916 N Pembroke Ave N · Ahoskie, NC 27910

$135,000

3 bd · 2.0 ba · 1,632 sqft · SingleFamily public records · 159 Days on market

Built 1955 8,276 sqft lot Est $222k · 39% under ↓ 9% 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 +29.8/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.3/10.0
• Appreciation +6.3/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0

Listing remarks MLS

Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

Key facts

• Ample cabinetry
• Spacious kitchen
• Deck

Tags

• SPACIOUS KITCHEN
• AMPLE CABINETRY
• DECK
• WELL-ESTABLISHED NEIGHBORHOOD
• UNBEATABLE LOCATION

Property features AI

Finance

• Other: Lot approximately 0.19 acres; Zoned R-6
• HOA & community: No association

Exterior

• Utilities: Public water; Public sewer
• Home design: Single-story house; Vinyl siding
• Construction: Vinyl siding construction; Pillar/post/pier foundation; Shingle roof; One level; Built as a house
• Exterior features: Shingle roof; Full wood backyard fence

Interior

• Kitchen: Electric oven
• Bedrooms: 3 bedrooms (all on the main level)
• Flooring: Carpet; Laminate; Luxury vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric and gas pack heating; Central air conditioning
• Interior features: Electric oven; Has basement (crawl space)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $495 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Recommended offer: $119k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.7% vs local median 7.7% in Ahoskie — 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 57/100 on livability (#600 in NC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, health & safety A+, housing B+; Watch: crime F, amenities F, commute F.
• Hertford County Schools (town): math 14% / reading 26% proficiency, ranked #171 of 178 in NC (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Hertford County Middle (math 6% / reading 26%, grade F, #455 of 475 statewide, top 96%, 536 students, 99% FRL); Hertford County High (math 12% / reading 12%, grade F, #518 of 535 statewide, top 97%, 573 students, 100% FRL) — zoned schools average 99% FRL vs 74% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 59 active listings in the ZIP; 5 units permitted in Hertford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($933 loan paydown + $3k appreciation (2.5% local appreciation)).
• Hertford County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.5% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 159 days — a 12% lower offer ($119k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $35k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 78% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $118,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 159 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.23% ✓
• Cap rate: 10.70%
• Cash-on-cash: 15.72%
• DSCR: 1.70
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $221,952
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
501 N Curtis St	0.16mi	3/3.0	1,649 (+1%)	8mo	$225,000	$136	80
511 Church St W	0.58mi	3/1.0	1,854 (+14%)	21mo	$60,000	$32	29

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

Projected returns pro-forma

2.52% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.2%
• Equity multiple: 2.17×
• Total profit: $44,378
• Equity at exit: $57,096

10-year hold

• IRR: 22.7%
• Equity multiple: 4.12×
• Total profit: $118,025
• Equity at exit: $85,286

Cash invested: $37,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 85 Strongly Landlord-Friendly
• State North Carolina: 85 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

10-day notice; preempted; landlord-favorable but court speed varies.

Methodology + full state rankings →

ZIP-level market 27910

• Home prices YoY: 1.9%
• Active inventory: 59
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,665 medium
• Mortgage (P&I): −$708
• Tax from tax record: −$56 /mo · $674/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$350
• Net cashflow: $495

Break-even live

Break-even rent $1,038

Max offer price $135,000

Occupancy floor 65%

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-17
   days on market $135,000 Active 159 DOM
2. 2026-06-16
   days on market $135,000 Active 158 DOM
3. 2026-06-15
   days on market $135,000 Active 157 DOM
4. 2026-06-13
   days on market $135,000 Active 155 DOM
5. 2026-06-12
   days on market $135,000 Active 154 DOM
6. 2026-06-09
   days on market $135,000 Active 151 DOM
7. 2026-06-08
   days on market $135,000 Active 150 DOM
8. 2026-06-07
   days on market $135,000 Active 149 DOM
9. 2026-06-07
   days on market $135,000 Active 148 DOM
10. 2026-06-04
    pricestatus $135,000 Active 145 DOM
11. 2026-05-16
    historical Active Under Contract 503-char remark

    Show marketing remark (503 chars)

    Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

12. 2026-05-16
    status Pending

    Show marketing remark (503 chars)

    Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

13. 2026-04-30
    price $154,900 503-char remark

    Show marketing remark (503 chars)

    Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

14. 2026-04-30
    price $154,900

    Show marketing remark (503 chars)

    Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

15. 2026-01-22
    price $159,900 503-char remark

    Show marketing remark (503 chars)

    Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

16. 2026-01-22
    price $159,900

    Show marketing remark (503 chars)

    Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

17. 2025-12-22
    listed $169,900 Active 503-char remark

    Show marketing remark (503 chars)

    Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

18. 2025-12-22
    listed $169,900 Active

    Show marketing remark (503 chars)

    Welcome home to this charming 3-bedroom, 2-bath home located in a well-established neighborhood just minutes from everything Ahoskie has to offer. This home features a spacious kitchen with ample cabinetry that flows easily into the dining room—perfect for everyday living and entertaining. Enjoy outdoor living with a nice lawn and a deck ideal for relaxing or hosting gatherings. Conveniently located near dining, and local amenities, this home offers comfort, space, and an unbeatable location.

19. 2025-12-03
    status Active
20. 2025-10-27
    status Pending
21. 2025-10-27
    historical
22. 2025-10-14
    listed $169,500 Active

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

Tax reassessment forecast NC · Resets to sale price

• Current annual tax: $674 · $56/mo
• Projected year-2 tax: $1,107 · $92/mo
• Expected delta: +$433/yr (+$36/mo · 64.2%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥106°F today · 16 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 78% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,985
• − Mortgage interest: −$7,562
• − Property taxes: −$674
• − Insurance: −$675
• − Repairs & maintenance: −$1,599
• − Management: −$1,599
• − Depreciation: −$3,927
• Taxable income: $3,949
• Est. tax owed @ 24.0%: −$948
• After-tax cash flow: $4,996/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: Hertford County Schools
• NCES district ID: 3702160
• Math proficiency: 14% ▼ -3.00%
• Reading proficiency: 26% ▼ -1.00%
• Median HH income: $33,467
• Composite: 16.29/100
• National rank: #9213
• State rank: #171 of 178 in NC

Livability — Ahoskie

• Score: 57/100
• State rank: #600
• US rank: #21815

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ahoskie, NC
• City population: 10,427
• Population (ZIP): 10,427

Population outlook (Hertford County) Hauer SSP2

• Today (2025): 23,401 people
• By 2030: 22,708 · -3.0%
• By 2040: 21,227 · -9.3%
• By 2050: 19,942 · -14.8%
• By 2075: 17,844 · -23.7%
• By 2100: 15,148 · -35.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: Black 59% White 32% Hispanic / Latino 4% Two or more races 3% Native American 2% Asian 1%
• Common ancestry: Serbian 1% Slovak 1%
• Foreign-born: 3% · Canada, Philippines
• Languages at home: 96% English-only · Spanish 3% Other Asian/Pacific 1%

Political lean MEDSL · Hertford

• 2024 margin: Strong D (+26.8) · D 63.0% · R 36.3%
• 2008→2024 swing: -14.8pp toward R · 2008: 41.5pp · 2024: 26.8pp
• All cycles: 2024: D+26.8 2020: D+34.0 2016: D+37.7 2012: D+44.3 2008: D+41.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.52%
• Current HPI: 135.494
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.28%
• F500 in state: 26

Industry mix (Fortune 500 HQ in NC)

Industry	F500 HQs	Revenue
▸Financial Services	2	$213B
▸Retail	2	$95B
▸Industrial Conglomerate	1	$38B
▸Metals / Steel	1	$35B
▸Utilities	1	$30B
▸Industrial Machinery	1	$19B

Price history

-8.6% since first listed

12 events — show timeline

• 2026-05-16 Contingent — Hive MLS
• 2026-05-16 Pending — TMLS
• 2026-04-30 Price Changed $154,900 Hive MLS
• 2026-04-30 Price Changed $154,900 TMLS
• 2026-01-22 Price Changed $159,900 Hive MLS
• 2026-01-22 Price Changed $159,900 TMLS
• 2025-12-22 Listed $169,900 Hive MLS
• 2025-12-22 Listed $169,900 TMLS
• 2025-12-03 Relisted — Hive MLS
• 2025-10-27 Pending — Hive MLS
• 2025-10-27 Listing Removed — Hive MLS
• 2025-10-14 Listed $169,500 Hive MLS

Property tax history

-5.4%/yr

Latest (2025): $674 · -49.1% YoY. Source: county tax records.