124 Country Side Ln · Winston, OR
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 8/10 · Major
- Est. fire insurance / yr
- $498 – $926
Heat risk 5/10 · Moderate
- Hot days now (above 95°F)
- 8 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 9/10 · Severe
- Unhealthy air days now
- 10 days/yr
- Unhealthy air days in 30 yrs
- 11 days/yr
Risk factors via First Street. Map © Google.
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 +3.3/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Schools +2.0/10.0
- Appreciation +0.0/10.0
$70,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome home to this charming home located in a beautifully maintained 55+ community! With 3 bedrooms, 2 baths, and 1,296 sq. ft. of inviting living space, this home features vaulted ceilings, a bright open layout, and a manicured corner lot. The walk-through kitchen includes a breakfast bar, built-in microwave, stove, refrigerator, and a brand-new dishwasher. The spacious primary suite offers double sinks, a relaxing soaking tub, and a separate shower. Enjoy morning coffee or evening sunsets from the covered decks at both the front and back. A concrete driveway and storage shed add convenience, and the washer and dryer are included. Space rent covers water, sewer, and garbage—easy living at its best!
Key facts
- Covered decks
- Walk-through kitchen
- Manicured corner lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath manufactured listed at $70k.
Deal economics
- At list price, monthly cash flow is $1k ($13k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $70k).
- Recommended offer: $62k (12.0% below list) — sets the bar for market timing.
- Cap rate 24.5% vs local median 2.7% in Winston — 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 66/100 on livability (#185 in OR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D+, schools F, amenities F.
- Winston-Dillard SD 116 (rural): math 18% / reading 29% proficiency, ranked #56 of 58 in OR (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Market conditions: 76 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 190 units permitted in Douglas County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $484 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
- Douglas County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
- At projected returns (-3.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.
Negotiation context
- It's been on market 249 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts since 11y ago; this cycle's ask has dropped $30k (30%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $35k; list at $70k implies a 100% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Climate carrying-cost: severe wildfire risk; extreme-heat days projected 8→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 249 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 2.71% ✓
- Cap rate
- 24.47%
- Cash-on-cash
- 64.91%
- DSCR
- 3.89
- GRM
- 3.1
CMA / ARV
- ARV (median comp)
- $185,916
- List price
- $70,000
- Delta
- -62.35%
- Verdict
- UNDERPRICED
- Comps
- 7 within 1.0 mi
Show comp detail 5 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 112 SE Twin Oaks Loop | 0.13mi | 3/2.0 | 1,296 (0%) | 3mo | $132,500 | $102 | 92 |
| 241 Twin Oaks Loop | 0.13mi | 3/2.0 | 1,296 (0%) | 4mo | $85,000 | $66 | 90 |
| 891 SE Meadowood Dr | 0.09mi | 3/2.0 | 1,188 (-8%) | 18mo | $200,000 | $168 | 67 |
| 751 SE Meadowood Dr | 0.16mi | 2/2.0 (-1) | 1,120 (-14%) | 0mo | $190,000 | $170 | 65 |
| 81 SE Edwards Ave | 0.70mi | 3/2.0 | 1,296 (0%) | 23mo | $305,000 | $235 | 48 |
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
- IRR
- 64.1%
- Equity multiple
- 3.87×
- Total profit
- $56,183
- Equity at exit
- $10,437
- IRR
- 68.5%
- Equity multiple
- 7.93×
- Total profit
- $135,879
- Equity at exit
- $6,052
Cash invested: $19,600 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 28 Tenant-Leaning
- State Oregon
- 28 Tenant-Leaning · D+6
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 97496
- Home prices YoY
- -15.0%
- Active inventory
- 76
- Price-to-rent
- 3.1×
Monthly cashflow live
- Estimated rent
- $1,900 medium interval (Pro) →
- Mortgage (P&I)
- −$367
- Tax from tax record
- −$45 /mo · $535/yr
- Insurance
- −$29
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$399
- Net cashflow
- $1,060
Break-even live
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
- $17,500
- Closing costs
- $2,100
- 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.
