320 Valentine Dr · Martinsburg, WV
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $787 – $1,461
Heat risk 5/10 · Moderate
- Hot days now (above 102°F)
- 7 days/yr
- Hot days in 30 yrs
- 16 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 2.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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 +23.4/30.0
- DSCR +7.5/10.0
- ARV discount +7.5/15.0
- 1% rule +6.1/10.0
- Appreciation +6.0/10.0
- Livability +3.8/5.0
- Condition / age +3.8/5.0
- Schools +3.3/10.0
- Rent growth +2.5/5.0
- Manufactured-home adj. -5.1
$135,000
320 Valentine Dr · Martinsburg, WV 25405
3 bd · 2.0 ba · 1,300 sqft · Manufactured
· 7 Days on market
Manufactured home
Built 2025
Garage
$104/sqft
· 53% below area
↓ 13% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Briefly off the market for a fresh coat of paint- this 2025 manufactured home is back and ready for its next chapter. Featuring 3 bedrooms and 2 full bathrooms, this beautifully maintained home offers a spacious open-concept layout designed for modern living. The heart of the home is the expansive eat-in kitchen with abundant cabinetry, a large center island, and a walk-in pantry, seamlessly flowing into the dining area and inviting living room. The private primary suite serves as a relaxing retreat with a custom accent wall and an en-suite bathroom. Two additional bedrooms and a second full bath provide plenty of space for family, guests, or a home office.
Key facts
- Large center island
- Walk-in pantry
- 2 parking spots
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath manufactured listed at $135k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $250 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $135k).
- Cap rate 8.5% vs local median 3.7% in Martinsburg — 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 75/100 on livability (#29 in WV, #4,057 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment D-.
- Berkeley County Schools (other): math 21% / reading 38% proficiency, ranked #24 of 55 in WV (top 44%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Market conditions: 152 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 36d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,460 units permitted in Berkeley County in 2024 (16 in 5+ unit buildings).
Forward outlook
- In year one you build about $6k of equity ($933 loan paydown + $5k appreciation (3.8% local appreciation)).
- Berkeley County population projected at +25% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (3.8% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~4 years — after that, you're playing with house money.
- By year 6, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
- 4 sale attempts 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.
Risks & watch-outs
- Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$135,000
Questions for the listing agent
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 1.11% ✓
- Cap rate
- 8.51%
- Cash-on-cash
- 7.93%
- DSCR
- 1.35
- GRM
- 7.5
CMA / ARV
- ARV (median comp)
- $290,256
- List price
- $135,000
- Delta
- -49.36%
- 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 |
|---|---|---|---|---|---|---|---|
| 1570 Nadenbousch Ln | 0.39mi | 3/1.0 | 1,200 (-8%) | 4mo | $265,000 | $221 | 62 |
| 77 Barbie Ln | 0.43mi | 4/3.0 (+1) | 1,408 (+8%) | 0mo | $332,000 | $236 | 57 |
| 197 Hollingsworth Ct | 1.24mi | 3/2.0 | 1,369 (+5%) | 2mo | $315,000 | $230 | 55 |
| 111 Hydro Rd | 0.54mi | 3/2.0 | 1,576 (+21%) | 3mo | $375,000 | $238 | 48 |
| 223 Larimar Ln | 1.36mi | 3/2.0 | 1,465 (+13%) | 3mo | $373,100 | $255 | 42 |
| 185 Bait Rd | 0.71mi | 3/2.0 | 1,559 (+20%) | 1mo | $392,100 | $252 | 41 |
| 236 Classic Vanville Rd | 1.26mi | 3/2.0 | 1,600 (+23%) | 2mo | $315,000 | $197 | 39 |
| 84 Tadpole Landing Rd | 0.76mi | 3/2.5 | 1,560 (+20%) | 2mo | $275,000 | $176 | 36 |
| 206 Pony Cir | 0.76mi | 3/2.5 | 1,580 (+22%) | 3mo | $245,000 | $155 | 36 |
| 11 Idyllwood Dr | 0.89mi | 3/1.0 | 1,032 (-21%) | 1mo | $225,000 | $218 | 35 |
| 38 Spool Rd | 1.07mi | 3/2.5 | 1,524 (+17%) | 4mo | $287,500 | $189 | 35 |
| 6543 Winchester Ave | 1.41mi | 2/2.0 (-1) | 980 (-25%) | 2mo | $100,000 | $102 | 34 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
3.84% appreciation · 3.0% rent growth · sell at horizon
5-year hold
- IRR
- 17.0%
- Equity multiple
- 2.01×
- Total profit
- $38,310
- Equity at exit
- $67,204
10-year hold
- IRR
- 17.9%
- Equity multiple
- 3.83×
- Total profit
- $106,839
- Equity at exit
- $108,938
Cash invested: $37,800 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 83 Strongly Landlord-Friendly
- State West Virginia
- 83 Strongly Landlord-Friendly · R+22
- County
- — inherits STATE
- City
- — inherits STATE
Landlord-favorable; preempted; minimal protections.
