719 S Main St · Westfield, WI 53964

$90,000

3 bd · 1.0 ba · 1,594 sqft · SingleFamily · 4 Days on market

Built 1880 Poor condition 1.70 ac lot Est $171k · 47% 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 +29.5/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• Livability +3.4/5.0
• Schools +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +1.0/5.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity Awaits! Bring your ideas and transform this 3-bedroom, 1-bath home into something special. Offering nearly 1,600 square feet of living space on a spacious 1.7-acre lot, this property presents an excellent opportunity for investors, flippers, landlords, or buyers looking to build sweat equity. With many great features, including a beautiful bay window, the home is ready for updates and personal touches to create value and make it your own. A large concrete block garage/workshop with a cement floor offers abundant space for storage, vehicles, hobbies, or projects. Enjoy the convenience of village sewer and garbage service, along with quick and easy access to I-39 for commuting and

Key facts

• Garbage service
• Bay window
• Access to i-39

Tags

• BAY WINDOW
• CONCRETE BLOCK GARAGE
• VILLAGE SEWER
• GARBAGE SERVICE
• ACCESS TO I-39

Property features AI

Finance

• Other: Lot size about 1.7 acres; Zoning: Vil R-2; Inclusions: Stove, dishwasher, microwave, chest freezer and other items not on the exclusions list; Exclusions: Refrigerator and items on the exclusions list

Exterior

• Parking: Detached 2-car garage; Total of 3 garage parking spaces
• Utilities: Municipal sewer and well; Natural gas heat
• Home design: Single-family 1.5-story home; Estimated finished above-grade area about 1,594; Estimated total living area range 1,501–1,750
• Construction: Built (year from assessor/public record); Vinyl and aluminum/steel siding
• Exterior features: Wooded lot; Vinyl and aluminum/steel exterior

Interior

• Kitchen: Range/Oven; Dishwasher; Microwave; Kitchen on main level (8 x 10)
• Bedrooms: Master bedroom on main level (12 x 12); Second bedroom on upper level (10 x 10); Third bedroom on upper level (10 x 10); Upper-level bonus room (10 x 10)
• Bathrooms: One full bath; At least one tub; no master bath
• Interior features: Cable/Satellite available; Partial basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $90k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $322 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).

Location & tenants

• Location reads 67/100 on livability (#423 in WI) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, health & safety D, amenities F.
• Westfield School District (rural): math 39% / reading 37% proficiency, ranked #195 of 342 in WI (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Westfield Elementary (math 42% / reading 27%, grade F, #610 of 1,041 statewide, top 63%, 336 students, 57% FRL) — zoned schools average 57% FRL vs 42% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 19 active listings in the ZIP; 95 units permitted in Marquette County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Marquette County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1880 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $90,000

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Built in 1880 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 1.33% ✓
• Cap rate: 10.58%
• Cash-on-cash: 15.33%
• DSCR: 1.68
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $170,558
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
406 Cardinal Dr	0.43mi	3/2.0	1,600 (+0%)	1mo	$250,000	$156	74
630 S Main St	0.12mi	4/2.0 (+1)	1,780 (+12%)	1mo	$155,000	$87	65
246 Golliher Ct	0.26mi	4/2.5 (+1)	1,768 (+11%)	12mo	$339,000	$192	49
309 N Main St	0.74mi	3/1.5	1,675 (+5%)	9mo	$180,000	$107	48
237 E 2nd St	0.53mi	4/1.0 (+1)	1,386 (-13%)	6mo	$115,000	$83	44

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

5-year hold

• IRR: 6.1%
• Equity multiple: 1.24×
• Total profit: $5,935
• Equity at exit: $13,419

10-year hold

• IRR: 15.4%
• Equity multiple: 2.26×
• Total profit: $31,638
• Equity at exit: $7,782

Cash invested: $25,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Wisconsin: 73 Landlord-Friendly · R+2
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; Madison / Milwaukee have some local enforcement.

