55519 Iona Ln · Yucca Valley, CA 92284

$264,900

4 bd · 2.0 ba · 1,571 sqft · SingleFamily public records · 18 Days on market

Built 1972 0.34 ac lot Est $391k · 32% under

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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 +15.6/30.0
• ARV discount +15.0/15.0
• DSCR +4.8/10.0
• 1% rule +4.5/10.0
• Rent growth +3.5/5.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks

Bring your vision to 55519 Iona Lane in Yucca Valley, a high-desert property set on an approximately 0.34-acre lot with beautiful surrounding mountain views and a spacious yard. This single-level home offers 4 bedrooms, 2 bathrooms, large windows, an open living area with a white brick fireplace, and sliding glass doors leading to a covered patio and outdoor space. The kitchen area opens toward the main living spaces, creating potential for a functional redesign or renovation. Additional features include interior laundry/utility space, a detached structure/outbuilding, and ample exterior space for parking, storage, outdoor living, or future improvements. Conveniently located near local shop

Key facts

• Spacious yard
• Detached structure
• Covered patio

Tags

• MOUNTAIN VIEWS
• SPACIOUS YARD
• WHITE BRICK FIREPLACE
• COVERED PATIO
• DETACHED STRUCTURE
• INTERIOR LAUNDRY SPACE

Property features AI

Finance

• Other: Property sold as real estate owned (REO); Property offered as-is
• Financial info: Has rental restrictions
• HOA & community: No monthly association fees

Exterior

• Parking: Driveway parking; Attached garage; 2 total parking spaces (2 covered)
• Security: No security/safety features listed
• Utilities: Water provided by Hi-Desert Water District; Septic tank
• Home design: Ranch-style single-family home; Detached property; One story; Composition shingle roof
• Construction: Stucco exterior; Slab foundation; Year built (assessor)
• Exterior features: Covered patio; Wheelchair modifications (disability access); No fencing; Has view of desert and mountains

Interior

• Kitchen: Electric range; Microwave oven
• Bedrooms: All bedrooms on main floor; Main floor master bedroom; Main floor bedroom(s)
• Flooring: Concrete floors
• Bathrooms: 2 full bathrooms; Shower and tub; Shower over tub; Tile countertops
• Heating & cooling: Fireplace heating; Central air conditioning; One fireplace (living room) with raised brick hearth
• Interior features: Open floorplan; Storage; Stacked laundry in closet; Ground-level entry with no steps; Sliding doors; Blinds; Unfurnished
• Laundry & utility: Individual laundry room; Stacked washer/dryer closet

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $265k.

Deal economics

• At list price, monthly cash flow is $113 ($1k/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 $252k (5.0% below list).
• Recommended offer: $252k (5.0% below list) — sets the bar for 1% rule.
• Cap rate 6.8% vs local median 3.6% in Yucca Valley — 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 60/100 on livability (#566 in CA) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+; Watch: cost of living D+, crime D-, amenities D-.
• Morongo Unified (town): math 15% / reading 38% proficiency, ranked #395 of 517 in CA (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Yucca Valley Elementary (544 students, 76% FRL); La Contenta Middle (math 11% / reading 27%, grade F, #426 of 498 statewide, top 86%, 650 students, 72% FRL); Yucca Valley High (math 15% / reading 49%, grade F, #674 of 1,170 statewide, top 59%, 1,264 students, 64% FRL).
• Market conditions: Rents rising fast (+4.1%/yr); 573 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
• At $2,518/mo this rent would consume 52% of the median local household income ($58k/yr) (locally 1132% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($261k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 16y 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.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $251,781 (5.0% below list)

Questions for the listing agent

1. Built in 1972 — 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 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?
4. 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?
5. 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.
6. 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.
7. 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: 6.81%
• Cash-on-cash: 1.83%
• DSCR: 1.08
• GRM: 8.8

