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C- Composite 51.87
Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +15.0/30.0
  • Appreciation +8.3/10.0
  • ARV discount +7.5/15.0
  • 1% rule +5.0/10.0
  • DSCR +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

$60,000

210 Offerson Rd #304 · Avon, CO 81620
3 bd · 3.0 ba · 1,950 sqft · Timeshare · 133 Days on market
Built 1993 $561/mo HOA · 13% of rent ↓ 8% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks

Own a piece of Beaver Creek forever with this deeded ownership. St. James Place is in the heart of Beaver Creek Village and offers ski-in access, front desk, concierge, underground parking, indoor pool, hot tub, workout room and ideal location just steps to the ski slopes, shops, restaurants and Vilar Center. Week 5 dates for 2027 are January 30th - February 9th plus one summer float week

Key facts

  • Ski-in access
  • Underground parking
  • Hot tub

Tags

DEEDED OWNERSHIPSKI-IN ACCESSUNDERGROUND PARKINGINDOOR POOLHOT TUBWORKOUT ROOM

Property features AI

Finance

  • HOA & community: Association with annual fee; Annual association fee: 6731; Association covers common area maintenance, electricity, gas, heat, management, snow removal, taxes, trash; Community amenities include fitness center and pool

Exterior

  • Home design: Multi-family zoning
  • Construction: Shake roof; Poured in place foundation

Interior

  • Kitchen: Dishwasher; Range; Refrigerator
  • Bedrooms: 3 bedrooms
  • Flooring: Carpet; Tile
  • Bathrooms: 3 full bathrooms
  • Heating & cooling: Central air conditioning; Baseboard heating; Electric heating
  • Interior features: Furnished; Disposal
  • Laundry & utility: Washer; Dryer; Washer/Dryer connections

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/3.0-bath timeshare listed at $60k.

Deal economics

  • At list price, monthly cash flow is $2k ($29k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $60k).
  • Recommended offer: $53k (12.0% below list) — sets the bar for market timing.
  • Cap rate 54.8% vs local median 2.3% in Avon — 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 (#220 in CO) — a middle-class / working-renter tenant base. Strengths: commute A+, health & safety A+, housing B; Watch: schools F, crime D-, amenities F.
  • Eagle County School District No. RE-50 (town): math 22% / reading 42% proficiency, ranked #39 of 86 in CO (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 448 active listings in the ZIP; solid renter incomes; 387 units permitted in Eagle County in 2024 (256 in 5+ unit buildings).
  • At $4,306/mo this rent would consume 50% of the median local household income ($103k/yr) (locally 744% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • In year one you build about $4k of equity ($415 loan paydown + $4k appreciation (6.6% local appreciation)).
  • Eagle County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (6.6% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~1 year — after that, you're playing with house money.
  • By year 8, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 133 days — a 12% lower offer ($53k) is reasonable based on typical stale-listing flexibility.
Recommended offer $52,800 (12.0% below list)

Questions for the listing agent

  1. It's been on market 133 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  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. Crime grade is D 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
7.18%
Cap rate
54.82%
Cash-on-cash
173.31%
DSCR
8.71
GRM
1.2

CMA / ARV

ARV (on-the-fly)
$21,450
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
210 Offerson Rd 0.00mi 3/3.0 1,875 (-4%) 2mo $12,000 $6 92
210 Offerson #105-50 0.00mi 3/3.0 1,950 (0%) 10mo $7,500 $4 92
210 Offerson #419-2 0.00mi 3/3.0 1,875 (-4%) 9mo $40,000 $21 86
210 Offerson #304-12 0.00mi 3/3.0 1,875 (-4%) 10mo $45,000 $24 85
100 E Thomas Pl #2055-Week 2 0.08mi 3/3.0 1,927 (-1%) 13mo $102,500 $53 84
210 Offerson #206-50 0.00mi 3/3.0 1,875 (-4%) 12mo $21,375 $11 84
210 Offerson #315-33 0.00mi 4/5.0 (+1) 1,950 (0%) 9mo $5,000 $3 80
210 Offerson Rd #419, Week 25 0.00mi 3/3.0 1,800 (-8%) 11mo $8,000 $4 78
210 Offerson #419-47 0.00mi 3/3.0 1,758 (-10%) 8mo $500 77
46 Avondale Ln #R-510, Weeks 39 & 40 0.14mi 3/3.0 1,871 (-4%) 12mo $255,000 $136 77
210 Offerson Rd #421, Week 25 0.00mi 3/3.0 1,800 (-8%) 13mo $8,000 $4 76
100 E Thomas Pl 0.08mi 3/3.0 2,200 (+13%) 2mo $145,000 $66 73

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

Projected returns pro-forma

6.63% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
Equity multiple
11.39×
Total profit
$174,554
Equity at exit
$40,147
10-year hold
IRR
Equity multiple
24.38×
Total profit
$392,740
Equity at exit
$74,999

Cash invested: $16,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
38 Tenant-Leaning
State Colorado
38 Tenant-Leaning · D+4
County
— inherits STATE
City
— inherits STATE
2023 reforms: 10-day cure, mandated notice, source-of-income protected. Courts backlogged in Denver.

