13671 Cedar St · Searles Valley, CA
Flood risk 1/10 · Minimal
- FEMA flood zone
- D
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $544 – $1,084
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $659 – $1,223
Heat risk 8/10 · Major
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D 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 +14.1/30.0
- ARV discount +6.6/15.0
- Appreciation +5.0/10.0
- DSCR +4.3/10.0
- Livability +3.1/5.0
- Schools +3.0/10.0
- 1% rule +2.8/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
$89,999
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
(PROPERTY IS PRICED BELOW MARKET VALUE TO ATTRACT SHOWINGS, TOURS, AND OFFERS. ALL OFFERS WILL BE REVIEWED on FEBRUARY 30th or UNTIL FURTHER NOTICE)(FINANCING AVAILABLE: FHA, CONVENTIONAL, VA LOAN) Beautifully remodeled and competitively priced home located in the desirable Pioneer Point section of Trona, widely regarded as the “nice part of town. ” Priced at just $89,999, this is by far one of the nicest and most affordable homes currently on the market, offering significantly more value than comparable Trona listings. The home features a full modern remodel including new flooring, updated lighting fixtures, a renovated kitchen and bathroom, and a clean contemporary feel throughout. Situated on a large 0.32-acre lot comprised of two separate parcels (each 0.16 acres), this property offers alley access, two separate entrances, and excellent usability. The oversized one-car garage includes an electric remote-controlled door with convenient drive-in access from the side of the home. Heating and cooling systems are operational, and the property is connected to water, gas, and electric. With ample space, multiple access points, and additional upside for future improvements, this is a rare find in Trona that combines location, condition, and value.
Key facts
- Renovated bathroom
- Remodeled kitchen
- Large lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $90k.
Deal economics
- At list price, monthly cash flow is $14 ($163/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 $70k (22.2% below list).
- Recommended offer: $70k (22.2% below list) — sets the bar for 1% rule.
- Cap rate 6.5% vs local median 10.4% in Searles Valley — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.
Location & tenants
- Location reads 62/100 on livability (#500 in CA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: health & safety C-, schools F, amenities F.
- Trona Joint Unified (rural): math 25% / reading 40% proficiency, ranked #1,004 of 1,400 in CA (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: 56 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
Forward outlook
- In year one you build about $3k of equity ($622 loan paydown + $3k appreciation (3.0% local appreciation)).
- San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
- At projected returns (3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~6 years — after that, you're playing with house money.
- By year 10, 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 83 days — a 6% lower offer ($85k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 83 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
- Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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 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?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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
- 0.78% ✗
- Cap rate
- 6.47%
- Cash-on-cash
- 0.65%
- DSCR
- 1.03
- GRM
- 10.7
CMA / ARV
- ARV (median comp)
- $88,176
- List price
- $89,999
- Delta
- 2.07%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 11 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 13527 Cedar St | 0.18mi | 3/1.5 | 1,084 (-1%) | 10mo | $79,000 | $73 | 80 |
| 13548 Dogwood St | 0.22mi | 3/1.0 | 1,134 (+4%) | 11mo | $115,000 | $101 | 74 |
| 13610 Elm St | 0.22mi | 3/2.0 | 1,116 (+2%) | 12mo | $130,000 | $116 | 72 |
| 13600 Elm St | 0.23mi | 3/2.0 | 1,132 (+4%) | 9mo | $77,000 | $68 | 72 |
| 84565 9th St St | 0.18mi | 3/1.0 | 1,020 (-7%) | 13mo | $100,000 | $98 | 70 |
| 84607 11th St | 0.22mi | 3/2.0 | 1,150 (+5%) | 10mo | $160,000 | $139 | 68 |
| 84537 9th St | 0.19mi | 3/2.0 | 1,227 (+12%) | 1mo | $88,000 | $72 | 66 |
| 84673 9th St | 0.20mi | 4/2.0 (+1) | 1,150 (+5%) | 11mo | $40,500 | $35 | 64 |
| 84640 11th St | 0.21mi | 4/2.0 (+1) | 1,150 (+5%) | 16mo | $129,000 | $112 | 59 |
| 13876 Elm St | 0.29mi | 4/2.0 (+1) | 1,150 (+5%) | 17mo | $155,000 | $135 | 55 |
| 84668 Searles St | 0.40mi | 3/1.0 | 950 (-13%) | 16mo | $95,000 | $100 | 46 |
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
- IRR
- 8.1%
- Equity multiple
- 1.46×
- Total profit
- $11,668
- Equity at exit
- $40,467
- IRR
- 10.7%
- Equity multiple
- 2.60×
- Total profit
- $40,281
- Equity at exit
- $62,365
Cash invested: $25,200 (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
ZIP-level market 93562
- Active inventory
- 56
- Price-to-rent
- 10.7×
Monthly cashflow live
- Estimated rent
- $700 medium interval (Pro) →
- Mortgage (P&I)
- −$472
- Tax from tax record
- −$30 /mo · $359/yr
- Insurance
- −$37
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$147
