366 W Taylor Ave · Coolidge, AZ 85128

$160,000

3 bd · 1.0 ba · 875 sqft · SingleFamily public records · 2 Days on market

Built 1974 6,502 sqft lot Est $165k · at est.

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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).

• Cash flow +19.8/30.0
• ARV discount +9.0/15.0
• DSCR +6.3/10.0
• 1% rule +3.9/10.0
• Livability +2.9/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Cute 3 bedroom with large fenced in backyard. Side parking and entry. Completely remodeled in 2004 including Plumming, Tile, Carpet, Wiring, Heating and Cooling, Kitchen, Bath, Roof and much more. Grapefruit and Orange trees in the backyard and Tangelos trees in the front yard. Appliances are less than one year old. Come and take a look!!

Key facts

• Tenant occupied
• Large fenced lot
• 6,502 sq ft lot

Tags

• LARGE FENCED LOT
• TENANT OCCUPIED

Property features AI

Finance

• HOA & community: No association fees

Exterior

• Parking: 2 open parking spaces
• Utilities: Public sewer; Private water company
• Home design: Single family residence; Fee simple ownership
• Construction: Painted block construction; Composition roof
• Exterior features: Chain link fencing; Dirt front and dirt back yard; City-maintained road access; Asphalt road surface

Interior

• Kitchen: Eat-in kitchen
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: High speed internet; Eat-in kitchen; Dual-pane windows
• Laundry & utility: Indoor laundry with washer/dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $190 ($2k/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 $142k (11.0% below list).
• Recommended offer: $142k (11.0% below list) — sets the bar for 1% rule.
• Cap rate 7.7% vs local median 4.5% in Coolidge — 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 57/100 on livability (#235 in AZ) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, amenities F, commute F.
• Coolidge Unified District (4442) (town): math 8% / reading 14% proficiency, ranked #229 of 249 in AZ (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: West Elementary School (math 6% / reading 13%, grade F, #1,037 of 1,109 statewide, top 94%, 733 students, 74% FRL); Coolidge Jr. High School (math 7% / reading 11%, grade F, #200 of 218 statewide, top 93%, 362 students, 80% FRL); Coolidge High School (math 8% / reading 12%, grade F, #343 of 381 statewide, top 93%, 640 students, 68% FRL).
• Market conditions: Rents flat; 272 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 9,504 units permitted in Pinal County in 2024 (776 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 22y 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 $85k; list at $160k implies a 88% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $142,477 (11.0% below list)

Questions for the listing agent

1. Built in 1974 — 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. 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?
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: 0.89% ✗
• Cap rate: 7.72%
• Cash-on-cash: 5.09%
• DSCR: 1.23
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $165,375
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1521 S 4th St	0.11mi	2/1.0 (-1)	897 (+2%)	24mo	$211,000	$235	66
543 W Sunset Ave	0.25mi	2/1.0 (-1)	946 (+8%)	9mo	$165,000	$174	62
871 W Dewey Ave	0.63mi	3/1.0	876 (+0%)	16mo	$206,500	$236	57
875 W Douglas Ave W	0.65mi	2/1.0 (-1)	875 (0%)	18mo	$165,000	$189	50
343 W Lincoln Ave	0.68mi	2/1.0 (-1)	825 (-6%)	6mo	$60,000	$73	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 · 0.97% rent growth · sell at horizon

5-year hold

• IRR: -10.5%
• Equity multiple: 0.63×
• Total profit: $-16,759
• Equity at exit: $23,857

10-year hold

• IRR: -3.9%
• Equity multiple: 0.76×
• Total profit: $-10,583
• Equity at exit: $13,834

Cash invested: $44,800 (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 85128

• Home prices YoY: -7.9%
• Rents YoY: 1.0%
• Active inventory: 272
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,425 high
• Mortgage (P&I): −$839
• Tax from tax record: −$30 /mo · $358/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$299
• Net cashflow: $190

Break-even live

Break-even rent $1,184

Max offer price $160,000

Occupancy floor 82%

Sensitivity live

Price	-10% $281	-5% $235	+0% $190	+5% $145	+10% $99
Rent	-10% $77	-5% $134	+0% $190	+5% $246	+10% $303
Rate	-1.0pp $271	-0.5pp $231	base $190	+0.5pp $149	+1.0pp $106

