100 Bedford Rd · Jeffersonville, KY 40337

$99,500

3 bd · 1.0 ba · 1,200 sqft · SingleFamily public records · 201 Days on market

0.30 ac lot $83/sqft · 51% below area

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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
• DSCR +10.0/10.0
• 1% rule +9.7/10.0
• Appreciation +8.3/10.0
• ARV discount +7.5/15.0
• Livability +3.1/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

If you've been dreaming of a place that feels peaceful and open, but still keeps you close to town, this home might be exactly what you've been waiting for. Tucked just outside the hustle, yet only about 10 minutes from Mt. Sterling, this 1½-story home offers that rare balance of country charm with everyday convenience. From the moment you step inside, you can feel the warmth and potential. The living room is cozy and welcoming, filled with natural light and just waiting for quiet evenings, family gatherings, or a fresh new look. The large eat-in kitchen is the heart of the home—big enough for shared meals, conversations, and weekend projects, with plenty of space to design the farmhouse or modern kitchen you've always wanted. One of the best surprises is the extra den or family room toward the back of the house. It's the kind of space that adapts to your life—home office, playroom, hobby space, or a second living area for movie nights and game days. With four bedrooms total, there's room to grow, host guests, or create dedicated spaces for work and creativity. The full bathroom is conveniently located on the main level, making everyday living easy. Outside is where this property truly shines. Sitting on a level, unrestricted lot, you'll have the freedom to make it your own—garden, fence, build a workshop or garage, or simply enjoy wide-open space and fresh air. No subdivision rules, no HOA—just room to breathe and the flexibility today's buyers are looking for. For investors, this home offers a strong opportunity. The layout, lot, and location make it a solid candidate for renovation, resale, or long-term rental. For homeowners, it's a blank canvas with character, space, and upside already built in. Homes like this—affordable, spacious, and close to town—don't come around often. With a little vision, this could be a place that builds equity while becoming something truly special. Whether you're ready to renovate or just want room to spread out, this home is full of promise and ready for its next chapter.

Key facts

• Easy access
• Not in a subdivision
• Large eat-in kitchen

Tags

• LARGE EAT-IN KITCHEN
• FLEXIBLE DEN
• LEVEL UNRESTRICTED LOT
• EASY ACCESS
• NOT IN A SUBDIVISION
• PROXIMITY TO RESTAURANTS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $471 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.0% vs local median 3.3% 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 61/100 on livability (#382 in KY) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing B; Watch: health & safety D+, schools F, amenities F.
• Montgomery County (rural): math 24% / reading 44% proficiency, ranked #76 of 165 in KY (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 43 active listings in the ZIP; 56 units permitted in Montgomery County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($688 loan paydown + $7k appreciation (6.7% local appreciation)).
• Montgomery County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (6.7% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 201 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 15y ago; this cycle's ask has dropped $40k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,560 (12.0% below list)

Questions for the listing agent

1. It's been on market 201 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 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?
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: 1.47% ✓
• Cap rate: 11.98%
• Cash-on-cash: 20.30%
• DSCR: 1.90
• GRM: 5.7

CMA / ARV

• ARV (median comp): $204,575
• List price: $99,500
• Delta: -51.36%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
135 Representative Dr	0.55mi	3/2.0	1,232 (+3%)	5mo	$242,000	$196	62
131 Representative Dr	0.55mi	3/2.0	1,260 (+5%)	2mo	$230,000	$183	60
8375 Main St	0.57mi	2/1.0 (-1)	1,020 (-15%)	8mo	$134,000	$131	37

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

6.7% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 33.7%
• Equity multiple: 3.26×
• Total profit: $62,925
• Equity at exit: $66,980

10-year hold

• IRR: 30.8%
• Equity multiple: 6.77×
• Total profit: $160,716
• Equity at exit: $125,485

Cash invested: $27,860 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Kentucky: 83 Strongly Landlord-Friendly · R+16
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit (URLTA cities); generally landlord-friendly.

Methodology + full state rankings →

ZIP-level market 40337

• Home prices YoY: 2.9%
• Active inventory: 43
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,467 medium
• Mortgage (P&I): −$522
• Tax est. 1.5%: −$124 /mo · $1,492/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$308
• Net cashflow: $471

Break-even live

Break-even rent $870

Max offer price $99,500

Occupancy floor 63%

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: $24,875
• Closing costs: $2,985
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-13
   status $99,500 Pending 201 DOM
2. 2026-06-10
   days on market $99,500 Active 201 DOM
3. 2026-06-09
   days on market $99,500 Active 200 DOM
4. 2026-06-08
   days on market $99,500 Active 199 DOM
5. 2026-06-07
   days on market $99,500 Active 198 DOM
6. 2026-06-03
   days on market $99,500 Active 194 DOM
7. 2026-06-02
   days on market $99,500 Active 193 DOM
8. 2026-06-01
   days on market $99,500 Active 192 DOM
9. 2026-05-31
   days on market $99,500 Active 191 DOM
10. 2026-05-31
    days on market $99,500 Active 190 DOM
11. 2026-04-30
    price $109,000 2088-char remark

