324 Post Oak Dr · Hudson, IA 50613

$297,400

4 bd · 2.5 ba · 1,608 sqft · SingleFamily public records · 211 Days on market

Built 2020 0.38 ac lot $185/sqft · 31% below area Est $428k · 31% under

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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).

• ARV discount +15.0/15.0
• Cash flow +7.1/30.0
• Schools +6.6/10.0
• Livability +3.9/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• 1% rule +1.6/10.0
• DSCR +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully maintained 4-bedroom, 2-bathroom slab home built in 2020, perfectly situated on a spacious corner lot. Designed with modern living in mind, this home features an open concept layout that seamlessly connects the kitchen, dining, and living areas—ideal for entertaining or everyday comfort. Large windows fill the space with natural light, highlighting the contemporary finishes and cozy fireplace that serves as the heart of the home. The kitchen boasts ample cabinetry, a spacious pantry, and modern appliances, creating a perfect hub for family gatherings. The primary suite offers a walk in closet and your very own bathroom with main floor laundry nearby. Step outside to enjoy the professionally designed paver patio, ideal for outdoor dining or relaxing, along with a convenient storage shed for all your tools and seasonal items. This home is within the Hudson Community School District which offers academically focused education within a supportive, community-oriented environment. Located just minutes from shopping, dining, and quick access to the interstate, this home offers unbeatable convenience along with style and functionality in a desirable neighborhood.

Key facts

• Large windows
• Spacious pantry
• Ample cabinetry

Tags

• CORNER LOT
• OPEN CONCEPT LAYOUT
• LARGE WINDOWS
• COZY FIREPLACE
• AMPLE CABINETRY
• SPACIOUS PANTRY

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $297k.

Deal economics

• At list price, monthly cash flow is $-425 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $222k (25.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $196k (34.2% below list).
• Recommended offer: $196k (34.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 77/100 on livability (#179 in IA, #3,218 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety F.
• Hudson Community School District (suburban): math 78% / reading 75% proficiency, ranked #42 of 289 in IA (top 14%) — strong family-tenant draw, lease renewals of 3-5y typical; only 19% free/reduced lunch — higher-income household profile.
• Zoned schools: Hudson Elementary School (math 73% / reading 68%, grade A-, #217 of 616 statewide, top 36%, 524 students, 24% FRL); Hudson High School (math 82% / reading 80%, grade A, #28 of 336 statewide, top 8%, 342 students, 27% FRL).
• Market conditions: Rents rising (+2.0%/yr); 389 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 287 units permitted in Black Hawk County in 2024 (67 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Black Hawk County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 211 days — a 12% lower offer ($262k) is reasonable based on typical stale-listing flexibility.

Recommended offer $195,583 (34.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 211 days. Have you received any prior offers? Is the seller open to a 34% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.66% ✗
• Cap rate: 4.58%
• Cash-on-cash: -6.13%
• DSCR: 0.73
• GRM: 12.7

CMA / ARV

• ARV (median comp): $428,114
• List price: $297,400
• Delta: -30.53%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
220 Willow Oak Dr	0.08mi	3/2.0 (-1)	1,495 (-7%)	14mo	$421,900	$282	66

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 · 1.97% rent growth · sell at horizon

5-year hold

• IRR: -27.9%
• Equity multiple: 0.07×
• Total profit: $-77,294
• Equity at exit: $44,343

10-year hold

• IRR: -30.8%
• Equity multiple: -0.32×
• Total profit: $-110,324
• Equity at exit: $25,714

Cash invested: $83,272 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Iowa: 83 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; mostly landlord-friendly statewide.

