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3610 N North Dakota Ave
C Composite 58.34
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 +25.0/30.0
  • ARV discount +9.4/15.0
  • DSCR +8.1/10.0
  • 1% rule +5.7/10.0
  • Livability +3.0/5.0
  • Rent growth +2.8/5.0
  • Condition / age +2.5/5.0
  • Schools +1.8/10.0
  • Appreciation +0.0/10.0

$119,900

3610 N North Dakota Ave · Florence, AZ 85132
2 bd · 2.0 ba · 600 sqft · Manufactured public records · 43 Days on market
Built 1971 5,279 sqft lot $200/sqft · 24% above area Est $125k · at est. $50/mo HOA · 4% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

Key facts

  • Heated pools
  • Fenced yard
  • Screened in az room

Tags

LANDSCAPED WATERING SYSTEMSCREENED IN AZ ROOMFENCED YARDSTORAGE SHEDWASHER AND DRYER LAUNDRY AREAHEATED POOLS

Property features AI

Finance

  • HOA & community: Homeowners association (annual fee includes grounds maintenance); Annual association fee; Community pool; Community spa (heated); Pickleball courts; Golf; Community media room; Biking/walking paths; Fitness center

Exterior

  • Parking: 2 covered spaces; 2 open parking spaces; RV access/parking; Separate storage area; 2-car carport
  • Utilities: City water; Public sewer
  • Home design: Manufactured / mobile home; Fee simple ownership; Asphalt road access
  • Construction: Aluminum siding and wood frame construction; Painted exterior; Metal roof with reflective coating; Building area per builder
  • Exterior features: Screened-in patio(s); Outdoor storage; Partial chain-link fencing; Sprinklers front and rear with auto timer; Desert landscaping front and back; Gravel/stone front and back; City-maintained road

Interior

  • Kitchen: Laminate countertops; Pantry; Refrigerator
  • Bedrooms: Possibly 2 bedrooms
  • Flooring: Laminate flooring; Tile flooring
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Natural gas heating; Heating present; Window/wall air conditioning (see remarks); Cooling present
  • Interior features: High-speed internet; Furnished (see remarks); Pantry; Full bath in primary bedroom; Free-standing gas fireplace (see remarks)
  • Laundry & utility: Laundry area in garage (see remarks)

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath manufactured listed at $120k.

Deal economics

  • At list price, monthly cash flow is $261 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $120k).
  • Recommended offer: $116k (3.0% below list) — sets the bar for market timing.
  • Cap rate 8.9% vs local median 4.2% in Florence — 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 (#187 in AZ) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
  • Florence Unified School District (4437) (rural): math 16% / reading 24% proficiency, ranked #178 of 249 in AZ (top 72%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: Rents rising (+1.3%/yr); 714 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 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 $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

  • It's been on market 43 days — a 3% lower offer ($116k) is reasonable based on typical stale-listing flexibility.
  • 7 sale attempts since 15y 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 $68k; list at $120k implies a 76% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 5→13/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $116,303 (3.0% below list)

Questions for the listing agent

  1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  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. 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
1.07%
Cap rate
8.90%
Cash-on-cash
9.31%
DSCR
1.41
GRM
7.8

CMA / ARV

ARV (median comp)
$125,191
List price
$119,900
Delta
-4.23%
Verdict
FAIR
Comps
11 within 1.0 mi
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3609 N Montana Ave 0.02mi 2/1.0 625 (+4%) 5mo $107,900 $173 84
201 E Maricopa Blvd 0.15mi 2/1.5 631 (+5%) 3mo $110,000 $174 80
418 E Ocotillo Dr 0.26mi 2/1.5 618 (+3%) 8mo $130,000 $210 74

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 · 1.27% rent growth · sell at horizon

5-year hold
IRR
-4.1%
Equity multiple
0.85×
Total profit
$-5,052
Equity at exit
$17,877
10-year hold
IRR
3.6%
Equity multiple
1.24×
Total profit
$8,181
Equity at exit
$10,367

Cash invested: $33,572 (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.