ZIP-level market 81620

Home prices YoY
1.9%
Active inventory
448
Price-to-rent
1.2×

Monthly cashflow live

Estimated rent
$4,306 medium interval (Pro) →
Mortgage (P&I)
$315
Tax est. 1.5%
$75 /mo · $900/yr
Insurance
$25
HOA
$561
Vacancy / Maint / Mgmt
$904
Net cashflow
$2,426

Break-even live

Break-even rent $1,235
Max offer price $60,000
Occupancy floor 39%

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
$15,000
Closing costs
$1,800
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.

HOA detail

Monthly dues
$561 · $6,732/yr
Likely covers
pooldoorman

Listing history 18 events

  1. 2026-06-19
    days on market $60,000 Active 133 DOM
  2. 2026-06-18
    days on market $60,000 Active 132 DOM
  3. 2026-06-17
    days on market $60,000 Active 131 DOM
  4. 2026-06-16
    days on market $60,000 Active 130 DOM
  5. 2026-06-15
    days on market $60,000 Active 129 DOM
  6. 2026-06-14
    days on market $60,000 Active 127 DOM
  7. 2026-06-12
    days on market $60,000 Active 126 DOM
  8. 2026-06-09
    days on market $60,000 Active 123 DOM
  9. 2026-06-08
    days on market $60,000 Active 122 DOM
  10. 2026-06-07
    days on market $60,000 Active 121 DOM
  11. 2026-06-05
    days on market $60,000 Active 118 DOM
  12. 2026-06-03
    days on market $60,000 Active 117 DOM
  13. 2026-06-02
    days on market $60,000 Active 116 DOM
  14. 2026-06-01
    days on market $60,000 Active 115 DOM
  15. 2026-05-31
    days on market $60,000 Active 114 DOM
  16. 2026-05-30
    days on market $60,000 Active 113 DOM
  17. 2026-02-10
    price $60,000
  18. 2026-02-06
    listed $65,000 Active

ⓘ 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 4/10 Moderate
  • 🌡 Heat 1/10 Low 14 d/yr ≥74°F today · 37 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$51,677
− Mortgage interest
−$3,361
− Property taxes
−$900
− Insurance
−$300
− Repairs & maintenance
−$4,134
− Management
−$4,134
− HOA
−$6,732
− Depreciation
−$1,745
Taxable income
$30,370
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$7,289
After-tax cash flow
$21,828/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
Eagle County School District No. RE-50
NCES district ID
0803540
Math proficiency
22% ▼ -8.00%
Reading proficiency
42% ▼ -4.00%
Median HH income
$73,322
Composite
30.01/100
National rank
#6360
State rank
#39 of 86 in CO

Livability — Avon

Score
61/100
State rank
#220
US rank
#17858

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Eagle County · 42,178 people
City population
10,870
Metro
Edwards, CO
Population (ZIP)
10,870
Household income
$102,775
Rent vs Own
46.9% rent · 53.1% own
Severe rent burden
744.0

Population outlook (Eagle County) Hauer SSP2

Today (2025)
57,837 people
By 2030
59,258 · +2.5%
By 2040
60,698 · +4.9%
By 2050
60,206 · +4.1%
By 2075
54,326 · -6.1%
By 2100
47,000 · -18.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.56)
Race & ethnicity
White 62% Hispanic / Latino 23% Two or more races 23% Asian 3% Black 2%
Hispanic origin (detail)
Mexican 14%
Common ancestry
Italian 3% Scotch-Irish 2% Slovak 2%
Foreign-born
14% · Canada, Dominican Republic
Languages at home
78% English-only · Spanish 15% Other Indo-European 4% Chinese 1%

Political lean MEDSL · Eagle

2024 margin
Strong D (+24.4) · D 61.0% · R 36.5% · Other 2.5%
2008→2024 swing
+1.3pp toward D · 2008: 23.1pp · 2024: 24.4pp
All cycles
2024: D+24.4 2020: D+29.8 2016: D+19.9 2012: D+14.7 2008: D+23.1

Not yet ingested

Civics

Market trends

HPI YoY
▲ 6.63%
Current HPI
363.7493
Rent YoY
Metro
Edwards, CO
State GDP YoY
▲ 1.95%
F500 in state
14

Industry mix (Fortune 500 HQ in CO)

Industry F500 HQs Revenue

Price history

-7.7% since first listed
2 events — show timeline
  • 2026-02-10 Price Changed $60,000 VMLS
  • 2026-02-06 Listed $65,000 VMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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