Methodology + full state rankings →

ZIP-level market 50613

• Rents YoY: 2.0%
• Active inventory: 389
• Price-to-rent: 12.7×

Monthly cashflow live

• Estimated rent: $1,956 medium
• Mortgage (P&I): −$1,560
• Tax from tax record: −$287 /mo · $3,440/yr
• Insurance: −$124
• HOA: −$0
• Vacancy / Maint / Mgmt: −$411
• Net cashflow: $-425

Break-even live

Break-even rent $2,494

Max offer price $222,309

Occupancy floor —

Sensitivity live

Price	-10% $-257	-5% $-341	+0% $-425	+5% $-509	+10% $-593
Rent	-10% $-580	-5% $-502	+0% $-425	+5% $-348	+10% $-271
Rate	-1.0pp $-275	-0.5pp $-349	base $-425	+0.5pp $-502	+1.0pp $-581

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: $74,350
• Closing costs: $8,922
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
402 Fast Ln Cedar Falls, IA	2.0–3.0	2.5	1180	$1,950	$1.65	23d	10	0.08mi

Listing history 22 events

1. 2026-06-21
   days on market $297,400 Active 211 DOM
2. 2026-06-19
   days on market $297,400 Active 209 DOM
3. 2026-06-18
   days on market $297,400 Active 208 DOM
4. 2026-06-17
   days on market $297,400 Active 207 DOM
5. 2026-06-16
   days on market $297,400 Active 206 DOM
6. 2026-06-15
   days on market $297,400 Active 205 DOM
7. 2026-06-14
   days on market $297,400 Active 203 DOM
8. 2026-06-13
   days on market $297,400 Active 202 DOM
9. 2026-06-10
   days on market $297,400 Active 200 DOM
10. 2026-06-09
    days on market $297,400 Active 199 DOM
11. 2026-06-08
    days on market $297,400 Active 198 DOM
12. 2026-06-07
    days on market $297,400 Active 197 DOM
13. 2026-06-05
    days on market $297,400 Active 194 DOM
14. 2026-06-03
    days on market $297,400 Active 193 DOM
15. 2026-06-02
    days on market $297,400 Active 192 DOM
16. 2026-06-01
    days on market $297,400 Active 191 DOM
17. 2026-05-31
    days on market $297,400 Active 190 DOM
18. 2026-05-30
    days on market $297,400 Active 189 DOM
19. 2026-03-24
    price $297,400 1207-char remark

    Show marketing remark (1207 chars)

    Welcome to this beautifully maintained 4-bedroom, 2-bathroom slab home built in 2020, perfectly situated on a spacious corner lot. Designed with modern living in mind, this home features an open concept layout that seamlessly connects the kitchen, dining, and living areas—ideal for entertaining or everyday comfort. Large windows fill the space with natural light, highlighting the contemporary finishes and cozy fireplace that serves as the heart of the home. The kitchen boasts ample cabinetry, a spacious pantry, and modern appliances, creating a perfect hub for family gatherings. The primary suite offers a walk in closet and your very own bathroom with main floor laundry nearby. Step outside to enjoy the professionally designed paver patio, ideal for outdoor dining or relaxing, along with a convenient storage shed for all your tools and seasonal items. This home is within the Hudson Community School District which offers academically focused education within a supportive, community-oriented environment. Located just minutes from shopping, dining, and quick access to the interstate, this home offers unbeatable convenience along with style and functionality in a desirable neighborhood.

20. 2025-12-07
    price $299,900 1207-char remark

    Show marketing remark (1207 chars)

    Welcome to this beautifully maintained 4-bedroom, 2-bathroom slab home built in 2020, perfectly situated on a spacious corner lot. Designed with modern living in mind, this home features an open concept layout that seamlessly connects the kitchen, dining, and living areas—ideal for entertaining or everyday comfort. Large windows fill the space with natural light, highlighting the contemporary finishes and cozy fireplace that serves as the heart of the home. The kitchen boasts ample cabinetry, a spacious pantry, and modern appliances, creating a perfect hub for family gatherings. The primary suite offers a walk in closet and your very own bathroom with main floor laundry nearby. Step outside to enjoy the professionally designed paver patio, ideal for outdoor dining or relaxing, along with a convenient storage shed for all your tools and seasonal items. This home is within the Hudson Community School District which offers academically focused education within a supportive, community-oriented environment. Located just minutes from shopping, dining, and quick access to the interstate, this home offers unbeatable convenience along with style and functionality in a desirable neighborhood.

