1439 Daniels Run Rd NE · Shawsville, VA
Flood risk 9/10 · Severe
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $666 – $1,236
Heat risk 3/10 · Minor
- Hot days now (above 92°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 2.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A- 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 +30.0/30.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Appreciation +10.0/10.0
- ARV discount +7.5/15.0
- Schools +5.3/10.0
- Livability +3.4/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
$69,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks
The Check community has fond memories of this property situated on a corner 1.5 acre lot that includes a four-bedroom, two bath farmhouse as well as the former Angle Store across the road which was built in 1859 and operated as a country store including gas station and post office. Covered porch, living room, family room and mudroom off kitchen. All bedrooms are located upstairs. Gravel driveway has been added. This is an opportunity to bring this historic property back to life!
Key facts
- Covered porch
- Living room
- Family room
Tags
Property features AI
Exterior
- Parking: Detached garage; Gravel parking; 1 garage space
- Home design: Single-family detached residence; Approximately 2,400 above-grade finished area; Corner lot
- Construction: Shingle roof
- Exterior features: Garden; Porch; Shed(s)
Interior
- Flooring: Hardwood
- Bathrooms: 2 full bathrooms; 1 half bathroom
- Interior features: Pantry; Crawl space basement
- Laundry & utility: Electric water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/1.5-bath single-family listed at $70k.
Deal economics
- At list price, monthly cash flow is $823 ($10k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $70k).
- Recommended offer: $62k (12.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 68/100 on livability (#273 in VA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
- Floyd County Public School District (rural): math 56% / reading 70% proficiency, ranked #51 of 131 in VA (top 39%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Check Elementary (math 42% / reading 57%, grade D, #742 of 1,108 statewide, top 70%, 292 students, 75% FRL); Floyd County High (math 59% / reading 74%, grade B, #195 of 319 statewide, top 62%, 701 students, 74% FRL) — zoned schools average 74% FRL vs 39% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: 14 active listings in the ZIP; 69 units permitted in Floyd County in 2024 (0 in 5+ unit buildings).
Forward outlook
- In year one you build about $7k of equity ($483 loan paydown + $7k appreciation (10.0% local appreciation)).
- Floyd County population projected to shrink 3% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (10.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.
- By year 5, 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 150 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts; this cycle's ask has dropped $38k (35%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: flood insurance adds $66/mo; built in 1929 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe flood risk; moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 150 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1929 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 2.38% ✓
- Cap rate
- 21.56%
- Cash-on-cash
- 54.52%
- DSCR
- 3.43
- GRM
- 3.5
CMA / ARV
No comps found within radius.
Projected returns pro-forma
10.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 64.0%
- Equity multiple
- 5.62×
- Total profit
- $90,506
- Equity at exit
- $62,971
- IRR
- 57.6%
- Equity multiple
- 12.52×
- Total profit
- $225,373
- Equity at exit
- $135,800
Cash invested: $19,572 (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
ZIP-level market 24072
- Home prices YoY
- 8.3%
- Active inventory
- 14
- Price-to-rent
- 3.5×
Monthly cashflow live
- Estimated rent
- $1,663 medium interval (Pro) →
- Mortgage (P&I)
- −$367
- Tax from tax record
- −$29 /mo · $349/yr
- Insurance
- −$29
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$349
- Net cashflow
- $823
Break-even live
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
- $17,475
- Closing costs
- $2,097
- 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 12 events
-
2026-05-30status $69,900 Pending 150 DOM
-
2026-05-21status Active
-
2026-05-21price $69,900
-
2026-03-04status Pending
-
2026-02-03price $1
-
2026-01-21price $79,900
-
2025-12-19price $89,900
-
2025-12-18status Active
-
2025-11-20status Pending
-
2025-10-23price $99,900
-
2025-09-16$107,500 Active
-
2017-09-19soldstatus $110,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast VA · Resets to sale price
- Current annual tax
- $349 · $29/mo
- Projected year-2 tax
- $573 · $48/mo
- Expected delta
- +$224/yr (+$19/mo · 64.1%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
- Wildfire 5/10 Major
- Heat 3/10 Moderate 7 d/yr ≥92°F today · 19 d/yr by 30 yrs out
- Wind 2/10 Low 2% chance of damaging wind over 30 yrs
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 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
- $19,961
- − Mortgage interest
- −$3,915
- − Property taxes
- −$349
- − Insurance
- −$1,147
- − Repairs & maintenance
- −$1,597
- − Management
- −$1,597
- − Depreciation
- −$2,033
- Taxable income
- $9,322
- Est. tax owed @ 24.0%
- −$2,237
- After-tax cash flow
- $7,637/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
- Floyd County Public School District
- NCES district ID
- 5101350
- Math proficiency
- 56% ▼ -26.00%
- Reading proficiency
- 70% ▼ -7.00%
- Median HH income
- $44,955
- Composite
- 53.03/100
- National rank
- #1519
- State rank
- #51 of 131 in VA
Livability — Shawsville
- Score
- 68/100
- State rank
- #273
- US rank
- #9807
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Population (ZIP)
- 1,213
Population outlook (Floyd County) Hauer SSP2
- Today (2025)
- 16,207 people
- By 2030
- 16,340 · +0.8%
- By 2040
- 16,267 · +0.4%
- By 2050
- 15,661 · -3.4%
- By 2075
- 13,756 · -15.1%
- By 2100
- 11,078 · -31.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (99%)
- Race & ethnicity
- White 99%
- Common ancestry
- Slovak 2% Irish 2% Italian 2%
- Foreign-born
- 1%
- Languages at home
- 94% English-only · Spanish 4%
Political lean MEDSL · Floyd
- 2024 margin
- Solid R (+37.2) · D 30.8% · R 68.1% · Other 1.1%
- 2008→2024 swing
- -17.2pp toward R · 2008: -20.0pp · 2024: -37.2pp
- All cycles
- 2024: R+37.2 2020: R+34.2 2016: R+37.5 2012: R+25.4 2008: R+20.0
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 12.96%
- Current HPI
- 169.6939
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 2.40%
- F500 in state
- 50
Industry mix (Fortune 500 HQ in VA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Aerospace / Defense | 4 | $236B |
|
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| Technology / Defense | 3 | $32B |
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| Financial Services | 2 | $176B |
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| Utilities | 2 | $27B |
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| Insurance | 2 | $25B |
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| Technology | 2 | $15B |
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Price history
-36.5% since first listed11 events — show timeline
- 2026-05-21 Relisted — NRVMLS
- 2026-05-21 Price Changed $69,900 NRVMLS
- 2026-03-04 Pending — NRVMLS
- 2026-02-03 Price Changed $1 NRVMLS
- 2026-01-21 Price Changed $79,900 NRVMLS
- 2025-12-19 Price Changed $89,900 NRVMLS
- 2025-12-18 Relisted — NRVMLS
- 2025-11-20 Pending — NRVMLS
- 2025-10-23 Price Changed $99,900 NRVMLS
- 2025-09-16 Listed $107,500 NRVMLS
- 2017-09-19 Sold (Public Records) $110,000 Public Records
Property tax history
-4.4%/yrLatest (2026): $349 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…