3021 Cambridge Ct · Lewisburg, TN 37091

$435,000

4 bd · 5.0 ba · 2,520 sqft · SingleFamily public records · 208 Days on market

Built 2022 Good condition 0.27 ac lot $173/sqft · 14% above area Est $380k · 14% over $10/mo HOA

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Why this score? — see what drove the C 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 +26.7/30.0
• DSCR +9.1/10.0
• 1% rule +6.5/10.0
• Condition / age +4.0/5.0
• Livability +3.0/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• ARV discount +1.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

This thoughtfully designed 4 bedroom, 3.5 bathroom home offers 2520 sqft of comfortable living space! Step through the covered front porch into a home where luxury vinyl plank flooring flows seamlessly throughout, creating a cohesive and elegant atmosphere. The heart of the home features granite countertops that practically beg for your morning coffee routing, while a cozy gas fireplace promises to be your new favorite spot during cooler evenings. This home offers not one, but two primary bedroom. Whether you prefer the convenience of main-floor living or the privacy of an upstairs retreat, you've got options. Bathrooms are appointed with quality tile work, and the primary suite includes both a relaxing garden tub for unwinding and a separate tiled shower for busy mornings. Storage space throughout the home ensures everything has its place. The two-car attached garage and concrete driveway provide practical convenience, while the neighborhood setting offers the perfect balance of tranquility and accessibility. Lewisburg's friendly community atmosphere, combined with its proximity to larger cities, creates an ideal environment for both relaxation and adventure. If you want to see this beautiful dream home, call and schedule your showing today!

Key facts

• Covered front porch
• Cozy gas fireplace
• Two primary bedroom

Tags

• COVERED FRONT PORCH
• LUXURY VINYL PLANK FLOORING
• GRANITE COUNTERTOPS
• COZY GAS FIREPLACE
• TWO PRIMARY BEDROOM
• QUALITY TILE WORK

What this means for you Summary

Snapshot

• This is a 4-bed/5.0-bath single-family listed at $435k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $1k ($14k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $435k).
• Recommended offer: $383k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.5% vs local median 3.8% in Lewisburg — 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 59/100 on livability (#284 in TN) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Marshall County (rural): math 31% / reading 29% proficiency, ranked #58 of 139 in TN (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Oak Grove Elementary (471 students, 0% FRL); Westhills Elementary (math 29% / reading 23%, grade F, #144 of 333 statewide, top 44%, 603 students, 0% FRL); Marshall Co High School (math 17% / reading 35%, grade F, #117 of 332 statewide, top 37%, 815 students, 0% FRL) — zoned schools average 0% FRL vs 48% district-wide (48 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 269 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 400 units permitted in Marshall County in 2024 (75 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.
• Marshall County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $122k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 208 days — a 12% lower offer ($383k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 4y 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.

Recommended offer $382,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 208 days. Have you received any prior offers? Is the seller open to a 12% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
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: 1.15% ✓
• Cap rate: 9.53%
• Cash-on-cash: 11.55%
• DSCR: 1.51
• GRM: 7.2

CMA / ARV

• ARV (median comp): $380,000
• List price: $435,000
• Delta: 14.47%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1014 Curtis Springs Ln	0.39mi	4/2.5	2,589 (+3%)	2mo	$380,000	$147	66
1016 Curtis Springs Ln	0.39mi	4/2.5	2,589 (+3%)	3mo	$380,000	$147	65
1011 Curtis Springs Ln	0.42mi	4/2.5	2,589 (+3%)	4mo	$372,140	$144	62
1019 Curtis Spring Ln	0.43mi	4/2.5	2,589 (+3%)	4mo	$379,740	$147	62
1018 Curtis Springs Ln	0.39mi	4/2.5	2,155 (-14%)	2mo	$347,000	$161	46
1010 Curtis Springs Ln	0.39mi	4/2.5	2,155 (-14%)	2mo	$355,000	$165	46
1017 Curtis Springs Ln	0.43mi	4/2.5	2,155 (-14%)	1mo	$345,000	$160	45
1015 Curtis Springs Ln	0.42mi	4/2.5	2,155 (-14%)	4mo	$352,890	$164	43
1013 Curtis Springs Ln	0.42mi	4/2.5	2,155 (-14%)	4mo	$339,990	$158	43
125 Armory Dr	0.56mi	3/1.0 (-1)	2,348 (-7%)	4mo	$260,000	$111	40

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 0.9%
• Equity multiple: 1.03×
• Total profit: $4,133
• Equity at exit: $64,860

10-year hold

• IRR: 10.5%
• Equity multiple: 1.82×
• Total profit: $99,505
• Equity at exit: $37,611

Cash invested: $121,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Tennessee: 87 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

Methodology + full state rankings →

ZIP-level market 37091

• Home prices YoY: -14.6%
• Active inventory: 269
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $5,000 medium
• Mortgage (P&I): −$2,281
• Tax from tax record: −$305 /mo · $3,659/yr
• Insurance: −$181
• HOA: −$10
• Vacancy / Maint / Mgmt: −$1,050
• Net cashflow: $1,173

