436 Maddie Ln · Tiffin, IA 52340

$275,000

4 bd · 3.0 ba · 2,951 sqft · SingleFamily public records · 18 Days on market

Built 2000 6,098 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).

• Cash flow +11.2/30.0
• ARV discount +7.5/15.0
• Schools +6.4/10.0
• Livability +3.8/5.0
• 1% rule +3.6/10.0
• DSCR +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Huge opportunity to flip this house in highly sought after and well-established Tiffin neighborhood. Light filled home with 3 skylights in the vaulted ceiling - priced to sell, and price is based on the condition of the home. You won’t find another deal like this anywhere in Johnson County! Fantastic bones with 1556 sq ft above and 1344 lower level so the sq footage is 2900. Lower level has 1 bedroom with a large family room, two other rooms with no egress and a walk out from 5th bedroom or utility/hobby space. Property sold as-is. Kitchen doesn’t have kitchen sink and appliances may or may not work. Just blocks away from parks, walking trails and schools. Property needs the right owner to come in and give it some love! Water heater new in 2022. Roof, siding, master bedrooms ceiling, all plank flooring new in 2021. Furnace new in 2020. Water softener doesn't work-sold as is. Blank slate yard is ready for its makeover.

Key facts

• 6,098 sq ft lot
• Garage
• Built 2000

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $-103 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $257k (6.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $235k (14.4% below list).
• Recommended offer: $235k (14.4% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.2% in Tiffin — 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 75/100 on livability (#220 in IA, #4,085 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: health & safety D, amenities F, commute F.
• Clear Creek Amana Community School District (rural): math 73% / reading 75% proficiency, ranked #72 of 289 in IA (top 25%) — strong family-tenant draw, lease renewals of 3-5y typical; only 17% free/reduced lunch — higher-income household profile.
• Zoned schools: Tiffin Elementary (math 67% / reading 52%, grade B-, #390 of 616 statewide, top 69%, 400 students, 30% FRL); Clear Creek Amana Middle School (math 76% / reading 76%, grade A, #59 of 246 statewide, top 26%, 640 students, 29% FRL); Clear Creek Amana High School (math 71% / reading 85%, grade A-, #53 of 336 statewide, top 16%, 728 students, 23% FRL).
• Market conditions: 216 active listings in the ZIP; solid renter incomes; 714 units permitted in Johnson County in 2024 (158 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 $8k of value loss. Plan a longer hold.
• Johnson County population projected at +60% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($271k) is reasonable based on typical stale-listing flexibility.
• 4 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.
• Current owner paid $217k; 27% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $235,414 (14.4% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.86% ✗
• Cap rate: 5.84%
• Cash-on-cash: -1.61%
• DSCR: 0.93
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $572,494
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
436 Maddie Ln	0.00mi	4/3.0	2,900 (-2%)	1mo	$225,000	$78	97
432 Rolling Hills Dr	0.19mi	5/3.0 (+1)	2,796 (-5%)	2mo	$543,000	$194	76
623 Ponds Ct	0.24mi	5/3.5 (+1)	2,901 (-2%)	4mo	$462,000	$159	76
1005 Iris Ave	0.26mi	5/3.0 (+1)	2,988 (+1%)	6mo	$590,000	$197	76
1003 Croell Ave	0.28mi	4/3.0	2,785 (-6%)	3mo	$515,000	$185	75
1002 Croell Ave	0.30mi	4/3.0	2,597 (-12%)	4mo	$555,000	$214	63
517 Elizabeth Ln	0.66mi	5/3.0 (+1)	3,040 (+3%)	1mo	$668,000	$220	58
700 Lakeview Ct	0.65mi	4/3.0	3,182 (+8%)	3mo	$925,744	$291	54
707 Rolling Hills Dr	0.40mi	4/3.5	2,593 (-12%)	8mo	$329,900	$127	53
1205 Croell Ave	0.38mi	5/3.5 (+1)	3,296 (+12%)	6mo	$815,000	$247	51
717 E Goldfinch Dr	0.38mi	5/3.5 (+1)	2,556 (-13%)	6mo	$429,990	$168	48
571 Fawn Ave	0.61mi	5/3.0 (+1)	2,532 (-14%)	2mo	$454,900	$180	41

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: -18.9%
• Equity multiple: 0.34×
• Total profit: $-51,076
• Equity at exit: $41,003

10-year hold

• IRR: -11.4%
• Equity multiple: 0.32×
• Total profit: $-52,659
• Equity at exit: $23,777

Cash invested: $77,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Iowa: 83 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; mostly landlord-friendly statewide.

