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13346 Holly St
B- Composite 65.16
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 +26.4/30.0
  • DSCR +9.0/10.0
  • ARV discount +7.5/15.0
  • 1% rule +6.3/10.0
  • Appreciation +5.0/10.0
  • Livability +3.1/5.0
  • Schools +3.0/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$129,999

13346 Holly St · Searles Valley, CA 93562
2 bd · 2.0 ba · 1,401 sqft · SingleFamily public records · 110 Days on market
Built 1943 0.33 ac lot $93/sqft · 284% above area

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to 13346 Holly St in Trona, California — a rare desert gem offering space, flexibility, and serious value at just $139,999. This impressive 3-bedroom, 2-bath home delivers approximately 1,650 square feet of comfortable living space, making it one of the more spacious finds in the area. From the moment you step inside, you’ll notice the fresh updates and new flooring that give the home a clean, modern feel while still maintaining that warm, welcoming character buyers are looking for. The layout flows naturally, offering generous room sizes and flexibility whether you’re settling in as a full-time resident or setting up the perfect weekend escape. One of the standout features of this property is the two separate detached garages — an incredible bonus in Trona. Whether you need room for vehicles, off-road toys, dirt bikes, storage, or a workshop setup, this property delivers the kind of space that desert buyers truly value. The area is well-known for its access to wide-open terrain, scenic desert landscapes, and outdoor recreation. Imagine loading up the kids, heading out for a day of off-roading, exploring nearby trails, or simply enjoying the peaceful desert sunsets away from city congestion. Trona offers a slower pace of life, dramatic natural beauty, and a tight-knit community feel that many buyers are actively seeking. The home is equipped with a full-around camera security system - included with the sale of the home! Inside, the home is cooled by window units that efficiently handle the desert climate, and the roof remains in great condition — giving buyers added confidence and peace of mind. The property has been virtually staged to help you envision its full potential, while real, unstaged photos are also included for full transparency. Whether you're a first-time homebuyer looking to break into homeownership at an affordable price point, an investor seeking strong value, or someone wanting a desert retreat without breaking the bank, this property checks multiple boxes. Financing options include FHA, Conventional, USDA, and VA, making it accessible to a wide range of buyers. Seller financing may also be considered with a larger down payment, opening the door for creative solutions. At $139,999, opportunities like this — with size, updates, garage space, and lifestyle appeal — do not come around often in Trona. This is your chance to secure a versatile property with room to grow, room to play, and room to breathe.

Key facts

  • Outdoor recreation
  • Window units
  • Detached garages

Tags

DETACHED GARAGESCAMERA SECURITY SYSTEMWINDOW UNITSOUTDOOR RECREATION

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath single-family listed at $130k.

Deal economics

  • At list price, monthly cash flow is $339 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $130k).
  • Recommended offer: $118k (9.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 62/100 on livability (#500 in CA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: health & safety C-, schools F, amenities F.
  • Trona Joint Unified (rural): math 25% / reading 40% proficiency, ranked #1,004 of 1,400 in CA (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 56 active listings in the ZIP; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).

Forward outlook

  • In year one you build about $5k of equity ($899 loan paydown + $4k appreciation (3.0% local appreciation)).
  • San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~4 years — after that, you're playing with house money.
  • By year 7, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 110 days — a 9% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 3y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $65k; list at $130k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1943 — 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 $118,299 (9.0% below list)

Questions for the listing agent

  1. It's been on market 110 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 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  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
1.13%
Cap rate
9.42%
Cash-on-cash
11.17%
DSCR
1.50
GRM
7.4

CMA / ARV

ARV (median comp)
$39,895
List price
$129,999
Delta
225.85%
Verdict
OVERPRICED
Comps
15 within 1.0 mi
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
13408 Sage St 0.10mi 3/2.0 (+1) 1,385 (-1%) 13mo $169,900 $123 77

