804 W 14th St · Davenport, IA 52804

$99,900

4 bd · 1.0 ba · 1,746 sqft · SingleFamily public records · 27 Days on market

Built 1910 0.28 ac lot Est $150k · 33% under

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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 +29.3/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.3/10.0
• Livability +4.0/5.0
• Schools +3.9/10.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Investor opportunity with immediate cash flow! This 4 bedroom, 1 bath 2-story home at 804 W 14th St is tenant occupied with current rent of $1,320/month. Major updates have already been completed, including a brand new foundation in 2026 that was inspected and signed off by the City of Davenport, plus a roof replacement in 2022 for added peace of mind. Inside, you'll find large bedrooms, a vaulted kitchen ceiling that adds character and openness, and a fenced backyard. Property is being sold tenant occupied. No showings allowed until an accepted offer is in place in order to respect tenant privacy and minimize disturbance.

Key facts

• New foundation
• Roof replacement
• Fenced backyard

Tags

• NEW FOUNDATION
• ROOF REPLACEMENT
• FENCED BACKYARD

Property features AI

Finance

• Other: Property listed as currently leased
• HOA & community: No master association fee required

Exterior

• Parking: Total parking for 4 vehicles
• Utilities: Public water; Public sewer; Electric service information not specified
• Home design: Detached single-family home; 2 stories; Fee simple ownership; Property is currently leased; Estimated age: 100+ years; Facing/directions info not provided
• Construction: Vinyl siding; Asphalt roof; Block foundation; Unfinished basement (approx. 981); Approx. total finished area reported as 1,746
• Exterior features: Fenced yard; Lot dimensions approx. 80 x 150

Interior

• Kitchen: Range; Microwave; Refrigerator; Tile flooring in kitchen (approx. 12 x 15)
• Bedrooms: Master bedroom on main level (carpeted, approx. 12 x 14); Bedroom 2 on second level (carpeted, approx. 11 x 11); Bedroom 3 on second level (carpeted, approx. 13 x 15); Bedroom 4 on second level (carpeted, approx. 12 x 12)
• Flooring: Carpet in living areas and most bedrooms; Tile in kitchen
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas heating with forced air; Window air conditioning units
• Interior features: First-floor bedroom; 7 total rooms
• Laundry & utility: Laundry in unit on main level; Washer; Dryer; Unfinished full basement

🏷️ Possibly a rental listed for sale. The $99,900 price doesn't fit this home's estimated sale value (~$150,156) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $353 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $98k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.5% vs local median 4.4% in Davenport — 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 79/100 on livability (#126 in IA, #2,312 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, crime F.
• Davenport Community School District (urban): math 43% / reading 50% proficiency, ranked #288 of 289 in IA (top 100%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+4.0%/yr); 161 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 805 units permitted in Scott County in 2024 (479 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Scott County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 4.0% rent growth), your $28k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($98k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 23y 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 $65k; list at $100k implies a 54% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price; built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $98,401 (1.5% below list)

Questions for the listing agent

1. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.43% ✓
• Cap rate: 10.53%
• Cash-on-cash: 15.13%
• DSCR: 1.67
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $150,156
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1121 W 15th St	0.27mi	3/1.5 (-1)	1,699 (-3%)	1mo	$129,000	$76	75
1127 N Ripley St St	0.37mi	4/1.0	1,660 (-5%)	3mo	$93,000	$56	72
813 W Locust St	0.26mi	3/1.5 (-1)	1,839 (+5%)	1mo	$190,000	$103	71
1012 W 16th St	0.22mi	4/1.0	1,917 (+10%)	4mo	$165,000	$86	70
1527 N Marquette St	0.35mi	4/1.5	1,558 (-11%)	1mo	$80,444	$52	63
903 Vine St	0.38mi	3/— (-1)	1,880 (+8%)	3mo	$21,600	$11	62
1222 Pershing Ave	0.69mi	4/1.5	1,800 (+3%)	3mo	$90,000	$50	58
2133 Warren St	0.49mi	3/1.0 (-1)	1,626 (-7%)	4mo	$195,000	$120	57
617 Warren St	0.55mi	3/1.0 (-1)	1,565 (-10%)	1mo	$85,000	$54	51
2002 Lillie Ave	0.47mi	3/2.0 (-1)	1,936 (+11%)	4mo	$237,000	$122	48
2414 Armil Pl	0.72mi	3/2.0 (-1)	1,898 (+9%)	1mo	$320,000	$169	42
2211 Western Ave	0.59mi	3/2.0 (-1)	1,484 (-15%)	3mo	$175,000	$118	36

