3019 Tanya Ter · Rockwood, VA 23112

$285,000

3 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 91 Days on market

Built 1981 9,931 sqft lot $283/sqft · at area comps Est $300k · at est.

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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).

• Cash flow +15.0/30.0
• ARV discount +9.7/15.0
• Schools +5.2/10.0
• DSCR +4.6/10.0
• Livability +3.9/5.0
• 1% rule +3.3/10.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Meticulously maintained rancher offering significant modern upgrades in a prime Midlothian location! The home features a functional layout highlighted by a generous eat-in kitchen and fresh paint throughout. A comprehensive bathroom renovation was completed in Summer 2025, including an updated vanity and sink for a sleek finish. Critical infrastructure and efficiency upgrades include a climate-controlled crawlspace system installed in 2024, equipped with a dedicated dehumidifier and external pump for optimal moisture management. The exterior is protected by Dutch-style vinyl siding replaced approximately three years ago, complemented by recently integrated French drains installed this year to ensure superior property drainage. Outdoor amenities include a side deck for dining and a designated backyard fire pit area situated within the fully fenced lot. Ample storage solutions are provided by an attached rear shed and a sizable detached shed. Located within a desirable Chesterfield County neighborhood, the home is minutes from the scenic recreational trails of Rockwood Park and diverse shopping centers. Immediate access to Hull St and I-288 facilitates an efficient commute to the Greater Richmond area. Schedule a private showing today to experience this move-in ready home firsthand! Some photos have been virtually staged.

Key facts

• Modern upgrades
• French drains
• Eat-in kitchen

Tags

• MODERN UPGRADES
• EAT-IN KITCHEN
• BATHROOM RENOVATION
• CLIMATE-CONTROLLED CRAWLSPACE
• DUTCH-STYLE VINYL SIDING
• FRENCH DRAINS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $285k.

Deal economics

• At list price, monthly cash flow is $91 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $237k (16.8% below list).
• Recommended offer: $237k (16.8% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 4.2% in Rockwood — 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 (#86 in VA, #2,803 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, schools A; Watch: amenities F, commute F.
• Chesterfield County Public School District (suburban): math 52% / reading 64% proficiency, ranked #57 of 131 in VA (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+2.3%/yr); 492 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 2,307 units permitted in Chesterfield County in 2024 (462 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.
• Chesterfield County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($259k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 7y ago; this cycle's ask has dropped $15k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $158k; list at $285k implies a 80% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $237,091 (16.8% below list)

Questions for the listing agent

1. It's been on market 91 days. Have you received any prior offers? Is the seller open to a 17% 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 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.83% ✗
• Cap rate: 6.67%
• Cash-on-cash: 1.36%
• DSCR: 1.06
• GRM: 10.0

CMA / ARV

• ARV (median comp): $299,537
• List price: $285,000
• Delta: -4.85%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3128 Woodsong Dr	0.18mi	3/1.5	1,056 (+5%)	2mo	$317,000	$300	80
3201 Reginald Ct	0.17mi	3/1.0	960 (-5%)	11mo	$285,000	$297	75
3005 Tanya Ter	0.05mi	3/1.5	960 (-5%)	20mo	$269,000	$280	71
3200 Reginald Ct	0.18mi	3/1.0	960 (-5%)	21mo	$265,000	$276	66
3024 Gregwood Rd	0.16mi	3/2.0	1,112 (+10%)	9mo	$307,000	$276	64
11300 Pinemist Rd	0.42mi	3/1.0	1,008 (0%)	24mo	$245,000	$243	60
3111 Woodsong Dr	0.10mi	3/2.0	1,108 (+10%)	20mo	$309,000	$279	58
3124 Gregwood Rd	0.21mi	3/2.0	1,106 (+10%)	22mo	$318,000	$288	52
3130 Gregwood Rd	0.22mi	3/2.0	1,108 (+10%)	22mo	$306,550	$277	51

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 · 2.29% rent growth · sell at horizon

5-year hold

• IRR: -14.9%
• Equity multiple: 0.47×
• Total profit: $-42,173
• Equity at exit: $42,494

10-year hold

• IRR: -7.4%
• Equity multiple: 0.54×
• Total profit: $-36,419
• Equity at exit: $24,642

Cash invested: $79,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State Virginia: 55 Moderately Landlord-Leaning · D+2
• County: — inherits STATE
• City: — inherits STATE

VRLTA gives some tenant protections; Northern Virginia courts slower; rural VA landlord-leaning.