- Net cashflow
- $14
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
- $22,500
- Closing costs
- $2,700
- 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 2 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 13358 Verbena St Trona, CA | 2.0 | 1.0 | 835 | $700 | $0.84 | 43d | 1 | 1.49mi |
| 13366 Verbena St Trona, CA | 2.0 | 1.0 | 800 | $700 | $0.88 | 43d | 1 | 1.49mi |
Listing history 19 events
-
2026-06-18days on market $89,999 Active 83 DOM
-
2026-06-17days on market $89,999 Active 82 DOM
-
2026-06-16days on market $89,999 Active 81 DOM
-
2026-06-15days on market $89,999 Active 80 DOM
-
2026-06-14days on market $89,999 Active 78 DOM
-
2026-06-13days on market $89,999 Active 77 DOM
-
2026-06-10days on market $89,999 Active 75 DOM
-
2026-06-09days on market $89,999 Active 74 DOM
-
2026-06-08days on market $89,999 Active 73 DOM
-
2026-06-07days on market $89,999 Active 72 DOM
-
2026-06-05days on market $89,999 Active 69 DOM
-
2026-06-03days on market $89,999 Active 68 DOM
-
2026-06-03days on market $89,999 Active 67 DOM
-
2026-06-01days on market $89,999 Active 66 DOM
-
2026-05-31days on market $89,999 Active 65 DOM
-
2026-04-08$89,999 Active 1277-char remark
Show marketing remark (1277 chars)
(PROPERTY IS PRICED BELOW MARKET VALUE TO ATTRACT SHOWINGS, TOURS, AND OFFERS. ALL OFFERS WILL BE REVIEWED on FEBRUARY 30th or UNTIL FURTHER NOTICE)(FINANCING AVAILABLE: FHA, CONVENTIONAL, VA LOAN) Beautifully remodeled and competitively priced home located in the desirable Pioneer Point section of Trona, widely regarded as the “nice part of town. ” Priced at just $89,999, this is by far one of the nicest and most affordable homes currently on the market, offering significantly more value than comparable Trona listings. The home features a full modern remodel including new flooring, updated lighting fixtures, a renovated kitchen and bathroom, and a clean contemporary feel throughout. Situated on a large 0.32-acre lot comprised of two separate parcels (each 0.16 acres), this property offers alley access, two separate entrances, and excellent usability. The oversized one-car garage includes an electric remote-controlled door with convenient drive-in access from the side of the home. Heating and cooling systems are operational, and the property is connected to water, gas, and electric. With ample space, multiple access points, and additional upside for future improvements, this is a rare find in Trona that combines location, condition, and value.
-
2026-03-31soldstatus Closed Sale 1277-char remark
Show marketing remark (1277 chars)
(PROPERTY IS PRICED BELOW MARKET VALUE TO ATTRACT SHOWINGS, TOURS, AND OFFERS. ALL OFFERS WILL BE REVIEWED on FEBRUARY 30th or UNTIL FURTHER NOTICE)(FINANCING AVAILABLE: FHA, CONVENTIONAL, VA LOAN) Beautifully remodeled and competitively priced home located in the desirable Pioneer Point section of Trona, widely regarded as the “nice part of town. ” Priced at just $89,999, this is by far one of the nicest and most affordable homes currently on the market, offering significantly more value than comparable Trona listings. The home features a full modern remodel including new flooring, updated lighting fixtures, a renovated kitchen and bathroom, and a clean contemporary feel throughout. Situated on a large 0.32-acre lot comprised of two separate parcels (each 0.16 acres), this property offers alley access, two separate entrances, and excellent usability. The oversized one-car garage includes an electric remote-controlled door with convenient drive-in access from the side of the home. Heating and cooling systems are operational, and the property is connected to water, gas, and electric. With ample space, multiple access points, and additional upside for future improvements, this is a rare find in Trona that combines location, condition, and value.
-
2026-02-11status Pending Sale 1277-char remark
Show marketing remark (1277 chars)
(PROPERTY IS PRICED BELOW MARKET VALUE TO ATTRACT SHOWINGS, TOURS, AND OFFERS. ALL OFFERS WILL BE REVIEWED on FEBRUARY 30th or UNTIL FURTHER NOTICE)(FINANCING AVAILABLE: FHA, CONVENTIONAL, VA LOAN) Beautifully remodeled and competitively priced home located in the desirable Pioneer Point section of Trona, widely regarded as the “nice part of town. ” Priced at just $89,999, this is by far one of the nicest and most affordable homes currently on the market, offering significantly more value than comparable Trona listings. The home features a full modern remodel including new flooring, updated lighting fixtures, a renovated kitchen and bathroom, and a clean contemporary feel throughout. Situated on a large 0.32-acre lot comprised of two separate parcels (each 0.16 acres), this property offers alley access, two separate entrances, and excellent usability. The oversized one-car garage includes an electric remote-controlled door with convenient drive-in access from the side of the home. Heating and cooling systems are operational, and the property is connected to water, gas, and electric. With ample space, multiple access points, and additional upside for future improvements, this is a rare find in Trona that combines location, condition, and value.
