41571 W Chimayo Ct · Maricopa, AZ 85138

$324,999

3 bd · 2.5 ba · 2,432 sqft · SingleFamily public records · 65 Days on market

Built 2006 6,656 sqft lot $134/sqft · 12% below area Est $369k · 12% under $92/mo HOA · 4% 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).

• ARV discount +12.8/15.0
• Cash flow +7.4/30.0
• Appreciation +4.6/10.0
• Livability +3.6/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• 1% rule +1.7/10.0
• DSCR +1.5/10.0

Listing remarks MLS

NEW SOLAR IN 2024. TO BE PAID OFF AT CLOSE BY SELLER AT CLOSING! This stunning 3 BD | 2.5 BA + Loft home sits on a quiet cul-de-sac & delivers 2,433 SF of beautifully designed living space. The open-concept kitchen impresses w/ a large center island, SS appliances & an abundance of natural light. Retreat to the spacious primary suite featuring dual sinks, soaking tub & walk-in closet. The oversized upstairs loft is ideal for a home office, playroom or flex space. Step outside to a fully landscaped backyard w/ turf & pavers, perfect for entertaining year-round under the Arizona sky. Low HOA unlocks resort style amenities: pools, fitness center, tennis & more. Tucked in one of Maricopa's most desirable master-planned communities & priced to sell. Don't miss this one!

Key facts

• Dual sinks
• Open-concept kitchen
• Primary suite

Tags

• CUL-DE-SAC
• OPEN-CONCEPT KITCHEN
• CENTER ISLAND
• NATURAL LIGHT
• PRIMARY SUITE
• DUAL SINKS

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $-421 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $251k (22.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $216k (33.5% below list).
• Recommended offer: $216k (33.5% below list) — sets the bar for 1% rule.
• Cap rate 4.7% vs local median 3.6% in Maricopa — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 72/100 on livability (#28 in AZ) — a middle-class / working-renter tenant base. Strengths: housing A+, employment A-, crime B+; Watch: amenities F, commute F, health & safety F.
• Maricopa Unified School District (4441) (town): math 20% / reading 29% proficiency, ranked #128 of 249 in AZ (top 51%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising (+1.8%/yr); 860 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 9,504 units permitted in Pinal County in 2024 (776 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-0.9%/yr); year-one equity from $2k of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($305k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 6y 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 $265k; 23% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major flood risk; major wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $216,248 (33.5% 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 65 days. Have you received any prior offers? Is the seller open to a 33% 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 B-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?
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: 0.67% ✗
• Cap rate: 4.74%
• Cash-on-cash: -5.55%
• DSCR: 0.75
• GRM: 12.5

CMA / ARV

• ARV (median comp): $368,826
• List price: $324,999
• Delta: -11.88%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
41709 W Springtime Rd	0.22mi	3/2.5	2,435 (+0%)	2mo	$540,000	$222	88
41623 W Springtime Rd	0.20mi	3/3.0	2,605 (+7%)	1mo	$440,000	$169	76
19138 N Stonegate Rd	0.42mi	3/2.0	2,287 (-6%)	0mo	$486,000	$213	69
20051 N Monte Ln	0.45mi	2/2.5 (-1)	2,534 (+4%)	0mo	$450,000	$178	67
41917 W Carlisle Ln	0.31mi	4/2.5 (+1)	2,737 (+12%)	1mo	$412,000	$151	58
41285 W Pryor Ln	0.68mi	4/2.5 (+1)	2,482 (+2%)	2mo	$358,750	$145	58
41413 W James Ln	0.33mi	3/2.0	2,097 (-14%)	2mo	$382,000	$182	58
41385 W Centennial Dr	0.46mi	3/2.5	2,100 (-14%)	0mo	$399,900	$190	56
40954 W Brandt Dr	0.69mi	3/2.0	2,263 (-7%)	1mo	$398,000	$176	53
19887 N Herbert Ave	0.51mi	4/2.0 (+1)	2,097 (-14%)	1mo	$375,000	$179	45
41247 W Walker Way	0.64mi	4/2.5 (+1)	2,108 (-13%)	2mo	$280,000	$133	41
40556 W James Ln	0.74mi	3/2.0	2,100 (-14%)	1mo	$335,000	$160	40

