2305 W Ruthrauff Rd Unit A26 · Flowing Wells, AZ 85705

$119,900

3 bd · 2.0 ba · 960 sqft · SingleFamily · 399 Days on market

Built 2025 Excellent condition $125/sqft · 20% above area Est $100k · 20% over ↓ 8% since listing

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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 +27.2/30.0
• DSCR +9.5/10.0
• 1% rule +7.4/10.0
• Condition / age +4.8/5.0
• Livability +3.7/5.0
• Rent growth +2.6/5.0
• Schools +2.2/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

This beautiful 960 square foot manufactured home at Bella Capri in Tucson, AZ boasts 3 bedrooms and 2 bathrooms, making it the perfect space for those looking for extra room to spread out. Built in 2025 by Cavco, this home features a spacious foyer that leads into a cozy living room, a separate dining area for family meals, a family room for relaxation, a master bedroom with a walk-in closet. The kitchen is equipped with modern appliances including an oven, fridge, dishwasher, and microwave, while the laundry room comes complete with a washer and dryer included. Exterior features of this home include a carport for parking, a shed for extra storage, a covered porch for outdoor lounging, and durable Cemplank \ Smart Panel siding. Bella Capri in Tucson, AZ is a charming community with a central location that offers residents a variety of amenities and activities. From community events and social gatherings in the clubhouse to relaxing days by the pool, this community has something for everyone. Residents can enjoy the beautiful Arizona weather on walking trails, at the outdoor BBQ area, or in the community garden. Bella Capri is also conveniently located near shopping, dining, and entertainment options, making it easy for homeowners to explore all that Tucson has to offer. With well-maintained grounds and friendly neighbors, Bella Capri is the perfect place to call home.

Key facts

• Separate dining room
• Walk-in closet
• Modern appliances

Tags

• SPACIOUS FOYER
• SEPARATE DINING ROOM
• FAMILY ROOM
• WALK-IN CLOSET
• BONUS ROOM
• MODERN APPLIANCES

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $120k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $343 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.7% vs local median 6.1% in Flowing Wells — 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 73/100 on livability (#21 in AZ) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, health & safety A+; Watch: schools D+, crime F, amenities F.
• Flowing Wells Unified District (4405) (suburban): math 23% / reading 30% proficiency, ranked #143 of 249 in AZ (top 57%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 177 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 5,268 units permitted in Pima County in 2024 (996 in 5+ unit buildings).
• At $1,483/mo this rent would consume 48% of the median local household income ($37k/yr) (locally 4240% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Pima County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 399 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 5→12/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $105,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 399 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 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: 1.24% ✓
• Cap rate: 9.72%
• Cash-on-cash: 12.25%
• DSCR: 1.55
• GRM: 6.7

CMA / ARV

• ARV (median comp): $99,900
• List price: $119,900
• Delta: 20.02%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4971 N Mathews Ave	0.24mi	3/2.0	1,092 (+14%)	6mo	$160,000	$147	61
1853 W Southbrooke Cir	0.59mi	2/2.0 (-1)	1,039 (+8%)	20mo	$278,000	$268	37
1971 W La Osa Dr	0.68mi	3/2.0	1,092 (+14%)	19mo	$290,000	$266	29

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 · 0.3% rent growth · sell at horizon

5-year hold

• IRR: -1.2%
• Equity multiple: 0.96×
• Total profit: $-1,495
• Equity at exit: $17,877

10-year hold

• IRR: 5.4%
• Equity multiple: 1.35×
• Total profit: $11,654
• Equity at exit: $10,367

Cash invested: $33,572 (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 85705

• Rents YoY: 0.3%
• Active inventory: 177
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,483 high
• Mortgage (P&I): −$629
• Tax est. 1.5%: −$150 /mo · $1,798/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $343

Break-even live

Break-even rent $1,049

Max offer price $119,900

Occupancy floor 72%

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4957 N Sunrise Ave Unit 2 Tucson, AZ	2.0	1.0	803	$1,075	$1.34	14d	1	0.66mi
1925 W River Rd Tucson, AZ	1.0–3.0	1.0–2.0	1049	$2,076	$1.98	1d	32	0.73mi
1865 W La Osa St Tucson, AZ	2.0	1.0	821	$1,450	$1.77	43d	1	0.76mi
4213 N Romero Rd Tucson, AZ	2.0	1.0	825	$1,045	$1.27	43d	5	0.94mi
5100 N La Canada Dr Tucson, AZ	2.0	2.0	938	$1,408	$1.50	43d	1	1.21mi
2531 W Glenbrook Way Tucson, AZ	2.0	2.0	1066	$1,795	$1.68	43d	1	1.31mi
2774 W Firebrook Rd Tucson, AZ	2.0	2.0	1066	$1,550	$1.45	3d	1	1.36mi
4111 N Flowing Wells Rd Tucson, AZ	2.0	2.0–2.5	1131	$1,625	$1.44	23d	3	1.37mi
1100 W River Rd Unit 7 Tucson, AZ	2.0	2.5	1026	$2,200	$2.14	20d	1	1.41mi
1501 W Roger Rd Tucson, AZ	2.0	1.0	850	$995	$1.17	43d	1	1.41mi

