1445 Pine Dr · Haskell, AR 72015

$155,000

4 bd · 2.0 ba · 1,215 sqft · SingleFamily · 27 Days on market

Built 2008 Good condition 10,018 sqft lot Est $148k · at est. ↓ 16% since listing

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Why this score? — see what drove the C- 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 +20.0/30.0
• DSCR +6.4/10.0
• ARV discount +5.4/15.0
• 1% rule +5.3/10.0
• Livability +3.9/5.0
• Condition / age +3.8/5.0
• Schools +3.5/10.0
• Rent growth +2.7/5.0
• Appreciation +0.0/10.0

Listing remarks

This is a perfect house for a first time home buyer!!!! Or anyone for that matter!!! This one qualifies for ZERO down! Move in ready. Located in Haskell on a quiet dead end street. Come see this 4 BR, 2 Bath home with several updates that include: HVAC, water heater, appliances (except refrigerator), LVP flooring and lighting. Agents see remarks for showing info.

Key facts

• Several updates
• Hvac
• Appliances

Tags

• MOVE IN READY
• QUIET DEAD END STREET
• SEVERAL UPDATES
• HVAC
• WATER HEATER
• APPLIANCES

Property features AI

Finance

• Financial info: Financing options include VA, FHA, Conventional, Rural Development, or cash

Exterior

• Parking: Detached garage for 2 cars
• Utilities: Public water; Public sewer; Municipal electric service
• Home design: Single-family property
• Construction: Slab foundation
• Exterior features: Metal/vinyl siding; 3-tab shingle roof; Paved road access; Level, cleared, rural property; Not in a subdivision

Interior

• Kitchen: Free-standing stove; Electric range; Microwave; Dishwasher; Refrigerator stays
• Flooring: Tile; Luxury vinyl
• Bathrooms: Two full bathrooms
• Heating & cooling: Central electric heating; Central electric cooling
• Interior features: Tile and luxury vinyl flooring; Laundry room
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $155k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $191 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $155k).
• Recommended offer: $153k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 3.7% in Haskell — 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 77/100 on livability (#12 in AR, #3,200 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Harmony Grove School District (suburban): math 39% / reading 42% proficiency, ranked #58 of 238 in AR (top 24%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents flat; 195 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 446 units permitted in Saline County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Saline County population projected at +39% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($153k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y 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.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $152,675 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are A-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?
3. 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.
4. 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.
5. 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: 1.03% ✓
• Cap rate: 7.77%
• Cash-on-cash: 5.29%
• DSCR: 1.24
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $148,230
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1445 Pine Dr	0.00mi	4/2.0	1,215 (0%)	0mo	$157,000	$129	100
119 N Taft St	0.53mi	3/1.5 (-1)	1,152 (-5%)	10mo	$132,000	$115	51
216 Spring Branch Dr	0.74mi	4/2.0	1,376 (+13%)	9mo	$197,500	$144	36
203 Spring Branch Dr	0.66mi	4/2.0	1,390 (+14%)	15mo	$170,000	$122	33
160 N Monroe St	0.68mi	3/2.0 (-1)	1,361 (+12%)	23mo	$160,000	$118	24

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 · 0.73% rent growth · sell at horizon

5-year hold

• IRR: -10.7%
• Equity multiple: 0.62×
• Total profit: $-16,485
• Equity at exit: $23,111

10-year hold

• IRR: -4.9%
• Equity multiple: 0.71×
• Total profit: $-12,571
• Equity at exit: $13,402

Cash invested: $43,400 (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 72015

• Home prices YoY: -11.1%
• Rents YoY: 0.7%
• Active inventory: 195
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,598 medium
• Mortgage (P&I): −$813
• Tax est. 1.5%: −$194 /mo · $2,325/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$336
• Net cashflow: $191

Break-even live

Break-even rent $1,356

Max offer price $155,000

Occupancy floor 83%

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: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1451 Pine Haskell Dr Benton, AR	4.0	2.0	1244	$1,445	$1.16	14d	1	0.12mi

