4315 W Lynchburg Salem Tpke · Bedford, VA 24174

$329,750

4 bd · 3.0 ba · 2,022 sqft · SingleFamily public records · 65 Days on market

Built 1966 1.68 ac lot $163/sqft · 36% above area Est $357k · 8% under

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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 +18.8/30.0
• ARV discount +11.0/15.0
• Appreciation +10.0/10.0
• DSCR +5.9/10.0
• Schools +5.5/10.0
• 1% rule +3.7/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with a walk-in closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location.

Key facts

• Separate entrance
• Walk-in closet
• Private bath

Tags

• OVERSIZED RANCH-STYLE HOME
• OPEN KITCHEN
• LARGE PRIMARY SUITE
• WALK-IN CLOSET
• PRIVATE BATH
• SEPARATE ENTRANCE

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $330k.

Deal economics

• At list price, monthly cash flow is $333 ($4k/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 $288k (12.5% below list).
• Recommended offer: $288k (12.5% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 3.2% in Bedford — 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 (#137 in VA, #4,371 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A-; Watch: amenities F, commute F, employment D-.
• Bedford County Public School District (rural): math 55% / reading 73% proficiency, ranked #41 of 131 in VA (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 19 active listings in the ZIP; 294 units permitted in Bedford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $35k of equity ($2k loan paydown + $33k appreciation (10.0% local appreciation)).
• Bedford County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $92k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$57k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($310k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 20y 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 $153k; list at $330k implies a 116% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $288,473 (12.5% below list)

Questions for the listing agent

1. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
2. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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. 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.
7. 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.
8. 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: 0.87% ✗
• Cap rate: 7.51%
• Cash-on-cash: 4.33%
• DSCR: 1.19
• GRM: 9.5

CMA / ARV

• ARV (median comp): $357,276
• List price: $329,750
• Delta: -7.70%
• Verdict: FAIR
• Comps: 2 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4421 W Lynchburg Salem Tpke	0.11mi	3/1.0 (-1)	1,720 (-15%)	15mo	$206,000	$120	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 27.4%
• Equity multiple: 3.17×
• Total profit: $200,647
• Equity at exit: $297,065

10-year hold

• IRR: 23.9%
• Equity multiple: 7.22×
• Total profit: $573,866
• Equity at exit: $640,632

Cash invested: $92,330 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State Virginia: 55 Moderately Landlord-Leaning · D+2
• County: — inherits STATE
• City: — inherits STATE

VRLTA gives some tenant protections; Northern Virginia courts slower; rural VA landlord-leaning.

Methodology + full state rankings →

ZIP-level market 24174

• Home prices YoY: 24.9%
• Active inventory: 19
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,885 medium
• Mortgage (P&I): −$1,729
• Tax from tax record: −$79 /mo · $950/yr
• Insurance: −$137
• HOA: −$0
• Vacancy / Maint / Mgmt: −$606
• Net cashflow: $333

Break-even live

Break-even rent $2,463

Max offer price $329,750

Occupancy floor 83%

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: $82,438
• Closing costs: $9,892
• Reserves months: —
• Total cash needed: —

Listing history 28 events

1. 2026-06-19
   days on market $329,750 Active 65 DOM
2. 2026-06-18
   price $329,750 Active 64 DOM
3. 2026-06-18
   days on market $329,775 Active 64 DOM
4. 2026-06-17
   days on market $329,775 Active 63 DOM
5. 2026-06-16
   days on market $329,775 Active 62 DOM
6. 2026-06-15
   days on market $329,775 Active 61 DOM
7. 2026-06-14
   days on market $329,775 Active 59 DOM
8. 2026-06-13
   pricedays on market $329,775 Active 58 DOM
9. 2026-06-10
   days on market $329,800 Active 56 DOM
10. 2026-06-09
    days on market $329,800 Active 55 DOM
11. 2026-06-08
    days on market $329,800 Active 54 DOM
12. 2026-06-07
    days on market $329,800 Active 53 DOM
13. 2026-06-05
    pricedays on market $329,800 Active 50 DOM
14. 2026-06-03
    days on market $329,825 Active 49 DOM
15. 2026-06-02
    days on market $329,825 Active 48 DOM
16. 2026-06-01
    days on market $329,825 Active 47 DOM
17. 2026-05-31
    days on market $329,825 Active 46 DOM
18. 2026-05-30
    days on market $329,825 Active 45 DOM
19. 2026-05-14
    price $329,875 1000-char remark

    Show marketing remark (1051 chars)

    Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with an oversized closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location--ready to fit a variety of needs and lifestyles.

20. 2026-05-14
    price $329,875 1051-char remark

    Show marketing remark (1051 chars)

    Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with an oversized closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location--ready to fit a variety of needs and lifestyles.

21. 2026-05-07
    price $329,900 1000-char remark

    Show marketing remark (1051 chars)

    Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with an oversized closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location--ready to fit a variety of needs and lifestyles.

