4411 E Pueblo Ave · Phoenix, AZ 85040

$144,000

2 bd · 2.0 ba · 1,090 sqft · Townhouse public records · 12 Days on market

Built 1984 962 sqft lot Est $184k · 22% under $290/mo HOA · 19% of rent

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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 +15.0/30.0
• ARV discount +15.0/15.0
• 1% rule +5.4/10.0
• DSCR +4.6/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Earn 14%!!!! This is a well maintained rental with long term stable tenants who want to stay. Currently paying $600 per month. DO NOT DISTURB TENANT. Seller holds an Arizona Real Estate License. Owner has never lived in property no disclosures.

Key facts

• $290 HOA
• 2 parking spots
• Community pool

Property features AI

Finance

• Other: Tax information available (not included per instructions)
• HOA & community: Community pool; Association fee $290.50 monthly; HOA covers roof repair, sewer, trash and water

Exterior

• Parking: 2 open parking spaces
• Utilities: City water; Public sewer
• Home design: Townhouse (attached property); Fee simple ownership
• Construction: Stucco and wood frame construction; Foam roof
• Exterior features: Block fencing; Dirt backyard

Interior

• Kitchen: Laminate counters; Eat-in kitchen; Refrigerator
• Bedrooms: 2 possible bedrooms
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: Eat-in kitchen; Laminate counters; Refrigerator included; Laundry details: see remarks
• Laundry & utility: See remarks for laundry; Washer/dryer information not specified

🏷️ Possibly a rental listed for sale. The $144,000 price doesn't fit this home's estimated sale value (~$184,210) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath townhouse listed at $144k.

Deal economics

• At list price, monthly cash flow is $44 ($523/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $144k).
• Cap rate 6.7% vs local median 3.3% in Phoenix — 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 (#16 in AZ, #3,924 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: health & safety C-, crime F.
• Tempe School District (4258) (urban): math 17% / reading 29% proficiency, ranked #170 of 249 in AZ (top 68%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Holdeman Elementary School (math 4% / reading 18%, grade F, #980 of 1,109 statewide, top 89%, 388 students, 88% FRL); Geneva Epps Mosley Middle School (math 6% / reading 14%, grade F, #188 of 218 statewide, top 88%, 755 students, 72% FRL); Tempe High School (math 13% / reading 19%, grade F, #258 of 381 statewide, top 68%, 1,584 students, 51% FRL).
• Market conditions: Rents soft (-1.2%/yr); 134 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); 36,011 units permitted in Maricopa County in 2024 (12,801 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $996 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Maricopa County population projected at +38% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 20y 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 $26k; list at $144k implies a 454% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $144,000

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Crime grade is F 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?
4. 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.
5. 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.
6. 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: 1.04% ✓
• Cap rate: 6.66%
• Cash-on-cash: 1.30%
• DSCR: 1.06
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $184,210
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4424 E Pueblo Ave	0.03mi	2/1.5	1,090 (0%)	5mo	$127,000	$117	92
4401 E Wood St	0.05mi	2/1.5	1,090 (0%)	5mo	$110,000	$101	91
4412 E Riverside St	0.12mi	2/1.5	1,090 (0%)	3mo	$205,000	$188	90
4510 E Wood St	0.20mi	3/1.0 (+1)	1,008 (-8%)	4mo	$170,000	$169	66
4602 E Broadway Rd	0.25mi	3/1.5 (+1)	1,008 (-8%)	4mo	$209,000	$207	65
4523 E Wood St	0.21mi	3/1.0 (+1)	1,008 (-8%)	4mo	$145,000	$144	65
4608 E Riverside St	0.29mi	3/1.0 (+1)	1,008 (-8%)	3mo	$180,000	$179	62
4015 S 44th St	0.17mi	2/1.5	927 (-15%)	4mo	$170,000	$183	62
4012 S 45th St	0.22mi	3/1.0 (+1)	1,008 (-8%)	8mo	$145,000	$144	62
4529 E Riverside St	0.24mi	3/1.0 (+1)	1,008 (-8%)	8mo	$105,000	$104	60
4614 E Pueblo Ave	0.28mi	3/1.5 (+1)	1,008 (-8%)	9mo	$185,000	$184	60
4017 S 45th St	0.23mi	3/1.0 (+1)	1,008 (-8%)	15mo	$150,000	$149	56