CMA / ARV

• ARV (on-the-fly): $391,179
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7990 Redden Ln	0.42mi	3/2.0 (-1)	1,560 (-1%)	19mo	$180,000	$115	58
55856 Mountain View Trl	0.54mi	4/2.0	1,646 (+5%)	10mo	$360,000	$219	58
55920 El Dorado Dr	0.56mi	3/2.0 (-1)	1,528 (-3%)	12mo	$380,000	$249	54
55900 El Dorado	0.54mi	3/2.0 (-1)	1,451 (-8%)	4mo	$419,900	$289	54
55925 Desert Gold Dr	0.56mi	3/2.0 (-1)	1,510 (-4%)	12mo	$340,000	$225	52
7608 Shawnee Trl	0.70mi	3/3.0 (-1)	1,532 (-2%)	12mo	$340,000	$222	44
8470 Bannock Trl	0.67mi	3/2.0 (-1)	1,494 (-5%)	14mo	$400,000	$268	44
7667 Jemez Trl	0.63mi	3/1.0 (-1)	1,456 (-7%)	9mo	$325,000	$223	41
8064 Acoma Trl	0.71mi	3/2.0 (-1)	1,694 (+8%)	18mo	$469,900	$277	34
55026 Hoopa Trl	0.67mi	3/2.0 (-1)	1,344 (-14%)	23mo	$380,000	$283	20

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 · 4.12% rent growth · sell at horizon

5-year hold

• IRR: -12.1%
• Equity multiple: 0.56×
• Total profit: $-32,776
• Equity at exit: $39,497

10-year hold

• IRR: -1.3%
• Equity multiple: 0.91×
• Total profit: $-6,939
• Equity at exit: $22,904

Cash invested: $74,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 92284

• Home prices YoY: -33.1%
• Rents YoY: 4.1%
• Active inventory: 573
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $2,518 high
• Mortgage (P&I): −$1,389
• Tax from tax record: −$376 /mo · $4,515/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$529
• Net cashflow: $113

Break-even live

Break-even rent $2,374

Max offer price $264,900

Occupancy floor 90%

Sensitivity live

Price	-10% $263	-5% $188	+0% $113	+5% $38	+10% $-37
Rent	-10% $-86	-5% $14	+0% $113	+5% $213	+10% $312
Rate	-1.0pp $247	-0.5pp $181	base $113	+0.5pp $45	+1.0pp $-25

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: $66,225
• Closing costs: $7,947
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8419 Elk Trl Yucca Valley, CA	4.0	2.0	2011	$2,900	$1.44	21d	1	0.49mi
7420 Geronimo Trl Yucca Valley, CA	3.0	1.0	1280	$1,700	$1.33	45d	1	0.94mi
55897 Santa Fe Trl Yucca Valley, CA	3.0	2.0	1701	$2,300	$1.35	4d	1	1.08mi
54822 El Prado Trl Yucca Valley, CA	3.0	2.0	1494	$2,595	$1.74	45d	1	1.27mi
7592 Pinon Dr Yucca Valley, CA	3.0	2.0	1542	$2,200	$1.43	0d	1	1.30mi
56594 Joshua Dr Yucca Valley, CA	3.0	2.0	1307	$2,250	$1.72	45d	1	1.35mi

Listing history 12 events

1. 2026-06-21
   days on market $264,900 Active 18 DOM
2. 2026-06-18
   days on market $264,900 Active 15 DOM
3. 2026-06-17
   days on market $264,900 Active 14 DOM
4. 2026-06-16
   days on market $264,900 Active 13 DOM
5. 2026-06-15
   days on market $264,900 Active 12 DOM
6. 2026-06-13
   days on market $264,900 Active 10 DOM
7. 2026-06-13
   days on market $264,900 Active 9 DOM
8. 2026-06-09
   days on market $264,900 Active 6 DOM
9. 2026-06-08
   days on market $264,900 Active 5 DOM
10. 2026-06-07
    days on market $264,900 Active 4 DOM
11. 2026-06-04
    remarks 699-char remark
12. 2026-06-04
    listed $264,900 Active 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 CA · Resets to sale price

• Current annual tax: $4,515 · $376/mo
• Projected year-2 tax: $4,515 · $376/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 D · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥95°F today · 21 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 6/10 Major 12 unhealthy d/yr today · 14 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,214
• − Mortgage interest: −$14,839
• − Property taxes: −$4,515
• − Insurance: −$1,324
• − Repairs & maintenance: −$2,417
• − Management: −$2,417
• − Depreciation: −$7,706
• Taxable loss: −$3,005
• Est. tax savings @ 24.0%: +$721
• After-tax cash flow: $2,080/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: Morongo Unified
• NCES district ID: 0625860
• Math proficiency: 15% ▼ -12.00%
• Reading proficiency: 38% ▼ -3.00%
• Median HH income: $39,399
• Composite: 22.19/100
• National rank: #8156
• State rank: #395 of 517 in CA

