752 Oxford St · Suffolk, VA 23434

$209,999

3 bd · 2.0 ba · 840 sqft · SingleFamily public records · 23 Days on market

Built 1995 Est $212k · at est.

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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 +13.3/30.0
• ARV discount +7.9/15.0
• Schools +4.8/10.0
• DSCR +4.0/10.0
• Rent growth +4.0/5.0
• Livability +3.9/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 752 Oxford Street, an updated ranch offering stylish finishes and an efficient layout in the heart of Suffolk. This home features fresh interior updates, modern lighting, updated flooring, and a warm neutral palette throughout. Enjoy a welcoming front porch, fenced yard space, and a move-in ready feel throughout. A charming option for a first-time buyer, downsizer, or investor looking for an updated home with character and convenience.

Key facts

• Updated ranch
• Fenced yard space
• Built 1995

Tags

• UPDATED RANCH
• FENCED YARD SPACE
• WELCOMING FRONT PORCH

Property features AI

Finance

• HOA & community: No HOA

Exterior

• Parking: Driveway parking
• Utilities: City/County water; City/County sewer; Electric water heater; Electric power
• Home design: Detached ranch; Single-story
• Construction: Crawl foundation; Asphalt shingle roof
• Exterior features: Vinyl siding; Partial chain link fence

Interior

• Kitchen: Microwave; Electric range; Refrigerator
• Bedrooms: Bedroom and full bathroom on the first floor
• Flooring: Laminate flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fan

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $-1 ($-15/yr) — negative.
• To cash-flow at today's rent, offer at most $210k (0.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $163k (22.6% below list).
• Recommended offer: $163k (22.6% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 3.5% in Suffolk — 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 77/100 on livability (#88 in VA, #2,896 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, employment A-; Watch: crime C-, commute F.
• Suffolk City Public School District (suburban): math 41% / reading 69% proficiency, ranked #72 of 131 in VA (top 55%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Booker T. Washington Elementary (math 27% / reading 47%, grade F, #933 of 1,108 statewide, top 86%, 355 students, 64% FRL); King'S Fork Middle (math 33% / reading 61%, grade D+, #257 of 342 statewide, top 77%, 1,031 students, 63% FRL); Lakeland High (math 33% / reading 77%, grade C, #279 of 319 statewide, top 88%, 1,083 students, 64% FRL) — zoned schools average 64% FRL vs 39% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+5.8%/yr); 546 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 680 units permitted in Suffolk city in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Suffolk County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($207k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $105k; list at $210k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% 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 $162,595 (22.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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?
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: 0.77% ✗
• Cap rate: 6.29%
• Cash-on-cash: -0.03%
• DSCR: 1.00
• GRM: 10.8

CMA / ARV

• ARV (on-the-fly): $211,680
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
402 Roy St	0.06mi	3/1.0	840 (0%)	3mo	$135,000	$161	90
402 Webb St	0.09mi	3/1.0	840 (0%)	10mo	$143,750	$171	83
204 Woodrow Ave	0.39mi	3/1.0	840 (0%)	10mo	$140,000	$167	70
305 Pleasant St	0.19mi	2/1.5 (-1)	720 (-14%)	3mo	$210,000	$292	58
527 Kissimmee Ave	0.29mi	2/1.0 (-1)	745 (-11%)	5mo	$189,900	$255	54
301 Webb St	0.19mi	2/1.0 (-1)	715 (-15%)	9mo	$180,000	$252	50

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 · 5.84% rent growth · sell at horizon

5-year hold

• IRR: -13.6%
• Equity multiple: 0.50×
• Total profit: $-29,409
• Equity at exit: $31,312

10-year hold

• IRR: -1.2%
• Equity multiple: 0.91×
• Total profit: $-5,243
• Equity at exit: $18,157

Cash invested: $58,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State Virginia: 55 Moderately Landlord-Leaning · D+2
• County: — inherits STATE
• City: — inherits STATE

VRLTA gives some tenant protections; Northern Virginia courts slower; rural VA landlord-leaning.

Methodology + full state rankings →

ZIP-level market 23434

• Rents YoY: 5.8%
• Active inventory: 546
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $1,626 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$97 /mo · $1,164/yr
• Insurance: −$87
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $-1

Break-even live

Break-even rent $1,628

Max offer price $209,775

Occupancy floor 95%

Sensitivity live

Price	-10% $118	-5% $58	+0% $-1	+5% $-61	+10% $-120
Rent	-10% $-130	-5% $-65	+0% $-1	+5% $63	+10% $127
Rate	-1.0pp $104	-0.5pp $52	base $-1	+0.5pp $-56	+1.0pp $-111