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 · 3.99% rent growth · sell at horizon

5-year hold

• IRR: 7.0%
• Equity multiple: 1.28×
• Total profit: $7,780
• Equity at exit: $14,895

10-year hold

• IRR: 17.3%
• Equity multiple: 2.50×
• Total profit: $41,999
• Equity at exit: $8,638

Cash invested: $27,972 (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 52804

• Home prices YoY: -25.3%
• Rents YoY: 4.0%
• Active inventory: 161
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,426 high
• Mortgage (P&I): −$524
• Tax from tax record: −$209 /mo · $2,502/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$299
• Net cashflow: $353

Break-even live

Break-even rent $980

Max offer price $99,900

Occupancy floor 70%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1315 Brown St Unit 2 Davenport, IA	3.0	1.0	1300	$1,250	$0.96	21d	1	0.05mi
915 W 14th St Davenport, IA	3.0	1.0	1390	$900	$0.65	44d	1	0.08mi
1323 N Gaines St Davenport, IA	4.0	2.0	1733	$1,350	$0.78	21d	1	0.13mi
621 W 15th St Davenport, IA	4.0	2.0	1833	$1,500	$0.82	14d	1	0.15mi
537 W 16th St Davenport, IA	3.0	1.0	1311	$1,400	$1.07	44d	1	0.23mi
1511 N Ripley St Davenport, IA	4.0	2.0	1872	$1,450	$0.77	21d	1	0.36mi
1421 N Main St #2 Davenport, IA	3.0	1.0	1350	$1,095	$0.81	44d	1	0.51mi
119 E 13th St Davenport, IA	3.0	1.0	1728	$1,495	$0.87	44d	1	0.62mi
427 N Brady St Unit 1 Davenport, IA	3.0	1.5	1126	$1,359	$1.21	44d	1	0.90mi
401 Brady St Davenport, IA	1.0–3.0	1.0–2.0	870	$2,100	$2.41	14d	2	0.92mi
1723 W Locust St Davenport, IA	3.0	1.0	1690	$1,395	$0.83	44d	1	0.94mi
1716 W 7th St Davenport, IA	4.0	1.0	1278	$1,712	$1.34	14d	1	0.94mi
511 Pershing Ave Unit 301E Davenport, IA	3.0	2.0	1429	$2,126	$1.49	44d	1	0.96mi
511 Pershing Ave Unit 106E Davenport, IA	3.0	2.0	1349	$1,996	$1.48	44d	1	0.96mi
427 Pershing Ave Davenport, IA	3.0	2.0	1438	$2,288	$1.59	14d	3	1.00mi
212 N Brady St Davenport, IA	2.0–3.0	2.0–3.0	1428	$2,600	$1.82	14d	4	1.01mi
2209 Farnam St Unit 2211 Davenport, IA	3.0	1.0	1138	$1,050	$0.92	21d	1	1.10mi
616 E 6th St Davenport, IA	4.0	1.0	1578	$1,712	$1.08	44d	1	1.13mi
736 Federal St Davenport, IA	1.0–3.0	1.0–2.0	1186	$1,868	$1.57	21d	1	1.27mi
1912 Dixwell St Davenport, IA	4.0	2.0	1116	$1,300	$1.16	44d	1	1.48mi

