19873 N Castille Dr · Maricopa, AZ 85138

$249,700

5 bd · 3.0 ba · 2,744 sqft · SingleFamily public records · 6 Days on market

Built 2006 6,585 sqft lot Est $439k · 43% under $87/mo HOA · 4% of rent

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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 +17.1/30.0
• ARV discount +15.0/15.0
• DSCR +5.3/10.0
• Appreciation +4.6/10.0
• 1% rule +4.3/10.0
• Livability +3.6/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

Wonderful clean barely lived in home, tile, True 5bd w/ 2.5 bath. Plus Loft, plus bonus room downstairs. Huge master suite with walk in closet, separate shower tub, vaulted ceilings.All window coverings and some appliances included!

Key facts

• Near schools
• Near shopping
• Private backyard

Tags

• OPEN-CONCEPT LAYOUT
• LOW-MAINTENANCE LANDSCAPING
• PRIVATE BACKYARD
• NEAR PARKS
• NEAR SCHOOLS
• NEAR SHOPPING

Property features AI

Finance

• Financial info: Current financing: Other
• HOA & community: Homeowners association with quarterly fee of $260 (fee covers other items as noted in remarks)

Exterior

• Parking: 1 covered parking space; 1 open parking space; 1 garage space
• Utilities: City water; Public sewer; Other utilities
• Home design: Single family residence; Fee simple ownership
• Construction: Wood frame construction; Painted exterior; Concrete roof; Building area reported by owner
• Exterior features: Block fencing; No notable lot features listed

Interior

• Kitchen: Kitchen island; Refrigerator; Dishwasher
• Bedrooms: Up to 5 possible bedrooms
• Bathrooms: 3 full bathrooms
• Heating & cooling: Natural gas heating; Ceiling fans; Other cooling
• Interior features: Kitchen island; Refrigerator; Dishwasher; Laundry details available (see remarks)
• Laundry & utility: Laundry details noted in remarks

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $172 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $233k (6.8% below list).
• Recommended offer: $233k (6.8% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 3.7% in Maricopa — 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 72/100 on livability (#28 in AZ) — a middle-class / working-renter tenant base. Strengths: housing A+, employment A-, crime B+; Watch: amenities F, commute F, health & safety F.
• Maricopa Unified School District (4441) (town): math 20% / reading 29% proficiency, ranked #128 of 249 in AZ (top 51%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Santa Cruz Elementary School (math 27% / reading 34%, grade F, #536 of 1,109 statewide, top 49%, 764 students, 59% FRL); Desert Wind Middle School (math 14% / reading 26%, grade F, #127 of 218 statewide, top 60%, 817 students, 52% FRL); Maricopa High School (math 12% / reading 19%, grade F, #262 of 381 statewide, top 69%, 2,188 students, 46% FRL).
• Market conditions: Rents rising (+1.8%/yr); 845 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 9,504 units permitted in Pinal County in 2024 (776 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-0.9%/yr); year-one equity from $2k of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 18y ago 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.
• Current owner paid $109k; list at $250k implies a 129% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $232,798 (6.8% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 0.93% ✗
• Cap rate: 7.12%
• Cash-on-cash: 2.95%
• DSCR: 1.13
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $439,040
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
36265 W Alhambra St	0.11mi	5/2.5	2,745 (0%)	8mo	$375,000	$137	86
36066 W Vera Cruz Dr	0.29mi	5/3.0	2,788 (+2%)	3mo	$420,000	$151	82
19324 N Del Mar Ave	0.36mi	5/3.0	2,788 (+2%)	6mo	$399,900	$143	75
37111 W Parador Ln	0.73mi	5/3.0	2,776 (+1%)	7mo	$412,990	$149	58
36766 W Nina St	0.64mi	5/3.0	2,537 (-8%)	3mo	$419,990	$166	55
18939 N Avelino Dr	0.67mi	5/3.0	2,537 (-8%)	3mo	$406,300	$160	54
18925 N Avelino Dr	0.68mi	5/3.0	2,537 (-8%)	5mo	$387,990	$153	52
19176 N Bandin Dr	0.71mi	5/3.0	2,530 (-8%)	6mo	$401,590	$159	49
37192 W Parador Ln	0.74mi	5/3.0	2,530 (-8%)	5mo	$455,000	$180	48
37152 W Parador St	0.72mi	5/3.0	2,530 (-8%)	7mo	$439,990	$174	47
19165 N Los Gabrieles Way	0.60mi	4/2.5 (-1)	2,476 (-10%)	5mo	$413,000	$167	45
19225 N Los Gabrieles Way	0.60mi	4/2.5 (-1)	2,377 (-13%)	5mo	$382,000	$161	39

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

Projected returns pro-forma

-0.89% appreciation · 1.78% rent growth · sell at horizon

5-year hold

• IRR: -3.1%
• Equity multiple: 0.87×
• Total profit: $-9,395
• Equity at exit: $61,623

10-year hold

• IRR: 2.5%
• Equity multiple: 1.23×
• Total profit: $16,281
• Equity at exit: $65,865

Cash invested: $69,916 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Arizona: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

Methodology + full state rankings →

ZIP-level market 85138

• Home prices YoY: -0.3%
• Rents YoY: 1.8%
• Active inventory: 845
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $2,328 high
• Mortgage (P&I): −$1,309
• Tax from tax record: −$166 /mo · $1,998/yr
• Insurance: −$104
• HOA: −$87
• Vacancy / Maint / Mgmt: −$489
• Net cashflow: $172

