107 Ogontz · Oak Ridge, TN 37830

$45,000

2 bd · 1.0 ba · 768 sqft · SingleFamily public records · 1 Days on market

Built 1943 0.39 ac lot ↓ 21% since listing

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.9/5.0
• Rent growth +3.3/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

THIS OUTSTANDING HOUSE GETS A+ FOR EVERYTHING! IMMACULATELY CLEAN AND WONDERFULLY MAINTAINED,ABSOLUTE MOVE IN CONDITION.NEWER HVAC,GAS FURNACE 1 YR OLD,INSULATED VINYL WINDOWS,UPDATED KITCHEN W/WALL OVEN,COOKTOP,BAY WINDOW,UPDATED BATH,FRESH PAINT,VINYL SIDING,NEW LIGHT FIXTURES,CEILING FAN,CARPET.ONE CAR GARAGE W/WATER AND ELECTRICITY AND LARGE FLOORED ATTIC FOR STORAGE.BEAUTIFUL BACK-YARD ON GREENBELT FOR ADDED PRIVACY. AN EXCEPTIONAL FIND-DON T MISS THIS ONE.

Key facts

• 0.39 acre lot
• Built 1943

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public sewer
• Home design: Single-family, detached; Entry level information not provided; Facing direction not provided
• Construction: Crawl space basement
• Exterior features: Aluminum siding; Frame construction; Irregular lot

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central cooling
• Interior features: 4 total rooms; Brick fireplace (1)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $45k.

Deal economics

• At list price, monthly cash flow is $917 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $45k).
• Cap rate 30.8% vs local median 3.4% in Oak Ridge — 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 78/100 on livability (#4 in TN, #2,605 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: schools C-, commute F.
• Oak Ridge (suburban): math 34% / reading 37% proficiency, ranked #23 of 139 in TN (top 16%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+3.1%/yr); 189 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); 400 units permitted in Anderson County in 2024 (91 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $311 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.1% rent growth), your $13k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 20y 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

• Watch-outs: built in 1943 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $45,000

Questions for the listing agent

1. Built in 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 3.45% ✓
• Cap rate: 30.75%
• Cash-on-cash: 87.36%
• DSCR: 4.89
• GRM: 2.4

CMA / ARV

• ARV (on-the-fly): $199,680
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 Ogontz	0.00mi	2/1.0	768 (0%)	0mo	$45,000	$59	100
123 Taylor Rd	0.17mi	2/1.0	768 (0%)	15mo	$225,000	$293	79
105 Thornton Rd	0.54mi	2/1.0	768 (0%)	0mo	$196,900	$256	75
136 Georgia Ave	0.40mi	2/1.0	768 (0%)	12mo	$232,500	$303	72
103 Thornton Rd	0.51mi	2/1.0	768 (0%)	8mo	$225,000	$293	70
110 Tabor Rd	0.41mi	2/1.0	768 (0%)	13mo	$172,000	$224	70
101 Temple Rd Rd	0.49mi	2/1.0	768 (0%)	11mo	$200,000	$260	68
430 Delaware Ave	0.34mi	2/1.0	768 (0%)	20mo	$225,000	$293	68
111 Kingsley Rd	0.70mi	2/—	768 (0%)	2mo	$100,000	$130	66

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 · 3.11% rent growth · sell at horizon

5-year hold

• IRR: 88.0%
• Equity multiple: 5.07×
• Total profit: $51,322
• Equity at exit: $6,710

10-year hold

• IRR: 91.1%
• Equity multiple: 10.58×
• Total profit: $120,710
• Equity at exit: $3,891

Cash invested: $12,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Tennessee: 87 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

Methodology + full state rankings →

ZIP-level market 37830

• Home prices YoY: -33.2%
• Rents YoY: 3.1%
• Active inventory: 189
• Price-to-rent: 2.4×

Monthly cashflow live

• Estimated rent: $1,551 high
• Mortgage (P&I): −$236
• Tax from tax record: −$53 /mo · $637/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$326
• Net cashflow: $917

