LOT 65D Destrier St · Ranson, WV 25438

$314,320

3 bd · 2.5 ba · 1,715 sqft · Townhouse · 1 Days on market

Built 2026 Good condition 2,300 sqft lot Est $333k · 6% under $75/mo HOA · 3% of rent

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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 +10.0/15.0
• Appreciation +10.0/10.0
• Cash flow +6.5/30.0
• Condition / age +4.0/5.0
• Schools +3.4/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• 1% rule +1.9/10.0
• DSCR +0.8/10.0

Listing remarks

The to-be-built ARIA floorplan offers one of the best value new construction townhomes in Jefferson County with sizeable backyards, luxury included finishes and stone front exteriors. Madison Greens is a prime location walkable to Potomac Towne Center, right off Rt. 9 a short drive to Frederick, MD and Louden County, VA. The Aria boasts an included finished basement—perfect for a home office, gym, second living area, or fourth bedroom. Upstairs, enjoy an open-concept main level featuring a spacious great room and a gourmet kitchen with a large island, ideal for entertaining or everyday living. The top level includes three bedrooms, including a private owner’s suite with walk-in

Key facts

• Private owners suite
• Walk-in closet
• Gourmet kitchen

Tags

• SIZEABLE BACKYARDS
• FINISHED BASEMENT
• OPEN-CONCEPT MAIN LEVEL
• GOURMET KITCHEN
• PRIVATE OWNERS SUITE
• WALK-IN CLOSET

Property features AI

Finance

• HOA & community: Monthly HOA fee of $75; HOA covers lawn maintenance, trash, and common area maintenance; Community amenities include basketball courts and a tot lot/playground

Exterior

• Parking: Attached front-entry garage with garage door opener and additional storage area; One garage space; Asphalt driveway with two driveway spaces; Total of three garage/parking spaces
• Utilities: Public water; Public sewer; Electric service
• Home design: Interior townhouse/rowhouse; Built by RYAN HOMES (construction not completed); Fee simple ownership; Property in excellent condition
• Construction: Mixed construction materials; Slab foundation
• Exterior features: Level lot with rear yard; Walkout, fully finished basement with front entrance; Above-grade other structures

Interior

• Kitchen: Dishwasher; Disposal; Energy-efficient appliances; Microwave; Electric range/oven; Refrigerator; Stainless steel appliances
• Bedrooms: Three bedrooms on the upper level
• Bathrooms: Two full bathrooms (upper levels); One half bathroom (main level)
• Heating & cooling: Forced air heating (electric); Central air conditioning (electric); Electric hot water
• Interior features: Open floor plan; Kitchen island; Pantry; Recessed lighting; Master bathroom(s); Walk-in closet(s)
• Laundry & utility: Upper floor laundry hookups

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $314k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-534 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $237k (24.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $217k (31.0% below list).
• Recommended offer: $217k (31.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#100 in WV) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, cost of living A-; Watch: amenities F, commute F, health & safety F.
• Jefferson County Schools (rural): math 29% / reading 46% proficiency, ranked #6 of 55 in WV (top 11%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: T A Lowery Elementary School (math 27% / reading 37%, grade F, #191 of 377 statewide, top 56%, 522 students, 0% FRL); Wildwood Middle School (math 15% / reading 40%, grade F, #70 of 109 statewide, top 65%, 425 students, 0% FRL); Jefferson High School (math 30% / reading 62%, grade D-, #9 of 110 statewide, top 7%, 1,444 students, 0% FRL) — zoned schools average 0% FRL vs 33% district-wide (33 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 311 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,162 units permitted in Jefferson County in 2024 (360 in 5+ unit buildings).
• This rent runs 32% of the median local income ($82k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $34k of equity ($2k loan paydown + $31k appreciation (10.0% local appreciation)).
• Jefferson County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$54k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $216,812 (31.0% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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?
6. 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.
7. 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.
8. 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: 0.69% ✗
• Cap rate: 4.25%
• Cash-on-cash: -7.29%
• DSCR: 0.68
• GRM: 12.1

