107 Rosewood Dr · Hampton, VA 23669

$145,100

3 bd · 1.0 ba · 1,085 sqft · SingleFamily public records · 10 Days on market

Built 1952 10,680 sqft lot Est $258k · 44% under

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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 +26.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.2/10.0
• 1% rule +7.3/10.0
• Schools +5.5/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Estimated resale value is $280,000. This is one you go to seminars to learn how to buy. 3 bedrooms, detached garage, large lot. Close and easy access to Langley AFB and Norfolk Naval.

Key facts

• Large lot
• Detached garage
• 0.25 acre lot

Tags

• DETACHED GARAGE
• LARGE LOT
• EASY ACCESS TO LANGLEY AFB
• EASY ACCESS TO NORFOLK NAVAL

Property features AI

Finance

• HOA & community: No HOA fees indicated

Exterior

• Parking: Detached 1-car garage (about 320 sq ft)
• Utilities: City/County water; City/County sewer; Electric water heater; Central air; Forced hot air heating
• Home design: Detached ranch-style home; Single-story; Built on slab foundation; Simple ownership
• Construction: Asphalt shingle roof; Aluminum exterior siding; Slab foundation
• Exterior features: Aluminum siding; Lot approximately 0.245 acres; Lot dimensions approximately 178 x 60 (front 60, depth 178)

Interior

• Bedrooms: Bedroom and full bathroom on the first floor; 6 total rooms
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced hot air heating; Central air conditioning
• Interior features: Carpet and vinyl flooring
• Laundry & utility: Washer hookup; Dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $395 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $145k).
• Cap rate 9.6% vs local median 4.5% in Hampton — 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 75/100 on livability (#133 in VA, #4,302 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living A; Watch: crime C-, amenities D+, commute F.
• Hampton City Public School District (urban): math 60% / reading 70% proficiency, ranked #40 of 131 in VA (top 30%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Barron Elementary (math 62% / reading 77%, grade A-, #313 of 1,108 statewide, top 32%, 368 students, 87% FRL); Benjamin Syms Middle (math 62% / reading 64%, grade B+, #134 of 342 statewide, top 40%, 897 students, 69% FRL); Kecoughtan High (math 68% / reading 87%, grade A-, #83 of 319 statewide, top 28%, 1,564 students, 86% FRL) — zoned schools average 81% FRL vs 49% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+5.4%/yr); 235 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 68 units permitted in Hampton city in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Hampton County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.4% rent growth), your $41k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $65k; list at $145k implies a 124% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,100

Questions for the listing agent

1. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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.
5. 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.
6. 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: 1.23% ✓
• Cap rate: 9.56%
• Cash-on-cash: 11.66%
• DSCR: 1.52
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $258,230
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
119 Rosewood Dr	0.07mi	3/2.0	1,050 (-3%)	1mo	$275,000	$262	86
5 Kingslee Ln	0.28mi	3/1.5	1,100 (+1%)	1mo	$274,500	$250	82
105 Glenwood Rd	0.07mi	3/2.0	1,160 (+7%)	2mo	$272,000	$234	80
2 Boeing Ave	0.32mi	3/1.0	1,047 (-4%)	2mo	$165,000	$158	78
3 E Preston St	0.41mi	3/2.0	1,071 (-1%)	5mo	$255,000	$238	70
18 Clemwood Pkwy	0.14mi	3/1.0	952 (-12%)	6mo	$244,700	$257	68
132 Roland Dr	0.73mi	3/1.0	1,080 (-0%)	2mo	$100,000	$93	64
65 Cavalier Rd	0.64mi	3/2.0	1,070 (-1%)	0mo	$151,500	$142	64
18 Beverly St	0.24mi	3/2.0	1,215 (+12%)	3mo	$291,500	$240	62
12 E Lamington Rd	0.36mi	3/2.0	1,167 (+8%)	6mo	$265,000	$227	62
49 Madrid Dr	0.50mi	3/1.0	1,000 (-8%)	2mo	$286,000	$286	62
200 Madrid Dr	0.53mi	3/1.5	1,202 (+11%)	7mo	$275,000	$229	50

