890 S Cellini Pl · Pueblo West, CO 81007

$169,000

2 bd · 1.0 ba · 728 sqft · Manufactured public records · 124 Days on market

Built 1985 10,019 sqft lot Est $149k · 14% over

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Why this score? — see what drove the F 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 +14.8/30.0
• DSCR +4.5/10.0
• 1% rule +3.2/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +1.3/15.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this stunning newly remodeled 2-bedroom, 1-bath mobile home in the desirable Pueblo West community! Thoughtfully updated, this move-in-ready home offers modern finishes, fresh paint, and stylish upgrades throughout. Step inside to an open and inviting living space filled with natural light. The updated kitchen features newly painted cabinetry, laminate countertops, and modern fixtures—perfect for everyday living and entertaining. Both bedrooms are spacious and comfortable, with ample closet space and updated flooring. One of the standout features of this property is the detached garage, providing secure parking, extra storage, or even space for a workshop. The lot offers ro

Key facts

• Updated kitchen
• Outdoor space
• Detached garage

Tags

• REMODELED MOBILE HOME
• UPDATED KITCHEN
• DETACHED GARAGE
• OUTDOOR SPACE
• PUEBLO WEST COMMUNITY

Property features AI

Finance

• Other: Zoning: R-8
• HOA & community: No association amenities

Exterior

• Parking: Detached 2-car garage
• Security: Smoke detectors
• Utilities: Public water
• Home design: Manufactured home; Residential property; Single-story (entry level main)
• Construction: Frame construction; Composition roof
• Exterior features: Porch; Irregular lot

Interior

• Kitchen: Range; Oven; Dishwasher; Refrigerator
• Bedrooms: 2 bedrooms on the main level
• Flooring: Tile; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Central air conditioning; Evaporative cooling
• Interior features: Master bedroom on the main floor; No fireplace
• Laundry & utility: Laundry on the main level

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $169k.

Deal economics

• At list price, monthly cash flow is $47 ($561/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 $138k (18.2% below list).
• Recommended offer: $138k (18.2% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.5% in Pueblo West — 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 63/100 on livability (#189 in CO) — a middle-class / working-renter tenant base. Strengths: housing A+, employment B+; Watch: health & safety C-, schools D+, crime F.
• Pueblo County School District 70 (suburban): math 24% / reading 43% proficiency, ranked #40 of 86 in CO (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.1%/yr); 648 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 269 units permitted in Pueblo County in 2024 (0 in 5+ unit buildings).
• This rent is only 17% of the median local income ($97k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Pueblo County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 124 days — a 12% lower offer ($149k) is reasonable based on typical stale-listing flexibility.
• 30 sale attempts since 2y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $85k; list at $169k implies a 99% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $138,223 (18.2% below list)

Questions for the listing agent

1. It's been on market 124 days. Have you received any prior offers? Is the seller open to a 18% 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F 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?
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: 0.82% ✗
• Cap rate: 6.63%
• Cash-on-cash: 1.19%
• DSCR: 1.05
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $148,512
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
281 E Stewart Dr	0.28mi	2/1.0	742 (+2%)	9mo	$59,000	$80	76
241 E Don Dr	0.40mi	2/1.0	784 (+8%)	3mo	$160,000	$204	66
256 E Byrd Dr	0.17mi	2/2.0	798 (+10%)	8mo	$185,000	$232	65
41 E Rolling Hills Dr	0.52mi	2/1.0	728 (0%)	13mo	$100,000	$137	65

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -17.5%
• Equity multiple: 0.40×
• Total profit: $-28,511
• Equity at exit: $25,198

10-year hold

• IRR: -15.8%
• Equity multiple: 0.22×
• Total profit: $-36,868
• Equity at exit: $14,612

Cash invested: $47,320 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 38 Tenant-Leaning
• State Colorado: 38 Tenant-Leaning · D+4
• County: — inherits STATE
• City: — inherits STATE

2023 reforms: 10-day cure, mandated notice, source-of-income protected. Courts backlogged in Denver.

Methodology + full state rankings →

ZIP-level market 81007

• Home prices YoY: -22.9%
• Rents YoY: -0.1%
• Active inventory: 648
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,382 medium
• Mortgage (P&I): −$886
• Tax from tax record: −$89 /mo · $1,062/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $47

Break-even live

Break-even rent $1,323

Max offer price $169,000

Occupancy floor 92%

Sensitivity live

Price	-10% $142	-5% $95	+0% $47	+5% $-1	+10% $-49
Rent	-10% $-62	-5% $-8	+0% $47	+5% $101	+10% $156
Rate	-1.0pp $132	-0.5pp $90	base $47	+0.5pp $3	+1.0pp $-42

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: $42,250
• Closing costs: $5,070
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
512 S Aguilar Dr Pueblo West, CO	1.0–2.0	1.5	825	$1,185	$1.44	14d	2	1.07mi