ZIP-level market 85132

Home prices YoY
-5.2%
Rents YoY
1.3%
Active inventory
714
Price-to-rent
7.8×

Monthly cashflow live

Estimated rent
$1,278 medium interval (Pro) →
Mortgage (P&I)
$629
Tax from tax record
$20 /mo · $244/yr
Insurance
$50
HOA
$50
Vacancy / Maint / Mgmt
$268
Net cashflow
$261

Break-even live

Break-even rent $948
Max offer price $119,900
Occupancy floor 75%

Sensitivity live

Price -10% $328 -5% $294 +0% $261 +5% $90 +10% $48
Rent -10% $160 -5% $210 +0% $261 +5% $311 +10% $361
Rate -1.0pp $321 -0.5pp $291 base $261 +0.5pp $229 +1.0pp $198

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
$29,975
Closing costs
$3,597
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 4 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
125 E Gila Dr Florence, AZ 1.0 1.0 400 $900 $2.25 44d 1 0.20mi
3722 N South Dakota Ave Florence, AZ 1.0 1.0 721 $1,100 $1.53 44d 1 0.21mi
216 E Ocotillo Dr Florence, AZ 1.0 1.0 385 $950 $2.47 25d 1 0.23mi
215 E Palo Verde Ln Florence, AZ 1.0 1.0 421 $1,300 $3.09 44d 1 0.27mi

HOA detail

Monthly dues
$50 · $600/yr
Likely covers
water

Listing history 38 events

  1. 2026-06-18
    days on market $119,900 Active 43 DOM
  2. 2026-06-17
    days on market $119,900 Active 42 DOM
  3. 2026-06-16
    days on market $119,900 Active 41 DOM
  4. 2026-06-15
    days on market $119,900 Active 40 DOM
  5. 2026-06-13
    days on market $119,900 Active 38 DOM
  6. 2026-06-13
    days on market $119,900 Active 37 DOM
  7. 2026-06-09
    days on market $119,900 Active 34 DOM
  8. 2026-06-08
    days on market $119,900 Active 33 DOM
  9. 2026-06-07
    days on market $119,900 Active 32 DOM
  10. 2026-06-04
    days on market $119,900 Active 29 DOM
  11. 2026-06-03
    days on market $119,900 Active 28 DOM
  12. 2026-06-02
    days on market $119,900 Active 27 DOM
  13. 2026-06-01
    days on market $119,900 Active 26 DOM
  14. 2026-05-31
    days on market $119,900 Active 25 DOM
  15. 2026-05-06
    listed $119,900 Active 800-char remark
  16. 2019-04-04
    soldstatus $68,000 Closed 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  17. 2019-04-04
    soldstatus $68,000
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  18. 2019-04-03
    status Pending 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  19. 2019-03-29
    historical Under Contract Accepting Backups 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  20. 2019-03-25
    price $74,900 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  21. 2019-02-11
    price $79,900 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  22. 2019-01-17
    price $84,900 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  23. 2019-01-17
    status Active 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  24. 2018-09-24
    price $63,500 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  25. 2018-09-24
    historical 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  26. 2018-05-15
    price $58,000 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  27. 2018-04-29
    listed $60,000 Active 806-char remark
    Show marketing remark (806 chars)

    Seller giving $2000 Paint Credit for Buyer!! Wow! Recently remodeled! Interior has been redone-like new! This single wide offers 2 bedrooms, 2 bathrooms w/ 265 sq ft AZ Room that has all tile flooring! 2 new AC/Wall units, new window coverings, freshly painted kitchen w/new hardware on cabinets,new interior doors, new closet door in guest bedroom,& freshly painted bedroom, complete remodel of the master bedroom w/new barn door, all new flooring,all new walls & ceiling, new light fixtures, fabulous new glass walk-in shower w/granite counter top,new vanity,and new solid wood bedroom exit door leading to AZ Room! Washer, dryer & water heater are in the shed along w/more room for storage space. Fenced side yard in back-great for your pets! Full covered metal carport, 12' x 37'! Show N S

  28. 2015-04-09
    soldstatus $30,885 Closed
    Show marketing remark (264 chars)

    Nice 2 bedroom, 2 bath home with remodeled bathrooms, newer wood laminate floors, new TV,. Fully furnished and ready to go. Metal Roof, caulked and resurfaced in 2015, Screened in porch, wood burning stove, washer and dryer are in the shed long with water heater.

