1964 N Oak St · Bettendorf, IA 52722

$180,000

3 bd · 1.0 ba · 1,534 sqft · SingleFamily public records · 3 Days on market

Built 1962 6,098 sqft lot Est $250k · 28% under

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Why this score? — see what drove the C+ 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 +21.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.7/10.0
• Schools +6.5/10.0
• 1% rule +5.4/10.0
• Livability +4.0/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This one-owner Bettendorf home has been lovingly maintained and is ready for its next chapter. Major updates including the roof, siding, and windows have already been completed, allowing the next owner to focus on making the space their own. A wonderful surprise awaits beneath your feet with beautiful hardwood floors extending throughout much of the main living area and bedrooms, adding warmth and timeless character to the home. Move right in and personalize the decor to match your style while enjoying the peace of mind that comes with so many important improvements already being done. Call today for your private showing!

Key facts

• Siding updates
• Window updates
• Roof updates

Tags

• HARDWOOD FLOORS
• ROOF UPDATES
• SIDING UPDATES
• WINDOW UPDATES

Property features AI

Finance

• Other: Built before 1978
• HOA & community: No master association fee required

Exterior

• Parking: Attached garage with concrete parking (1 garage space, 1 total parking)
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; Split-level design; Fee simple ownership; Built approximately 61–70 years ago; Assessor listed living area
• Construction: Vinyl siding; Asphalt roof; Block foundation
• Exterior features: Patio; Corner lot

Interior

• Kitchen: Refrigerator included; Kitchen on main level (10 x 10)
• Bedrooms: Master bedroom on main level (12 x 11) with hardwood flooring; Second bedroom on main level (11 x 10) with hardwood flooring; Third bedroom on main level (11 x 8) with hardwood flooring
• Flooring: Hardwood in bedrooms and master; Carpet in living room and dining room
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Partially finished full basement; Kitchen/dining combo; Seven total rooms
• Laundry & utility: Lower-level laundry room (13 x 15)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $257 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $180k).
• Cap rate 8.0% vs local median 3.0% in Bettendorf — 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 81/100 on livability (#73 in IA, #1,579 nationally) — a professional / high-income tenant draw. Strengths: schools A+, crime A+, employment A+; Watch: amenities F, commute F.
• Bettendorf Community School District (suburban): math 74% / reading 75% proficiency, ranked #57 of 289 in IA (top 20%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Market conditions: Rents rising (+2.9%/yr); 426 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 805 units permitted in Scott County in 2024 (479 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Scott County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $180,000

Questions for the listing agent

1. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.04% ✓
• Cap rate: 8.01%
• Cash-on-cash: 6.12%
• DSCR: 1.27
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $250,042
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1822 Cody St	0.15mi	4/2.0 (+1)	1,517 (-1%)	0mo	$220,000	$145	82
909 23rd St	0.28mi	4/1.0 (+1)	1,394 (-9%)	2mo	$90,000	$65	65
2538 Bellevue Ave	0.35mi	3/2.0	1,400 (-9%)	2mo	$201,000	$144	63
1520 Parklane Dr Dr	0.73mi	3/1.5	1,536 (+0%)	3mo	$289,900	$189	61
940 30th St	0.71mi	3/1.5	1,612 (+5%)	2mo	$220,000	$136	55
60 Parklane Cir	0.75mi	3/1.0	1,599 (+4%)	6mo	$238,000	$149	53
1224 14th St	0.48mi	3/1.5	1,312 (-14%)	2mo	$265,000	$202	50
1446 Lakewood Dr	0.67mi	3/1.5	1,392 (-9%)	2mo	$228,000	$164	50
1723 Monterey Ct	0.67mi	3/2.5	1,465 (-4%)	8mo	$355,000	$242	49
1522 25th St	0.39mi	3/2.0	1,749 (+14%)	7mo	$284,900	$163	49
1303 Fairlane Dr	0.69mi	3/1.0	1,710 (+12%)	8mo	$240,000	$140	42
1535 14th St	0.61mi	3/1.5	1,353 (-12%)	9mo	$225,000	$166	42

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 · 2.88% rent growth · sell at horizon

