1305 N 7th St · Chariton, IA 50049

$64,999

2 bd · 1.0 ba · 880 sqft · SingleFamily public records · 382 Days on market

Built 1900 9,148 sqft lot Est $100k · 35% under ↓ 32% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +5.1/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

Key facts

• Detached garage
• 9,148 sq ft lot
• Garage

Tags

• DETACHED GARAGE
• SEPTIC INSPECTION PASSED

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $401 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Recommended offer: $57k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.7% vs local median 4.6% in Chariton — 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 80/100 on livability (#84 in IA, #1,703 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, amenities F, commute F.
• Chariton Community School District (town): math 57% / reading 65% proficiency, ranked #241 of 289 in IA (top 83%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 81 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 3 units permitted in Lucas County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $449 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Lucas County population projected at -23% 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 $18k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 382 days — a 12% lower offer ($57k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $30k (32%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $57,199 (12.0% below list)

Questions for the listing agent

1. It's been on market 382 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 1900 — 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 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?
6. 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.
7. 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.
8. 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: 1.69% ✓
• Cap rate: 13.69%
• Cash-on-cash: 26.41%
• DSCR: 2.18
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $100,320
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1305 N 7th St	0.00mi	2/1.0	880 (0%)	1mo	$64,999	$74	99
837 8th St	0.41mi	2/1.0	936 (+6%)	6mo	$162,500	$174	65
833 Main St N	0.47mi	2/1.0	832 (-6%)	8mo	$40,000	$48	62
901 N 5th St	0.42mi	2/1.5	936 (+6%)	7mo	$110,000	$118	62
901 Ilion Ave	0.34mi	3/2.0 (+1)	960 (+9%)	19mo	$159,900	$167	44
800 N 6th St	0.47mi	2/1.0	959 (+9%)	23mo	$109,000	$114	44
702 Osage Ave	0.73mi	2/1.0	1,008 (+14%)	14mo	$175,000	$174	30
713 N 13th Street St	0.73mi	2/1.0	748 (-15%)	19mo	$68,000	$91	25
1125 Orchard Ave	0.73mi	2/1.0	1,002 (+14%)	23mo	$112,900	$113	24

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

5-year hold

• IRR: 20.2%
• Equity multiple: 1.82×
• Total profit: $15,007
• Equity at exit: $9,692

10-year hold

• IRR: 28.5%
• Equity multiple: 3.53×
• Total profit: $46,034
• Equity at exit: $5,620

Cash invested: $18,200 (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 50049

• Home prices YoY: -4.4%
• Active inventory: 81
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,100 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$100 /mo · $1,206/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $401

Break-even live

Break-even rent $593

Max offer price $64,999

Occupancy floor 59%

Sensitivity live

Price	-10% $437	-5% $419	+0% $401	+5% $382	+10% $364
Rent	-10% $314	-5% $357	+0% $401	+5% $444	+10% $487
Rate	-1.0pp $433	-0.5pp $417	base $401	+0.5pp $384	+1.0pp $367

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1833 Curtis Ave Unit A210 Chariton, IA	2.0	2.0	954	$1,100	$1.15	44d	1	0.93mi

Listing history 21 events

1. 2026-06-01
   statusdays on marketlisting id $64,999 Active 382 DOM
2. 2026-04-24
   status Pending
3. 2026-04-20
   price $64,999 1053-char remark

   Show marketing remark (1053 chars)

   Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

4. 2026-04-20
   price $64,999

   Show marketing remark (1053 chars)

   Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

5. 2026-01-08
   price $69,999 1053-char remark

   Show marketing remark (1053 chars)

   Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

6. 2026-01-08
   price $69,999

   Show marketing remark (1053 chars)

   Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

7. 2025-10-29
   price $72,999 1053-char remark

   Show marketing remark (1053 chars)

   Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

8. 2025-10-29
   price $72,999

   Show marketing remark (1053 chars)

   Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

9. 2025-10-01
   price $74,999 1053-char remark

   Show marketing remark (1053 chars)

   Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

10. 2025-10-01
    price $74,999

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

11. 2025-08-27
    price $79,999 1053-char remark

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

12. 2025-08-27
    price $79,999

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

13. 2025-07-25
    price $84,999
14. 2025-07-09
    price $87,499 1053-char remark

