1312 W Harbour · Lincoln, NE 68522

$75,900

3 bd · 2.0 ba · 1,056 sqft · SingleFamily · 594 Days on market

Built 2024 Good condition $72/sqft · 60% above area ↓ 6% since listing

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.4/10.0
• Livability +4.2/5.0
• Condition / age +4.0/5.0
• Rent growth +3.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Your Fall Begins Here! Brand New 3 Bedroom 2 Bathroom Home with Samsung Appliances This never lived in home is move in ready and built for comfort and style. The open layout is bright and inviting with a modern kitchen that features Samsung appliances upgraded cabinetry and sleek finishes. The main suite includes a walk in closet and private bathroom. Two additional bedrooms provide flexible space for guests work or study. Energy efficient design and quality finishes make this home easy to enjoy year round. Located in a well maintained community close to shopping dining and local amenities this home will not last. Fall is the perfect time to make your move. Schedule your tour today before this home is gone.

Key facts

• Built 2024
• Listed 593 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $76k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $657 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $76k).
• Recommended offer: $67k (12.0% below list) — sets the bar for market timing.
• Cap rate 16.7% vs local median 3.0% in Lincoln — 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 85/100 on livability (#5 in NE, #545 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, cost of living A+, housing A+; Watch: crime D+.
• Lincoln Public Schools (urban): math 50% / reading 53% proficiency, ranked #59 of 111 in NE (top 53%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+2.4%/yr); 90 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,940 units permitted in Lancaster County in 2024 (895 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $525 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Lancaster County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.4% rent growth), your $21k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 594 days — a 12% lower offer ($67k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y ago; this cycle's ask has dropped $5k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $66,792 (12.0% below list)

Questions for the listing agent

1. It's been on market 594 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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. 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: 1.97% ✓
• Cap rate: 16.68%
• Cash-on-cash: 37.11%
• DSCR: 2.65
• GRM: 4.2

CMA / ARV

• ARV (median comp): $47,500
• List price: $75,900
• Delta: 59.79%
• Verdict: OVERPRICED
• Comps: 4 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
835 W Sumner St	0.41mi	3/1.0	1,088 (+3%)	2mo	$225,000	$207	70
2420 SW 17th St	0.44mi	3/2.0	1,126 (+7%)	3mo	$283,000	$251	66
2220 SW 17 St	0.35mi	3/2.0	1,208 (+14%)	1mo	$206,000	$171	59
2323 SW 17th St	0.41mi	3/2.0	922 (-13%)	1mo	$257,000	$279	59
2400 SW 14th St	0.34mi	3/1.5	956 (-10%)	10mo	$250,000	$262	58
806 W Sumner St	0.46mi	3/2.0	1,014 (-4%)	19mo	$219,500	$216	56
1716 W Arlington St	0.33mi	3/1.0	988 (-6%)	18mo	$209,000	$212	54
1621 SW 13th Street Circle	0.16mi	3/1.5	1,210 (+15%)	14mo	$245,000	$202	54
2100 W Cove Ct	0.64mi	3/1.5	1,008 (-4%)	15mo	$186,000	$185	48
1824 SW 22 St	0.53mi	3/3.0	1,160 (+10%)	15mo	$279,500	$241	42
2201 W Plum St	0.60mi	3/2.5	1,160 (+10%)	18mo	$277,000	$239	38
701 W A St	0.66mi	2/1.0 (-1)	960 (-9%)	14mo	$190,000	$198	33

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 · 2.38% rent growth · sell at horizon

5-year hold

• IRR: 32.3%
• Equity multiple: 2.35×
• Total profit: $28,656
• Equity at exit: $11,317

10-year hold

• IRR: 39.0%
• Equity multiple: 4.54×
• Total profit: $75,188
• Equity at exit: $6,562

Cash invested: $21,252 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Nebraska: 83 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempted; moderate court pace.

Methodology + full state rankings →

ZIP-level market 68522

• Home prices YoY: -31.6%
• Rents YoY: 2.4%
• Active inventory: 90
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,496 high
• Mortgage (P&I): −$398
• Tax est. 1.5%: −$95 /mo · $1,138/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$314
• Net cashflow: $657