Methodology + full state rankings →

ZIP-level market 23112

• Rents YoY: 2.3%
• Active inventory: 492
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $2,371 high
• Mortgage (P&I): −$1,495
• Tax from tax record: −$169 /mo · $2,029/yr
• Insurance: −$119
• HOA: −$0
• Vacancy / Maint / Mgmt: −$498
• Net cashflow: $91

Break-even live

Break-even rent $2,256

Max offer price $285,000

Occupancy floor 91%

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: $71,250
• Closing costs: $8,550
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2900 Clintwood Rd Midlothian, VA	3.0	2.0	1500	$2,225	$1.48	20d	1	0.61mi
3310 Old Courthouse Rd North Chesterfield, VA	1.0–3.0	1.0–2.0	880	$2,408	$2.74	3d	9	0.66mi
3225 Hollyglen Ct Midlothian, VA	3.0	2.0	1274	$2,125	$1.67	23d	1	0.99mi
2003 Bethany Ridge Ter North Chesterfield, VA	2.0	1.0	794	$1,650	$2.08	3d	1	1.11mi
2350 Scenic Lake Dr Midlothian, VA	1.0–3.0	1.0–2.5	1255	$3,210	$2.56	1d	37	1.49mi

Listing history 22 events

1. 2026-06-18
   days on market $285,000 Active 91 DOM
2. 2026-06-17
   days on market $285,000 Active 90 DOM
3. 2026-06-16
   days on market $285,000 Active 89 DOM
4. 2026-06-15
   days on market $285,000 Active 88 DOM
5. 2026-06-13
   days on market $285,000 Active 86 DOM
6. 2026-06-13
   days on market $285,000 Active 85 DOM
7. 2026-06-09
   days on market $285,000 Active 82 DOM
8. 2026-06-08
   days on market $285,000 Active 81 DOM
9. 2026-06-07
   days on market $285,000 Active 80 DOM
10. 2026-06-05
    days on market $285,000 Active 77 DOM
11. 2026-06-03
    days on market $285,000 Active 76 DOM
12. 2026-06-02
    days on market $285,000 Active 75 DOM
13. 2026-06-01
    days on market $285,000 Active 74 DOM
14. 2026-05-31
    days on market $285,000 Active 73 DOM
15. 2026-05-06
    price $285,000 1347-char remark

    Show marketing remark (1347 chars)

    Meticulously maintained rancher offering significant modern upgrades in a prime Midlothian location! The home features a functional layout highlighted by a generous eat-in kitchen and fresh paint throughout. A comprehensive bathroom renovation was completed in Summer 2025, including an updated vanity and sink for a sleek finish. Critical infrastructure and efficiency upgrades include a climate-controlled crawlspace system installed in 2024, equipped with a dedicated dehumidifier and external pump for optimal moisture management. The exterior is protected by Dutch-style vinyl siding replaced approximately three years ago, complemented by recently integrated French drains installed this year to ensure superior property drainage. Outdoor amenities include a side deck for dining and a designated backyard fire pit area situated within the fully fenced lot. Ample storage solutions are provided by an attached rear shed and a sizable detached shed. Located within a desirable Chesterfield County neighborhood, the home is minutes from the scenic recreational trails of Rockwood Park and diverse shopping centers. Immediate access to Hull St and I-288 facilitates an efficient commute to the Greater Richmond area. Schedule a private showing today to experience this move-in ready home firsthand! Some photos have been virtually staged.

