43219 W Maricopa Ave · Maricopa, AZ 85138

$380,000

5 bd · 3.0 ba · 4,146 sqft · SingleFamily public records · 30 Days on market

Built 2006 6,326 sqft lot Est $468k · 19% under $75/mo HOA · 3% 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 +15.0/15.0
• Cash flow +10.7/30.0
• Appreciation +4.6/10.0
• Livability +3.6/5.0
• DSCR +3.1/10.0
• Rent growth +2.9/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

Come view this beautiful 5 bedroom 3 bath home with a 3 car garage! There is a formal dining/living room area as soon as you enter the home. The large kitchen consists of granite counter, black appliances, walk in pantry, kitchen island, recessed lighting, and custom pull out drawers. There is a large bedroom and full bathroom downstairs. You can enjoy the huge loft area upstairs! The master bedroom has a large walk in closet, double sink vanity in bathroom, with separate shower and tub. Every bedroom has a walk in closet. There is ceiling fans throughout and diagonal tile in all the right places. The back yard has a covered patio, mature citrus trees, natural fire pit, built in bbq, and beautiful landscaping plus solar panels that cut the electricity on half.

Key facts

• Oversized loft
• Huge walk-in closets
• Solar

Tags

• NEW HVAC SYSTEMS
• SOLAR
• OVERSIZED LOFT
• HUGE WALK-IN CLOSETS
• OPEN-CONCEPT LAYOUT
• UPGRADED KITCHEN

Property features AI

Finance

• Financial info: FHA financing available (non-assumable)
• HOA & community: HOA with quarterly fee of $224; HOA covers grounds maintenance; Community playground; Biking/walking path

Exterior

• Parking: 3 covered parking spaces; 3 open parking spaces; 3-car garage with garage door opener
• Utilities: City water; Public sewer
• Home design: Single family residence; Fee simple ownership
• Construction: Stucco and wood frame construction; Tile roof
• Exterior features: Desert front and back landscaping; Automatic timer irrigation in front and back; Block fencing

Interior

• Kitchen: Dishwasher; Built-in electric oven; Built-in microwave; Walk-in pantry; Kitchen island
• Bedrooms: Up to 6 possible bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 3 full bathrooms
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: Granite counters; Double vanity; Full bathroom in the primary bedroom; Separate shower and tub; Kitchen island; Upstairs living area; Dual-pane windows; Solar panels

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $380k.

Deal economics

• At list price, monthly cash flow is $-180 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $348k (8.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $291k (23.4% below list).
• Recommended offer: $291k (23.4% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 3.7% in Maricopa — 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 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.
• Zoned schools: Maricopa Elementary School (math 23% / reading 28%, grade F, #631 of 1,109 statewide, top 57%, 733 students, 65% FRL); Maricopa Wells Middle School (math 13% / reading 23%, grade F, #143 of 218 statewide, top 66%, 934 students, 57% FRL); Maricopa High School (math 12% / reading 19%, grade F, #262 of 381 statewide, top 69%, 2,188 students, 46% FRL).
• Market conditions: Rents rising (+1.8%/yr); 862 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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).
• This rent runs 36% of the median local income ($96k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

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

Negotiation context

• It's been on market 30 days — a 2% lower offer ($374k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 18y 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 $279k; 36% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: 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 $291,051 (23.4% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.77% ✗
• Cap rate: 5.73%
• Cash-on-cash: -2.03%
• DSCR: 0.91
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $468,498
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
43232 W Magnolia Rd	0.03mi	5/3.0	4,147 (0%)	9mo	$420,000	$101	91
19213 N Wilson St	0.28mi	5/3.0	4,157 (+0%)	6mo	$400,000	$96	81
19363 N Toya St	0.34mi	5/3.0	4,157 (+0%)	4mo	$457,000	$110	80
43363 W Wild Horse Trl	0.14mi	6/4.0 (+1)	3,900 (-6%)	1mo	$490,000	$126	74
20139 N Bustos Way	0.38mi	5/3.0	3,956 (-5%)	1mo	$565,000	$143	74
43459 W Maricopa Ave	0.14mi	5/2.5	3,735 (-10%)	2mo	$415,000	$111	73
42978 W Magnolia Rd	0.15mi	6/4.0 (+1)	3,901 (-6%)	2mo	$461,250	$118	73
43003 W Magnolia Rd	0.15mi	6/4.0 (+1)	3,902 (-6%)	7mo	$442,500	$113	68
43546 W Blazen Trl	0.36mi	5/3.0	3,901 (-6%)	7mo	$345,000	$88	68
42844 W Wild Horse Trl	0.26mi	6/3.5 (+1)	3,900 (-6%)	9mo	$500,000	$128	63
42616 W Avella Dr	0.39mi	5/4.0	3,540 (-15%)	1mo	$385,000	$109	53
42574 W Chimayo Dr	0.41mi	6/4.0 (+1)	3,540 (-15%)	0mo	$405,000	$114	47