CMA / ARV

• ARV (on-the-fly): $332,710
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1266 Red Clover Ln Lot 144 LANCASTER	0.32mi	3/3.0	1,750 (+2%)	3mo	$339,240	$194	77
1264 Red Clover Ln Lot 145 LANCASTER	0.32mi	3/3.0	1,750 (+2%)	3mo	$305,740	$175	77
1252 Red Clover Ln Lot 151 LANCASTER	0.34mi	3/3.0	1,750 (+2%)	4mo	$330,000	$189	75
308 Presidents Pointe Ave #611	0.64mi	3/2.5	1,731 (+1%)	1mo	$319,990	$185	68
300 Presidents Pointe Ave #609	0.64mi	3/2.5	1,731 (+1%)	1mo	$340,000	$196	68
316 Presidents Pointe Ave #613	0.64mi	3/2.5	1,731 (+1%)	1mo	$344,990	$199	68
304 Presidents Pointe Ave #610	0.64mi	3/2.5	1,731 (+1%)	2mo	$319,990	$185	67
312 Presidents Pointe Ave #612	0.64mi	3/2.5	1,731 (+1%)	2mo	$329,990	$191	67
54 Coolidge Ave	0.69mi	3/2.5	1,745 (+2%)	3mo	$330,000	$189	63
90 Peter Rabbit Dr	0.68mi	3/2.0	1,692 (-1%)	3mo	$377,500	$223	62
411 17th Unit HARRIETT LOT 164	0.42mi	3/2.5	1,506 (-12%)	1mo	$312,240	$207	59
658 Thumper Dr	0.61mi	3/2.5	1,504 (-12%)	0mo	$295,000	$196	51

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: 19.1%
• Equity multiple: 2.56×
• Total profit: $137,231
• Equity at exit: $283,164

10-year hold

• IRR: 17.7%
• Equity multiple: 5.90×
• Total profit: $431,044
• Equity at exit: $610,655

Cash invested: $88,010 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State West Virginia: 83 Strongly Landlord-Friendly · R+22
• County: — inherits STATE
• City: — inherits STATE

Landlord-favorable; preempted; minimal protections.

Methodology + full state rankings →

ZIP-level market 25438

• Home prices YoY: 10.3%
• Active inventory: 311
• Price-to-rent: 12.1×

Monthly cashflow live

• Estimated rent: $2,168 high
• Mortgage (P&I): −$1,648
• Tax est. 1.5%: −$393 /mo · $4,715/yr
• Insurance: −$131
• HOA: −$75
• Vacancy / Maint / Mgmt: −$455
• Net cashflow: $-534

Break-even live

Break-even rent $2,845

Max offer price $236,994

Occupancy floor —

Sensitivity live

Price	-10% $-317	-5% $-426	+0% $-534	+5% $-643	+10% $-752
Rent	-10% $-706	-5% $-620	+0% $-534	+5% $-449	+10% $-363
Rate	-1.0pp $-376	-0.5pp $-454	base $-534	+0.5pp $-616	+1.0pp $-699

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: $78,580
• Closing costs: $9,430
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1344 Red Clover Ln Ranson, WV	3.0	2.5	1723	$2,099	$1.22	13d	1	0.25mi
452 18th Ave Ranson, WV	3.0	2.5	1726	$1,995	$1.16	5d	1	0.29mi
1308 Cedar Valley Rd Unit 1308 Ranson, WV	2.0	4.0	1333	$1,899	$1.42	25d	1	0.33mi
405 17th Ave Ranson, WV	3.0	2.5	1725	$2,150	$1.25	5d	1	0.39mi
415 17th Ave Ranson, WV	3.0	2.5	1521	$1,990	$1.31	25d	1	0.39mi
1247 Mare St Ranson, WV	3.0	2.5	1985	$2,080	$1.05	25d	1	0.50mi
1130 Stallion St Ranson, WV	3.0	2.5	1648	$1,900	$1.15	5d	1	0.56mi
112 Cecily Way Unit 112 Ranson, WV	3.0	4.0	1905	$2,100	$1.10	5d	1	0.60mi
214 Coolidge Ave Ranson, WV	2.0	2.5	1387	$1,925	$1.39	19d	1	0.60mi
36 Anthem St Ranson, WV	2.0	2.5	1397	$1,800	$1.29	25d	1	0.64mi
300 Presidents Pointe Ave Ranson, WV	3.0	2.5	1731	$2,200	$1.27	19d	1	0.65mi
51 Cecily Way Ranson, WV	3.0	2.5	1998	$2,000	$1.00	13d	1	0.66mi
163 Anthem St Ranson, WV	2.0	2.5	1386	$2,500	$1.80	5d	1	0.67mi
99 Anthem St Ranson, WV	2.0	2.5	1387	$2,000	$1.44	25d	1	0.67mi
34 Coolidge Ave Ranson, WV	2.0	2.5	1397	$1,850	$1.32	2d	1	0.70mi
495 National St Ranson, WV	2.0	2.5	1330	$1,850	$1.39	25d	1	0.77mi
406 Freeman St Ranson, WV	3.0	2.5	1906	$2,600	$1.36	3d	1	0.85mi
35 Short Branch Dr Ranson, WV	3.0	2.5	1940	$2,200	$1.13	4d	1	1.20mi
271 Swan Field Ave Charles Town, WV	3.0	2.5	1786	$2,100	$1.18	4d	1	1.49mi