Listing history 21 events

1. 2026-06-18
   days on market $119,900 Active 399 DOM
2. 2026-06-17
   days on market $119,900 Active 398 DOM
3. 2026-06-16
   days on market $119,900 Active 397 DOM
4. 2026-06-15
   days on market $119,900 Active 396 DOM
5. 2026-06-13
   days on market $119,900 Active 394 DOM
6. 2026-06-10
   days on market $119,900 Active 391 DOM
7. 2026-06-09
   days on market $119,900 Active 390 DOM
8. 2026-06-08
   days on market $119,900 Active 389 DOM
9. 2026-06-07
   days on market $119,900 Active 388 DOM
10. 2026-06-05
    days on market $119,900 Active 385 DOM
11. 2026-06-03
    days on market $119,900 Active 384 DOM
12. 2026-06-02
    days on market $119,900 Active 383 DOM
13. 2026-06-01
    days on market $119,900 Active 382 DOM
14. 2026-05-31
    days on market $119,900 Active 381 DOM
15. 2026-02-06
    price $119,900 1390-char remark

    Show marketing remark (1390 chars)

    This beautiful 960 square foot manufactured home at Bella Capri in Tucson, AZ boasts 3 bedrooms and 2 bathrooms, making it the perfect space for those looking for extra room to spread out. Built in 2025 by Cavco, this home features a spacious foyer that leads into a cozy living room, a separate dining area for family meals, a family room for relaxation, a master bedroom with a walk-in closet. The kitchen is equipped with modern appliances including an oven, fridge, dishwasher, and microwave, while the laundry room comes complete with a washer and dryer included. Exterior features of this home include a carport for parking, a shed for extra storage, a covered porch for outdoor lounging, and durable Cemplank \ Smart Panel siding. Bella Capri in Tucson, AZ is a charming community with a central location that offers residents a variety of amenities and activities. From community events and social gatherings in the clubhouse to relaxing days by the pool, this community has something for everyone. Residents can enjoy the beautiful Arizona weather on walking trails, at the outdoor BBQ area, or in the community garden. Bella Capri is also conveniently located near shopping, dining, and entertainment options, making it easy for homeowners to explore all that Tucson has to offer. With well-maintained grounds and friendly neighbors, Bella Capri is the perfect place to call home.

16. 2025-10-18
    price $127,400 1390-char remark

    Show marketing remark (1390 chars)

    This beautiful 960 square foot manufactured home at Bella Capri in Tucson, AZ boasts 3 bedrooms and 2 bathrooms, making it the perfect space for those looking for extra room to spread out. Built in 2025 by Cavco, this home features a spacious foyer that leads into a cozy living room, a separate dining area for family meals, a family room for relaxation, a master bedroom with a walk-in closet. The kitchen is equipped with modern appliances including an oven, fridge, dishwasher, and microwave, while the laundry room comes complete with a washer and dryer included. Exterior features of this home include a carport for parking, a shed for extra storage, a covered porch for outdoor lounging, and durable Cemplank \ Smart Panel siding. Bella Capri in Tucson, AZ is a charming community with a central location that offers residents a variety of amenities and activities. From community events and social gatherings in the clubhouse to relaxing days by the pool, this community has something for everyone. Residents can enjoy the beautiful Arizona weather on walking trails, at the outdoor BBQ area, or in the community garden. Bella Capri is also conveniently located near shopping, dining, and entertainment options, making it easy for homeowners to explore all that Tucson has to offer. With well-maintained grounds and friendly neighbors, Bella Capri is the perfect place to call home.

