6551 S Navarro Dr · Fort Mohave, AZ 86440

$419,000

3 bd · 2.0 ba · 1,721 sqft · SingleFamily public records · 97 Days on market

Built 2018 0.29 ac lot Est $329k · 27% over $20/mo HOA · 1% of rent

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Why this score? — see what drove the F 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).

• Appreciation +10.0/10.0
• Cash flow +8.1/30.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.2/10.0
• 1% rule +1.5/10.0
• Schools +1.3/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Welcome to Paradise! This lightly used home is going up for sale for the first time ever! It was built in 2018, but looks like it was just completed yesterday-it's so new still! This gorgeous home has so many great features including side parking, 9 foot tall garage doors, extra deep garage, stunning wood plank tile floors, roomy tile showers, granite counter tops, great open floor plan, and a blank slate back yard to create your own personal oasis in! The lot is huge here so there are so many possibilities! Add a pool, add a gazebo, create a putting green-whatever your heart desires, there's probably room for it here!

Key facts

• Open floor plan
• Cherry cabinets
• Vaulted ceilings

Tags

• OPEN FLOOR PLAN
• VAULTED CEILINGS
• CHERRY CABINETS
• GRANITE COUNTERS
• GLASS TILE BACKSPLASH
• SPACIOUS DINING AREA

Property features AI

Finance

• HOA & community: Homeowners association with annual fee of $240 (about $20/month)

Exterior

• Parking: Attached oversized garage with garage door opener; 3 garage spaces
• Utilities: 200+ amp electric service; Underground utilities; Public sewer
• Home design: Single-family residence; One story; Built by River Ridge Builders; Stucco exterior; Zoned M-R-1 (Single Family Residential)
• Construction: Stucco construction; Tile roof
• Exterior features: Level lot; Has a view; Block and wrought iron fencing; Tile roof

Interior

• Kitchen: Breakfast bar; Pantry; Electric water heater
• Bedrooms: Total rooms: 6
• Flooring: Carpet; Tile
• Bathrooms: 1 full bathroom; 1 three-quarter bathroom
• Heating & cooling: Heat pump; Ceiling fans; Electric cooling
• Interior features: Vaulted ceilings; Breakfast bar; Ceiling fans; Open floor plan; Pantry; Walk-in closets; Window coverings
• Laundry & utility: Inside laundry; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $419k.

Deal economics

• At list price, monthly cash flow is $-401 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $348k (16.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $272k (35.0% below list).
• Recommended offer: $272k (35.0% below list) — sets the bar for 1% rule.
• Cap rate 5.1% vs local median 4.2% in Fort Mohave — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 65/100 on livability (#88 in AZ) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, health & safety C-, crime D+.
• Colorado River Union High School District (4381) (town): math 13% / reading 17% proficiency, ranked #213 of 249 in AZ (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 217 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 2,543 units permitted in Mohave County in 2024 (33 in 5+ unit buildings).

Forward outlook

• In year one you build about $45k of equity ($3k loan paydown + $42k appreciation (10.0% local appreciation)).
• Mohave County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$72k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 97 days — a 9% lower offer ($381k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago; this cycle's ask has dropped $26k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $272,455 (35.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 35% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
9. 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.
10. 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.
11. 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: 0.65% ✗
• Cap rate: 5.14%
• Cash-on-cash: -4.10%
• DSCR: 0.82
• GRM: 12.8

CMA / ARV

• ARV (on-the-fly): $328,711
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6542 S Mystic Ave	0.05mi	4/2.0 (+1)	1,609 (-6%)	6mo	$350,000	$218	76
6537 S Black Canyon Dr	0.08mi	4/2.0 (+1)	1,611 (-6%)	7mo	$340,000	$211	74
2541 E Halycone Dr	0.09mi	3/2.0	1,785 (+4%)	18mo	$330,000	$185	74
6533 Black Canyon Dr	0.08mi	4/2.0 (+1)	1,872 (+9%)	10mo	$325,000	$174	68
2439 E Parkside Dr	0.30mi	3/2.0	1,675 (-3%)	20mo	$225,000	$134	65
2387 E Paseo Mallorca	0.58mi	3/2.0	1,705 (-1%)	9mo	$715,000	$419	64
2653 E Prado Dr	0.12mi	4/2.0 (+1)	1,608 (-7%)	18mo	$310,000	$193	63
2621 E Halycone Dr	0.09mi	3/2.0	1,547 (-10%)	19mo	$296,000	$191	63
2335 E Parkside Dr	0.48mi	3/2.0	1,637 (-5%)	23mo	$265,000	$162	50
2282 E Willowleaf Dr	0.62mi	3/2.0	1,499 (-13%)	14mo	$239,900	$160	37

