19001 Indian Rd · Templeton, VA 23805

$171,000

3 bd · 2.5 ba · 2,496 sqft · SingleFamily public records · 3 Days on market

Built 2000 5.00 ac lot ↓ 28% 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 +20.5/30.0
• ARV discount +7.5/15.0
• DSCR +6.5/10.0
• Schools +6.1/10.0
• 1% rule +5.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Livability +2.0/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Imagine the instant equity with just a few updates! Move-in ready home just waiting on the next owner to update! Welcome to 19001 Indian Road in the Indian Woods subdivision of South Prince George. This 2-story colonial home consists of 3 Bedrooms & 2.5 Bathrooms on 2,496 sqft of living space. From the full front porch, you enter into the foyer and are greeted with laminate floors leading into the family room that has a propane gas log fireplace and direct walk-out access to the screened porch. The eat-in kitchen features granite counters, an oversized pantry for storage & direct access to the formal dining room. The first level of the home is completed with a 24 x 24 fully finished garage space with its own heating/cooling system, this space can be used for recreation, entertaining or additional living space. The second floor has carpeted floors throughout & the laundry area directly off of the center hall. The master suite has 2 closets with an ensuite bathroom. This level is completed with 2 additional 12 x 13 bedrooms and a shared hallway bathroom. The exterior of the home is highlighted with 4+ wooded acres to the rear and a private fenced backyard. Easy access to I95 & I295.

Key facts

• 5 acre lot
• 2 garage spots
• Built 2000

Property features AI

Exterior

• Parking: Attached garage with direct access; 2 garage spaces; Driveway parking; Off-street parking (unpaved)
• Utilities: Public water; Septic tank sewer
• Home design: Two-story home; Resale property
• Construction: Built with frame construction and vinyl siding; Drywall interior; Shingle roof; Crawl space foundation; Year-built recorded as actual
• Exterior features: Front porch (screened); Porch; Patio space; Storage shed; Unpaved driveway; Partially fenced backyard with vinyl fencing

Interior

• Kitchen: Microwave; Disposal; Granite countertops; Eat-in layout; Pantry
• Bedrooms: Total rooms: 8
• Flooring: Partially carpeted; Tile; Vinyl
• Bathrooms: 2 full bathrooms; 1 half bathroom; Second-floor full bath with tub and shower; Half bath on the first floor
• Heating & cooling: Heat pump with electric heating; Zoned heating; Zoned cooling
• Interior features: Ceiling fans; Dining area and separate/formal dining room; Eat-in kitchen; Fireplace with stone surround; Granite counters; Primary bedroom with bath; Pantry; Walk-in closets; Bathroom rough-in
• Laundry & utility: Washer hookup; Dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $171k.

Deal economics

• At list price, monthly cash flow is $225 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $171k).

Location & tenants

• Location reads 39/100 on livability (#579 in VA) — a limited-amenity area; tenant pool skews transient or value-seeking. Strengths: cost of living A+, crime A; Watch: schools F, amenities F, commute F.
• Prince George County Public School District (rural): math 67% / reading 75% proficiency, ranked #16 of 131 in VA (top 12%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Market conditions: 115 active listings in the ZIP; 72 units permitted in Prince George County in 2024 (0 in 5+ unit buildings).
• This rent runs 36% of the median local income ($61k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

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.
• Prince George County population projected at +36% 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.
• 7 sale attempts since 21y 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 46% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $171,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.07% ✓
• Cap rate: 7.87%
• Cash-on-cash: 5.65%
• DSCR: 1.25
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $519,168
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1392 Noblin Ct	0.43mi	4/2.5 (+1)	2,712 (+9%)	4mo	$565,000	$208	57
19423 Indian Rd	0.66mi	3/2.0	2,265 (-9%)	2mo	$389,000	$172	50

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.5%
• Equity multiple: 0.72×
• Total profit: $-13,312
• Equity at exit: $25,497

10-year hold

• IRR: 2.1%
• Equity multiple: 1.15×
• Total profit: $7,088
• Equity at exit: $14,785

Cash invested: $47,880 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State Virginia: 55 Moderately Landlord-Leaning · D+2
• County: — inherits STATE
• City: — inherits STATE

VRLTA gives some tenant protections; Northern Virginia courts slower; rural VA landlord-leaning.