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

Projected returns pro-forma

-0.89% appreciation · 1.78% rent growth · sell at horizon

5-year hold

• IRR: -13.4%
• Equity multiple: 0.43×
• Total profit: $-52,302
• Equity at exit: $80,206

10-year hold

• IRR: -7.7%
• Equity multiple: 0.31×
• Total profit: $-62,556
• Equity at exit: $85,727

Cash invested: $91,000 (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 85138

• Home prices YoY: -0.3%
• Rents YoY: 1.8%
• Active inventory: 860
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $2,162 high
• Mortgage (P&I): −$1,704
• Tax from tax record: −$198 /mo · $2,373/yr
• Insurance: −$135
• HOA: −$92
• Vacancy / Maint / Mgmt: −$454
• Net cashflow: $-421

Break-even live

Break-even rent $2,696

Max offer price $250,610

Occupancy floor —

Sensitivity live

Price	-10% $-237	-5% $-329	+0% $-421	+5% $-513	+10% $-605
Rent	-10% $-592	-5% $-507	+0% $-421	+5% $-336	+10% $-250
Rate	-1.0pp $-257	-0.5pp $-338	base $-421	+0.5pp $-505	+1.0pp $-591

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: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
19488 N Falcon Ln Maricopa, AZ	4.0	3.0	1836	$2,300	$1.25	12d	1	0.10mi
41363 W Williams Way Maricopa, AZ	4.0	2.0	1599	$1,739	$1.09	44d	1	0.30mi
41094 W Somers Dr Maricopa, AZ	4.0	2.0	1612	$1,850	$1.15	3d	1	0.49mi
41057 W Ganley Way Maricopa, AZ	4.0	2.5	1908	$1,965	$1.03	6d	1	0.53mi
41885 W Celebration Ln Maricopa, AZ	2.0	2.0	1911	$2,700	$1.41	44d	1	0.61mi
41177 W Lucera Ln Maricopa, AZ	3.0	2.0	1838	$1,875	$1.02	6d	1	0.65mi
41342 W Capistrano Dr Maricopa, AZ	3.0	2.5	2201	$1,800	$0.82	6d	1	0.66mi
20520 N Candlelight Rd Maricopa, AZ	2.0	2.0	1613	$1,795	$1.11	17d	1	0.66mi
40481 W Jenna Ln Maricopa, AZ	4.0	2.0	1819	$1,820	$1.00	6d	1	0.69mi
42348 W Fountainhead St Maricopa, AZ	2.0	2.0	1700	$2,600	$1.53	44d	1	0.70mi
20580 N Confetti Ct Maricopa, AZ	2.0	2.0	1905	$2,550	$1.34	25d	1	0.76mi
41261 W Laramie Rd Maricopa, AZ	4.0	2.5	2691	$1,895	$0.70	13d	1	0.85mi
42826 W Darter Dr Maricopa, AZ	2.0	2.0	1596	$1,875	$1.17	25d	1	0.86mi
18184 N Calacera St Maricopa, AZ	3.0	2.0	1603	$1,795	$1.12	17d	1	0.91mi
18426 N Lariat Rd Maricopa, AZ	4.0	2.5	2567	$1,995	$0.78	44d	1	0.97mi
40907 W Robbins Dr Maricopa, AZ	4.0	2.0	1891	$1,749	$0.92	23d	1	0.98mi
40404 W Molly Ln Maricopa, AZ	3.0	2.5	1803	$1,695	$0.94	44d	1	0.98mi
40174 W Brandt Dr Maricopa, AZ	3.0	2.0	2115	$1,849	$0.87	5d	1	1.03mi
40250 W Green Ct Maricopa, AZ	3.0	2.0	1682	$2,395	$1.42	44d	1	1.03mi
40584 W Helen Ct Maricopa, AZ	3.0	2.5	1940	$2,300	$1.19	4d	1	1.05mi
43223 W Neely Dr Maricopa, AZ	4.0	2.0	2223	$2,900	$1.30	17d	1	1.07mi
18967 N Leland Rd Maricopa, AZ	4.0	2.5	2275	$1,000	$0.44	5d	1	1.07mi
41209 W Hayden Dr Maricopa, AZ	4.0	3.0	2837	$3,500	$1.23	44d	1	1.08mi
43194 W Jeremy St Maricopa, AZ	4.0	2.5	2424	$1,699	$0.70	44d	1	1.09mi
43250 W Estrada St Maricopa, AZ	4.0	2.0	2349	$1,950	$0.83	25d	1	1.09mi
41334 W Hayden Dr Maricopa, AZ	3.0	2.0	2150	$1,689	$0.79	44d	1	1.10mi
43205 W Jeremy St Maricopa, AZ	3.0	2.0	1699	$1,850	$1.09	6d	1	1.10mi
40086 W Bonneau St Maricopa, AZ	3.0	2.0	1878	$1,699	$0.90	6d	1	1.12mi
40086 W Bonneau St Maricopa, AZ	4.0	2.0	1878	$1,729	$0.92	17d	1	1.12mi
43386 W Arizona Ave Maricopa, AZ	4.0	3.0	2274	$1,839	$0.81	13d	1	1.17mi
43386 W Arizona Ave Maricopa, AZ	4.0	3.0	2274	$1,839	$0.81	23d	1	1.17mi
43368 W Palmen Dr Maricopa, AZ	4.0	2.5	2200	$1,889	$0.86	44d	1	1.17mi
21357 N Liles Ln Maricopa, AZ	4.0	3.0	2635	$2,300	$0.87	12d	1	1.17mi
43410 W Wild Horse Trl Maricopa, AZ	4.0	2.0	2349	$1,845	$0.79	12d	1	1.18mi
43205 W Roth Rd Maricopa, AZ	4.0	2.0	2216	$2,100	$0.95	12d	1	1.25mi
43205 W Roth Rd Maricopa, AZ	4.0	2.0	2215	$2,200	$0.99	44d	1	1.25mi
43371 W Elizabeth Ave Maricopa, AZ	4.0	2.5	2274	$1,739	$0.76	44d	1	1.25mi
43332 W Griffis Dr Maricopa, AZ	4.0	2.0	2235	$4,200	$1.88	44d	1	1.28mi
19696 N Madison Dr Maricopa, AZ	4.0	2.5	2219	$3,400	$1.53	25d	1	1.28mi
18283 N Presley Ln Maricopa, AZ	3.0	2.5	2156	$2,000	$0.93	25d	1	1.35mi