5-year hold

• IRR: -7.0%
• Equity multiple: 0.74×
• Total profit: $-13,019
• Equity at exit: $26,839

10-year hold

• IRR: 2.5%
• Equity multiple: 1.18×
• Total profit: $8,868
• Equity at exit: $15,563

Cash invested: $50,400 (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 52722

• Rents YoY: 2.9%
• Active inventory: 426
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,875 high
• Mortgage (P&I): −$944
• Tax from tax record: −$205 /mo · $2,464/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$394
• Net cashflow: $257

Break-even live

Break-even rent $1,550

Max offer price $180,000

Occupancy floor 81%

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1414 Central Ave Bettendorf, IA	3.0	2.0	1295	$1,995	$1.54	44d	1	0.43mi
2500 Grant St Unit 212 Bettendorf, IA	2.0	1.0	1304	$2,315	$1.78	44d	1	0.54mi
1156 Devils Glen Rd Bettendorf, IA	3.0	1.0–2.0	800	$1,790	$2.24	13d	9	1.03mi
2339 Hawthorne Ct Bettendorf, IA	3.0	1.0	1375	$1,695	$1.23	44d	1	1.17mi
2900 River Dr Moline, IL	1.0–3.0	1.0–2.0	1137	$1,599	$1.41	21d	1	1.38mi

Listing history 4 events

1. 2026-06-13
   statusdays on market $180,000 Pending 3 DOM
2. 2026-06-10
   days on market $180,000 Active 2 DOM
3. 2026-06-09
   remarks 629-char remark
4. 2026-06-09
   listed $180,000 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 IA · Partial reset (capped growth)

• Current annual tax: $2,464 · $205/mo
• Projected year-2 tax: $2,645 · $220/mo
• Expected delta: +$181/yr (+$15/mo · 7.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,498
• − Mortgage interest: −$10,083
• − Property taxes: −$2,464
• − Insurance: −$900
• − Repairs & maintenance: −$1,800
• − Management: −$1,800
• − Depreciation: −$5,236
• Taxable income: $215
• Est. tax owed @ 24.0%: −$52
• After-tax cash flow: $3,030/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: Bettendorf Community School District
• NCES district ID: 1904860
• Math proficiency: 74% ▼ -6.00%
• Reading proficiency: 75% ▼ -2.00%
• Median HH income: $66,823
• Composite: 64.71/100
• National rank: #522
• State rank: #57 of 289 in IA

Livability — Bettendorf

• Score: 81/100
• State rank: #73
• US rank: #1579

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bettendorf, IA
• County: Scott County · 144,583 people
• City population: 41,264
• Metro: Davenport-Moline-Rock Island, IA-IL
• Population (ZIP): 41,264
• Household income: $101,546
• Rent vs Own: 24.2% rent · 75.8% own
• Severe rent burden: 935.0

Population outlook (Scott County) Hauer SSP2

• Today (2025): 188,878 people
• By 2030: 196,648 · +4.1%
• By 2040: 210,860 · +11.6%
• By 2050: 224,359 · +18.8%
• By 2075: 258,884 · +37.1%
• By 2100: 286,447 · +51.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Asian 7% Two or more races 7% Hispanic / Latino 5% Black 2%
• Common ancestry: Portuguese 3% Italian 3% Romanian 2%
• Foreign-born: 7% · Canada, China, Vietnam
• Languages at home: 92% English-only · Other Asian/Pacific 2% Spanish 2% Other Indo-European 1%

Political lean MEDSL · Scott

• 2024 margin: Toss-up / Even · D 47.3% · R 51.2% · Other 1.4%
• 2008→2024 swing: -18.4pp toward R · 2008: 14.6pp · 2024: -3.9pp
• All cycles: 2024: R+3.9 2020: D+3.5 2016: D+1.4 2012: D+13.8 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -111.45%
• Current HPI: 194.8355
• Rent YoY: ▲ 2.88%
• Metro: Davenport-Moline-Rock Island, IA-IL
• 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

1 event — show timeline

• 2026-06-08 Listed $180,000 MRED as Distributed by MLS Grid

Property tax history

+3.7%/yr

Latest (2025): $2,464 · +1.1% YoY. Source: county tax records.