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
342 W Taylor Ave Coolidge, AZ	3.0	1.5	1008	$1,500	$1.49	45d	1	0.05mi
440 W Taylor Ave Coolidge, AZ	2.0	1.0	992	$1,250	$1.26	17d	1	0.06mi
350 W Spruell Ave Coolidge, AZ	1.0–2.0	1.0–2.0	771	$1,095	$1.42	0d	1	0.12mi
447 W Seagoe Ave Unit A Coolidge, AZ	2.0	1.5	752	$1,000	$1.33	26d	1	0.62mi
393 W Seagoe Ave Unit B Coolidge, AZ	3.0	2.0	1030	$1,250	$1.21	45d	1	0.63mi
144 W Lincoln Ave Coolidge, AZ	3.0	2.0	1125	$1,299	$1.15	5d	1	0.79mi
144 W Lincoln Ave Coolidge, AZ	3.0	2.0	1125	$1,299	$1.15	0d	1	0.79mi
108 Adams St Coolidge, AZ	2.0	1.0	600	$1,000	$1.67	45d	1	1.24mi
143 W Pima Ave Apt 4 Coolidge, AZ	2.0	1.0	650	$895	$1.38	13d	1	1.24mi
143 W Pima Ave Unit 1 Coolidge, AZ	2.0	1.0	650	$895	$1.38	45d	1	1.24mi

Listing history 2 events

1. 2026-06-21
   remarks 311-char remark
2. 2026-06-21
   listed $160,000 Active 2 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 AZ · Resets to sale price

• Current annual tax: $358 · $30/mo
• Projected year-2 tax: $1,056 · $88/mo
• Expected delta: +$698/yr (+$58/mo · 195.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 16% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥113°F today · 20 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: $17,097
• − Mortgage interest: −$8,962
• − Property taxes: −$358
• − Insurance: −$800
• − Repairs & maintenance: −$1,368
• − Management: −$1,368
• − Depreciation: −$4,655
• Taxable loss: −$413
• Est. tax savings @ 24.0%: +$99
• After-tax cash flow: $2,380/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: Coolidge Unified District (4442)
• NCES district ID: 0402320
• Math proficiency: 8% ▼ -6.00%
• Reading proficiency: 14% ▼ -2.00%
• Median HH income: $49,182
• Composite: 10.35/100
• National rank: #9787
• State rank: #229 of 249 in AZ

Livability — Coolidge

• Score: 57/100
• State rank: #235
• US rank: #22344

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Coolidge, AZ
• County: Pinal County · 399,947 people
• City population: 19,487
• Metro: Phoenix-Mesa-Chandler, AZ
• Population (ZIP): 19,487
• Household income: $65,477
• Rent vs Own: 26.0% rent · 74.0% own
• Severe rent burden: 264.0

Population outlook (Pinal County) Hauer SSP2

• Today (2025): 437,574 people
• By 2030: 446,903 · +2.1%
• By 2040: 452,589 · +3.4%
• By 2050: 444,126 · +1.5%
• By 2075: 430,300 · -1.7%
• By 2100: 393,536 · -10.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Hispanic / Latino 52% White 29% Two or more races 22% Native American 17% Black 4%
• Hispanic origin (detail): Mexican 49%
• Common ancestry: Lithuanian 1% Portuguese 1% Serbian 1%
• Foreign-born: 9% · Canada
• Languages at home: 71% English-only · Spanish 25% Other Indo-European 1%

Political lean MEDSL · Pinal

• 2024 margin: Strong R (+22.1) · D 38.5% · R 60.6%
• 2008→2024 swing: -7.6pp toward R · 2008: -14.5pp · 2024: -22.1pp
• All cycles: 2024: R+22.1 2020: R+17.3 2016: R+19.3 2012: R+17.1 2008: R+14.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -23.95%
• Current HPI: 280.3422
• Rent YoY: ▲ 0.97%
• Metro: Phoenix-Mesa-Chandler, AZ
• 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

+113.6% since first listed

12 events — show timeline

• 2026-06-19 Listed $160,000 ARMLS
• 2009-02-02 Listing Removed — ARMLS
• 2008-10-14 Listed $40,500 ARMLS
• 2005-07-25 Sold (Public Records) $84,900 Public Records
• 2005-07-19 Sold (MLS) $84,900 ARMLS
• 2005-06-13 Listing Removed — ARMLS
• 2005-04-21 Listed $84,900 ARMLS
• 2004-05-28 Sold (Public Records) $72,500 Public Records
• 2004-05-28 Sold (Public Records) $72,500 Public Records
• 2004-03-29 Sold (MLS) $72,500 ARMLS
• 2004-03-12 Listing Removed — ARMLS
• 2004-03-04 Listed $74,900 ARMLS

Property tax history

-3.9%/yr

Latest (2025): $358 · +4.7% YoY. Source: county tax records.