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 · 5.44% rent growth · sell at horizon

5-year hold

• IRR: 3.8%
• Equity multiple: 1.15×
• Total profit: $6,146
• Equity at exit: $21,635

10-year hold

• IRR: 15.5%
• Equity multiple: 2.41×
• Total profit: $57,180
• Equity at exit: $12,546

Cash invested: $40,628 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State Virginia: 55 Moderately Landlord-Leaning · D+2
• County: — inherits STATE
• City: — inherits STATE

VRLTA gives some tenant protections; Northern Virginia courts slower; rural VA landlord-leaning.

Methodology + full state rankings →

ZIP-level market 23669

• Rents YoY: 5.4%
• Active inventory: 235
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,780 high
• Mortgage (P&I): −$761
• Tax from tax record: −$190 /mo · $2,282/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $395

Break-even live

Break-even rent $1,280

Max offer price $145,100

Occupancy floor 73%

Sensitivity live

Price	-10% $477	-5% $436	+0% $395	+5% $354	+10% $313
Rent	-10% $254	-5% $325	+0% $395	+5% $465	+10% $536
Rate	-1.0pp $468	-0.5pp $432	base $395	+0.5pp $357	+1.0pp $319

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: $36,275
• Closing costs: $4,353
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12 Clemwood Pkwy Hampton, VA	3.0	2.0	1200	$1,745	$1.45	25d	1	0.12mi
13 Beverly St Hampton, VA	3.0	1.0	1050	$1,800	$1.71	5d	1	0.24mi
1568 N King St Hampton, VA	1.0–2.0	1.0	634	$1,425	$2.25	3d	17	0.33mi
102 Tyburn Ct Hampton, VA	3.0	2.5	1500	$2,000	$1.33	14d	1	0.36mi
212 Pine Grove Ave Hampton, VA	2.0	1.0	720	$1,500	$2.08	25d	1	0.37mi
1563 N King St Hampton, VA	2.0	2.0	1087	$1,612	$1.48	25d	2	0.38mi
13 W Lamington Rd Hampton, VA	3.0	1.5	1415	$2,050	$1.45	45d	1	0.39mi
1563 N King St Unit 105 Hampton, VA	2.0	2.0	1087	$1,675	$1.54	45d	1	0.39mi
1711 N King St Unit 18 Hampton, VA	2.0	1.0	815	$1,425	$1.75	45d	1	0.47mi
109 Peachtree Ln Hampton, VA	3.0	2.0	984	$1,795	$1.82	16d	1	0.71mi
450 Cedar Dr Hampton, VA	3.0	1.0	912	$1,500	$1.64	13d	1	0.77mi
24 Cavalier Rd Hampton, VA	3.0	2.0	1014	$1,850	$1.82	5d	1	0.82mi
105 Roland Dr Hampton, VA	2.0	1.0	750	$1,250	$1.67	16d	1	0.83mi
232 W Gilbert St Hampton, VA	1.0–2.0	1.0	767	$1,371	$1.79	3d	1	0.91mi
323 Roane Dr Hampton, VA	3.0	1.0	974	$1,495	$1.53	5d	1	1.05mi
28 Monroe Dr Hampton, VA	3.0	1.0	1110	$1,600	$1.44	45d	1	1.08mi
132 Tide Mill Ln Hampton, VA	2.0	1.5	1000	$1,550	$1.55	3d	1	1.20mi
19 Bernard Ave Hampton, VA	2.0	1.0	906	$995	$1.10	22d	1	1.34mi
17 S Gawain Way Hampton, VA	3.0	1.5	1460	$1,895	$1.30	4d	1	1.44mi
31 Saxony Pl Hampton, VA	3.0	2.5	1315	$1,645	$1.25	18d	1	1.48mi
99 Tide Mill Ln Hampton, VA	1.0–4.0	1.0–2.0	1145	$2,319	$2.03	3d	19	1.49mi

