9680 Ridgewood Dr · Baton Rouge, LA 70814

$124,900

4 bd · 3.0 ba · 2,582 sqft · SingleFamily public records · 306 Days on market

Built 1975 1.07 ac lot $48/sqft · 44% below area Est $225k · 44% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.4/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

Key facts

• Master suite
• No carpet
• Huge den

Tags

• BRICK HOME
• OVER ONE ACRE LOT
• HUGE DEN
• FIREPLACE
• NO CARPET
• MASTER SUITE

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $81 ($975/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.2% vs local median 4.3% in Baton Rouge — 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 74/100 on livability (#24 in LA, #4,535 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, health & safety A+; Watch: amenities D, crime F, employment D-.
• East Baton Rouge Parish (urban): math 22% / reading 34% proficiency, ranked #47 of 98 in LA (top 48%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 77% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 69 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 2,252 units permitted in East Baton Rouge Parish in 2024 (440 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• East Baton Rouge County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 306 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 15 sale attempts since 29y ago; this cycle's ask has dropped $55k (31%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 306 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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: 1.44% ✓
• Cap rate: 11.17%
• Cash-on-cash: 17.42%
• DSCR: 1.78
• GRM: 5.8

CMA / ARV

• ARV (median comp): $224,992
• List price: $124,900
• Delta: -44.49%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9167 N Ridgewood Dr	0.46mi	3/2.5 (-1)	2,478 (-4%)	22mo	$220,000	$89	46

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: -11.6%
• Equity multiple: 0.58×
• Total profit: $-14,742
• Equity at exit: $18,623

10-year hold

• IRR: -2.0%
• Equity multiple: 0.86×
• Total profit: $-4,868
• Equity at exit: $10,799

Cash invested: $34,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Louisiana: 90 Strongly Landlord-Friendly · R+12
• County: — inherits STATE
• City: — inherits STATE

5-day notice; no state rent control; civil-law jurisdiction; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 70814

• Home prices YoY: -19.5%
• Active inventory: 69
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,800 medium
• Mortgage (P&I): −$655
• Tax from tax record: −$207 /mo · $2,486/yr
• Insurance: −$52
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$378
• Net cashflow: $81

Break-even live

Break-even rent $1,697

Max offer price $124,900

Occupancy floor 90%

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3087 Farrington Dr Baton Rouge, LA	3.0	2.0	1795	$1,800	$1.00	23d	1	1.08mi
3087 Farrington Dr Baton Rouge, LA	3.0	2.0	1795	$1,800	$1.00	14d	1	1.08mi

Listing history 48 events

1. 2026-06-18
   days on market $124,900 Active 306 DOM
2. 2026-06-17
   days on market $124,900 Active 305 DOM
3. 2026-06-16
   days on market $124,900 Active 304 DOM
4. 2026-06-15
   days on market $124,900 Active 303 DOM
5. 2026-06-14
   days on market $124,900 Active 301 DOM
6. 2026-06-10
   days on market $124,900 Active 298 DOM
7. 2026-06-09
   days on market $124,900 Active 297 DOM
8. 2026-06-08
   days on market $124,900 Active 296 DOM
9. 2026-06-07
   days on market $124,900 Active 295 DOM
10. 2026-06-05
    days on market $124,900 Active 292 DOM
11. 2026-06-03
    days on market $124,900 Active 291 DOM
12. 2026-06-02
    days on market $124,900 Active 290 DOM
13. 2026-06-01
    days on market $124,900 Active 289 DOM
14. 2026-05-31
    days on market $124,900 Active 288 DOM
15. 2026-05-31
    days on market $124,900 Active 287 DOM
16. 2026-04-02
    price $124,900 227-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

17. 2026-04-02
    price $124,900 228-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

18. 2026-03-16
    status Active 227-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

19. 2026-03-16
    status Active 228-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

20. 2026-02-27
    price $139,900 227-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

21. 2026-02-27
    price $139,900 228-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

22. 2025-12-05
    price $149,900 227-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

23. 2025-12-05
    price $149,900 228-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

24. 2025-10-29
    price $164,900 227-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

25. 2025-10-29
    price $164,900 228-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

26. 2025-09-22
    price $179,900 227-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

27. 2025-09-22
    price $179,900 228-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

28. 2025-08-14
    listed $199,900 Active 227-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

29. 2025-08-14
    listed $199,900 Active 228-char remark

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

30. 2025-08-14
    listed $179,900 Active

    Show marketing remark (228 chars)

    4BR/2BA brick home sits on over one acre lot! Some updating. Huge den with fireplace. No carpet. Nice size master suite. Great yard space and covered parking. Could be perfect for homeowner looking for plenty of square footage.

