511 W Main St · Florence, CO 81226

$119,500

3 bd · 1.0 ba · 1,442 sqft · SingleFamily public records · 115 Days on market

Built 1898 5,227 sqft lot

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Why this score? — see what drove the B- 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 +29.9/30.0
• DSCR +10.0/10.0
• 1% rule +7.9/10.0
• ARV discount +7.5/15.0
• Livability +3.0/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

Key facts

• Solar panels
• 5,227 sq ft lot
• Parking

Tags

• QUAINTLY STYLED BUNGALOW
• LARGE LIVING DINING AREA
• NEWER KITCHEN CABINETS
• SOLAR PANELS
• FULLY FENCED BACK YARD
• CLOSE TO ELEMENTARY SCHOOL

Property features AI

Exterior

• Parking: 1 off-street parking space (1 total parking space)
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One story; Unattached property; Government ownership
• Construction: Stucco exterior; Composition roof; House structure
• Exterior features: Public water; Public sewer; R-1 zoning

Interior

• Kitchen: Kitchen on main level (approx. 14' x 13'); Includes oven, range, refrigerator
• Bedrooms: 2 bedrooms on the main level (approx. 14' x 11' and 12' x 13')
• Bathrooms: 1 full bathroom on the main level (approx. 4' x 10')
• Heating & cooling: Forced air heating
• Interior features: Oven, Range, Refrigerator; Free-standing fireplace
• Laundry & utility: Utility room on main level (approx. 11' x 4')

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $443 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Recommended offer: $109k (9.0% below list) — sets the bar for market timing.
• Cap rate 10.7% vs local median 2.5% in Florence — 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 59/100 on livability (#277 in CO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment C-, health & safety C-, amenities F.
• Fremont Re-2 (town): math 25% / reading 39% proficiency, ranked #48 of 86 in CO (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Fremont Elementary School (math 34% / reading 40%, grade F, #405 of 966 statewide, top 43%, 507 students, 60% FRL); Florence Jr./Sr. High School (math 17% / reading 38%, grade F, #255 of 381 statewide, top 67%, 585 students, 43% FRL).
• Market conditions: 109 active listings in the ZIP; 139 units permitted in Fremont County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $826 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Fremont County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $33k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 115 days — a 9% lower offer ($109k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y ago; this cycle's ask is 33% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1898 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $108,745 (9.0% below list)

Questions for the listing agent

1. It's been on market 115 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1898 — 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. 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: 1.29% ✓
• Cap rate: 10.74%
• Cash-on-cash: 15.89%
• DSCR: 1.71
• GRM: 6.4

CMA / ARV

• ARV (on-the-fly): $297,052
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
212 W 2nd St	0.27mi	3/1.0	1,572 (+9%)	13mo	$280,000	$178	61
220 E 5th St	0.60mi	3/2.0	1,381 (-4%)	0mo	$299,900	$217	61
912 W 1st St	0.32mi	2/1.0 (-1)	1,555 (+8%)	14mo	$154,500	$99	55
130 E Front St	0.46mi	2/3.0 (-1)	1,510 (+5%)	12mo	$275,000	$182	48
117 High Meadows Dr	0.64mi	3/2.0	1,456 (+1%)	20mo	$299,999	$206	48
1009 W 2nd	0.42mi	3/2.0	1,312 (-9%)	17mo	$210,500	$160	47
203 W 8th St	0.55mi	4/1.0 (+1)	1,294 (-10%)	7mo	$230,000	$178	46
1112 W 4th St	0.56mi	4/2.0 (+1)	1,567 (+9%)	9mo	$330,000	$211	43
212 High Meadows Ct	0.61mi	3/2.0	1,250 (-13%)	3mo	$320,000	$256	43
122 Rose Dr	0.72mi	2/2.0 (-1)	1,530 (+6%)	9mo	$408,000	$267	40
212 6th St	0.62mi	3/2.0	1,578 (+9%)	18mo	$275,958	$175	36
1301 W 2nd St	0.65mi	4/3.0 (+1)	1,650 (+14%)	14mo	$460,000	$279	21

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: 6.8%
• Equity multiple: 1.26×
• Total profit: $8,857
• Equity at exit: $17,818

10-year hold

• IRR: 16.1%
• Equity multiple: 2.32×
• Total profit: $44,037
• Equity at exit: $10,332

Cash invested: $33,460 (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.