Methodology + full state rankings →

ZIP-level market 53964

• Home prices YoY: -12.3%
• Active inventory: 19
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,195 medium
• Mortgage (P&I): −$472
• Tax est. 1.5%: −$112 /mo · $1,350/yr
• Insurance: −$38
• HOA: −$0
• Vacancy / Maint / Mgmt: −$251
• Net cashflow: $322

Break-even live

Break-even rent $787

Max offer price $90,000

Occupancy floor 68%

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: —

Listing history 6 events

1. 2026-06-03
   status $90,000 Pending 4 DOM
2. 2026-06-02
   days on market $90,000 Active 4 DOM
3. 2026-06-01
   days on market $90,000 Active 3 DOM
4. 2026-05-31
   days on market $90,000 Active 2 DOM
5. 2026-05-31
   remarks 699-char remark
6. 2026-05-31
   listed $90,000 Active 1 DOM

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥99°F today · 13 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,337
• − Mortgage interest: −$5,041
• − Property taxes: −$1,350
• − Insurance: −$450
• − Repairs & maintenance: −$1,147
• − Management: −$1,147
• − Depreciation: −$2,618
• Taxable income: $2,583
• Est. tax owed @ 24.0%: −$620
• After-tax cash flow: $3,242/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.

Condition & rehab AI · 13 photos

Poor 20/100 Extensive rehab

This property requires extensive renovations and updates to improve its condition and value. Significant work is needed in the kitchen, bathrooms, exterior, and interior to make it move-in ready.

Repairs flagged

• Major Kitchen appliances — Outdated and worn
• Major Bathroom fixtures — Worn and outdated
• Major Roof — Rusty and visibly worn
• Major Exterior siding — Peeling and worn
• Major Flooring — Worn and outdated carpet
• Major Interior walls/paint — Worn and outdated paint
• Major Electrical and plumbing — No visible systems, potential issues

Value-add opportunities

• Resale Kitchen renovation — Modern kitchen will attract more buyers
• Resale Bathroom renovation — Modern bathroom will attract more buyers
• Both Exterior painting and landscaping — Enhances curb appeal and value
• Resale Roof replacement — New roof will attract more buyers
• Resale Flooring replacement — Modern flooring will attract more buyers
• Resale Interior paint and updates — Modern paint and updates will attract more buyers
• Both Electrical and plumbing updates — Ensures safety and functionality

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen appliances · Outdated and worn	Major	$15,000–50,000
Bathroom fixtures · Worn and outdated	Major	$15,000–50,000
Roof · Rusty and visibly worn	Major	$15,000–50,000
Exterior siding · Peeling and worn	Major	$15,000–50,000
Flooring · Worn and outdated carpet	Major	$15,000–50,000
Interior walls/paint · Worn and outdated paint	Major	$15,000–50,000
Electrical and plumbing · No visible systems, potential issues	Major	$15,000–50,000
Total estimated repair cost · 7 items		$105,000–350,000

Value-add ROI direction

• Resale Kitchen renovation — Modern kitchen will attract more buyers ↑
• Resale Bathroom renovation — Modern bathroom will attract more buyers ↑
• Both Exterior painting and landscaping — Enhances curb appeal and value ↑
• Resale Roof replacement — New roof will attract more buyers ↑
• Resale Flooring replacement — Modern flooring will attract more buyers ↑
• Resale Interior paint and updates — Modern paint and updates will attract more buyers ↑
• Both Electrical and plumbing updates — Ensures safety and functionality ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Westfield School District
• NCES district ID: 5516440
• Math proficiency: 39% ▲ 4.00%
• Reading proficiency: 37% ▬ 0.00%
• Median HH income: $46,419
• Composite: 32.51/100
• National rank: #5702
• State rank: #195 of 342 in WI

Livability — Westfield

• Score: 67/100
• State rank: #423
• US rank: #10621

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Westfield, WI
• Population (ZIP): 3,475

Population outlook (Marquette County) Hauer SSP2

• Today (2025): 14,049 people
• By 2030: 13,362 · -4.9%
• By 2040: 11,850 · -15.7%
• By 2050: 10,519 · -25.1%
• By 2075: 8,457 · -39.8%
• By 2100: 7,077 · -49.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 4% Two or more races 3% Asian 1%
• Common ancestry: Romanian 8% Portuguese 7% Lithuanian 3%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% German/W. Germanic 2%

Political lean MEDSL · Marquette

• 2024 margin: Strong R (+29.6) · D 34.6% · R 64.2% · Other 1.2%
• 2008→2024 swing: -34.9pp toward R · 2008: 5.3pp · 2024: -29.6pp
• All cycles: 2024: R+29.6 2020: R+27.4 2016: R+24.4 2012: D+4.5 2008: D+5.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -31.65%
• Current HPI: 225.2727
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.10%
• F500 in state: 20

Industry mix (Fortune 500 HQ in WI)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$23B
▸Industrial Technology	2	$36B
▸Insurance	1	$36B
▸Professional Services	1	$19B
▸Utilities	1	$9B
▸Consumer Goods	1	$3B

Price history

1 event — show timeline

• 2026-05-29 Listed $90,000 SCWMLS