323 Bradley Ln · Jacksonville, AR 72086

$220,000

3 bd · 2.0 ba · 2,080 sqft · SingleFamily public records · 55 Days on market

Built 1997 4.10 ac lot $106/sqft · 25% below area Est $295k · 25% under

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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).

• ARV discount +15.0/15.0
• Cash flow +9.5/30.0
• Livability +3.1/5.0
• DSCR +2.7/10.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Don't miss this unique home, enter through a gated entry into your own private oasis in a park like setting on 4+ acres!!! Schedule your showing today to see this amazing home in the Pleasant Meadows II subdivision in Lonoke! This home features 3 bedrooms, 2 full baths, a large open den with tall ceilings, an open kitchen with a new GAS stove/oven, new dishwasher, granite countertops & lots of storage. The primary bedroom features a walk-in closet, a nice size master bath & a walk out patio to the backyard & pool area.

Key facts

• Space in the attic
• Spacious 4.10 acres
• Gated entry way

Tags

• A-FRAME HOME
• SPACIOUS 4.10 ACRES
• GATED ENTRY WAY
• TREE-LINED LOT
• PLENTY OF ROOM FOR A GARDEN
• SPACE IN THE ATTIC

Property features AI

Finance

• Financial info: Potential financing: conventional loan, cash, or other (see remarks)

Exterior

• Parking: Garage
• Utilities: Septic system; Public water; Electric (municipal, Entergy); Natural gas
• Home design: Frame construction with metal/vinyl siding; Located on a level, wooded, rural lot in a subdivision; Approximately 4.1 acres
• Construction: Crawl space foundation; Metal roof
• Exterior features: Deck; Fully fenced yard; Outside storage area; Above-ground pool; Chain link fence; Paved road access

Interior

• Kitchen: Free-standing stove; Dishwasher; Pantry
• Flooring: Vinyl; Tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Mini-split heating and cooling
• Interior features: Washer connection; Electric dryer connection; Gas water heater; Floored attic; Balcony/loft; Ceiling fans; Walk-in shower
• Laundry & utility: Laundry room; Washer connection; Electric dryer connection

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $-154 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $193k (12.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $158k (28.3% below list).
• Recommended offer: $158k (28.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 61/100 on livability (#231 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools F, crime F, amenities F.
• Lonoke School District (town): math 30% / reading 31% proficiency, ranked #146 of 238 in AR (top 61%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 61 active listings in the ZIP; 185 units permitted in Lonoke County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Lonoke County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($213k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $29k (12%) 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→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $157,641 (28.3% 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 55 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is F 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?
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: 0.72% ✗
• Cap rate: 5.46%
• Cash-on-cash: -2.99%
• DSCR: 0.87
• GRM: 11.6

CMA / ARV

• ARV (median comp): $294,857
• List price: $220,000
• Delta: -25.39%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
235 Bradley Ln	0.05mi	4/3.0 (+1)	2,240 (+8%)	2mo	$275,000	$123	74
44 Bradley Ln	0.26mi	4/2.5 (+1)	2,160 (+4%)	23mo	$335,000	$155	56
215 Williamson Blvd	0.72mi	3/2.0	1,900 (-9%)	5mo	$305,000	$161	48

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: -21.3%
• Equity multiple: 0.26×
• Total profit: $-45,482
• Equity at exit: $32,803

10-year hold

• IRR: -15.0%
• Equity multiple: 0.15×
• Total profit: $-52,408
• Equity at exit: $19,022

Cash invested: $61,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 92 Strongly Landlord-Friendly
• State Arkansas: 92 Strongly Landlord-Friendly · R+14
• County: — inherits STATE
• City: — inherits STATE

Only US state where non-payment is criminal. Strongly landlord-favorable; very few tenant protections.

Methodology + full state rankings →

ZIP-level market 72086

• Home prices YoY: -18.4%
• Active inventory: 61
• Price-to-rent: 11.6×

Monthly cashflow live

• Estimated rent: $1,576 medium
• Mortgage (P&I): −$1,154
• Tax from tax record: −$154 /mo · $1,843/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$331
• Net cashflow: $-154

Break-even live

Break-even rent $1,771

Max offer price $192,868

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: $55,000
• Closing costs: $6,600
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-18
   days on market $220,000 Active 55 DOM
2. 2026-06-17
   days on market $220,000 Active 54 DOM
3. 2026-06-16
   days on market $220,000 Active 53 DOM
4. 2026-06-15
   days on market $220,000 Active 52 DOM
5. 2026-06-14
   days on market $220,000 Active 50 DOM
6. 2026-06-13
   days on market $220,000 Active 49 DOM
7. 2026-06-10
   days on market $220,000 Active 47 DOM
8. 2026-06-09
   days on market $220,000 Active 46 DOM
9. 2026-06-08
   days on market $220,000 Active 45 DOM
10. 2026-06-07
    days on market $220,000 Active 44 DOM
11. 2026-06-05
    days on market $220,000 Active 41 DOM
12. 2026-06-03
    days on market $220,000 Active 40 DOM
13. 2026-06-02
    statusdays on market $220,000 Active 39 DOM
14. 2026-06-01
    days on market $220,000 Price Change 38 DOM
15. 2026-05-31
    days on market $220,000 Price Change 37 DOM
16. 2026-05-31
    days on market $220,000 Price Change 36 DOM
17. 2026-05-09
    price $235,000 807-char remark
18. 2026-04-24
    listed $249,000 New Listing 807-char remark
19. 2023-09-18
    soldstatus $220,000
20. 2023-09-12
    soldstatus $220,000 Sold 542-char remark