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.3%
• Equity multiple: 2.73×
• Total profit: $202,486
• Equity at exit: $377,468

10-year hold

• IRR: 19.3%
• Equity multiple: 6.25×
• Total profit: $616,038
• Equity at exit: $814,025

Cash invested: $117,320 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Arizona: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

Methodology + full state rankings →

ZIP-level market 86440

• Home prices YoY: 4.2%
• Active inventory: 217
• Price-to-rent: 12.8×

Monthly cashflow live

• Estimated rent: $2,725 high
• Mortgage (P&I): −$2,197
• Tax from tax record: −$162 /mo · $1,939/yr
• Insurance: −$175
• HOA: −$20
• Vacancy / Maint / Mgmt: −$572
• Net cashflow: $-401

Break-even live

Break-even rent $3,232

Max offer price $348,152

Occupancy floor —

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: $104,750
• Closing costs: $12,570
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6106 S Shelby Rd Fort Mohave, AZ	3.0	2.0	2030	$2,800	$1.38	13d	1	0.85mi
6164 S Los Lagos Pl Fort Mohave, AZ	3.0	2.0	2184	$3,500	$1.60	13d	1	1.20mi
7098 S Kaiser Dr Mohave Valley, AZ	3.0	2.0	1622	$3,000	$1.85	13d	1	1.43mi
2061 E Lago Grande Bay Fort Mohave, AZ	3.0	2.0	1779	$2,400	$1.35	13d	1	1.43mi
7086 S Harquahala Dr Mohave Valley, AZ	3.0	2.0	1333	$1,700	$1.28	13d	1	1.45mi

HOA detail

• Monthly dues: $20 · $240/yr
• Likely covers: pool

Listing history 9 events

1. 2026-05-11
   status Pending
2. 2026-04-16
   price $419,000
3. 2026-03-19
   price $429,000
4. 2026-02-03
   listed $445,000 Active
5. 2022-02-11
   soldstatus $390,000 626-char remark

   Show marketing remark (626 chars)

   Welcome to Paradise! This lightly used home is going up for sale for the first time ever! It was built in 2018, but looks like it was just completed yesterday-it's so new still! This gorgeous home has so many great features including side parking, 9 foot tall garage doors, extra deep garage, stunning wood plank tile floors, roomy tile showers, granite counter tops, great open floor plan, and a blank slate back yard to create your own personal oasis in! The lot is huge here so there are so many possibilities! Add a pool, add a gazebo, create a putting green-whatever your heart desires, there's probably room for it here!

6. 2022-01-28
   soldstatus $390,000 626-char remark

   Show marketing remark (626 chars)

   Welcome to Paradise! This lightly used home is going up for sale for the first time ever! It was built in 2018, but looks like it was just completed yesterday-it's so new still! This gorgeous home has so many great features including side parking, 9 foot tall garage doors, extra deep garage, stunning wood plank tile floors, roomy tile showers, granite counter tops, great open floor plan, and a blank slate back yard to create your own personal oasis in! The lot is huge here so there are so many possibilities! Add a pool, add a gazebo, create a putting green-whatever your heart desires, there's probably room for it here!

7. 2022-01-28
   soldstatus $390,000

   Show marketing remark (626 chars)

   Welcome to Paradise! This lightly used home is going up for sale for the first time ever! It was built in 2018, but looks like it was just completed yesterday-it's so new still! This gorgeous home has so many great features including side parking, 9 foot tall garage doors, extra deep garage, stunning wood plank tile floors, roomy tile showers, granite counter tops, great open floor plan, and a blank slate back yard to create your own personal oasis in! The lot is huge here so there are so many possibilities! Add a pool, add a gazebo, create a putting green-whatever your heart desires, there's probably room for it here!