Methodology + full state rankings →

ZIP-level market 81226

• Home prices YoY: -32.6%
• Active inventory: 109
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,547 medium
• Mortgage (P&I): −$627
• Tax from tax record: −$102 /mo · $1,226/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $443

Break-even live

Break-even rent $986

Max offer price $119,500

Occupancy floor 66%

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: $29,875
• Closing costs: $3,585
• Reserves months: —
• Total cash needed: —

Listing history 45 events

1. 2026-06-19
   days on market $119,500 Active 115 DOM
2. 2026-06-18
   days on market $119,500 Active 114 DOM
3. 2026-06-17
   days on market $119,500 Active 113 DOM
4. 2026-06-16
   days on market $119,500 Active 112 DOM
5. 2026-06-15
   days on market $119,500 Active 111 DOM
6. 2026-06-14
   days on market $119,500 Active 109 DOM
7. 2026-06-12
   statusdays on market $119,500 Active 108 DOM
8. 2026-04-29
   status Pending 581-char remark

   Show marketing remark (581 chars)

   Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

9. 2026-04-29
   status Pending 581-char remark

   Show marketing remark (581 chars)

   Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

10. 2026-04-21
    price $119,500 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

11. 2026-04-21
    price $119,500 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

12. 2026-04-20
    price $70,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

13. 2026-04-20
    price $70,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

14. 2026-04-13
    price $67,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

15. 2026-04-13
    price $67,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

16. 2026-03-30
    price $71,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

17. 2026-03-30
    price $71,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

18. 2026-03-23
    price $74,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

19. 2026-03-23
    price $74,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

20. 2026-03-09
    price $71,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

21. 2026-03-09
    price $71,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

22. 2026-02-23
    price $74,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

23. 2026-02-23
    price $74,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

24. 2026-02-16
    price $87,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

25. 2026-02-16
    price $87,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

26. 2026-02-09
    price $94,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

27. 2026-02-09
    price $94,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

28. 2026-02-02
    price $87,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

29. 2026-02-02
    price $87,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

30. 2026-01-26
    price $93,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

31. 2026-01-26
    price $93,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

32. 2026-01-19
    price $91,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

33. 2026-01-19
    price $91,000 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

34. 2026-01-12
    listed $90,000 Active 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

35. 2026-01-12
    listed $90,000 Active 581-char remark

    Show marketing remark (581 chars)

    Don't miss out on this great opportunity. Quaintly styled bungalow home features 2 bedrooms and 1 Full bath along with a large living/ dining area and 2 adjoining areas that would make a great office or play room for the kids. Newer kitchen cabinets and countertop. Many of the windows have been replaced and solar panels add to the efficiency of this home. Finish the fully fenced back yard to your liking, because there is plenty of room for a garden, a patio or xeriscaping! Location can't be better- just a couple of blocks from the Elementary school and the downtown eateries.

36. 2025-11-20
    price $147,500
37. 2025-10-24
    price $171,200
38. 2023-07-20
    soldstatus $185,000
39. 2023-07-17
    soldstatus $185,000 Closed
40. 2023-06-07
    historical Active Under Contract
41. 2023-04-27
    price $199,000
42. 2023-04-04
    listed $209,500 Active
43. 2022-02-28
    soldstatus $95,000
44. 2022-02-25
    soldstatus $95,000
45. 2022-01-14
    listed $105,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CO · Resets to sale price

• Current annual tax: $1,226 · $102/mo
• Projected year-2 tax: $1,226 · $102/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 7/10 Severe
• 🌡 Heat 4/10 Moderate 6 d/yr ≥94°F today · 16 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: $18,559
• − Mortgage interest: −$6,694
• − Property taxes: −$1,226
• − Insurance: −$598
• − Repairs & maintenance: −$1,485
• − Management: −$1,485
• − Depreciation: −$3,476
• Taxable income: $3,596
• Est. tax owed @ 24.0%: −$863
• After-tax cash flow: $4,455/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: Fremont Re-2
• NCES district ID: 0803960
• Math proficiency: 25% ▲ 3.00%
• Reading proficiency: 39% ▼ -1.00%
• Median HH income: $42,196
• Composite: 27.06/100
• National rank: #7050
• State rank: #48 of 86 in CO

