130 Karen Cv · Jacksonville, AR 72076

$99,900

3 bd · 1.0 ba · 1,291 sqft · SingleFamily public records · 10 Days on market

Built 1975 10,018 sqft lot Est $146k · 32% under

---

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 +28.0/30.0
• ARV discount +15.0/15.0
• DSCR +9.9/10.0
• 1% rule +7.1/10.0
• Rent growth +3.3/5.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks

This ranch syle home features 3 bedrooms and 2 bathrooms inn a sgtraightforward single-level layout. The property sits on a cul-de-sac street, offering a quiet residential setting with a practical floor plan desigen. The home'sinteriorn provides practical living space across its bedrooms and bathrooms. Outside , a fenced backyard offers privacy and defined outdoor space for the property. This home is close to Little Rock Air Force Base, making it convenient for military personel and their residents. No Disclosures and property is being sold as is. Agents please see confidential remarks for showing and additional information and offer presentation.

Key facts

• Cul-de-sac street
• Fenced backyard
• 0.23 acre lot

Tags

• CUL-DE-SAC STREET
• FENCED BACKYARD

Property features AI

Finance

• Financial info: Accepted financing: VA, FHA, Conventional, or Cash

Exterior

• Parking: Parking pads for 2 cars
• Utilities: Public sewer; Public water; Municipal electric (Entergy available); Natural gas; Insulated windows; Insulated doors
• Home design: Brick and frame exterior with metal/vinyl siding; Approximately 0.23 acres
• Construction: Metal roof; Slab foundation
• Exterior features: Patio; Partially fenced yard; Wood fence; Paved road access; Level lot; Located on a cul-de-sac; In a subdivision

Interior

• Kitchen: Dishwasher
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heat (gas); Central cooling (electric)
• Interior features: Electric dryer connection; Electric water heater; Sheetrock walls/ceilings
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $312 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Cap rate 10.0% vs local median 5.0% in Jacksonville — 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 61/100 on livability (#231 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools F, crime F, amenities F.
• Jacksonville North Pulaski School District (suburban): math 18% / reading 20% proficiency, ranked #211 of 238 in AR (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.1%/yr); 154 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,006 units permitted in Pulaski County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Pulaski County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.1% rent growth), your $28k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 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.
• Current owner paid $68k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $99,900

Questions for the listing agent

1. Built in 1975 — 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 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 F 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. 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: 1.21% ✓
• Cap rate: 10.04%
• Cash-on-cash: 13.37%
• DSCR: 1.59
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $145,883
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
105 Smart St	0.10mi	3/1.0	1,200 (-7%)	2mo	$125,000	$104	82
199 Pine St	0.20mi	4/2.0 (+1)	1,305 (+1%)	1mo	$129,000	$99	79
305 Smart St	0.23mi	3/1.0	1,200 (-7%)	6mo	$95,000	$79	72
1009 Towering Oaks/106 Santa Fe	0.35mi	3/2.0	1,344 (+4%)	2mo	$170,000	$126	71
1512 Noah Ct	0.44mi	3/2.0	1,195 (-7%)	2mo	$170,000	$142	61
38 Woodbriar Dr	0.65mi	3/1.0	1,282 (-1%)	9mo	$144,900	$113	61
1204 Eastview Dr	0.64mi	3/1.0	1,334 (+3%)	6mo	$154,450	$116	60
10 Greenway Ct	0.54mi	3/2.0	1,328 (+3%)	9mo	$128,000	$96	58
10 Park Dr	0.50mi	3/2.0	1,385 (+7%)	6mo	$126,000	$91	56
408 W Hickory St	0.58mi	3/2.0	1,359 (+5%)	6mo	$140,000	$103	55
1500 Noah Ct	0.41mi	3/2.0	1,158 (-10%)	10mo	$153,780	$133	52
601 Vine St	0.73mi	3/1.0	1,107 (-14%)	4mo	$126,000	$114	39

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 · 3.07% rent growth · sell at horizon

5-year hold

• IRR: 3.5%
• Equity multiple: 1.13×
• Total profit: $3,733
• Equity at exit: $14,895

10-year hold

• IRR: 13.0%
• Equity multiple: 2.04×
• Total profit: $29,119
• Equity at exit: $8,638

Cash invested: $27,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 92 Strongly Landlord-Friendly
• State Arkansas: 92 Strongly Landlord-Friendly · R+14
• County: — inherits STATE
• City: — inherits STATE

Only US state where non-payment is criminal. Strongly landlord-favorable; very few tenant protections.

