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C Composite 59.37
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 +15.0/30.0
  • ARV discount +15.0/15.0
  • Appreciation +8.3/10.0
  • 1% rule +5.0/10.0
  • DSCR +5.0/10.0
  • Livability +3.1/5.0
  • Schools +3.0/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$14,900

210 Offerson Rd Unit 419-35 · Avon, CO 81620
3 bd · 3.0 ba · 1,875 sqft · Timeshare · 1403 Days on market
Built 1991 436 sqft lot Est $21k · 28% under $200/mo HOA · 5% of rent

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

The St. James Place is located in the heart of Beaver Creek Village and is just steps from the ski lifts, shopping, galleries, restaurants and year-round ice skating rink. Week 35 is one of the best weeks that includes Labor Day some years and with all kinds of activities. Dates are August 29- September 5, 2026. Photos are stock photos.

Key facts

  • Garage
  • Community pool
  • Built 1991

Property features AI

Finance

  • HOA & community: Has association; Annual association fee; Association fee covers cable TV, common area maintenance, electricity, gas, heat, insurance, internet, management, sewer, snow removal, taxes, trash and water; Community amenities include fitness center, on-site management, pool, shuttle service and tennis courts; Association provides front desk and shuttle service

Exterior

  • Home design: Unit in a multi-family building
  • Construction: Slate roof; Poured-in-place foundation
  • Exterior features: Multi-family zoning

Interior

  • Kitchen: Cooktop; Range; Microwave; Dishwasher; Refrigerator
  • Bedrooms: 3 bedrooms
  • Flooring: Laminate; Marble; Tile
  • Bathrooms: 3 full bathrooms
  • Heating & cooling: Baseboard heating; Central air conditioning; Has heating and cooling
  • Interior features: Furnished; Washer/Dryer included; Disposal; Range Hood
  • Laundry & utility: Washer; Washer/Dryer

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/3.0-bath timeshare listed at $15k.

Deal economics

  • At list price, monthly cash flow is $3k ($38k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $15k).
  • Recommended offer: $13k (12.0% below list) — sets the bar for market timing.
  • Cap rate 258.4% vs local median 2.3% in Avon — 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 (#220 in CO) — a middle-class / working-renter tenant base. Strengths: commute A+, health & safety A+, housing B; Watch: schools F, crime D-, amenities F.
  • Eagle County School District No. RE-50 (town): math 22% / reading 42% proficiency, ranked #39 of 86 in CO (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 448 active listings in the ZIP; solid renter incomes; 387 units permitted in Eagle County in 2024 (256 in 5+ unit buildings).
  • At $4,345/mo this rent would consume 51% of the median local household income ($103k/yr) (locally 744% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • In year one you build about $1k of equity ($103 loan paydown + $989 appreciation (6.6% local appreciation)).
  • Eagle County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (6.6% appreciation + 3.0% rent growth), your $4k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

  • It's been on market 1403 days — a 12% lower offer ($13k) is reasonable based on typical stale-listing flexibility.
Recommended offer $13,112 (12.0% below list)

Questions for the listing agent

  1. It's been on market 1403 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  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 D 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
29.16%
Cap rate
258.37%
Cash-on-cash
900.27%
DSCR
41.06
GRM
0.3

CMA / ARV

ARV (on-the-fly)
$20,625
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
210 Offerson Rd 0.00mi 3/3.0 1,875 (0%) 2mo $12,000 $6 98
210 Offerson #419-2 0.00mi 3/3.0 1,875 (0%) 9mo $40,000 $21 93
210 Offerson #304-12 0.00mi 3/3.0 1,875 (0%) 10mo $45,000 $24 91
210 Offerson #206-50 0.00mi 3/3.0 1,875 (0%) 12mo $21,375 $11 90
210 Offerson #105-50 0.00mi 3/3.0 1,950 (+4%) 10mo $7,500 $4 85
210 Offerson Rd #419, Week 25 0.00mi 3/3.0 1,800 (-4%) 11mo $8,000 $4 84
210 Offerson #419-47 0.00mi 3/3.0 1,758 (-6%) 8mo $500 83
46 Avondale Ln #R-510, Weeks 39 & 40 0.14mi 3/3.0 1,871 (-0%) 12mo $255,000 $136 83
210 Offerson Rd #421, Week 25 0.00mi 3/3.0 1,800 (-4%) 13mo $8,000 $4 82
100 E Thomas Pl #2055-Week 2 0.08mi 3/3.0 1,927 (+3%) 13mo $102,500 $53 81
210 Offerson #315-33 0.00mi 4/5.0 (+1) 1,950 (+4%) 9mo $5,000 $3 73
63 Avondale Ln #439/439A - week 7 0.04mi 3/3.0 1,614 (-14%) 13mo $58,000 $36 64

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

Projected returns pro-forma

6.63% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
Equity multiple
49.99×
Total profit
$204,405
Equity at exit
$9,970
10-year hold
IRR
Equity multiple
107.76×
Total profit
$445,403
Equity at exit
$18,625

Cash invested: $4,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
38 Tenant-Leaning
State Colorado
38 Tenant-Leaning · D+4
County
— inherits STATE
City
— inherits STATE
2023 reforms: 10-day cure, mandated notice, source-of-income protected. Courts backlogged in Denver.

