63 S Maple St · Russell, KS 67665

$89,900

3 bd · 1.5 ba · 1,587 sqft · SingleFamily public records · 71 Days on market

Built 1918 9,375 sqft lot

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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 +27.3/30.0
• DSCR +9.5/10.0
• Appreciation +8.6/10.0
• ARV discount +7.5/15.0
• 1% rule +7.4/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

Bungalow with large covered front porch. 4 bedroom, 2.5 bath with upstairs bathroom featuring new tub/shower surround. New Roof - 2 yrs. Main floor new windows & new flooring in some rooms. Basement family room could be large, non-conforming bedroom. 1/2 bath main floor, 3/4 bathroom basement. Laundry basement. Large backyard. Located near hospital, with walking trail; grocery, fuel, schools, & downtown. Most plumbing/water lines replaced/updated. ..

Key facts

• Covered front porch
• Study area
• Extra living space

Tags

• COVERED FRONT PORCH
• UNFINISHED BASEMENT
• STUDY AREA
• EXTRA LIVING SPACE

Property features AI

Finance

• Other: Lot is approximately 0.44 acres; Zoning: NC.1 / R-1

Exterior

• Utilities: Public water; Public sewer; Cable available; Natural gas available
• Home design: Residential property; 2 stories
• Construction: Composition roof
• Exterior features: Covered patio/porch

Interior

• Kitchen: Dishwasher; Range; Oven; Refrigerator
• Heating & cooling: Central air; Has cooling
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $262 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $85k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#186 in KS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, schools F, amenities F.
• Russell County (town): math 22% / reading 26% proficiency, ranked #144 of 169 in KS (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 44 active listings in the ZIP; 6 units permitted in Russell County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($622 loan paydown + $7k appreciation (7.3% local appreciation)).
• Russell County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (7.3% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($85k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 10y ago; this cycle's ask has dropped $5k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1918 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate 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 $84,506 (6.0% below list)

Questions for the listing agent

1. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1918 — 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: 1.24% ✓
• Cap rate: 9.78%
• Cash-on-cash: 12.47%
• DSCR: 1.55
• GRM: 6.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

7.29% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 28.3%
• Equity multiple: 2.97×
• Total profit: $49,694
• Equity at exit: $64,032

10-year hold

• IRR: 25.7%
• Equity multiple: 6.24×
• Total profit: $131,882
• Equity at exit: $123,235

Cash invested: $25,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Kansas: 83 Strongly Landlord-Friendly · R+10
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; moderate court pace.

Methodology + full state rankings →

ZIP-level market 67665

• Home prices YoY: 3.8%
• Active inventory: 44
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,117 medium
• Mortgage (P&I): −$471
• Tax est. 1.5%: −$112 /mo · $1,348/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$235
• Net cashflow: $262

Break-even live

Break-even rent $786

Max offer price $89,900

Occupancy floor 72%

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-18
   days on market $89,900 Active 71 DOM
2. 2026-06-17
   days on market $89,900 Active 70 DOM
3. 2026-06-16
   days on market $89,900 Active 69 DOM
4. 2026-06-15
   days on market $89,900 Active 68 DOM
5. 2026-06-13
   days on market $89,900 Active 66 DOM
6. 2026-06-12
   days on market $89,900 Active 65 DOM
7. 2026-06-09
   days on market $89,900 Active 62 DOM
8. 2026-06-08
   days on market $89,900 Active 61 DOM
9. 2026-06-07
   days on market $89,900 Active 60 DOM
10. 2026-06-05
    days on market $89,900 Active 58 DOM
11. 2026-06-04
    days on market $89,900 Active 56 DOM
12. 2026-06-02
    days on market $89,900 Active 55 DOM
13. 2026-06-01
    days on market $89,900 Active 54 DOM
14. 2026-05-31
    days on market $89,900 Active 53 DOM
15. 2026-05-31
    days on market $89,900 Active 52 DOM
16. 2026-04-30
    price $89,900
17. 2026-04-08
    listed $95,000 Active
18. 2023-09-11
    soldstatus Closed 465-char remark

    Show marketing remark (465 chars)

    Bungalow with large covered front porch. 4 bedroom, 2.5 bath with upstairs bathroom featuring new tub/shower surround. New Roof - 2 yrs. Main floor new windows & new flooring in some rooms. Basement family room could be large, non-conforming bedroom. 1/2 bath main floor, 3/4 bathroom basement. Laundry basement. Large backyard. Located near hospital, with walking trail; grocery, fuel, schools, & downtown. Most plumbing/water lines replaced/updated. ..

