5389 S Scott Pl · Chandler, AZ 85249

$665,000

5 bd · 5.0 ba · 4,015 sqft · SingleFamily public records · 55 Days on market

Built 2004 7,117 sqft lot $166/sqft · 16% below area Est $793k · 16% under $58/mo HOA · 1% of rent

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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).

• ARV discount +14.8/15.0
• Cash flow +7.4/30.0
• Schools +4.8/10.0
• Livability +3.9/5.0
• Rent growth +3.3/5.0
• Condition / age +2.5/5.0
• DSCR +1.5/10.0
• 1% rule +1.2/10.0
• Appreciation +0.0/10.0

Key facts

• 7,117 sq ft lot
• 3 garage spots
• Built 2004

Property features AI

Finance

• Other: Directions available: South on Gilbert Rd, West on Elmwood Pl, North on Scott to home
• Financial info: Current financing: FHA
• HOA & community: Homeowners association with quarterly fee of $175; Association fee covers grounds maintenance; Community amenities include a playground and biking/walking path

Exterior

• Parking: 3 covered garage spaces; 3 open parking spaces; Garage door opener
• Security: No specific security features listed
• Utilities: City water; Public sewer
• Home design: Single-family residence; Fee simple ownership
• Construction: Stucco and painted wood frame construction; Tile roof
• Exterior features: Block fencing; Desert front landscaping; Gravel/stone front and back; Grass and irrigation in back; Irrigation in front

Interior

• Kitchen: Refrigerator; Dishwasher; Disposal; Built-in microwave; Kitchen island; Pantry / walk-in pantry
• Bedrooms: Up to 6 bedrooms (includes master bedroom)
• Flooring: Carpet; Tile
• Bathrooms: 3 full bathrooms; 1 half bathroom (4 total bathrooms)
• Heating & cooling: Natural gas heating; Central air conditioning; Ceiling fans
• Interior features: Granite counters; Double vanity; Master bedroom on main level; Upstairs living areas; Eat-in kitchen; Breakfast bar; Kitchen island; Pantry; Two master bathrooms; Full bath in master bedroom; Dual-pane windows
• Laundry & utility: Laundry/utility features not specified

What this means for you Summary

Snapshot

• This is a 5-bed/5.0-bath single-family listed at $665k.

Deal economics

• At list price, monthly cash flow is $-862 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $513k (22.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $411k (38.2% below list).
• Recommended offer: $411k (38.2% below list) — sets the bar for 1% rule.
• Cap rate 4.7% vs local median 3.3% in Chandler — 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 78/100 on livability (#9 in AZ, #2,508 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A-; Watch: health & safety D, cost of living D-.
• Chandler Unified District #80 (4242) (suburban): math 49% / reading 57% proficiency, ranked #31 of 249 in AZ (top 12%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Jane D. Hull Elementary (math 45% / reading 56%, grade D+, #261 of 1,109 statewide, top 24%, 529 students, 21% FRL); Chandler High School (math 25% / reading 32%, grade F, #133 of 381 statewide, top 35%, 3,597 students, 46% FRL).
• Zoned-school proficiency averages 40% at this address vs 53% district-wide (-14 pts) — the specific schools serving this property underperform the Chandler Unified District #80 (4242) average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.0%/yr); 299 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 36,011 units permitted in Maricopa County in 2024 (12,801 in 5+ unit buildings).
• This rent runs 32% of the median local income ($154k/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 $5k of loan paydown is wiped out by about $20k of value loss. Plan a longer hold.
• Maricopa County population projected at +38% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($645k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 21y 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.
• Current owner paid $249k; list at $665k implies a 167% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $411,035 (38.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 38% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-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?
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 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: 0.62% ✗
• Cap rate: 4.74%
• Cash-on-cash: -5.56%
• DSCR: 0.75
• GRM: 13.5

