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195 N A St
B Composite 73.54
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
  • DSCR +10.0/10.0
  • 1% rule +7.9/10.0
  • ARV discount +7.5/15.0
  • Schools +6.1/10.0
  • Appreciation +4.6/10.0
  • Livability +3.9/5.0
  • Rent growth +2.7/5.0
  • Condition / age +1.0/5.0

$175,000

195 N A St · Centerton, AR 72719
5 bd · 2.0 ba · 2,305 sqft · SingleFamily public records · 112 Days on market
Built 1905 Poor condition 0.25 ac lot $76/sqft · 51% below area ↓ 3% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Built in 1905, this gem of a historic home offers a rare opportunity for those with a passion for preservation to restore a piece of Centerton’s past. This property is listed on the Arkansas Historical Homes Registry and is a cornerstone of old Centerton, where neighbors would walk by to share the news of the day. Located in the heart of Old Town Downtown Centerton, the property sits within a designated zoning area poised for revitalization in the coming years, making it an exceptional investment. The property has been unoccupied for several years and will require extensive repairs, ideal for a skilled renovator or investor to reimagine its original charm. Within one block you will discover the historic McKissick Springs, Marrs Mercantile, The Ravington, and City Park, making this property perfectly positioned in one of Centerton’s most evolving areas. Additionally, an incoming Walmart Supercenter will be minutes away. A rare chance to restore, reimagine, and contribute to the next chapter of Old Town Centerton.

Key facts

  • 0.25 acre lot
  • Built 1905
  • Listed 111 days

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 5-bed/2.0-bath single-family listed at $175k. Condition is rated poor.

Deal economics

  • At list price, monthly cash flow is $710 ($9k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $175k).
  • Recommended offer: $159k (9.0% below list) — sets the bar for market timing.
  • Cap rate 11.2% vs local median 3.0% in Centerton — 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 77/100 on livability (#11 in AR, #3,194 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F.
  • Bentonville School District (urban): math 59% / reading 59% proficiency, ranked #3 of 238 in AR (top 1%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: Rents flat; 605 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 4,359 units permitted in Benton County in 2024 (402 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-0.9%/yr); year-one equity from $1k of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Benton County population projected at +56% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • At projected returns (-0.9% appreciation + 0.6% rent growth), your $49k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 112 days — a 9% lower offer ($159k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts; this cycle's ask has dropped $24k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1905 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $159,250 (9.0% below list)

Questions for the listing agent

  1. It's been on market 112 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1905 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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 B-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. 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.
  8. 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.
  9. 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
1.29%
Cap rate
11.16%
Cash-on-cash
17.38%
DSCR
1.77
GRM
6.5

CMA / ARV

ARV (median comp)
$353,685
List price
$175,000
Delta
-50.52%
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
116 Birch St 0.59mi 4/2.0 (-1) 2,257 (-2%) 6mo $375,000 $166 59
170 Spicewood Trl 0.69mi 4/2.0 (-1) 2,150 (-7%) 0mo $460,414 $214 51
1110 Garrett Ln 0.72mi 4/2.0 (-1) 2,150 (-7%) 0mo $386,200 $180 50
570 Bonanza St 0.67mi 4/3.5 (-1) 2,239 (-3%) 6mo $385,000 $172 48
1121 Garrett Ln 0.73mi 4/3.0 (-1) 2,413 (+5%) 4mo $519,570 $215 46
1120 Garrett Ln 0.73mi 4/2.0 (-1) 2,150 (-7%) 6mo $449,463 $209 45
1101 Garrett Ln 0.71mi 5/3.0 2,575 (+12%) 6mo $514,532 $200 39
205 Callie Ln 0.72mi 4/2.0 (-1) 2,002 (-13%) 1mo $365,000 $182 39
1030 Ari Ave 0.64mi 4/2.0 (-1) 1,962 (-15%) 3mo $389,938 $199 38
1111 Garrett Ln 0.72mi 5/3.0 2,575 (+12%) 6mo $546,049 $212 38
1070 Ari Ave 0.69mi 4/2.0 (-1) 1,964 (-15%) 2mo $389,938 $199 36
1120 Ari Ave 0.74mi 4/2.0 (-1) 1,964 (-15%) 2mo $389,938 $199 34

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

Projected returns pro-forma

-0.87% appreciation · 0.64% rent growth · sell at horizon

5-year hold
IRR
12.7%
Equity multiple
1.57×
Total profit
$27,753
Equity at exit
$43,337
10-year hold
IRR
16.9%
Equity multiple
2.57×
Total profit
$76,968
Equity at exit
$46,445