16. 2026-04-21
    price $290,000 1347-char remark

    Show marketing remark (1347 chars)

    Meticulously maintained rancher offering significant modern upgrades in a prime Midlothian location! The home features a functional layout highlighted by a generous eat-in kitchen and fresh paint throughout. A comprehensive bathroom renovation was completed in Summer 2025, including an updated vanity and sink for a sleek finish. Critical infrastructure and efficiency upgrades include a climate-controlled crawlspace system installed in 2024, equipped with a dedicated dehumidifier and external pump for optimal moisture management. The exterior is protected by Dutch-style vinyl siding replaced approximately three years ago, complemented by recently integrated French drains installed this year to ensure superior property drainage. Outdoor amenities include a side deck for dining and a designated backyard fire pit area situated within the fully fenced lot. Ample storage solutions are provided by an attached rear shed and a sizable detached shed. Located within a desirable Chesterfield County neighborhood, the home is minutes from the scenic recreational trails of Rockwood Park and diverse shopping centers. Immediate access to Hull St and I-288 facilitates an efficient commute to the Greater Richmond area. Schedule a private showing today to experience this move-in ready home firsthand! Some photos have been virtually staged.

17. 2026-03-30
    price $295,000 1347-char remark

    Show marketing remark (1347 chars)

    Meticulously maintained rancher offering significant modern upgrades in a prime Midlothian location! The home features a functional layout highlighted by a generous eat-in kitchen and fresh paint throughout. A comprehensive bathroom renovation was completed in Summer 2025, including an updated vanity and sink for a sleek finish. Critical infrastructure and efficiency upgrades include a climate-controlled crawlspace system installed in 2024, equipped with a dedicated dehumidifier and external pump for optimal moisture management. The exterior is protected by Dutch-style vinyl siding replaced approximately three years ago, complemented by recently integrated French drains installed this year to ensure superior property drainage. Outdoor amenities include a side deck for dining and a designated backyard fire pit area situated within the fully fenced lot. Ample storage solutions are provided by an attached rear shed and a sizable detached shed. Located within a desirable Chesterfield County neighborhood, the home is minutes from the scenic recreational trails of Rockwood Park and diverse shopping centers. Immediate access to Hull St and I-288 facilitates an efficient commute to the Greater Richmond area. Schedule a private showing today to experience this move-in ready home firsthand! Some photos have been virtually staged.

18. 2026-03-19
    listed $300,000 Active 1347-char remark

    Show marketing remark (1347 chars)

    Meticulously maintained rancher offering significant modern upgrades in a prime Midlothian location! The home features a functional layout highlighted by a generous eat-in kitchen and fresh paint throughout. A comprehensive bathroom renovation was completed in Summer 2025, including an updated vanity and sink for a sleek finish. Critical infrastructure and efficiency upgrades include a climate-controlled crawlspace system installed in 2024, equipped with a dedicated dehumidifier and external pump for optimal moisture management. The exterior is protected by Dutch-style vinyl siding replaced approximately three years ago, complemented by recently integrated French drains installed this year to ensure superior property drainage. Outdoor amenities include a side deck for dining and a designated backyard fire pit area situated within the fully fenced lot. Ample storage solutions are provided by an attached rear shed and a sizable detached shed. Located within a desirable Chesterfield County neighborhood, the home is minutes from the scenic recreational trails of Rockwood Park and diverse shopping centers. Immediate access to Hull St and I-288 facilitates an efficient commute to the Greater Richmond area. Schedule a private showing today to experience this move-in ready home firsthand! Some photos have been virtually staged.

19. 2019-06-27
    soldstatus $158,000 Closed 494-char remark

    Show marketing remark (494 chars)

    New roof, new hvac, new windows, new water heater, new carpet and new paint means you don't have to do anything except move in! This surprisingly roomy home is situated on a large lot with fenced in back yard and plenty of storage. Large updated eat-in kitchen combined with a large freshly carpeted living room makes this a very livable home! In a great neighborhood that is convenient to schools, work and shopping, what a great home for a first time buyer or a downsizer! Come see it today!

20. 2019-06-27
    soldstatus $158,000

    Show marketing remark (494 chars)

    New roof, new hvac, new windows, new water heater, new carpet and new paint means you don't have to do anything except move in! This surprisingly roomy home is situated on a large lot with fenced in back yard and plenty of storage. Large updated eat-in kitchen combined with a large freshly carpeted living room makes this a very livable home! In a great neighborhood that is convenient to schools, work and shopping, what a great home for a first time buyer or a downsizer! Come see it today!