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -18.1%
• Equity multiple: 0.38×
• Total profit: $-24,821
• Equity at exit: $21,471

10-year hold

• IRR: -18.8%
• Equity multiple: 0.14×
• Total profit: $-34,490
• Equity at exit: $12,450

Cash invested: $40,320 (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 85040

• Home prices YoY: -28.4%
• Rents YoY: -1.2%
• Active inventory: 134
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,491 high
• Mortgage (P&I): −$755
• Tax from tax record: −$29 /mo · $353/yr
• Insurance: −$60
• HOA: −$290
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $44

Break-even live

Break-even rent $1,436

Max offer price $144,000

Occupancy floor 92%

Sensitivity live

Price	-10% $125	-5% $84	+0% $44	+5% $3	+10% $-38
Rent	-10% $-74	-5% $-15	+0% $44	+5% $102	+10% $161
Rate	-1.0pp $116	-0.5pp $80	base $44	+0.5pp $6	+1.0pp $-32

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: $36,000
• Closing costs: $4,320
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4410 E Pueblo Ave Phoenix, AZ	2.0	1.0	792	$1,400	$1.77	0d	1	0.04mi
4441 E Wood St Phoenix, AZ	3.0	1.5	1008	$1,295	$1.28	14d	1	0.05mi
4420 E Wood St Phoenix, AZ	2.0	1.5	1016	$1,300	$1.28	0d	1	0.05mi
4014 S 44th Way Phoenix, AZ	3.0	1.5	1100	$1,595	$1.45	3d	1	0.16mi
4006 S 44th St Phoenix, AZ	3.0	1.5	1090	$1,195	$1.10	16d	1	0.16mi
4514 E Riverside St Phoenix, AZ	2.0	1.0	1008	$995	$0.99	0d	1	0.19mi
4035 S 45th Pl Phoenix, AZ	2.0	1.0	792	$1,300	$1.64	0d	1	0.22mi
4615 E Jones Ave Phoenix, AZ	3.0	1.0	1008	$1,400	$1.39	0d	1	0.28mi
2150 W Alameda Dr Tempe, AZ	2.0	2.5	1155	$1,899	$1.64	23d	1	0.86mi
4163 E Pecan Rd Phoenix, AZ	3.0	2.0	1182	$1,999	$1.69	16d	1	0.94mi
4005 E La Salle St Phoenix, AZ	3.0	2.0	1149	$1,859	$1.62	21d	1	0.94mi
4312 E Burgess Ln Phoenix, AZ	3.0	2.0	1025	$1,675	$1.63	0d	1	1.24mi
4328 E Saint Catherine Ave Phoenix, AZ	3.0	2.0	1272	$2,000	$1.57	0d	1	1.32mi
2100 S Priest Dr Unit 1386547P Tempe, AZ	2.0–3.0	2.0	973	$2,196	$2.26	6d	2	1.38mi
2520 S Plaza Dr Tempe, AZ	3.0	1.0–2.0	950	$1,850	$1.95	0d	20	1.47mi
2520 S Plaza Dr Tempe, AZ	3.0	1.0–2.0	950	$1,901	$2.00	12d	19	1.47mi