    Show marketing remark (2088 chars)

    If you've been dreaming of a place that feels peaceful and open, but still keeps you close to town, this home might be exactly what you've been waiting for. Tucked just outside the hustle, yet only about 10 minutes from Mt. Sterling, this 1½-story home offers that rare balance of country charm with everyday convenience. From the moment you step inside, you can feel the warmth and potential. The living room is cozy and welcoming, filled with natural light and just waiting for quiet evenings, family gatherings, or a fresh new look. The large eat-in kitchen is the heart of the home—big enough for shared meals, conversations, and weekend projects, with plenty of space to design the farmhouse or modern kitchen you've always wanted. One of the best surprises is the extra den or family room toward the back of the house. It's the kind of space that adapts to your life—home office, playroom, hobby space, or a second living area for movie nights and game days. With four bedrooms total, there's room to grow, host guests, or create dedicated spaces for work and creativity. The full bathroom is conveniently located on the main level, making everyday living easy. Outside is where this property truly shines. Sitting on a level, unrestricted lot, you'll have the freedom to make it your own—garden, fence, build a workshop or garage, or simply enjoy wide-open space and fresh air. No subdivision rules, no HOA—just room to breathe and the flexibility today's buyers are looking for. For investors, this home offers a strong opportunity. The layout, lot, and location make it a solid candidate for renovation, resale, or long-term rental. For homeowners, it's a blank canvas with character, space, and upside already built in. Homes like this—affordable, spacious, and close to town—don't come around often. With a little vision, this could be a place that builds equity while becoming something truly special. Whether you're ready to renovate or just want room to spread out, this home is full of promise and ready for its next chapter.

12. 2026-03-05
    price $120,000 2088-char remark

    Show marketing remark (2088 chars)

    If you've been dreaming of a place that feels peaceful and open, but still keeps you close to town, this home might be exactly what you've been waiting for. Tucked just outside the hustle, yet only about 10 minutes from Mt. Sterling, this 1½-story home offers that rare balance of country charm with everyday convenience. From the moment you step inside, you can feel the warmth and potential. The living room is cozy and welcoming, filled with natural light and just waiting for quiet evenings, family gatherings, or a fresh new look. The large eat-in kitchen is the heart of the home—big enough for shared meals, conversations, and weekend projects, with plenty of space to design the farmhouse or modern kitchen you've always wanted. One of the best surprises is the extra den or family room toward the back of the house. It's the kind of space that adapts to your life—home office, playroom, hobby space, or a second living area for movie nights and game days. With four bedrooms total, there's room to grow, host guests, or create dedicated spaces for work and creativity. The full bathroom is conveniently located on the main level, making everyday living easy. Outside is where this property truly shines. Sitting on a level, unrestricted lot, you'll have the freedom to make it your own—garden, fence, build a workshop or garage, or simply enjoy wide-open space and fresh air. No subdivision rules, no HOA—just room to breathe and the flexibility today's buyers are looking for. For investors, this home offers a strong opportunity. The layout, lot, and location make it a solid candidate for renovation, resale, or long-term rental. For homeowners, it's a blank canvas with character, space, and upside already built in. Homes like this—affordable, spacious, and close to town—don't come around often. With a little vision, this could be a place that builds equity while becoming something truly special. Whether you're ready to renovate or just want room to spread out, this home is full of promise and ready for its next chapter.

13. 2026-02-26
    status Active 2088-char remark

    Show marketing remark (2088 chars)

    If you've been dreaming of a place that feels peaceful and open, but still keeps you close to town, this home might be exactly what you've been waiting for. Tucked just outside the hustle, yet only about 10 minutes from Mt. Sterling, this 1½-story home offers that rare balance of country charm with everyday convenience. From the moment you step inside, you can feel the warmth and potential. The living room is cozy and welcoming, filled with natural light and just waiting for quiet evenings, family gatherings, or a fresh new look. The large eat-in kitchen is the heart of the home—big enough for shared meals, conversations, and weekend projects, with plenty of space to design the farmhouse or modern kitchen you've always wanted. One of the best surprises is the extra den or family room toward the back of the house. It's the kind of space that adapts to your life—home office, playroom, hobby space, or a second living area for movie nights and game days. With four bedrooms total, there's room to grow, host guests, or create dedicated spaces for work and creativity. The full bathroom is conveniently located on the main level, making everyday living easy. Outside is where this property truly shines. Sitting on a level, unrestricted lot, you'll have the freedom to make it your own—garden, fence, build a workshop or garage, or simply enjoy wide-open space and fresh air. No subdivision rules, no HOA—just room to breathe and the flexibility today's buyers are looking for. For investors, this home offers a strong opportunity. The layout, lot, and location make it a solid candidate for renovation, resale, or long-term rental. For homeowners, it's a blank canvas with character, space, and upside already built in. Homes like this—affordable, spacious, and close to town—don't come around often. With a little vision, this could be a place that builds equity while becoming something truly special. Whether you're ready to renovate or just want room to spread out, this home is full of promise and ready for its next chapter.