Cash invested: $49,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
92 Strongly Landlord-Friendly
State Arkansas
92 Strongly Landlord-Friendly · R+14
County
— inherits STATE
City
— inherits STATE
Only US state where non-payment is criminal. Strongly landlord-favorable; very few tenant protections.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
31 active · 19 under contract
Months of supply
6.4 mo (16%/mo absorbed)
Median asking
$393,680 ($192/sqft)
Median days on market
76 d
This list price
lowest-priced of the active set
ARV vs active asking
-20.2% vs current asking $/sqft

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

ZIP-level market 72719

Home prices YoY
-0.3%
Rents YoY
0.6%
Active inventory
605
Price-to-rent
6.5×

Monthly cashflow live

Estimated rent
$2,259 high interval (Pro) →
Mortgage (P&I)
$918
Tax from tax record
$85 /mo · $1,016/yr
Insurance
$73
HOA
$0
Vacancy / Maint / Mgmt
$474
Net cashflow
$710

Break-even live

Break-even rent $1,361
Max offer price $175,000
Occupancy floor 64%

Sensitivity live

Price -10% $809 -5% $759 +0% $710 +5% $660 +10% $610
Rent -10% $531 -5% $620 +0% $710 +5% $799 +10% $888
Rate -1.0pp $798 -0.5pp $754 base $710 +0.5pp $664 +1.0pp $618

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
$43,750
Closing costs
$5,250
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 24 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
292 Township Dr Centerton, AR 4.0 2.0 1650 $1,795 $1.09 6d 1 0.39mi
292 Township Dr Centerton, AR 4.0 2.0 1650 $1,795 $1.09 4d 1 0.39mi
460 Kate Dr Centerton, AR 4.0 2.0 1783 $1,775 $1.00 6d 1 0.42mi
320 Beasley Dr Centerton, AR 4.0 2.0 1707 $1,850 $1.08 119d 1 0.45mi
301 Cisterna Dr Centerton, AR 4.0 2.5 2162 $2,400 $1.11 119d 1 0.64mi
800 Venice St Centerton, AR 4.0 3.0 1803 $1,995 $1.11 119d 1 0.66mi
500 Piper Ln Centerton, AR 4.0 2.0 1888 $2,095 $1.11 6d 1 0.82mi
1092 Main St Centerton, AR 4.0 2.5 2348 $2,395 $1.02 6d 1 0.87mi
802 SW Green World St Bentonville, AR 4.0 2.0 1634 $1,850 $1.13 4d 1 0.88mi
730 Winston Pl Centerton, AR 4.0 2.0 1915 $2,095 $1.09 6d 1 0.88mi
1053 Tarah Knolls Cir Centerton, AR 4.0 2.0 1880 $2,090 $1.11 119d 1 0.89mi
905 SW Loudon Dr Bentonville, AR 4.0 2.0 1680 $1,850 $1.10 119d 1 0.95mi
1331 Ari Ave Centerton, AR 4.0 2.0 1964 $2,100 $1.07 6d 1 0.95mi
751 Spicewood Trl Centerton, AR 4.0 2.5 2124 $2,375 $1.12 1d 1 0.97mi
810 SW Pure Globe St Bentonville, AR 4.0 2.0 1850 $1,850 $1.00 6d 1 0.99mi
441 Willow Dr Centerton, AR 4.0 2.0 1903 $2,395 $1.26 119d 1 1.24mi
751 Bob Glen Cir Centerton, AR 4.0 2.5 2232 $2,400 $1.08 117d 1 1.24mi
1050 Whistler St Bentonville, AR 4.0 3.0 2125 $2,550 $1.20 6d 1 1.25mi
1041 Whistler St Bentonville, AR 4.0 4.0 2450 $2,900 $1.18 6d 1 1.25mi
1041 Whistler St Bentonville, AR 4.0 4.0 2900 $2,900 $1.00 110d 1 1.25mi
3401 SW Endearment St Bentonville, AR 4.0 2.5 2065 $2,000 $0.97 119d 1 1.44mi
1500 Blue Moon Rd Centerton, AR 4.0 2.5 2443 $2,800 $1.15 6d 1 1.44mi
1731 King Rd Centerton, AR 4.0 2.0 1648 $1,650 $1.00 6d 1 1.45mi
1620 Sweetbriar Way Centerton, AR 4.0 2.0 1910 $1,995 $1.04 6d 1 1.50mi

Property features AI

Finance

Other
Lot size approximately 0.25 acres
Financial info
Annual tax amount available but omitted
HOA & community
Association fees billed monthly