HOA detail

• Monthly dues: $290 · $3,480/yr

Listing history 21 events

1. 2026-06-10
   status $144,000 Pending 12 DOM
2. 2026-06-09
   days on market $144,000 Active 12 DOM
3. 2026-06-08
   days on market $144,000 Active 11 DOM
4. 2026-06-07
   days on market $144,000 Active 10 DOM
5. 2026-06-04
   days on market $144,000 Active 7 DOM
6. 2026-06-03
   days on market $144,000 Active 6 DOM
7. 2026-06-02
   days on market $144,000 Active 5 DOM
8. 2026-06-01
   days on market $144,000 Active 4 DOM
9. 2026-05-31
   days on market $144,000 Active 3 DOM
10. 2026-05-27
    listed $144,000 Active
11. 2012-01-31
    soldstatus $26,000 Closed 245-char remark

    Show marketing remark (245 chars)

    Earn 14%!!!! This is a well maintained rental with long term stable tenants who want to stay. Currently paying $600 per month. DO NOT DISTURB TENANT. Seller holds an Arizona Real Estate License. Owner has never lived in property no disclosures.

12. 2012-01-31
    soldstatus $26,000

    Show marketing remark (245 chars)

    Earn 14%!!!! This is a well maintained rental with long term stable tenants who want to stay. Currently paying $600 per month. DO NOT DISTURB TENANT. Seller holds an Arizona Real Estate License. Owner has never lived in property no disclosures.

13. 2012-01-27
    status Pending 245-char remark

    Show marketing remark (245 chars)

    Earn 14%!!!! This is a well maintained rental with long term stable tenants who want to stay. Currently paying $600 per month. DO NOT DISTURB TENANT. Seller holds an Arizona Real Estate License. Owner has never lived in property no disclosures.

14. 2011-12-07
    price $29,900 245-char remark

    Show marketing remark (245 chars)

    Earn 14%!!!! This is a well maintained rental with long term stable tenants who want to stay. Currently paying $600 per month. DO NOT DISTURB TENANT. Seller holds an Arizona Real Estate License. Owner has never lived in property no disclosures.

15. 2011-11-15
    listed $32,900 Active 245-char remark

    Show marketing remark (245 chars)

    Earn 14%!!!! This is a well maintained rental with long term stable tenants who want to stay. Currently paying $600 per month. DO NOT DISTURB TENANT. Seller holds an Arizona Real Estate License. Owner has never lived in property no disclosures.

16. 2006-08-04
    soldstatus $109,000 548-char remark

    Show marketing remark (548 chars)

    Entire complex has recently undergone $8.5 million renovation. Fresh remodel. Unit has been remodeled with new cabinets, countertops, light fixtures, AC, new roof, bathrooms, carpet, tile, new appliances, bath vanity, paint, blinds, fixtures, roof, exterior stucco/paint.. Close to ASU, Freeways, Downtown Phoenix & Sky Harbor Airport. No SPDS as seller has never occupied and no CLUE due to unavailability. It looks great and is move-in ready!!! ***Please include LSR with all offers.*** Show it! Write an offer!! *** Camelback Title Preferred

17. 2006-07-25
    listed $109,000 548-char remark

    Show marketing remark (548 chars)

    Entire complex has recently undergone $8.5 million renovation. Fresh remodel. Unit has been remodeled with new cabinets, countertops, light fixtures, AC, new roof, bathrooms, carpet, tile, new appliances, bath vanity, paint, blinds, fixtures, roof, exterior stucco/paint.. Close to ASU, Freeways, Downtown Phoenix & Sky Harbor Airport. No SPDS as seller has never occupied and no CLUE due to unavailability. It looks great and is move-in ready!!! ***Please include LSR with all offers.*** Show it! Write an offer!! *** Camelback Title Preferred

18. 2006-07-25
    historical 548-char remark

    Show marketing remark (548 chars)

    Entire complex has recently undergone $8.5 million renovation. Fresh remodel. Unit has been remodeled with new cabinets, countertops, light fixtures, AC, new roof, bathrooms, carpet, tile, new appliances, bath vanity, paint, blinds, fixtures, roof, exterior stucco/paint.. Close to ASU, Freeways, Downtown Phoenix & Sky Harbor Airport. No SPDS as seller has never occupied and no CLUE due to unavailability. It looks great and is move-in ready!!! ***Please include LSR with all offers.*** Show it! Write an offer!! *** Camelback Title Preferred