Methodology + full state rankings →

ZIP-level market 52340

• Home prices YoY: -8.8%
• Active inventory: 216
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,354 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$406 /mo · $4,878/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$494
• Net cashflow: $-103

Break-even live

Break-even rent $2,485

Max offer price $256,726

Occupancy floor 99%

Sensitivity live

Price	-10% $52	-5% $-26	+0% $-103	+5% $-181	+10% $-259
Rent	-10% $-289	-5% $-196	+0% $-103	+5% $-10	+10% $83
Rate	-1.0pp $35	-0.5pp $-33	base $-103	+0.5pp $-175	+1.0pp $-247

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-05-06
   status Pending 943-char remark

   Show marketing remark (943 chars)

   Huge opportunity to flip this house in highly sought after and well-established Tiffin neighborhood. Light filled home with 3 skylights in the vaulted ceiling - priced to sell, and price is based on the condition of the home. You won’t find another deal like this anywhere in Johnson County! Fantastic bones with 1556 sq ft above and 1344 lower level so the sq footage is 2900. Lower level has 1 bedroom with a large family room, two other rooms with no egress and a walk out from 5th bedroom or utility/hobby space. Property sold as-is. Kitchen doesn’t have kitchen sink and appliances may or may not work. Just blocks away from parks, walking trails and schools. Property needs the right owner to come in and give it some love! Water heater new in 2022. Roof, siding, master bedrooms ceiling, all plank flooring new in 2021. Furnace new in 2020. Water softener doesn't work-sold as is. Blank slate yard is ready for its makeover.

2. 2026-04-26
   status Pending
3. 2026-04-08
   listed $275,000 Active

   Show marketing remark (943 chars)

   Huge opportunity to flip this house in highly sought after and well-established Tiffin neighborhood. Light filled home with 3 skylights in the vaulted ceiling - priced to sell, and price is based on the condition of the home. You won’t find another deal like this anywhere in Johnson County! Fantastic bones with 1556 sq ft above and 1344 lower level so the sq footage is 2900. Lower level has 1 bedroom with a large family room, two other rooms with no egress and a walk out from 5th bedroom or utility/hobby space. Property sold as-is. Kitchen doesn’t have kitchen sink and appliances may or may not work. Just blocks away from parks, walking trails and schools. Property needs the right owner to come in and give it some love! Water heater new in 2022. Roof, siding, master bedrooms ceiling, all plank flooring new in 2021. Furnace new in 2020. Water softener doesn't work-sold as is. Blank slate yard is ready for its makeover.

4. 2026-04-08
   listed $275,000 Active 943-char remark

   Show marketing remark (943 chars)

   Huge opportunity to flip this house in highly sought after and well-established Tiffin neighborhood. Light filled home with 3 skylights in the vaulted ceiling - priced to sell, and price is based on the condition of the home. You won’t find another deal like this anywhere in Johnson County! Fantastic bones with 1556 sq ft above and 1344 lower level so the sq footage is 2900. Lower level has 1 bedroom with a large family room, two other rooms with no egress and a walk out from 5th bedroom or utility/hobby space. Property sold as-is. Kitchen doesn’t have kitchen sink and appliances may or may not work. Just blocks away from parks, walking trails and schools. Property needs the right owner to come in and give it some love! Water heater new in 2022. Roof, siding, master bedrooms ceiling, all plank flooring new in 2021. Furnace new in 2020. Water softener doesn't work-sold as is. Blank slate yard is ready for its makeover.

5. 2018-01-03
   soldstatus $217,000
6. 2017-11-28
   soldstatus $217,000 563-char remark

   Show marketing remark (563 chars)

   This wonderful 4 bedroom/2 bathroom ranch is too good to pass up! Located near Marengo Rd, you have quick access to Coralville and Iowa City. Enjoy the 3 skylights in the large, main level living area. Lower level is partially finished and features a large rec room, shop area with outside access, and a bonus room. Newer appliances include: Dishwasher (2017), Water heater (2016), and Samsung high efficiency Washer and Dryer (2017). Owner is offering a HSA Home Warranty. All square footage is per Assessor's website, 2 rooms in lower level partially finished.

7. 2017-11-28
   soldstatus $217,000

   Show marketing remark (563 chars)

   This wonderful 4 bedroom/2 bathroom ranch is too good to pass up! Located near Marengo Rd, you have quick access to Coralville and Iowa City. Enjoy the 3 skylights in the large, main level living area. Lower level is partially finished and features a large rec room, shop area with outside access, and a bonus room. Newer appliances include: Dishwasher (2017), Water heater (2016), and Samsung high efficiency Washer and Dryer (2017). Owner is offering a HSA Home Warranty. All square footage is per Assessor's website, 2 rooms in lower level partially finished.

