16004 Isabella St · Bennington, NE 68007

$279,000

3 bd · 3.5 ba · 1,777 sqft · Townhouse · 93 Days on market

Built 2026 Good condition 2,667 sqft lot 2-car garage $200/mo HOA · 8% 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).

• Cash flow +8.0/30.0
• ARV discount +7.5/15.0
• Schools +6.9/10.0
• Rent growth +4.0/5.0
• Livability +4.0/5.0
• Condition / age +4.0/5.0
• 1% rule +3.3/10.0
• DSCR +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks

Fantastic New 2 Story Townhome in Kempten creek. The Radcliffe floorplan built by The Home Company includes 3 Bedrooms, 3 Baths, 2 Car with 1819SqFt. Interior features an open concept floorplan, LED lighting, quartz countertops, maple cabinetry, and subway tile backsplash. Additional features includes 2nd floor laundry, built in 2 car garage and carefree living on the exterior! Great location with elementary, middle, and high schools all in close proximity. Directly across from the 50acre recreational area being built by the City of Bennington! With included appliances: fridge, washer, and dryer. Don't miss out on these amazing offers – contact us today!

Key facts

• Quartz countertops
• Led lighting
• 2nd floor laundry

Tags

• OPEN CONCEPT MAIN LEVEL
• QUARTZ COUNTERTOPS
• MAPLE CABINETRY
• SUBWAY TILE BACKSPLASH
• LED LIGHTING
• 2ND FLOOR LAUNDRY

🏗️ New construction. The $279,000 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $286,601.

What this means for you Summary

Snapshot

• This is a 3-bed/3.5-bath townhouse listed at $279k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-290 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $245k (12.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $239k (14.2% below list).
• Recommended offer: $239k (14.2% below list) — sets the bar for 1% rule.
• Cap rate 5.1% vs local median 3.6% in Bennington — 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 (#38 in NE, #2,075 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F.
• Bennington Public Schools (rural): math 67% / reading 67% proficiency, ranked #3 of 111 in NE (top 3%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 6% free/reduced lunch — higher-income household profile.
• Zoned schools: Bennington Elementary School (math 77% / reading 72%, grade A, #20 of 502 statewide, top 5%, 403 students, 17% FRL); Bennington Middle School (math 64% / reading 63%, grade B+, #13 of 128 statewide, top 10%, 410 students, 19% FRL); Bennington High School (math 66% / reading 70%, grade B, #21 of 261 statewide, top 8%, 1,002 students, 14% FRL).
• Market conditions: Rents rising fast (+5.9%/yr); 692 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals lingering (median 38d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 57% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 4,539 units permitted in Douglas County in 2024 (2,583 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Douglas County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($254k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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 $239,287 (14.2% 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 93 days. Have you received any prior offers? Is the seller open to a 14% 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 A-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: 0.83% ✗
• Cap rate: 5.08%
• Cash-on-cash: -4.34%
• DSCR: 0.81
• GRM: 10.0

CMA / ARV

• ARV (median comp): $286,601
• List price: $279,000
• Delta: -2.65%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
16002 Isabella St	0.01mi	3/3.5	1,819 (+2%)	4mo	$285,000	$157	92
11408 N 161st Ave	0.10mi	3/2.5	1,797 (+1%)	17mo	$282,000	$157	76
11415 N 160th Ct	0.03mi	3/3.0	2,001 (+13%)	6mo	$299,000	$149	70
11423 N 160th Ct	0.05mi	3/3.0	2,001 (+13%)	6mo	$299,000	$149	69
11418 N 160 Ct	0.06mi	3/3.0	2,001 (+13%)	8mo	$294,000	$147	68
310 N Allen St	0.65mi	3/3.0	1,768 (-0%)	0mo	$290,000	$164	67
11426 N 160 Ct	0.07mi	3/3.0	2,001 (+13%)	10mo	$299,000	$149	65
408 N Allen St	0.69mi	3/3.0	1,745 (-2%)	3mo	$290,000	$166	60
342 N Allen St	0.66mi	3/3.0	1,757 (-1%)	8mo	$287,000	$163	58
404 N Allen St	0.68mi	3/3.0	1,812 (+2%)	7mo	$290,000	$160	57
400 N Allen St	0.68mi	3/3.0	1,708 (-4%)	5mo	$275,000	$161	56
338 N Allen St	0.66mi	3/2.0	1,757 (-1%)	17mo	$285,000	$162	47

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 · 5.88% rent growth · sell at horizon

5-year hold

• IRR: -20.1%
• Equity multiple: 0.28×
• Total profit: $-57,636
• Equity at exit: $42,733

10-year hold

• IRR: -7.3%
• Equity multiple: 0.47×
• Total profit: $-42,292
• Equity at exit: $24,780

Cash invested: $80,248 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Nebraska: 83 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempted; moderate court pace.

