907 Allison Ln · Jeffersonville, IN 47130

$187,900

3 bd · 1.0 ba · 1,362 sqft · SingleFamily public records · 52 Days on market

Built 1949 0.50 ac lot $138/sqft · 12% below area Est $214k · 12% under

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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 +17.7/30.0
• ARV discount +13.1/15.0
• DSCR +5.5/10.0
• Livability +4.2/5.0
• 1% rule +4.1/10.0
• Schools +2.7/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the ultimate retreat in this enchanting 2-bed, 1-bath residence, a true haven of comfort and style. Step into a world of tranquility as the spacious backyard unfolds—a serene oasis boasting shade trees, a captivating fire pit, and a tranquil koi pond eagerly awaiting its finned inhabitants to complete your personal paradise. The large covered front porch not only elevates the curb appeal of your home but also offers a cozy sanctuary where you can unwind, connect with others, or bask in the beauty of the outdoors, shielded from the elements. Inside, a seamless blend of vintage charm and modern convenience awaits. Original hardwood floors exude timeless character, complemented by ample pantry cabinets and a convenient mudroom, enhancing the functionality of this residence. The well-lit basement transcends typical expectations, radiating a sense of spaciousness and warmth that beckons you to make the most of every square foot. Your new home is not just a dwelling; it's a timeless treasure where every detail contributes to an atmosphere of comfort and style. Welcome to a place where vintage meets modern, indoors seamlessly transitions to outdoors, and each moment is an invitation to savor the joy of living.

Key facts

• Koi pond
• Spacious backyard
• Fire pit area

Tags

• LARGE COVERED FRONT PORCH
• SPACIOUS BACKYARD
• MATURE SHADE TREES
• FIRE PIT AREA
• KOI POND
• ORIGINAL HARDWOOD FLOORS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $188k.

Deal economics

• At list price, monthly cash flow is $150 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $172k (8.7% below list).
• Recommended offer: $172k (8.7% below list) — sets the bar for 1% rule.
• Cap rate 7.3% vs local median 3.5% in Jeffersonville — 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 83/100 on livability (#8 in IN, #843 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: schools C-.
• Greater Clark County Schools (suburban): math 26% / reading 37% proficiency, ranked #224 of 301 in IN (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents flat; 425 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 911 units permitted in Clark County in 2024 (133 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Clark County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($182k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 14y ago; this cycle's ask is 11% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1949 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $171,546 (8.7% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.91% ✗
• Cap rate: 7.25%
• Cash-on-cash: 3.42%
• DSCR: 1.15
• GRM: 9.1

CMA / ARV

• ARV (median comp): $214,363
• List price: $187,900
• Delta: -11.41%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1019 Allison Ln	0.10mi	3/1.0	1,432 (+5%)	0mo	$202,000	$141	86
87 Forest Dr	0.40mi	4/2.0 (+1)	1,363 (+0%)	0mo	$290,000	$213	72
725 Higgins Dr	0.62mi	3/2.0	1,350 (-1%)	4mo	$272,400	$202	62
15 Fay Ave	0.47mi	3/1.0	1,260 (-8%)	8mo	$210,000	$167	59
32 Beechwood Rd	0.38mi	4/2.0 (+1)	1,443 (+6%)	10mo	$170,000	$118	55
427 Webster Blvd	0.69mi	4/1.0 (+1)	1,450 (+6%)	1mo	$220,000	$152	51
42 Longview Dr	0.47mi	4/2.0 (+1)	1,489 (+9%)	10mo	$285,000	$191	46
719 Higgins Dr	0.64mi	4/1.0 (+1)	1,225 (-10%)	6mo	$215,000	$176	44
204 Cherokee Dr	0.65mi	3/2.0	1,488 (+9%)	10mo	$309,900	$208	42
811 Webster Blvd	0.65mi	3/2.0	1,235 (-9%)	10mo	$210,000	$170	42
709 Dellinger Dr	0.62mi	4/2.0 (+1)	1,515 (+11%)	9mo	$184,900	$122	36
412 Webster Blvd	0.62mi	2/1.5 (-1)	1,563 (+15%)	10mo	$185,000	$118	31