Methodology + full state rankings →

ZIP-level market 72076

• Home prices YoY: -30.3%
• Rents YoY: 3.1%
• Active inventory: 154
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,213 high
• Mortgage (P&I): −$524
• Tax from tax record: −$81 /mo · $971/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$255
• Net cashflow: $312

Break-even live

Break-even rent $818

Max offer price $99,900

Occupancy floor 69%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
124 Karen Cv Jacksonville, AR	4.0	1.5	1000	$1,050	$1.05	43d	1	0.03mi
622 S Oak St Unit 620 Jacksonville, AR	2.0	1.5	1015	$725	$0.71	23d	1	0.14mi
714 S Spring St Unit 718 Jacksonville, AR	2.0	2.0	1000	$1,150	$1.15	23d	1	0.17mi
105 Victory Cir Jacksonville, AR	4.0	2.0	1157	$1,550	$1.34	43d	1	0.23mi
197 Roosevelt Rd Jacksonville, AR	3.0	1.0	1300	$1,195	$0.92	19d	1	0.23mi
130 Joiner Ave Jacksonville, AR	4.0	2.0	1223	$1,550	$1.27	21d	1	0.25mi
103 Overland Trl Jacksonville, AR	3.0	1.5	960	$1,195	$1.24	19d	1	0.31mi
172 Roosevelt Rd Jacksonville, AR	2.0	1.0	1000	$800	$0.80	21d	1	0.36mi
144 Pike Ave Jacksonville, AR	2.0	1.0	1050	$800	$0.76	44d	1	0.38mi
131 Galloway Cir Jacksonville, AR	3.0	1.0	912	$895	$0.98	43d	1	0.40mi
215 N Elm St Unit 215 Jacksonville, AR	3.0	2.5	1600	$1,475	$0.92	23d	1	0.41mi
633 Smart St Jacksonville, AR	3.0	1.5	936	$995	$1.06	23d	1	0.43mi
7 Davis Ct Jacksonville, AR	3.0	1.5	1080	$925	$0.86	43d	1	0.46mi
4 Georgeann Cir Jacksonville, AR	3.0	1.5	1479	$1,250	$0.85	14d	1	0.52mi
107 Pike Ave Jacksonville, AR	3.0	1.0	1092	$995	$0.91	43d	1	0.58mi
1516 S Bailey St Jacksonville, AR	3.0	2.0	1400	$1,395	$1.00	43d	1	0.59mi
1515 Stamps St Unit 1 Jacksonville, AR	3.0	2.0	1404	$1,395	$0.99	43d	1	0.61mi
873 Jane Dr Jacksonville, AR	2.0	1.0	971	$1,050	$1.08	43d	1	0.62mi
1115 Ray Rd Jacksonville, AR	4.0	1.5	1495	$1,495	$1.00	14d	1	0.65mi
1112 Ray Rd Jacksonville, AR	3.0	1.0	1166	$895	$0.77	43d	1	0.65mi
815 Ellis St Unit 817 Jacksonville, AR	3.0	2.0	1550	$1,395	$0.90	23d	1	0.68mi
950 Military Rd Jacksonville, AR	1.0–3.0	1.0–2.0	867	$1,015	$1.17	14d	13	0.71mi
1301 Liberty Dr Jacksonville, AR	3.0	2.0	1014	$1,295	$1.28	14d	1	0.73mi
428 N Oak St Jacksonville, AR	3.0	1.5	996	$1,325	$1.33	43d	1	0.88mi
212 Wright Cv Jacksonville, AR	3.0	1.5	1326	$1,350	$1.02	23d	1	0.92mi
200 Crestview Dr Unit 9 Jacksonville, AR	2.0	1.5	900	$900	$1.00	43d	1	0.95mi
300 Redbud Ct Jacksonville, AR	4.0	2.0	1559	$1,995	$1.28	23d	1	0.97mi
302 Redbud Ct Jacksonville, AR	4.0	2.0	1559	$1,995	$1.28	23d	1	0.97mi
66 Wright Cir Jacksonville, AR	3.0	2.0	1246	$1,595	$1.28	23d	1	0.99mi
58 Wright Cir Jacksonville, AR	4.0	2.5	1468	$1,450	$0.99	14d	1	1.00mi
1 Pinewood Ct Unit 1A Jacksonville, AR	2.0	2.0	912	$750	$0.82	21d	1	1.01mi
3 Pinewood Ct Unit 3B Jacksonville, AR	2.0	2.0	912	$725	$0.79	14d	1	1.01mi
1409 Southern St Jacksonville, AR	3.0	1.0	1050	$1,050	$1.00	43d	1	1.02mi
1501 Angie Ct Jacksonville, AR	3.0	2.0	1296	$1,595	$1.23	21d	1	1.04mi
712 W Martin St Jacksonville, AR	2.0	1.0	936	$995	$1.06	43d	1	1.04mi
516 Hill St Jacksonville, AR	3.0	1.5	1380	$1,175	$0.85	43d	1	1.07mi
609 Sorrells Dr Jacksonville, AR	3.0	1.0	1133	$1,195	$1.05	14d	1	1.11mi
620 Neal St Jacksonville, AR	3.0	1.0	900	$895	$0.99	43d	1	1.17mi
1101 Lehman Dr Jacksonville, AR	3.0	1.5	1344	$1,200	$0.89	14d	1	1.18mi
89 Belair Loop Jacksonville, AR	3.0	2.0	1093	$1,450	$1.33	21d	1	1.20mi