Listing history 10 events

1. 2026-06-18
   status $145,100 Under Contract 10 DOM
2. 2026-06-18
   days on market $145,100 Active 10 DOM
3. 2026-06-17
   price $145,100 Active 9 DOM
4. 2026-06-17
   days on market $145,000 Active 9 DOM
5. 2026-06-16
   days on market $145,000 Active 8 DOM
6. 2026-06-15
   days on market $145,000 Active 7 DOM
7. 2026-06-13
   days on market $145,000 Active 5 DOM
8. 2026-06-13
   days on market $145,000 Active 4 DOM
9. 2026-06-08
   remarks 183-char remark
10. 2026-06-08
    listed $145,000 Active 1 DOM

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

Tax reassessment forecast VA · Resets to sale price

• Current annual tax: $2,282 · $190/mo
• Projected year-2 tax: $2,282 · $190/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 5/10 Major FEMA zone X (unshaded) · 51% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥104°F today · 17 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,363
• − Mortgage interest: −$8,128
• − Property taxes: −$2,282
• − Insurance: −$726
• − Repairs & maintenance: −$1,709
• − Management: −$1,709
• − Depreciation: −$4,221
• Taxable income: $2,589
• Est. tax owed @ 24.0%: −$621
• After-tax cash flow: $4,117/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: Hampton City Public School District
• NCES district ID: 5101800
• Math proficiency: 60% ▼ -21.00%
• Reading proficiency: 70% ▼ -4.00%
• Median HH income: $50,089
• Composite: 55.19/100
• National rank: #1272
• State rank: #40 of 131 in VA

Livability — Hampton

• Score: 75/100
• State rank: #133
• US rank: #4302

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hampton, VA
• County: Hampton City · 132,421 people
• City population: 132,421
• Metro: Virginia Beach-Norfolk-Newport News, VA-NC
• Population (ZIP): 39,884
• Household income: $71,222
• Rent vs Own: 40.4% rent · 59.6% own
• Severe rent burden: 2130.0

Population outlook (Hampton County) Hauer SSP2

• Today (2025): 134,055 people
• By 2030: 131,753 · -1.7%
• By 2040: 125,017 · -6.7%
• By 2050: 116,825 · -12.9%
• By 2075: 97,033 · -27.6%
• By 2100: 76,188 · -43.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: Black 46% White 39% Two or more races 9% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Slovak 2% Italian 1% Romanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 3% Other Asian/Pacific 1%

Political lean MEDSL · Hampton

• 2024 margin: Solid D (+39.9) · D 69.2% · R 29.4% · Other 1.4%
• 2008→2024 swing: +1.0pp no change · 2008: 38.9pp · 2024: 39.9pp
• All cycles: 2024: D+39.9 2020: D+42.2 2016: D+37.8 2012: D+45.4 2008: D+38.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -150.40%
• Current HPI: 276.4636
• Rent YoY: ▲ 5.44%
• Metro: Virginia Beach-Norfolk-Newport News, VA-NC
• State GDP YoY: ▲ 2.40%
• F500 in state: 50

Industry mix (Fortune 500 HQ in VA)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	4	$236B
▸Technology / Defense	3	$32B
▸Financial Services	2	$176B
▸Utilities	2	$27B
▸Insurance	2	$25B
▸Technology	2	$15B

Price history

+306.2% since first listed

4 events — show timeline

• 2026-06-08 Listed $145,000 REINMLS
• 2006-04-07 Sold (Public Records) $64,828 Public Records
• 1998-07-01 Sold (Public Records) $72,000 Public Records
• 1998-06-26 Sold (Public Records) $35,700 Public Records

Property tax history

+10.4%/yr

Latest (2025): $2,282 · +24.7% YoY. Source: county tax records.