Break-even live

Break-even rent $3,516

Max offer price $435,000

Occupancy floor 72%

Sensitivity live

Price	-10% $1,419	-5% $1,296	+0% $1,173	+5% $1,050	+10% $926
Rent	-10% $778	-5% $975	+0% $1,173	+5% $1,370	+10% $1,568
Rate	-1.0pp $1,392	-0.5pp $1,283	base $1,173	+0.5pp $1,060	+1.0pp $945

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: $108,750
• Closing costs: $13,050
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
335 E Hill Ave Lewisburg, TN	3.0	2.0	1800	$5,000	$2.78	45d	1	1.22mi

HOA detail

• Monthly dues: $10 · $120/yr
• Likely covers: gas

Listing history 33 events

1. 2026-06-21
   days on market $435,000 Active 208 DOM
2. 2026-06-18
   days on market $435,000 Active 205 DOM
3. 2026-06-17
   days on market $435,000 Active 204 DOM
4. 2026-06-16
   days on market $435,000 Active 203 DOM
5. 2026-06-15
   days on market $435,000 Active 202 DOM
6. 2026-06-13
   days on market $435,000 Active 200 DOM
7. 2026-06-09
   days on market $435,000 Active 196 DOM
8. 2026-06-08
   days on market $435,000 Active 195 DOM
9. 2026-06-07
   days on market $435,000 Active 194 DOM
10. 2026-06-03
    days on market $435,000 Active 190 DOM
11. 2026-06-02
    days on market $435,000 Active 189 DOM
12. 2026-06-01
    days on market $435,000 Active 188 DOM
13. 2026-05-31
    days on market $435,000 Active 187 DOM
14. 2026-02-19
    price $435,000 1262-char remark

    Show marketing remark (1262 chars)

    This thoughtfully designed 4 bedroom, 3.5 bathroom home offers 2520 sqft of comfortable living space! Step through the covered front porch into a home where luxury vinyl plank flooring flows seamlessly throughout, creating a cohesive and elegant atmosphere. The heart of the home features granite countertops that practically beg for your morning coffee routing, while a cozy gas fireplace promises to be your new favorite spot during cooler evenings. This home offers not one, but two primary bedroom. Whether you prefer the convenience of main-floor living or the privacy of an upstairs retreat, you've got options. Bathrooms are appointed with quality tile work, and the primary suite includes both a relaxing garden tub for unwinding and a separate tiled shower for busy mornings. Storage space throughout the home ensures everything has its place. The two-car attached garage and concrete driveway provide practical convenience, while the neighborhood setting offers the perfect balance of tranquility and accessibility. Lewisburg's friendly community atmosphere, combined with its proximity to larger cities, creates an ideal environment for both relaxation and adventure. If you want to see this beautiful dream home, call and schedule your showing today!

15. 2025-11-25
    listed $445,000 Active 1262-char remark

    Show marketing remark (1262 chars)

    This thoughtfully designed 4 bedroom, 3.5 bathroom home offers 2520 sqft of comfortable living space! Step through the covered front porch into a home where luxury vinyl plank flooring flows seamlessly throughout, creating a cohesive and elegant atmosphere. The heart of the home features granite countertops that practically beg for your morning coffee routing, while a cozy gas fireplace promises to be your new favorite spot during cooler evenings. This home offers not one, but two primary bedroom. Whether you prefer the convenience of main-floor living or the privacy of an upstairs retreat, you've got options. Bathrooms are appointed with quality tile work, and the primary suite includes both a relaxing garden tub for unwinding and a separate tiled shower for busy mornings. Storage space throughout the home ensures everything has its place. The two-car attached garage and concrete driveway provide practical convenience, while the neighborhood setting offers the perfect balance of tranquility and accessibility. Lewisburg's friendly community atmosphere, combined with its proximity to larger cities, creates an ideal environment for both relaxation and adventure. If you want to see this beautiful dream home, call and schedule your showing today!

16. 2025-11-19
    historical
17. 2025-10-23
    price $445,000
18. 2025-09-02
    listed $449,900 Active
19. 2025-08-29
    historical
20. 2025-08-25
    price $469,900
21. 2025-08-21
    price $475,900
22. 2025-08-02
    price $489,900
23. 2025-07-22
    listed $495,000 Active
24. 2023-03-08
    soldstatus $430,000
25. 2023-03-06
    soldstatus $430,000 Closed
26. 2023-02-21
    historical Active Under Contract
27. 2023-02-17
    price $430,000
28. 2023-01-03
    listed $449,000 Active
29. 2023-01-01
    historical
30. 2022-11-08
    price $459,900
31. 2022-10-03
    price $479,900
32. 2022-06-28
    listed $499,000 Active
33. 2022-02-15
    soldstatus $45,000

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

Tax reassessment forecast TN · Resets to sale price

• Current annual tax: $3,659 · $305/mo
• Projected year-2 tax: $3,659 · $305/mo
• Expected delta: $0/yr ($0/mo · -0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $60,000
• − Mortgage interest: −$24,367
• − Property taxes: −$3,659
• − Insurance: −$2,175
• − Repairs & maintenance: −$4,800
• − Management: −$4,800
• − HOA: −$120
• − Depreciation: −$12,655
• Taxable income: $7,425
• Est. tax owed @ 24.0%: −$1,782
• After-tax cash flow: $12,290/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.

