3120-136 Live Oak Blvd · Yuba City, CA 95991

$135,500

3 bd · 2.0 ba · 5,289 sqft · Land public records · 147 Days on market

Built 1992 4,145 sqft lot $26/sqft · 62% below area ↓ 14% since listing

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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
• Livability +3.8/5.0
• Schools +3.2/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

MUST SEE this Wonderful 3 bedroom / 2 bath home in desired Park in Yuba City. Home recently renovated and all repairs paid for by previous owner. The shed is completely renovated like new. New flooring in Primary Bedroom, new light fixtures in kitchen and laundry room , dryer vent with new duct work. Leaks under the home repaired, new electrical lines , New paint and siding on outside of home, shed is matching color. New deck stairs and deck painted , new entry light. New electrical to shed. Looking forward to seeing you soon. Space rent includes cable service, water and sewer. Owner responsible for trash pickup and electric/gas.

Key facts

• New deck stairs
• New siding
• New flooring

Tags

• RENOVATED SHED
• NEW FLOORING
• NEW LIGHT FIXTURES
• NEW PAINT
• NEW SIDING
• NEW DECK STAIRS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $136k.

Deal economics

• At list price, monthly cash flow is $766 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $136k).
• Recommended offer: $119k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.1% vs local median 3.5% in Yuba 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 75/100 on livability (#111 in CA, #3,863 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: crime D+, schools D, cost of living F.
• Yuba City Unified (urban): math 20% / reading 53% proficiency, ranked #263 of 517 in CA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+1.8%/yr); 149 active listings in the ZIP; 73 units permitted in Sutter County in 2024 (0 in 5+ unit buildings).
• This rent runs 37% of the median local income ($71k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $937 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Sutter County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 1.8% rent growth), your $38k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 147 days — a 12% lower offer ($119k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe 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 $119,240 (12.0% below list)

Questions for the listing agent

1. It's been on market 147 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. Crime grade is D 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: 1.59% ✓
• Cap rate: 13.07%
• Cash-on-cash: 24.22%
• DSCR: 2.08
• GRM: 5.2

CMA / ARV

• ARV (median comp): $64,991
• List price: $135,500
• Delta: 108.49%
• Verdict: OVERPRICED
• Comps: 8 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 1.79% rent growth · sell at horizon

5-year hold

• IRR: 16.1%
• Equity multiple: 1.64×
• Total profit: $24,252
• Equity at exit: $20,203

10-year hold

• IRR: 23.8%
• Equity multiple: 2.94×
• Total profit: $73,668
• Equity at exit: $11,716

Cash invested: $37,940 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 95991

• Rents YoY: 1.8%
• Active inventory: 149
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $2,155 medium
• Mortgage (P&I): −$711
• Tax est. 1.5%: −$169 /mo · $2,032/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$452
• Net cashflow: $766

Break-even live

Break-even rent $1,185

Max offer price $135,500

Occupancy floor 59%

Sensitivity live

Price	-10% $859	-5% $813	+0% $766	+5% $719	+10% $672
Rent	-10% $596	-5% $681	+0% $766	+5% $851	+10% $936
Rate	-1.0pp $834	-0.5pp $800	base $766	+0.5pp $731	+1.0pp $695

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: $33,875
• Closing costs: $4,065
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-16
   days on market $135,500 Active 147 DOM
2. 2026-06-15
   days on market $135,500 Active 146 DOM
3. 2026-06-14
   days on market $135,500 Active 144 DOM
4. 2026-06-13
   days on market $135,500 Active 143 DOM
5. 2026-06-10
   days on market $135,500 Active 141 DOM
6. 2026-06-09
   days on market $135,500 Active 140 DOM
7. 2026-06-08
   days on market $135,500 Active 139 DOM
8. 2026-06-07
   days on market $135,500 Active 138 DOM
9. 2026-06-05
   days on market $135,500 Active 135 DOM
10. 2026-06-03
    days on market $135,500 Active 134 DOM
11. 2026-06-02
    days on market $135,500 Active 133 DOM
12. 2026-06-01
    days on market $135,500 Active 132 DOM
13. 2026-05-31
    days on market $135,500 Active 131 DOM
14. 2026-05-30
    days on market $135,500 Active 130 DOM
15. 2026-03-31
    price $135,500 638-char remark

    Show marketing remark (638 chars)

    MUST SEE this Wonderful 3 bedroom / 2 bath home in desired Park in Yuba City. Home recently renovated and all repairs paid for by previous owner. The shed is completely renovated like new. New flooring in Primary Bedroom, new light fixtures in kitchen and laundry room , dryer vent with new duct work. Leaks under the home repaired, new electrical lines , New paint and siding on outside of home, shed is matching color. New deck stairs and deck painted , new entry light. New electrical to shed. Looking forward to seeing you soon. Space rent includes cable service, water and sewer. Owner responsible for trash pickup and electric/gas.