Methodology + full state rankings →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 6 active · 5 under contract
• Months of supply: 9.0 mo (11%/mo absorbed)
• Median asking: $279,000 ($157/sqft)
• Median days on market: 57 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +2.7% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 68007

• Home prices YoY: -19.4%
• Rents YoY: 5.9%
• Active inventory: 692
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,393 high
• Mortgage (P&I): −$1,503
• Tax est. 1.5%: −$358 /mo · $4,299/yr
• Insurance: −$119
• HOA: −$200
• Vacancy / Maint / Mgmt: −$503
• Net cashflow: $-290

Break-even live

Break-even rent $2,760

Max offer price $244,599

Occupancy floor —

Sensitivity live

Price	-10% $-92	-5% $-191	+0% $-290	+5% $-389	+10% $-488
Rent	-10% $-479	-5% $-385	+0% $-290	+5% $-196	+10% $-101
Rate	-1.0pp $-146	-0.5pp $-217	base $-290	+0.5pp $-365	+1.0pp $-440

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: $71,650
• Closing costs: $8,598
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
15975 Kempten Creek Dr Bennington, NE	3.0	4.0	1930	$2,800	$1.45	151d	1	0.04mi
202 N Molley St Bennington, NE	3.0	3.0	2052	$2,195	$1.07	0d	1	0.50mi
302 N Allen St Bennington, NE	3.0	3.0	1759	$2,300	$1.31	0d	1	0.65mi
12314 N 149th Cir Bennington, NE	3.0	2.0	1523	$2,250	$1.48	37d	1	1.05mi
12314 N 149th Cir Bennington, NE	3.0	2.0	1523	$2,450	$1.61	107d	1	1.05mi
14802 Willow St Unit 14804 Bennington, NE	4.0	3.5	2561	$2,650	$1.03	184d	1	1.13mi
8926 N 159th Ave Bennington, NE	4.0	3.0	1902	$2,325	$1.22	0d	1	1.48mi

Property features AI

Finance

• Other: Pets allowed
• HOA & community: Homeowners association with a monthly fee of $200Association fee covers exterior maintenance, grounds maintenance, snow removal, insurance, common area maintenance, water, trash, and management

Exterior

• Parking: Attached 2-car garageTwo covered parking spaces
• Utilities: Public waterPublic sewerElectricity available on propertyNatural gas availableCable availablePhone availableStorm sewer available
• Home design: Residential townhouseTwo levels (plus finished below-grade area)Model: RadcliffUnder construction / new constructionLiving area about 1,777 square feet (1,501 above grade; 276 below grade)
• Construction: Masonite exteriorComposition roofConcrete perimeter foundationBuilt in 2026Builder: The Home Company
• Exterior features: PorchPatioSprinkler systemLot subdivided, approximately 0.06 acres (lot dimensions ~19.85 x 114.19)

Interior

• Kitchen: RangeRefrigeratorDishwasherMicrowaveDisposal
• Bedrooms: Master bedroom on 2nd floor with wall-to-wall carpetingSecond bedroom on 2nd floor with wall-to-wall carpetingThird bedroom on 2nd floor with wall-to-wall carpeting
• Flooring: CarpetLuxury vinyl plank
• Bathrooms: Three bathrooms total: one full bath, two 3/4 bathsOne bathroom on the main levelAdditional bathrooms below grade and on second floor
• Heating & cooling: Natural gas forced-air heatingCentral air conditioning
• Interior features: High ceilingsCeiling fan(s)Egress basement
• Laundry & utility: WasherDryerLaundry area finished with luxury vinyl plank