17. 2025-10-17
    price $129,900 1390-char remark

    Show marketing remark (1390 chars)

    This beautiful 960 square foot manufactured home at Bella Capri in Tucson, AZ boasts 3 bedrooms and 2 bathrooms, making it the perfect space for those looking for extra room to spread out. Built in 2025 by Cavco, this home features a spacious foyer that leads into a cozy living room, a separate dining area for family meals, a family room for relaxation, a master bedroom with a walk-in closet. The kitchen is equipped with modern appliances including an oven, fridge, dishwasher, and microwave, while the laundry room comes complete with a washer and dryer included. Exterior features of this home include a carport for parking, a shed for extra storage, a covered porch for outdoor lounging, and durable Cemplank \ Smart Panel siding. Bella Capri in Tucson, AZ is a charming community with a central location that offers residents a variety of amenities and activities. From community events and social gatherings in the clubhouse to relaxing days by the pool, this community has something for everyone. Residents can enjoy the beautiful Arizona weather on walking trails, at the outdoor BBQ area, or in the community garden. Bella Capri is also conveniently located near shopping, dining, and entertainment options, making it easy for homeowners to explore all that Tucson has to offer. With well-maintained grounds and friendly neighbors, Bella Capri is the perfect place to call home.

18. 2025-10-17
    price $127,400 1390-char remark

    Show marketing remark (1390 chars)

    This beautiful 960 square foot manufactured home at Bella Capri in Tucson, AZ boasts 3 bedrooms and 2 bathrooms, making it the perfect space for those looking for extra room to spread out. Built in 2025 by Cavco, this home features a spacious foyer that leads into a cozy living room, a separate dining area for family meals, a family room for relaxation, a master bedroom with a walk-in closet. The kitchen is equipped with modern appliances including an oven, fridge, dishwasher, and microwave, while the laundry room comes complete with a washer and dryer included. Exterior features of this home include a carport for parking, a shed for extra storage, a covered porch for outdoor lounging, and durable Cemplank \ Smart Panel siding. Bella Capri in Tucson, AZ is a charming community with a central location that offers residents a variety of amenities and activities. From community events and social gatherings in the clubhouse to relaxing days by the pool, this community has something for everyone. Residents can enjoy the beautiful Arizona weather on walking trails, at the outdoor BBQ area, or in the community garden. Bella Capri is also conveniently located near shopping, dining, and entertainment options, making it easy for homeowners to explore all that Tucson has to offer. With well-maintained grounds and friendly neighbors, Bella Capri is the perfect place to call home.

19. 2025-10-17
    price $129,900 1390-char remark

    Show marketing remark (1390 chars)

    This beautiful 960 square foot manufactured home at Bella Capri in Tucson, AZ boasts 3 bedrooms and 2 bathrooms, making it the perfect space for those looking for extra room to spread out. Built in 2025 by Cavco, this home features a spacious foyer that leads into a cozy living room, a separate dining area for family meals, a family room for relaxation, a master bedroom with a walk-in closet. The kitchen is equipped with modern appliances including an oven, fridge, dishwasher, and microwave, while the laundry room comes complete with a washer and dryer included. Exterior features of this home include a carport for parking, a shed for extra storage, a covered porch for outdoor lounging, and durable Cemplank \ Smart Panel siding. Bella Capri in Tucson, AZ is a charming community with a central location that offers residents a variety of amenities and activities. From community events and social gatherings in the clubhouse to relaxing days by the pool, this community has something for everyone. Residents can enjoy the beautiful Arizona weather on walking trails, at the outdoor BBQ area, or in the community garden. Bella Capri is also conveniently located near shopping, dining, and entertainment options, making it easy for homeowners to explore all that Tucson has to offer. With well-maintained grounds and friendly neighbors, Bella Capri is the perfect place to call home.

20. 2025-10-17
    price $127,400 1390-char remark

    Show marketing remark (1390 chars)

    This beautiful 960 square foot manufactured home at Bella Capri in Tucson, AZ boasts 3 bedrooms and 2 bathrooms, making it the perfect space for those looking for extra room to spread out. Built in 2025 by Cavco, this home features a spacious foyer that leads into a cozy living room, a separate dining area for family meals, a family room for relaxation, a master bedroom with a walk-in closet. The kitchen is equipped with modern appliances including an oven, fridge, dishwasher, and microwave, while the laundry room comes complete with a washer and dryer included. Exterior features of this home include a carport for parking, a shed for extra storage, a covered porch for outdoor lounging, and durable Cemplank \ Smart Panel siding. Bella Capri in Tucson, AZ is a charming community with a central location that offers residents a variety of amenities and activities. From community events and social gatherings in the clubhouse to relaxing days by the pool, this community has something for everyone. Residents can enjoy the beautiful Arizona weather on walking trails, at the outdoor BBQ area, or in the community garden. Bella Capri is also conveniently located near shopping, dining, and entertainment options, making it easy for homeowners to explore all that Tucson has to offer. With well-maintained grounds and friendly neighbors, Bella Capri is the perfect place to call home.