Exterior

Parking
No parking details provided
Security
No security features listed
Utilities
Electricity availableNatural gas availablePublic waterPublic sewer
Home design
2-story homeBrick constructionCrawlspace foundationAsphalt shingle roofBuilt 25+ years ago
Construction
Brick constructionAsphalt shingle roofCrawlspace foundationApproximately 25+ years old
Exterior features
Gravel drivewayLot is cleared and levelLocated in a central business districtPublic road frontage

Interior

Kitchen
No kitchen appliance details provided
Bedrooms
Bedroom count not specified
Flooring
Concrete
Bathrooms
2 full bathrooms
Heating & cooling
No heating or cooling details provided
Interior features
Concrete flooringNo additional interior features specified
Laundry & utility
No hot water (appliance note)

Listing history 50 events

  1. 2026-09-24
    days on market $175,000 Active 112 DOM
  2. 2026-09-23
    days on market $175,000 Active 111 DOM
  3. 2026-09-22
    days on market $175,000 Active 110 DOM
  4. 2026-09-21
    days on market $175,000 Active 109 DOM
  5. 2026-09-20
    days on market $175,000 Active 108 DOM
  6. 2026-09-19
    days on market $175,000 Active 107 DOM
  7. 2026-09-18
    days on market $175,000 Active 106 DOM
  8. 2026-09-17
    days on market $175,000 Active 105 DOM
  9. 2026-09-16
    days on market $175,000 Active 104 DOM
  10. 2026-09-15
    days on market $175,000 Active 103 DOM
  11. 2026-09-14
    days on market $175,000 Active 102 DOM
  12. 2026-09-13
    days on market $175,000 Active 101 DOM
  13. 2026-09-12
    days on market $175,000 Active 100 DOM
  14. 2026-09-11
    pricedays on market $175,000 Active 99 DOM
  15. 2026-09-05
    days on market $182,000 Active 93 DOM
  16. 2026-09-04
    days on market $182,000 Active 92 DOM
  17. 2026-09-03
    days on market $182,000 Active 91 DOM
  18. 2026-08-31
    pricedays on market $182,000 Active 88 DOM
  19. 2026-08-30
    days on market $189,500 Active 87 DOM
  20. 2026-08-29
    days on market $189,500 Active 86 DOM
  21. 2026-08-28
    days on market $189,500 Active 85 DOM
  22. 2026-08-27
    days on market $189,500 Active 84 DOM
  23. 2026-08-26
    days on market $189,500 Active 83 DOM
  24. 2026-08-25
    days on market $189,500 Active 82 DOM
  25. 2026-08-24
    days on market $189,500 Active 81 DOM
  26. 2026-08-23
    days on market $189,500 Active 80 DOM
  27. 2026-08-22
    days on market $189,500 Active 79 DOM
  28. 2026-08-21
    days on market $189,500 Active 78 DOM
  29. 2026-08-20
    days on market $189,500 Active 77 DOM
  30. 2026-08-19
    days on market $189,500 Active 76 DOM
  31. 2026-08-18
    days on market $189,500 Active 75 DOM
  32. 2026-08-17
    days on market $189,500 Active 74 DOM
  33. 2026-08-16
    days on market $189,500 Active 73 DOM
  34. 2026-08-15
    days on market $189,500 Active 72 DOM
  35. 2026-08-15
    days on market $189,500 Active 71 DOM
  36. 2026-08-13
    days on market $189,500 Active 70 DOM
  37. 2026-08-12
    days on market $189,500 Active 69 DOM
  38. 2026-08-11
    days on market $189,500 Active 68 DOM
  39. 2026-08-10
    days on market $189,500 Active 67 DOM
  40. 2026-08-09
    days on market $189,500 Active 66 DOM
  41. 2026-08-08
    days on market $189,500 Active 65 DOM
  42. 2026-08-07
    days on market $189,500 Active 64 DOM
  43. 2026-08-06
    days on market $189,500 Active 63 DOM
  44. 2026-08-05
    days on market $189,500 Active 62 DOM
  45. 2026-08-04
    days on market $189,500 Active 61 DOM
  46. 2026-08-03
    days on market $189,500 Active 60 DOM
  47. 2026-07-31
    days on market $189,500 Active 57 DOM
  48. 2026-07-30
    days on market $189,500 Active 56 DOM
  49. 2026-07-29
    days on market $189,500 Active 55 DOM
  50. 2026-07-27
    days on market $189,500 Active 53 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 AR · Resets to sale price