Listing history 9 events

1. 2026-06-18
   days on market $99,900 Active 10 DOM
2. 2026-06-17
   days on market $99,900 Active 9 DOM
3. 2026-06-16
   days on market $99,900 Active 8 DOM
4. 2026-06-15
   statusdays on market $99,900 Active 7 DOM
5. 2026-06-14
   days on market $99,900 New Listing 5 DOM
6. 2026-06-13
   days on market $99,900 New Listing 4 DOM
7. 2026-06-10
   days on market $99,900 New Listing 2 DOM
8. 2026-06-09
   remarks 655-char remark
9. 2026-06-09
   listed $99,900 New Listing 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 AR · Resets to sale price

• Current annual tax: $971 · $81/mo
• Projected year-2 tax: $971 · $81/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 18 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% 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: $14,552
• − Mortgage interest: −$5,596
• − Property taxes: −$971
• − Insurance: −$500
• − Repairs & maintenance: −$1,164
• − Management: −$1,164
• − Depreciation: −$2,906
• Taxable income: $2,251
• Est. tax owed @ 24.0%: −$540
• After-tax cash flow: $3,199/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: Jacksonville North Pulaski School District
• NCES district ID: 0500419
• Math proficiency: 18% ▼ -7.00%
• Reading proficiency: 20% ▼ -5.00%
• Median HH income: $50,869
• Composite: 17.16/100
• National rank: #9110
• State rank: #211 of 238 in AR

Livability — Jacksonville

• Score: 61/100
• State rank: #231
• US rank: #17378

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jacksonville, AR
• County: Pulaski County · 372,764 people
• City population: 38,437
• Metro: Little Rock-North Little Rock-Conway, AR
• Population (ZIP): 38,437
• Household income: $54,379
• Rent vs Own: 46.6% rent · 53.4% own
• Severe rent burden: 1733.0

Population outlook (Pulaski County) Hauer SSP2

• Today (2025): 415,378 people
• By 2030: 423,720 · +2.0%
• By 2040: 435,182 · +4.8%
• By 2050: 440,904 · +6.1%
• By 2075: 445,521 · +7.3%
• By 2100: 419,173 · +0.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 47% Black 38% Hispanic / Latino 8% Two or more races 8% Asian 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Slovak 2% Italian 2% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% Tagalog/Filipino 1%

Political lean MEDSL · Pulaski

• 2024 margin: Strong D (+22.1) · D 59.8% · R 37.7% · Other 2.5%
• 2008→2024 swing: +10.6pp toward D · 2008: 11.6pp · 2024: 22.1pp
• All cycles: 2024: D+22.1 2020: D+22.5 2016: D+17.9 2012: D+11.4 2008: D+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -87.51%
• Current HPI: 201.6405
• Rent YoY: ▲ 3.07%
• Metro: Little Rock-North Little Rock-Conway, AR
• State GDP YoY: ▲ 3.80%
• F500 in state: 10

Industry mix (Fortune 500 HQ in AR)

Industry	F500 HQs	Revenue
▸Retail	1	$681B
▸Food / Agriculture	1	$53B
▸Retail / Energy	1	$22B
▸Transportation / Logistics	1	$12B
▸Energy	1	$4B

Price history

+45.9% since first listed

13 events — show timeline

• 2026-06-08 Listed $99,900 CARMLS
• 2026-02-13 Listing Removed — CARMLS
• 2026-02-13 Price Changed $98,900 CARMLS
• 2026-02-06 Price Changed $99,900 CARMLS
• 2026-02-01 Price Changed $103,900 CARMLS
• 2026-01-23 Price Changed $104,900 CARMLS
• 2026-01-16 Price Changed $109,900 CARMLS
• 2025-12-30 Price Changed $114,900 CARMLS
• 2025-12-19 Price Changed $119,900 CARMLS
• 2025-12-11 Price Changed $122,900 CARMLS
• 2025-12-06 Price Changed $123,900 CARMLS
• 2025-11-24 Listed $124,900 CARMLS
• 2002-06-11 Sold (Public Records) $68,495 Public Records

Property tax history

+1.4%/yr

Latest (2025): $971 · +4.4% YoY. Source: county tax records.