16. 2026-02-16
    price $140,500 638-char remark

    Show marketing remark (638 chars)

    MUST SEE this Wonderful 3 bedroom / 2 bath home in desired Park in Yuba City. Home recently renovated and all repairs paid for by previous owner. The shed is completely renovated like new. New flooring in Primary Bedroom, new light fixtures in kitchen and laundry room , dryer vent with new duct work. Leaks under the home repaired, new electrical lines , New paint and siding on outside of home, shed is matching color. New deck stairs and deck painted , new entry light. New electrical to shed. Looking forward to seeing you soon. Space rent includes cable service, water and sewer. Owner responsible for trash pickup and electric/gas.

17. 2026-02-07
    price $152,500 638-char remark

    Show marketing remark (638 chars)

    MUST SEE this Wonderful 3 bedroom / 2 bath home in desired Park in Yuba City. Home recently renovated and all repairs paid for by previous owner. The shed is completely renovated like new. New flooring in Primary Bedroom, new light fixtures in kitchen and laundry room , dryer vent with new duct work. Leaks under the home repaired, new electrical lines , New paint and siding on outside of home, shed is matching color. New deck stairs and deck painted , new entry light. New electrical to shed. Looking forward to seeing you soon. Space rent includes cable service, water and sewer. Owner responsible for trash pickup and electric/gas.

18. 2026-01-20
    listed $157,500 Active 638-char remark

    Show marketing remark (638 chars)

    MUST SEE this Wonderful 3 bedroom / 2 bath home in desired Park in Yuba City. Home recently renovated and all repairs paid for by previous owner. The shed is completely renovated like new. New flooring in Primary Bedroom, new light fixtures in kitchen and laundry room , dryer vent with new duct work. Leaks under the home repaired, new electrical lines , New paint and siding on outside of home, shed is matching color. New deck stairs and deck painted , new entry light. New electrical to shed. Looking forward to seeing you soon. Space rent includes cable service, water and sewer. Owner responsible for trash pickup and electric/gas.

ⓘ 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 0% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥105°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 28 unhealthy d/yr today · 32 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,855
• − Mortgage interest: −$7,590
• − Property taxes: −$2,032
• − Insurance: −$678
• − Repairs & maintenance: −$2,068
• − Management: −$2,068
• − Depreciation: −$3,942
• Taxable income: $7,476
• Est. tax owed @ 24.0%: −$1,794
• After-tax cash flow: $7,394/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: Yuba City Unified
• NCES district ID: 0643470
• Math proficiency: 20% ▼ -10.00%
• Reading proficiency: 53% ▲ 5.00%
• Median HH income: $50,923
• Composite: 31.55/100
• National rank: #5956
• State rank: #263 of 517 in CA

Livability — Yuba City

• Score: 75/100
• State rank: #111
• US rank: #3863

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Yuba City, CA
• County: Sutter County · 81,625 people
• City population: 81,625
• Metro: Yuba City, CA
• Population (ZIP): 42,579
• Household income: $70,590
• Rent vs Own: 49.3% rent · 50.7% own
• Severe rent burden: 1674.0

Population outlook (Sutter County) Hauer SSP2

• Today (2025): 97,244 people
• By 2030: 97,170 · -0.1%
• By 2040: 96,137 · -1.1%
• By 2050: 93,604 · -3.7%
• By 2075: 85,008 · -12.6%
• By 2100: 71,584 · -26.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: Hispanic / Latino 41% White 37% Two or more races 19% Asian 12% Black 2% Native American 2%
• Hispanic origin (detail): Mexican 36% Puerto Rican 2%
• Common ancestry: Slovak 2% Russian 1% Portuguese 1%
• Foreign-born: 24% · Canada, Jamaica
• Languages at home: 60% English-only · Spanish 28% Other Indo-European 10% Other Asian/Pacific 1%

Political lean MEDSL · Sutter

• 2024 margin: Solid R (+31.4) · D 33.1% · R 64.5% · Other 2.4%
• 2008→2024 swing: -14.7pp toward R · 2008: -16.7pp · 2024: -31.4pp
• All cycles: 2024: R+31.4 2020: R+16.4 2016: R+16.3 2012: R+21.8 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -343.11%
• Current HPI: 240.3835
• Rent YoY: ▲ 1.79%
• Metro: Yuba City, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

-14.0% since first listed

4 events — show timeline

• 2026-03-31 Price Changed $135,500 CRMLS
• 2026-02-16 Price Changed $140,500 CRMLS
• 2026-02-07 Price Changed $152,500 CRMLS
• 2026-01-20 Listed $157,500 CRMLS

Property tax history

+46.4%/yr

Latest (2025): $122,806 · +0.3% YoY. Source: county tax records.