38894 S Carefree Dr · Saddlebrooke, AZ
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 6/10 · Moderate
- Est. fire insurance / yr
- $610 – $1,132
Heat risk 7/10 · Major
- Hot days now (above 100°F)
- 7 days/yr
- Hot days in 30 yrs
- 20 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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 +15.2/30.0
- ARV discount +7.5/15.0
- DSCR +4.7/10.0
- 1% rule +4.1/10.0
- Livability +3.1/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Schools +2.1/10.0
- Appreciation +0.0/10.0
$325,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
Key facts
- $223 HOA
- 2 garage spots
- Community pool
Property features AI
Finance
- Other: Model: Portofino; Living area: 1,651; Lot features include 39 x 117 x 39 x 118 dimensions
- HOA & community: Has association (sbhoa2); HOA fee $223 (paid semi-annually); HOA transfer fee $505; HOA covers common area maintenance, exterior maintenance of unit, pest control, roof repair/replacement, and street maintenance; Community amenities include clubhouse, pool, spa/hot tub, tennis courts, pickleball, putting green, fitness center, recreation center, athletic facilities, and parks
Exterior
- Parking: Attached 2-car garage with garage door opener and built-in cabinets; 2 covered parking spaces
- Security: Smoke detector(s)
- Utilities: Water from water company; Sewer connected
- Home design: Townhouse (Portofino model); One level; Faces west
- Construction: Frame with stucco exterior; Tile roof
- Exterior features: Covered paver patio; Decorative gravel and shrubs; East/West exposure; Paved road
Interior
- Kitchen: Exhaust fan; Dishwasher; Disposal; Refrigerator; Gas range; Microwave; Water softener
- Flooring: Carpet; Ceramic tile
- Bathrooms: 2 full bathrooms
- Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fans
- Interior features: Cathedral ceilings; Walk-in closets; Smoke detectors
- Laundry & utility: Laundry room with washer and dryer; Additional storage
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath condo listed at $325k.
Deal economics
- At list price, monthly cash flow is $115 ($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 $297k (8.7% below list).
- Recommended offer: $297k (8.7% below list) — sets the bar for 1% rule.
- Cap rate 6.7% vs local median 3.9% in Saddlebrooke — 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 61/100 on livability (#168 in AZ) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A-; Watch: amenities F, commute F, cost of living F.
- Oracle Elementary District (4444) (rural): math 15% / reading 30% proficiency, ranked #159 of 249 in AZ (top 64%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Zoned schools: Mountain Vista School (math 15% / reading 30%, grade F, #679 of 1,109 statewide, top 62%, 399 students, 55% FRL) — zoned schools average 55% FRL vs 37% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: 278 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 9,504 units permitted in Pinal County in 2024 (776 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 $10k of value loss. Plan a longer hold.
Negotiation context
- It's been on market 68 days — a 6% lower offer ($306k) is reasonable based on typical stale-listing flexibility.