19. 2004-02-02
    soldstatus $2,623,000
20. 1990-12-31
    soldstatus $20,000
21. 1984-08-01
    soldstatus $49,900

ⓘ 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: $353 · $29/mo
• Projected year-2 tax: $950 · $79/mo
• Expected delta: +$598/yr (+$50/mo · 169.3%)

ⓘ 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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥112°F today · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,896
• − Mortgage interest: −$8,066
• − Property taxes: −$353
• − Insurance: −$720
• − Repairs & maintenance: −$1,432
• − Management: −$1,432
• − HOA: −$3,480
• − Depreciation: −$4,189
• Taxable loss: −$1,776
• Est. tax savings @ 24.0%: +$426
• After-tax cash flow: $949/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: Tempe School District (4258)
• NCES district ID: 0408310
• Math proficiency: 17% ▼ -19.00%
• Reading proficiency: 29% ▼ -10.00%
• Median HH income: $43,112
• Composite: 19.7/100
• National rank: #8721
• State rank: #170 of 249 in AZ

Livability — Phoenix

• Score: 75/100
• State rank: #16
• US rank: #3924

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Phoenix, AZ
• County: Maricopa County · 4,537,380 people
• City population: 1,500,198
• Metro: Phoenix-Mesa-Chandler, AZ
• Population (ZIP): 34,117
• Household income: $60,727
• Rent vs Own: 52.1% rent · 47.9% own
• Severe rent burden: 1460.0

Population outlook (Maricopa County) Hauer SSP2

• Today (2025): 4,979,203 people
• By 2030: 5,378,229 · +8.0%
• By 2040: 6,156,598 · +23.6%
• By 2050: 6,872,376 · +38.0%
• By 2075: 8,401,270 · +68.7%
• By 2100: 9,247,439 · +85.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: Hispanic / Latino 64% Two or more races 28% Black 16% White 13% Native American 4% Asian 3%
• Hispanic origin (detail): Mexican 58% Puerto Rican 1%
• Common ancestry: Romanian 1% Italian 1% Lithuanian 1%
• Foreign-born: 23% · Canada, South Korea
• Languages at home: 51% English-only · Spanish 45% Other Indo-European 1% Tagalog/Filipino 1%

Political lean MEDSL · Maricopa

• 2024 margin: Toss-up / Even · D 47.7% · R 51.2% · Other 1.1%
• 2008→2024 swing: +7.1pp toward D · 2008: -10.6pp · 2024: -3.5pp
• All cycles: 2024: R+3.5 2020: D+2.2 2016: R+3.5 2012: R+12.0 2008: R+10.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -158.81%
• Current HPI: 401.3438
• Rent YoY: ▼ -1.21%
• 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

+188.6% since first listed

12 events — show timeline

• 2026-05-27 Listed $144,000 ARMLS
• 2012-01-31 Sold (Public Records) $26,000 Public Records
• 2012-01-31 Sold (MLS) $26,000 ARMLS
• 2012-01-27 Pending — ARMLS
• 2011-12-07 Price Changed $29,900 ARMLS
• 2011-11-15 Listed $32,900 ARMLS
• 2006-08-04 Sold (MLS) $109,000 ARMLS
• 2006-07-25 Listing Removed — ARMLS
• 2006-07-25 Listed $109,000 ARMLS
• 2004-02-02 Sold (Public Records) $2,623,000 Public Records
• 1990-12-31 Sold (Public Records) $20,000 Public Records
• 1984-08-01 Sold (Public Records) $49,900 Public Records

Property tax history

-4.5%/yr

Latest (2025): $353 · +6.8% YoY. Source: county tax records.