Listing history 50 events

1. 2026-11-08
   days on market $279,000 Active 93 DOM
2. 2026-11-07
   days on market $279,000 Active 92 DOM
3. 2026-11-06
   days on market $279,000 Active 91 DOM
4. 2026-11-05
   days on market $279,000 Active 90 DOM
5. 2026-11-04
   days on market $279,000 Active 89 DOM
6. 2026-11-02
   days on market $279,000 Active 87 DOM
7. 2026-11-01
   days on market $279,000 Active 86 DOM
8. 2026-10-31
   days on market $279,000 Active 85 DOM
9. 2026-10-30
   days on market $279,000 Active 84 DOM
10. 2026-10-29
    days on market $279,000 Active 83 DOM
11. 2026-10-28
    days on market $279,000 Active 82 DOM
12. 2026-10-27
    days on market $279,000 Active 81 DOM
13. 2026-10-26
    days on market $279,000 Active 80 DOM
14. 2026-10-25
    days on market $279,000 Active 79 DOM
15. 2026-10-24
    days on market $279,000 Active 78 DOM
16. 2026-10-23
    days on market $279,000 Active 77 DOM
17. 2026-10-22
    days on market $279,000 Active 76 DOM
18. 2026-10-21
    days on market $279,000 Active 75 DOM
19. 2026-10-20
    days on market $279,000 Active 74 DOM
20. 2026-10-19
    days on market $279,000 Active 73 DOM
21. 2026-10-18
    days on market $279,000 Active 72 DOM
22. 2026-10-17
    days on market $279,000 Active 71 DOM
23. 2026-10-16
    days on market $279,000 Active 70 DOM
24. 2026-10-15
    days on market $279,000 Active 69 DOM
25. 2026-10-14
    days on market $279,000 Active 68 DOM
26. 2026-10-13
    days on market $279,000 Active 67 DOM
27. 2026-10-12
    days on market $279,000 Active 66 DOM
28. 2026-10-11
    days on market $279,000 Active 65 DOM
29. 2026-10-10
    days on market $279,000 Active 64 DOM
30. 2026-10-09
    days on market $279,000 Active 63 DOM
31. 2026-10-08
    days on market $279,000 Active 62 DOM
32. 2026-10-08
    price $279,000 Active 61 DOM
33. 2026-10-07
    days on market $289,000 Active 61 DOM
34. 2026-10-06
    days on market $289,000 Active 60 DOM
35. 2026-10-05
    days on market $289,000 Active 59 DOM
36. 2026-10-04
    days on market $289,000 Active 58 DOM
37. 2026-10-04
    days on market $289,000 Active 57 DOM
38. 2026-10-02
    days on market $289,000 Active 56 DOM
39. 2026-10-01
    days on market $289,000 Active 55 DOM
40. 2026-09-30
    days on market $289,000 Active 54 DOM
41. 2026-09-29
    days on market $289,000 Active 53 DOM
42. 2026-09-28
    days on market $289,000 Active 52 DOM
43. 2026-09-27
    days on market $289,000 Active 51 DOM
44. 2026-09-25
    days on market $289,000 Active 49 DOM
45. 2026-09-24
    days on market $289,000 Active 48 DOM
46. 2026-09-23
    days on market $289,000 Active 47 DOM
47. 2026-09-22
    days on market $289,000 Active 46 DOM
48. 2026-09-21
    days on market $289,000 Active 45 DOM
49. 2026-09-20
    days on market $289,000 Active 44 DOM
50. 2026-09-19
    days on market $289,000 Active 43 DOM

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 16 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: $28,714
• − Mortgage interest: −$16,054
• − Property taxes: −$4,299
• − Insurance: −$1,433
• − Repairs & maintenance: −$2,297
• − Management: −$2,297
• − HOA: −$2,400
• − Depreciation: −$8,337
• Taxable loss: −$8,403
• Est. tax savings @ 24.0%: +$2,017
• After-tax cash flow: $-1,466/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.

Condition & rehab AI · 6 photos

Good 80/100 None rehab

This newly built townhome is in excellent condition with no visible repairs needed. It offers a good ROI with updates like smart home devices and lighting that can increase both resale and rental value.

