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2090 Wilcox
C- Composite 50.07
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 +15.6/30.0
  • ARV discount +15.0/15.0
  • DSCR +4.8/10.0
  • 1% rule +4.3/10.0
  • Schools +2.8/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$230,000

2090 Wilcox · Oroville, CA 95966
3 bd · 2.0 ba · 1,525 sqft · SingleFamily public records · 96 Days on market
Built 1903 6,534 sqft lot Est $317k · 27% under

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

Listing remarks MLS

LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

Key facts

  • 6,534 sq ft lot
  • Built 1903
  • Listed 95 days

Property features AI

Finance

  • Other: Single-unit property; No ADU
  • HOA & community: Street lighting; Sidewalks

Exterior

  • Utilities: Public sewer; District/public water
  • Home design: House; Two stories; Front-facing entry; Has a view
  • Construction: Year built (per assessor); No common walls
  • Exterior features: Front yard; Back yard; No pool

Interior

  • Kitchen: Gas range
  • Bedrooms: All bedrooms upstairs; Main level has 2 bedrooms
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Natural gas heating; Solar-assisted energy; Floor furnace; Wall/window cooling
  • Interior features: Front entry; Two levels; Main level has 1 bathroom
  • Laundry & utility: Dedicated laundry room

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 3-bed/2.0-bath single-family listed at $230k.

Deal economics

  • At list price, monthly cash flow is $97 ($1k/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 $215k (6.6% below list).
  • Recommended offer: $209k (9.0% below list) — sets the bar for market timing.
  • Cap rate 6.8% vs local median 4.6% in Oroville — 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 50/100 on livability (#1,136 in CA) — a working-class tenant base; expect higher turnover. Watch: cost of living D, crime F, amenities F.
  • Oroville Union High (town): math 19% / reading 49% proficiency, ranked #300 of 517 in CA (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Oroville High (math 22% / reading 52%, grade F, #578 of 1,170 statewide, top 51%, 936 students, 86% FRL).
  • Market conditions: 373 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 946 units permitted in Butte County in 2024 (254 in 5+ unit buildings).
  • This rent runs 39% of the median local income ($66k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • Butte County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 96 days — a 9% lower offer ($209k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 4y ago; this cycle's ask has dropped $85k (27%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1903 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $209,300 (9.0% below list)

Questions for the listing agent

  1. It's been on market 96 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 1903 — 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 D-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. 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?
  7. 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.
  8. 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.
  9. 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
0.93%
Cap rate
6.80%
Cash-on-cash
1.80%
DSCR
1.08
GRM
8.9

CMA / ARV

ARV (on-the-fly)
$317,200
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2226 Perkins Ave 0.15mi 3/2.0 1,507 (-1%) 10mo $370,000 $246 83
9 Canyon Highlands Dr 0.64mi 3/2.0 1,516 (-1%) 3mo $315,000 $208 67
1645 High St 0.38mi 3/2.5 1,570 (+3%) 14mo $385,000 $245 64
2025 Gray St 0.35mi 2/2.0 (-1) 1,396 (-8%) 8mo $175,000 $125 58
1540 2nd Ave 0.62mi 3/2.0 1,660 (+9%) 0mo $327,200 $197 56
1465 Bridge St 0.53mi 3/2.0 1,453 (-5%) 15mo $299,900 $206 55
3180 Grand Vw 0.73mi 3/2.0 1,616 (+6%) 3mo $310,000 $192 54
1233 1st 0.67mi 2/1.0 (-1) 1,452 (-5%) 1mo $285,000 $196 51
1434 Hammon Ave 0.67mi 2/2.0 (-1) 1,529 (+0%) 15mo $347,500 $227 51
2934 Villa 0.73mi 3/2.0 1,394 (-9%) 4mo $354,000 $254 48
3154 Yard 0.69mi 3/2.0 1,350 (-12%) 6mo $310,600 $230 44
1215 Robinson St 0.60mi 3/2.0 1,318 (-14%) 8mo $213,000 $162 42

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
-13.4%
Equity multiple
0.52×
Total profit
$-31,062
Equity at exit
$34,294
10-year hold
IRR
-4.5%
Equity multiple
0.71×
Total profit
$-18,945
Equity at exit
$19,886

Cash invested: $64,400 (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 95966