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: -9.1%
• Equity multiple: 0.61×
• Total profit: $-41,704
• Equity at exit: $93,780

10-year hold

• IRR: -3.4%
• Equity multiple: 0.70×
• Total profit: $-32,423
• Equity at exit: $100,235

Cash invested: $106,400 (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: 862
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,911 high
• Mortgage (P&I): −$1,993
• Tax from tax record: −$253 /mo · $3,035/yr
• Insurance: −$158
• HOA: −$75
• Vacancy / Maint / Mgmt: −$611
• Net cashflow: $-180

Break-even live

Break-even rent $3,138

Max offer price $348,256

Occupancy floor —

Sensitivity live

Price	-10% $35	-5% $-72	+0% $-180	+5% $-287	+10% $-395
Rent	-10% $-410	-5% $-295	+0% $-180	+5% $-65	+10% $50
Rate	-1.0pp $12	-0.5pp $-83	base $-180	+0.5pp $-278	+1.0pp $-378

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: $95,000
• Closing costs: $11,400
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
42735 W Arizona Ave Maricopa, AZ	5.0	3.0	3735	$2,495	$0.67	0d	1	0.35mi
19053 N Wilson St Unit 1545785P Maricopa, AZ	5.0	3.0	3239	$4,438	$1.37	18d	1	0.35mi
43558 W Oster Dr Maricopa, AZ	5.0	4.0	3508	$2,695	$0.77	25d	1	0.38mi
43589 W Cowpath Rd Maricopa, AZ	5.0	2.5	4157	$2,400	$0.58	6d	1	0.50mi
43608 W Caven Dr Maricopa, AZ	4.0	3.0	3508	$2,250	$0.64	23d	1	0.52mi
45063 W Jack Rabbit Trl Maricopa, AZ	4.0	2.5	3040	$2,269	$0.75	4d	1	1.25mi

HOA detail

• Monthly dues: $75 · $900/yr
• Likely covers: electriclandscaping

Listing history 37 events

1. 2026-06-21
   days on market $380,000 Active 30 DOM
2. 2026-06-18
   days on market $380,000 Active 27 DOM
3. 2026-06-17
   days on market $380,000 Active 26 DOM
4. 2026-06-16
   days on market $380,000 Active 25 DOM
5. 2026-06-15
   days on market $380,000 Active 24 DOM
6. 2026-06-13
   days on market $380,000 Active 22 DOM
7. 2026-06-13
   days on market $380,000 Active 21 DOM
8. 2026-06-09
   days on market $380,000 Active 18 DOM
9. 2026-06-08
   days on market $380,000 Active 17 DOM
10. 2026-06-07
    pricedays on market $380,000 Active 16 DOM
11. 2026-06-04
    days on market $390,000 Active 13 DOM
12. 2026-06-03
    days on market $390,000 Active 12 DOM
13. 2026-06-02
    days on market $390,000 Active 11 DOM
14. 2026-06-01
    days on market $390,000 Active 10 DOM
15. 2026-05-31
    days on market $390,000 Active 9 DOM
16. 2026-05-22
    listed $390,000 Active
17. 2026-04-10
    historical
18. 2026-02-21
    status Active
19. 2026-02-20
    listed $460,000 Active
20. 2026-02-20
    historical
21. 2020-02-13
    soldstatus $279,000
22. 2020-01-15
    soldstatus $279,000 Closed 770-char remark

    Show marketing remark (770 chars)

    Come view this beautiful 5 bedroom 3 bath home with a 3 car garage! There is a formal dining/living room area as soon as you enter the home. The large kitchen consists of granite counter, black appliances, walk in pantry, kitchen island, recessed lighting, and custom pull out drawers. There is a large bedroom and full bathroom downstairs. You can enjoy the huge loft area upstairs! The master bedroom has a large walk in closet, double sink vanity in bathroom, with separate shower and tub. Every bedroom has a walk in closet. There is ceiling fans throughout and diagonal tile in all the right places. The back yard has a covered patio, mature citrus trees, natural fire pit, built in bbq, and beautiful landscaping plus solar panels that cut the electricity on half.

