3800 S 1900 W #144 · Roy, UT
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $453 – $841
Heat risk 4/10 · Minor
- Hot days now (above 94°F)
- 4 days/yr
- Hot days in 30 yrs
- 11 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D 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 +15.0/30.0
- ARV discount +7.5/15.0
- 1% rule +5.0/10.0
- DSCR +5.0/10.0
- Livability +4.0/5.0
- Schools +3.2/10.0
- Condition / age +2.5/5.0
- Rent growth +2.4/5.0
- Appreciation +0.0/10.0
$30,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
There are no remarks available.
Key facts
- Wheelchair access
- Covered deck
- Ample parking
Tags
Property features AI
Finance
- HOA & community: Homeowners association: Monte Vista; Association fee $880 monthly; Association fee includes cable TV, sewer, trash, water; Association amenities include cable TV, pet policy (pets permitted), sewer paid, snow removal, trash, water
Exterior
- Parking: Uncovered open parking; Two parking spaces (both open)
- Utilities: Natural gas connected; Electricity connected; Public sewer connected; Culinary water connected
- Home design: Manufactured home; Single-story / single level living; Accessible with ramp and customized wheelchair access; Built in 1999; Single-family zoning; Residential use
- Construction: Aluminum exterior; Built/standing condition
- Exterior features: Awning(s); Covered deck; Open porch; Open porch (listed under patio/porch features); Outbuildings; Storm doors; Paved road access; Automatic full sprinkler system; Landscaping (full); Mature trees
Interior
- Kitchen: Range/oven (free standing); Refrigerator; Freezer; Disposal
- Bedrooms: Two main level bedrooms; Primary bedroom on first floor
- Flooring: Laminate; Linoleum; Concrete
- Bathrooms: One full bathroom; One three-quarter bathroom
- Heating & cooling: Forced air heating (gas central); Evaporative cooling
- Interior features: Den/Office; Disposal; Range/Oven: Free standing; Blinds
- Laundry & utility: Washer; Dryer; Electric dryer hookup
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath manufactured listed at $30k.
Deal economics
- At list price, monthly cash flow is $121 ($1k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $30k).
- Recommended offer: $26k (12.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 81/100 on livability (#32 in UT, #1,449 nationally) — a professional / high-income tenant draw. Strengths: housing A+, health & safety A+, commute A; Watch: amenities F.
- Weber District (suburban): math 36% / reading 35% proficiency, ranked #56 of 80 in UT (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: North Park School (math 32% / reading 32%, grade F, #419 of 585 statewide, top 72%, 467 students, 50% FRL); Sand Ridge Jr High (math 26% / reading 26%, grade F, #119 of 138 statewide, top 87%, 857 students, 40% FRL); Roy High (math 15% / reading 39%, grade F, #131 of 171 statewide, top 79%, 1,834 students, 28% FRL).
- Market conditions: Rents soft (-0.5%/yr); 203 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,630 units permitted in Weber County in 2024 (521 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $207 of loan paydown is wiped out by about $900 of value loss. Plan a longer hold.
- Weber County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 188 days — a 12% lower offer ($26k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 7y ago; this cycle's ask has dropped $27k (47%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: HOA is 58% of rent.
Questions for the listing agent
- It's been on market 188 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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 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?
- 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?
