570 4th St · Bennett, CO 80102

$390,000

3 bd · 2.0 ba · 912 sqft · Manufactured public records · 95 Days on market

Built 2018 3,484 sqft lot

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Why this score? — see what drove the D 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 +9.6/30.0
• ARV discount +7.5/15.0
• Livability +3.0/5.0
• DSCR +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0
• 1% rule +1.8/10.0

Listing remarks MLS

This lovely move-in ready ranch style home is perfectly situated in the heart of Bennett and is offered at an attractive price. The sellers have demonstrated exceptional pride of ownership through meticulous maintenance and thoughtful upgrades throughout the property. The main floor offers three comfortable bedrooms and two well-appointed bathrooms. The primary bedroom includes a spacious ensuite 3/4 bath, featuring double sinks and a walk-in closet for ample storage. New lighting fixtures have been installed throughout the home, enhancing its modern appeal. Additionally, a carefully designed glass wall above the banister and an enclosed top of the stairs provide extra space and a stylish touch. The full basement includes an additional bedroom equipped with an egress window, making it a versatile space for guests or family members. Recent upgrades include new interior and exterior paint, newer appliances such as a dishwasher, refrigerator, garbage disposal, garage door opener, and kitchen faucet. The home is equipped with a washer and dryer, stainless steel appliances (refrigerator, stove, dishwasher, and microwave), and a COVE security system for added peace of mind. Enjoy a private backyard with a fence and patio, perfect for relaxing or entertaining guests.

Key facts

• Private backyard
• New exterior paint
• New interior paint

Tags

• PRIVATE BACKYARD
• GLASS WALL ABOVE BANISTER
• ENCLOSED TOP OF STAIRS
• NEW INTERIOR PAINT
• NEW EXTERIOR PAINT

Property features AI

Exterior

• Parking: 3 parking spaces total; 2-car garage; 1 off-street space; Concrete and gravel surfaces; Exterior access door
• Security: Security system with smart cameras and smart security features; Video doorbell; Smoke detectors; Carbon monoxide detectors
• Utilities: Public water; Public sewer; Electricity connected; Natural gas connected; Wired internet access
• Home design: Duplex (single family residence subtype); One story; Faces south; Property attached with 1 common wall; Individual ownership
• Construction: Frame construction; Composition roof; Concrete perimeter foundation and slab; Built-in cellar basement (finished and unfinished areas) with interior entry
• Exterior features: Private yard; Dog run; Patio; Partial fencing

Interior

• Kitchen: Stainless steel appliances; Dishwasher; Disposal; Microwave; Oven; Range; Refrigerator; Laminate counters
• Bedrooms: 4 bedrooms total; 3 main-level bedrooms; 1 finished basement bedroom with egress (basement)
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms; Primary bedroom has an ensuite 3/4 bath with double sinks and en suite access
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Ceiling fans; Laminate counters; Primary suite; Smoke-free; Walk-in closets; Double-pane windows; Egress windows; Skylights; Window coverings
• Laundry & utility: In-unit laundry; Washer and dryer included; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $390k.

Deal economics

• At list price, monthly cash flow is $-265 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $343k (12.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $266k (31.8% below list).
• Recommended offer: $266k (31.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#263 in CO) — a working-class tenant base; expect higher turnover. Strengths: housing A+, crime A-; Watch: cost of living D+, amenities F, commute F.
• Bennett School District No. 29J (rural): math 13% / reading 31% proficiency, ranked #69 of 86 in CO (top 80%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Bennett Preschool (71 students, 11% FRL); Bennett Middle School (math 8% / reading 42%, grade F, #168 of 270 statewide, top 63%, 304 students, 38% FRL); Bennett High School (math 22% / reading 47%, grade F, #209 of 381 statewide, top 56%, 427 students, 25% FRL) — zoned schools at 25% FRL track the district average.
• Market conditions: 213 active listings in the ZIP; 2,299 units permitted in Adams County in 2024 (343 in 5+ unit buildings).