8. 2017-11-20
   price $229,900
9. 2017-06-03
   listed $229,900 563-char remark

   Show marketing remark (563 chars)

   This wonderful 4 bedroom/2 bathroom ranch is too good to pass up! Located near Marengo Rd, you have quick access to Coralville and Iowa City. Enjoy the 3 skylights in the large, main level living area. Lower level is partially finished and features a large rec room, shop area with outside access, and a bonus room. Newer appliances include: Dishwasher (2017), Water heater (2016), and Samsung high efficiency Washer and Dryer (2017). Owner is offering a HSA Home Warranty. All square footage is per Assessor's website, 2 rooms in lower level partially finished.

10. 2017-06-03
    listed $217,000

    Show marketing remark (563 chars)

    This wonderful 4 bedroom/2 bathroom ranch is too good to pass up! Located near Marengo Rd, you have quick access to Coralville and Iowa City. Enjoy the 3 skylights in the large, main level living area. Lower level is partially finished and features a large rec room, shop area with outside access, and a bonus room. Newer appliances include: Dishwasher (2017), Water heater (2016), and Samsung high efficiency Washer and Dryer (2017). Owner is offering a HSA Home Warranty. All square footage is per Assessor's website, 2 rooms in lower level partially finished.

11. 2008-03-14
    soldstatus $162,000
12. 2006-08-17
    soldstatus $161,000

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

Tax reassessment forecast IA · Partial reset (capped growth)

• Current annual tax: $4,878 · $406/mo
• Projected year-2 tax: $4,878 · $406/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 3/10 Moderate 7 d/yr ≥104°F today · 16 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: $28,250
• − Mortgage interest: −$15,404
• − Property taxes: −$4,878
• − Insurance: −$1,375
• − Repairs & maintenance: −$2,260
• − Management: −$2,260
• − Depreciation: −$8,000
• Taxable loss: −$5,928
• Est. tax savings @ 24.0%: +$1,423
• After-tax cash flow: $181/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: Clear Creek Amana Community School District
• NCES district ID: 1907590
• Math proficiency: 73% ▼ -6.00%
• Reading proficiency: 75% ▼ -1.00%
• Median HH income: $62,915
• Composite: 63.92/100
• National rank: #586
• State rank: #72 of 289 in IA

Livability — Tiffin

• Score: 75/100
• State rank: #220
• US rank: #4085

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tiffin, IA
• County: Johnson County · 132,710 people
• City population: 6,128
• Metro: Iowa City, IA
• Population (ZIP): 6,128
• Household income: $98,393
• Rent vs Own: 22.7% rent · 77.3% own
• Severe rent burden: 149.0

Population outlook (Johnson County) Hauer SSP2

• Today (2025): 180,405 people
• By 2030: 200,014 · +10.9%
• By 2040: 241,428 · +33.8%
• By 2050: 288,144 · +59.7%
• By 2075: 420,009 · +132.8%
• By 2100: 546,596 · +203.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Two or more races 7% Black 5% Hispanic / Latino 5% Asian 3%
• Common ancestry: Italian 7% Portuguese 5% Romanian 3%
• Foreign-born: 4% · China, United Kingdom, Canada
• Languages at home: 95% English-only · Chinese 1% Spanish 1% French/Haitian/Cajun 1%

Political lean MEDSL · Johnson

• 2024 margin: Solid D (+38.1) · D 68.4% · R 30.3% · Other 1.3%
• 2008→2024 swing: -3.4pp toward R · 2008: 41.5pp · 2024: 38.1pp
• All cycles: 2024: D+38.1 2020: D+43.2 2016: D+38.3 2012: D+35.4 2008: D+41.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -16.59%
• Current HPI: 172.251
• Rent YoY: —
• Metro: Iowa City, IA
• State GDP YoY: ▲ 2.48%
• F500 in state: 4

Industry mix (Fortune 500 HQ in IA)

Industry	F500 HQs	Revenue
▸Financial Services	1	$16B
▸Retail / Convenience	1	$15B

Price history

+70.8% since first listed

12 events — show timeline

• 2026-05-06 Pending — CRAAR, CDRMLS
• 2026-04-26 Pending — ICAARMLS
• 2026-04-08 Listed $275,000 ICAARMLS
• 2026-04-08 Listed $275,000 CRAAR, CDRMLS
• 2018-01-03 Sold (Public Records) $217,000 Public Records
• 2017-11-28 Sold (MLS) $217,000 ICAARMLS
• 2017-11-28 Sold (MLS) $217,000 CRAAR, CDRMLS
• 2017-11-20 Price Changed $229,900 ICAARMLS
• 2017-06-03 Listed $217,000 ICAARMLS
• 2017-06-03 Listed $229,900 CRAAR, CDRMLS
• 2008-03-14 Sold (Public Records) $162,000 Public Records
• 2006-08-17 Sold (Public Records) $161,000 Public Records

Property tax history

+4.7%/yr

Latest (2025): $4,878 · +3.3% YoY. Source: county tax records.