    Show marketing remark (542 chars)

    Don't miss this unique home, enter through a gated entry into your own private oasis in a park like setting on 4+ acres!!! Schedule your showing today to see this amazing home in the Pleasant Meadows II subdivision in Lonoke! This home features 3 bedrooms, 2 full baths, a large open den with tall ceilings, an open kitchen with a new GAS stove/oven, new dishwasher, granite countertops & lots of storage. The primary bedroom features a walk-in closet, a nice size master bath & a walk out patio to the backyard & pool area.

21. 2023-07-18
    historical Take Backups 542-char remark

    Show marketing remark (542 chars)

    Don't miss this unique home, enter through a gated entry into your own private oasis in a park like setting on 4+ acres!!! Schedule your showing today to see this amazing home in the Pleasant Meadows II subdivision in Lonoke! This home features 3 bedrooms, 2 full baths, a large open den with tall ceilings, an open kitchen with a new GAS stove/oven, new dishwasher, granite countertops & lots of storage. The primary bedroom features a walk-in closet, a nice size master bath & a walk out patio to the backyard & pool area.

22. 2023-06-21
    listed $275,000 New Listing 542-char remark

    Show marketing remark (542 chars)

    Don't miss this unique home, enter through a gated entry into your own private oasis in a park like setting on 4+ acres!!! Schedule your showing today to see this amazing home in the Pleasant Meadows II subdivision in Lonoke! This home features 3 bedrooms, 2 full baths, a large open den with tall ceilings, an open kitchen with a new GAS stove/oven, new dishwasher, granite countertops & lots of storage. The primary bedroom features a walk-in closet, a nice size master bath & a walk out patio to the backyard & pool area.

23. 1996-07-11
    soldstatus $21,000

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

Tax reassessment forecast AR · Resets to sale price

• Current annual tax: $1,843 · $154/mo
• Projected year-2 tax: $1,843 · $154/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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 12% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,917
• − Mortgage interest: −$12,323
• − Property taxes: −$1,843
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,513
• − Management: −$1,513
• − Depreciation: −$6,400
• Taxable loss: −$5,776
• Est. tax savings @ 24.0%: +$1,386
• After-tax cash flow: $-457/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: Lonoke School District
• NCES district ID: 0509060
• Math proficiency: 30% ▼ -10.00%
• Reading proficiency: 31% ▼ -2.00%
• Median HH income: $46,440
• Composite: 26.28/100
• National rank: #7247
• State rank: #146 of 238 in AR

Livability — Jacksonville

• Score: 61/100
• State rank: #231
• US rank: #17378

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 38,437
• Population (ZIP): 12,250

Population outlook (Lonoke County) Hauer SSP2

• Today (2025): 78,072 people
• By 2030: 80,673 · +3.3%
• By 2040: 84,977 · +8.8%
• By 2050: 87,778 · +12.4%
• By 2075: 91,398 · +17.1%
• By 2100: 87,858 · +12.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 10% Hispanic / Latino 6% Two or more races 5%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Lithuanian 1% Portuguese 1% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 5% Other Asian/Pacific 1%

Political lean MEDSL · Lonoke

• 2024 margin: Solid R (+53.7) · D 22.2% · R 75.8% · Other 2.0%
• 2008→2024 swing: -6.2pp toward R · 2008: -47.5pp · 2024: -53.7pp
• All cycles: 2024: R+53.7 2020: R+52.8 2016: R+53.3 2012: R+50.9 2008: R+47.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -44.46%
• Current HPI: 197.6009
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.80%
• F500 in state: 10

Industry mix (Fortune 500 HQ in AR)

Industry	F500 HQs	Revenue
▸Retail	1	$681B
▸Food / Agriculture	1	$53B
▸Retail / Energy	1	$22B
▸Transportation / Logistics	1	$12B
▸Energy	1	$4B

Price history

+947.6% since first listed

8 events — show timeline

• 2026-05-27 Price Changed $220,000 CARMLS
• 2026-05-09 Price Changed $235,000 CARMLS
• 2026-04-24 Listed $249,000 CARMLS
• 2023-09-18 Sold (Public Records) $220,000 Public Records
• 2023-09-12 Sold (MLS) $220,000 CARMLS
• 2023-07-18 Contingent — CARMLS
• 2023-06-21 Listed $275,000 CARMLS
• 1996-07-11 Sold (Public Records) $21,000 Public Records

Property tax history

+4.0%/yr

Latest (2025): $1,843 · +0.0% YoY. Source: county tax records.