Listing history 34 events

1. 2026-06-18
   days on market $99,900 Active 27 DOM
2. 2026-06-17
   price $99,900 Active 26 DOM
3. 2026-06-17
   days on market $102,900 Active 26 DOM
4. 2026-06-16
   days on market $102,900 Active 25 DOM
5. 2026-06-15
   days on market $102,900 Active 24 DOM
6. 2026-06-14
   days on market $102,900 Active 22 DOM
7. 2026-06-13
   days on market $102,900 Active 21 DOM
8. 2026-06-10
   days on market $102,900 Active 19 DOM
9. 2026-06-09
   days on market $102,900 Active 18 DOM
10. 2026-06-08
    days on market $102,900 Active 17 DOM
11. 2026-06-07
    days on market $102,900 Active 16 DOM
12. 2026-06-03
    days on market $102,900 Active 12 DOM
13. 2026-06-02
    days on market $102,900 Active 11 DOM
14. 2026-06-01
    days on market $102,900 Active 10 DOM
15. 2026-05-31
    days on market $102,900 Active 9 DOM
16. 2026-05-30
    days on market $102,900 Active 8 DOM
17. 2026-05-22
    listed $102,900 Active
18. 2022-03-26
    price $1,300
19. 2021-08-06
    historical
20. 2021-08-06
    historical
21. 2021-08-06
    historical
22. 2021-08-06
    historical
23. 2021-08-06
    historical
24. 2021-01-19
    soldstatus $65,000
25. 2020-11-12
    soldstatus $69,000
26. 2020-11-10
    soldstatus $69,000
27. 2019-12-16
    listed $79,900
28. 2009-01-08
    soldstatus $85,000
29. 2007-08-31
    historical
30. 2006-03-31
    soldstatus $37,275
31. 2006-01-04
    listed $56,050
32. 2005-11-25
    listed $50,150
33. 2003-10-17
    soldstatus $59,900
34. 2003-08-29
    listed $59,900

ⓘ 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: $2,502 · $209/mo
• Projected year-2 tax: $2,502 · $209/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 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 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,114
• − Mortgage interest: −$5,596
• − Property taxes: −$2,502
• − Insurance: −$500
• − Repairs & maintenance: −$1,369
• − Management: −$1,369
• − Depreciation: −$2,906
• Taxable income: $2,872
• Est. tax owed @ 24.0%: −$689
• After-tax cash flow: $3,543/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: Davenport Community School District
• NCES district ID: 1908580
• Math proficiency: 43% ▼ -11.00%
• Reading proficiency: 50% ▼ -3.00%
• Median HH income: $46,157
• Composite: 39.49/100
• National rank: #3951
• State rank: #288 of 289 in IA

Livability — Davenport

• Score: 79/100
• State rank: #126
• US rank: #2312

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Davenport, IA
• County: Scott County · 144,583 people
• City population: 103,319
• Metro: Davenport-Moline-Rock Island, IA-IL
• Population (ZIP): 26,835
• Household income: $65,849
• Rent vs Own: 32.9% rent · 67.1% own
• Severe rent burden: 830.0

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 (71%)
• Race & ethnicity: White 71% Black 10% Hispanic / Latino 10% Two or more races 9% Asian 2%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Iranian 2% Romanian 2% Portuguese 1%
• Foreign-born: 4% · Canada, China, Vietnam
• Languages at home: 94% English-only · Spanish 3% Russian/Polish/Slavic 1% Chinese 1%

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: ▼ -66.50%
• Current HPI: 196.2267
• Rent YoY: ▲ 3.99%
• Metro: Davenport-Moline-Rock Island, IA-IL
• 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

+71.8% since first listed

18 events — show timeline

• 2026-05-22 Listed $102,900 MRED as Distributed by MLS Grid
• 2022-03-26 Price Changed $1,300 RENT.
• 2021-08-06 Listing Removed — RMLSA as Distributed by MLS Grid
• 2021-08-06 Listing Removed — RMLSA as Distributed by MLS Grid
• 2021-08-06 Listing Removed — RMLSA as Distributed by MLS Grid
• 2021-08-06 Listing Removed — RMLSA as Distributed by MLS Grid
• 2021-08-06 Listing Removed — RMLSA as Distributed by MLS Grid
• 2021-01-19 Sold (Public Records) $65,000 Public Records
• 2020-11-12 Sold (Public Records) $69,000 Public Records
• 2020-11-10 Sold (MLS) $69,000 RMLSA as Distributed by MLS Grid
• 2019-12-16 Listed $79,900 RMLSA as Distributed by MLS Grid
• 2009-01-08 Sold (Public Records) $85,000 Public Records
• 2007-08-31 Listing Removed — MRED as Distributed by MLS Grid
• 2006-03-31 Sold (MLS) $37,275 RMLSA as Distributed by MLS Grid
• 2006-01-04 Listed $56,050 RMLSA as Distributed by MLS Grid
• 2005-11-25 Listed $50,150 DMMLS
• 2003-10-17 Sold (MLS) $59,900 RMLSA as Distributed by MLS Grid
• 2003-08-29 Listed $59,900 RMLSA as Distributed by MLS Grid

Property tax history

+5.3%/yr

Latest (2025): $2,502 · -20.2% YoY. Source: county tax records.