Forward outlook

• In year one you build about $42k of equity ($3k loan paydown + $39k appreciation (10.0% local appreciation)).
• Adams County population projected at +44% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$67k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 95 days — a 9% lower offer ($355k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 9y 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: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $266,045 (31.8% 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 95 days. Have you received any prior offers? Is the seller open to a 32% concession, seller financing, or rate buy-down credit?
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. 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?
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: 0.68% ✗
• Cap rate: 5.48%
• Cash-on-cash: -2.92%
• DSCR: 0.87
• GRM: 12.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 22.2%
• Equity multiple: 2.79×
• Total profit: $195,344
• Equity at exit: $351,343

10-year hold

• IRR: 19.9%
• Equity multiple: 6.39×
• Total profit: $588,224
• Equity at exit: $757,684

Cash invested: $109,200 (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 80102

• Home prices YoY: 3.1%
• Active inventory: 213
• Price-to-rent: 12.2×

Monthly cashflow live

• Estimated rent: $2,660 medium
• Mortgage (P&I): −$2,045
• Tax from tax record: −$159 /mo · $1,913/yr
• Insurance: −$162
• HOA: −$0
• Vacancy / Maint / Mgmt: −$559
• Net cashflow: $-265

Break-even live

Break-even rent $2,996

Max offer price $343,129

Occupancy floor —

Sensitivity live

Price	-10% $-45	-5% $-155	+0% $-265	+5% $-376	+10% $-486
Rent	-10% $-475	-5% $-370	+0% $-265	+5% $-160	+10% $-55
Rate	-1.0pp $-69	-0.5pp $-166	base $-265	+0.5pp $-366	+1.0pp $-469

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: $97,500
• Closing costs: $11,700
• Reserves months: —
• Total cash needed: —

Listing history 34 events

1. 2026-06-21
   days on market $390,000 Active 95 DOM
2. 2026-06-18
   days on market $390,000 Active 92 DOM
3. 2026-06-17
   days on market $390,000 Active 91 DOM
4. 2026-06-16
   days on market $390,000 Active 90 DOM
5. 2026-06-15
   days on market $390,000 Active 89 DOM
6. 2026-06-13
   days on market $390,000 Active 87 DOM
7. 2026-06-13
   days on market $390,000 Active 86 DOM
8. 2026-06-09
   days on market $390,000 Active 83 DOM
9. 2026-06-08
   days on market $390,000 Active 82 DOM
10. 2026-06-07
    days on market $390,000 Active 81 DOM
11. 2026-06-04
    days on market $390,000 Active 78 DOM
12. 2026-06-03
    pricedays on market $390,000 Active 77 DOM
13. 2026-06-02
    days on market $395,000 Active 76 DOM
14. 2026-06-01
    days on market $395,000 Active 75 DOM
15. 2026-05-31
    days on market $395,000 Active 74 DOM
16. 2026-03-18
    listed $395,000 Active 1284-char remark

    Show marketing remark (1284 chars)

    This lovely move-in ready ranch style home is perfectly situated in the heart of Bennett and is offered at an attractive price. The sellers have demonstrated exceptional pride of ownership through meticulous maintenance and thoughtful upgrades throughout the property. The main floor offers three comfortable bedrooms and two well-appointed bathrooms. The primary bedroom includes a spacious ensuite 3/4 bath, featuring double sinks and a walk-in closet for ample storage. New lighting fixtures have been installed throughout the home, enhancing its modern appeal. Additionally, a carefully designed glass wall above the banister and an enclosed top of the stairs provide extra space and a stylish touch. The full basement includes an additional bedroom equipped with an egress window, making it a versatile space for guests or family members. Recent upgrades include new interior and exterior paint, newer appliances such as a dishwasher, refrigerator, garbage disposal, garage door opener, and kitchen faucet. The home is equipped with a washer and dryer, stainless steel appliances (refrigerator, stove, dishwasher, and microwave), and a COVE security system for added peace of mind. Enjoy a private backyard with a fence and patio, perfect for relaxing or entertaining guests.

17. 2026-03-18
    listed $395,000 Active 1284-char remark

    Show marketing remark (1284 chars)

    This lovely move-in ready ranch style home is perfectly situated in the heart of Bennett and is offered at an attractive price. The sellers have demonstrated exceptional pride of ownership through meticulous maintenance and thoughtful upgrades throughout the property. The main floor offers three comfortable bedrooms and two well-appointed bathrooms. The primary bedroom includes a spacious ensuite 3/4 bath, featuring double sinks and a walk-in closet for ample storage. New lighting fixtures have been installed throughout the home, enhancing its modern appeal. Additionally, a carefully designed glass wall above the banister and an enclosed top of the stairs provide extra space and a stylish touch. The full basement includes an additional bedroom equipped with an egress window, making it a versatile space for guests or family members. Recent upgrades include new interior and exterior paint, newer appliances such as a dishwasher, refrigerator, garbage disposal, garage door opener, and kitchen faucet. The home is equipped with a washer and dryer, stainless steel appliances (refrigerator, stove, dishwasher, and microwave), and a COVE security system for added peace of mind. Enjoy a private backyard with a fence and patio, perfect for relaxing or entertaining guests.