Listing history 26 events

1. 2026-06-13
   status $155,000 Under Contract 27 DOM
2. 2026-06-10
   days on market $155,000 Take Backups 27 DOM
3. 2026-06-09
   days on market $155,000 Take Backups 26 DOM
4. 2026-06-08
   days on market $155,000 Take Backups 25 DOM
5. 2026-06-07
   days on market $155,000 Take Backups 24 DOM
6. 2026-06-05
   days on market $155,000 Take Backups 21 DOM
7. 2026-06-03
   days on market $155,000 Take Backups 20 DOM
8. 2026-06-02
   days on market $155,000 Take Backups 19 DOM
9. 2026-06-01
   days on market $155,000 Take Backups 18 DOM
10. 2026-05-31
    days on market $155,000 Take Backups 17 DOM
11. 2026-05-31
    days on market $155,000 Take Backups 16 DOM
12. 2026-05-15
    historical Take Backups
13. 2026-05-14
    listed $155,000 New Listing
14. 2026-05-13
    historical
15. 2026-04-30
    price $155,000
16. 2026-04-30
    status Price Change
17. 2026-03-27
    historical Take Backups
18. 2026-03-20
    price $145,000
19. 2026-03-14
    price $150,000
20. 2026-03-09
    listed $160,000 New Listing
21. 2025-04-22
    historical
22. 2025-02-12
    price $179,999
23. 2025-01-26
    status Back on Market
24. 2025-01-25
    historical
25. 2024-11-22
    price $182,900
26. 2024-10-22
    listed $184,900 New Listing

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,175
• − Mortgage interest: −$8,682
• − Property taxes: −$2,325
• − Insurance: −$775
• − Repairs & maintenance: −$1,534
• − Management: −$1,534
• − Depreciation: −$4,509
• Taxable loss: −$185
• Est. tax savings @ 24.0%: +$44
• After-tax cash flow: $2,338/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 · 12 photos

Good 75/100 Cosmetic rehab

This move-in ready home in Haskell offers several updates including HVAC, water heater, and new flooring, making it a great option for first-time buyers or anyone looking for a comfortable living space.

Repairs flagged

• Minor Kitchen cabinets — Worn appearance
• Minor Bathroom fixtures — Dated appearance

Value-add opportunities

• Both Paint interior walls — Fresh paint enhances curb appeal and interior aesthetics
• Both Replace dated kitchen cabinets — New cabinets improve functionality and aesthetics
• Both Replace dated bathroom fixtures — New fixtures improve functionality and aesthetics

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen cabinets · Worn appearance	Minor	$500–3,000
Bathroom fixtures · Dated appearance	Minor	$500–3,000
Total estimated repair cost · 2 items		$1,000–6,000

Value-add ROI direction

• Both Paint interior walls — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both Replace dated kitchen cabinets — New cabinets improve functionality and aesthetics ↑
• Both Replace dated bathroom fixtures — New fixtures improve functionality and aesthetics ↑

ⓘ 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: Harmony Grove School District
• NCES district ID: 0507320
• Math proficiency: 39% ▼ -10.00%
• Reading proficiency: 42% ▼ -4.00%
• Median HH income: $55,062
• Composite: 35.39/100
• National rank: #4948
• State rank: #58 of 238 in AR

Livability — Haskell

• Score: 77/100
• State rank: #12
• US rank: #3200

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Haskell, AR
• County: Saline County · 77,216 people
• Metro: Little Rock-North Little Rock-Conway, AR
• Population (ZIP): 28,712
• Household income: $66,107
• Rent vs Own: 27.4% rent · 72.6% own
• Severe rent burden: 439.0

Population outlook (Saline County) Hauer SSP2

• Today (2025): 140,141 people
• By 2030: 151,233 · +7.9%
• By 2040: 173,100 · +23.5%
• By 2050: 194,368 · +38.7%
• By 2075: 245,295 · +75.0%
• By 2100: 279,117 · +99.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 10% Two or more races 6% Hispanic / Latino 5%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 1%
• Foreign-born: 2% · Canada, Vietnam
• Languages at home: 97% English-only · Spanish 3% Vietnamese 0%

Political lean MEDSL · Saline

• 2024 margin: Solid R (+40.1) · D 28.8% · R 69.0% · Other 2.2%
• 2008→2024 swing: +0.8pp no change · 2008: -41.0pp · 2024: -40.1pp
• All cycles: 2024: R+40.1 2020: R+41.2 2016: R+43.5 2012: R+42.7 2008: R+41.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -29.11%
• Current HPI: 234.4644
• Rent YoY: ▲ 0.73%
• 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

-16.2% since first listed

15 events — show timeline

• 2026-05-15 Contingent — CARMLS
• 2026-05-14 Listed $155,000 CARMLS
• 2026-05-13 Listing Removed — CARMLS
• 2026-04-30 Price Changed $155,000 CARMLS
• 2026-04-30 Relisted — CARMLS
• 2026-03-27 Contingent — CARMLS
• 2026-03-20 Price Changed $145,000 CARMLS
• 2026-03-14 Price Changed $150,000 CARMLS
• 2026-03-09 Listed $160,000 CARMLS
• 2025-04-22 Listing Removed — CARMLS
• 2025-02-12 Price Changed $179,999 CARMLS
• 2025-01-26 Relisted — CARMLS
• 2025-01-25 Listing Removed — CARMLS
• 2024-11-22 Price Changed $182,900 CARMLS
• 2024-10-22 Listed $184,900 CARMLS