1009 N Trotter Rd · Dermott, AR 71638

$100,000

4 bd · 2.0 ba · 1,680 sqft · SingleFamily public records · 211 Days on market

0.34 ac lot $60/sqft · 286% above area

---

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 +29.6/30.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +7.2/10.0
• Appreciation +4.5/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.6/10.0

Listing remarks MLS

This nicely maintained 4-bedroom, 3-bath home features an inviting open floor plan perfect for modern living. Nestled on a spacious . 34 (+/-) acre lot In Dermott, Arkansas of Chicot County, this property offers plenty of room to relax, entertain, and enjoy the outdoors. With its spacious bedrooms and walk-in closets, you will feel right at home. It is move-in ready and conveniently located. Come check it out today!

Key facts

• 0.34 acre lot
• 4 parking spots
• Listed 210 days

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $361 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#164 in AR) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools F, amenities F, commute F.
• Dermott School District (town): math 7% / reading 11% proficiency, ranked #234 of 238 in AR (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 98% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 31 active listings in the ZIP; 7 units permitted in Chicot County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Chicot County population projected at -31% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-1.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 211 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $88,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 211 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.22% ✓
• Cap rate: 10.63%
• Cash-on-cash: 15.48%
• DSCR: 1.69
• GRM: 6.8

CMA / ARV

• ARV (median comp): $25,896
• List price: $100,000
• Delta: 286.16%
• Verdict: OVERPRICED
• Comps: 3 within 1.0 mi

Projected returns pro-forma

-1.01% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 12.2%
• Equity multiple: 1.55×
• Total profit: $15,401
• Equity at exit: $24,102

10-year hold

• IRR: 18.2%
• Equity multiple: 2.82×
• Total profit: $50,990
• Equity at exit: $25,278

Cash invested: $28,000 (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 71638

• Home prices YoY: -1.6%
• Active inventory: 31
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,219 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$36 /mo · $429/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$256
• Net cashflow: $361

Break-even live

Break-even rent $762

Max offer price $100,000

Occupancy floor 65%

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-19
   days on market $100,000 Active 211 DOM
2. 2026-06-18
   days on market $100,000 Active 210 DOM
3. 2026-06-17
   days on market $100,000 Active 209 DOM
4. 2026-06-16
   days on market $100,000 Active 208 DOM
5. 2026-06-15
   days on market $100,000 Active 207 DOM
6. 2026-06-14
   days on market $100,000 Active 205 DOM
7. 2026-06-12
   days on market $100,000 Active 204 DOM
8. 2026-06-09
   days on market $100,000 Active 201 DOM
9. 2026-06-08
   days on market $100,000 Active 200 DOM
10. 2026-06-07
    days on market $100,000 Active 199 DOM
11. 2026-06-05
    days on market $100,000 Active 197 DOM
12. 2026-06-04
    days on market $100,000 Active 195 DOM
13. 2026-06-02
    days on market $100,000 Active 194 DOM
14. 2026-06-01
    days on market $100,000 Active 193 DOM
15. 2026-05-31
    days on market $100,000 Active 192 DOM
16. 2026-05-31
    days on market $100,000 Active 191 DOM
17. 2025-11-19
    listed $100,000 New Listing 419-char remark

    Show marketing remark (419 chars)

    This nicely maintained 4-bedroom, 3-bath home features an inviting open floor plan perfect for modern living. Nestled on a spacious . 34 (+/-) acre lot In Dermott, Arkansas of Chicot County, this property offers plenty of room to relax, entertain, and enjoy the outdoors. With its spacious bedrooms and walk-in closets, you will feel right at home. It is move-in ready and conveniently located. Come check it out today!

18. 2025-11-19
    listed $100,000 Active 419-char remark

    Show marketing remark (419 chars)

    This nicely maintained 4-bedroom, 3-bath home features an inviting open floor plan perfect for modern living. Nestled on a spacious . 34 (+/-) acre lot In Dermott, Arkansas of Chicot County, this property offers plenty of room to relax, entertain, and enjoy the outdoors. With its spacious bedrooms and walk-in closets, you will feel right at home. It is move-in ready and conveniently located. Come check it out today!

19. 2025-11-19
    listed $100,000 Active

    Show marketing remark (419 chars)

    This nicely maintained 4-bedroom, 3-bath home features an inviting open floor plan perfect for modern living. Nestled on a spacious . 34 (+/-) acre lot In Dermott, Arkansas of Chicot County, this property offers plenty of room to relax, entertain, and enjoy the outdoors. With its spacious bedrooms and walk-in closets, you will feel right at home. It is move-in ready and conveniently located. Come check it out today!

ⓘ 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: $429 · $36/mo
• Projected year-2 tax: $640 · $53/mo
• Expected delta: +$211/yr (+$18/mo · 49.1%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥111°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,628
• − Mortgage interest: −$5,602
• − Property taxes: −$429
• − Insurance: −$500
• − Repairs & maintenance: −$1,170
• − Management: −$1,170
• − Depreciation: −$2,909
• Taxable income: $2,847
• Est. tax owed @ 24.0%: −$683
• After-tax cash flow: $3,650/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: Dermott School District
• NCES district ID: 0505170
• Math proficiency: 7% ▼ -11.00%
• Reading proficiency: 11% ▼ -10.00%
• Median HH income: $25,589
• Composite: 6.45/100
• National rank: #9996
• State rank: #234 of 238 in AR

Livability — Dermott

• Score: 64/100
• State rank: #164
• US rank: #13856

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dermott, AR
• Population (ZIP): 3,313

Population outlook (Chicot County) Hauer SSP2

• Today (2025): 9,681 people
• By 2030: 9,007 · -7.0%
• By 2040: 7,744 · -20.0%
• By 2050: 6,698 · -30.8%
• By 2075: 4,745 · -51.0%
• By 2100: 3,116 · -67.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Black (60%)
• Race & ethnicity: Black 60% White 34% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Italian 1% Iranian 1%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Chicot

• 2024 margin: Toss-up / Even · D 51.5% · R 47.5% · Other 1.0%
• 2008→2024 swing: -13.8pp toward R · 2008: 17.7pp · 2024: 4.0pp
• All cycles: 2024: D+4.0 2020: D+12.4 2016: D+15.3 2012: D+22.4 2008: D+17.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.01%
• Current HPI: 62.1972
• Rent YoY: —
• Metro: —
• 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

+0.0% since first listed

3 events — show timeline

• 2025-11-19 Listed $100,000 WRVBOR
• 2025-11-19 Listed $100,000 NWARMLS
• 2025-11-19 Listed $100,000 CARMLS

Property tax history

-0.1%/yr

Latest (2025): $429 · +7.3% YoY. Source: county tax records.