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38894 S Carefree Dr
D Composite 41.69
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

38894 S Carefree Dr · Saddlebrooke, AZ 85739
2 bd · 2.0 ba · 1,651 sqft · Condo public records · 68 Days on market
Built 1999 $223/mo HOA · 8% of rent

🖨 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

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

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.
Recommended offer $296,704 (8.7% below list)

Questions for the listing agent

  1. 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?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. 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?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  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 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

5-year hold
IRR
-13.9%
Equity multiple
0.50×
Total profit
$-45,300
Equity at exit
$48,459
10-year hold
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
5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

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

Break-even rent $2,821
Max offer price $325,000
Occupancy floor 91%

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

AddressBedsBaths SqftRent$/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

  1. 2026-06-21
    days on market $325,000 Active 68 DOM
  2. 2026-06-18
    days on market $325,000 Active 65 DOM
  3. 2026-06-17
    days on market $325,000 Active 64 DOM
  4. 2026-06-16
    days on market $325,000 Active 63 DOM
  5. 2026-06-15
    days on market $325,000 Active 62 DOM
  6. 2026-06-13
    days on market $325,000 Active 60 DOM
  7. 2026-06-13
    days on market $325,000 Active 59 DOM
  8. 2026-06-09
    days on market $325,000 Active 56 DOM
  9. 2026-06-08
    days on market $325,000 Active 55 DOM
  10. 2026-06-07
    days on market $325,000 Active 54 DOM
  11. 2026-06-04
    days on market $325,000 Active 51 DOM
  12. 2026-06-03
    days on market $325,000 Active 50 DOM
  13. 2026-06-02
    days on market $325,000 Active 49 DOM
  14. 2026-06-01
    days on market $325,000 Active 48 DOM
  15. 2026-05-31
    days on market $325,000 Active 47 DOM
  16. 2026-04-14
    listed $325,000 Active
  17. 2024-12-10
    soldstatus $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.

  18. 2024-12-10
    soldstatus $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.

  19. 2024-12-01
    status 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.

  20. 2024-11-18
    historical 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.

  21. 2024-10-09
    price $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.

  22. 2024-04-25
    status 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.

  23. 2024-04-13
    historical 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.

  24. 2024-04-07
    status 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.

  25. 2024-04-02
    historical 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.

  26. 2024-02-02
    listed $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.

  27. 2021-08-18
    soldstatus $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.

  28. 2021-08-18
    soldstatus $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.

  29. 2021-07-06
    listed $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.

  30. 2021-06-28
    soldstatus $328,000
  31. 2017-06-19
    soldstatus $218,000 Closed
  32. 2017-06-19
    soldstatus $218,000
  33. 2017-05-09
    status Pending
  34. 2017-04-23
    historical Active CAPA
  35. 2017-02-14
    listed $230,000 Active
  36. 2015-04-01
    soldstatus $205,000 Closed
  37. 2015-04-01
    soldstatus $205,000
  38. 2015-03-17
    status Pending
  39. 2015-02-14
    historical Active Contingent
  40. 2015-02-10
    listed $210,000 Active
  41. 2004-06-11
    soldstatus $179,000
  42. 2003-03-31
    historical
  43. 2003-01-01
    listed $176,500
  44. 2001-07-02
    soldstatus $162,000
  45. 2001-07-02
    soldstatus $162,000
  46. 2001-03-19
    listed $169,900
  47. 2001-03-18
    historical
  48. 2000-09-18
    listed $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
combined federal + state — saved on this device
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

Amenities F Commute F Cost of living F 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
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

Price history

+91.3% since first listed
33 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%/yr

Latest (2025): $1,993 · +5.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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