- 10 sale attempts since 26y 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: major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 68 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 0.91% ✗
- Cap rate
- 6.72%
- Cash-on-cash
- 1.52%
- DSCR
- 1.07
- GRM
- 9.1
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- -13.9%
- Equity multiple
- 0.50×
- Total profit
- $-45,300
- Equity at exit
- $48,459
- IRR
- -5.0%
- Equity multiple
- 0.67×
- Total profit
- $-29,868
- Equity at exit
- $28,100
Cash invested: $91,000 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Arizona
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 85739
- Home prices YoY
- -34.1%
- Active inventory
- 278
- Price-to-rent
- 9.1×
Monthly cashflow live
- Estimated rent
- $2,967 high interval (Pro) →
- Mortgage (P&I)
- −$1,704
- Tax from tax record
- −$166 /mo · $1,993/yr
- Insurance
- −$135
- HOA
- −$223
- Vacancy / Maint / Mgmt
- −$623
- Net cashflow
- $115
Break-even live
Sensitivity live
| Price | -10% $299 | -5% $207 | +0% $115 | +5% $23 | +10% $-69 |
|---|---|---|---|---|---|
| Rent | -10% $-119 | -5% $-2 | +0% $115 | +5% $232 | +10% $349 |
| Rate | -1.0pp $279 | -0.5pp $198 | base $115 | +0.5pp $31 | +1.0pp $-55 |
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
- $81,250
- Closing costs
- $9,750
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 19 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 38844 S Carefree Dr Tucson, AZ | 2.0 | 2.0 | 1740 | $3,500 | $2.01 | 20d | 1 | 0.04mi |
| 38973 S Tranquil Dr Tucson, AZ | 2.0 | 2.0 | 1448 | $2,800 | $1.93 | 26d | 1 | 0.06mi |
| 38873 S Serenity Ln Tucson, AZ | 2.0 | 2.0 | 1709 | $2,875 | $1.68 | 26d | 1 | 0.12mi |
| 63692 E Vacation Dr Tucson, AZ | 2.0 | 2.0 | 1709 | $2,800 | $1.64 | 12d | 1 | 0.12mi |
| 38774 S Desert Bluff Dr Tucson, AZ | 2.0 | 2.0 | 1638 | $2,775 | $1.69 | 20d | 1 | 0.20mi |
| 38162 S Desert Bluff Dr Tucson, AZ | 2.0 | 2.5 | 2106 | $2,950 | $1.40 | 26d | 1 | 0.51mi |
| 39548 S Summerwood Dr Tucson, AZ | 2.0 | 1.5 | 1638 | $2,700 | $1.65 | 3d | 1 | 0.73mi |
| 39589 S Summerwood Dr Tucson, AZ | 2.0 | 2.0 | 1650 | $3,000 | $1.82 | 3d | 1 | 0.76mi |
| 39019 S Moonwood Dr Tucson, AZ | 2.0 | 2.0 | 1959 | $2,800 | $1.43 | 20d | 1 | 0.78mi |
| 38325 S Mountain Site Dr Tucson, AZ | 2.0 | 2.5 | 2218 | $2,975 | $1.34 | 18d | 1 | 0.85mi |
| 64528 E Wind Ridge Cir Tucson, AZ | 2.0 | 2.0 | 1456 | $2,700 | $1.85 | 20d | 1 | 0.96mi |
| 64576 E Wind Ridge Cir Tucson, AZ | 2.0 | 2.0 | 1544 | $2,700 | $1.75 | 26d | 1 | 0.97mi |
| 37330 S Canyon View Dr Tucson, AZ | 2.0 | 2.0 | 1428 | $3,500 | $2.45 | 26d | 1 | 1.02mi |
| 38040 S Elbow Bend Dr Tucson, AZ | 2.0 | 1.5 | 1810 | $2,400 | $1.33 | 26d | 1 | 1.07mi |
| 38045 S Elbow Bend Dr Tucson, AZ | 3.0 | 2.0 | 2141 | $3,100 | $1.45 | 26d | 1 | 1.10mi |
| 63945 E Orangewood Ln Tucson, AZ | 2.0 | 2.0 | 2194 | $2,900 | $1.32 | 26d | 1 | 1.10mi |
| 65091 E Diamond Ridge Ct Tucson, AZ | 2.0 | 2.0 | 2075 | $2,800 | $1.35 | 26d | 1 | 1.19mi |
| 37514 S Desert Star Ct Tucson, AZ | 2.0 | 2.0 | 1576 | $2,500 | $1.59 | 6d | 1 | 1.42mi |
| 61736 E Oakwood Dr Tucson, AZ | 2.0 | 2.0 | 1478 | $4,300 | $2.91 | 3d | 1 | 1.45mi |
HOA detail condo
- Monthly dues
- $223 · $2,676/yr
- Likely covers
- watergas
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 48 events
-
2026-06-21days on market $325,000 Active 68 DOM
-
2026-06-18days on market $325,000 Active 65 DOM
-
2026-06-17days on market $325,000 Active 64 DOM
-
2026-06-16days on market $325,000 Active 63 DOM
-
2026-06-15days on market $325,000 Active 62 DOM
-
2026-06-13days on market $325,000 Active 60 DOM
-
2026-06-13days on market $325,000 Active 59 DOM
-
2026-06-09days on market $325,000 Active 56 DOM
-
2026-06-08days on market $325,000 Active 55 DOM
-
2026-06-07days on market $325,000 Active 54 DOM
-