Value-add opportunities

• Both Paint interior walls — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both Install smart home devices — Improves convenience and energy efficiency ↑
• Both Add smart thermostat — Enhances comfort and energy savings ↑
• Both Install smart lighting — Enhances safety and energy efficiency ↑

C Composite school gradezoned avg 69/100

Zoned Schools

Elementary Bennington Elementary School A NE #20/502 Nat'l #2,202/41,679 Middle Bennington Middle School B+ NE #13/128 Nat'l #1,406/14,009 High Bennington High School B NE #21/261 Nat'l #2,439/17,239

Schools (NCES district)

• District: Bennington Public Schools
• NCES district ID: 3103990
• Math proficiency: 67% ▼ -6.00%
• Reading proficiency: 67% ▼ -7.00%
• Median HH income: $87,771
• Composite: 60.5/100
• National rank: #843
• State rank: #3 of 111 in NE

B Composite livability gradescore 79/100

Livability — Bennington

• Score: 79/100
• State rank: #38
• US rank: #2075

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Douglas County · 625,245 people
• City population: 19,536
• Metro: Omaha-Council Bluffs, NE-IA
• Population (ZIP): 19,536
• Household income: $141,042
• Rent vs Own: 7.5% rent · 92.5% own
• Severe rent burden: 3% of renters

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Population outlook (Douglas County) Hauer SSP2

• Today (2025): 625,245 people
• By 2030: 661,613 · +5.8%
• By 2040: 732,395 · +17.1%
• By 2050: 801,988 · +28.3%
• By 2075: 968,637 · +54.9%
• By 2100: 1,101,871 · +76.2%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 6% Two or more races 5% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3%
• Languages at home: 94% English-only · Spanish 3% Other Indo-European 1% Russian/Polish/Slavic 1%

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Political lean MEDSL · Douglas

• 2024 margin: D (+10.2) · D 54.4% · R 44.2% · Other 1.4%
• 2008→2024 swing: +5.5pp toward D · 2008: 4.6pp · 2024: 10.2pp
• All cycles: 2024: D+10.2 2020: D+11.3 2016: D+1.4 2012: R+4.3 2008: D+4.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -60.06%
• Current HPI: 250.3443
• Rent YoY: ▲ 5.88%
• Metro: Omaha-Council Bluffs, NE-IA
• State GDP YoY: ▲ 0.68%
• F500 in state: 2

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Industry mix (Fortune 500 HQ in NE)

Industry	F500 HQs	Revenue
▸Conglomerate	1	$371B

Property features AI

Finance

• Other: Pets allowed
• HOA & community: Homeowners association with a monthly fee of $200Association fee covers exterior maintenance, grounds maintenance, snow removal, insurance, common area maintenance, water, trash, and management

Exterior

• Parking: Attached 2-car garageTwo covered parking spaces
• Utilities: Public waterPublic sewerElectricity available on propertyNatural gas availableCable availablePhone availableStorm sewer available
• Home design: Residential townhouseTwo levels (plus finished below-grade area)Model: RadcliffUnder construction / new constructionLiving area about 1,777 square feet (1,501 above grade; 276 below grade)
• Construction: Masonite exteriorComposition roofConcrete perimeter foundationBuilt in 2026Builder: The Home Company
• Exterior features: PorchPatioSprinkler systemLot subdivided, approximately 0.06 acres (lot dimensions ~19.85 x 114.19)

Interior

• Kitchen: RangeRefrigeratorDishwasherMicrowaveDisposal
• Bedrooms: Master bedroom on 2nd floor with wall-to-wall carpetingSecond bedroom on 2nd floor with wall-to-wall carpetingThird bedroom on 2nd floor with wall-to-wall carpeting
• Flooring: CarpetLuxury vinyl plank
• Bathrooms: Three bathrooms total: one full bath, two 3/4 bathsOne bathroom on the main levelAdditional bathrooms below grade and on second floor
• Heating & cooling: Natural gas forced-air heatingCentral air conditioning
• Interior features: High ceilingsCeiling fan(s)Egress basement
• Laundry & utility: WasherDryerLaundry area finished with luxury vinyl plank

Price history

-72.5% since first listed

6 events — show timeline

• 2026-08-07 Listed $289,000 GPRMLS
• 2026-08-07 Listing Removed — GPRMLS
• 2026-08-07 Listed $289,000 GPRMLS
• 2026-08-07 Listing Removed — GPRMLS
• 2025-09-30 Listed $289,000 GPRMLS
• 2023-04-25 Sold (Public Records) $1,051,000 Public Records

Property tax history

+128.2%/yr

Latest (2025): $230 · +29.7% YoY. Source: county tax records.