671 W Judi St · Casa Grande, AZ 85122

$259,900

3 bd · 2.0 ba · 1,384 sqft · SingleFamily public records · 2 Days on market

Built 2005 5,939 sqft lot Est $260k · at est. $65/mo HOA · 3% of rent

---

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 +13.8/30.0
• ARV discount +7.6/15.0
• DSCR +4.2/10.0
• Rent growth +3.7/5.0
• 1% rule +3.1/10.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

THIS IS AN AMAZING BANK OWNED HOME. IT IS MOVE-IN READY AND OFFERS 3-BEDROOMS AND 1.75-BATHROOMS, GRANITE COUNTERS IN THE KITHEN WITH CHERRY CABINETS. YOU WILL LOVE THIS HOME FROM THE MOMENT YOU WALK IN. DO NOT HESITATE ON THIS HOME!! IT WILL NOT LAST AT THIS PRICE. SEND US AN OFFER TODAY!!

Key facts

• 5,939 sq ft lot
• 2 garage spots
• Built 2005

Property features AI

Finance

• Other: Lot size approximately 5,939 sq ft; Property data sourced from assessor
• HOA & community: Homeowners association with $65 monthly fee (includes grounds maintenance); Community playground; Biking/walking path

Exterior

• Parking: 2 covered garage spaces; 2 open parking spaces; Garage door opener
• Utilities: Public sewer; Private water company
• Home design: Single-family residence; Fee simple ownership
• Construction: Stucco and painted wood-frame construction; Tile and rolled/hot mop roof
• Exterior features: Sprinklers in front and rear; Corner lot; Desert front landscaping; Gravel/stone front and back; Grass in back; Block fencing

Interior

• Kitchen: Built-in microwave; Refrigerator; Dishwasher; Garbage disposal; Walk-in pantry
• Bedrooms: Up to 3 bedrooms
• Flooring: Carpet; Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning; Ceiling fans; Programmable thermostat
• Interior features: High-speed internet; Granite counters; Double vanity in bathroom; Eat-in kitchen; No interior steps; Pantry; Master bedroom with 3/4 bath; Low-emissivity dual-pane windows
• Laundry & utility: Laundry room inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $26 ($310/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 $211k (18.9% below list).
• Recommended offer: $211k (18.9% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 4.1% in Casa Grande — 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 58/100 on livability (#220 in AZ) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D+, employment D+, amenities F.
• Casa Grande Union High School District (4453) (suburban): math 14% / reading 21% proficiency, ranked #193 of 249 in AZ (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Casa Grande Union High School (math 18% / reading 25%, grade F, #217 of 381 statewide, top 57%, 2,132 students, 52% FRL).
• Market conditions: Rents rising fast (+4.6%/yr); 628 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 9,504 units permitted in Pinal County in 2024 (776 in 5+ unit buildings).
• This rent runs 37% of the median local income ($68k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 20y ago 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.
• Current owner paid $98k; list at $260k implies a 167% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $210,846 (18.9% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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?
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: 0.81% ✗
• Cap rate: 6.41%
• Cash-on-cash: 0.43%
• DSCR: 1.02
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $260,192
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
669 W Silver Reef Ct	0.05mi	3/2.0	1,384 (0%)	4mo	$260,000	$188	94
659 W Jahns Ct	0.11mi	3/2.0	1,548 (+12%)	0mo	$277,900	$180	75
569 W Jardin Loop	0.32mi	3/2.0	1,337 (-3%)	6mo	$259,500	$194	74
667 W Jardin Dr	0.20mi	3/2.0	1,516 (+10%)	2mo	$260,000	$172	73
684 W Jardin Dr	0.22mi	3/2.0	1,517 (+10%)	1mo	$266,000	$175	73
692 W Jardin Dr	0.22mi	3/2.0	1,524 (+10%)	6mo	$262,000	$172	68
727 W Judi Dr	0.10mi	4/2.0 (+1)	1,569 (+13%)	1mo	$296,000	$189	67
771 W Fairlane Ct	0.42mi	3/2.0	1,489 (+8%)	2mo	$260,000	$175	66
592 W Gabrilla Ct	0.27mi	3/2.0	1,569 (+13%)	2mo	$310,000	$198	64
2122 N Sweetwater Dr	0.72mi	3/2.0	1,330 (-4%)	2mo	$305,000	$229	58
119 W Silver Reef Rd	0.63mi	4/2.0 (+1)	1,333 (-4%)	9mo	$250,000	$188	52
2127 N Nancy Ln	0.74mi	3/2.0	1,550 (+12%)	3mo	$337,000	$217	43

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 · 4.6% rent growth · sell at horizon

