18225 249th Ave · Bettendorf, IA 52767

$200,000

3 bd · 3.0 ba · 1,867 sqft · SingleFamily public records · 26 Days on market

Built 1965 Est $284k · 30% under

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Why this score? — see what drove the A 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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.9/10.0
• Schools +7.6/10.0
• Appreciation +7.3/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Please visit www. exchange. realestate to view the full listing, schedule a showing, or make an offer. This home is a nature enthusiast& apos; s dream, just a short stroll to the Mississippi River! This home is move in ready, and a split-level located in Pleasant Valley. The main level has laminate floors, conventional ceiling, and features a fireplace. The kitchen features luxury vinyl plank floors, laminate counters, tiled backsplash, stainless steel appliances, breakfast nook and breakfast bar. The primary bedroom is located on the upper level and features carpet floors and conventional ceiling. The primary bedroom& apos; s attached bath includes luxury vinyl plank floors, lamina

Key facts

• Split-level
• Laminate floors
• Move in ready

Tags

• MOVE IN READY
• SPLIT-LEVEL
• LAMINATE FLOORS
• FIREPLACE
• LUXURY VINYL PLANK FLOORS
• LAMINATE COUNTERS

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $601 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $200k).
• Recommended offer: $197k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 81/100 on livability (#73 in IA, #1,579 nationally) — a professional / high-income tenant draw. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F.
• Pleasant Valley Community School District (suburban): math 87% / reading 85% proficiency, ranked #5 of 289 in IA (top 2%) — strong family-tenant draw, lease renewals of 3-5y typical; only 8% free/reduced lunch — higher-income household profile.
• Zoned schools: Bridgeview Elementary School (math 87% / reading 77%, grade A+, #44 of 616 statewide, top 9%, 366 students, 18% FRL); Pleasant Valley Junior High School (math 86% / reading 84%, grade A+, #9 of 246 statewide, top 3%, 856 students, 12% FRL); Pleasant Valley High School (math 83% / reading 87%, grade A, #12 of 336 statewide, top 4%, 1,658 students, 11% FRL).
• Market conditions: 5 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 805 units permitted in Scott County in 2024 (479 in 5+ unit buildings).

Forward outlook

• In year one you build about $10k of equity ($1k loan paydown + $9k appreciation (4.5% local appreciation)).
• Scott County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (4.5% appreciation + 3.0% rent growth), your $56k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($197k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 8y 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.
• Current owner paid $170k; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $460/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $197,000 (1.5% below list)

Questions for the listing agent

1. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.49% ✓
• Cap rate: 12.66%
• Cash-on-cash: 22.75%
• DSCR: 2.01
• GRM: 5.6

CMA / ARV

• ARV (on-the-fly): $283,784
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
24675 178th St	0.41mi	3/2.0	2,133 (+14%)	21mo	$325,000	$152	36

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

Projected returns pro-forma

4.53% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.0%
• Equity multiple: 2.42×
• Total profit: $79,333
• Equity at exit: $107,654

10-year hold

• IRR: 22.8%
• Equity multiple: 4.75×
• Total profit: $209,928
• Equity at exit: $181,258

Cash invested: $56,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Iowa: 83 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; mostly landlord-friendly statewide.

Methodology + full state rankings →

ZIP-level market 52767

• Home prices YoY: 2.7%
• Active inventory: 5
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $2,976 medium
• Mortgage (P&I): −$1,049
• Tax from tax record: −$157 /mo · $1,884/yr
• Insurance: −$83
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$625
• Net cashflow: $601

Break-even live

Break-even rent $2,215

Max offer price $200,000

Occupancy floor 75%

Sensitivity live

Price	-10% $715	-5% $658	+0% $601	+5% $545	+10% $488
Rent	-10% $366	-5% $484	+0% $601	+5% $719	+10% $837
Rate	-1.0pp $702	-0.5pp $652	base $601	+0.5pp $550	+1.0pp $497

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
821 1st Ave Hampton, IL	3.0	2.5	1750	$3,300	$1.89	15d	1	0.76mi
6582 Valley Dr Bettendorf, IA	3.0	3.0	2340	$2,350	$1.00	22d	1	1.25mi