CMA / ARV

• ARV (median comp): $793,063
• List price: $665,000
• Delta: -16.15%
• 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
2818 E Teakwood Pl	0.16mi	5/3.0	4,060 (+1%)	3mo	$910,000	$224	80
2913 E Nolan Pl	0.26mi	5/3.5	4,301 (+7%)	1mo	$735,000	$171	69
3051 E Elmwood Pl	0.11mi	5/3.5	3,566 (-11%)	4mo	$1,050,000	$294	67
5460 S Scott Pl	0.10mi	5/3.5	3,517 (-12%)	3mo	$600,000	$171	66
3081 E Beechnut Pl	0.24mi	5/3.5	3,541 (-12%)	1mo	$860,000	$243	62
2798 E Teakwood Pl	0.17mi	4/3.0 (-1)	3,517 (-12%)	1mo	$824,100	$234	57
5342 S San Sebastian Pl	0.37mi	4/3.5 (-1)	4,383 (+9%)	2mo	$1,450,000	$331	55
2417 E Libra Pl	0.62mi	5/4.5	4,359 (+9%)	2mo	$1,500,000	$344	54
3330 E Cedar Dr	0.34mi	4/3.5 (-1)	3,543 (-12%)	2mo	$1,550,000	$437	51
5180 S Lafayette Dr	0.72mi	4/3.5 (-1)	4,002 (-0%)	4mo	$1,395,000	$349	51
2645 E Elmwood Pl	0.31mi	6/3.0 (+1)	3,517 (-12%)	1mo	$885,000	$252	51
3554 E Gemini Pl	0.73mi	4/3.5 (-1)	3,747 (-7%)	2mo	$1,075,000	$287	42

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 · 3.05% rent growth · sell at horizon

5-year hold

• IRR: -25.8%
• Equity multiple: 0.13×
• Total profit: $-162,718
• Equity at exit: $99,154

10-year hold

• IRR: -22.4%
• Equity multiple: -0.14×
• Total profit: $-212,534
• Equity at exit: $57,497

Cash invested: $186,200 (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.

Methodology + full state rankings →

ZIP-level market 85249

• Home prices YoY: -13.6%
• Rents YoY: 3.0%
• Active inventory: 299
• Price-to-rent: 13.5×

Monthly cashflow live

• Estimated rent: $4,110 high
• Mortgage (P&I): −$3,487
• Tax from tax record: −$287 /mo · $3,446/yr
• Insurance: −$277
• HOA: −$58
• Vacancy / Maint / Mgmt: −$863
• Net cashflow: $-862

Break-even live

Break-even rent $5,202

Max offer price $512,645

Occupancy floor —

Sensitivity live

Price	-10% $-486	-5% $-674	+0% $-862	+5% $-1,051	+10% $-1,239
Rent	-10% $-1,187	-5% $-1,025	+0% $-862	+5% $-700	+10% $-538
Rate	-1.0pp $-528	-0.5pp $-693	base $-862	+0.5pp $-1,035	+1.0pp $-1,210

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: $166,250
• Closing costs: $19,950
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5460 S Scott Pl Chandler, AZ	5.0	4.0	3517	$3,800	$1.08	44d	1	0.07mi
2378 E Virgo Pl Chandler, AZ	6.0	4.5	4490	$6,000	$1.34	18d	1	0.65mi
3767 E Scorpio Pl Chandler, AZ	6.0	3.5	4213	$3,600	$0.85	44d	1	0.90mi
3952 E Virgo Pl Chandler, AZ	4.0	3.0	3705	$2,995	$0.81	22d	1	0.99mi
6551 S Four Peaks Pl Chandler, AZ	4.0	2.5	3113	$3,600	$1.16	11d	1	1.12mi
4287 S Kimberlee Dr Chandler, AZ	4.0	3.0	4170	$4,745	$1.14	6d	1	1.14mi
4184 S Roger Way Chandler, AZ	4.0	3.0	3714	$3,695	$0.99	25d	1	1.25mi
6664 S Wilson Dr Chandler, AZ	6.0	3.0	3610	$3,665	$1.02	44d	1	1.29mi
2703 E Zion Way Chandler, AZ	4.0	2.0	3011	$2,850	$0.95	13d	1	1.30mi
4250 S Lafayette Dr Chandler, AZ	5.0	3.0	3290	$4,050	$1.23	2d	1	1.32mi
2061 E Prescott Pl Chandler, AZ	4.0	3.5	3930	$6,300	$1.60	44d	1	1.33mi

