113 W Antelope N/A · Girard, KS 66743

$135,000

3 bd · 2.0 ba · 1,260 sqft · SingleFamily public records · 2 Days on market

Built 1974 5,170 sqft lot Est $123k · 9% over

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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 +9.3/30.0
• Appreciation +6.8/10.0
• Livability +3.5/5.0
• ARV discount +3.3/15.0
• Schools +3.2/10.0
• DSCR +2.6/10.0
• 1% rule +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Key facts

• Breakfast nook
• New vanity
• Granite countertops

Tags

• GRANITE COUNTERTOPS
• THOMASVILLE CABINETRY
• BREAKFAST NOOK
• SEPARATE DINING AREA
• UPDATED BATHROOM
• NEW VANITY

Property features AI

Finance

• Other: No maintenance provided by a community association
• Financial info: No investor or rental income details provided
• HOA & community: No association fees

Exterior

• Parking: Attached garage (1 car)
• Security: No specific security features provided
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One-story (ranch); Above-grade finished living area reported as 1,260
• Construction: Composition roof; Other construction materials; Home age reported at 51–75 years
• Exterior features: Patio; Lot approximately 5,170 square feet; Not in a flood plain

Interior

• Kitchen: Dishwasher; Free‑standing electric oven
• Bedrooms: Three bedrooms, all on the main level (approx. 12.5 x 12; 12 x 13.5; 12.5 x 11)
• Flooring: Luxury vinyl flooring
• Bathrooms: One full bathroom on the main level (approx. 7.5 x 12)
• Heating & cooling: Natural gas heating; Electric cooling (central cooling present)
• Interior features: Ranch floor plan; Crawl space basement; Patio
• Laundry & utility: No specific laundry details provided

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $-98 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $118k (12.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $101k (25.2% below list).
• Recommended offer: $101k (25.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#185 in KS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, schools D+, amenities F.
• Girard (town): math 32% / reading 44% proficiency, ranked #44 of 169 in KS (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 15 active listings in the ZIP; 65 units permitted in Crawford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($933 loan paydown + $5k appreciation (3.7% local appreciation)).
• By year 6, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $39k; list at $135k implies a 246% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $101,021 (25.2% 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. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.75% ✗
• Cap rate: 5.42%
• Cash-on-cash: -3.11%
• DSCR: 0.86
• GRM: 11.1

CMA / ARV

• ARV (on-the-fly): $123,480
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
412 S Osage St	0.06mi	3/1.5	1,196 (-5%)	16mo	$140,000	$117	74
205 N Cherokee St	0.46mi	2/1.5 (-1)	1,272 (+1%)	7mo	$79,900	$63	64
607 W Forest N/A	0.51mi	3/1.5	1,269 (+1%)	12mo	$150,000	$118	63
108 W Buffalo St	0.12mi	2/1.0 (-1)	1,376 (+9%)	10mo	$135,000	$98	62
605 S Summit St	0.20mi	3/1.0	1,136 (-10%)	12mo	$79,500	$70	60
110 S Williams St	0.73mi	3/2.0	1,227 (-3%)	2mo	$195,000	$159	60
717 S Cherokee St	0.42mi	3/1.5	1,232 (-2%)	18mo	$49,900	$41	60
502 S Summit St	0.12mi	2/1.0 (-1)	1,152 (-9%)	17mo	$65,000	$56	57
413 S Summit St	0.07mi	2/1.0 (-1)	1,074 (-15%)	10mo	$105,000	$98	55
409 N Ozark St	0.62mi	3/2.0	1,296 (+3%)	19mo	$47,900	$37	50
111 N Cherokee St	0.41mi	3/1.0	1,120 (-11%)	11mo	$110,000	$98	49
413 S Burnett St	0.44mi	3/1.5	1,152 (-9%)	19mo	$150,000	$130	47

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

Projected returns pro-forma

3.69% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.6%
• Equity multiple: 1.40×
• Total profit: $14,996
• Equity at exit: $66,010

10-year hold

• IRR: 9.2%
• Equity multiple: 2.49×
• Total profit: $56,156
• Equity at exit: $106,065

Cash invested: $37,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Kansas: 83 Strongly Landlord-Friendly · R+10
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; moderate court pace.

Methodology + full state rankings →

ZIP-level market 66743

• Home prices YoY: 1.9%
• Active inventory: 15
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $1,010 medium
• Mortgage (P&I): −$708
• Tax from tax record: −$132 /mo · $1,584/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$212
• Net cashflow: $-98

Break-even live

Break-even rent $1,134

Max offer price $117,668

Occupancy floor —

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-06-12
   statusdays on market $135,000 Pending 2 DOM
2. 2026-06-09
   listed $135,000 Active 1 DOM

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

Tax reassessment forecast KS · Resets to sale price

• Current annual tax: $1,584 · $132/mo
• Projected year-2 tax: $1,904 · $159/mo
• Expected delta: +$320/yr (+$27/mo · 20.2%)

ⓘ 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 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,123
• − Mortgage interest: −$7,562
• − Property taxes: −$1,584
• − Insurance: −$675
• − Repairs & maintenance: −$970
• − Management: −$970
• − Depreciation: −$3,927
• Taxable loss: −$3,565
• Est. tax savings @ 24.0%: +$856
• After-tax cash flow: $-322/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: Girard
• NCES district ID: 2006480
• Math proficiency: 32% ▲ 2.00%
• Reading proficiency: 44% ▲ 4.00%
• Median HH income: $44,262
• Composite: 32.24/100
• National rank: #5769
• State rank: #44 of 169 in KS

Livability — Girard

• Score: 69/100
• State rank: #185
• US rank: #8485

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Girard, KS
• Population (ZIP): 4,384

Population outlook (Crawford County) Hauer SSP2

• Today (2025): 39,393 people
• By 2030: 39,540 · +0.4%
• By 2040: 39,452 · +0.1%
• By 2050: 39,188 · -0.5%
• By 2075: 39,038 · -0.9%
• By 2100: 38,219 · -3.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 6% Hispanic / Latino 1%
• Common ancestry: Lithuanian 4% Slovak 3% Italian 3%
• Foreign-born: 0%
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Crawford

• 2024 margin: Strong R (+25.3) · D 36.5% · R 61.7% · Other 1.8%
• 2008→2024 swing: -26.7pp toward R · 2008: 1.4pp · 2024: -25.3pp
• All cycles: 2024: R+25.3 2020: R+23.1 2016: R+23.1 2012: R+6.5 2008: D+1.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.69%
• Current HPI: 196.0003
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+95.9% since first listed

4 events — show timeline

• 2026-06-09 Listed $135,000 Heartland MLS as Distributed by MLS Grid
• 2012-10-02 Sold (Public Records) — Public Records
• 2009-11-01 Sold (Public Records) $39,000 Public Records
• 2004-03-01 Sold (Public Records) $68,900 Public Records

Property tax history

+2.9%/yr

Latest (2025): $1,584 · +10.1% YoY. Source: county tax records.