HOA detail

• Monthly dues: $92 · $1,104/yr
• Likely covers: poolgym

Listing history 31 events

1. 2026-06-21
   days on market $324,999 Active 65 DOM
2. 2026-06-18
   days on market $324,999 Active 62 DOM
3. 2026-06-17
   days on market $324,999 Active 61 DOM
4. 2026-06-16
   days on market $324,999 Active 60 DOM
5. 2026-06-15
   days on market $324,999 Active 59 DOM
6. 2026-06-13
   days on market $324,999 Active 57 DOM
7. 2026-06-13
   days on market $324,999 Active 56 DOM
8. 2026-06-09
   days on market $324,999 Active 53 DOM
9. 2026-06-08
   days on market $324,999 Active 52 DOM
10. 2026-06-07
    days on market $324,999 Active 51 DOM
11. 2026-06-04
    days on market $324,999 Active 48 DOM
12. 2026-06-03
    days on market $324,999 Active 47 DOM
13. 2026-06-02
    days on market $324,999 Active 46 DOM
14. 2026-06-01
    days on market $324,999 Active 45 DOM
15. 2026-05-31
    days on market $324,999 Active 44 DOM
16. 2026-04-17
    listed $340,000 Active 799-char remark

    Show marketing remark (799 chars)

    NEW SOLAR IN 2024. TO BE PAID OFF AT CLOSE BY SELLER AT CLOSING! This stunning 3 BD | 2.5 BA + Loft home sits on a quiet cul-de-sac & delivers 2,433 SF of beautifully designed living space. The open-concept kitchen impresses w/ a large center island, SS appliances & an abundance of natural light. Retreat to the spacious primary suite featuring dual sinks, soaking tub & walk-in closet. The oversized upstairs loft is ideal for a home office, playroom or flex space. Step outside to a fully landscaped backyard w/ turf & pavers, perfect for entertaining year-round under the Arizona sky. Low HOA unlocks resort style amenities: pools, fitness center, tennis & more. Tucked in one of Maricopa's most desirable master-planned communities & priced to sell. Don't miss this one!