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 · 0.58% rent growth · sell at horizon

5-year hold

• IRR: -13.5%
• Equity multiple: 0.52×
• Total profit: $-25,001
• Equity at exit: $28,017

10-year hold

• IRR: -8.7%
• Equity multiple: 0.51×
• Total profit: $-25,536
• Equity at exit: $16,246

Cash invested: $52,612 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Indiana: 90 Strongly Landlord-Friendly · R+11
• County: — inherits STATE
• City: — inherits STATE

10-day pay-or-quit; landlord-favorable; preempted.

Methodology + full state rankings →

ZIP-level market 47130

• Rents YoY: 0.6%
• Active inventory: 425
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,715 high
• Mortgage (P&I): −$985
• Tax from tax record: −$142 /mo · $1,698/yr
• Insurance: −$78
• HOA: −$0
• Vacancy / Maint / Mgmt: −$360
• Net cashflow: $150

Break-even live

Break-even rent $1,526

Max offer price $187,900

Occupancy floor 86%

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: $46,975
• Closing costs: $5,637
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2727 Middle Rd Jeffersonville, IN	1.0–2.0	1.0–1.5	850	$977	$1.15	1d	13	0.60mi
3130 Middle Rd Jeffersonville, IN	1.0–2.0	1.0	950	$1,280	$1.35	2d	12	0.65mi
1718 Birchbark Ln Jeffersonville, IN	3.0	1.0	1044	$1,600	$1.53	23d	1	0.70mi
2098 Steamboat Way Jeffersonville, IN	3.0	2.5	1616	$2,010	$1.24	20d	1	0.77mi
2100 Steamboat Way Jeffersonville, IN	3.0	2.5	1616	$1,990	$1.23	3d	1	0.77mi
2099 Paddle Wheel Dr Jeffersonville, IN	3.0	2.5	1616	$2,155	$1.33	11d	1	0.77mi
2088 Steamboat Way Jeffersonville, IN	3.0	2.5	1616	$2,060	$1.27	23d	1	0.79mi
3117 Middle Rd Jeffersonville, IN	2.0	2.0	1200	$1,074	$0.90	43d	2	0.84mi
2072 Sarah Dr Jeffersonville, IN	3.0	2.5	1616	$2,005	$1.24	23d	1	0.84mi
2063 N Sarah Dr Jeffersonville, IN	3.0	2.5	1616	$2,090	$1.29	1d	1	0.88mi
2063 Paddle Wheel Dr Jeffersonville, IN	3.0	2.5	1616	$2,020	$1.25	3d	1	0.88mi
2058 N Sarah Dr Jeffersonville, IN	3.0	2.5	1616	$2,015	$1.25	3d	1	0.89mi
2051 Paddle Wheel Dr Jeffersonville, IN	3.0	2.5	1616	$1,985	$1.23	19d	1	0.91mi
2067 Aster Dr Jeffersonville, IN	3.0	2.0	1200	$1,900	$1.58	43d	1	1.00mi
3013 Northern Falcon Ridge Dr Jeffersonville, IN	3.0	2.0	1540	$1,800	$1.17	43d	1	1.05mi
1919 Viking Dr Jeffersonville, IN	2.0	1.5	932	$1,065	$1.14	3d	2	1.13mi
1104 Lighthouse Dr Unit B 1 Jeffersonville, IN	3.0	2.0	1300	$1,600	$1.23	43d	1	1.35mi
725 Goyne Dr Jeffersonville, IN	3.0	1.0	925	$1,600	$1.73	11d	1	1.38mi
3300 Wooded Way Jeffersonville, IN	1.0–2.0	1.0–1.5	660	$919	$1.39	14d	1	1.42mi
2405 Ashley Dr Jeffersonville, IN	2.0	1.0	1200	$1,050	$0.88	43d	1	1.42mi

