209 S Peach St · Shickley, NE 68436

$147,000

4 bd · 1.0 ba · 1,290 sqft · SingleFamily public records · 13 Days on market

Built 1909 0.41 ac lot

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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 +16.4/30.0
• ARV discount +7.5/15.0
• DSCR +5.1/10.0
• Schools +5.1/10.0
• Appreciation +5.0/10.0
• 1% rule +3.4/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Huge Home with lovely features adding Charm & Character, including original wood floors, woodwork, pocket doors, transit window, built-in pantry, claw foot tub, covered porch and so much more. This Beauty offers 4 Bedrooms and 2 updated Baths, along with huge Living/Dining Space on main floor. Located on 100'x180' Lot with 2 stall detached garage along with an attached garage.

Key facts

• Covered porch
• Built-in pantry
• Woodwork

Tags

• ORIGINAL WOOD FLOORS
• WOODWORK
• POCKET DOORS
• BUILT-IN PANTRY
• CLAW FOOT TUB
• COVERED PORCH

Property features AI

Exterior

• Parking: Attached and detached parking; Three covered parking spaces; Three total parking spaces and garage spaces
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Two levels; Built in 1909; Not new / not a model
• Construction: Block foundation; Shingle roof (not explicitly listed; roof type not provided)
• Exterior features: Front porch; Lot over 1/4 to 1/2 acre (approximately 0.413 acre); Lot dimensions about 100 x 180

Interior

• Kitchen: Range; Refrigerator; Garbage disposal
• Bedrooms: Primary bedroom on main floor; Additional bedrooms on second floor
• Bathrooms: Two bathrooms total (one full, one three-quarter); At least one bathroom on the main level and one on the second floor
• Heating & cooling: Natural gas forced-air heating; Central air conditioning
• Interior features: Full, unfinished basement; No fireplaces
• Laundry & utility: Washer and Dryer included

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $147k.

Deal economics

• At list price, monthly cash flow is $83 ($994/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 $123k (16.2% below list).
• Recommended offer: $123k (16.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#310 in NE) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: health & safety C-, amenities F, commute F.
• Shickley Public Schools (rural): math 65% / reading 50% proficiency, ranked #81 of 245 in NE (top 33%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 10% free/reduced lunch — higher-income household profile.
• Zoned schools: Shickley Elementary School (math 64% / reading 54%, grade B-, #111 of 502 statewide, top 26%, 106 students, 20% FRL); Shickley High School (math 54% / reading 44%, grade D, #107 of 261 statewide, top 52%, 58 students, 14% FRL).
• Market conditions: 5 active listings in the ZIP; 10 units permitted in Fillmore County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($1k loan paydown + $4k appreciation (3.0% local appreciation)).
• Fillmore County population projected to shrink 6% 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 $41k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 2y 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.
• Current owner paid $60k; list at $147k implies a 145% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1909 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $123,197 (16.2% below list)

Questions for the listing agent

1. Built in 1909 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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.
5. 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.
6. 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: 0.84% ✗
• Cap rate: 6.97%
• Cash-on-cash: 2.42%
• DSCR: 1.11
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 9.7%
• Equity multiple: 1.56×
• Total profit: $22,927
• Equity at exit: $66,098

10-year hold

• IRR: 12.1%
• Equity multiple: 2.80×
• Total profit: $74,164
• Equity at exit: $101,864

Cash invested: $41,160 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Nebraska: 83 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempted; moderate court pace.

Methodology + full state rankings →

ZIP-level market 68436

• Active inventory: 5
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $1,232 medium
• Mortgage (P&I): −$771
• Tax from tax record: −$58 /mo · $699/yr
• Insurance: −$61
• HOA: −$0
• Vacancy / Maint / Mgmt: −$259
• Net cashflow: $83

Break-even live

Break-even rent $1,127

Max offer price $147,000

Occupancy floor 88%

Sensitivity live

Price	-10% $166	-5% $124	+0% $83	+5% $41	+10% $0
Rent	-10% $-14	-5% $34	+0% $83	+5% $132	+10% $180
Rate	-1.0pp $157	-0.5pp $120	base $83	+0.5pp $45	+1.0pp $6

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: $36,750
• Closing costs: $4,410
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-06-21
   days on market $147,000 Active 13 DOM
2. 2026-06-18
   days on market $147,000 Active 11 DOM
3. 2026-06-17
   days on market $147,000 Active 10 DOM
4. 2026-06-16
   days on market $147,000 Active 9 DOM
5. 2026-06-15
   days on market $147,000 Active 8 DOM
6. 2026-06-13
   days on market $147,000 Active 6 DOM
7. 2026-06-12
   statusdays on market $147,000 Active 5 DOM
8. 2026-06-09
   days on market $147,000 New 2 DOM
9. 2026-06-07
   remarks 381-char remark
10. 2026-06-07
    listed $147,000 New 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 NE · Resets to sale price

• Current annual tax: $699 · $58/mo
• Projected year-2 tax: $2,543 · $212/mo
• Expected delta: +$1,844/yr (+$154/mo · 263.7%)

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,784
• − Mortgage interest: −$8,234
• − Property taxes: −$699
• − Insurance: −$735
• − Repairs & maintenance: −$1,183
• − Management: −$1,183
• − Depreciation: −$4,276
• Taxable loss: −$1,527
• Est. tax savings @ 24.0%: +$366
• After-tax cash flow: $1,361/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: Shickley Public Schools
• NCES district ID: 3176650
• Math proficiency: 65% ▲ 10.00%
• Reading proficiency: 50% ▼ -10.00%
• Median HH income: $50,820
• Composite: 50.82/100
• National rank: #3889
• State rank: #81 of 245 in NE

Livability — Shickley

• Score: 66/100
• State rank: #310
• US rank: #11660

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Shickley, NE
• Population (ZIP): 535

Population outlook (Fillmore County) Hauer SSP2

• Today (2025): 5,729 people
• By 2030: 5,696 · -0.6%
• By 2040: 5,561 · -2.9%
• By 2050: 5,412 · -5.5%
• By 2075: 5,437 · -5.1%
• By 2100: 5,373 · -6.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Hispanic / Latino 8% Two or more races 4%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Portuguese 4% Serbian 3% Slovak 2%
• Languages at home: 96% English-only · Spanish 4%

Political lean MEDSL · Fillmore

• 2024 margin: Solid R (+54.9) · D 22.0% · R 76.8% · Other 1.2%
• 2008→2024 swing: -22.6pp toward R · 2008: -32.3pp · 2024: -54.9pp
• All cycles: 2024: R+54.9 2020: R+52.9 2016: R+51.8 2012: R+41.8 2008: R+32.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 0.68%
• F500 in state: 2

Industry mix (Fortune 500 HQ in NE)

Industry	F500 HQs	Revenue
▸Conglomerate	1	$371B

Price history

+553.3% since first listed

10 events — show timeline

• 2026-06-05 Listed $147,000 GPRMLS
• 2024-12-05 Listing Removed — GPRMLS
• 2024-11-10 Price Changed $118,000 GPRMLS
• 2024-08-24 Price Changed $125,000 GPRMLS
• 2024-07-20 Relisted — GPRMLS
• 2024-07-10 Listing Removed — GPRMLS
• 2024-06-21 Listed $129,000 GPRMLS
• 2022-06-30 Sold (Public Records) $60,000 Public Records
• 2021-08-19 Sold (Public Records) $69,000 Public Records
• 2018-04-24 Sold (Public Records) $22,500 Public Records

Property tax history

+0.3%/yr

Latest (2025): $699 · +5.7% YoY. Source: county tax records.