Break-even live

Break-even rent $390

Max offer price $45,000

Occupancy floor 36%

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: $11,250
• Closing costs: $1,350
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
100 E Tennessee Ave Unit 101 Oak Ridge, TN	2.0	1.0	889	$1,575	$1.77	2d	1	0.66mi
82 E Tennessee Ave Oak Ridge, TN	2.0	1.0	710	$1,475	$2.08	2d	5	0.71mi
126 Arkansas Ave Oak Ridge, TN	3.0	1.0	1056	$1,600	$1.52	19d	1	1.06mi
121 Nesper Rd Oak Ridge, TN	2.0	1.0	800	$1,300	$1.62	23d	1	1.30mi
113 Arcadia Ln Unit B Oak Ridge, TN	2.0	1.5	905	$1,500	$1.66	2d	1	1.37mi
101 Elmhurst Dr Oak Ridge, TN	1.0–3.0	1.0–1.5	825	$1,384	$1.68	2d	7	1.46mi

Listing history 2 events

1. 2026-06-03
   remarks 13-char remark
2. 2026-06-03
   listed $45,000 Pending 1 DOM

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

Tax reassessment forecast TN · Resets to sale price

• Current annual tax: $637 · $53/mo
• Projected year-2 tax: $637 · $53/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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥103°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,609
• − Mortgage interest: −$2,521
• − Property taxes: −$637
• − Insurance: −$225
• − Repairs & maintenance: −$1,489
• − Management: −$1,489
• − Depreciation: −$1,309
• Taxable income: $10,940
• Est. tax owed @ 24.0%: −$2,625
• After-tax cash flow: $8,382/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: Oak Ridge
• NCES district ID: 4703240
• Math proficiency: 34% ▼ -3.00%
• Reading proficiency: 37% ▼ -4.00%
• Median HH income: $49,949
• Composite: 30.75/100
• National rank: #6159
• State rank: #23 of 139 in TN

Livability — Oak Ridge

• Score: 78/100
• State rank: #4
• US rank: #2605

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Oak Ridge, TN
• County: Anderson County · 33,038 people
• City population: 33,038
• Metro: Knoxville, TN
• Population (ZIP): 33,038
• Household income: $72,269
• Rent vs Own: 33.9% rent · 66.1% own
• Severe rent burden: 914.0

Population outlook (Anderson County) Hauer SSP2

• Today (2025): 76,963 people
• By 2030: 77,226 · +0.3%
• By 2040: 76,905 · -0.1%
• By 2050: 75,405 · -2.0%
• By 2075: 70,858 · -7.9%
• By 2100: 60,585 · -21.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Two or more races 7% Hispanic / Latino 6% Black 6% Asian 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Serbian 3% Slovak 3% Italian 3%
• Foreign-born: 6% · Canada, China, South Korea
• Languages at home: 91% English-only · Spanish 5% Chinese 1% German/W. Germanic 1%

Political lean MEDSL · Anderson

• 2024 margin: Solid R (+35.7) · D 31.5% · R 67.3% · Other 1.2%
• 2008→2024 swing: -9.5pp toward R · 2008: -26.2pp · 2024: -35.7pp
• All cycles: 2024: R+35.7 2020: R+32.2 2016: R+34.3 2012: R+29.8 2008: R+26.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -160.89%
• Current HPI: 323.0396
• Rent YoY: ▲ 3.11%
• Metro: Knoxville, TN
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

Industry mix (Fortune 500 HQ in TN)

Industry	F500 HQs	Revenue
▸Healthcare	3	$91B
▸Retail	3	$72B
▸Transportation / Logistics	1	$88B
▸Paper / Packaging	1	$19B
▸Insurance	1	$13B
▸Energy	1	$12B

Price history

-20.9% since first listed

5 events — show timeline

• 2026-06-03 Pending — Knoxville MLS
• 2026-06-03 Listed $45,000 Knoxville MLS
• 2006-06-22 Sold (MLS) $84,500 Knoxville MLS
• 2006-05-26 Listed $87,900 Knoxville MLS
• 1998-05-21 Sold (Public Records) $56,900 Public Records

Property tax history

-2.8%/yr

Latest (2025): $637 · +25.4% YoY. Source: county tax records.