Current annual tax
$1,016 · $85/mo
Projected year-2 tax
$1,120 · $93/mo
Expected delta
+$104/yr (+$9/mo · 10.2%)

ⓘ 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 4/10 Moderate
  • 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$27,112
− Mortgage interest
−$9,803
− Property taxes
−$1,016
− Insurance
−$875
− Repairs & maintenance
−$2,169
− Management
−$2,169
− Depreciation
−$5,091
Taxable income
$5,989
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,437
After-tax cash flow
$7,077/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 · 2 photos

Poor 20/100 Extensive rehab Est. rehab $115,250–$207,450 screening

This historic home requires extensive repairs and maintenance, including roof and exterior work, to become move-in ready and increase its value.

Components & finishes AI

Roof asphalt shingle · good

Deferred maintenance Est. $30,500–$92,000 screening

  • Minor Roof (roof) — No visible signs of damage or wear on the roof.
  • Major Windows (windows) — Windows appear old and possibly in need of replacement.
  • Major Electrical (electrical) — Electrical panel appears old and may need upgrading or replacement.
  • Major Exterior (exterior) — Exterior walls show signs of wear and possible structural issues.

Repairs flagged

  • Major roof — Significant wear and possible leaks
  • Major exterior siding — Peeling paint and missing siding
  • Major interior walls — No photos, but likely in poor condition

Value-add opportunities

  • Both exterior painting and siding repair — Improves curb appeal and value
  • Both roof repair — Fixes potential leaks and enhances safety
  • Both interior painting and repairs — Enhances interior appearance and value

ⓘ Rehab cost is a screening estimate — Extensive scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

C Composite school gradezoned avg 60/100

Zoned Schools

Elementary Centerton Gamble Elementary B AR #35/454 Nat'l #6,943/41,679 Middle Lincoln Junior High School B+ AR #4/201 Nat'l #1,362/14,009 High Bentonville High School C AR #8/292 Nat'l #4,271/17,239

Schools (NCES district)

District
Bentonville School District
NCES district ID
0503060
Math proficiency
59% ▼ -8.00%
Reading proficiency
59% ▼ -6.00%
Median HH income
$66,721
Composite
51.85/100
National rank
#1661
State rank
#3 of 238 in AR
B Composite livability gradescore 77/100

Livability — Centerton

Score
77/100
State rank
#11
US rank
#3194

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

Census place
Centerton, AR
County
Benton County · 318,683 people
City population
19,701
Metro
Fayetteville-Springdale-Rogers, AR
Population (ZIP)
19,701
Household income
$113,542
Rent vs Own
37.3% rent · 62.7% own
Severe rent burden
8% of renters

Population outlook (Benton County) Hauer SSP2

Today (2025)
318,683 people
By 2030
353,481 · +10.9%
By 2040
425,280 · +33.4%
By 2050
497,239 · +56.0%
By 2075
662,114 · +107.8%
By 2100
776,431 · +143.6%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.64)
Race & ethnicity
White 58% Two or more races 25% Hispanic / Latino 14% Black 6% Asian 5%
Hispanic origin (detail)
Mexican 8% Cuban 2%
Common ancestry
Slovak 2% Italian 1% Lithuanian 1%
Foreign-born
10% · Canada, Vietnam
Languages at home
89% English-only · Spanish 9% Vietnamese 1% Other Asian/Pacific 1%

Political lean MEDSL · Benton

2024 margin
Strong R (+27.0) · D 35.2% · R 62.1% · Other 2.7%
2008→2024 swing
+9.6pp toward D · 2008: -36.5pp · 2024: -27.0pp
All cycles
2024: R+27.0 2020: R+26.4 2016: R+34.9 2012: R+40.4 2008: R+36.5

Not yet ingested

Civics

Price history

-2.8% since first listed
11 events — show timeline
  • 2026-06-30 Price Changed $194,500 NWARMLS
  • 2026-06-04 Listed $199,500 NWARMLS
  • 2026-04-23 Sold (Public Records) $160,000 Public Records
  • 2026-04-21 Sold (MLS) $160,000 NWARMLS
  • 2026-04-12 Pending NWARMLS
  • 2026-03-18 Relisted NWARMLS
  • 2026-03-18 Price Changed $190,000 NWARMLS
  • 2026-03-08 Pending NWARMLS
  • 2026-02-18 Relisted NWARMLS
  • 2025-12-30 Pending NWARMLS
  • 2025-12-19 Listed $200,000 NWARMLS

Property tax history

+4.2%/yr

Latest (2025): $1,016 · +10.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…