Listing history 50 events

1. 2026-06-21
   days on market $169,000 Active 124 DOM
2. 2026-06-19
   days on market $169,000 Active 122 DOM
3. 2026-06-18
   days on market $169,000 Active 121 DOM
4. 2026-06-17
   days on market $169,000 Active 120 DOM
5. 2026-06-16
   days on market $169,000 Active 119 DOM
6. 2026-06-15
   days on market $169,000 Active 118 DOM
7. 2026-06-14
   days on market $169,000 Active 116 DOM
8. 2026-06-13
   days on market $169,000 Active 115 DOM
9. 2026-06-10
   days on market $169,000 Active 113 DOM
10. 2026-06-09
    days on market $169,000 Active 112 DOM
11. 2026-06-08
    days on market $169,000 Active 111 DOM
12. 2026-06-07
    days on market $169,000 Active 110 DOM
13. 2026-06-05
    days on market $169,000 Active 107 DOM
14. 2026-06-03
    days on market $169,000 Active 106 DOM
15. 2026-06-02
    days on market $169,000 Active 105 DOM
16. 2026-06-01
    days on market $169,000 Active 104 DOM
17. 2026-05-31
    days on market $169,000 Active 103 DOM
18. 2026-05-30
    days on market $169,000 Active 102 DOM
19. 2026-04-21
    price $169,000
20. 2026-02-17
    listed $179,000 Active
21. 2026-02-17
    historical
22. 2025-11-03
    status Active
23. 2025-11-03
    status Active
24. 2025-10-21
    listed $169,000 Active
25. 2025-10-17
    status Active
26. 2025-07-15
    status Pending
27. 2025-07-15
    status Pending
28. 2025-07-15
    status Pending
29. 2025-07-15
    historical
30. 2025-07-10
    price $169,000
31. 2025-07-10
    listed $169,000 Active
32. 2025-07-10
    price $169,000
33. 2025-07-10
    price $169,000
34. 2025-06-03
    status Active
35. 2025-06-03
    status Active
36. 2025-06-03
    status Active
37. 2025-05-13
    status Pending
38. 2025-05-13
    status Pending
39. 2025-05-13
    status Pending
40. 2025-05-08
    price $174,900
41. 2025-05-08
    price $174,900
42. 2025-05-08
    listed $174,900 Active
43. 2025-05-08
    price $174,900
44. 2025-04-30
    status Active
45. 2025-04-30
    status Active
46. 2025-04-30
    status Active
47. 2025-01-28
    status Pending
48. 2025-01-28
    historical Active Under Contract
49. 2025-01-28
    status Pending
50. 2025-01-07
    price $179,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CO · Resets to sale price

• Current annual tax: $1,062 · $89/mo
• Projected year-2 tax: $1,062 · $89/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 5/10 Major
• 🌡 Heat 4/10 Moderate 6 d/yr ≥96°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,587
• − Mortgage interest: −$9,467
• − Property taxes: −$1,062
• − Insurance: −$845
• − Repairs & maintenance: −$1,327
• − Management: −$1,327
• − Depreciation: −$4,916
• Taxable loss: −$2,357
• Est. tax savings @ 24.0%: +$566
• After-tax cash flow: $1,127/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: Pueblo County School District 70
• NCES district ID: 0806150
• Math proficiency: 24% ▼ -4.00%
• Reading proficiency: 43% ▼ -2.00%
• Median HH income: $59,438
• Composite: 29.93/100
• National rank: #6381
• State rank: #40 of 86 in CO

Livability — Pueblo West

• Score: 63/100
• State rank: #189
• US rank: #15760

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pueblo West, CO
• County: Pueblo County · 151,887 people
• Metro: Pueblo, CO
• Population (ZIP): 35,690
• Household income: $96,713
• Rent vs Own: 12.7% rent · 87.3% own
• Severe rent burden: 353.0

Population outlook (Pueblo County) Hauer SSP2

• Today (2025): 173,240 people
• By 2030: 177,716 · +2.6%
• By 2040: 185,125 · +6.9%
• By 2050: 190,642 · +10.0%
• By 2075: 201,611 · +16.4%
• By 2100: 196,443 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (65%)
• Race & ethnicity: White 65% Hispanic / Latino 29% Two or more races 11% Asian 1% Black 1%
• Hispanic origin (detail): Mexican 19%
• Common ancestry: Romanian 2% Lithuanian 2% Italian 2%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 7%

Political lean MEDSL · Pueblo

• 2024 margin: Lean R (+5.1) · D 46.2% · R 51.3% · Other 2.5%
• 2008→2024 swing: -20.1pp toward R · 2008: 15.0pp · 2024: -5.1pp
• All cycles: 2024: R+5.1 2020: D+1.7 2016: D+0.3 2012: D+13.1 2008: D+15.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -82.80%
• Current HPI: 279.191
• Rent YoY: ▼ -0.10%
• Metro: Pueblo, CO
• State GDP YoY: ▲ 1.95%
• F500 in state: 14

Industry mix (Fortune 500 HQ in CO)