- 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
- 5.10% ✓
- Cap rate
- 11.13%
- Cash-on-cash
- 17.28%
- DSCR
- 1.77
- GRM
- 1.6
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -3.9%
- Equity multiple
- 0.87×
- Total profit
- $-1,078
- Equity at exit
- $4,473
- IRR
- —
- Equity multiple
- 0.28×
- Total profit
- $-6,052
- Equity at exit
- $2,594
Cash invested: $8,400 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 86 Strongly Landlord-Friendly
- State Utah
- 86 Strongly Landlord-Friendly · R+15
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 84067
- Rents YoY
- -0.5%
- Active inventory
- 203
- Price-to-rent
- 1.6×
Monthly cashflow live
- Estimated rent
- $1,529 high interval (Pro) →
- Mortgage (P&I)
- −$157
- Tax est. 1.5%
- −$38 /mo · $450/yr
- Insurance
- −$12
- HOA
- −$880
- Vacancy / Maint / Mgmt
- −$321
- Net cashflow
- $121
Break-even live
Sensitivity live
| Price | -10% $142 | -5% $131 | +0% $121 | +5% $111 | +10% $100 |
|---|---|---|---|---|---|
| Rent | -10% $0 | -5% $61 | +0% $121 | +5% $181 | +10% $242 |
| Rate | -1.0pp $136 | -0.5pp $129 | base $121 | +0.5pp $113 | +1.0pp $105 |
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
- $7,500
- Closing costs
- $900
- 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 17 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2405 Hinckley Dr Unit L203 West Haven, UT | 2.0 | 2.0 | 988 | $1,416 | $1.43 | 24d | 1 | 0.70mi |
| 3330 S Midland Dr West Haven, UT | 1.0–3.0 | 1.0–2.5 | 1000 | $1,500 | $1.50 | 15d | 3 | 0.80mi |
| 4449 S 1900 W Unit 4 Roy, UT | 2.0 | 1.0 | 900 | $999 | $1.11 | 24d | 1 | 0.81mi |
| 3560 Midland Dr West Haven, UT | 1.0–3.0 | 1.0–2.0 | 932 | $1,437 | $1.54 | 15d | 22 | 0.82mi |
| 4499 S 1930 W Roy, UT | 1.0–3.0 | 1.0–2.5 | 1106 | $1,930 | $1.75 | 15d | 11 | 0.90mi |
| 2112 W 3300 S West Haven, UT | 1.0–3.0 | 1.0–2.0 | 975 | $1,686 | $1.73 | 15d | 15 | 0.93mi |
| 3405 S 2400 W West Haven, UT | 1.0–3.0 | 1.0–2.0 | 978 | $1,525 | $1.56 | 24d | 5 | 0.95mi |
| 1184 W 4400 S Riverdale, UT | 2.0 | 1.0 | 864 | $1,299 | $1.50 | 15d | 3 | 1.09mi |
| 2002 W 4700 S Apt 2 Roy, UT | 2.0 | 1.0 | 837 | $1,185 | $1.42 | 24d | 1 | 1.12mi |
| 90 West Roy, UT | 1.0–3.0 | 1.0–2.0 | 1075 | $1,445 | $1.34 | 15d | 11 | 1.12mi |
| 4372 S 1000 W Unit A Riverdale, UT | 3.0 | 1.5 | 1375 | $1,725 | $1.25 | 24d | 1 | 1.24mi |
| 759 3900 S Ogden, UT | 2.0 | 1.0 | 1000 | $1,350 | $1.35 | 24d | 1 | 1.31mi |
| 1775 W 4800 S Roy, UT | 1.0–2.0 | 1.0 | 770 | $1,250 | $1.62 | 15d | 4 | 1.32mi |
| 735 3900 S Unit 1 Riverdale, UT | 3.0 | 1.0 | 975 | $1,150 | $1.18 | 24d | 1 | 1.34mi |
| 4389 S Locomotive DR Roy, UT | 2.0–4.0 | 2.5–3.5 | 1651 | $1,930 | $1.17 | 15d | 48 | 1.35mi |
| 3922 Lamplighter Way Riverdale, UT | 3.0 | 1.5 | 1390 | $1,695 | $1.22 | 15d | 1 | 1.40mi |
| 2914 W 3885 S West Haven, UT | 3.0 | 2.5 | 1440 | $2,395 | $1.66 | 24d | 1 | 1.41mi |
HOA detail
- Monthly dues
- $880 · $10,560/yr
Listing history 39 events
-
2026-06-18days on market $30,000 Active 188 DOM
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2026-06-17days on market $30,000 Active 187 DOM
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2026-06-16days on market $30,000 Active 186 DOM
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2026-06-15days on market $30,000 Active 185 DOM
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2026-06-14days on market $30,000 Active 183 DOM
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2026-06-10days on market $30,000 Active 180 DOM
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2026-06-09days on market $30,000 Active 179 DOM
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2026-06-09price $30,000 Active 178 DOM
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2026-06-08days on market $35,000 Active 178 DOM
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2026-06-07days on market $35,000 Active 177 DOM
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2026-06-05days on market $35,000 Active 174 DOM
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2026-06-03days on market $35,000 Active 173 DOM
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2026-06-02days on market $35,000 Active 172 DOM
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2026-06-01days on market $35,000 Active 171 DOM
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2026-05-31days on market $35,000 Active 170 DOM
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2026-05-31days on market $35,000 Active 169 DOM
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2026-05-20price $35,000
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2026-05-07price $40,000
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2026-05-07price $44,000
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2026-05-06price $40,000
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2026-04-25price $44,000
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2026-04-14price $44,500
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2026-04-08status Active
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2026-04-03historical Backup
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2026-03-17price $47,950
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2026-02-27status Active
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2026-02-26historical Backup
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2026-02-07price $50,000
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2026-02-03price $51,900
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2026-01-10price $54,900
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2025-12-12$57,000 Active
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2020-08-31soldstatus Sold 31-char remark
Show marketing remark (31 chars)
There are no remarks available.
