7636 Ansley Rd · Richmond, VA 23231

$150,000

4 bd · 1.5 ba · 1,678 sqft · SingleFamily public records · 11 Days on market

Built 1975 1.07 ac lot $89/sqft · 64% below area

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.7/10.0
• ARV discount +7.5/15.0
• Schools +4.9/10.0
• Livability +4.2/5.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity knocks with this 4-bedroom, 2-bath tri-level home in Eastern Henrico that offers 1,678 sq ft on just over 1 acre lot! The upper level features 3 spacious bedrooms that share a full bath and shower combo. The main level includes an eat in kitchen, spacious living room, and dining area with access to a large covered patio overlooking the back yard—perfect for entertaining or relaxing. The lower level offers a 4th bedroom, full bath with shower, utility room, and a large family room with a wood-burning fireplace and separate side entry to a brick patio. Additional highlights include a brick fireplace, large detached garage/storage space, and a quiet cul-de-sac location in Hen

Key facts

• Brick patio
• Eat in kitchen
• Large covered patio

Tags

• EAT IN KITCHEN
• LARGE COVERED PATIO
• WOOD BURNING FIREPLACE
• BRICK PATIO
• QUIET CUL DE SAC LOCATION
• CLOSE TO JAMES RIVER

Property features AI

Finance

• Other: Below-grade finished area included; Above-grade finished area included; Irregular lot on a dead end / cul-de-sac (approx. 1.0686 acres)

Exterior

• Parking: 2-car garage; Detached garage; Oversized garage with workshop and storage; Driveway (unpaved)
• Utilities: Well water; Septic tank
• Home design: 3 stories; Resale property; R3 zoning
• Construction: Brick, frame and vinyl siding exterior with drywall interior; Slab foundation; Built (year: actual — listed as year-built details: Actual)
• Exterior features: Outbuilding(s); Front porch; Rear porch; Side porch; Unpaved driveway; Level topography

Interior

• Kitchen: Stove; Dishwasher; Laminate counters; Eat-in kitchen / Breakfast area
• Bedrooms: Primary bedroom (Second level); Bedroom 2 (Second level); Bedroom 3 (Second level); Bedroom 4 (Basement)
• Flooring: Laminate; Partially carpeted; Vinyl
• Bathrooms: 2 full bathrooms (one on Second level with tub & shower; one in Basement with tub & shower)
• Heating & cooling: Baseboard heating (Electric); Window unit(s) for cooling
• Interior features: Bedroom on main level; Breakfast area; Bay window; Ceiling fan(s); Dining area; Eat-in kitchen; Fireplace; Laminate counters; Cable TV; Paneling/Wainscoting; Insulated doors
• Laundry & utility: Washer hookup; Dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $721 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Cap rate 12.1% vs local median 3.3% in Richmond — 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 84/100 on livability (#33 in VA, #793 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, health & safety A+; Watch: crime D-.
• Henrico County Public School District (suburban): math 49% / reading 64% proficiency, ranked #68 of 131 in VA (top 52%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+1.1%/yr); 186 active listings in the ZIP; solid renter incomes; 1,826 units permitted in Henrico County in 2024 (785 in 5+ unit buildings).
• This rent runs 35% of the median local income ($77k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Henrico County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 1.1% rent growth), your $42k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $97k; list at $150k implies a 55% 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 $150,000

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 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?
4. Crime grade is D 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: 1.47% ✓
• Cap rate: 12.06%
• Cash-on-cash: 20.60%
• DSCR: 1.92
• GRM: 5.7

