1418 W 14th St · Sioux City, IA 51103

$75,000

3 bd · 1.0 ba · 1,359 sqft · SingleFamily public records · 174 Days on market

Built 1910 3,080 sqft lot $55/sqft · 53% below area

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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
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Tenant pays all utilities.

Key facts

• 3,080 sq ft lot
• Built 1910
• Listed 174 days

🏷️ Possibly a rental listed for sale. The $75,000 price doesn't fit this home's estimated sale value (~$158,640) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $445 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.4% vs local median 3.7% in Sioux City — 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 78/100 on livability (#138 in IA, #2,544 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, commute F.
• Sioux City Community School District (urban): math 54% / reading 57% proficiency, ranked #264 of 289 in IA (top 91%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 79 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 170 units permitted in Woodbury County in 2024 (90 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 174 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 11y ago; this cycle's ask has dropped $45k (38%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $37k; list at $75k implies a 103% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $66,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 174 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.66% ✓
• Cap rate: 13.41%
• Cash-on-cash: 25.42%
• DSCR: 2.13
• GRM: 5.0

CMA / ARV

• ARV (median comp): $158,640
• List price: $75,000
• Delta: -52.72%
• 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
1418 W 14th St	0.00mi	3/1.0	1,359 (0%)	1mo	$68,000	$50	100
510 George St	0.17mi	3/1.0	1,429 (+5%)	8mo	$40,000	$28	77
1607 W 15th St	0.15mi	4/1.5 (+1)	1,440 (+6%)	11mo	$202,000	$140	67
1403 W 6th St	0.12mi	3/1.0	1,512 (+11%)	12mo	$95,000	$63	66
314 George St	0.34mi	3/1.0	1,160 (-15%)	3mo	$155,000	$134	57
1221 W 4th St	0.33mi	4/2.0 (+1)	1,473 (+8%)	6mo	$164,500	$112	57
613 Myrtle St	0.22mi	2/2.0 (-1)	1,210 (-11%)	10mo	$150,000	$124	54
2125 Villa Ave	0.53mi	3/1.0	1,196 (-12%)	10mo	$120,000	$100	47
2317 Center St	0.74mi	3/1.0	1,262 (-7%)	8mo	$220,000	$174	47
1902 & 1904 W 4th St	0.46mi	4/1.5 (+1)	1,532 (+13%)	6mo	$184,999	$121	46
411 Judd St	0.68mi	2/1.0 (-1)	1,173 (-14%)	2mo	$38,000	$32	39
2401 W 15th St Pl	0.71mi	2/2.0 (-1)	1,534 (+13%)	11mo	$243,100	$158	27

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.0%
• Equity multiple: 1.77×
• Total profit: $16,210
• Equity at exit: $11,183

10-year hold

• IRR: 27.4%
• Equity multiple: 3.42×
• Total profit: $50,722
• Equity at exit: $6,485

Cash invested: $21,000 (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 51103

• Home prices YoY: -23.0%
• Active inventory: 79
• Price-to-rent: 5.0×

Monthly cashflow live

• Estimated rent: $1,244 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$114 /mo · $1,362/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$261
• Net cashflow: $445

Break-even live

Break-even rent $681

Max offer price $75,000

Occupancy floor 59%

Sensitivity live

Price	-10% $487	-5% $466	+0% $445	+5% $424	+10% $402
Rent	-10% $347	-5% $396	+0% $445	+5% $494	+10% $543
Rate	-1.0pp $483	-0.5pp $464	base $445	+0.5pp $425	+1.0pp $406

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2309 W 19th St Sioux City, IA	2.0	1.0	1200	$1,000	$0.83	44d	1	0.72mi
705 Douglas St Sioux City, IA	2.0	2.0	1252	$1,775	$1.42	44d	5	1.14mi
610 13th St Sioux City, IA	2.0–3.0	1.0–1.5	1329	$1,247	$0.94	44d	3	1.24mi
505 6th St Sioux City, IA	1.0–2.0	1.0	830	$2,100	$2.53	44d	5	1.29mi
821 Jackson St Apt 105 Sioux City, IA	2.0	1.0	1014	$1,010	$1.00	44d	1	1.32mi

Listing history 7 events

1. 2026-05-04
   status Pending 26-char remark

   Show marketing remark (26 chars)

   Tenant pays all utilities.