-
2020-08-13historical Backup 31-char remark
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There are no remarks available.
-
2020-06-05status Active 31-char remark
Show marketing remark (31 chars)
There are no remarks available.
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2020-06-03status Under Contract 31-char remark
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There are no remarks available.
-
2020-05-08price $50,000 31-char remark
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There are no remarks available.
-
2020-04-06$55,000 Active 31-char remark
Show marketing remark (31 chars)
There are no remarks available.
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2020-01-31historical
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2019-10-22$54,900 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 1/10 Low
- Heat 4/10 Moderate 4 d/yr ≥94°F today · 11 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 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
- $18,353
- − Mortgage interest
- −$1,680
- − Property taxes
- −$450
- − Insurance
- −$150
- − Repairs & maintenance
- −$1,468
- − Management
- −$1,468
- − HOA
- −$10,560
- − Depreciation
- −$873
- Taxable income
- $1,703
- Est. tax owed @ 24.0%
- −$409
- After-tax cash flow
- $1,042/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
- Weber District
- NCES district ID
- 4901200
- Math proficiency
- 36% ▼ -4.00%
- Reading proficiency
- 35% ▼ -5.00%
- Median HH income
- $65,750
- Composite
- 32.28/100
- National rank
- #5757
- State rank
- #56 of 80 in UT
Livability — Roy
- Score
- 81/100
- State rank
- #32
- US rank
- #1449
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Roy, UT
- County
- Weber County · 260,557 people
- City population
- 38,794
- Metro
- Ogden-Clearfield, UT
- Population (ZIP)
- 38,794
- Household income
- $91,115
- Rent vs Own
- Severe rent burden
- 216.0
Population outlook (Weber County) Hauer SSP2
- Today (2025)
- 274,329 people
- By 2030
- 288,577 · +5.2%
- By 2040
- 314,848 · +14.8%
- By 2050
- 338,710 · +23.5%
- By 2075
- 384,412 · +40.1%
- By 2100
- 409,305 · +49.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (73%)
- Race & ethnicity
- White 73% Hispanic / Latino 19% Two or more races 8% Asian 2%
- Hispanic origin (detail)
- Mexican 14%
- Common ancestry
- Slovak 4% Italian 4% Portuguese 3%
- Foreign-born
- 6% · Canada
- Languages at home
- 86% English-only · Spanish 11% Other Asian/Pacific 1% Tagalog/Filipino 1%
Political lean MEDSL · Weber
- 2024 margin
- Strong R (+23.5) · D 36.8% · R 60.3% · Other 2.9%
- 2008→2024 swing
- +4.1pp toward D · 2008: -27.6pp · 2024: -23.5pp
- All cycles
- 2024: R+23.5 2020: R+22.7 2016: R+20.0 2012: R+46.0 2008: R+27.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -284.84%
- Current HPI
- 323.642
- Rent YoY
- ▼ -0.45%
- Metro
- Ogden-Clearfield, UT
- State GDP YoY
- ▲ 3.54%
- F500 in state
- 2
Industry mix (Fortune 500 HQ in UT)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 1 | $3B |
|
||
Price history
-36.2% since first listed23 events — show timeline
- 2026-05-20 Price Changed $35,000 WFRMLS
- 2026-05-07 Price Changed $40,000 WFRMLS
- 2026-05-07 Price Changed $44,000 WFRMLS
- 2026-05-06 Price Changed $40,000 WFRMLS
- 2026-04-25 Price Changed $44,000 WFRMLS
- 2026-04-14 Price Changed $44,500 WFRMLS
- 2026-04-08 Relisted — WFRMLS
- 2026-04-03 Contingent — WFRMLS
- 2026-03-17 Price Changed $47,950 WFRMLS
- 2026-02-27 Relisted — WFRMLS
- 2026-02-26 Contingent — WFRMLS
- 2026-02-07 Price Changed $50,000 WFRMLS
- 2026-02-03 Price Changed $51,900 WFRMLS
- 2026-01-10 Price Changed $54,900 WFRMLS
- 2025-12-12 Listed $57,000 WFRMLS
- 2020-08-31 Sold (MLS) — WFRMLS
- 2020-08-13 Contingent — WFRMLS
- 2020-06-05 Relisted — WFRMLS
- 2020-06-03 Pending — WFRMLS
- 2020-05-08 Price Changed $50,000 WFRMLS
- 2020-04-06 Listed $55,000 WFRMLS
- 2020-01-31 Listing Removed — WFRMLS
- 2019-10-22 Listed $54,900 WFRMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…