

-0.22% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.6%
• Equity multiple: 1.31×
• Total profit: $7,805
• Equity at exit: $25,117

10-year hold

• IRR: 12.0%
• Equity multiple: 2.28×
• Total profit: $32,127
• Equity at exit: $29,414

Cash invested: $25,172 (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 72668

• Home prices YoY: -0.1%
• Active inventory: 33
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $941 medium
• Mortgage (P&I): −$471
• Tax from tax record: −$56 /mo · $671/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$198
• Net cashflow: $179

Break-even live

Break-even rent $715

Max offer price $89,900

Occupancy floor 76%

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Listing history 31 events

1. 2026-06-19
   days on market $89,900 Active 212 DOM
2. 2026-06-18
   days on market $89,900 Active 211 DOM
3. 2026-06-17
   days on market $89,900 Active 210 DOM
4. 2026-06-16
   days on market $89,900 Active 209 DOM
5. 2026-06-15
   days on market $89,900 Active 208 DOM
6. 2026-06-14
   days on market $89,900 Active 206 DOM
7. 2026-06-12
   days on market $89,900 Active 205 DOM
8. 2026-06-09
   days on market $89,900 Active 202 DOM
9. 2026-06-08
   days on market $89,900 Active 201 DOM
10. 2026-06-07
    days on market $89,900 Active 200 DOM
11. 2026-06-07
    days on market $89,900 Active 199 DOM
12. 2026-06-04
    days on market $89,900 Active 196 DOM
13. 2026-06-02
    days on market $89,900 Active 195 DOM
14. 2026-06-01
    days on market $89,900 Active 194 DOM
15. 2026-05-31
    days on market $89,900 Active 193 DOM
16. 2026-05-31
    days on market $89,900 Active 192 DOM
17. 2026-04-14
    price $89,900 828-char remark

    Show marketing remark (805 chars)

    Explore the untapped potential of this 1 bedroom, 1 bath home, complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both are being sold AS IS together Call or Txt for Details.

18. 2026-04-14
    price $89,900 805-char remark

    Show marketing remark (805 chars)

    Explore the untapped potential of this 1 bedroom, 1 bath home, complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both are being sold AS IS together Call or Txt for Details.

19. 2026-03-10
    price $109,999 828-char remark

    Show marketing remark (805 chars)

    Explore the untapped potential of this 1 bedroom, 1 bath home, complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both are being sold AS IS together Call or Txt for Details.

20. 2026-03-10
    price $109,999 805-char remark

    Show marketing remark (805 chars)

    Explore the untapped potential of this 1 bedroom, 1 bath home, complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both are being sold AS IS together Call or Txt for Details.

21. 2026-02-19
    price $139,900 828-char remark

    Show marketing remark (805 chars)

    Explore the untapped potential of this 1 bedroom, 1 bath home, complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both are being sold AS IS together Call or Txt for Details.

22. 2026-02-19
    price $139,900 805-char remark

    Show marketing remark (805 chars)

    Explore the untapped potential of this 1 bedroom, 1 bath home, complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both are being sold AS IS together Call or Txt for Details.

23. 2025-11-19
    listed $169,900 Active 828-char remark

    Show marketing remark (805 chars)

    Explore the untapped potential of this 1 bedroom, 1 bath home, complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both are being sold AS IS together Call or Txt for Details.

24. 2025-11-19
    listed $169,900 Active 805-char remark

    Show marketing remark (805 chars)

    Explore the untapped potential of this 1 bedroom, 1 bath home, complemented by an adjacent building primed for rental or new business ventures, potentially reviving a charming Cafe. Home Recently updated with new paint vinyl siding and gutters, the home boasts recent light remodeling while the Cafe structure awaits a transformation. Strategically positioned by a bustling highway leading to a ferry terminal, this property presents unparalleled opportunities and a promising future for savvy investors. The house includes water and electric amenities, requiring a propane heater, while the Cafe is equipped with heat, air, and water systems. Elevate your real estate portfolio with this dynamic investment showcasing limitless possibilities. Both are being sold AS IS together Call or Txt for Details.

25. 2025-04-24
    price $69,999
26. 2024-12-23
    price $169,900
27. 2024-09-12
    price $189,900
28. 2023-12-19
    soldstatus $87,500
29. 2015-05-07
    soldstatus $55,000
30. 2015-04-20
    soldstatus $54,400
31. 2014-11-01
    listed $65,000

ⓘ 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: $671 · $56/mo
• Projected year-2 tax: $671 · $56/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 · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 4/10 Moderate
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,295
• − Mortgage interest: −$5,036
• − Property taxes: −$671
• − Insurance: −$450
• − Repairs & maintenance: −$904
• − Management: −$904
• − Depreciation: −$2,615
• Taxable income: $716
• Est. tax owed @ 24.0%: −$172
• After-tax cash flow: $1,973/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: Yellville-Summit School District
• NCES district ID: 0514490
• Math proficiency: 41% ▼ -5.00%
• Reading proficiency: 37% ▼ -2.00%
• Median HH income: $32,234
• Composite: 31.99/100
• National rank: #5834
• State rank: #90 of 238 in AR

Livability — Diamond City

• Score: 67/100
• State rank: #107
• US rank: #10788

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

• City population: 123
• Population (ZIP): 627

Population outlook (Marion County) Hauer SSP2

• Today (2025): 14,979 people
• By 2030: 14,153 · -5.5%
• By 2040: 12,546 · -16.2%
• By 2050: 11,386 · -24.0%
• By 2075: 9,663 · -35.5%
• By 2100: 8,248 · -44.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 11%
• Common ancestry: Iranian 33% Lithuanian 14%
• Languages at home: 98% English-only · French/Haitian/Cajun 2%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+60.2) · D 19.1% · R 79.3% · Other 1.5%
• 2008→2024 swing: -30.3pp toward R · 2008: -29.9pp · 2024: -60.2pp
• All cycles: 2024: R+60.2 2020: R+56.7 2016: R+55.1 2012: R+39.1 2008: R+29.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.22%
• Current HPI: 166.714
• 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

+38.3% since first listed

15 events — show timeline

• 2026-04-14 Price Changed $89,900 SOMO
• 2026-04-14 Price Changed $89,900 NWARMLS
• 2026-03-10 Price Changed $109,999 SOMO
• 2026-03-10 Price Changed $109,999 NWARMLS
• 2026-02-19 Price Changed $139,900 SOMO
• 2026-02-19 Price Changed $139,900 NWARMLS
• 2025-11-19 Listed $169,900 NWARMLS
• 2025-11-19 Listed $169,900 SOMO
• 2025-04-24 Price Changed $69,999 NWARMLS
• 2024-12-23 Price Changed $169,900 NWARMLS
• 2024-09-12 Price Changed $189,900 NWARMLS
• 2023-12-19 Sold (Public Records) $87,500 Public Records
• 2015-05-07 Sold (Public Records) $55,000 Public Records
• 2015-04-20 Sold (MLS) $54,400 NWARMLS
• 2014-11-01 Listed $65,000 NWARMLS

Property tax history

+1.5%/yr

Latest (2025): $671 · +0.0% YoY. Source: county tax records.