Rent comps 1 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 133 Rolling Hills Rd Roseburg, OR | 3.0 | 2.0 | 1196 | $1,900 | $1.59 | 43d | 1 | 1.42mi |
Listing history 26 events
-
2026-06-19days on market $70,000 Active 249 DOM
-
2026-06-18days on market $70,000 Active 248 DOM
-
2026-06-17days on market $70,000 Active 247 DOM
-
2026-06-16days on market $70,000 Active 246 DOM
-
2026-06-15days on market $70,000 Active 245 DOM
-
2026-06-14days on market $70,000 Active 243 DOM
-
2026-06-12days on market $70,000 Active 242 DOM
-
2026-06-09days on market $70,000 Active 239 DOM
-
2026-06-08days on market $70,000 Active 238 DOM
-
2026-06-07pricedays on market $70,000 Active 237 DOM
-
2026-06-02days on market $90,000 Active 232 DOM
-
2026-06-01days on market $90,000 Active 231 DOM
-
2026-05-31days on market $90,000 Active 230 DOM
-
2026-05-30days on market $90,000 Active 229 DOM
-
2026-04-13status Active 716-char remark
Show marketing remark (716 chars)
Welcome home to this charming home located in a beautifully maintained 55+ community! With 3 bedrooms, 2 baths, and 1,296 sq. ft. of inviting living space, this home features vaulted ceilings, a bright open layout, and a manicured corner lot. The walk-through kitchen includes a breakfast bar, built-in microwave, stove, refrigerator, and a brand-new dishwasher. The spacious primary suite offers double sinks, a relaxing soaking tub, and a separate shower. Enjoy morning coffee or evening sunsets from the covered decks at both the front and back. A concrete driveway and storage shed add convenience, and the washer and dryer are included. Space rent covers water, sewer, and garbage—easy living at its best!
-
2026-02-04price $90,000 716-char remark
Show marketing remark (716 chars)
Welcome home to this charming home located in a beautifully maintained 55+ community! With 3 bedrooms, 2 baths, and 1,296 sq. ft. of inviting living space, this home features vaulted ceilings, a bright open layout, and a manicured corner lot. The walk-through kitchen includes a breakfast bar, built-in microwave, stove, refrigerator, and a brand-new dishwasher. The spacious primary suite offers double sinks, a relaxing soaking tub, and a separate shower. Enjoy morning coffee or evening sunsets from the covered decks at both the front and back. A concrete driveway and storage shed add convenience, and the washer and dryer are included. Space rent covers water, sewer, and garbage—easy living at its best!
-
2025-12-09price $99,500 716-char remark
Show marketing remark (716 chars)
Welcome home to this charming home located in a beautifully maintained 55+ community! With 3 bedrooms, 2 baths, and 1,296 sq. ft. of inviting living space, this home features vaulted ceilings, a bright open layout, and a manicured corner lot. The walk-through kitchen includes a breakfast bar, built-in microwave, stove, refrigerator, and a brand-new dishwasher. The spacious primary suite offers double sinks, a relaxing soaking tub, and a separate shower. Enjoy morning coffee or evening sunsets from the covered decks at both the front and back. A concrete driveway and storage shed add convenience, and the washer and dryer are included. Space rent covers water, sewer, and garbage—easy living at its best!
-
2025-10-10$100,000 Active 716-char remark
Show marketing remark (716 chars)
Welcome home to this charming home located in a beautifully maintained 55+ community! With 3 bedrooms, 2 baths, and 1,296 sq. ft. of inviting living space, this home features vaulted ceilings, a bright open layout, and a manicured corner lot. The walk-through kitchen includes a breakfast bar, built-in microwave, stove, refrigerator, and a brand-new dishwasher. The spacious primary suite offers double sinks, a relaxing soaking tub, and a separate shower. Enjoy morning coffee or evening sunsets from the covered decks at both the front and back. A concrete driveway and storage shed add convenience, and the washer and dryer are included. Space rent covers water, sewer, and garbage—easy living at its best!
-
2015-11-16soldstatus $35,000 Sold 267-char remark
Show marketing remark (267 chars)
Lovely 2001 Fleetwood in 55+ Park. has 3 br 2 baths, 1296 sq ft on manicured corner lot. Boasts spacious covered deck front and back, concrete driveway, ample storage shed, vaulted ceilings, EZ living floor plan with lovely master suite. HOAs include sewer and water.
-
2015-11-03status Pending 267-char remark
Show marketing remark (267 chars)
Lovely 2001 Fleetwood in 55+ Park. has 3 br 2 baths, 1296 sq ft on manicured corner lot. Boasts spacious covered deck front and back, concrete driveway, ample storage shed, vaulted ceilings, EZ living floor plan with lovely master suite. HOAs include sewer and water.
-
2015-10-13price $35,000 267-char remark
Show marketing remark (267 chars)
Lovely 2001 Fleetwood in 55+ Park. has 3 br 2 baths, 1296 sq ft on manicured corner lot. Boasts spacious covered deck front and back, concrete driveway, ample storage shed, vaulted ceilings, EZ living floor plan with lovely master suite. HOAs include sewer and water.
-
2015-10-13status Active 267-char remark
Show marketing remark (267 chars)
Lovely 2001 Fleetwood in 55+ Park. has 3 br 2 baths, 1296 sq ft on manicured corner lot. Boasts spacious covered deck front and back, concrete driveway, ample storage shed, vaulted ceilings, EZ living floor plan with lovely master suite. HOAs include sewer and water.