18. 2023-01-11
    soldstatus $340,000
19. 2023-01-10
    soldstatus $340,000 Sold 848-char remark

    Show marketing remark (848 chars)

    This is the one you've been waiting for! This charming 4 bedroom, 2 bathroom home has an open-concept floorplan and an unfinished basement with egress windows ready for your vision. As you walk in through the front door you will be greeted by your living room and spacious eat-in kitchen featuring your main-level laundry. To the left is your master suite complete with an en-suite bathroom and large walk-in closet. To the right of the living room are two main-level bedrooms with walk-in closets and a full bathroom. Downstairs you will find plenty of natural lighting and a finished bedroom with a walk-in closet. The spacious front lawn is completely fenced in, or relax on your private back patio just off the kitchen. A newer roof was put on in October 2021 with a transferable warranty. The 2- car detached garage is just off the front walk.

20. 2022-12-03
    status Pending 848-char remark

    Show marketing remark (848 chars)

    This is the one you've been waiting for! This charming 4 bedroom, 2 bathroom home has an open-concept floorplan and an unfinished basement with egress windows ready for your vision. As you walk in through the front door you will be greeted by your living room and spacious eat-in kitchen featuring your main-level laundry. To the left is your master suite complete with an en-suite bathroom and large walk-in closet. To the right of the living room are two main-level bedrooms with walk-in closets and a full bathroom. Downstairs you will find plenty of natural lighting and a finished bedroom with a walk-in closet. The spacious front lawn is completely fenced in, or relax on your private back patio just off the kitchen. A newer roof was put on in October 2021 with a transferable warranty. The 2- car detached garage is just off the front walk.

21. 2022-11-29
    historical
22. 2022-11-29
    historical
23. 2022-10-22
    price $365,000
24. 2022-10-22
    price $365,000
25. 2022-09-29
    price $375,000
26. 2022-09-29
    price $375,000
27. 2022-09-17
    price $390,000
28. 2022-09-17
    price $390,000
29. 2022-08-25
    listed $400,000 Active

    Show marketing remark (848 chars)

    This is the one you've been waiting for! This charming 4 bedroom, 2 bathroom home has an open-concept floorplan and an unfinished basement with egress windows ready for your vision. As you walk in through the front door you will be greeted by your living room and spacious eat-in kitchen featuring your main-level laundry. To the left is your master suite complete with an en-suite bathroom and large walk-in closet. To the right of the living room are two main-level bedrooms with walk-in closets and a full bathroom. Downstairs you will find plenty of natural lighting and a finished bedroom with a walk-in closet. The spacious front lawn is completely fenced in, or relax on your private back patio just off the kitchen. A newer roof was put on in October 2021 with a transferable warranty. The 2- car detached garage is just off the front walk.

30. 2022-08-25
    listed $365,000 Active 848-char remark

    Show marketing remark (848 chars)

    This is the one you've been waiting for! This charming 4 bedroom, 2 bathroom home has an open-concept floorplan and an unfinished basement with egress windows ready for your vision. As you walk in through the front door you will be greeted by your living room and spacious eat-in kitchen featuring your main-level laundry. To the left is your master suite complete with an en-suite bathroom and large walk-in closet. To the right of the living room are two main-level bedrooms with walk-in closets and a full bathroom. Downstairs you will find plenty of natural lighting and a finished bedroom with a walk-in closet. The spacious front lawn is completely fenced in, or relax on your private back patio just off the kitchen. A newer roof was put on in October 2021 with a transferable warranty. The 2- car detached garage is just off the front walk.

