195 Yellowtail St · Bennett, CO 80102

$479,900

3 bd · 3.0 ba · 2,237 sqft · SingleFamily public records · 179 Days on market

Built 2021 5,000 sqft lot Est $494k · at est. $60/mo HOA · 2% of rent

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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).

• Appreciation +10.0/10.0
• ARV discount +8.8/15.0
• Cash flow +8.3/30.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.3/10.0
• 1% rule +2.2/10.0
• Schools +2.1/10.0

Listing remarks MLS

Spacious two-story home featuring 3 bedrooms, 3 bathrooms, a main-floor study, upstairs loft, and convenient upstairs laundry. The open main floor flows seamlessly into the loft, creating a perfect space to relax. Warm interior tones highlight cabinets with a rich dark stone finish and crown molding, granite countertops, and laminate wood flooring throughout most of the first floor. Included features: stainless steel gas range, microwave, and dishwasher; 2-panel interior doors; 8-foot front door; landscaped front yard; and 8-foot-tall garage doors. This home offers a peaceful environment with friendly, welcoming neighbors. Ideally located near parks and shopping, including King Soopers, Subway, and McDonald's, with easy access to public transportation. Smart home features include a smart speaker, video doorbell, smart locks, Z-Wave thermostat, and more!

Key facts

• Upstairs loft
• Main floor study
• Granite countertops

Tags

• MAIN FLOOR STUDY
• UPSTAIRS LOFT
• UPSTAIRS LAUNDRY
• GRANITE COUNTERTOPS
• LAMINATE WOOD FLOORING
• STAINLESS STEEL GAS RANGE

Property features AI

Finance

• HOA & community: Homeowners association (Penrith Park HOA), professionally managed; Monthly association fee of $60 (includes grounds maintenance and trash); Pets allowed

Exterior

• Parking: Attached 2-car garage; 2 parking spaces total
• Security: Carbon monoxide detector(s); Smoke detector(s); Security entrance; Smart cameras
• Utilities: Public water; Public sewer; Paved public road frontage
• Home design: Single-family residence; Two levels; East-facing; No common walls; Individual ownership; Built by D.R. Horton (Pendleton model)
• Construction: Cement siding, frame and stone exterior; Concrete foundation (perimeter); Composition roof
• Exterior features: Private yard; Rain gutters; Covered front porch

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Oven; Refrigerator; Kitchen island; Pantry; Granite counters; Eat-in kitchen
• Bedrooms: 3 bedrooms (all on upper level); Primary suite on upper level
• Flooring: Carpet; Laminate; Vinyl
• Bathrooms: 1 full bathroom (upper level); 1 three-quarter bathroom (upper level); 1 half bathroom (main level); Total of 3 bathrooms
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Eat-in kitchen; Entrance foyer; Five-piece bath; Granite counters; High ceilings; Kitchen island; Open floorplan; Pantry; Primary suite; Smoke-free; Walk-in closet(s); Living room fireplace
• Laundry & utility: Washer; Dryer; Sump pump; Tankless water heater; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $480k.

Deal economics

• At list price, monthly cash flow is $-436 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $403k (16.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $345k (28.1% below list).
• Recommended offer: $345k (28.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#263 in CO) — a working-class tenant base; expect higher turnover. Strengths: housing A+, crime A-; Watch: cost of living D+, amenities F, commute F.
• Bennett School District No. 29J (rural): math 13% / reading 31% proficiency, ranked #69 of 86 in CO (top 80%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Bennett Preschool (71 students, 11% FRL); Bennett Middle School (math 8% / reading 42%, grade F, #168 of 270 statewide, top 63%, 304 students, 38% FRL); Bennett High School (math 22% / reading 47%, grade F, #209 of 381 statewide, top 56%, 427 students, 25% FRL) — zoned schools at 25% FRL track the district average.
• Market conditions: 213 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 2,299 units permitted in Adams County in 2024 (343 in 5+ unit buildings).

Forward outlook

• In year one you build about $51k of equity ($3k loan paydown + $48k appreciation (10.0% local appreciation)).
• Adams County population projected at +44% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$82k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 179 days — a 12% lower offer ($422k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y 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.