5-year hold

• IRR: -14.0%
• Equity multiple: 0.49×
• Total profit: $-37,085
• Equity at exit: $38,752

10-year hold

• IRR: -3.0%
• Equity multiple: 0.78×
• Total profit: $-15,815
• Equity at exit: $22,471

Cash invested: $72,772 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Arizona: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

Methodology + full state rankings →

ZIP-level market 85122

• Home prices YoY: -22.4%
• Rents YoY: 4.6%
• Active inventory: 628
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,108 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$104 /mo · $1,243/yr
• Insurance: −$108
• HOA: −$65
• Vacancy / Maint / Mgmt: −$443
• Net cashflow: $26

Break-even live

Break-even rent $2,076

Max offer price $259,900

Occupancy floor 94%

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: $64,975
• Closing costs: $7,797
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
736 W Palo Verde Dr Casa Grande, AZ	3.0	2.0	1810	$3,550	$1.96	24d	1	0.21mi
767 W Barrus Dr Casa Grande, AZ	3.0	2.0	1463	$1,695	$1.16	24d	1	0.21mi
645 W Jardin Dr Casa Grande, AZ	3.0	2.0	1309	$1,650	$1.26	24d	1	0.24mi
803 W Jardin Dr Casa Grande, AZ	3.0	2.0	1491	$1,725	$1.16	4d	1	0.30mi
520 W Casa Mirage Ct Casa Grande, AZ	3.0	2.0	1536	$1,600	$1.04	4d	1	0.47mi
776 W Fairlane Ct Casa Grande, AZ	3.0	2.0	1489	$3,200	$2.15	24d	1	0.48mi
845 W Crooked Stick Dr Casa Grande, AZ	3.0	2.0	1601	$2,000	$1.25	24d	1	0.60mi
2094 N Sweetwater Dr Casa Grande, AZ	3.0	2.0	1266	$1,700	$1.34	24d	1	0.67mi
1858 N Center Ave Casa Grande, AZ	2.0	2.0	1146	$1,500	$1.31	24d	1	0.72mi
1846 N Princeton Ave Casa Grande, AZ	4.0	2.0	1786	$1,750	$0.98	4d	1	0.93mi
541 W Melrose Dr Casa Grande, AZ	3.0	2.0	1101	$1,600	$1.45	24d	1	0.97mi
1113 W Corinthian Cir Casa Grande, AZ	3.0	2.0	981	$1,395	$1.42	14d	1	1.07mi
1640 N Cameron St Unit 1640 Casa Grande, AZ	3.0	2.5	1577	$3,250	$2.06	24d	1	1.17mi
1640 N Cameron St Casa Grande, AZ	3.0	2.0	1577	$3,250	$2.06	21d	1	1.17mi
1640 N Cameron St Casa Grande, AZ	3.0	2.0	1577	$3,250	$2.06	23d	1	1.17mi
1642 N Cameron St Casa Grande, AZ	3.0	2.5	1577	$3,250	$2.06	24d	1	1.18mi
1641 N Kadota Ave Casa Grande, AZ	1.0–2.0	1.0–2.0	750	$1,100	$1.47	1d	3	1.25mi
1926 N Avenida de Palmas Casa Grande, AZ	2.0	2.0	1106	$1,199	$1.08	21d	3	1.34mi
1564 N Morrison Ave Casa Grande, AZ	2.0–3.0	2.0	871	$1,318	$1.51	1d	20	1.36mi
1775 N Terrace Cir Casa Grande, AZ	3.0	2.0	1628	$1,699	$1.04	14d	1	1.38mi
2356 N Sand Hills Ct Casa Grande, AZ	3.0	2.0	1209	$1,995	$1.65	14d	1	1.41mi

HOA detail

• Monthly dues: $65 · $780/yr

Listing history 7 events

1. 2026-05-10
   status Pending
2. 2026-05-08
   listed $259,900 Active
3. 2008-11-20
   soldstatus $97,500 291-char remark

   Show marketing remark (291 chars)

   THIS IS AN AMAZING BANK OWNED HOME. IT IS MOVE-IN READY AND OFFERS 3-BEDROOMS AND 1.75-BATHROOMS, GRANITE COUNTERS IN THE KITHEN WITH CHERRY CABINETS. YOU WILL LOVE THIS HOME FROM THE MOMENT YOU WALK IN. DO NOT HESITATE ON THIS HOME!! IT WILL NOT LAST AT THIS PRICE. SEND US AN OFFER TODAY!!