31. 2022-08-25
    listed $400,000 Active

    Show marketing remark (848 chars)

    This is the one you've been waiting for! This charming 4 bedroom, 2 bathroom home has an open-concept floorplan and an unfinished basement with egress windows ready for your vision. As you walk in through the front door you will be greeted by your living room and spacious eat-in kitchen featuring your main-level laundry. To the left is your master suite complete with an en-suite bathroom and large walk-in closet. To the right of the living room are two main-level bedrooms with walk-in closets and a full bathroom. Downstairs you will find plenty of natural lighting and a finished bedroom with a walk-in closet. The spacious front lawn is completely fenced in, or relax on your private back patio just off the kitchen. A newer roof was put on in October 2021 with a transferable warranty. The 2- car detached garage is just off the front walk.

32. 2018-06-15
    soldstatus $229,900 Sold
33. 2017-10-09
    status Under Contract
34. 2017-09-11
    listed $229,900 Active

ⓘ 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: $1,913 · $159/mo
• Projected year-2 tax: $2,145 · $179/mo
• Expected delta: +$232/yr (+$19/mo · 12.2%)

ⓘ 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 5/10 Major
• 🌡 Heat 3/10 Moderate 5 d/yr ≥93°F today · 13 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,925
• − Mortgage interest: −$21,846
• − Property taxes: −$1,913
• − Insurance: −$1,950
• − Repairs & maintenance: −$2,554
• − Management: −$2,554
• − Depreciation: −$11,345
• Taxable loss: −$10,237
• Est. tax savings @ 24.0%: +$2,457
• After-tax cash flow: $-727/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: Bennett School District No. 29J
• NCES district ID: 0802430
• Math proficiency: 13% ▼ -10.00%
• Reading proficiency: 31% ▼ -9.00%
• Median HH income: $69,795
• Composite: 21.39/100
• National rank: #8353
• State rank: #69 of 86 in CO

Livability — Bennett

• Score: 59/100
• State rank: #263
• US rank: #19691

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bennett, CO
• City population: 5,994
• Population (ZIP): 5,994

Population outlook (Adams County) Hauer SSP2

• Today (2025): 598,184 people
• By 2030: 651,880 · +9.0%
• By 2040: 759,778 · +27.0%
• By 2050: 862,889 · +44.3%
• By 2075: 1,085,994 · +81.5%
• By 2100: 1,211,318 · +102.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Hispanic / Latino 21% Two or more races 11% Black 2%
• Hispanic origin (detail): Mexican 17% Puerto Rican 1%
• Common ancestry: Serbian 4% Italian 3% Lithuanian 2%
• Foreign-born: 6% · Canada, China
• Languages at home: 87% English-only · Spanish 10% German/W. Germanic 1% Chinese 1%

Political lean MEDSL · Adams

• 2024 margin: Lean D (+9.0) · D 53.2% · R 44.1% · Other 2.7%
• 2008→2024 swing: -9.3pp toward R · 2008: 18.4pp · 2024: 9.0pp
• All cycles: 2024: D+9.0 2020: D+16.3 2016: D+7.2 2012: D+15.1 2008: D+18.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 14.94%
• Current HPI: 494.39
• 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

+71.8% since first listed

19 events — show timeline

• 2026-03-18 Listed $395,000 IRES
• 2026-03-18 Listed $395,000 REColorado as Distributed by MLS Grid
• 2023-01-11 Sold (Public Records) $340,000 Public Records
• 2023-01-10 Sold (MLS) $340,000 IRES
• 2022-12-03 Pending — IRES
• 2022-11-29 Listing Removed — IRES
• 2022-11-29 Listing Removed — REColorado as Distributed by MLS Grid
• 2022-10-22 Price Changed $365,000 REColorado as Distributed by MLS Grid
• 2022-10-22 Price Changed $365,000 IRES
• 2022-09-29 Price Changed $375,000 REColorado as Distributed by MLS Grid
• 2022-09-29 Price Changed $375,000 IRES
• 2022-09-17 Price Changed $390,000 REColorado as Distributed by MLS Grid
• 2022-09-17 Price Changed $390,000 IRES
• 2022-08-25 Listed $400,000 IRES
• 2022-08-25 Listed $365,000 IRES
• 2022-08-25 Listed $400,000 REColorado as Distributed by MLS Grid
• 2018-06-15 Sold (MLS) $229,900 REColorado as Distributed by MLS Grid
• 2017-10-09 Pending — REColorado as Distributed by MLS Grid
• 2017-09-11 Listed $229,900 REColorado as Distributed by MLS Grid

Property tax history

+14.1%/yr

Latest (2025): $1,913 · +0.7% YoY. Source: county tax records.