154 Roosevelt Rd · Jacksonville, AR 72076

$85,000

2 bd · 1.0 ba · 725 sqft · SingleFamily public records · 37 Days on market

Built 1945 Est $85k · at est.

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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 +25.7/30.0
• DSCR +8.6/10.0
• ARV discount +7.4/15.0
• 1% rule +5.6/10.0
• Rent growth +3.3/5.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Nice starter home, just remodeled interior, new plumbing, new floors, new walls, and ceiling fans. Replaced furnace and AC unit, both 2 years old, done at the same time. Appliances are all new, new kitchen and bath cabinets. Opened up the kitchen into the living room to create more space.

Key facts

• Remodeled interior
• New floors
• New bath cabinets

Tags

• REMODELED INTERIOR
• NEW PLUMBING
• NEW FLOORS
• NEW WALLS
• NEW KITCHEN
• NEW BATH CABINETS

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $204 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($899 rent vs $85k).
• Recommended offer: $82k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 5.0% in Jacksonville — 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 61/100 on livability (#231 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Jacksonville North Pulaski School District (suburban): math 18% / reading 20% proficiency, ranked #211 of 238 in AR (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Joe T. Robinson Middle School (math 40% / reading 49%, grade D, #61 of 201 statewide, top 32%, 544 students, 96% FRL); Joe T. Robinson High School (math 23% / reading 37%, grade F, #138 of 292 statewide, top 48%, 783 students, 24% FRL).
• Zoned-school proficiency averages 37% at this address vs 19% district-wide (+18 pts) — the actual schools serving this property are materially stronger than the Jacksonville North Pulaski School District average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+3.1%/yr); 155 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,006 units permitted in Pulaski County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Pulaski County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($82k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $13k; list at $85k implies a 554% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $82,450 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1945 — 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 F-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 F 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: 1.06% ✓
• Cap rate: 9.18%
• Cash-on-cash: 10.31%
• DSCR: 1.46
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $84,825
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
602 Ray Rd	0.17mi	2/1.0	742 (+2%)	6mo	$89,500	$121	83
704 Smart St	0.08mi	2/1.0	784 (+8%)	1mo	$55,000	$70	82
159 Pike Ave	0.20mi	2/1.0	672 (-7%)	1mo	$55,000	$82	78
127 Wilson St	0.20mi	3/1.0 (+1)	768 (+6%)	2mo	$90,000	$117	74
191 Roosevelt Rd	0.21mi	2/1.0	672 (-7%)	5mo	$83,000	$124	73
113 Roosevelt Rd	0.18mi	2/1.0	756 (+4%)	16mo	$50,000	$66	72
108 Central Ave	0.19mi	2/1.0	696 (-4%)	23mo	$35,000	$50	66
112 Jaxon Cir	0.32mi	2/1.0	768 (+6%)	21mo	$92,500	$120	57
114 North Ave	0.34mi	3/1.0 (+1)	816 (+13%)	2mo	$99,500	$122	56
203 Southeastern Ave	0.69mi	2/1.0	832 (+15%)	24mo	$60,000	$72	23

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 · 3.07% rent growth · sell at horizon

5-year hold

• IRR: -0.8%
• Equity multiple: 0.97×
• Total profit: $-728
• Equity at exit: $12,674

10-year hold

• IRR: 8.9%
• Equity multiple: 1.68×
• Total profit: $16,242
• Equity at exit: $7,349

Cash invested: $23,800 (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.

Methodology + full state rankings →

ZIP-level market 72076

• Home prices YoY: -30.3%
• Rents YoY: 3.1%
• Active inventory: 155
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $899 high
• Mortgage (P&I): −$446
• Tax from tax record: −$25 /mo · $299/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$189
• Net cashflow: $204

Break-even live

Break-even rent $641

Max offer price $85,000

Occupancy floor 72%

Sensitivity live

Price	-10% $253	-5% $228	+0% $204	+5% $180	+10% $156
Rent	-10% $133	-5% $169	+0% $204	+5% $240	+10% $275
Rate	-1.0pp $247	-0.5pp $226	base $204	+0.5pp $182	+1.0pp $160

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
123 Union St Jacksonville, AR	2.0	1.0	672	$950	$1.41	45d	1	0.21mi
241 Pearl St Jacksonville, AR	2.0	1.0	700	$943	$1.35	25d	1	0.24mi
114 Wilson St Jacksonville, AR	2.0	1.0	696	$775	$1.11	45d	1	0.27mi
111 Wilson St Jacksonville, AR	2.0	1.0	696	$895	$1.29	25d	1	0.29mi
950 Military Rd Jacksonville, AR	1.0–3.0	1.0–2.0	867	$868	$1.00	15d	13	0.48mi
921 Arkansas 161 Unit 6 Jacksonville, AR	1.0	1.0	480	$605	$1.26	25d	1	0.70mi
408 Mulberry St #4 Jacksonville, AR	1.0	1.0	500	$750	$1.50	46d	1	0.72mi
306 S J P Wright Loop Rd Jacksonville, AR	1.0	1.0	423	$590	$1.39	15d	3	0.87mi
311 Bellevue Cir Unit A Jacksonville, AR	2.0	1.0	600	$950	$1.58	25d	1	0.92mi
1100 S James St Unit C Jacksonville, AR	1.0	1.0	500	$525	$1.05	25d	1	0.99mi
207 S Hospital Dr Unit C-106 Jacksonville, AR	1.0	1.0	650	$880	$1.35	45d	1	1.08mi
813 Ellis St Unit A Jacksonville, AR	2.0	1.0	700	$850	$1.21	45d	1	1.09mi
207 S Hospital Dr Unit C-103 Jacksonville, AR	1.0	1.0	650	$966	$1.49	45d	1	1.09mi
714 Crook Dr Jacksonville, AR	2.0	1.0	700	$695	$0.99	45d	1	1.09mi