Industry	F500 HQs	Revenue
▸Technology Distribution	1	$31B
▸Food / Agriculture	1	$18B
▸Packaging	1	$14B
▸Healthcare	1	$13B
▸Energy	1	$10B
▸Technology	1	$4B

Price history

+1590.0% since first listed

77 events — show timeline

• 2026-04-21 Price Changed $169,000 PARMLS
• 2026-02-17 Listed $179,000 PARMLS
• 2026-02-17 Listing Removed — REColorado as Distributed by MLS Grid
• 2025-11-03 Relisted — IRES
• 2025-11-03 Relisted — REColorado as Distributed by MLS Grid
• 2025-10-21 Listed $169,000 PARMLS
• 2025-10-17 Relisted — PARMLS
• 2025-07-15 Pending — IRES
• 2025-07-15 Pending — PARMLS
• 2025-07-15 Pending — REColorado as Distributed by MLS Grid
• 2025-07-15 Listing Removed — IRES
• 2025-07-10 Price Changed $169,000 elevateMLS
• 2025-07-10 Listed $169,000 PARMLS
• 2025-07-10 Price Changed $169,000 IRES
• 2025-07-10 Price Changed $169,000 REColorado as Distributed by MLS Grid
• 2025-06-03 Relisted — IRES
• 2025-06-03 Relisted — REColorado as Distributed by MLS Grid
• 2025-06-03 Relisted — PARMLS
• 2025-05-13 Pending — IRES
• 2025-05-13 Pending — PARMLS
• 2025-05-13 Pending — REColorado as Distributed by MLS Grid
• 2025-05-08 Price Changed $174,900 elevateMLS
• 2025-05-08 Price Changed $174,900 IRES
• 2025-05-08 Listed $174,900 PARMLS
• 2025-05-08 Price Changed $174,900 REColorado as Distributed by MLS Grid
• 2025-04-30 Relisted — PARMLS
• 2025-04-30 Relisted — IRES
• 2025-04-30 Relisted — REColorado as Distributed by MLS Grid
• 2025-01-28 Pending — IRES
• 2025-01-28 Contingent — PARMLS
• 2025-01-28 Pending — REColorado as Distributed by MLS Grid
• 2025-01-07 Price Changed $179,900 elevateMLS
• 2025-01-07 Price Changed $179,900 IRES
• 2025-01-07 Price Changed $179,900 REColorado as Distributed by MLS Grid
• 2025-01-07 Price Changed $179,900 PARMLS
• 2024-12-17 Listed $184,900 PARMLS
• 2024-12-17 Relisted — IRES
• 2024-12-17 Relisted — REColorado as Distributed by MLS Grid
• 2024-11-14 Pending — IRES
• 2024-11-14 Pending — REColorado as Distributed by MLS Grid
• 2024-11-14 Pending — PARMLS
• 2024-11-01 Price Changed $184,900 elevateMLS
• 2024-11-01 Relisted — IRES
• 2024-11-01 Price Changed $184,900 IRES
• 2024-11-01 Relisted — REColorado as Distributed by MLS Grid
• 2024-11-01 Price Changed $184,900 REColorado as Distributed by MLS Grid
• 2024-11-01 Listed $184,900 PARMLS
• 2024-08-23 Pending — IRES
• 2024-08-23 Pending — PARMLS
• 2024-08-23 Pending — REColorado as Distributed by MLS Grid
• 2024-08-16 Listed $189,900 PARMLS
• 2024-08-15 Relisted — IRES
• 2024-08-15 Relisted — REColorado as Distributed by MLS Grid
• 2024-08-15 Relisted — PARMLS
• 2024-07-19 Pending — PARMLS
• 2024-07-19 Pending — IRES
• 2024-07-19 Pending — REColorado as Distributed by MLS Grid
• 2024-06-18 Relisted — IRES
• 2024-06-18 Relisted — REColorado as Distributed by MLS Grid
• 2024-06-18 Listed $189,900 PARMLS
• 2024-05-29 Pending — IRES
• 2024-05-29 Pending — PARMLS
• 2024-05-29 Pending — REColorado as Distributed by MLS Grid
• 2024-04-27 Price Changed $189,900 elevateMLS
• 2024-04-27 Listed $189,900 PARMLS
• 2024-04-27 Price Changed $189,900 IRES
• 2024-04-27 Price Changed $189,900 REColorado as Distributed by MLS Grid
• 2024-04-09 Relisted — IRES
• 2024-04-09 Relisted — PARMLS
• 2024-04-09 Relisted — REColorado as Distributed by MLS Grid
• 2024-04-05 Pending — IRES
• 2024-04-05 Pending — REColorado as Distributed by MLS Grid
• 2024-04-05 Pending — PARMLS
• 2023-04-28 Sold (Public Records) $85,000 Public Records
• 2015-12-10 Sold (Public Records) $40,000 Public Records
• 2000-02-01 Sold (Public Records) $40,000 Public Records
• 1997-01-07 Sold (Public Records) $10,000 Public Records

Property tax history

+12.0%/yr

Latest (2025): $1,062 · +77.4% YoY. Source: county tax records.