5957 S Calle DE Loma Ave · Claypool, AZ 85539

$79,900

2 bd · 1.0 ba · 888 sqft · SingleFamily public records · 1 Days on market

Built 1950 9,996 sqft lot $90/sqft · 11% above area Est $72k · 11% over

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +3.5/10.0
• Livability +3.5/5.0
• ARV discount +2.6/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0

Listing remarks MLS

This 2 bedroom 1 bath home is ready for a new owner. Priced for a quick sale.

Key facts

• 9,996 sq ft lot
• 4 parking spots
• Built 1950

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $695 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).

Location & tenants

• Location reads 69/100 on livability (#48 in AZ) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities F, commute F, health & safety F.
• Miami Unified District (4211) (rural): math 8% / reading 19% proficiency, ranked #221 of 249 in AZ (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 31 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 217 units permitted in Gila County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-2.9%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Gila County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-2.9% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $46k; list at $80k implies a 74% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $79,900

Questions for the listing agent

1. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.87% ✓
• Cap rate: 16.74%
• Cash-on-cash: 37.30%
• DSCR: 2.66
• GRM: 4.4

CMA / ARV

• ARV (median comp): $72,118
• List price: $79,900
• Delta: 1.22%
• Verdict: FAIR
• Comps: 19 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5846 S Grover Cyn Rd	0.42mi	2/2.0	988 (+11%)	6mo	$147,500	$149	53
239 S Latham Blvd	0.68mi	2/1.0	816 (-8%)	17mo	$45,000	$55	41

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

Projected returns pro-forma

-2.92% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 33.3%
• Equity multiple: 2.41×
• Total profit: $31,577
• Equity at exit: $12,183

10-year hold

• IRR: 40.2%
• Equity multiple: 4.78×
• Total profit: $84,669
• Equity at exit: $7,373

Cash invested: $22,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Arizona: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

Methodology + full state rankings →

ZIP-level market 85539

• Home prices YoY: -1.4%
• Active inventory: 31
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,497 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$35 /mo · $418/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$314
• Net cashflow: $695

Break-even live

Break-even rent $617

Max offer price $79,900

Occupancy floor 49%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
188 S Adonis Ave Miami, AZ	1.0	1.0	645	$1,650	$2.56	24d	1	1.05mi
1122 Bird St Unit A Miami, AZ	2.0	1.0	1100	$1,300	$1.18	43d	1	1.50mi

Listing history 13 events

1. 2026-06-19
   pricedays on marketlisting id $79,900 Active 1 DOM
2. 2026-06-09
   days on market $73,000 Active 49 DOM
3. 2026-06-08
   days on market $73,000 Active 48 DOM
4. 2026-06-07
   days on market $73,000 Active 47 DOM
5. 2026-06-07
   days on market $73,000 Active 46 DOM
6. 2026-06-04
   days on market $73,000 Active 43 DOM
7. 2026-06-02
   days on market $73,000 Active 42 DOM
8. 2026-06-01
   days on market $73,000 Active 41 DOM
9. 2026-05-31
   days on market $73,000 Active 40 DOM
10. 2026-05-31
    days on market $73,000 Active 39 DOM
11. 2026-05-13
    price $81,500 78-char remark

    Show marketing remark (78 chars)

    This 2 bedroom 1 bath home is ready for a new owner. Priced for a quick sale.

12. 2026-04-09
    listed $94,500 Active 78-char remark

    Show marketing remark (78 chars)

    This 2 bedroom 1 bath home is ready for a new owner. Priced for a quick sale.

13. 2004-06-18
    soldstatus $46,000

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

Tax reassessment forecast AZ · Resets to sale price

• Current annual tax: $418 · $35/mo
• Projected year-2 tax: $527 · $44/mo
• Expected delta: +$109/yr (+$9/mo · 26.2%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone D · 74% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥101°F today · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,962
• − Mortgage interest: −$4,476
• − Property taxes: −$418
• − Insurance: −$400
• − Repairs & maintenance: −$1,437
• − Management: −$1,437
• − Depreciation: −$2,324
• Taxable income: $7,470
• Est. tax owed @ 24.0%: −$1,793
• After-tax cash flow: $6,551/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: Miami Unified District (4211)
• NCES district ID: 0405030
• Math proficiency: 8% ▼ -17.00%
• Reading proficiency: 19% ▼ -5.00%
• Median HH income: $33,063
• Composite: 10.86/100
• National rank: #9760
• State rank: #221 of 249 in AZ

Livability — Claypool

• Score: 69/100
• State rank: #48
• US rank: #8966

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Claypool, AZ
• City population: 374
• Population (ZIP): 3,066

Population outlook (Gila County) Hauer SSP2

• Today (2025): 50,229 people
• By 2030: 48,202 · -4.0%
• By 2040: 44,101 · -12.2%
• By 2050: 41,041 · -18.3%
• By 2075: 37,536 · -25.3%
• By 2100: 32,485 · -35.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: Hispanic / Latino 47% White 39% Two or more races 33% Native American 5%
• Hispanic origin (detail): Mexican 44%
• Common ancestry: Slovak 6% Italian 2% Romanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 85% English-only · Spanish 12%

Political lean MEDSL · Gila

• 2024 margin: Solid R (+37.6) · D 30.8% · R 68.4%
• 2008→2024 swing: -9.8pp toward R · 2008: -27.8pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+34.1 2016: R+32.4 2012: R+26.4 2008: R+27.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -2.92%
• Current HPI: 207.4672
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 4.54%
• F500 in state: 20

Industry mix (Fortune 500 HQ in AZ)

Industry	F500 HQs	Revenue
▸Technology	2	$13B
▸Mining / Metals	1	$23B
▸Environmental Services	1	$16B
▸Metals / Steel	1	$14B
▸Technology Distribution	1	$9B
▸Homebuilding	1	$8B

Price history

+77.2% since first listed

3 events — show timeline

• 2026-05-13 Price Changed $81,500 ARMLS
• 2026-04-09 Listed $94,500 ARMLS
• 2004-06-18 Sold (Public Records) $46,000 Public Records

Property tax history

+5.6%/yr

Latest (2025): $418 · +8.0% YoY. Source: county tax records.