4. 2008-10-23
   historical 291-char remark

   Show marketing remark (291 chars)

   THIS IS AN AMAZING BANK OWNED HOME. IT IS MOVE-IN READY AND OFFERS 3-BEDROOMS AND 1.75-BATHROOMS, GRANITE COUNTERS IN THE KITHEN WITH CHERRY CABINETS. YOU WILL LOVE THIS HOME FROM THE MOMENT YOU WALK IN. DO NOT HESITATE ON THIS HOME!! IT WILL NOT LAST AT THIS PRICE. SEND US AN OFFER TODAY!!

5. 2008-10-09
   listed $97,500 291-char remark

   Show marketing remark (291 chars)

   THIS IS AN AMAZING BANK OWNED HOME. IT IS MOVE-IN READY AND OFFERS 3-BEDROOMS AND 1.75-BATHROOMS, GRANITE COUNTERS IN THE KITHEN WITH CHERRY CABINETS. YOU WILL LOVE THIS HOME FROM THE MOMENT YOU WALK IN. DO NOT HESITATE ON THIS HOME!! IT WILL NOT LAST AT THIS PRICE. SEND US AN OFFER TODAY!!

6. 2006-11-20
   historical
7. 2006-08-07
   listed $189,000

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

Tax reassessment forecast AZ · Resets to sale price

• Current annual tax: $1,243 · $104/mo
• Projected year-2 tax: $1,715 · $143/mo
• Expected delta: +$472/yr (+$39/mo · 38.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 6 d/yr ≥113°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,302
• − Mortgage interest: −$14,558
• − Property taxes: −$1,243
• − Insurance: −$1,300
• − Repairs & maintenance: −$2,024
• − Management: −$2,024
• − HOA: −$780
• − Depreciation: −$7,561
• Taxable loss: −$4,189
• Est. tax savings @ 24.0%: +$1,005
• After-tax cash flow: $1,315/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: Casa Grande Union High School District (4453)
• NCES district ID: 0401740
• Math proficiency: 14% ▼ -15.00%
• Reading proficiency: 21% ▼ -10.00%
• Median HH income: $45,373
• Composite: 15.38/100
• National rank: #9319
• State rank: #193 of 249 in AZ

Livability — Casa Grande

• Score: 58/100
• State rank: #220
• US rank: #21534

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Casa Grande, AZ
• County: Pinal County · 399,947 people
• City population: 69,701
• Metro: Phoenix-Mesa-Chandler, AZ
• Population (ZIP): 61,624
• Household income: $68,443
• Rent vs Own: 28.6% rent · 71.4% own
• Severe rent burden: 1250.0

Population outlook (Pinal County) Hauer SSP2

• Today (2025): 437,574 people
• By 2030: 446,903 · +2.1%
• By 2040: 452,589 · +3.4%
• By 2050: 444,126 · +1.5%
• By 2075: 430,300 · -1.7%
• By 2100: 393,536 · -10.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: Hispanic / Latino 44% White 42% Two or more races 21% Black 4% Native American 4% Asian 1%
• Hispanic origin (detail): Mexican 40%
• Common ancestry: Lithuanian 1% Slovak 1% Portuguese 1%
• Foreign-born: 12% · Canada
• Languages at home: 75% English-only · Spanish 23% Tagalog/Filipino 1% Other Indo-European 1%

Political lean MEDSL · Pinal

• 2024 margin: Strong R (+22.1) · D 38.5% · R 60.6%
• 2008→2024 swing: -7.6pp toward R · 2008: -14.5pp · 2024: -22.1pp
• All cycles: 2024: R+22.1 2020: R+17.3 2016: R+19.3 2012: R+17.1 2008: R+14.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -67.32%
• Current HPI: 233.148
• Rent YoY: ▲ 4.60%
• Metro: Phoenix-Mesa-Chandler, AZ
• State GDP YoY: ▲ 4.54%
• F500 in state: 20

Industry mix (Fortune 500 HQ in AZ)

Industry	F500 HQs	Revenue
▸Technology	2	$13B
▸Mining / Metals	1	$23B
▸Environmental Services	1	$16B
▸Metals / Steel	1	$14B
▸Technology Distribution	1	$9B
▸Homebuilding	1	$8B

Price history

+37.5% since first listed

7 events — show timeline

• 2026-05-10 Pending — ARMLS
• 2026-05-08 Listed $259,900 ARMLS
• 2008-11-20 Sold (MLS) $97,500 ARMLS
• 2008-10-23 Listing Removed — ARMLS
• 2008-10-09 Listed $97,500 ARMLS
• 2006-11-20 Listing Removed — ARMLS
• 2006-08-07 Listed $189,000 ARMLS

Property tax history

-0.2%/yr

Latest (2025): $1,243 · +7.3% YoY. Source: county tax records.