-
2026-01-30$89,999 Active 1277-char remark
Show marketing remark (1277 chars)
(PROPERTY IS PRICED BELOW MARKET VALUE TO ATTRACT SHOWINGS, TOURS, AND OFFERS. ALL OFFERS WILL BE REVIEWED on FEBRUARY 30th or UNTIL FURTHER NOTICE)(FINANCING AVAILABLE: FHA, CONVENTIONAL, VA LOAN) Beautifully remodeled and competitively priced home located in the desirable Pioneer Point section of Trona, widely regarded as the “nice part of town. ” Priced at just $89,999, this is by far one of the nicest and most affordable homes currently on the market, offering significantly more value than comparable Trona listings. The home features a full modern remodel including new flooring, updated lighting fixtures, a renovated kitchen and bathroom, and a clean contemporary feel throughout. Situated on a large 0.32-acre lot comprised of two separate parcels (each 0.16 acres), this property offers alley access, two separate entrances, and excellent usability. The oversized one-car garage includes an electric remote-controlled door with convenient drive-in access from the side of the home. Heating and cooling systems are operational, and the property is connected to water, gas, and electric. With ample space, multiple access points, and additional upside for future improvements, this is a rare find in Trona that combines location, condition, and value.
ⓘ 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
- $359 · $30/mo
- Projected year-2 tax
- $684 · $57/mo
- Expected delta
- +$325/yr (+$27/mo · 90.4%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone D · 0% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 8/10 Severe 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 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
- $8,400
- − Mortgage interest
- −$5,041
- − Property taxes
- −$359
- − Insurance
- −$450
- − Repairs & maintenance
- −$672
- − Management
- −$672
- − Depreciation
- −$2,618
- Taxable loss
- −$1,413
- Est. tax savings @ 24.0%
- +$339
- After-tax cash flow
- $502/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
- Trona Joint Unified
- NCES district ID
- 0639840
- Math proficiency
- 25% ▲ 5.00%
- Reading proficiency
- 40% ▲ 5.00%
- Median HH income
- $35,514
- Composite
- 29.6/100
- National rank
- #11751
- State rank
- #1004 of 1400 in CA
Livability — Searles Valley
- Score
- 62/100
- State rank
- #500
- US rank
- #16976
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Searles Valley, CA
- Population (ZIP)
- 1,822
Population outlook (San Bernardino County) Hauer SSP2
- Today (2025)
- 2,300,329 people
- By 2030
- 2,378,907 · +3.4%
- By 2040
- 2,523,137 · +9.7%
- By 2050
- 2,642,388 · +14.9%
- By 2075
- 2,880,769 · +25.2%
- By 2100
- 2,909,436 · +26.5%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (65%)
- Race & ethnicity
- White 65% Hispanic / Latino 22% Two or more races 14% Black 2% Native American 2% Asian 1%
- Hispanic origin (detail)
- Mexican 16% Cuban 2%
- Common ancestry
- Italian 6% Slovak 2% Russian 1%
- Foreign-born
- 2% · Canada, China
- Languages at home
- 94% English-only · Spanish 4% Chinese 1%
Political lean MEDSL · San Bernardino
- 2024 margin
- Toss-up / Even · D 47.5% · R 49.7% · Other 2.8%
- 2008→2024 swing
- -8.5pp toward R · 2008: 6.3pp · 2024: -2.1pp
- All cycles
- 2024: R+2.1 2020: D+10.7 2016: D+9.8 2012: D+5.4 2008: D+6.3
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- —
- Current HPI
- —
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 3.21%
- F500 in state
- 116
Industry mix (Fortune 500 HQ in CA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Technology | 27 | $1,492B |
|
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| Financial Services | 3 | $174B |
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| Retail | 3 | $44B |
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| Insurance | 3 | $26B |
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| Media / Entertainment | 2 | $115B |
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| Pharmaceuticals / Biotech | 2 | $62B |
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Price history
+0.0% since first listed4 events — show timeline
- 2026-04-08 Listed $89,999 CRMLS
- 2026-03-31 Sold (MLS) — CRMLS
- 2026-02-11 Pending — CRMLS
- 2026-01-30 Listed $89,999 CRMLS
Property tax history
+39.9%/yrLatest (2025): $359 · +1.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…