Recommended offer $345,277 (28.1% 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. It's been on market 179 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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?
8. 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.
9. 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.
10. 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: 0.72% ✗
• Cap rate: 5.20%
• Cash-on-cash: -3.90%
• DSCR: 0.83
• GRM: 11.6

CMA / ARV

• ARV (on-the-fly): $494,377
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
45824 Silverdrop Ave	0.09mi	3/3.0	2,222 (-1%)	0mo	$480,000	$216	94
45956 Wood Thrush Ave	0.28mi	3/3.0	2,218 (-1%)	2mo	$500,950	$226	84
45947 Gentry Ave	0.28mi	3/3.0	2,199 (-2%)	4mo	$484,950	$221	81
45907 Mill Ave	0.25mi	4/3.0 (+1)	2,184 (-2%)	1mo	$489,350	$224	79
45915 Wood Thrush Ave	0.22mi	3/3.0	2,407 (+8%)	3mo	$508,950	$211	75
45935 Gentry Ave	0.26mi	3/3.0	2,407 (+8%)	2mo	$514,950	$214	74
231 Sage Grouse Way	0.19mi	4/3.0 (+1)	2,407 (+8%)	3mo	$527,050	$219	71
46589 Sunflower Ln	0.69mi	3/3.0	1,944 (-13%)	1mo	$459,390	$236	45
46573 Sunflower Ln	0.68mi	3/3.0	1,944 (-13%)	3mo	$467,999	$241	44
46569 Sunflower Ln	0.68mi	3/3.0	1,944 (-13%)	4mo	$424,999	$219	43
46537 Sunflower Ln	0.65mi	4/4.0 (+1)	1,944 (-13%)	4mo	$429,999	$221	36
46581 Sunflower Ln	0.68mi	4/4.0 (+1)	1,930 (-14%)	3mo	$481,720	$250	34

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.5%
• Equity multiple: 2.74×
• Total profit: $233,534
• Equity at exit: $432,332

10-year hold

• IRR: 19.4%
• Equity multiple: 6.28×
• Total profit: $709,492
• Equity at exit: $932,340

Cash invested: $134,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 38 Tenant-Leaning
• State Colorado: 38 Tenant-Leaning · D+4
• County: — inherits STATE
• City: — inherits STATE

2023 reforms: 10-day cure, mandated notice, source-of-income protected. Courts backlogged in Denver.

Methodology + full state rankings →

ZIP-level market 80102

• Home prices YoY: 3.1%
• Active inventory: 213
• Price-to-rent: 11.6×

Monthly cashflow live

• Estimated rent: $3,453 medium
• Mortgage (P&I): −$2,517
• Tax from tax record: −$387 /mo · $4,649/yr
• Insurance: −$200
• HOA: −$60
• Vacancy / Maint / Mgmt: −$725
• Net cashflow: $-436

Break-even live

Break-even rent $4,005

Max offer price $402,820

Occupancy floor —

Sensitivity live

Price	-10% $-165	-5% $-301	+0% $-436	+5% $-572	+10% $-708
Rent	-10% $-709	-5% $-573	+0% $-436	+5% $-300	+10% $-164
Rate	-1.0pp $-195	-0.5pp $-314	base $-436	+0.5pp $-561	+1.0pp $-687

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: $119,975
• Closing costs: $14,397
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
129 Racer St Bennett, CO	4.0	3.0	2536	$3,500	$1.38	26d	1	0.15mi
239 Adams St Bennett, CO	3.0	2.5	1653	$3,000	$1.81	26d	1	1.19mi

HOA detail

• Monthly dues: $60 · $720/yr
• Likely covers: gas

Listing history 19 events

1. 2026-06-16
   days on market $479,900 Active 179 DOM
2. 2026-06-15
   days on market $479,900 Active 178 DOM
3. 2026-06-13
   days on market $479,900 Active 176 DOM
4. 2026-06-13
   days on market $479,900 Active 175 DOM
5. 2026-06-09
   days on market $479,900 Active 172 DOM
6. 2026-06-08
   days on market $479,900 Active 171 DOM
7. 2026-06-07
   days on market $479,900 Active 170 DOM
8. 2026-06-04
   days on market $479,900 Active 167 DOM
9. 2026-06-03
   days on market $479,900 Active 166 DOM
10. 2026-06-02
    days on market $479,900 Active 165 DOM
11. 2026-06-01
    days on market $479,900 Active 164 DOM
12. 2026-05-31
    days on market $479,900 Active 163 DOM
13. 2025-12-19
    listed $479,900 Active 865-char remark

    Show marketing remark (865 chars)

    Spacious two-story home featuring 3 bedrooms, 3 bathrooms, a main-floor study, upstairs loft, and convenient upstairs laundry. The open main floor flows seamlessly into the loft, creating a perfect space to relax. Warm interior tones highlight cabinets with a rich dark stone finish and crown molding, granite countertops, and laminate wood flooring throughout most of the first floor. Included features: stainless steel gas range, microwave, and dishwasher; 2-panel interior doors; 8-foot front door; landscaped front yard; and 8-foot-tall garage doors. This home offers a peaceful environment with friendly, welcoming neighbors. Ideally located near parks and shopping, including King Soopers, Subway, and McDonald's, with easy access to public transportation. Smart home features include a smart speaker, video doorbell, smart locks, Z-Wave thermostat, and more!