Break-even live

Break-even rent $664

Max offer price $75,900

Occupancy floor 51%

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: $18,975
• Closing costs: $2,277
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1915 SW 12th St Unit 128 Lincoln, NE	2.0	1.0	728	$1,429	$1.96	43d	1	0.05mi
1309 W Plum St #73 Lincoln, NE	3.0	2.0	1088	$1,679	$1.54	43d	1	0.13mi
705 Folsom Ln Lincoln, NE	1.0–3.0	1.0–2.5	1173	$2,105	$1.79	13d	16	0.46mi
1101 W C St Lincoln, NE	1.0–3.0	1.0	1045	$1,385	$1.33	13d	9	0.49mi
1500 S Folsom St Unit 6 Lincoln, NE	2.0	1.0	766	$975	$1.27	21d	1	0.65mi
1500 S Folsom St Unit 8 Lincoln, NE	2.0	1.0	766	$950	$1.24	21d	1	0.65mi
1500 S Folsom St Unit 4 Lincoln, NE	2.0	1.0	766	$975	$1.27	43d	1	0.65mi
760 W C St Lincoln, NE	1.0–3.0	1.0–2.0	1018	$1,419	$1.39	13d	8	0.67mi
2960 S Coddington Ave Lincoln, NE	1.0–2.0	1.0	798	$1,419	$1.78	13d	10	0.83mi
1170 SW 27th St Lincoln, NE	2.0–3.0	2.0	1022	$1,349	$1.32	13d	12	1.05mi
1708 S 6th St Unit 2 Lincoln, NE	4.0	2.0	1444	$1,800	$1.25	13d	1	1.48mi

Listing history 20 events

1. 2026-06-18
   days on market $75,900 Active 594 DOM
2. 2026-06-17
   days on market $75,900 Active 593 DOM
3. 2026-06-16
   days on market $75,900 Active 592 DOM
4. 2026-06-15
   days on market $75,900 Active 591 DOM
5. 2026-06-14
   days on market $75,900 Active 589 DOM
6. 2026-06-10
   days on market $75,900 Active 586 DOM
7. 2026-06-09
   days on market $75,900 Active 585 DOM
8. 2026-06-08
   days on market $75,900 Active 584 DOM
9. 2026-06-07
   days on market $75,900 Active 583 DOM
10. 2026-06-05
    days on market $75,900 Active 580 DOM
11. 2026-06-03
    days on market $75,900 Active 579 DOM
12. 2026-06-02
    days on market $75,900 Active 578 DOM
13. 2026-05-31
    days on market $75,900 Active 576 DOM
14. 2026-05-30
    days on market $75,900 Active 575 DOM
15. 2025-10-31
    status Active 718-char remark

    Show marketing remark (718 chars)

    Your Fall Begins Here! Brand New 3 Bedroom 2 Bathroom Home with Samsung Appliances This never lived in home is move in ready and built for comfort and style. The open layout is bright and inviting with a modern kitchen that features Samsung appliances upgraded cabinetry and sleek finishes. The main suite includes a walk in closet and private bathroom. Two additional bedrooms provide flexible space for guests work or study. Energy efficient design and quality finishes make this home easy to enjoy year round. Located in a well maintained community close to shopping dining and local amenities this home will not last. Fall is the perfect time to make your move. Schedule your tour today before this home is gone.

16. 2025-10-31
    historical 718-char remark

    Show marketing remark (718 chars)

    Your Fall Begins Here! Brand New 3 Bedroom 2 Bathroom Home with Samsung Appliances This never lived in home is move in ready and built for comfort and style. The open layout is bright and inviting with a modern kitchen that features Samsung appliances upgraded cabinetry and sleek finishes. The main suite includes a walk in closet and private bathroom. Two additional bedrooms provide flexible space for guests work or study. Energy efficient design and quality finishes make this home easy to enjoy year round. Located in a well maintained community close to shopping dining and local amenities this home will not last. Fall is the perfect time to make your move. Schedule your tour today before this home is gone.

17. 2025-04-10
    price $75,900 718-char remark

    Show marketing remark (718 chars)

    Your Fall Begins Here! Brand New 3 Bedroom 2 Bathroom Home with Samsung Appliances This never lived in home is move in ready and built for comfort and style. The open layout is bright and inviting with a modern kitchen that features Samsung appliances upgraded cabinetry and sleek finishes. The main suite includes a walk in closet and private bathroom. Two additional bedrooms provide flexible space for guests work or study. Energy efficient design and quality finishes make this home easy to enjoy year round. Located in a well maintained community close to shopping dining and local amenities this home will not last. Fall is the perfect time to make your move. Schedule your tour today before this home is gone.

18. 2024-12-18
    status Active 718-char remark

    Show marketing remark (718 chars)

    Your Fall Begins Here! Brand New 3 Bedroom 2 Bathroom Home with Samsung Appliances This never lived in home is move in ready and built for comfort and style. The open layout is bright and inviting with a modern kitchen that features Samsung appliances upgraded cabinetry and sleek finishes. The main suite includes a walk in closet and private bathroom. Two additional bedrooms provide flexible space for guests work or study. Energy efficient design and quality finishes make this home easy to enjoy year round. Located in a well maintained community close to shopping dining and local amenities this home will not last. Fall is the perfect time to make your move. Schedule your tour today before this home is gone.