Break-even live

Break-even rent $2,110

Max offer price $249,700

Occupancy floor 88%

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: $62,425
• Closing costs: $7,491
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
36148 W Seville Dr Maricopa, AZ	4.0	3.0	1950	$2,450	$1.26	15d	1	0.29mi
37043 W Vera Cruz Dr Maricopa, AZ	4.0	2.0	1832	$2,300	$1.26	1d	1	0.57mi
18853 N Vemto St Maricopa, AZ	4.0	3.0	2233	$1,895	$0.85	24d	1	0.64mi
36033 W San Clemente Ave Maricopa, AZ	4.0	2.0	1775	$1,700	$0.96	44d	1	0.72mi
35455 W Cartegna Ln Maricopa, AZ	4.0	2.0	1832	$2,200	$1.20	10d	1	0.75mi
35450 W Santa Clara Ave Maricopa, AZ	5.0	5.5	3199	$2,500	$0.78	24d	1	0.98mi
36419 W San Ildefanso Ave Maricopa, AZ	4.0	2.0	1849	$1,795	$0.97	15d	1	0.98mi
35963 W San Alvarez Ave Maricopa, AZ	4.0	2.0	1922	$1,995	$1.04	24d	1	1.05mi
37963 W Merced St Maricopa, AZ	4.0	3.0	2488	$2,285	$0.92	22d	1	1.12mi
37154 W Amalfi Ave Maricopa, AZ	4.0	2.5	2223	$1,695	$0.76	24d	1	1.30mi
18735 N Ravello Rd Maricopa, AZ	5.0	3.0	1997	$2,450	$1.23	44d	1	1.31mi
17936 N Lettere Cir Maricopa, AZ	4.0	2.5	2012	$1,800	$0.89	5d	1	1.42mi

HOA detail

• Monthly dues: $87 · $1,044/yr

Listing history 6 events

1. 2026-06-18
   days on market $249,700 Active 6 DOM
2. 2026-06-17
   days on market $249,700 Active 5 DOM
3. 2026-06-16
   days on market $249,700 Active 4 DOM
4. 2026-06-15
   days on market $249,700 Active 3 DOM
5. 2026-06-13
   remarks 633-char remark
6. 2026-06-13
   listed $249,700 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 AZ · Resets to sale price

• Current annual tax: $1,998 · $166/mo
• Projected year-2 tax: $1,998 · $166/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥114°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,936
• − Mortgage interest: −$13,987
• − Property taxes: −$1,998
• − Insurance: −$1,248
• − Repairs & maintenance: −$2,235
• − Management: −$2,235
• − HOA: −$1,044
• − Depreciation: −$7,264
• Taxable loss: −$2,075
• Est. tax savings @ 24.0%: +$498
• After-tax cash flow: $2,564/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: Maricopa Unified School District (4441)
• NCES district ID: 0404720
• Math proficiency: 20% ▼ -18.00%
• Reading proficiency: 29% ▼ -9.00%
• Median HH income: $63,725
• Composite: 22.92/100
• National rank: #7993
• State rank: #128 of 249 in AZ

Livability — Maricopa

• Score: 72/100
• State rank: #28
• US rank: #5943

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Maricopa, AZ
• County: Pinal County · 399,947 people
• City population: 76,044
• Metro: Phoenix-Mesa-Chandler, AZ
• Population (ZIP): 55,260
• Household income: $95,867
• Rent vs Own: 17.7% rent · 82.3% own
• Severe rent burden: 432.0

Population outlook (Pinal County) Hauer SSP2

• Today (2025): 437,574 people
• By 2030: 446,903 · +2.1%
• By 2040: 452,589 · +3.4%
• By 2050: 444,126 · +1.5%
• By 2075: 430,300 · -1.7%
• By 2100: 393,536 · -10.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 45% Hispanic / Latino 30% Two or more races 17% Black 13% Native American 3% Asian 3% Pacific Islander 1%
• Hispanic origin (detail): Mexican 26% Puerto Rican 1%
• Common ancestry: Lithuanian 2% Romanian 2% Italian 2%
• Foreign-born: 10% · Canada
• Languages at home: 79% English-only · Spanish 16% Other Asian/Pacific 1% Other Indo-European 1%

Political lean MEDSL · Pinal

• 2024 margin: Strong R (+22.1) · D 38.5% · R 60.6%
• 2008→2024 swing: -7.6pp toward R · 2008: -14.5pp · 2024: -22.1pp
• All cycles: 2024: R+22.1 2020: R+17.3 2016: R+19.3 2012: R+17.1 2008: R+14.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.89%
• Current HPI: 258.1461
• Rent YoY: ▲ 1.78%
• Metro: Phoenix-Mesa-Chandler, AZ
• State GDP YoY: ▲ 4.54%
• F500 in state: 20

Industry mix (Fortune 500 HQ in AZ)

Industry	F500 HQs	Revenue
▸Technology	2	$13B
▸Mining / Metals	1	$23B
▸Environmental Services	1	$16B
▸Metals / Steel	1	$14B
▸Technology Distribution	1	$9B
▸Homebuilding	1	$8B

Price history

-93.7% since first listed

7 events — show timeline

• 2026-06-12 Listed $249,700 ARMLS
• 2009-06-24 Sold (MLS) $109,200 ARMLS
• 2009-05-12 Listing Removed — ARMLS
• 2008-12-26 Listed $105,000 ARMLS
• 2008-11-22 Listing Removed — ARMLS
• 2008-07-23 Listed $120,000 ARMLS
• 2004-07-29 Sold (Public Records) $3,976,350 Public Records

Property tax history

-1.2%/yr

Latest (2025): $1,998 · +3.6% YoY. Source: county tax records.