HOA detail

• Monthly dues: $58 · $696/yr

Listing history 48 events

1. 2026-06-21
   days on market $665,000 Active 55 DOM
2. 2026-06-18
   days on market $665,000 Active 52 DOM
3. 2026-06-17
   days on market $665,000 Active 51 DOM
4. 2026-06-16
   days on market $665,000 Active 50 DOM
5. 2026-06-15
   days on market $665,000 Active 49 DOM
6. 2026-06-13
   days on market $665,000 Active 47 DOM
7. 2026-06-13
   days on market $665,000 Active 46 DOM
8. 2026-06-09
   days on market $665,000 Active 43 DOM
9. 2026-06-08
   days on market $665,000 Active 42 DOM
10. 2026-06-07
    days on market $665,000 Active 41 DOM
11. 2026-06-04
    days on market $665,000 Active 38 DOM
12. 2026-06-03
    days on market $665,000 Active 37 DOM
13. 2026-06-02
    days on market $665,000 Active 36 DOM
14. 2026-06-01
    days on market $665,000 Active 35 DOM
15. 2026-05-31
    days on market $665,000 Active 34 DOM
16. 2026-04-27
    listed $665,000 Active 782-char remark
17. 2025-09-01
    historical
18. 2025-05-02
    price $679,000
19. 2025-05-01
    status Active
20. 2025-05-01
    historical
21. 2025-04-26
    status Active
22. 2025-04-22
    historical Under Contract Accepting Backups
23. 2025-03-27
    price $699,000
24. 2025-02-19
    price $735,000
25. 2024-12-02
    price $745,000
26. 2024-10-09
    listed $750,000 Active
27. 2022-02-16
    historical
28. 2022-01-13
    listed $650,000 Active
29. 2011-11-03
    historical
30. 2011-07-07
    listed $260,000 Active
31. 2010-12-07
    historical
32. 2010-11-09
    price $266,000
33. 2010-09-22
    price $270,000
34. 2010-09-02
    price $275,000
35. 2010-08-23
    listed $285,000 Active
36. 2009-10-27
    soldstatus $249,000
37. 2009-10-26
    soldstatus $249,000
38. 2009-08-17
    historical
39. 2009-07-20
    listed $249,000
40. 2007-12-21
    soldstatus $379,900
41. 2007-11-30
    historical
42. 2007-10-01
    listed $379,900
43. 2007-09-27
    historical
44. 2007-06-27
    listed $424,900
45. 2005-12-27
    soldstatus $525,000
46. 2005-12-02
    soldstatus $525,000
47. 2005-11-29
    historical
48. 2005-09-02
    listed $525,000

ⓘ 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: $3,446 · $287/mo
• Projected year-2 tax: $4,389 · $366/mo
• Expected delta: +$942/yr (+$79/mo · 27.3%)

ⓘ 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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥112°F today · 17 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

Taxation est. · year 1

• Rental income: $49,324
• − Mortgage interest: −$37,250
• − Property taxes: −$3,446
• − Insurance: −$3,325
• − Repairs & maintenance: −$3,946
• − Management: −$3,946
• − HOA: −$696
• − Depreciation: −$19,345
• Taxable loss: −$22,631
• Est. tax savings @ 24.0%: +$5,431
• After-tax cash flow: $-4,918/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: Chandler Unified District #80 (4242)
• NCES district ID: 0401870
• Math proficiency: 49% ▼ -8.00%
• Reading proficiency: 57% ▼ -2.00%
• Median HH income: $74,048
• Composite: 47.54/100
• National rank: #2268
• State rank: #31 of 249 in AZ