19. 2024-12-12
    historical 718-char remark

    Show marketing remark (718 chars)

    Your Fall Begins Here! Brand New 3 Bedroom 2 Bathroom Home with Samsung Appliances This never lived in home is move in ready and built for comfort and style. The open layout is bright and inviting with a modern kitchen that features Samsung appliances upgraded cabinetry and sleek finishes. The main suite includes a walk in closet and private bathroom. Two additional bedrooms provide flexible space for guests work or study. Energy efficient design and quality finishes make this home easy to enjoy year round. Located in a well maintained community close to shopping dining and local amenities this home will not last. Fall is the perfect time to make your move. Schedule your tour today before this home is gone.

20. 2024-10-25
    listed $80,900 Active 718-char remark

    Show marketing remark (718 chars)

    Your Fall Begins Here! Brand New 3 Bedroom 2 Bathroom Home with Samsung Appliances This never lived in home is move in ready and built for comfort and style. The open layout is bright and inviting with a modern kitchen that features Samsung appliances upgraded cabinetry and sleek finishes. The main suite includes a walk in closet and private bathroom. Two additional bedrooms provide flexible space for guests work or study. Energy efficient design and quality finishes make this home easy to enjoy year round. Located in a well maintained community close to shopping dining and local amenities this home will not last. Fall is the perfect time to make your move. Schedule your tour today before this home is gone.

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥104°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,951
• − Mortgage interest: −$4,252
• − Property taxes: −$1,138
• − Insurance: −$380
• − Repairs & maintenance: −$1,436
• − Management: −$1,436
• − Depreciation: −$2,208
• Taxable income: $7,101
• Est. tax owed @ 24.0%: −$1,704
• After-tax cash flow: $6,183/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 · 12 photos

Good 80/100 None rehab

This move-in ready home features a modern kitchen, two bathrooms, and a well-maintained exterior. It's located in a well-maintained community and is ready for immediate occupancy.

Value-add opportunities

• Both Painting — Neutral paint can be refreshed to enhance curb appeal and interior aesthetics
• Both Lighting — Adding modern lighting fixtures can improve the ambiance and increase the home's value
• Both Decor — Adding decorative elements can make the home more inviting and increase its appeal

Renovation cost estimate screening

Value-add ROI direction

• Both Painting — Neutral paint can be refreshed to enhance curb appeal and interior aesthetics ↑
• Both Lighting — Adding modern lighting fixtures can improve the ambiance and increase the home's value ↑
• Both Decor — Adding decorative elements can make the home more inviting and increase its appeal ↑

ⓘ 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: Lincoln Public Schools
• NCES district ID: 3172840
• Math proficiency: 50% ▼ -6.00%
• Reading proficiency: 53% ▼ -3.00%
• Median HH income: $50,273
• Composite: 44.05/100
• National rank: #2880
• State rank: #59 of 111 in NE

Livability — Lincoln

• Score: 85/100
• State rank: #5
• US rank: #545

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lincoln, NE
• County: Lancaster County · 291,509 people
• City population: 291,509
• Metro: Lincoln, NE
• Population (ZIP): 14,836
• Household income: $77,597
• Rent vs Own: 27.9% rent · 72.1% own
• Severe rent burden: 366.0

Population outlook (Lancaster County) Hauer SSP2

• Today (2025): 352,806 people
• By 2030: 377,899 · +7.1%
• By 2040: 428,582 · +21.5%
• By 2050: 483,103 · +36.9%
• By 2075: 632,390 · +79.2%
• By 2100: 759,513 · +115.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 9% Two or more races 8% Black 8% Asian 3%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Arab 4% Italian 2% Romanian 2%
• Foreign-born: 11% · Canada, Philippines, Vietnam
• Languages at home: 85% English-only · Spanish 5% Other Indo-European 4% Other Asian/Pacific 2%

Political lean MEDSL · Lancaster

• 2024 margin: Toss-up / Even · D 51.4% · R 47.1% · Other 1.5%
• 2008→2024 swing: -0.7pp no change · 2008: 5.0pp · 2024: 4.3pp
• All cycles: 2024: D+4.3 2020: D+7.8 2016: D+0.1 2012: R+1.0 2008: D+5.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -114.49%
• Current HPI: 247.8809
• Rent YoY: ▲ 2.38%
• Metro: Lincoln, NE
• State GDP YoY: ▲ 0.68%
• F500 in state: 2

Industry mix (Fortune 500 HQ in NE)

Industry	F500 HQs	Revenue
▸Conglomerate	1	$371B

Price history

-6.2% since first listed

6 events — show timeline

• 2025-10-31 Relisted — Zillow
• 2025-10-31 Delisted — Zillow
• 2025-04-10 Price Changed $75,900 Zillow
• 2024-12-18 Relisted — Zillow
• 2024-12-12 Delisted — Zillow
• 2024-10-25 Listed $80,900 Zillow