14. 2026-02-04
    historical 2088-char remark

    Show marketing remark (2088 chars)

    If you've been dreaming of a place that feels peaceful and open, but still keeps you close to town, this home might be exactly what you've been waiting for. Tucked just outside the hustle, yet only about 10 minutes from Mt. Sterling, this 1½-story home offers that rare balance of country charm with everyday convenience. From the moment you step inside, you can feel the warmth and potential. The living room is cozy and welcoming, filled with natural light and just waiting for quiet evenings, family gatherings, or a fresh new look. The large eat-in kitchen is the heart of the home—big enough for shared meals, conversations, and weekend projects, with plenty of space to design the farmhouse or modern kitchen you've always wanted. One of the best surprises is the extra den or family room toward the back of the house. It's the kind of space that adapts to your life—home office, playroom, hobby space, or a second living area for movie nights and game days. With four bedrooms total, there's room to grow, host guests, or create dedicated spaces for work and creativity. The full bathroom is conveniently located on the main level, making everyday living easy. Outside is where this property truly shines. Sitting on a level, unrestricted lot, you'll have the freedom to make it your own—garden, fence, build a workshop or garage, or simply enjoy wide-open space and fresh air. No subdivision rules, no HOA—just room to breathe and the flexibility today's buyers are looking for. For investors, this home offers a strong opportunity. The layout, lot, and location make it a solid candidate for renovation, resale, or long-term rental. For homeowners, it's a blank canvas with character, space, and upside already built in. Homes like this—affordable, spacious, and close to town—don't come around often. With a little vision, this could be a place that builds equity while becoming something truly special. Whether you're ready to renovate or just want room to spread out, this home is full of promise and ready for its next chapter.

15. 2025-12-02
    price $135,000 2088-char remark

    Show marketing remark (2088 chars)

    If you've been dreaming of a place that feels peaceful and open, but still keeps you close to town, this home might be exactly what you've been waiting for. Tucked just outside the hustle, yet only about 10 minutes from Mt. Sterling, this 1½-story home offers that rare balance of country charm with everyday convenience. From the moment you step inside, you can feel the warmth and potential. The living room is cozy and welcoming, filled with natural light and just waiting for quiet evenings, family gatherings, or a fresh new look. The large eat-in kitchen is the heart of the home—big enough for shared meals, conversations, and weekend projects, with plenty of space to design the farmhouse or modern kitchen you've always wanted. One of the best surprises is the extra den or family room toward the back of the house. It's the kind of space that adapts to your life—home office, playroom, hobby space, or a second living area for movie nights and game days. With four bedrooms total, there's room to grow, host guests, or create dedicated spaces for work and creativity. The full bathroom is conveniently located on the main level, making everyday living easy. Outside is where this property truly shines. Sitting on a level, unrestricted lot, you'll have the freedom to make it your own—garden, fence, build a workshop or garage, or simply enjoy wide-open space and fresh air. No subdivision rules, no HOA—just room to breathe and the flexibility today's buyers are looking for. For investors, this home offers a strong opportunity. The layout, lot, and location make it a solid candidate for renovation, resale, or long-term rental. For homeowners, it's a blank canvas with character, space, and upside already built in. Homes like this—affordable, spacious, and close to town—don't come around often. With a little vision, this could be a place that builds equity while becoming something truly special. Whether you're ready to renovate or just want room to spread out, this home is full of promise and ready for its next chapter.