Livability — Chandler

• Score: 78/100
• State rank: #9
• US rank: #2508

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chandler, AZ
• County: Maricopa County · 4,537,380 people
• City population: 299,016
• Metro: Phoenix-Mesa-Chandler, AZ
• Population (ZIP): 48,746
• Household income: $153,633
• Rent vs Own: 11.5% rent · 88.5% own
• Severe rent burden: 304.0

Population outlook (Maricopa County) Hauer SSP2

• Today (2025): 4,979,203 people
• By 2030: 5,378,229 · +8.0%
• By 2040: 6,156,598 · +23.6%
• By 2050: 6,872,376 · +38.0%
• By 2075: 8,401,270 · +68.7%
• By 2100: 9,247,439 · +85.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (66%)
• Race & ethnicity: White 66% Hispanic / Latino 12% Asian 12% Two or more races 11% Black 3% Native American 1%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Romanian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 13% · China, Canada, Vietnam
• Languages at home: 84% English-only · Spanish 4% Chinese 3% Other Indo-European 3%

Political lean MEDSL · Maricopa

• 2024 margin: Toss-up / Even · D 47.7% · R 51.2% · Other 1.1%
• 2008→2024 swing: +7.1pp toward D · 2008: -10.6pp · 2024: -3.5pp
• All cycles: 2024: R+3.5 2020: D+2.2 2016: R+3.5 2012: R+12.0 2008: R+10.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -47.22%
• Current HPI: 299.4196
• Rent YoY: ▲ 3.05%
• Metro: Phoenix-Mesa-Chandler, AZ
• State GDP YoY: ▲ 4.54%
• F500 in state: 20

Industry mix (Fortune 500 HQ in AZ)

Industry	F500 HQs	Revenue
▸Technology	2	$13B
▸Mining / Metals	1	$23B
▸Environmental Services	1	$16B
▸Metals / Steel	1	$14B
▸Technology Distribution	1	$9B
▸Homebuilding	1	$8B

Price history

+26.7% since first listed

33 events — show timeline

• 2026-04-27 Listed $665,000 ARMLS
• 2025-09-01 Listing Removed — ARMLS
• 2025-05-02 Price Changed $679,000 ARMLS
• 2025-05-01 Relisted — ARMLS
• 2025-05-01 Listing Removed — ARMLS
• 2025-04-26 Relisted — ARMLS
• 2025-04-22 Contingent — ARMLS
• 2025-03-27 Price Changed $699,000 ARMLS
• 2025-02-19 Price Changed $735,000 ARMLS
• 2024-12-02 Price Changed $745,000 ARMLS
• 2024-10-09 Listed $750,000 ARMLS
• 2022-02-16 Listing Removed — ARMLS
• 2022-01-13 Listed $650,000 ARMLS
• 2011-11-03 Listing Removed — ARMLS
• 2011-07-07 Listed $260,000 ARMLS
• 2010-12-07 Listing Removed — ARMLS
• 2010-11-09 Price Changed $266,000 ARMLS
• 2010-09-22 Price Changed $270,000 ARMLS
• 2010-09-02 Price Changed $275,000 ARMLS
• 2010-08-23 Listed $285,000 ARMLS
• 2009-10-27 Sold (Public Records) $249,000 Public Records
• 2009-10-26 Sold (MLS) $249,000 ARMLS
• 2009-08-17 Listing Removed — ARMLS
• 2009-07-20 Listed $249,000 ARMLS
• 2007-12-21 Sold (MLS) $379,900 ARMLS
• 2007-11-30 Listing Removed — ARMLS
• 2007-10-01 Listed $379,900 ARMLS
• 2007-09-27 Listing Removed — ARMLS
• 2007-06-27 Listed $424,900 ARMLS
• 2005-12-27 Sold (Public Records) $525,000 Public Records
• 2005-12-02 Sold (Public Records) $525,000 Public Records
• 2005-11-29 Listing Removed — ARMLS
• 2005-09-02 Listed $525,000 ARMLS

Property tax history

+2.2%/yr

Latest (2025): $3,446 · +1.6% YoY. Source: county tax records.