Listing history 29 events

1. 2026-06-21
   days on market $200,000 Active 26 DOM
2. 2026-06-18
   days on market $200,000 Active 23 DOM
3. 2026-06-17
   days on market $200,000 Active 22 DOM
4. 2026-06-16
   days on market $200,000 Active 21 DOM
5. 2026-06-15
   days on market $200,000 Active 20 DOM
6. 2026-06-14
   days on market $200,000 Active 18 DOM
7. 2026-06-13
   days on market $200,000 Active 17 DOM
8. 2026-06-10
   days on market $200,000 Active 15 DOM
9. 2026-06-09
   days on market $200,000 Active 14 DOM
10. 2026-06-08
    days on market $200,000 Active 13 DOM
11. 2026-06-07
    days on market $200,000 Active 12 DOM
12. 2026-06-05
    days on market $200,000 Active 9 DOM
13. 2026-06-03
    days on market $200,000 Active 8 DOM
14. 2026-06-02
    days on market $200,000 Active 7 DOM
15. 2026-06-01
    days on market $200,000 Active 6 DOM
16. 2026-05-31
    days on market $200,000 Active 5 DOM
17. 2026-05-30
    days on market $200,000 Active 4 DOM
18. 2026-05-26
    listed $200,000 Active
19. 2025-12-17
    historical
20. 2025-11-21
    historical
21. 2025-09-22
    listed Active
22. 2024-10-02
    historical
23. 2024-06-13
    historical
24. 2023-09-18
    historical
25. 2018-10-10
    soldstatus $170,500
26. 2018-10-01
    soldstatus $170,400
27. 2018-10-01
    soldstatus $170,400
28. 2018-08-01
    listed $169,900
29. 2018-08-01
    listed $169,900

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

Tax reassessment forecast IA · Partial reset (capped growth)

• Current annual tax: $1,884 · $157/mo
• Projected year-2 tax: $2,512 · $209/mo
• Expected delta: +$628/yr (+$52/mo · 33.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,712
• − Mortgage interest: −$11,203
• − Property taxes: −$1,884
• − Insurance: −$6,525
• − Repairs & maintenance: −$2,857
• − Management: −$2,857
• − Depreciation: −$5,818
• Taxable income: $4,568
• Est. tax owed @ 24.0%: −$1,096
• After-tax cash flow: $6,121/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: Pleasant Valley Community School District
• NCES district ID: 1923110
• Math proficiency: 87% ▼ -4.00%
• Reading proficiency: 85% ▼ -2.00%
• Median HH income: $80,716
• Composite: 75.59/100
• National rank: #130
• State rank: #5 of 289 in IA

Livability — Bettendorf

• Score: 81/100
• State rank: #73
• US rank: #1579

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 41,264
• Population (ZIP): 287

Population outlook (Scott County) Hauer SSP2

• Today (2025): 188,878 people
• By 2030: 196,648 · +4.1%
• By 2040: 210,860 · +11.6%
• By 2050: 224,359 · +18.8%
• By 2075: 258,884 · +37.1%
• By 2100: 286,447 · +51.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Two or more races 12% Black 3% Hispanic / Latino 2%
• Common ancestry: Romanian 7% Portuguese 2%

Political lean MEDSL · Scott

• 2024 margin: Toss-up / Even · D 47.3% · R 51.2% · Other 1.4%
• 2008→2024 swing: -18.4pp toward R · 2008: 14.6pp · 2024: -3.9pp
• All cycles: 2024: R+3.9 2020: D+3.5 2016: D+1.4 2012: D+13.8 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.53%
• Current HPI: 170.5405
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.48%
• F500 in state: 4

Industry mix (Fortune 500 HQ in IA)

Industry	F500 HQs	Revenue
▸Financial Services	1	$16B
▸Retail / Convenience	1	$15B

Price history

+17.7% since first listed

12 events — show timeline

• 2026-05-26 Listed $200,000 FSBO.com
• 2025-12-17 Listing Removed — MRED as Distributed by MLS Grid
• 2025-11-21 Listing Removed — RMLSA as Distributed by MLS Grid
• 2025-09-22 Listed — RMLSA as Distributed by MLS Grid
• 2024-10-02 Listing Removed — MRED as Distributed by MLS Grid
• 2024-06-13 Listing Removed — MRED as Distributed by MLS Grid
• 2023-09-18 Listing Removed — MRED as Distributed by MLS Grid
• 2018-10-10 Sold (Public Records) $170,500 Public Records
• 2018-10-01 Sold (MLS) $170,400 RMLSA as Distributed by MLS Grid
• 2018-10-01 Sold (MLS) $170,400 MRED as Distributed by MLS Grid
• 2018-08-01 Listed $169,900 RMLSA as Distributed by MLS Grid
• 2018-08-01 Listed $169,900 MRED as Distributed by MLS Grid

Property tax history

+1.0%/yr

Latest (2025): $1,884 · -3.0% YoY. Source: county tax records.