910 N Garden Dr N · Osceola, AR 72370

$100,000

3 bd · 1.0 ba · 1,408 sqft · SingleFamily public records · 153 Days on market

Built 1966 7,405 sqft lot $71/sqft · at area comps Est $103k · at est. ↓ 14% 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 +8.9/15.0
• DSCR +6.5/10.0
• Appreciation +4.7/10.0
• 1% rule +4.5/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0

Listing remarks MLS

Great opportunity for an investor or owner-occupant! This 3-bedroom, 1-bath home is currently rented and offers immediate income potential or the option to take over as a personal residence at the end of the lease. The home features two separate living spaces, providing flexibility for entertaining, a home office, or additional family room. A large kitchen offers plenty of room for cooking and gathering, while the garage adds convenience and storage. Located just minutes from all Osceola amenities, this property combines comfort, functionality, and a prime in-town location. A storm shelter adds extra peace of mind, making this home a smart long-term investment. Whether you're expanding your rental portfolio or looking for a well-located home with space to grow, 910 N Garden St checks all the boxes.

Key facts

• Large kitchen
• Storm shelter
• 7,405 sq ft lot

Tags

• TWO SEPARATE LIVING SPACES
• LARGE KITCHEN
• STORM SHELTER
• PRIME IN-TOWN LOCATION

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $132 ($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 $95k (5.0% below list).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 61/100 on livability (#238 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools F, crime F, amenities F.
• Osceola School District (town): math 10% / reading 13% proficiency, ranked #231 of 238 in AR (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 93% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 29 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 69 units permitted in Mississippi County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $21 of equity ($691 loan paydown + $-670 appreciation (-0.7% local appreciation)).
• Mississippi County population projected at -30% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.7% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 153 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y ago; this cycle's ask has dropped $10k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $75k; 33% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• 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 $88,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 153 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 0.95% ✗
• Cap rate: 7.87%
• Cash-on-cash: 5.65%
• DSCR: 1.25
• GRM: 8.8

CMA / ARV

• ARV (median comp): $103,181
• List price: $100,000
• Delta: -3.08%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
403 S Marjorie Ln	0.23mi	3/1.5	1,400 (-1%)	18mo	$67,500	$48	71
213 E Greenbriar Dr	0.35mi	3/2.0	1,484 (+5%)	12mo	$75,000	$51	60
509 S Marjorie St	0.25mi	3/2.0	1,599 (+14%)	4mo	$135,000	$84	58
521 W Hale Ave	0.54mi	3/1.0	1,356 (-4%)	14mo	$45,000	$33	57
204 Roselawn Dr	0.57mi	3/1.0	1,274 (-10%)	11mo	$124,900	$98	48
108 W Greenbriar Dr	0.68mi	3/1.5	1,538 (+9%)	9mo	$150,000	$98	44
155 Cherry Dr	0.45mi	3/1.0	1,555 (+10%)	22mo	$73,000	$47	43
107 Mimosa Cir	0.63mi	3/1.0	1,261 (-10%)	16mo	$47,000	$37	40
1116 North Dr	0.38mi	2/1.0 (-1)	1,199 (-15%)	18mo	$111,000	$93	37
101 Jenny Lynn Ln	0.72mi	3/2.0	1,522 (+8%)	14mo	$184,000	$121	37

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

Projected returns pro-forma

-0.67% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.8%
• Equity multiple: 1.08×
• Total profit: $2,330
• Equity at exit: $25,732

10-year hold

• IRR: 8.0%
• Equity multiple: 1.80×
• Total profit: $22,427
• Equity at exit: $28,402

Cash invested: $28,000 (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.

Methodology + full state rankings →

ZIP-level market 72370

• Home prices YoY: -0.4%
• Active inventory: 29
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $950 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$53 /mo · $632/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$200
• Net cashflow: $132

Break-even live

Break-even rent $783

Max offer price $100,000

Occupancy floor 81%

Sensitivity live

Price	-10% $188	-5% $160	+0% $132	+5% $103	+10% $75
Rent	-10% $57	-5% $94	+0% $132	+5% $169	+10% $207
Rate	-1.0pp $182	-0.5pp $157	base $132	+0.5pp $106	+1.0pp $79

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
424 Elizabeth Ave Osceola, AR	3.0	3.0	1447	$950	$0.66	3d	1	1.16mi

Listing history 24 events

1. 2026-06-21
   days on market $100,000 Active 153 DOM
2. 2026-06-19
   days on market $100,000 Active 151 DOM
3. 2026-06-18
   days on market $100,000 Active 150 DOM
4. 2026-06-17
   days on market $100,000 Active 149 DOM
5. 2026-06-16
   days on market $100,000 Active 148 DOM
6. 2026-06-15
   days on market $100,000 Active 147 DOM
7. 2026-06-14
   days on market $100,000 Active 145 DOM
8. 2026-06-12
   days on market $100,000 Active 144 DOM
9. 2026-06-09
   days on market $100,000 Active 141 DOM
10. 2026-06-08
    days on market $100,000 Active 140 DOM
11. 2026-06-07
    days on market $100,000 Active 139 DOM
12. 2026-06-07
    days on market $100,000 Active 138 DOM
13. 2026-06-04
    days on market $100,000 Active 135 DOM
14. 2026-06-02
    days on market $100,000 Active 134 DOM
15. 2026-06-01
    days on market $100,000 Active 133 DOM
16. 2026-05-31
    days on market $100,000 Active 132 DOM
17. 2026-05-31
    days on market $100,000 Active 131 DOM
18. 2026-02-16
    price $100,000 809-char remark

    Show marketing remark (809 chars)

    Great opportunity for an investor or owner-occupant! This 3-bedroom, 1-bath home is currently rented and offers immediate income potential or the option to take over as a personal residence at the end of the lease. The home features two separate living spaces, providing flexibility for entertaining, a home office, or additional family room. A large kitchen offers plenty of room for cooking and gathering, while the garage adds convenience and storage. Located just minutes from all Osceola amenities, this property combines comfort, functionality, and a prime in-town location. A storm shelter adds extra peace of mind, making this home a smart long-term investment. Whether you're expanding your rental portfolio or looking for a well-located home with space to grow, 910 N Garden St checks all the boxes.