Listing history 18 events

1. 2026-06-18
   days on market $85,000 Active 37 DOM
2. 2026-06-17
   days on market $85,000 Active 36 DOM
3. 2026-06-16
   days on market $85,000 Active 35 DOM
4. 2026-06-15
   days on market $85,000 Active 34 DOM
5. 2026-06-14
   days on market $85,000 Active 32 DOM
6. 2026-06-13
   days on market $85,000 Active 31 DOM
7. 2026-06-10
   days on market $85,000 Active 29 DOM
8. 2026-06-09
   days on market $85,000 Active 28 DOM
9. 2026-06-08
   days on market $85,000 Active 27 DOM
10. 2026-06-07
    days on market $85,000 Active 26 DOM
11. 2026-06-05
    days on market $85,000 Active 23 DOM
12. 2026-06-03
    days on market $85,000 Active 22 DOM
13. 2026-06-02
    days on market $85,000 Active 21 DOM
14. 2026-06-01
    days on market $85,000 Active 20 DOM
15. 2026-05-31
    days on market $85,000 Active 19 DOM
16. 2026-05-31
    days on market $85,000 Active 18 DOM
17. 2026-05-12
    listed $85,000 Active 289-char remark
18. 2005-12-27
    soldstatus $13,000

ⓘ 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: $299 · $25/mo
• Projected year-2 tax: $544 · $45/mo
• Expected delta: +$245/yr (+$20/mo · 81.9%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 18 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,792
• − Mortgage interest: −$4,761
• − Property taxes: −$299
• − Insurance: −$425
• − Repairs & maintenance: −$863
• − Management: −$863
• − Depreciation: −$2,473
• Taxable income: $1,107
• Est. tax owed @ 24.0%: −$266
• After-tax cash flow: $2,187/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: Jacksonville North Pulaski School District
• NCES district ID: 0500419
• Math proficiency: 18% ▼ -7.00%
• Reading proficiency: 20% ▼ -5.00%
• Median HH income: $50,869
• Composite: 17.16/100
• National rank: #9110
• State rank: #211 of 238 in AR

Livability — Jacksonville

• Score: 61/100
• State rank: #231
• US rank: #17378

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jacksonville, AR
• County: Pulaski County · 372,764 people
• City population: 38,437
• Metro: Little Rock-North Little Rock-Conway, AR
• Population (ZIP): 38,437
• Household income: $54,379
• Rent vs Own: 46.6% rent · 53.4% own
• Severe rent burden: 1733.0

Population outlook (Pulaski County) Hauer SSP2

• Today (2025): 415,378 people
• By 2030: 423,720 · +2.0%
• By 2040: 435,182 · +4.8%
• By 2050: 440,904 · +6.1%
• By 2075: 445,521 · +7.3%
• By 2100: 419,173 · +0.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 47% Black 38% Hispanic / Latino 8% Two or more races 8% Asian 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Slovak 2% Italian 2% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% Tagalog/Filipino 1%

Political lean MEDSL · Pulaski

• 2024 margin: Strong D (+22.1) · D 59.8% · R 37.7% · Other 2.5%
• 2008→2024 swing: +10.6pp toward D · 2008: 11.6pp · 2024: 22.1pp
• All cycles: 2024: D+22.1 2020: D+22.5 2016: D+17.9 2012: D+11.4 2008: D+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -87.51%
• Current HPI: 201.6405
• Rent YoY: ▲ 3.07%
• Metro: Little Rock-North Little Rock-Conway, AR
• State GDP YoY: ▲ 3.80%
• F500 in state: 10

Industry mix (Fortune 500 HQ in AR)

Industry	F500 HQs	Revenue
▸Retail	1	$681B
▸Food / Agriculture	1	$53B
▸Retail / Energy	1	$22B
▸Transportation / Logistics	1	$12B
▸Energy	1	$4B

Price history

+553.8% since first listed

2 events — show timeline

• 2026-05-12 Listed $85,000 FSBO.com
• 2005-12-27 Sold (Public Records) $13,000 Public Records

Property tax history

+6.6%/yr

Latest (2025): $299 · +7.7% YoY. Source: county tax records.