14. 2025-12-19
    listed $479,900 Active 865-char remark

    Show marketing remark (865 chars)

    Spacious two-story home featuring 3 bedrooms, 3 bathrooms, a main-floor study, upstairs loft, and convenient upstairs laundry. The open main floor flows seamlessly into the loft, creating a perfect space to relax. Warm interior tones highlight cabinets with a rich dark stone finish and crown molding, granite countertops, and laminate wood flooring throughout most of the first floor. Included features: stainless steel gas range, microwave, and dishwasher; 2-panel interior doors; 8-foot front door; landscaped front yard; and 8-foot-tall garage doors. This home offers a peaceful environment with friendly, welcoming neighbors. Ideally located near parks and shopping, including King Soopers, Subway, and McDonald's, with easy access to public transportation. Smart home features include a smart speaker, video doorbell, smart locks, Z-Wave thermostat, and more!

15. 2022-03-18
    soldstatus $454,500 Closed 810-char remark

    Show marketing remark (810 chars)

    Spacious 2-story with lots of living space! 3 bedrooms, 2.5 baths, main floor study, upstairs loft plus upstairs laundry. Open main floor plus a loft that's a perfect hide-a-way. RIch interior colors highlight dark Flagstone cabinets with crown molding, granite and laminate wood floors on most of first floor. It's just stunning! We offer and extensive list of included features in our homes such as Stainless gas range, microwave and dishwasher, 2 panel interior doors, 8' front door, front yard landscaping & 8' tall garage doors. Every home includes Smart Home features such as Smart speaker, Video doorbell, Smart locks, Z-Wave thermostat and more! 10/2/1 year New Home Warranty for peace of mind. Est move in 1st qtr 2022. Pictures are not of actual home and are representative of the floor plan.

16. 2022-03-18
    soldstatus $454,500 810-char remark

    Show marketing remark (810 chars)

    Spacious 2-story with lots of living space! 3 bedrooms, 2.5 baths, main floor study, upstairs loft plus upstairs laundry. Open main floor plus a loft that's a perfect hide-a-way. RIch interior colors highlight dark Flagstone cabinets with crown molding, granite and laminate wood floors on most of first floor. It's just stunning! We offer and extensive list of included features in our homes such as Stainless gas range, microwave and dishwasher, 2 panel interior doors, 8' front door, front yard landscaping & 8' tall garage doors. Every home includes Smart Home features such as Smart speaker, Video doorbell, Smart locks, Z-Wave thermostat and more! 10/2/1 year New Home Warranty for peace of mind. Est move in 1st qtr 2022. Pictures are not of actual home and are representative of the floor plan.

17. 2021-11-09
    status Pending 810-char remark

    Show marketing remark (810 chars)

    Spacious 2-story with lots of living space! 3 bedrooms, 2.5 baths, main floor study, upstairs loft plus upstairs laundry. Open main floor plus a loft that's a perfect hide-a-way. RIch interior colors highlight dark Flagstone cabinets with crown molding, granite and laminate wood floors on most of first floor. It's just stunning! We offer and extensive list of included features in our homes such as Stainless gas range, microwave and dishwasher, 2 panel interior doors, 8' front door, front yard landscaping & 8' tall garage doors. Every home includes Smart Home features such as Smart speaker, Video doorbell, Smart locks, Z-Wave thermostat and more! 10/2/1 year New Home Warranty for peace of mind. Est move in 1st qtr 2022. Pictures are not of actual home and are representative of the floor plan.

18. 2021-10-21
    listed $450,000 Active 810-char remark

    Show marketing remark (810 chars)

    Spacious 2-story with lots of living space! 3 bedrooms, 2.5 baths, main floor study, upstairs loft plus upstairs laundry. Open main floor plus a loft that's a perfect hide-a-way. RIch interior colors highlight dark Flagstone cabinets with crown molding, granite and laminate wood floors on most of first floor. It's just stunning! We offer and extensive list of included features in our homes such as Stainless gas range, microwave and dishwasher, 2 panel interior doors, 8' front door, front yard landscaping & 8' tall garage doors. Every home includes Smart Home features such as Smart speaker, Video doorbell, Smart locks, Z-Wave thermostat and more! 10/2/1 year New Home Warranty for peace of mind. Est move in 1st qtr 2022. Pictures are not of actual home and are representative of the floor plan.