-
2015-10-08status Pending 267-char remark
Show marketing remark (267 chars)
Lovely 2001 Fleetwood in 55+ Park. has 3 br 2 baths, 1296 sq ft on manicured corner lot. Boasts spacious covered deck front and back, concrete driveway, ample storage shed, vaulted ceilings, EZ living floor plan with lovely master suite. HOAs include sewer and water.
-
2015-06-30status Active 267-char remark
Show marketing remark (267 chars)
Lovely 2001 Fleetwood in 55+ Park. has 3 br 2 baths, 1296 sq ft on manicured corner lot. Boasts spacious covered deck front and back, concrete driveway, ample storage shed, vaulted ceilings, EZ living floor plan with lovely master suite. HOAs include sewer and water.
-
2015-06-30historical 267-char remark
Show marketing remark (267 chars)
Lovely 2001 Fleetwood in 55+ Park. has 3 br 2 baths, 1296 sq ft on manicured corner lot. Boasts spacious covered deck front and back, concrete driveway, ample storage shed, vaulted ceilings, EZ living floor plan with lovely master suite. HOAs include sewer and water.
-
2015-06-30$39,900 Active 267-char remark
Show marketing remark (267 chars)
Lovely 2001 Fleetwood in 55+ Park. has 3 br 2 baths, 1296 sq ft on manicured corner lot. Boasts spacious covered deck front and back, concrete driveway, ample storage shed, vaulted ceilings, EZ living floor plan with lovely master suite. HOAs include sewer and water.
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast OR · Resets to sale price
- Current annual tax
- $535 · $45/mo
- Projected year-2 tax
- $679 · $57/mo
- Expected delta
- +$144/yr (+$12/mo · 27.0%)
ⓘ 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 (shaded) · 0% chance over 30 yrs
- Wildfire 8/10 Severe
- Heat 5/10 Major 8 d/yr ≥95°F today · 17 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 9/10 Extreme 10 unhealthy d/yr today · 11 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $22,800
- − Mortgage interest
- −$3,921
- − Property taxes
- −$535
- − Insurance
- −$350
- − Repairs & maintenance
- −$1,824
- − Management
- −$1,824
- − Depreciation
- −$2,036
- Taxable income
- $12,310
- Est. tax owed @ 24.0%
- −$2,954
- After-tax cash flow
- $9,768/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
- Winston-Dillard SD 116
- NCES district ID
- 4113490
- Math proficiency
- 18% ▲ 1.00%
- Reading proficiency
- 29% ▼ -11.00%
- Median HH income
- $40,944
- Composite
- 19.91/100
- National rank
- #8682
- State rank
- #56 of 58 in OR
Livability — Winston
- Score
- 66/100
- State rank
- #185
- US rank
- #11922
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Winston, OR
- Population (ZIP)
- 7,557
Population outlook (Douglas County) Hauer SSP2
- Today (2025)
- 105,191 people
- By 2030
- 102,664 · -2.4%
- By 2040
- 96,668 · -8.1%
- By 2050
- 91,279 · -13.2%
- By 2075
- 79,395 · -24.5%
- By 2100
- 66,107 · -37.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (80%)
- Race & ethnicity
- White 80% Hispanic / Latino 12% Two or more races 9%
- Hispanic origin (detail)
- Mexican 10%
- Common ancestry
- Slovak 3% Italian 3% Serbian 3%
- Foreign-born
- 2%
- Languages at home
- 97% English-only · Spanish 2%
Political lean MEDSL · Douglas
- 2024 margin
- Solid R (+37.7) · D 29.9% · R 67.6% · Other 2.5%
- 2008→2024 swing
- -17.6pp toward R · 2008: -20.1pp · 2024: -37.7pp
- All cycles
- 2024: R+37.7 2020: R+37.5 2016: R+39.4 2012: R+27.6 2008: R+20.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -60.23%
- Current HPI
- 341.9441
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 2.05%
- F500 in state
- 2
Industry mix (Fortune 500 HQ in OR)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Consumer Goods | 1 | $51B |
|
||
Price history
+125.6% since first listed12 events — show timeline
- 2026-04-13 Relisted — RMLS
- 2026-02-04 Price Changed $90,000 RMLS
- 2025-12-09 Price Changed $99,500 RMLS
- 2025-10-10 Listed $100,000 RMLS
- 2015-11-16 Sold (MLS) $35,000 RMLS
- 2015-11-03 Pending — RMLS
- 2015-10-13 Price Changed $35,000 RMLS
- 2015-10-13 Relisted — RMLS
- 2015-10-08 Pending — RMLS
- 2015-06-30 Relisted — RMLS
- 2015-06-30 Delisted — RMLS
- 2015-06-30 Listed $39,900 RMLS
Property tax history
-1.8%/yrLatest (2025): $535 · -13.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…