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
17.9%
Equity multiple
2.02×
Total profit
$37,212
Equity at exit
$58,453
10-year hold
IRR
19.3%
Equity multiple
3.81×
Total profit
$102,211
Equity at exit
$90,083

Cash invested: $36,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
18 Strongly Tenant-Friendly
State California
18 Strongly Tenant-Friendly · D+13
County
— inherits STATE
City
— inherits STATE
AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

ZIP-level market 93562

Active inventory
56
Price-to-rent
7.4×

Monthly cashflow live

Estimated rent
$1,463 medium interval (Pro) →
Mortgage (P&I)
$682
Tax from tax record
$81 /mo · $972/yr
Insurance
$54
HOA
$0
Vacancy / Maint / Mgmt
$307
Net cashflow
$339

Break-even live

Break-even rent $1,034
Max offer price $129,999
Occupancy floor 72%

Sensitivity live

Price -10% $412 -5% $376 +0% $339 +5% $302 +10% $265
Rent -10% $223 -5% $281 +0% $339 +5% $397 +10% $454
Rate -1.0pp $404 -0.5pp $372 base $339 +0.5pp $305 +1.0pp $271

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
$32,500
Closing costs
$3,900
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 23 events

  1. 2026-06-18
    days on market $129,999 Active 110 DOM
  2. 2026-06-17
    days on market $129,999 Active 109 DOM
  3. 2026-06-16
    days on market $129,999 Active 108 DOM
  4. 2026-06-15
    days on market $129,999 Active 107 DOM
  5. 2026-06-14
    days on market $129,999 Active 105 DOM
  6. 2026-06-13
    days on market $129,999 Active 104 DOM
  7. 2026-06-10
    days on market $129,999 Active 102 DOM
  8. 2026-06-09
    days on market $129,999 Active 101 DOM
  9. 2026-06-08
    days on market $129,999 Active 100 DOM
  10. 2026-06-07
    days on market $129,999 Active 99 DOM
  11. 2026-06-05
    days on market $129,999 Active 96 DOM
  12. 2026-06-03
    days on market $129,999 Active 95 DOM
  13. 2026-06-03
    days on market $129,999 Active 94 DOM
  14. 2026-06-01
    days on market $129,999 Active 93 DOM
  15. 2026-05-31
    days on market $129,999 Active 92 DOM
  16. 2026-04-17
    price $129,999 2514-char remark
    Show marketing remark (2514 chars)

    Welcome to 13346 Holly St in Trona, California — a rare desert gem offering space, flexibility, and serious value at just $139,999. This impressive 3-bedroom, 2-bath home delivers approximately 1,650 square feet of comfortable living space, making it one of the more spacious finds in the area. From the moment you step inside, you’ll notice the fresh updates and new flooring that give the home a clean, modern feel while still maintaining that warm, welcoming character buyers are looking for. The layout flows naturally, offering generous room sizes and flexibility whether you’re settling in as a full-time resident or setting up the perfect weekend escape. One of the standout features of this property is the two separate detached garages — an incredible bonus in Trona. Whether you need room for vehicles, off-road toys, dirt bikes, storage, or a workshop setup, this property delivers the kind of space that desert buyers truly value. The area is well-known for its access to wide-open terrain, scenic desert landscapes, and outdoor recreation. Imagine loading up the kids, heading out for a day of off-roading, exploring nearby trails, or simply enjoying the peaceful desert sunsets away from city congestion. Trona offers a slower pace of life, dramatic natural beauty, and a tight-knit community feel that many buyers are actively seeking. The home is equipped with a full-around camera security system - included with the sale of the home! Inside, the home is cooled by window units that efficiently handle the desert climate, and the roof remains in great condition — giving buyers added confidence and peace of mind. The property has been virtually staged to help you envision its full potential, while real, unstaged photos are also included for full transparency. Whether you're a first-time homebuyer looking to break into homeownership at an affordable price point, an investor seeking strong value, or someone wanting a desert retreat without breaking the bank, this property checks multiple boxes. Financing options include FHA, Conventional, USDA, and VA, making it accessible to a wide range of buyers. Seller financing may also be considered with a larger down payment, opening the door for creative solutions. At $139,999, opportunities like this — with size, updates, garage space, and lifestyle appeal — do not come around often in Trona. This is your chance to secure a versatile property with room to grow, room to play, and room to breathe.