Livability — Yucca Valley

• Score: 60/100
• State rank: #566
• US rank: #18584

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Yucca Valley, CA
• County: San Bernardino County · 2,030,291 people
• City population: 25,415
• Metro: Riverside-San Bernardino-Ontario, CA
• Population (ZIP): 25,415
• Household income: $58,373
• Rent vs Own: 34.1% rent · 65.9% own
• Severe rent burden: 1132.0

Population outlook (San Bernardino County) Hauer SSP2

• Today (2025): 2,300,329 people
• By 2030: 2,378,907 · +3.4%
• By 2040: 2,523,137 · +9.7%
• By 2050: 2,642,388 · +14.9%
• By 2075: 2,880,769 · +25.2%
• By 2100: 2,909,436 · +26.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 62% Hispanic / Latino 25% Two or more races 18% Black 2% Native American 2% Asian 2% Pacific Islander 1%
• Hispanic origin (detail): Mexican 20%
• Common ancestry: Italian 4% Romanian 2% Slovak 2%
• Foreign-born: 9% · Canada
• Languages at home: 82% English-only · Spanish 14% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · San Bernardino

• 2024 margin: Toss-up / Even · D 47.5% · R 49.7% · Other 2.8%
• 2008→2024 swing: -8.5pp toward R · 2008: 6.3pp · 2024: -2.1pp
• All cycles: 2024: R+2.1 2020: D+10.7 2016: D+9.8 2012: D+5.4 2008: D+6.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -241.13%
• Current HPI: 486.7185
• Rent YoY: ▲ 4.12%
• Metro: Riverside-San Bernardino-Ontario, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

+368.8% since first listed

39 events — show timeline

• 2026-06-02 Listed $264,900 GPSMLS
• 2026-03-13 Listing Removed — CRMLS
• 2026-03-11 Price Changed $270,000 CRMLS
• 2026-02-27 Price Changed $188,000 CRMLS
• 2026-02-19 Listed $268,000 CRMLS
• 2026-02-19 Coming Soon — CRMLS
• 2024-05-02 Listing Removed — CRMLS
• 2024-04-29 Relisted — CRMLS
• 2024-04-29 Price Changed $360,000 CRMLS
• 2024-04-10 Pending — CRMLS
• 2024-02-25 Listed $338,888 CRMLS
• 2022-09-17 Listing Removed — CRMLS
• 2022-08-25 Price Changed $328,000 CRMLS
• 2022-07-07 Price Changed $298,000 CRMLS
• 2022-07-05 Price Changed $168,000 CRMLS
• 2022-06-19 Listed $188,000 CRMLS
• 2022-06-16 Listing Removed — CRMLS
• 2022-06-10 Price Changed $398,000 CRMLS
• 2022-05-31 Price Changed $438,000 CRMLS
• 2022-05-09 Listed $488,000 CRMLS
• 2022-04-25 Coming Soon — CRMLS
• 2022-03-11 Sold (MLS) $316,000 CRMLS
• 2022-03-02 Pending — CRMLS
• 2022-01-27 Relisted — CRMLS
• 2021-11-19 Contingent — CRMLS
• 2021-10-18 Listed $345,000 CRMLS
• 2021-09-28 Coming Soon $345,000 CRMLS
• 2021-01-02 Listing Removed — GPSMLS
• 2021-01-02 Pending — GPSMLS
• 2020-12-18 Listed $325,000 GPSMLS
• 2020-12-16 Coming Soon — GPSMLS
• 2010-07-14 Sold (MLS) $50,000 CRMLS
• 2010-06-29 Listing Removed — CRMLS
• 2010-06-02 Listed $39,900 CRMLS
• 2010-05-10 Listing Removed — GPSMLS
• 2010-04-14 Listed $79,900 GPSMLS
• 2001-02-28 Sold (Public Records) $48,000 Public Records
• 1993-10-18 Sold (Public Records) $41,000 Public Records
• 1990-12-12 Sold (Public Records) $56,500 Public Records

Property tax history

+10.8%/yr

Latest (2025): $4,515 · -4.5% YoY. Source: county tax records.