22. 2026-05-07
    price $329,900 1051-char remark

    Show marketing remark (1051 chars)

    Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with an oversized closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location--ready to fit a variety of needs and lifestyles.

23. 2026-04-30
    price $329,925 1000-char remark

    Show marketing remark (1051 chars)

    Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with an oversized closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location--ready to fit a variety of needs and lifestyles.

24. 2026-04-30
    price $329,925 1051-char remark

    Show marketing remark (1051 chars)

    Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with an oversized closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location--ready to fit a variety of needs and lifestyles.

25. 2026-04-15
    listed $329,950 Active 1000-char remark

    Show marketing remark (1051 chars)

    Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with an oversized closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location--ready to fit a variety of needs and lifestyles.

26. 2026-04-15
    listed $329,950 Active 1051-char remark

    Show marketing remark (1051 chars)

    Welcome to this oversized ranch-style home perfectly situated between Roanoke and Lynchburg, offering both convenience and a peaceful setting. The entry level features three spacious bedrooms with the potential for a fourth, providing flexibility for growing households, home offices, or guest space. An open kitchen flows seamlessly into the main living areas, while an additional den offers the perfect spot for relaxing or entertaining. The large primary suite serves as a true retreat, complete with an oversized closet and a private bath with its own separate entrance for added convenience. Downstairs, you'll find even more room to expand, including an additional bedroom with its own private entrance--ideal for multi-generational living, guests, or potential rental opportunities. Situated on 1.68 acres, the outdoor space offers privacy and room to roam, along with a peaceful patio where you can unwind and take in the beautiful views. This property combines space, versatility, and location--ready to fit a variety of needs and lifestyles.

27. 2006-05-31
    soldstatus $152,900
28. 2006-04-21
    listed $152,900

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

Tax reassessment forecast VA · Resets to sale price

• Current annual tax: $950 · $79/mo
• Projected year-2 tax: $2,704 · $225/mo
• Expected delta: +$1,754/yr (+$146/mo · 184.6%)

ⓘ 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 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥101°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,617
• − Mortgage interest: −$18,471
• − Property taxes: −$950
• − Insurance: −$1,649
• − Repairs & maintenance: −$2,769
• − Management: −$2,769
• − Depreciation: −$9,593
• Taxable loss: −$1,584
• Est. tax savings @ 24.0%: +$380
• After-tax cash flow: $4,378/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: Bedford County Public School District
• NCES district ID: 5100360
• Math proficiency: 55% ▼ -29.00%
• Reading proficiency: 73% ▼ -7.00%
• Median HH income: $56,288
• Composite: 54.92/100
• National rank: #1310
• State rank: #41 of 131 in VA

Livability — Bedford

• Score: 74/100
• State rank: #137
• US rank: #4371

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 21,447
• Population (ZIP): 2,335

Population outlook (Bedford County) Hauer SSP2

• Today (2025): 83,194 people
• By 2030: 85,499 · +2.8%
• By 2040: 88,834 · +6.8%
• By 2050: 90,060 · +8.3%
• By 2075: 94,131 · +13.1%
• By 2100: 89,832 · +8.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Asian 4% Two or more races 3%
• Common ancestry: Italian 3% German 2% Romanian 1%
• Foreign-born: 4% · Vietnam, Canada
• Languages at home: 94% English-only · Vietnamese 2% Russian/Polish/Slavic 2% Spanish 2%

Political lean MEDSL · Bedford

• 2024 margin: Solid R (+50.4) · D 24.4% · R 74.8%
• 2008→2024 swing: -13.0pp toward R · 2008: -37.4pp · 2024: -50.4pp
• All cycles: 2024: R+50.4 2020: R+48.1 2016: R+49.4 2012: R+45.0 2008: R+37.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 61.56%
• Current HPI: 308.8944
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.40%
• F500 in state: 50

Industry mix (Fortune 500 HQ in VA)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	4	$236B
▸Technology / Defense	3	$32B
▸Financial Services	2	$176B
▸Utilities	2	$27B
▸Insurance	2	$25B
▸Technology	2	$15B

Price history

+115.7% since first listed

10 events — show timeline

• 2026-05-14 Price Changed $329,875 LMLS
• 2026-05-14 Price Changed $329,875 MLSRV
• 2026-05-07 Price Changed $329,900 LMLS
• 2026-05-07 Price Changed $329,900 MLSRV
• 2026-04-30 Price Changed $329,925 LMLS
• 2026-04-30 Price Changed $329,925 MLSRV
• 2026-04-15 Listed $329,950 LMLS
• 2026-04-15 Listed $329,950 MLSRV
• 2006-05-31 Sold (MLS) $152,900 MLSRV
• 2006-04-21 Listed $152,900 MLSRV

Property tax history

+1.6%/yr

Latest (2025): $950 · +0.0% YoY. Source: county tax records.