  17. 2026-02-28
    listed $139,999 Active 2514-char remark
    Show marketing remark (2514 chars)

    Welcome to 13346 Holly St in Trona, California — a rare desert gem offering space, flexibility, and serious value at just $139,999. This impressive 3-bedroom, 2-bath home delivers approximately 1,650 square feet of comfortable living space, making it one of the more spacious finds in the area. From the moment you step inside, you’ll notice the fresh updates and new flooring that give the home a clean, modern feel while still maintaining that warm, welcoming character buyers are looking for. The layout flows naturally, offering generous room sizes and flexibility whether you’re settling in as a full-time resident or setting up the perfect weekend escape. One of the standout features of this property is the two separate detached garages — an incredible bonus in Trona. Whether you need room for vehicles, off-road toys, dirt bikes, storage, or a workshop setup, this property delivers the kind of space that desert buyers truly value. The area is well-known for its access to wide-open terrain, scenic desert landscapes, and outdoor recreation. Imagine loading up the kids, heading out for a day of off-roading, exploring nearby trails, or simply enjoying the peaceful desert sunsets away from city congestion. Trona offers a slower pace of life, dramatic natural beauty, and a tight-knit community feel that many buyers are actively seeking. The home is equipped with a full-around camera security system - included with the sale of the home! Inside, the home is cooled by window units that efficiently handle the desert climate, and the roof remains in great condition — giving buyers added confidence and peace of mind. The property has been virtually staged to help you envision its full potential, while real, unstaged photos are also included for full transparency. Whether you're a first-time homebuyer looking to break into homeownership at an affordable price point, an investor seeking strong value, or someone wanting a desert retreat without breaking the bank, this property checks multiple boxes. Financing options include FHA, Conventional, USDA, and VA, making it accessible to a wide range of buyers. Seller financing may also be considered with a larger down payment, opening the door for creative solutions. At $139,999, opportunities like this — with size, updates, garage space, and lifestyle appeal — do not come around often in Trona. This is your chance to secure a versatile property with room to grow, room to play, and room to breathe.

  18. 2023-03-29
    soldstatus $65,000 Closed 637-char remark
    Show marketing remark (637 chars)

    Make an appointment right away to see this delightful home situated on a nice quiet street in Trona, CA. You will totally fall in love with its charming ambiance and will see its wonderful features: a large exquisite living room, cozy dining area, large master bedroom, laundry room, plenty of storage in the storage shed, RV parking & an awesome oversized detached garage/workshop with automatic opener!! This charmer is also situated on a gigantic lot, over 14,000 sq. ft. Be the first to see what it has to offer you & your family by calling for appointment as soon as you're able! This home will be sold "as-is"

  19. 2023-03-27
    soldstatus $65,000
  20. 2023-03-22
    price $69,500 637-char remark
    Show marketing remark (637 chars)

    Make an appointment right away to see this delightful home situated on a nice quiet street in Trona, CA. You will totally fall in love with its charming ambiance and will see its wonderful features: a large exquisite living room, cozy dining area, large master bedroom, laundry room, plenty of storage in the storage shed, RV parking & an awesome oversized detached garage/workshop with automatic opener!! This charmer is also situated on a gigantic lot, over 14,000 sq. ft. Be the first to see what it has to offer you & your family by calling for appointment as soon as you're able! This home will be sold "as-is"

  21. 2023-02-27
    historical Active Under Contract 637-char remark
    Show marketing remark (637 chars)