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
210 Baker St Suffolk, VA	3.0	1.0	988	$1,600	$1.62	45d	1	0.24mi
114 Nancy Dr Suffolk, VA	2.0–3.0	1.0	860	$1,450	$1.69	3d	4	0.51mi
326 E Washington St Suffolk, VA	2.0	2.0	839	$1,629	$1.94	4d	1	0.98mi
308 Saint James Ave Unit B Suffolk, VA	2.0	1.0	936	$1,295	$1.38	25d	1	1.09mi
181 N Main St Suffolk, VA	2.0	1.0–2.0	804	$1,885	$2.34	3d	15	1.17mi
410 Bosley Ave Unit B Suffolk, VA	2.0	1.0	850	$1,095	$1.29	12d	1	1.19mi
307 Central Ave Suffolk, VA	3.0	1.0	840	$1,700	$2.02	45d	1	1.31mi
214 N 7th St Unit NA Suffolk, VA	2.0	1.0	760	$1,500	$1.97	25d	1	1.37mi
120 S 10th St Suffolk, VA	2.0	1.0	736	$1,250	$1.70	45d	1	1.46mi
558 1st Ave Suffolk, VA	2.0	1.5	1000	$1,250	$1.25	45d	1	1.47mi
564 1st Ave Suffolk, VA	2.0	1.0	1000	$1,100	$1.10	45d	1	1.47mi

Listing history 13 events

1. 2026-06-21
   days on market $209,999 Active 23 DOM
2. 2026-06-18
   days on market $209,999 Active 20 DOM
3. 2026-06-17
   days on market $209,999 Active 19 DOM
4. 2026-06-16
   days on market $209,999 Active 18 DOM
5. 2026-06-15
   days on market $209,999 Active 17 DOM
6. 2026-06-13
   days on market $209,999 Active 15 DOM
7. 2026-06-09
   days on market $209,999 Active 11 DOM
8. 2026-06-08
   days on market $209,999 Active 10 DOM
9. 2026-06-07
   days on market $209,999 Active 9 DOM
10. 2026-06-03
    days on market $209,999 Active 5 DOM
11. 2026-06-02
    days on market $209,999 Active 4 DOM
12. 2026-06-01
    days on market $209,999 Active 3 DOM
13. 2026-05-31
    days on market $209,999 Active 2 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 VA · Resets to sale price

• Current annual tax: $1,164 · $97/mo
• Projected year-2 tax: $1,722 · $143/mo
• Expected delta: +$558/yr (+$46/mo · 47.9%)

ⓘ 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 9/10 Extreme 7 d/yr ≥109°F today · 16 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,511
• − Mortgage interest: −$11,763
• − Property taxes: −$1,164
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,561
• − Management: −$1,561
• − Depreciation: −$6,109
• Taxable loss: −$3,697
• Est. tax savings @ 24.0%: +$887
• After-tax cash flow: $872/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: Suffolk City Public School District
• NCES district ID: 5103710
• Math proficiency: 41% ▼ -43.00%
• Reading proficiency: 69% ▼ -8.00%
• Median HH income: $65,573
• Composite: 48.31/100
• National rank: #2151
• State rank: #72 of 131 in VA

Livability — Suffolk

• Score: 77/100
• State rank: #88
• US rank: #2896

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Suffolk, VA
• County: Suffolk City · 88,108 people
• City population: 88,108
• Metro: Virginia Beach-Norfolk-Newport News, VA-NC
• Population (ZIP): 54,387
• Household income: $79,877
• Rent vs Own: 31.5% rent · 68.5% own
• Severe rent burden: 1934.0

Population outlook (Suffolk County) Hauer SSP2

• Today (2025): 95,269 people
• By 2030: 98,269 · +3.1%
• By 2040: 103,177 · +8.3%
• By 2050: 105,777 · +11.0%
• By 2075: 110,963 · +16.5%
• By 2100: 103,711 · +8.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: Black 49% White 41% Two or more races 5% Hispanic / Latino 4% Asian 1%
• Common ancestry: Lithuanian 1% Slovak 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 2%

Political lean MEDSL · Suffolk

• 2024 margin: D (+15.9) · D 57.4% · R 41.5% · Other 1.2%
• 2008→2024 swing: +2.7pp toward D · 2008: 13.2pp · 2024: 15.9pp
• All cycles: 2024: D+15.9 2020: D+17.3 2016: D+13.8 2012: D+15.1 2008: D+13.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -383.80%
• Current HPI: 158.5866
• Rent YoY: ▲ 5.84%
• Metro: Virginia Beach-Norfolk-Newport News, VA-NC
• State GDP YoY: ▲ 2.40%
• F500 in state: 50

Industry mix (Fortune 500 HQ in VA)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	4	$236B
▸Technology / Defense	3	$32B
▸Financial Services	2	$176B
▸Utilities	2	$27B
▸Insurance	2	$25B
▸Technology	2	$15B

Price history

+100.0% since first listed

2 events — show timeline

• 2026-05-29 Listed $209,999 REINMLS
• 2024-09-30 Sold (Public Records) $105,000 Public Records

Property tax history

+3.9%/yr

Latest (2025): $1,164 · +0.6% YoY. Source: county tax records.