Condition & rehab AI · 6 photos

Good 80/100 Cosmetic rehab

This well-maintained, thoughtfully designed home offers 2520 sqft of comfortable living space with modern finishes and a clean, inviting exterior. Minor touch-ups and maintenance can further enhance its appeal and value.

Value-add opportunities

• Resale Paint exterior trim — Fresh paint can enhance curb appeal and home value.
• Rental Inspect and clean gutters — Clean gutters improve drainage and reduce maintenance costs for tenants.

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint exterior trim — Fresh paint can enhance curb appeal and home value. ↑
• Rental Inspect and clean gutters — Clean gutters improve drainage and reduce maintenance costs for tenants. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Marshall County
• NCES district ID: 4702670
• Math proficiency: 31% ▼ -9.00%
• Reading proficiency: 29% ▼ -5.00%
• Median HH income: $43,058
• Composite: 25.56/100
• National rank: #7426
• State rank: #58 of 139 in TN

Livability — Lewisburg

• Score: 59/100
• State rank: #284
• US rank: #20031

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lewisburg, TN
• Population (ZIP): 23,991

Population outlook (Marshall County) Hauer SSP2

• Today (2025): 33,222 people
• By 2030: 33,867 · +1.9%
• By 2040: 34,743 · +4.6%
• By 2050: 34,954 · +5.2%
• By 2075: 34,652 · +4.3%
• By 2100: 31,862 · -4.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 8% Black 5% Two or more races 4%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Serbian 4% Slovak 2% Romanian 1%
• Foreign-born: 3% · Canada, Jamaica, Vietnam
• Languages at home: 92% English-only · Spanish 7%

Political lean MEDSL · Marshall

• 2024 margin: Solid R (+56.6) · D 21.2% · R 77.8%
• 2008→2024 swing: -17.0pp toward R · 2008: -39.6pp · 2024: -56.6pp
• All cycles: 2024: R+56.6 2020: R+50.0 2016: R+46.6 2012: R+28.9 2008: R+39.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -59.86%
• Current HPI: 350.5306
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

Industry mix (Fortune 500 HQ in TN)

Industry	F500 HQs	Revenue
▸Healthcare	3	$91B
▸Retail	3	$72B
▸Transportation / Logistics	1	$88B
▸Paper / Packaging	1	$19B
▸Insurance	1	$13B
▸Energy	1	$12B

Price history

+866.7% since first listed

20 events — show timeline

• 2026-02-19 Price Changed $435,000 REALTRACS as Distributed by MLS Grid
• 2025-11-25 Listed $445,000 REALTRACS as Distributed by MLS Grid
• 2025-11-19 Listing Removed — REALTRACS as Distributed by MLS Grid
• 2025-10-23 Price Changed $445,000 REALTRACS as Distributed by MLS Grid
• 2025-09-02 Listed $449,900 REALTRACS as Distributed by MLS Grid
• 2025-08-29 Listing Removed — REALTRACS as Distributed by MLS Grid
• 2025-08-25 Price Changed $469,900 REALTRACS as Distributed by MLS Grid
• 2025-08-21 Price Changed $475,900 REALTRACS as Distributed by MLS Grid
• 2025-08-02 Price Changed $489,900 REALTRACS as Distributed by MLS Grid
• 2025-07-22 Listed $495,000 REALTRACS as Distributed by MLS Grid
• 2023-03-08 Sold (Public Records) $430,000 Public Records
• 2023-03-06 Sold (MLS) $430,000 REALTRACS as Distributed by MLS Grid
• 2023-02-21 Contingent — REALTRACS as Distributed by MLS Grid
• 2023-02-17 Price Changed $430,000 REALTRACS as Distributed by MLS Grid
• 2023-01-03 Listed $449,000 REALTRACS as Distributed by MLS Grid
• 2023-01-01 Listing Removed — REALTRACS as Distributed by MLS Grid
• 2022-11-08 Price Changed $459,900 REALTRACS as Distributed by MLS Grid
• 2022-10-03 Price Changed $479,900 REALTRACS as Distributed by MLS Grid
• 2022-06-28 Listed $499,000 REALTRACS as Distributed by MLS Grid
• 2022-02-15 Sold (Public Records) $45,000 Public Records

Property tax history

+3.9%/yr

Latest (2025): $3,659 · +7.9% YoY. Source: county tax records.