    Make an appointment right away to see this delightful home situated on a nice quiet street in Trona, CA. You will totally fall in love with its charming ambiance and will see its wonderful features: a large exquisite living room, cozy dining area, large master bedroom, laundry room, plenty of storage in the storage shed, RV parking & an awesome oversized detached garage/workshop with automatic opener!! This charmer is also situated on a gigantic lot, over 14,000 sq. ft. Be the first to see what it has to offer you & your family by calling for appointment as soon as you're able! This home will be sold "as-is"

  22. 2023-02-10
    listed $79,500 Active 637-char remark
    Show marketing remark (637 chars)

    Make an appointment right away to see this delightful home situated on a nice quiet street in Trona, CA. You will totally fall in love with its charming ambiance and will see its wonderful features: a large exquisite living room, cozy dining area, large master bedroom, laundry room, plenty of storage in the storage shed, RV parking & an awesome oversized detached garage/workshop with automatic opener!! This charmer is also situated on a gigantic lot, over 14,000 sq. ft. Be the first to see what it has to offer you & your family by calling for appointment as soon as you're able! This home will be sold "as-is"

  23. 1977-03-01
    soldstatus $23,500

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

Tax reassessment forecast CA · Resets to sale price

Current annual tax
$972 · $81/mo
Projected year-2 tax
$988 · $82/mo
Expected delta
+$16/yr (+$1/mo · 1.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone D · 0% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$17,556
− Mortgage interest
−$7,282
− Property taxes
−$972
− Insurance
−$650
− Repairs & maintenance
−$1,404
− Management
−$1,404
− Depreciation
−$3,782
Taxable income
$2,061
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$495
After-tax cash flow
$3,571/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
Trona Joint Unified
NCES district ID
0639840
Math proficiency
25% ▲ 5.00%
Reading proficiency
40% ▲ 5.00%
Median HH income
$35,514
Composite
29.6/100
National rank
#11751
State rank
#1004 of 1400 in CA

Livability — Searles Valley

Score
62/100
State rank
#500
US rank
#16976

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Searles Valley, CA
Population (ZIP)
1,822

Population outlook (San Bernardino County) Hauer SSP2

Today (2025)
2,300,329 people
By 2030
2,378,907 · +3.4%
By 2040
2,523,137 · +9.7%
By 2050
2,642,388 · +14.9%
By 2075
2,880,769 · +25.2%
By 2100
2,909,436 · +26.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (65%)
Race & ethnicity
White 65% Hispanic / Latino 22% Two or more races 14% Black 2% Native American 2% Asian 1%
Hispanic origin (detail)
Mexican 16% Cuban 2%
Common ancestry
Italian 6% Slovak 2% Russian 1%
Foreign-born
2% · Canada, China
Languages at home
94% English-only · Spanish 4% Chinese 1%

Political lean MEDSL · San Bernardino

2024 margin
Toss-up / Even · D 47.5% · R 49.7% · Other 2.8%
2008→2024 swing
-8.5pp toward R · 2008: 6.3pp · 2024: -2.1pp
All cycles
2024: R+2.1 2020: D+10.7 2016: D+9.8 2012: D+5.4 2008: D+6.3

Not yet ingested

Civics

Market trends

HPI YoY
Current HPI
Rent YoY
Metro
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

+453.2% since first listed
8 events — show timeline
  • 2026-04-17 Price Changed $129,999 CRMLS
  • 2026-02-28 Listed $139,999 CRMLS
  • 2023-03-29 Sold (MLS) $65,000 SSMLS
  • 2023-03-27 Sold (Public Records) $65,000 Public Records
  • 2023-03-22 Price Changed $69,500 SSMLS
  • 2023-02-27 Contingent SSMLS
  • 2023-02-10 Listed $79,500 SSMLS
  • 1977-03-01 Sold (Public Records) $23,500 Public Records

Property tax history

+2.6%/yr

Latest (2025): $972 · +1.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…