HOA detail

• Monthly dues: $75 · $900/yr
• Likely covers: gym

Listing history 1 events

1. 2026-05-23
   listed $314,320 Active

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

Taxation est. · year 1

• Rental income: $26,017
• − Mortgage interest: −$17,607
• − Property taxes: −$4,715
• − Insurance: −$1,572
• − Repairs & maintenance: −$2,081
• − Management: −$2,081
• − HOA: −$900
• − Depreciation: −$9,144
• Taxable loss: −$12,082
• Est. tax savings @ 24.0%: +$2,900
• After-tax cash flow: $-3,513/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.

Condition & rehab AI · 8 photos

Good 80/100 None rehab

This modern townhouse is in excellent condition with a good condition score of 80. It features a spacious kitchen, hardwood flooring, and neutral paint. The property is located in a prime location with easy access to amenities. The home is move-in ready and has the potential for further value increases with minor updates.

Value-add opportunities

• Both Painting the exterior — Enhances curb appeal and can increase both resale and rental value.
• Both Landscaping the front yard — Improves curb appeal and can increase both resale and rental value.
• Both Adding a smart home system — Enhances convenience and can increase both resale and rental value.
• Both Upgrading the kitchen appliances — Modernizes the kitchen and can increase both resale and rental value.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior — Enhances curb appeal and can increase both resale and rental value. ↑
• Both Landscaping the front yard — Improves curb appeal and can increase both resale and rental value. ↑
• Both Adding a smart home system — Enhances convenience and can increase both resale and rental value. ↑
• Both Upgrading the kitchen appliances — Modernizes the kitchen and can increase both resale and rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Jefferson County Schools
• NCES district ID: 5400570
• Math proficiency: 29% ▼ -13.00%
• Reading proficiency: 46% ▼ -7.00%
• Median HH income: $67,038
• Composite: 33.98/100
• National rank: #5322
• State rank: #6 of 55 in WV

Livability — Ranson

• Score: 66/100
• State rank: #100
• US rank: #11255

Category grades

Amenities F Commute F Cost of living A- 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: Ranson, WV
• County: Jefferson County · 28,403 people
• City population: 7,330
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• Population (ZIP): 7,330
• Household income: $81,875
• Rent vs Own: 27.2% rent · 72.8% own
• Severe rent burden: 90.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 61,715 people
• By 2030: 64,052 · +3.8%
• By 2040: 67,713 · +9.7%
• By 2050: 69,843 · +13.2%
• By 2075: 72,679 · +17.8%
• By 2100: 71,872 · +16.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Hispanic / Latino 14% Two or more races 7% Black 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 4%
• Common ancestry: Serbian 4% Italian 2% Romanian 2%
• Foreign-born: 7% · Canada, Philippines
• Languages at home: 87% English-only · Spanish 9% Other Asian/Pacific 3%

Political lean MEDSL · Jefferson

• 2024 margin: R (+15.8) · D 41.0% · R 56.8% · Other 2.1%
• 2008→2024 swing: -20.6pp toward R · 2008: 4.8pp · 2024: -15.8pp
• All cycles: 2024: R+15.8 2020: R+10.5 2016: R+15.3 2012: R+4.0 2008: D+4.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 32.87%
• Current HPI: 352.707
• Rent YoY: —
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-05-23 Listed $314,320 BRIGHT MLS