Livability — Florence

• Score: 59/100
• State rank: #277
• US rank: #20234

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Florence, CO
• Population (ZIP): 7,933

Population outlook (Fremont County) Hauer SSP2

• Today (2025): 46,291 people
• By 2030: 46,017 · -0.6%
• By 2040: 45,295 · -2.2%
• By 2050: 43,881 · -5.2%
• By 2075: 39,981 · -13.6%
• By 2100: 31,943 · -31.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (67%)
• Race & ethnicity: White 67% Hispanic / Latino 18% Black 7% Two or more races 6% Native American 3% Asian 2%
• Hispanic origin (detail): Mexican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Italian 2% Iranian 1%
• Foreign-born: 4% · Canada, Vietnam
• Languages at home: 90% English-only · Spanish 6% Vietnamese 2%

Political lean MEDSL · Fremont

• 2024 margin: Solid R (+38.4) · D 29.6% · R 68.0% · Other 2.5%
• 2008→2024 swing: -9.2pp toward R · 2008: -29.2pp · 2024: -38.4pp
• All cycles: 2024: R+38.4 2020: R+39.7 2016: R+44.8 2012: R+31.8 2008: R+29.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -100.54%
• Current HPI: 208.1501
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.95%
• F500 in state: 14

Industry mix (Fortune 500 HQ in CO)

Industry	F500 HQs	Revenue
▸Technology Distribution	1	$31B
▸Food / Agriculture	1	$18B
▸Packaging	1	$14B
▸Healthcare	1	$13B
▸Energy	1	$10B
▸Technology	1	$4B

Price history

+13.8% since first listed

38 events — show timeline

• 2026-04-29 Pending — IRES
• 2026-04-29 Pending — REColorado as Distributed by MLS Grid
• 2026-04-21 Price Changed $119,500 IRES
• 2026-04-21 Price Changed $119,500 REColorado as Distributed by MLS Grid
• 2026-04-20 Price Changed $70,000 IRES
• 2026-04-20 Price Changed $70,000 REColorado as Distributed by MLS Grid
• 2026-04-13 Price Changed $67,000 IRES
• 2026-04-13 Price Changed $67,000 REColorado as Distributed by MLS Grid
• 2026-03-30 Price Changed $71,000 IRES
• 2026-03-30 Price Changed $71,000 REColorado as Distributed by MLS Grid
• 2026-03-23 Price Changed $74,000 IRES
• 2026-03-23 Price Changed $74,000 REColorado as Distributed by MLS Grid
• 2026-03-09 Price Changed $71,000 IRES
• 2026-03-09 Price Changed $71,000 REColorado as Distributed by MLS Grid
• 2026-02-23 Price Changed $74,000 IRES
• 2026-02-23 Price Changed $74,000 REColorado as Distributed by MLS Grid
• 2026-02-16 Price Changed $87,000 IRES
• 2026-02-16 Price Changed $87,000 REColorado as Distributed by MLS Grid
• 2026-02-09 Price Changed $94,000 IRES
• 2026-02-09 Price Changed $94,000 REColorado as Distributed by MLS Grid
• 2026-02-02 Price Changed $87,000 IRES
• 2026-02-02 Price Changed $87,000 REColorado as Distributed by MLS Grid
• 2026-01-26 Price Changed $93,000 IRES
• 2026-01-26 Price Changed $93,000 REColorado as Distributed by MLS Grid
• 2026-01-19 Price Changed $91,000 IRES
• 2026-01-19 Price Changed $91,000 REColorado as Distributed by MLS Grid
• 2026-01-12 Listed $90,000 REColorado as Distributed by MLS Grid
• 2026-01-12 Listed $90,000 IRES
• 2025-11-20 Price Changed $147,500 RGAR
• 2025-10-24 Price Changed $171,200 RGAR
• 2023-07-20 Sold (Public Records) $185,000 Public Records
• 2023-07-17 Sold (MLS) $185,000 RGAR
• 2023-06-07 Contingent — RGAR
• 2023-04-27 Price Changed $199,000 RGAR
• 2023-04-04 Listed $209,500 RGAR
• 2022-02-28 Sold (Public Records) $95,000 Public Records
• 2022-02-25 Sold (MLS) $95,000 RGAR
• 2022-01-14 Listed $105,000 RGAR

Property tax history

+19.9%/yr

Latest (2025): $1,226 · +32.1% YoY. Source: county tax records.