ZIP-level market 81620

Home prices YoY
1.9%
Active inventory
448
Price-to-rent
0.3×

Monthly cashflow live

Estimated rent
$4,345 medium interval (Pro) →
Mortgage (P&I)
$78
Tax est. 1.5%
$19 /mo · $224/yr
Insurance
$6
HOA
$200
Vacancy / Maint / Mgmt
$913
Net cashflow
$3,130

Break-even live

Break-even rent $384
Max offer price $14,900
Occupancy floor 23%

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
$3,725
Closing costs
$447
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

HOA detail

Monthly dues
$200 · $2,400/yr

Listing history 17 events

  1. 2026-06-19
    days on market $14,900 Active 1403 DOM
  2. 2026-06-18
    days on market $14,900 Active 1402 DOM
  3. 2026-06-17
    days on market $14,900 Active 1401 DOM
  4. 2026-06-16
    days on market $14,900 Active 1400 DOM
  5. 2026-06-15
    days on market $14,900 Active 1399 DOM
  6. 2026-06-14
    days on market $14,900 Active 1397 DOM
  7. 2026-06-12
    days on market $14,900 Active 1396 DOM
  8. 2026-06-09
    days on market $14,900 Active 1393 DOM
  9. 2026-06-08
    days on market $14,900 Active 1392 DOM
  10. 2026-06-07
    days on market $14,900 Active 1391 DOM
  11. 2026-06-05
    days on market $14,900 Active 1388 DOM
  12. 2026-06-03
    days on market $14,900 Active 1387 DOM
  13. 2026-06-02
    days on market $14,900 Active 1386 DOM
  14. 2026-06-01
    days on market $14,900 Active 1385 DOM
  15. 2026-05-31
    days on market $14,900 Active 1384 DOM
  16. 2026-05-30
    days on market $14,900 Active 1383 DOM
  17. 2022-08-16
    listed $14,900 Active

ⓘ 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 4/10 Moderate
  • 🌡 Heat 1/10 Low 14 d/yr ≥74°F today · 37 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$52,145
− Mortgage interest
−$835
− Property taxes
−$224
− Insurance
−$74
− Repairs & maintenance
−$4,172
− Management
−$4,172
− HOA
−$2,400
− Depreciation
−$433
Taxable income
$39,836
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$9,561
After-tax cash flow
$27,999/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
Eagle County School District No. RE-50
NCES district ID
0803540
Math proficiency
22% ▼ -8.00%
Reading proficiency
42% ▼ -4.00%
Median HH income
$73,322
Composite
30.01/100
National rank
#6360
State rank
#39 of 86 in CO

Livability — Avon

Score
61/100
State rank
#220
US rank
#17858

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Eagle County · 42,178 people
City population
10,870
Metro
Edwards, CO
Population (ZIP)
10,870
Household income
$102,775
Rent vs Own
46.9% rent · 53.1% own
Severe rent burden
744.0

Population outlook (Eagle County) Hauer SSP2

Today (2025)
57,837 people
By 2030
59,258 · +2.5%
By 2040
60,698 · +4.9%
By 2050
60,206 · +4.1%
By 2075
54,326 · -6.1%
By 2100
47,000 · -18.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.56)
Race & ethnicity
White 62% Hispanic / Latino 23% Two or more races 23% Asian 3% Black 2%
Hispanic origin (detail)
Mexican 14%
Common ancestry
Italian 3% Scotch-Irish 2% Slovak 2%
Foreign-born
14% · Canada, Dominican Republic
Languages at home
78% English-only · Spanish 15% Other Indo-European 4% Chinese 1%

Political lean MEDSL · Eagle

2024 margin
Strong D (+24.4) · D 61.0% · R 36.5% · Other 2.5%
2008→2024 swing
+1.3pp toward D · 2008: 23.1pp · 2024: 24.4pp
All cycles
2024: D+24.4 2020: D+29.8 2016: D+19.9 2012: D+14.7 2008: D+23.1

Not yet ingested

Civics

Market trends

HPI YoY
▲ 6.63%
Current HPI
363.7493
Rent YoY
Metro
Edwards, CO
State GDP YoY
▲ 1.95%
F500 in state
14

Industry mix (Fortune 500 HQ in CO)

Industry F500 HQs Revenue

Price history

1 event — show timeline
  • 2022-08-16 Listed $14,900 VMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…