CMA / ARV

• ARV (median comp): $417,998
• List price: $150,000
• Delta: -64.11%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7700 New Settlement Ct	0.17mi	3/2.0 (-1)	1,601 (-5%)	8mo	$399,130	$249	71
7505 Indian River Run	0.27mi	3/2.0 (-1)	1,601 (-5%)	9mo	$365,165	$228	65
7500 Indian River Run	0.28mi	3/2.0 (-1)	1,601 (-5%)	10mo	$389,055	$243	64
7413 Settlers Ridge Ct	0.45mi	3/2.0 (-1)	1,641 (-2%)	10mo	$390,000	$238	60
7585 Ansley Rd	0.11mi	3/2.0 (-1)	1,476 (-12%)	11mo	$350,000	$237	59
1728 New Settlement Dr	0.14mi	3/2.0 (-1)	1,898 (+13%)	8mo	$426,005	$224	58
1725 New Settlement Dr	0.16mi	3/2.0 (-1)	1,898 (+13%)	9mo	$464,775	$245	56
7509 Indian River Run	0.26mi	3/2.0 (-1)	1,898 (+13%)	12mo	$466,425	$246	49
1301 Tree Ridge Rd	0.61mi	4/2.5	1,832 (+9%)	12mo	$395,000	$216	42
1180 Berryhill Rd	0.72mi	3/2.0 (-1)	1,508 (-10%)	4mo	$355,000	$235	39
1561 Burning Tree Rd	0.55mi	3/2.5 (-1)	1,440 (-14%)	5mo	$360,000	$250	38
7819 Wilton Rd	0.73mi	3/2.5 (-1)	1,512 (-10%)	8mo	$380,000	$251	34

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 · 1.06% rent growth · sell at horizon

5-year hold

• IRR: 10.7%
• Equity multiple: 1.41×
• Total profit: $17,408
• Equity at exit: $22,365

10-year hold

• IRR: 18.2%
• Equity multiple: 2.37×
• Total profit: $57,686
• Equity at exit: $12,969

Cash invested: $42,000 (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 23231

• Rents YoY: 1.1%
• Active inventory: 186
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $2,212 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$177 /mo · $2,126/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$464
• Net cashflow: $721

Break-even live

Break-even rent $1,299

Max offer price $150,000

Occupancy floor 62%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-05-04
   status Pending 1039-char remark
2. 2026-04-22
   listed $150,000 Active 1039-char remark
3. 1999-06-01
   soldstatus $97,000
4. 1990-08-01
   soldstatus $85,500

ⓘ 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: $2,126 · $177/mo
• Projected year-2 tax: $2,126 · $177/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 4/10 Moderate
• 🌡 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 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,541
• − Mortgage interest: −$8,402
• − Property taxes: −$2,126
• − Insurance: −$750
• − Repairs & maintenance: −$2,123
• − Management: −$2,123
• − Depreciation: −$4,364
• Taxable income: $6,653
• Est. tax owed @ 24.0%: −$1,597
• After-tax cash flow: $7,056/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: Henrico County Public School District
• NCES district ID: 5101890
• Math proficiency: 49% ▼ -32.00%
• Reading proficiency: 64% ▼ -12.00%
• Median HH income: $61,854
• Composite: 49.25/100
• National rank: #2031
• State rank: #68 of 131 in VA

Livability — Richmond

• Score: 84/100
• State rank: #33
• US rank: #793

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Henrico County · 334,490 people
• City population: 287,109
• Metro: Richmond, VA
• Population (ZIP): 38,544
• Household income: $76,505
• Rent vs Own: 33.0% rent · 67.0% own
• Severe rent burden: 1555.0

Population outlook (Henrico County) Hauer SSP2

• Today (2025): 365,885 people
• By 2030: 384,255 · +5.0%
• By 2040: 416,688 · +13.9%
• By 2050: 442,376 · +20.9%
• By 2075: 488,037 · +33.4%
• By 2100: 487,430 · +33.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Black (59%)
• Race & ethnicity: Black 59% White 34% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Slovak 1% Serbian 1% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 3% French/Haitian/Cajun 1%

Political lean MEDSL · Henrico

• 2024 margin: Strong D (+28.9) · D 63.7% · R 34.8% · Other 1.5%
• 2008→2024 swing: +16.6pp toward D · 2008: 12.2pp · 2024: 28.9pp
• All cycles: 2024: D+28.9 2020: D+29.0 2016: D+21.0 2012: D+11.7 2008: D+12.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -207.28%
• Current HPI: 315.8154
• Rent YoY: ▲ 1.06%
• 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

+75.4% since first listed

4 events — show timeline

• 2026-05-04 Pending — CVRMLS
• 2026-04-22 Listed $150,000 CVRMLS
• 1999-06-01 Sold (Public Records) $97,000 Public Records
• 1990-08-01 Sold (Public Records) $85,500 Public Records

Property tax history

+4.1%/yr

Latest (2025): $2,126 · +1.0% YoY. Source: county tax records.