2. 2026-04-24
   price $75,000 26-char remark

   Show marketing remark (26 chars)

   Tenant pays all utilities.

3. 2026-03-24
   status Active 26-char remark

   Show marketing remark (26 chars)

   Tenant pays all utilities.

4. 2026-03-10
   status Pending 26-char remark

   Show marketing remark (26 chars)

   Tenant pays all utilities.

5. 2025-10-23
   listed $120,000 Active 26-char remark

   Show marketing remark (26 chars)

   Tenant pays all utilities.

6. 2015-02-27
   soldstatus $37,000 57-char remark

   Show marketing remark (57 chars)

   NEW FURNACE, UPDATED ELECTRIC, NEW PLUMBING, THROUGH OUT.

7. 2015-02-09
   listed $45,000 57-char remark

   Show marketing remark (57 chars)

   NEW FURNACE, UPDATED ELECTRIC, NEW PLUMBING, THROUGH OUT.

ⓘ 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: $1,362 · $114/mo
• Projected year-2 tax: $1,362 · $114/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 5/10 Major
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,930
• − Mortgage interest: −$4,201
• − Property taxes: −$1,362
• − Insurance: −$375
• − Repairs & maintenance: −$1,194
• − Management: −$1,194
• − Depreciation: −$2,182
• Taxable income: $4,421
• Est. tax owed @ 24.0%: −$1,061
• After-tax cash flow: $4,277/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: Sioux City Community School District
• NCES district ID: 1926400
• Math proficiency: 54% ▼ -7.00%
• Reading proficiency: 57% ▼ -2.00%
• Median HH income: $44,967
• Composite: 46.86/100
• National rank: #2371
• State rank: #264 of 289 in IA

Livability — Sioux City

• Score: 78/100
• State rank: #138
• US rank: #2544

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sioux City, IA
• City population: 51,789
• Population (ZIP): 17,145

Population outlook (Woodbury County) Hauer SSP2

• Today (2025): 103,226 people
• By 2030: 103,060 · -0.2%
• By 2040: 102,533 · -0.7%
• By 2050: 102,788 · -0.4%
• By 2075: 107,227 · +3.9%
• By 2100: 113,980 · +10.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 53% Hispanic / Latino 31% Two or more races 18% Asian 4% Black 4% Native American 4%
• Hispanic origin (detail): Mexican 20%
• Common ancestry: Iranian 3% Portuguese 3% Slovak 2%
• Foreign-born: 16% · Canada, Vietnam
• Languages at home: 70% English-only · Spanish 23% Vietnamese 3% German/W. Germanic 1%

Political lean MEDSL · Woodbury

• 2024 margin: Strong R (+23.0) · D 37.8% · R 60.9% · Other 1.3%
• 2008→2024 swing: -22.5pp toward R · 2008: -0.5pp · 2024: -23.0pp
• All cycles: 2024: R+23.0 2020: R+15.5 2016: R+19.9 2012: R+0.2 2008: R+0.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -78.41%
• Current HPI: 262.3809
• Rent YoY: —
• Metro: —
• 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

+66.7% since first listed

7 events — show timeline

• 2026-05-04 Pending — NWIA
• 2026-04-24 Price Changed $75,000 NWIA
• 2026-03-24 Relisted — NWIA
• 2026-03-10 Pending — NWIA
• 2025-10-23 Listed $120,000 NWIA
• 2015-02-27 Sold (MLS) $37,000 NWIA
• 2015-02-09 Listed $45,000 NWIA

Property tax history

+5.2%/yr

Latest (2025): $1,362 · +4.0% YoY. Source: county tax records.