31. 2024-01-26
    historical
32. 2023-12-30
    price $189,900
33. 2023-05-08
    listed $199,900 Active
34. 2023-05-08
    listed $189,900
35. 2022-11-18
    historical
36. 2019-01-17
    historical
37. 2018-11-26
    listed $199,900 Active
38. 2018-11-26
    listed $199,900
39. 2011-02-17
    soldstatus $115,000
40. 2011-02-16
    soldstatus
41. 2010-07-31
    listed $119,000
42. 2010-07-31
    listed $119,000
43. 2004-10-04
    soldstatus
44. 2004-05-06
    listed $64,900
45. 2004-05-06
    listed $64,900
46. 1997-07-11
    soldstatus
47. 1997-06-09
    listed $67,500
48. 1997-06-09
    listed $67,500

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

Tax reassessment forecast LA · Resets to sale price

• Current annual tax: $2,486 · $207/mo
• Projected year-2 tax: $2,486 · $207/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 6/10 Major FEMA zone AE · 72% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,600
• − Mortgage interest: −$6,996
• − Property taxes: −$2,486
• − Insurance: −$5,743
• − Repairs & maintenance: −$1,728
• − Management: −$1,728
• − Depreciation: −$3,633
• Taxable loss: −$715
• Est. tax savings @ 24.0%: +$171
• After-tax cash flow: $1,147/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: East Baton Rouge Parish
• NCES district ID: 2200540
• Math proficiency: 22% ▼ -36.00%
• Reading proficiency: 34% ▼ -31.00%
• Median HH income: $46,263
• Composite: 24.14/100
• National rank: #7745
• State rank: #47 of 98 in LA

Livability — Baton Rouge

• Score: 74/100
• State rank: #24
• US rank: #4535

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 351,868
• Population (ZIP): 11,424

Population outlook (East Baton Rouge County) Hauer SSP2

• Today (2025): 464,810 people
• By 2030: 472,137 · +1.6%
• By 2040: 480,243 · +3.3%
• By 2050: 484,422 · +4.2%
• By 2075: 492,069 · +5.9%
• By 2100: 476,347 · +2.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (83%)
• Race & ethnicity: Black 83% Hispanic / Latino 8% White 7% Two or more races 4%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 2% Serbian 1%
• Foreign-born: 7% · Canada
• Languages at home: 92% English-only · Spanish 7% Arabic 1%

Political lean MEDSL · East Baton Rouge

• 2024 margin: D (+11.1) · D 54.5% · R 43.4% · Other 2.1%
• 2008→2024 swing: +8.9pp toward D · 2008: 2.2pp · 2024: 11.1pp
• All cycles: 2024: D+11.1 2020: D+13.1 2016: D+9.2 2012: D+5.2 2008: D+2.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -50.79%
• Current HPI: 210.2213
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.29%
• F500 in state: 10

Industry mix (Fortune 500 HQ in LA)

Industry	F500 HQs	Revenue
▸Telecommunications	2	$23B
▸Utilities	1	$12B
▸Wholesale / Distribution	1	$5B
▸Advertising	1	$2B

Price history

+85.0% since first listed

33 events — show timeline

• 2026-04-02 Price Changed $124,900 AcadianaMLS
• 2026-04-02 Price Changed $124,900 GBRMLS
• 2026-03-16 Relisted — AcadianaMLS
• 2026-03-16 Relisted — GBRMLS
• 2026-02-27 Price Changed $139,900 AcadianaMLS
• 2026-02-27 Price Changed $139,900 GBRMLS
• 2025-12-05 Price Changed $149,900 AcadianaMLS
• 2025-12-05 Price Changed $149,900 GBRMLS
• 2025-10-29 Price Changed $164,900 AcadianaMLS
• 2025-10-29 Price Changed $164,900 GBRMLS
• 2025-09-22 Price Changed $179,900 AcadianaMLS
• 2025-09-22 Price Changed $179,900 GBRMLS
• 2025-08-14 Listed $179,900 AcadianaMLS
• 2025-08-14 Listed $199,900 GBRMLS
• 2025-08-14 Listed $199,900 AcadianaMLS
• 2024-01-26 Delisted — GBRMLS
• 2023-12-30 Price Changed $189,900 GBRMLS
• 2023-05-08 Listed $189,900 AcadianaMLS
• 2023-05-08 Listed $199,900 GBRMLS
• 2022-11-18 Rental Removed — RENT.
• 2019-01-17 Delisted — GBRMLS
• 2018-11-26 Listed $199,900 AcadianaMLS
• 2018-11-26 Listed $199,900 GBRMLS
• 2011-02-17 Sold (Public Records) $115,000 Public Records
• 2011-02-16 Sold (MLS) — GBRMLS
• 2010-07-31 Listed $119,000 GBRMLS
• 2010-07-31 Listed $119,000 AcadianaMLS
• 2004-10-04 Sold (MLS) — GBRMLS
• 2004-05-06 Listed $64,900 GBRMLS
• 2004-05-06 Listed $64,900 AcadianaMLS
• 1997-07-11 Sold (MLS) — GBRMLS
• 1997-06-09 Listed $67,500 GBRMLS
• 1997-06-09 Listed $67,500 AcadianaMLS

Property tax history

+14.0%/yr

Latest (2025): $2,486 · -0.4% YoY. Source: county tax records.