19. 2026-01-19
    listed $110,000 Active 809-char remark

    Show marketing remark (809 chars)

    Great opportunity for an investor or owner-occupant! This 3-bedroom, 1-bath home is currently rented and offers immediate income potential or the option to take over as a personal residence at the end of the lease. The home features two separate living spaces, providing flexibility for entertaining, a home office, or additional family room. A large kitchen offers plenty of room for cooking and gathering, while the garage adds convenience and storage. Located just minutes from all Osceola amenities, this property combines comfort, functionality, and a prime in-town location. A storm shelter adds extra peace of mind, making this home a smart long-term investment. Whether you're expanding your rental portfolio or looking for a well-located home with space to grow, 910 N Garden St checks all the boxes.

20. 2024-06-27
    soldstatus $75,000
21. 2024-06-26
    soldstatus $75,000 Closed 551-char remark

    Show marketing remark (551 chars)

    Welcome to 910 N Garden Dr in Osceola, AR! This charming 3-bedroom, 1-bathroom home offers 1408 sqft of living space, perfect for creating your dream home or a lucrative investment property. With spacious rooms and a layout full of potential, you can easily customize it to fit your needs. The generous yard is ideal for outdoor activities, gardening, or entertaining. Whether you're a first-time homebuyer or a seasoned investor, this property is a must-see. Don't miss out on the endless possibilities this home has to offerschedule your tour today!

22. 2024-05-30
    historical 551-char remark

    Show marketing remark (551 chars)

    Welcome to 910 N Garden Dr in Osceola, AR! This charming 3-bedroom, 1-bathroom home offers 1408 sqft of living space, perfect for creating your dream home or a lucrative investment property. With spacious rooms and a layout full of potential, you can easily customize it to fit your needs. The generous yard is ideal for outdoor activities, gardening, or entertaining. Whether you're a first-time homebuyer or a seasoned investor, this property is a must-see. Don't miss out on the endless possibilities this home has to offerschedule your tour today!

23. 2024-05-20
    listed $75,000 Active 551-char remark

    Show marketing remark (551 chars)

    Welcome to 910 N Garden Dr in Osceola, AR! This charming 3-bedroom, 1-bathroom home offers 1408 sqft of living space, perfect for creating your dream home or a lucrative investment property. With spacious rooms and a layout full of potential, you can easily customize it to fit your needs. The generous yard is ideal for outdoor activities, gardening, or entertaining. Whether you're a first-time homebuyer or a seasoned investor, this property is a must-see. Don't miss out on the endless possibilities this home has to offerschedule your tour today!

24. 2024-02-24
    listed $115,900 Active

ⓘ 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: $632 · $53/mo
• Projected year-2 tax: $640 · $53/mo
• Expected delta: +$8/yr (+$1/mo · 1.3%)

ⓘ 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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 13% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,400
• − Mortgage interest: −$5,602
• − Property taxes: −$632
• − Insurance: −$500
• − Repairs & maintenance: −$912
• − Management: −$912
• − Depreciation: −$2,909
• Taxable loss: −$66
• Est. tax savings @ 24.0%: +$16
• After-tax cash flow: $1,597/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: Osceola School District
• NCES district ID: 0510950
• Math proficiency: 10% ▼ -16.00%
• Reading proficiency: 13% ▼ -7.00%
• Median HH income: $30,782
• Composite: 9.02/100
• National rank: #9878
• State rank: #231 of 238 in AR

Livability — Osceola

• Score: 61/100
• State rank: #238
• US rank: #17827

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Osceola, AR
• Population (ZIP): 7,282

Population outlook (Mississippi County) Hauer SSP2

• Today (2025): 38,959 people
• By 2030: 36,401 · -6.6%
• By 2040: 31,526 · -19.1%
• By 2050: 27,058 · -30.5%
• By 2075: 17,847 · -54.2%
• By 2100: 11,024 · -71.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: Black 53% White 36% Two or more races 8% Hispanic / Latino 5%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2% Other Asian/Pacific 1%

Political lean MEDSL · Mississippi

• 2024 margin: Solid R (+31.6) · D 33.4% · R 65.0% · Other 1.7%
• 2008→2024 swing: -29.4pp toward R · 2008: -2.2pp · 2024: -31.6pp
• All cycles: 2024: R+31.6 2020: R+22.2 2016: R+10.5 2012: R+1.1 2008: R+2.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.67%
• Current HPI: 178.93
• Rent YoY: —
• Metro: —
• 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

-13.7% since first listed

7 events — show timeline

• 2026-02-16 Price Changed $100,000 NEABOR MLS
• 2026-01-19 Listed $110,000 NEABOR MLS
• 2024-06-27 Sold (Public Records) $75,000 Public Records
• 2024-06-26 Sold (MLS) $75,000 NEABOR MLS
• 2024-05-30 Delisted — NEABOR MLS
• 2024-05-20 Listed $75,000 NEABOR MLS
• 2024-02-24 Listed $115,900 EARA

Property tax history

+8.1%/yr

Latest (2025): $632 · +8.1% YoY. Source: county tax records.