Listing history 23 events

1. 2026-06-19
   price $187,900 Active 52 DOM
2. 2026-06-18
   days on market $189,900 Active 52 DOM
3. 2026-06-17
   days on market $189,900 Active 51 DOM
4. 2026-06-16
   days on market $189,900 Active 50 DOM
5. 2026-06-15
   days on market $189,900 Active 49 DOM
6. 2026-06-13
   days on market $189,900 Active 47 DOM
7. 2026-06-13
   days on market $189,900 Active 46 DOM
8. 2026-06-10
   days on market $189,900 Active 44 DOM
9. 2026-06-09
   days on market $189,900 Active 43 DOM
10. 2026-06-08
    days on market $189,900 Active 42 DOM
11. 2026-06-07
    days on market $189,900 Active 41 DOM
12. 2026-06-03
    days on market $189,900 Active 37 DOM
13. 2026-06-02
    days on market $189,900 Active 36 DOM
14. 2026-06-01
    days on market $189,900 Active 35 DOM
15. 2026-05-31
    days on market $189,900 Active 34 DOM
16. 2023-12-18
    soldstatus $171,900 Closed 1237-char remark

    Show marketing remark (1237 chars)

    Discover the ultimate retreat in this enchanting 2-bed, 1-bath residence, a true haven of comfort and style. Step into a world of tranquility as the spacious backyard unfolds—a serene oasis boasting shade trees, a captivating fire pit, and a tranquil koi pond eagerly awaiting its finned inhabitants to complete your personal paradise. The large covered front porch not only elevates the curb appeal of your home but also offers a cozy sanctuary where you can unwind, connect with others, or bask in the beauty of the outdoors, shielded from the elements. Inside, a seamless blend of vintage charm and modern convenience awaits. Original hardwood floors exude timeless character, complemented by ample pantry cabinets and a convenient mudroom, enhancing the functionality of this residence. The well-lit basement transcends typical expectations, radiating a sense of spaciousness and warmth that beckons you to make the most of every square foot. Your new home is not just a dwelling; it's a timeless treasure where every detail contributes to an atmosphere of comfort and style. Welcome to a place where vintage meets modern, indoors seamlessly transitions to outdoors, and each moment is an invitation to savor the joy of living.

17. 2023-11-19
    status Pending 1237-char remark

    Show marketing remark (1237 chars)

    Discover the ultimate retreat in this enchanting 2-bed, 1-bath residence, a true haven of comfort and style. Step into a world of tranquility as the spacious backyard unfolds—a serene oasis boasting shade trees, a captivating fire pit, and a tranquil koi pond eagerly awaiting its finned inhabitants to complete your personal paradise. The large covered front porch not only elevates the curb appeal of your home but also offers a cozy sanctuary where you can unwind, connect with others, or bask in the beauty of the outdoors, shielded from the elements. Inside, a seamless blend of vintage charm and modern convenience awaits. Original hardwood floors exude timeless character, complemented by ample pantry cabinets and a convenient mudroom, enhancing the functionality of this residence. The well-lit basement transcends typical expectations, radiating a sense of spaciousness and warmth that beckons you to make the most of every square foot. Your new home is not just a dwelling; it's a timeless treasure where every detail contributes to an atmosphere of comfort and style. Welcome to a place where vintage meets modern, indoors seamlessly transitions to outdoors, and each moment is an invitation to savor the joy of living.

18. 2023-11-13
    listed $169,900 Active 1237-char remark

    Show marketing remark (1237 chars)

    Discover the ultimate retreat in this enchanting 2-bed, 1-bath residence, a true haven of comfort and style. Step into a world of tranquility as the spacious backyard unfolds—a serene oasis boasting shade trees, a captivating fire pit, and a tranquil koi pond eagerly awaiting its finned inhabitants to complete your personal paradise. The large covered front porch not only elevates the curb appeal of your home but also offers a cozy sanctuary where you can unwind, connect with others, or bask in the beauty of the outdoors, shielded from the elements. Inside, a seamless blend of vintage charm and modern convenience awaits. Original hardwood floors exude timeless character, complemented by ample pantry cabinets and a convenient mudroom, enhancing the functionality of this residence. The well-lit basement transcends typical expectations, radiating a sense of spaciousness and warmth that beckons you to make the most of every square foot. Your new home is not just a dwelling; it's a timeless treasure where every detail contributes to an atmosphere of comfort and style. Welcome to a place where vintage meets modern, indoors seamlessly transitions to outdoors, and each moment is an invitation to savor the joy of living.