21. 2025-11-22
    listed $305,000 Active 1207-char remark

    Show marketing remark (1207 chars)

    Welcome to this beautifully maintained 4-bedroom, 2-bathroom slab home built in 2020, perfectly situated on a spacious corner lot. Designed with modern living in mind, this home features an open concept layout that seamlessly connects the kitchen, dining, and living areas—ideal for entertaining or everyday comfort. Large windows fill the space with natural light, highlighting the contemporary finishes and cozy fireplace that serves as the heart of the home. The kitchen boasts ample cabinetry, a spacious pantry, and modern appliances, creating a perfect hub for family gatherings. The primary suite offers a walk in closet and your very own bathroom with main floor laundry nearby. Step outside to enjoy the professionally designed paver patio, ideal for outdoor dining or relaxing, along with a convenient storage shed for all your tools and seasonal items. This home is within the Hudson Community School District which offers academically focused education within a supportive, community-oriented environment. Located just minutes from shopping, dining, and quick access to the interstate, this home offers unbeatable convenience along with style and functionality in a desirable neighborhood.

22. 2024-03-04
    soldstatus $285,000

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

Tax reassessment forecast IA · Partial reset (capped growth)

• Current annual tax: $3,440 · $287/mo
• Projected year-2 tax: $4,055 · $338/mo
• Expected delta: +$615/yr (+$51/mo · 17.9%)

ⓘ 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 3/10 Moderate 7 d/yr ≥101°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,470
• − Mortgage interest: −$16,659
• − Property taxes: −$3,440
• − Insurance: −$1,487
• − Repairs & maintenance: −$1,878
• − Management: −$1,878
• − Depreciation: −$8,652
• Taxable loss: −$10,523
• Est. tax savings @ 24.0%: +$2,525
• After-tax cash flow: $-2,575/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: Hudson Community School District
• NCES district ID: 1914340
• Math proficiency: 78% ▼ -3.00%
• Reading proficiency: 75% ▼ -2.00%
• Median HH income: $65,741
• Composite: 66.28/100
• National rank: #426
• State rank: #42 of 289 in IA

Livability — Hudson

• Score: 77/100
• State rank: #179
• US rank: #3218

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hudson, IA
• County: Black Hawk County · 112,933 people
• Metro: Waterloo-Cedar Falls, IA
• Population (ZIP): 43,867
• Household income: $78,503
• Rent vs Own: 33.9% rent · 66.1% own
• Severe rent burden: 1514.0

Population outlook (Black Hawk County) Hauer SSP2

• Today (2025): 139,716 people
• By 2030: 142,853 · +2.2%
• By 2040: 147,843 · +5.8%
• By 2050: 153,247 · +9.7%
• By 2075: 167,977 · +20.2%
• By 2100: 177,320 · +26.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Asian 3% Two or more races 3% Hispanic / Latino 3% Black 1%
• Common ancestry: Portuguese 6% Italian 3% Iranian 3%
• Foreign-born: 4% · Canada, South Korea
• Languages at home: 95% English-only · Spanish 2% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Black Hawk

• 2024 margin: Toss-up / Even · D 50.0% · R 48.8% · Other 1.2%
• 2008→2024 swing: -21.3pp toward R · 2008: 22.4pp · 2024: 1.2pp
• All cycles: 2024: D+1.2 2020: D+9.0 2016: D+7.3 2012: D+20.0 2008: D+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -175.51%
• Current HPI: 169.0591
• Rent YoY: ▲ 1.97%
• Metro: Waterloo-Cedar Falls, IA
• State GDP YoY: ▲ 2.48%
• F500 in state: 4

Industry mix (Fortune 500 HQ in IA)

Industry	F500 HQs	Revenue
▸Financial Services	1	$16B
▸Retail / Convenience	1	$15B

Price history

+4.4% since first listed

4 events — show timeline

• 2026-03-24 Price Changed $297,400 NEIRBR as distributed by MLS GRID
• 2025-12-07 Price Changed $299,900 NEIRBR as distributed by MLS GRID
• 2025-11-22 Listed $305,000 NEIRBR as distributed by MLS GRID
• 2024-03-04 Sold (Public Records) $285,000 Public Records

Property tax history

+100.7%/yr

Latest (2025): $3,440 · -3.6% YoY. Source: county tax records.