17. 2026-03-02
    historical
18. 2025-12-31
    price $299,999
19. 2025-12-11
    price $319,999
20. 2025-11-29
    price $329,999
21. 2025-11-13
    price $334,999
22. 2025-11-01
    listed $339,999 Active
23. 2020-09-18
    soldstatus $265,000 Closed
24. 2020-08-06
    historical Under Contract Accepting Backups
25. 2020-07-30
    status Active
26. 2020-07-22
    price $275,000
27. 2020-07-22
    historical Under Contract Accepting Backups
28. 2020-07-16
    status Active
29. 2020-07-16
    historical Under Contract Accepting Backups
30. 2020-07-15
    listed $265,000 Active
31. 2020-03-03
    soldstatus $200,000

ⓘ 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: $2,373 · $198/mo
• Projected year-2 tax: $2,373 · $198/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 6/10 Major FEMA zone X (unshaded) · 68% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥114°F today · 18 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: $25,950
• − Mortgage interest: −$18,205
• − Property taxes: −$2,373
• − Insurance: −$1,625
• − Repairs & maintenance: −$2,076
• − Management: −$2,076
• − HOA: −$1,104
• − Depreciation: −$9,455
• Taxable loss: −$10,963
• Est. tax savings @ 24.0%: +$2,631
• After-tax cash flow: $-2,422/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: Maricopa Unified School District (4441)
• NCES district ID: 0404720
• Math proficiency: 20% ▼ -18.00%
• Reading proficiency: 29% ▼ -9.00%
• Median HH income: $63,725
• Composite: 22.92/100
• National rank: #7993
• State rank: #128 of 249 in AZ

Livability — Maricopa

• Score: 72/100
• State rank: #28
• US rank: #5943

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Maricopa, AZ
• County: Pinal County · 399,947 people
• City population: 76,044
• Metro: Phoenix-Mesa-Chandler, AZ
• Population (ZIP): 55,260
• Household income: $95,867
• Rent vs Own: 17.7% rent · 82.3% own
• Severe rent burden: 432.0

Population outlook (Pinal County) Hauer SSP2

• Today (2025): 437,574 people
• By 2030: 446,903 · +2.1%
• By 2040: 452,589 · +3.4%
• By 2050: 444,126 · +1.5%
• By 2075: 430,300 · -1.7%
• By 2100: 393,536 · -10.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 45% Hispanic / Latino 30% Two or more races 17% Black 13% Native American 3% Asian 3% Pacific Islander 1%
• Hispanic origin (detail): Mexican 26% Puerto Rican 1%
• Common ancestry: Lithuanian 2% Romanian 2% Italian 2%
• Foreign-born: 10% · Canada
• Languages at home: 79% English-only · Spanish 16% Other Asian/Pacific 1% Other Indo-European 1%

Political lean MEDSL · Pinal

• 2024 margin: Strong R (+22.1) · D 38.5% · R 60.6%
• 2008→2024 swing: -7.6pp toward R · 2008: -14.5pp · 2024: -22.1pp
• All cycles: 2024: R+22.1 2020: R+17.3 2016: R+19.3 2012: R+17.1 2008: R+14.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.89%
• Current HPI: 258.1461
• Rent YoY: ▲ 1.78%
• Metro: Phoenix-Mesa-Chandler, AZ
• 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

+70.0% since first listed

16 events — show timeline

• 2026-04-17 Listed $340,000 ARMLS
• 2026-03-02 Listing Removed — ARMLS
• 2025-12-31 Price Changed $299,999 ARMLS
• 2025-12-11 Price Changed $319,999 ARMLS
• 2025-11-29 Price Changed $329,999 ARMLS
• 2025-11-13 Price Changed $334,999 ARMLS
• 2025-11-01 Listed $339,999 ARMLS
• 2020-09-18 Sold (MLS) $265,000 ARMLS
• 2020-08-06 Contingent — ARMLS
• 2020-07-30 Relisted — ARMLS
• 2020-07-22 Price Changed $275,000 ARMLS
• 2020-07-22 Contingent — ARMLS
• 2020-07-16 Relisted — ARMLS
• 2020-07-16 Contingent — ARMLS
• 2020-07-15 Listed $265,000 ARMLS
• 2020-03-03 Sold (Public Records) $200,000 Public Records

Property tax history

+0.3%/yr

Latest (2025): $2,373 · +3.6% YoY. Source: county tax records.