16. 2025-10-30
    historical
17. 2025-10-30
    listed $140,000 Active
18. 2025-10-21
    listed $140,000 Active 2088-char remark

    Show marketing remark (2088 chars)

    If you've been dreaming of a place that feels peaceful and open, but still keeps you close to town, this home might be exactly what you've been waiting for. Tucked just outside the hustle, yet only about 10 minutes from Mt. Sterling, this 1½-story home offers that rare balance of country charm with everyday convenience. From the moment you step inside, you can feel the warmth and potential. The living room is cozy and welcoming, filled with natural light and just waiting for quiet evenings, family gatherings, or a fresh new look. The large eat-in kitchen is the heart of the home—big enough for shared meals, conversations, and weekend projects, with plenty of space to design the farmhouse or modern kitchen you've always wanted. One of the best surprises is the extra den or family room toward the back of the house. It's the kind of space that adapts to your life—home office, playroom, hobby space, or a second living area for movie nights and game days. With four bedrooms total, there's room to grow, host guests, or create dedicated spaces for work and creativity. The full bathroom is conveniently located on the main level, making everyday living easy. Outside is where this property truly shines. Sitting on a level, unrestricted lot, you'll have the freedom to make it your own—garden, fence, build a workshop or garage, or simply enjoy wide-open space and fresh air. No subdivision rules, no HOA—just room to breathe and the flexibility today's buyers are looking for. For investors, this home offers a strong opportunity. The layout, lot, and location make it a solid candidate for renovation, resale, or long-term rental. For homeowners, it's a blank canvas with character, space, and upside already built in. Homes like this—affordable, spacious, and close to town—don't come around often. With a little vision, this could be a place that builds equity while becoming something truly special. Whether you're ready to renovate or just want room to spread out, this home is full of promise and ready for its next chapter.

19. 2024-07-11
    soldstatus $110,000
20. 2024-07-10
    soldstatus $110,000 Closed
21. 2024-05-30
    historical Contingent
22. 2024-05-14
    listed $120,000 Active
23. 2011-10-26
    soldstatus $58,500
24. 2011-10-20
    soldstatus $58,500
25. 2011-08-27
    historical
26. 2011-08-24
    listed $58,500

ⓘ 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 7/10 Severe
• 🌡 Heat 4/10 Moderate 7 d/yr ≥102°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,602
• − Mortgage interest: −$5,574
• − Property taxes: −$1,492
• − Insurance: −$498
• − Repairs & maintenance: −$1,408
• − Management: −$1,408
• − Depreciation: −$2,895
• Taxable income: $4,328
• Est. tax owed @ 24.0%: −$1,039
• After-tax cash flow: $4,616/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: Montgomery County
• NCES district ID: 2104250
• Math proficiency: 24% ▼ -21.00%
• Reading proficiency: 44% ▼ -14.00%
• Median HH income: $38,262
• Composite: 28.32/100
• National rank: #6782
• State rank: #76 of 165 in KY

Livability — Jeffersonville

• Score: 61/100
• State rank: #382
• US rank: #18158

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jeffersonville, KY
• Population (ZIP): 5,461

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 29,814 people
• By 2030: 30,705 · +3.0%
• By 2040: 32,189 · +8.0%
• By 2050: 33,131 · +11.1%
• By 2075: 33,991 · +14.0%
• By 2100: 32,097 · +7.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Two or more races 2% Hispanic / Latino 1%
• Common ancestry: Slovak 3% Lithuanian 2% Italian 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Montgomery

• 2024 margin: Solid R (+46.6) · D 26.0% · R 72.6% · Other 1.5%
• 2008→2024 swing: -30.0pp toward R · 2008: -16.6pp · 2024: -46.6pp
• All cycles: 2024: R+46.6 2020: R+41.8 2016: R+41.1 2012: R+26.3 2008: R+16.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.70%
• Current HPI: 241.3612
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.81%
• F500 in state: 4

Industry mix (Fortune 500 HQ in KY)

Industry	F500 HQs	Revenue
▸Healthcare	1	$118B
▸Food / Beverage	1	$7B

Price history

+86.3% since first listed

16 events — show timeline

• 2026-04-30 Price Changed $109,000 ImagineMLS
• 2026-03-05 Price Changed $120,000 ImagineMLS
• 2026-02-26 Relisted — ImagineMLS
• 2026-02-04 Listing Removed — ImagineMLS
• 2025-12-02 Price Changed $135,000 ImagineMLS
• 2025-10-30 Listed $140,000 ImagineMLS
• 2025-10-30 Listing Removed — ImagineMLS
• 2025-10-21 Listed $140,000 ImagineMLS
• 2024-07-11 Sold (Public Records) $110,000 Public Records
• 2024-07-10 Sold (MLS) $110,000 ImagineMLS
• 2024-05-30 Contingent — ImagineMLS
• 2024-05-14 Listed $120,000 ImagineMLS
• 2011-10-26 Sold (Public Records) $58,500 Public Records
• 2011-10-20 Sold (MLS) $58,500 ImagineMLS
• 2011-08-27 Listing Removed — ImagineMLS
• 2011-08-24 Listed $58,500 ImagineMLS