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

15. 2025-07-09
    price $87,499

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

16. 2025-06-09
    price $89,999 1053-char remark

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

17. 2025-06-09
    price $89,999

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

18. 2025-05-27
    price $92,499 1053-char remark

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

19. 2025-05-27
    price $92,499

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

20. 2025-05-15
    listed $94,999 Active

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

21. 2025-05-15
    listed $94,999 Active 1053-char remark

    Show marketing remark (1053 chars)

    Welcome to this charming 2-bedroom, 1-bathroom bungalow located just minutes from the Hy-Vee Distribution Center and all the amenities Chariton has to offer! This home offers a great opportunity for buyers looking to build equity and make a home their own. The interior has been freshly painted, giving it a clean and inviting feel, while the layout provides a cozy and functional space for everyday living. The detached 1-car garage adds convenience and extra storage. While there are still some projects to be completed, the major step of the septic inspection and pumping has already been taken care of—it’s passed and approved with the county, giving peace of mind to the next owner. This home is full of potential and ready for someone to come in, make it their own, and bring their vision to life. Whether you're a first-time buyer, investor, or looking for a small-town retreat, this property offers solid value and a great location. Don’t miss your chance to unlock the possibilities! 13 Mo HWA Platinum Home Warranty included!

ⓘ 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: $1,206 · $100/mo
• Projected year-2 tax: $1,206 · $100/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 3/10 Moderate 7 d/yr ≥105°F today · 15 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: $13,200
• − Mortgage interest: −$3,641
• − Property taxes: −$1,206
• − Insurance: −$325
• − Repairs & maintenance: −$1,056
• − Management: −$1,056
• − Depreciation: −$1,891
• Taxable income: $4,025
• Est. tax owed @ 24.0%: −$966
• After-tax cash flow: $3,841/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: Chariton Community School District
• NCES district ID: 1907050
• Math proficiency: 57% ▼ -11.00%
• Reading proficiency: 65% ▼ -6.00%
• Median HH income: $44,415
• Composite: 51.35/100
• National rank: #1738
• State rank: #241 of 289 in IA

Livability — Chariton

• Score: 80/100
• State rank: #84
• US rank: #1703

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chariton, IA
• Population (ZIP): 6,425

Population outlook (Lucas County) Hauer SSP2

• Today (2025): 8,106 people
• By 2030: 7,755 · -4.3%
• By 2040: 7,007 · -13.6%
• By 2050: 6,265 · -22.7%
• By 2075: 4,926 · -39.2%
• By 2100: 3,792 · -53.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2% Asian 1%
• Common ancestry: Iranian 3% Italian 2% Slovak 2%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · German/W. Germanic 2% Spanish 2% Other Asian/Pacific 1%

Political lean MEDSL · Lucas

• 2024 margin: Solid R (+48.1) · D 25.2% · R 73.3% · Other 1.5%
• 2008→2024 swing: -41.4pp toward R · 2008: -6.7pp · 2024: -48.1pp
• All cycles: 2024: R+48.1 2020: R+43.3 2016: R+38.1 2012: R+6.3 2008: R+6.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -10.20%
• Current HPI: 220.0223
• 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

-31.6% since first listed

20 events — show timeline

• 2026-04-24 Pending — DMMLS
• 2026-04-20 Price Changed $64,999 IAR
• 2026-04-20 Price Changed $64,999 DMMLS
• 2026-01-08 Price Changed $69,999 IAR
• 2026-01-08 Price Changed $69,999 DMMLS
• 2025-10-29 Price Changed $72,999 IAR
• 2025-10-29 Price Changed $72,999 DMMLS
• 2025-10-01 Price Changed $74,999 IAR
• 2025-10-01 Price Changed $74,999 DMMLS
• 2025-08-27 Price Changed $79,999 IAR
• 2025-08-27 Price Changed $79,999 DMMLS
• 2025-07-25 Price Changed $84,999 DMMLS
• 2025-07-09 Price Changed $87,499 IAR
• 2025-07-09 Price Changed $87,499 DMMLS
• 2025-06-09 Price Changed $89,999 IAR
• 2025-06-09 Price Changed $89,999 DMMLS
• 2025-05-27 Price Changed $92,499 IAR
• 2025-05-27 Price Changed $92,499 DMMLS
• 2025-05-15 Listed $94,999 IAR
• 2025-05-15 Listed $94,999 DMMLS

Property tax history

+0.8%/yr

Latest (2025): $1,206 · +5.8% YoY. Source: county tax records.