Active inventory
373
Price-to-rent
8.9×

Monthly cashflow live

Estimated rent
$2,149 medium interval (Pro) →
Mortgage (P&I)
$1,206
Tax from tax record
$299 /mo · $3,589/yr
Insurance
$96
HOA
$0
Vacancy / Maint / Mgmt
$451
Net cashflow
$97

Break-even live

Break-even rent $2,027
Max offer price $230,000
Occupancy floor 90%

Sensitivity live

Price -10% $227 -5% $162 +0% $97 +5% $32 +10% $-33
Rent -10% $-73 -5% $12 +0% $97 +5% $182 +10% $267
Rate -1.0pp $213 -0.5pp $155 base $97 +0.5pp $37 +1.0pp $-23

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
$57,500
Closing costs
$6,900
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.

Rent comps 3 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
2850 Myers St Oroville, CA 3.0 2.0 1095 $2,200 $2.01 14d 1 0.41mi
1481 Montgomery St Oroville, CA 2.0 2.0 1440 $2,400 $1.67 14d 1 0.59mi
1189 High St Oroville, CA 3.0 2.0 1462 $1,850 $1.27 14d 1 0.61mi

Listing history 43 events

  1. 2026-06-19
    days on market $230,000 Active 96 DOM
  2. 2026-06-18
    days on market $230,000 Active 95 DOM
  3. 2026-06-17
    days on market $230,000 Active 94 DOM
  4. 2026-06-16
    days on market $230,000 Active 93 DOM
  5. 2026-06-15
    days on market $230,000 Active 92 DOM
  6. 2026-06-14
    days on market $230,000 Active 90 DOM
  7. 2026-06-13
    days on market $230,000 Active 89 DOM
  8. 2026-06-10
    days on market $230,000 Active 87 DOM
  9. 2026-06-09
    days on market $230,000 Active 86 DOM
  10. 2026-06-08
    days on market $230,000 Active 85 DOM
  11. 2026-06-07
    days on market $230,000 Active 84 DOM
  12. 2026-06-02
    days on market $230,000 Active 79 DOM
  13. 2026-06-01
    days on market $230,000 Active 78 DOM
  14. 2026-05-31
    days on market $230,000 Active 77 DOM
  15. 2026-05-30
    days on market $230,000 Active 76 DOM
  16. 2026-05-04
    price $235,000
  17. 2026-04-29
    price $245,000
  18. 2026-04-20
    price $255,000
  19. 2026-04-07
    price $265,000
  20. 2026-04-01
    price $275,000
  21. 2026-03-24
    price $285,000
  22. 2026-03-22
    price $294,900
  23. 2026-03-12
    listed $315,000 Active
  24. 2026-01-23
    historical
  25. 2025-12-22
    price $294,900
  26. 2025-10-11
    price $299,900
  27. 2025-09-20
    listed $309,000 Active
  28. 2023-02-28
    soldstatus $260,000 Closed Sale 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  29. 2023-02-28
    soldstatus $260,000
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  30. 2023-02-27
    status Pending Sale 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  31. 2023-02-14
    historical Active Under Contract 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  32. 2023-01-10
    price $260,000 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  33. 2022-11-26
    status Active 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  34. 2022-11-26
    price $265,000 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  35. 2022-11-18
    status Pending Sale 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  36. 2022-11-13
    historical Active Under Contract 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  37. 2022-10-25
    price $275,000 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  38. 2022-10-21
    status Active 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  39. 2022-10-21
    historical Active Under Contract 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  40. 2022-08-31
    price $285,000 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  41. 2022-07-15
    listed $295,000 Active 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  42. 2022-07-10
    historical $295,000 745-char remark
    Show marketing remark (745 chars)

    LIVE IN TOWN. Roomy 3-bedroom home is centrally located in Downtown Oroville, close to stores, restaurants, schools, churches, banks, the public library and all downtown events. This two-story, 1525 s. f. home sits on a tree-shaded lot with a Fenced Yard and off-street parking. Large living room, dining room, and kitchen are on the main floor as well as a bathroom. Another bathroom and 3 bedrooms are upstairs. It has been freshly painted inside and new Vinyl Plank Flooring installed on the main floor. Large kitchen with original cabinetry opens to an enclosed utility porch and the back yard. The Roof was replaced approximately 17 years ago. Dual Pane windows have been installed. Pest repairs are completed and there is a pest clearance.