19. 2023-09-20
    price $173,000
20. 2023-09-15
    price $179,900
21. 2013-04-26
    soldstatus $102,000
22. 2013-04-19
    soldstatus $102,000
23. 2012-06-17
    listed $104,900

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

Tax reassessment forecast IN · Partial reset (capped growth)

• Current annual tax: $1,698 · $142/mo
• Projected year-2 tax: $1,698 · $142/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 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,586
• − Mortgage interest: −$10,525
• − Property taxes: −$1,698
• − Insurance: −$940
• − Repairs & maintenance: −$1,647
• − Management: −$1,647
• − Depreciation: −$5,466
• Taxable loss: −$1,337
• Est. tax savings @ 24.0%: +$321
• After-tax cash flow: $2,122/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: Greater Clark County Schools
• NCES district ID: 1803940
• Math proficiency: 26% ▼ -15.00%
• Reading proficiency: 37% ▼ -13.00%
• Median HH income: $47,838
• Composite: 27.2/100
• National rank: #7020
• State rank: #224 of 301 in IN

Livability — Jeffersonville

• Score: 83/100
• State rank: #8
• US rank: #843

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jeffersonville, IN
• County: Clark County · 108,879 people
• City population: 50,514
• Metro: Louisville/Jefferson County, KY-IN
• Population (ZIP): 50,514
• Household income: $70,290
• Rent vs Own: 28.5% rent · 71.5% own
• Severe rent burden: 1088.0

Population outlook (Clark County) Hauer SSP2

• Today (2025): 126,401 people
• By 2030: 131,455 · +4.0%
• By 2040: 140,471 · +11.1%
• By 2050: 147,677 · +16.8%
• By 2075: 161,702 · +27.9%
• By 2100: 164,078 · +29.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Black 12% Two or more races 8% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 1%
• Common ancestry: Slovak 3% Lithuanian 2% Romanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 3% Other Indo-European 1%

Political lean MEDSL · Clark

• 2024 margin: Strong R (+20.4) · D 38.9% · R 59.3% · Other 1.8%
• 2008→2024 swing: -13.3pp toward R · 2008: -7.1pp · 2024: -20.4pp
• All cycles: 2024: R+20.4 2020: R+18.3 2016: R+22.0 2012: R+9.9 2008: R+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -149.13%
• Current HPI: 218.1985
• Rent YoY: ▲ 0.58%
• Metro: Louisville/Jefferson County, KY-IN
• State GDP YoY: ▲ 2.90%
• F500 in state: 18

Industry mix (Fortune 500 HQ in IN)

Industry	F500 HQs	Revenue
▸Industrial Machinery	2	$37B
▸Healthcare	1	$177B
▸Pharmaceuticals	1	$45B
▸Metals / Steel	1	$18B
▸Agriculture	1	$17B
▸Packaging	1	$12B

Price history

+63.9% since first listed

8 events — show timeline

• 2023-12-18 Sold (MLS) $171,900 SIRA
• 2023-11-19 Pending — SIRA
• 2023-11-13 Listed $169,900 SIRA
• 2023-09-20 Price Changed $173,000 SIRA
• 2023-09-15 Price Changed $179,900 SIRA
• 2013-04-26 Sold (Public Records) $102,000 Public Records
• 2013-04-19 Sold (MLS) $102,000 SIRA
• 2012-06-17 Listed $104,900 SIRA

Property tax history

+4.5%/yr

Latest (2024): $1,698 · +14.3% YoY. Source: county tax records.