8. 2021-12-01
   listed $395,000 626-char remark

   Show marketing remark (626 chars)

   Welcome to Paradise! This lightly used home is going up for sale for the first time ever! It was built in 2018, but looks like it was just completed yesterday-it's so new still! This gorgeous home has so many great features including side parking, 9 foot tall garage doors, extra deep garage, stunning wood plank tile floors, roomy tile showers, granite counter tops, great open floor plan, and a blank slate back yard to create your own personal oasis in! The lot is huge here so there are so many possibilities! Add a pool, add a gazebo, create a putting green-whatever your heart desires, there's probably room for it here!

9. 2021-12-01
   listed $395,000 626-char remark

   Show marketing remark (626 chars)

   Welcome to Paradise! This lightly used home is going up for sale for the first time ever! It was built in 2018, but looks like it was just completed yesterday-it's so new still! This gorgeous home has so many great features including side parking, 9 foot tall garage doors, extra deep garage, stunning wood plank tile floors, roomy tile showers, granite counter tops, great open floor plan, and a blank slate back yard to create your own personal oasis in! The lot is huge here so there are so many possibilities! Add a pool, add a gazebo, create a putting green-whatever your heart desires, there's probably room for it here!

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

Tax reassessment forecast AZ · Resets to sale price

• Current annual tax: $1,939 · $162/mo
• Projected year-2 tax: $2,765 · $230/mo
• Expected delta: +$826/yr (+$69/mo · 42.6%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥116°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: $32,695
• − Mortgage interest: −$23,471
• − Property taxes: −$1,939
• − Insurance: −$2,095
• − Repairs & maintenance: −$2,616
• − Management: −$2,616
• − HOA: −$240
• − Depreciation: −$12,189
• Taxable loss: −$12,470
• Est. tax savings @ 24.0%: +$2,993
• After-tax cash flow: $-1,820/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: Colorado River Union High School District (4381)
• NCES district ID: 0400082
• Math proficiency: 13% ▼ -17.00%
• Reading proficiency: 17% ▼ -18.00%
• Median HH income: $39,132
• Composite: 12.72/100
• National rank: #9603
• State rank: #213 of 249 in AZ

Livability — Fort Mohave

• Score: 65/100
• State rank: #88
• US rank: #13539

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 15,467
• Population (ZIP): 8,403

Population outlook (Mohave County) Hauer SSP2

• Today (2025): 209,184 people
• By 2030: 209,674 · +0.2%
• By 2040: 205,897 · -1.6%
• By 2050: 196,810 · -5.9%
• By 2075: 169,454 · -19.0%
• By 2100: 136,630 · -34.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 20% Two or more races 11% Native American 4%
• Hispanic origin (detail): Mexican 11%
• Common ancestry: Lithuanian 3% Iranian 2% Italian 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Mohave

• 2024 margin: Solid R (+55.8) · D 21.8% · R 77.6%
• 2008→2024 swing: -22.9pp toward R · 2008: -32.9pp · 2024: -55.8pp
• All cycles: 2024: R+55.8 2020: R+51.3 2016: R+51.5 2012: R+42.6 2008: R+32.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 13.05%
• Current HPI: 322.7772
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 4.54%
• F500 in state: 20

Industry mix (Fortune 500 HQ in AZ)

Industry	F500 HQs	Revenue
▸Technology	2	$13B
▸Mining / Metals	1	$23B
▸Environmental Services	1	$16B
▸Metals / Steel	1	$14B
▸Technology Distribution	1	$9B
▸Homebuilding	1	$8B

Price history

+6.1% since first listed

9 events — show timeline

• 2026-05-11 Pending — LHAR
• 2026-04-16 Price Changed $419,000 LHAR
• 2026-03-19 Price Changed $429,000 LHAR
• 2026-02-03 Listed $445,000 LHAR
• 2022-02-11 Sold (MLS) $390,000 WARDEX
• 2022-01-28 Sold (Public Records) $390,000 Public Records
• 2022-01-28 Sold (MLS) $390,000 LHAR
• 2021-12-01 Listed $395,000 LHAR
• 2021-12-01 Listed $395,000 WARDEX

Property tax history

+26.3%/yr

Latest (2025): $1,939 · +15.1% YoY. Source: county tax records.