2026-06-04days on market $325,000 Active 51 DOM
-
2026-06-03days on market $325,000 Active 50 DOM
-
2026-06-02days on market $325,000 Active 49 DOM
-
2026-06-01days on market $325,000 Active 48 DOM
-
2026-05-31days on market $325,000 Active 47 DOM
-
2026-04-14$325,000 Active
-
2024-12-10soldstatus $315,000 Closed 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-12-10soldstatus $315,000
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-12-01status Pending 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-11-18historical Active Contingent 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-10-09price $322,500 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-04-25status Active 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-04-13historical Active Contingent 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-04-07status Active 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-04-02historical Active Contingent 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
-
2024-02-02$345,000 Active 797-char remark
Show marketing remark (797 chars)
New HVAC (2024)! Portofino villa backs east with tiled AZ room and paver patio. New carpet in both bedrooms and closets (2024), tile floors and grout professionally cleaned (2024). Kitchen has granite counters, gas range, stainless appliances. Office space off the kitchen. Primary suite has dual vanity, shower and walk-in closet. Guest room has walk-in closet - doubles as a den if outfitted with a Murphy bed. Shutters throughout the villa. Utility sink and storage cabinets in garage. Water heater (2021) w/recirc pump, water softener/ conditioning system (2021). Privacy planter trellises add to patio atmosphere. Move-in ready - unpack and enjoy all that SaddleBrooke has to offer in this active adult community! Exterior is maintained by the Villas HOA - roof, paint, termite and landscape.
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2021-08-18soldstatus $342,500 Closed 141-char remark
Show marketing remark (141 chars)
This Tucson one-story home offers granite countertops, and a two-car garage. This home has been virtually staged to illustrate its potential.
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2021-08-18soldstatus $342,500
Show marketing remark (141 chars)
This Tucson one-story home offers granite countertops, and a two-car garage. This home has been virtually staged to illustrate its potential.
-
2021-07-06$345,000 Active 141-char remark
Show marketing remark (141 chars)
This Tucson one-story home offers granite countertops, and a two-car garage. This home has been virtually staged to illustrate its potential.
-
2021-06-28soldstatus $328,000
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2017-06-19soldstatus $218,000 Closed
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2017-06-19soldstatus $218,000
-
2017-05-09status Pending
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2017-04-23historical Active CAPA
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2017-02-14$230,000 Active
-
2015-04-01soldstatus $205,000 Closed
-
2015-04-01soldstatus $205,000
-
2015-03-17status Pending
-
2015-02-14historical Active Contingent
-
2015-02-10$210,000 Active
-
2004-06-11soldstatus $179,000
-
2003-03-31historical
-
2003-01-01$176,500
-
2001-07-02soldstatus $162,000
-
2001-07-02soldstatus $162,000
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2001-03-19$169,900
-
2001-03-18historical
-
2000-09-18$169,900
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast AZ · Resets to sale price
- Current annual tax
- $1,993 · $166/mo
- Projected year-2 tax
- $2,145 · $179/mo
- Expected delta
- +$152/yr (+$13/mo · 7.6%)
ⓘ 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 6/10 Major
- Heat 7/10 Severe 7 d/yr ≥100°F today · 20 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $35,604