19. 2023-09-04
    status Pending 465-char remark

    Show marketing remark (465 chars)

    Bungalow with large covered front porch. 4 bedroom, 2.5 bath with upstairs bathroom featuring new tub/shower surround. New Roof - 2 yrs. Main floor new windows & new flooring in some rooms. Basement family room could be large, non-conforming bedroom. 1/2 bath main floor, 3/4 bathroom basement. Laundry basement. Large backyard. Located near hospital, with walking trail; grocery, fuel, schools, & downtown. Most plumbing/water lines replaced/updated. ..

20. 2023-06-30
    price $69,500 465-char remark

    Show marketing remark (465 chars)

    Bungalow with large covered front porch. 4 bedroom, 2.5 bath with upstairs bathroom featuring new tub/shower surround. New Roof - 2 yrs. Main floor new windows & new flooring in some rooms. Basement family room could be large, non-conforming bedroom. 1/2 bath main floor, 3/4 bathroom basement. Laundry basement. Large backyard. Located near hospital, with walking trail; grocery, fuel, schools, & downtown. Most plumbing/water lines replaced/updated. ..

21. 2023-04-14
    listed $78,500 Active 465-char remark

    Show marketing remark (465 chars)

    Bungalow with large covered front porch. 4 bedroom, 2.5 bath with upstairs bathroom featuring new tub/shower surround. New Roof - 2 yrs. Main floor new windows & new flooring in some rooms. Basement family room could be large, non-conforming bedroom. 1/2 bath main floor, 3/4 bathroom basement. Laundry basement. Large backyard. Located near hospital, with walking trail; grocery, fuel, schools, & downtown. Most plumbing/water lines replaced/updated. ..

22. 2021-08-02
    soldstatus 521-char remark

    Show marketing remark (521 chars)

    Tons of old world charm in this 1 1 \ 2 story home. Throughout the home you will find the original trim work and hard wood floors. The home features three nice sized bedrooms on the upper level with a large bathroom. The main floor flows nicely and features a nice sized office space with a half bath. Lots of possibilities outside with the large lot. Property being sold in AS IS condition. For more information or to schedule your personal tour, call Tim at 785-639-6395. Under Contract. Please bring back-up offers. .

23. 2021-06-21
    listed $75,000 521-char remark

    Show marketing remark (521 chars)

    Tons of old world charm in this 1 1 \ 2 story home. Throughout the home you will find the original trim work and hard wood floors. The home features three nice sized bedrooms on the upper level with a large bathroom. The main floor flows nicely and features a nice sized office space with a half bath. Lots of possibilities outside with the large lot. Property being sold in AS IS condition. For more information or to schedule your personal tour, call Tim at 785-639-6395. Under Contract. Please bring back-up offers. .

24. 2017-11-01
    soldstatus
25. 2016-09-08
    listed $65,000

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,409
• − Mortgage interest: −$5,036
• − Property taxes: −$1,348
• − Insurance: −$450
• − Repairs & maintenance: −$1,073
• − Management: −$1,073
• − Depreciation: −$2,615
• Taxable income: $1,815
• Est. tax owed @ 24.0%: −$436
• After-tax cash flow: $2,703/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: Russell County
• NCES district ID: 2011310
• Math proficiency: 22% ▲ 1.00%
• Reading proficiency: 26% ▲ 2.00%
• Median HH income: $41,397
• Composite: 20.4/100
• National rank: #8591
• State rank: #144 of 169 in KS

Livability — Russell

• Score: 69/100
• State rank: #186
• US rank: #8488

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Russell, KS
• Population (ZIP): 4,893

Population outlook (Russell County) Hauer SSP2

• Today (2025): 7,010 people
• By 2030: 7,035 · +0.4%
• By 2040: 7,181 · +2.4%
• By 2050: 7,290 · +4.0%
• By 2075: 8,229 · +17.4%
• By 2100: 8,868 · +26.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 8% Hispanic / Latino 5%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Scotch-Irish 5% Lithuanian 3% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Russell

• 2024 margin: Solid R (+61.3) · D 18.4% · R 79.7% · Other 1.9%
• 2008→2024 swing: -7.5pp toward R · 2008: -53.8pp · 2024: -61.3pp
• All cycles: 2024: R+61.3 2020: R+63.4 2016: R+66.4 2012: R+61.2 2008: R+53.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 7.29%
• Current HPI: 201.0595
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+38.3% since first listed

10 events — show timeline

• 2026-04-30 Price Changed $89,900 Hays MLS
• 2026-04-08 Listed $95,000 Hays MLS
• 2023-09-11 Sold (MLS) — Hays MLS
• 2023-09-04 Pending — Hays MLS
• 2023-06-30 Price Changed $69,500 Hays MLS
• 2023-04-14 Listed $78,500 Hays MLS
• 2021-08-02 Sold (MLS) — Hays MLS
• 2021-06-21 Listed $75,000 Hays MLS
• 2017-11-01 Sold (MLS) — Hays MLS
• 2016-09-08 Listed $65,000 Hays MLS