  43. 2001-12-31
    soldstatus $58,000

ⓘ 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
$3,589 · $299/mo
Projected year-2 tax
$3,589 · $299/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 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
  • 🔥 Wildfire 9/10 Extreme
  • 🌡 Heat 8/10 Severe 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 10/10 Extreme 34 unhealthy d/yr today · 39 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$25,791
− Mortgage interest
−$12,884
− Property taxes
−$3,589
− Insurance
−$1,150
− Repairs & maintenance
−$2,063
− Management
−$2,063
− Depreciation
−$6,691
Taxable loss
−$2,649
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$636
After-tax cash flow
$1,798/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
Oroville Union High
NCES district ID
0629130
Math proficiency
19% ▼ -2.00%
Reading proficiency
49% ▼ -4.00%
Median HH income
$38,085
Composite
28.26/100
National rank
#6794
State rank
#300 of 517 in CA

Livability — Oroville

Score
50/100
State rank
#1136
US rank
#25715

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Oroville, CA
County
Butte County · 175,030 people
City population
49,684
Metro
Chico, CA
Population (ZIP)
28,503
Household income
$65,586
Rent vs Own
26.6% rent · 73.4% own
Severe rent burden
807.0

Population outlook (Butte County) Hauer SSP2

Today (2025)
237,527 people
By 2030
243,804 · +2.6%
By 2040
253,899 · +6.9%
By 2050
262,561 · +10.5%
By 2075
283,709 · +19.4%
By 2100
282,689 · +19.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (67%)
Race & ethnicity
White 67% Hispanic / Latino 18% Two or more races 14% Asian 6% Native American 2% Black 2%
Hispanic origin (detail)
Mexican 16%
Common ancestry
Lithuanian 3% Slovak 3% Portuguese 2%
Foreign-born
6% · Canada
Languages at home
88% English-only · Spanish 7% Other Asian/Pacific 3% Russian/Polish/Slavic 1%

Political lean MEDSL · Butte

2024 margin
Toss-up / Even · D 46.8% · R 49.9% · Other 3.3%
2008→2024 swing
-5.5pp toward R · 2008: 2.4pp · 2024: -3.1pp
All cycles
2024: R+3.1 2020: D+1.7 2016: R+4.0 2012: R+3.9 2008: D+2.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -284.58%
Current HPI
267.1415
Rent YoY
Metro
Chico, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

+305.2% since first listed
28 events — show timeline
  • 2026-05-04 Price Changed $235,000 CRMLS
  • 2026-04-29 Price Changed $245,000 CRMLS
  • 2026-04-20 Price Changed $255,000 CRMLS
  • 2026-04-07 Price Changed $265,000 CRMLS
  • 2026-04-01 Price Changed $275,000 CRMLS
  • 2026-03-24 Price Changed $285,000 CRMLS
  • 2026-03-22 Price Changed $294,900 CRMLS
  • 2026-03-12 Listed $315,000 CRMLS
  • 2026-01-23 Listing Removed CRMLS
  • 2025-12-22 Price Changed $294,900 CRMLS
  • 2025-10-11 Price Changed $299,900 CRMLS
  • 2025-09-20 Listed $309,000 CRMLS
  • 2023-02-28 Sold (Public Records) $260,000 Public Records
  • 2023-02-28 Sold (MLS) $260,000 CRMLS
  • 2023-02-27 Pending CRMLS
  • 2023-02-14 Contingent CRMLS
  • 2023-01-10 Price Changed $260,000 CRMLS
  • 2022-11-26 Relisted CRMLS
  • 2022-11-26 Price Changed $265,000 CRMLS
  • 2022-11-18 Pending CRMLS
  • 2022-11-13 Contingent CRMLS
  • 2022-10-25 Price Changed $275,000 CRMLS
  • 2022-10-21 Relisted CRMLS
  • 2022-10-21 Contingent CRMLS
  • 2022-08-31 Price Changed $285,000 CRMLS
  • 2022-07-15 Listed $295,000 CRMLS
  • 2022-07-10 Coming Soon $295,000 CRMLS
  • 2001-12-31 Sold (Public Records) $58,000 Public Records

Property tax history

+8.9%/yr

Latest (2025): $3,589 · +1.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…