Methodology + full state rankings →

ZIP-level market 23805

• Home prices YoY: -10.6%
• Active inventory: 115
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,829 medium
• Mortgage (P&I): −$897
• Tax from tax record: −$252 /mo · $3,024/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $225

Break-even live

Break-even rent $1,544

Max offer price $171,000

Occupancy floor 83%

Sensitivity live

Price	-10% $322	-5% $274	+0% $225	+5% $177	+10% $128
Rent	-10% $81	-5% $153	+0% $225	+5% $298	+10% $370
Rate	-1.0pp $311	-0.5pp $269	base $225	+0.5pp $181	+1.0pp $136

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: $42,750
• Closing costs: $5,130
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-06-07
   statusdays on market $171,000 Pending 3 DOM
2. 2026-06-03
   days on market $171,000 Active 2 DOM
3. 2026-06-02
   remarks 242-char remark
4. 2026-06-02
   listed $171,000 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 VA · Resets to sale price

• Current annual tax: $3,024 · $252/mo
• Projected year-2 tax: $3,024 · $252/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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥109°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 46% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,953
• − Mortgage interest: −$9,579
• − Property taxes: −$3,024
• − Insurance: −$855
• − Repairs & maintenance: −$1,756
• − Management: −$1,756
• − Depreciation: −$4,975
• Taxable income: $8
• Est. tax owed @ 24.0%: −$2
• After-tax cash flow: $2,701/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: Prince George County Public School District
• NCES district ID: 5103090
• Math proficiency: 67% ▼ -17.00%
• Reading proficiency: 75% ▼ -8.00%
• Median HH income: $63,354
• Composite: 61.44/100
• National rank: #759
• State rank: #16 of 131 in VA

Livability — Templeton

• Score: 39/100
• State rank: #579
• US rank: #27416

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Petersburg City · 21,408 people
• Metro: Richmond, VA
• Population (ZIP): 21,408
• Household income: $60,807
• Rent vs Own: 41.1% rent · 58.9% own
• Severe rent burden: 719.0

Population outlook (Prince George County) Hauer SSP2

• Today (2025): 44,946 people
• By 2030: 48,155 · +7.1%
• By 2040: 54,455 · +21.2%
• By 2050: 61,115 · +36.0%
• By 2075: 78,510 · +74.7%
• By 2100: 85,572 · +90.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 58% White 32% Hispanic / Latino 5% Two or more races 4% Asian 2%
• Common ancestry: Italian 2% Lithuanian 1% Hungarian 1%
• Foreign-born: 4% · Canada, Vietnam, South Korea
• Languages at home: 94% English-only · Spanish 3%

Political lean MEDSL · Prince George

• 2024 margin: Strong R (+21.3) · D 38.9% · R 60.2%
• 2008→2024 swing: -11.2pp toward R · 2008: -10.1pp · 2024: -21.3pp
• All cycles: 2024: R+21.3 2020: R+17.2 2016: R+17.0 2012: R+9.8 2008: R+10.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -50.37%
• Current HPI: 426.599
• Rent YoY: —
• Metro: Richmond, VA
• State GDP YoY: ▲ 2.40%
• F500 in state: 50

Industry mix (Fortune 500 HQ in VA)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	4	$236B
▸Technology / Defense	3	$32B
▸Financial Services	2	$176B
▸Utilities	2	$27B
▸Insurance	2	$25B
▸Technology	2	$15B

Price history

-27.8% since first listed

18 events — show timeline

• 2026-06-01 Listed $171,000 CVRMLS
• 2026-05-18 Pending — CVRMLS
• 2026-04-15 Pending — CVRMLS
• 2026-04-08 Listed $289,000 CVRMLS
• 2019-04-23 Sold (Public Records) $220,000 Public Records
• 2019-04-19 Sold (MLS) $220,000 CVRMLS
• 2019-03-20 Pending — CVRMLS
• 2019-03-06 Price Changed $220,000 CVRMLS
• 2019-02-26 Relisted — CVRMLS
• 2019-02-23 Pending — CVRMLS
• 2019-02-11 Price Changed $225,000 CVRMLS
• 2018-12-20 Relisted — CVRMLS
• 2018-12-20 Listing Removed — CVRMLS
• 2018-12-12 Listed $230,000 CVRMLS
• 2005-11-30 Listing Removed — CVRMLS
• 2005-11-30 Listing Removed — CVRMLS
• 2005-08-08 Listed $237,000 CVRMLS
• 2005-08-08 Listed $237,000 CVRMLS

Property tax history

+4.8%/yr

Latest (2025): $3,024 · +0.0% YoY. Source: county tax records.