21. 2025-05-15
    listed $129,900 Active 1390-char remark

    Show marketing remark (1390 chars)

    This beautiful 960 square foot manufactured home at Bella Capri in Tucson, AZ boasts 3 bedrooms and 2 bathrooms, making it the perfect space for those looking for extra room to spread out. Built in 2025 by Cavco, this home features a spacious foyer that leads into a cozy living room, a separate dining area for family meals, a family room for relaxation, a master bedroom with a walk-in closet. The kitchen is equipped with modern appliances including an oven, fridge, dishwasher, and microwave, while the laundry room comes complete with a washer and dryer included. Exterior features of this home include a carport for parking, a shed for extra storage, a covered porch for outdoor lounging, and durable Cemplank \ Smart Panel siding. Bella Capri in Tucson, AZ is a charming community with a central location that offers residents a variety of amenities and activities. From community events and social gatherings in the clubhouse to relaxing days by the pool, this community has something for everyone. Residents can enjoy the beautiful Arizona weather on walking trails, at the outdoor BBQ area, or in the community garden. Bella Capri is also conveniently located near shopping, dining, and entertainment options, making it easy for homeowners to explore all that Tucson has to offer. With well-maintained grounds and friendly neighbors, Bella Capri is the perfect place to call home.

ⓘ 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 FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 9/10 Extreme
• 🌡 Heat 8/10 Severe 5 d/yr ≥107°F today · 12 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: $17,794
• − Mortgage interest: −$6,716
• − Property taxes: −$1,798
• − Insurance: −$600
• − Repairs & maintenance: −$1,423
• − Management: −$1,423
• − Depreciation: −$3,488
• Taxable income: $2,344
• Est. tax owed @ 24.0%: −$563
• After-tax cash flow: $3,551/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 · 13 photos

Excellent 95/100 None rehab

This beautiful 960 square foot manufactured home is in excellent condition with no visible repairs or maintenance needed. It is move-in ready and would be a great investment for both resale and rental.

Value-add opportunities

• Resale Painting the exterior siding — Painting the exterior siding can enhance the curb appeal and increase the home's resale value.
• Both Landscaping improvements — Landscaping improvements can enhance the curb appeal and increase both the resale and rental value.

Renovation cost estimate screening

Value-add ROI direction

• Resale Painting the exterior siding — Painting the exterior siding can enhance the curb appeal and increase the home's resale value. ↑
• Both Landscaping improvements — Landscaping improvements can enhance the curb appeal and increase both the resale and rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Flowing Wells Unified District (4405)
• NCES district ID: 0403010
• Math proficiency: 23% ▼ -19.00%
• Reading proficiency: 30% ▼ -14.00%
• Median HH income: $33,361
• Composite: 21.69/100
• National rank: #8271
• State rank: #143 of 249 in AZ

Livability — Flowing Wells

• Score: 73/100
• State rank: #21
• US rank: #5288

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Flowing Wells, AZ
• County: Pima County · 1,012,107 people
• Metro: Tucson, AZ
• Population (ZIP): 54,700
• Household income: $37,194
• Rent vs Own: 55.1% rent · 44.9% own
• Severe rent burden: 4240.0

Population outlook (Pima County) Hauer SSP2

• Today (2025): 1,066,056 people
• By 2030: 1,086,684 · +1.9%
• By 2040: 1,117,160 · +4.8%
• By 2050: 1,149,778 · +7.9%
• By 2075: 1,271,480 · +19.3%
• By 2100: 1,321,160 · +23.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: Hispanic / Latino 45% White 41% Two or more races 18% Asian 4% Black 3% Native American 3%
• Hispanic origin (detail): Mexican 41%
• Common ancestry: Portuguese 2% Romanian 2% Lithuanian 2%
• Foreign-born: 18% · Canada, China, Vietnam
• Languages at home: 65% English-only · Spanish 30% Chinese 1% Vietnamese 1%

Political lean MEDSL · Pima

• 2024 margin: D (+15.2) · D 57.0% · R 41.8% · Other 1.2%
• 2008→2024 swing: +9.1pp toward D · 2008: 6.1pp · 2024: 15.2pp
• All cycles: 2024: D+15.2 2020: D+18.7 2016: D+13.5 2012: D+5.8 2008: D+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -163.31%
• Current HPI: 283.0647
• Rent YoY: ▲ 0.30%
• Metro: Tucson, 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

-7.7% since first listed

7 events — show timeline

• 2026-02-06 Price Changed $119,900 Zillow
• 2025-10-18 Price Changed $127,400 Zillow
• 2025-10-17 Price Changed $129,900 Zillow
• 2025-10-17 Price Changed $127,400 Zillow
• 2025-10-17 Price Changed $129,900 Zillow
• 2025-10-17 Price Changed $127,400 Zillow
• 2025-05-15 Listed $129,900 Zillow