23. 2019-11-27
    status Pending 770-char remark

    Show marketing remark (770 chars)

    Come view this beautiful 5 bedroom 3 bath home with a 3 car garage! There is a formal dining/living room area as soon as you enter the home. The large kitchen consists of granite counter, black appliances, walk in pantry, kitchen island, recessed lighting, and custom pull out drawers. There is a large bedroom and full bathroom downstairs. You can enjoy the huge loft area upstairs! The master bedroom has a large walk in closet, double sink vanity in bathroom, with separate shower and tub. Every bedroom has a walk in closet. There is ceiling fans throughout and diagonal tile in all the right places. The back yard has a covered patio, mature citrus trees, natural fire pit, built in bbq, and beautiful landscaping plus solar panels that cut the electricity on half.

24. 2019-10-21
    listed $279,900 Active 770-char remark

    Show marketing remark (770 chars)

    Come view this beautiful 5 bedroom 3 bath home with a 3 car garage! There is a formal dining/living room area as soon as you enter the home. The large kitchen consists of granite counter, black appliances, walk in pantry, kitchen island, recessed lighting, and custom pull out drawers. There is a large bedroom and full bathroom downstairs. You can enjoy the huge loft area upstairs! The master bedroom has a large walk in closet, double sink vanity in bathroom, with separate shower and tub. Every bedroom has a walk in closet. There is ceiling fans throughout and diagonal tile in all the right places. The back yard has a covered patio, mature citrus trees, natural fire pit, built in bbq, and beautiful landscaping plus solar panels that cut the electricity on half.

25. 2017-04-26
    soldstatus $230,000
26. 2017-04-25
    soldstatus $230,000 Closed
27. 2017-03-13
    status Pending
28. 2017-03-10
    listed $220,000 Active
29. 2016-09-28
    historical
30. 2016-08-22
    price $239,900
31. 2016-08-13
    price $249,800
32. 2016-08-04
    price $249,900
33. 2016-07-03
    price $259,900
34. 2016-06-20
    price $269,900
35. 2016-06-08
    listed $279,900 Active
36. 2008-10-03
    historical
37. 2008-09-09
    listed $168,000

ⓘ 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: $3,035 · $253/mo
• Projected year-2 tax: $3,035 · $253/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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 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: $34,926
• − Mortgage interest: −$21,286
• − Property taxes: −$3,035
• − Insurance: −$1,900
• − Repairs & maintenance: −$2,794
• − Management: −$2,794
• − HOA: −$900
• − Depreciation: −$11,055
• Taxable loss: −$8,837
• Est. tax savings @ 24.0%: +$2,121
• After-tax cash flow: $-35/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

+126.2% since first listed

23 events — show timeline

• 2026-06-07 Price Changed $380,000 ARMLS
• 2026-05-22 Listed $390,000 ARMLS
• 2026-04-10 Listing Removed — ARMLS
• 2026-02-21 Relisted — ARMLS
• 2026-02-20 Listed $460,000 ARMLS
• 2026-02-20 Listing Removed — ARMLS
• 2020-02-13 Sold (Public Records) $279,000 Public Records
• 2020-01-15 Sold (MLS) $279,000 ARMLS
• 2019-11-27 Pending — ARMLS
• 2019-10-21 Listed $279,900 ARMLS
• 2017-04-26 Sold (Public Records) $230,000 Public Records
• 2017-04-25 Sold (MLS) $230,000 ARMLS
• 2017-03-13 Pending — ARMLS
• 2017-03-10 Listed $220,000 ARMLS
• 2016-09-28 Listing Removed — ARMLS
• 2016-08-22 Price Changed $239,900 ARMLS
• 2016-08-13 Price Changed $249,800 ARMLS
• 2016-08-04 Price Changed $249,900 ARMLS
• 2016-07-03 Price Changed $259,900 ARMLS
• 2016-06-20 Price Changed $269,900 ARMLS
• 2016-06-08 Listed $279,900 ARMLS
• 2008-10-03 Listing Removed — ARMLS
• 2008-09-09 Listed $168,000 ARMLS

Property tax history

-0.5%/yr

Latest (2025): $3,035 · +3.6% YoY. Source: county tax records.