  29. 2015-03-25
    status Pending
    Show marketing remark (264 chars)

    Nice 2 bedroom, 2 bath home with remodeled bathrooms, newer wood laminate floors, new TV,. Fully furnished and ready to go. Metal Roof, caulked and resurfaced in 2015, Screened in porch, wood burning stove, washer and dryer are in the shed long with water heater.

  30. 2015-03-19
    listed $34,500 Active
    Show marketing remark (264 chars)

    Nice 2 bedroom, 2 bath home with remodeled bathrooms, newer wood laminate floors, new TV,. Fully furnished and ready to go. Metal Roof, caulked and resurfaced in 2015, Screened in porch, wood burning stove, washer and dryer are in the shed long with water heater.

  31. 2014-09-30
    historical
  32. 2014-03-04
    status Active
  33. 2014-03-01
    historical
  34. 2013-11-21
    price $39,000
  35. 2013-11-14
    price $39,500
  36. 2012-11-27
    listed $43,000 Active
  37. 2012-01-02
    historical
  38. 2011-04-27
    listed $44,500 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 AZ · Resets to sale price

Current annual tax
$244 · $20/mo
Projected year-2 tax
$791 · $66/mo
Expected delta
+$548/yr (+$46/mo · 224.7%)

ⓘ 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 8/10 Severe 5 d/yr ≥112°F today · 13 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$15,335
− Mortgage interest
−$6,716
− Property taxes
−$244
− Insurance
−$600
− Repairs & maintenance
−$1,227
− Management
−$1,227
− HOA
−$600
− Depreciation
−$3,488
Taxable income
$1,234
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$296
After-tax cash flow
$2,830/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
Florence Unified School District (4437)
NCES district ID
0402920
Math proficiency
16% ▼ -11.00%
Reading proficiency
24% ▼ -7.00%
Median HH income
$54,426
Composite
18.31/100
National rank
#8950
State rank
#178 of 249 in AZ

Livability — Florence

Score
60/100
State rank
#187
US rank
#19483

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Florence, AZ
County
Pinal County · 399,947 people
City population
38,671
Metro
Phoenix-Mesa-Chandler, AZ
Population (ZIP)
38,671
Household income
$79,000
Rent vs Own
13.6% rent · 86.4% own
Severe rent burden
102.0

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 0.56)
Race & ethnicity
White 59% Hispanic / Latino 28% Two or more races 9% Black 7% Native American 3%
Hispanic origin (detail)
Mexican 23%
Common ancestry
Italian 5% Portuguese 2% Romanian 2%
Foreign-born
9% · Canada
Languages at home
79% English-only · Spanish 17% German/W. Germanic 1% Russian/Polish/Slavic 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
▼ -12.75%
Current HPI
233.6644
Rent YoY
▲ 1.27%
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

Price history

+169.4% since first listed
24 events — show timeline
  • 2026-05-06 Listed $119,900 ARMLS
  • 2019-04-04 Sold (Public Records) $68,000 Public Records
  • 2019-04-04 Sold (MLS) $68,000 ARMLS
  • 2019-04-03 Pending ARMLS
  • 2019-03-29 Contingent ARMLS
  • 2019-03-25 Price Changed $74,900 ARMLS
  • 2019-02-11 Price Changed $79,900 ARMLS
  • 2019-01-17 Price Changed $84,900 ARMLS
  • 2019-01-17 Relisted ARMLS
  • 2018-09-24 Listing Removed ARMLS
  • 2018-09-24 Price Changed $63,500 ARMLS
  • 2018-05-15 Price Changed $58,000 ARMLS
  • 2018-04-29 Listed $60,000 ARMLS
  • 2015-04-09 Sold (MLS) $30,885 ARMLS
  • 2015-03-25 Pending ARMLS
  • 2015-03-19 Listed $34,500 ARMLS
  • 2014-09-30 Listing Removed ARMLS
  • 2014-03-04 Relisted ARMLS
  • 2014-03-01 Listing Removed ARMLS
  • 2013-11-21 Price Changed $39,000 ARMLS
  • 2013-11-14 Price Changed $39,500 ARMLS
  • 2012-11-27 Listed $43,000 ARMLS
  • 2012-01-02 Listing Removed ARMLS
  • 2011-04-27 Listed $44,500 ARMLS

Property tax history

+3.2%/yr

Latest (2025): $244 · +2.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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