- − Mortgage interest
- −$18,205
- − Property taxes
- −$1,993
- − Insurance
- −$1,625
- − Repairs & maintenance
- −$2,848
- − Management
- −$2,848
- − HOA
- −$2,676
- − Depreciation
- −$9,455
- Taxable loss
- −$4,046
- Est. tax savings @ 24.0%
- +$971
- After-tax cash flow
- $2,352/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
- Oracle Elementary District (4444)
- NCES district ID
- 0405640
- Math proficiency
- 15% ▼ -9.00%
- Reading proficiency
- 30% ▲ 3.00%
- Median HH income
- $60,899
- Composite
- 20.97/100
- National rank
- #8469
- State rank
- #159 of 249 in AZ
Livability — Saddlebrooke
- Score
- 61/100
- State rank
- #168
- US rank
- #18326
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Saddlebrooke, AZ
- Population (ZIP)
- 18,749
Population outlook (Pinal County) Hauer SSP2
- Today (2025)
- 437,574 people
- By 2030
- 446,903 · +2.1%
- By 2040
- 452,589 · +3.4%
- By 2050
- 444,126 · +1.5%
- By 2075
- 430,300 · -1.7%
- By 2100
- 393,536 · -10.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (78%)
- Race & ethnicity
- White 78% Hispanic / Latino 17% Two or more races 9%
- Hispanic origin (detail)
- Mexican 13%
- Common ancestry
- Romanian 4% Slovak 4% Portuguese 3%
- Foreign-born
- 9% · Canada, Jamaica
- Languages at home
- 87% English-only · Spanish 11% German/W. Germanic 1%
Political lean MEDSL · Pinal
- 2024 margin
- Strong R (+22.1) · D 38.5% · R 60.6%
- 2008→2024 swing
- -7.6pp toward R · 2008: -14.5pp · 2024: -22.1pp
- All cycles
- 2024: R+22.1 2020: R+17.3 2016: R+19.3 2012: R+17.1 2008: R+14.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -109.24%
- Current HPI
- 211.3845
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 4.54%
- F500 in state
- 20
Industry mix (Fortune 500 HQ in AZ)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Technology | 2 | $13B |
|
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| Mining / Metals | 1 | $23B |
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| Environmental Services | 1 | $16B |
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| Metals / Steel | 1 | $14B |
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| Technology Distribution | 1 | $9B |
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| Homebuilding | 1 | $8B |
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Price history
+91.3% since first listed33 events — show timeline
- 2026-04-14 Listed $325,000 MLSSAZ
- 2024-12-10 Sold (Public Records) $315,000 Public Records
- 2024-12-10 Sold (MLS) $315,000 MLSSAZ
- 2024-12-01 Pending — MLSSAZ
- 2024-11-18 Contingent — MLSSAZ
- 2024-10-09 Price Changed $322,500 MLSSAZ
- 2024-04-25 Relisted — MLSSAZ
- 2024-04-13 Contingent — MLSSAZ
- 2024-04-07 Relisted — MLSSAZ
- 2024-04-02 Contingent — MLSSAZ
- 2024-02-02 Listed $345,000 MLSSAZ
- 2021-08-18 Sold (Public Records) $342,500 Public Records
- 2021-08-18 Sold (MLS) $342,500 MLSSAZ
- 2021-07-06 Listed $345,000 MLSSAZ
- 2021-06-28 Sold (Public Records) $328,000 Public Records
- 2017-06-19 Sold (Public Records) $218,000 Public Records
- 2017-06-19 Sold (MLS) $218,000 MLSSAZ
- 2017-05-09 Pending — MLSSAZ
- 2017-04-23 Contingent — MLSSAZ
- 2017-02-14 Listed $230,000 MLSSAZ
- 2015-04-01 Sold (Public Records) $205,000 Public Records
- 2015-04-01 Sold (MLS) $205,000 MLSSAZ
- 2015-03-17 Pending — MLSSAZ
- 2015-02-14 Contingent — MLSSAZ
- 2015-02-10 Listed $210,000 MLSSAZ
- 2004-06-11 Sold (Public Records) $179,000 Public Records
- 2003-03-31 Listing Removed — MLSSAZ
- 2003-01-01 Listed $176,500 MLSSAZ
- 2001-07-02 Sold (Public Records) $162,000 Public Records
- 2001-07-02 Sold (MLS) $162,000 MLSSAZ
- 2001-03-19 Listed $169,900 MLSSAZ
- 2001-03-18 Listing Removed — MLSSAZ
- 2000-09-18 Listed $169,900 MLSSAZ
Property tax history
+1.8%/yrLatest (2025): $1,993 · +5.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…