19. 2021-10-21
    listed $450,000 810-char remark

    Show marketing remark (810 chars)

    Spacious 2-story with lots of living space! 3 bedrooms, 2.5 baths, main floor study, upstairs loft plus upstairs laundry. Open main floor plus a loft that's a perfect hide-a-way. RIch interior colors highlight dark Flagstone cabinets with crown molding, granite and laminate wood floors on most of first floor. It's just stunning! We offer and extensive list of included features in our homes such as Stainless gas range, microwave and dishwasher, 2 panel interior doors, 8' front door, front yard landscaping & 8' tall garage doors. Every home includes Smart Home features such as Smart speaker, Video doorbell, Smart locks, Z-Wave thermostat and more! 10/2/1 year New Home Warranty for peace of mind. Est move in 1st qtr 2022. Pictures are not of actual home and are representative of the floor plan.

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

Tax reassessment forecast CO · Resets to sale price

• Current annual tax: $4,649 · $387/mo
• Projected year-2 tax: $4,649 · $387/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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 6 d/yr ≥92°F today · 14 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: $41,433
• − Mortgage interest: −$26,882
• − Property taxes: −$4,649
• − Insurance: −$2,400
• − Repairs & maintenance: −$3,315
• − Management: −$3,315
• − HOA: −$720
• − Depreciation: −$13,961
• Taxable loss: −$13,807
• Est. tax savings @ 24.0%: +$3,314
• After-tax cash flow: $-1,922/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: Bennett School District No. 29J
• NCES district ID: 0802430
• Math proficiency: 13% ▼ -10.00%
• Reading proficiency: 31% ▼ -9.00%
• Median HH income: $69,795
• Composite: 21.39/100
• National rank: #8353
• State rank: #69 of 86 in CO

Livability — Bennett

• Score: 59/100
• State rank: #263
• US rank: #19691

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bennett, CO
• City population: 5,994
• Population (ZIP): 5,994

Population outlook (Adams County) Hauer SSP2

• Today (2025): 598,184 people
• By 2030: 651,880 · +9.0%
• By 2040: 759,778 · +27.0%
• By 2050: 862,889 · +44.3%
• By 2075: 1,085,994 · +81.5%
• By 2100: 1,211,318 · +102.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Hispanic / Latino 21% Two or more races 11% Black 2%
• Hispanic origin (detail): Mexican 17% Puerto Rican 1%
• Common ancestry: Serbian 4% Italian 3% Lithuanian 2%
• Foreign-born: 6% · Canada, China
• Languages at home: 87% English-only · Spanish 10% German/W. Germanic 1% Chinese 1%

Political lean MEDSL · Adams

• 2024 margin: Lean D (+9.0) · D 53.2% · R 44.1% · Other 2.7%
• 2008→2024 swing: -9.3pp toward R · 2008: 18.4pp · 2024: 9.0pp
• All cycles: 2024: D+9.0 2020: D+16.3 2016: D+7.2 2012: D+15.1 2008: D+18.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 14.94%
• Current HPI: 494.39
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.95%
• F500 in state: 14

Industry mix (Fortune 500 HQ in CO)

Industry	F500 HQs	Revenue
▸Technology Distribution	1	$31B
▸Food / Agriculture	1	$18B
▸Packaging	1	$14B
▸Healthcare	1	$13B
▸Energy	1	$10B
▸Technology	1	$4B

Price history

+6.6% since first listed

7 events — show timeline

• 2025-12-19 Listed $479,900 IRES
• 2025-12-19 Listed $479,900 REColorado as Distributed by MLS Grid
• 2022-03-18 Sold (MLS) $454,500 IRES
• 2022-03-18 Sold (MLS) $454,500 REColorado as Distributed by MLS Grid
• 2021-11-09 Pending — REColorado as Distributed by MLS Grid
• 2021-10-21 Listed $450,000 IRES
• 2021-10-21 Listed $450,000 REColorado as Distributed by MLS Grid

Property tax history

+49.3%/yr

Latest (2025): $4,649 · -3.8% YoY. Source: county tax records.