21. 2019-05-01
    status Pending 494-char remark

    Show marketing remark (494 chars)

    New roof, new hvac, new windows, new water heater, new carpet and new paint means you don't have to do anything except move in! This surprisingly roomy home is situated on a large lot with fenced in back yard and plenty of storage. Large updated eat-in kitchen combined with a large freshly carpeted living room makes this a very livable home! In a great neighborhood that is convenient to schools, work and shopping, what a great home for a first time buyer or a downsizer! Come see it today!

22. 2019-04-26
    listed $167,000 Active 494-char remark

    Show marketing remark (494 chars)

    New roof, new hvac, new windows, new water heater, new carpet and new paint means you don't have to do anything except move in! This surprisingly roomy home is situated on a large lot with fenced in back yard and plenty of storage. Large updated eat-in kitchen combined with a large freshly carpeted living room makes this a very livable home! In a great neighborhood that is convenient to schools, work and shopping, what a great home for a first time buyer or a downsizer! Come see it 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 VA · Resets to sale price

• Current annual tax: $2,029 · $169/mo
• Projected year-2 tax: $2,337 · $195/mo
• Expected delta: +$308/yr (+$26/mo · 15.2%)

ⓘ 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 2/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% 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: $28,451
• − Mortgage interest: −$15,964
• − Property taxes: −$2,029
• − Insurance: −$1,425
• − Repairs & maintenance: −$2,276
• − Management: −$2,276
• − Depreciation: −$8,291
• Taxable loss: −$3,811
• Est. tax savings @ 24.0%: +$915
• After-tax cash flow: $2,002/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: Chesterfield County Public School District
• NCES district ID: 5100840
• Math proficiency: 52% ▼ -30.00%
• Reading proficiency: 64% ▼ -15.00%
• Median HH income: $72,821
• Composite: 51.56/100
• National rank: #1712
• State rank: #57 of 131 in VA

Livability — Rockwood

• Score: 77/100
• State rank: #86
• US rank: #2803

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Chesterfield County · 406,988 people
• Metro: Richmond, VA
• Population (ZIP): 57,016
• Household income: $116,465
• Rent vs Own: 19.4% rent · 80.6% own
• Severe rent burden: 897.0

Population outlook (Chesterfield County) Hauer SSP2

• Today (2025): 377,190 people
• By 2030: 395,710 · +4.9%
• By 2040: 427,694 · +13.4%
• By 2050: 452,706 · +20.0%
• By 2075: 505,533 · +34.0%
• By 2100: 521,282 · +38.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Black 14% Two or more races 7% Hispanic / Latino 6% Asian 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Lithuanian 4% Italian 4% Romanian 2%
• Foreign-born: 7% · Canada, China, Jamaica
• Languages at home: 91% English-only · Spanish 4% Other Indo-European 1% Arabic 1%

Political lean MEDSL · Chesterfield

• 2024 margin: Lean D (+9.0) · D 53.8% · R 44.8% · Other 1.4%
• 2008→2024 swing: +16.4pp toward D · 2008: -7.5pp · 2024: 9.0pp
• All cycles: 2024: D+9.0 2020: D+6.7 2016: R+2.2 2012: R+7.1 2008: R+7.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -224.87%
• Current HPI: 277.4841
• Rent YoY: ▲ 2.29%
• Metro: Richmond, VA
• State GDP YoY: ▲ 2.40%
• F500 in state: 50

Industry mix (Fortune 500 HQ in VA)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	4	$236B
▸Technology / Defense	3	$32B
▸Financial Services	2	$176B
▸Utilities	2	$27B
▸Insurance	2	$25B
▸Technology	2	$15B

Price history

+70.7% since first listed

8 events — show timeline

• 2026-05-06 Price Changed $285,000 CVRMLS
• 2026-04-21 Price Changed $290,000 CVRMLS
• 2026-03-30 Price Changed $295,000 CVRMLS
• 2026-03-19 Listed $300,000 CVRMLS
• 2019-06-27 Sold (Public Records) $158,000 Public Records
• 2019-06-27 Sold (MLS) $158,000 CVRMLS
• 2019-05-01 Pending — CVRMLS
• 2019-04-26 Listed $167,000 CVRMLS

Property tax history

+5.4%/yr

Latest (2025): $2,029 · +4.7% YoY. Source: county tax records.