ZIP-level market 25405
- Home prices YoY
- 1.9%
- Active inventory
- 152
- Price-to-rent
- 7.5×
Monthly cashflow live
↻
- Estimated rent
- $1,497 high interval (Pro) →
- Mortgage (P&I)
- −$708
- Tax est. 1.5%
- −$169 /mo · $2,025/yr
- Insurance
- −$56
- HOA
- −$0
- Lot rent leased land?
- −$0
- Vacancy / Maint / Mgmt
- −$314
- Net cashflow
- $250
Break-even live
Break-even rent
$1,181
Max offer price
$135,000
Occupancy floor
78%
Sensitivity live
| Price | -10% $343 | -5% $296 | +0% $250 | +5% $203 | +10% $157 |
|---|---|---|---|---|---|
| Rent | -10% $132 | -5% $191 | +0% $250 | +5% $309 | +10% $368 |
| Rate | -1.0pp $318 | -0.5pp $284 | base $250 | +0.5pp $215 | +1.0pp $179 |
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
- $33,750
- Closing costs
- $4,050
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 6 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 122 Sinker Dr Inwood, WV | 3.0 | 2.0 | 1200 | $1,600 | $1.33 | 116d | 1 | 0.69mi |
| 89 Ramshorn Rd Inwood, WV | 3.0 | 2.5 | 1786 | $2,300 | $1.29 | 19d | 1 | 0.70mi |
| 75 Foal Ln Martinsburg, WV | 3.0 | 2.5 | 1320 | $1,680 | $1.27 | 6d | 1 | 0.73mi |
| 79 Spatterdock Rd Inwood, WV | 2.0 | 2.0 | 1495 | $2,350 | $1.57 | 35d | 1 | 0.75mi |
| 124 Pony Cir Martinsburg, WV | 3.0 | 2.5 | 1800 | $1,750 | $0.97 | 116d | 1 | 0.78mi |
| 45 Eminence Dr Inwood, WV | 1.0–3.0 | 1.0–3.5 | 1416 | $2,200 | $1.55 | 0d | 3 | 1.46mi |
Property features AI
Finance
- Other
- Property listed as land lease ownership interest
- Financial info
- Land lease of $525 per monthLand lease has 99 years remainingGround rent paid annually
Exterior
- Parking
- Driveway parking (2 spaces)Total of 2 garage/parking spaces
- Utilities
- Public waterPublic sewer
- Home design
- Manufactured homeEstimated year built
- Construction
- Vinyl siding
- Exterior features
- Ground rent exists with annual paymentAbove-grade other structures
Interior
- Bedrooms
- Three bedrooms on the main level
- Bathrooms
- Two full bathrooms (both on the main level)
- Heating & cooling
- Central heating (electric)Central air conditioning (electric)Electric hot water
- Interior features
- No basementEstimated living area
Listing history 50 events
-
2026-09-24days on market $135,000 Active 7 DOM
-
2026-09-22days on market $135,000 Active 6 DOM
-
2026-09-21days on market $135,000 Active 5 DOM
-
2026-09-20days on market $135,000 Active 4 DOM
-
2026-09-18days on market $135,000 Active 2 DOM
-
2026-09-17pricedays on market $135,000 Active 1 DOM
-
2026-09-14days on market $144,900 Active 75 DOM
-
2026-09-13days on market $144,900 Active 74 DOM
-
2026-09-12days on market $144,900 Active 73 DOM
-
2026-09-11pricedays on market $144,900 Active 72 DOM
-
2026-09-05days on market $147,000 Active 66 DOM
-
2026-09-04days on market $147,000 Active 65 DOM
-
2026-09-03days on market $147,000 Active 64 DOM
-
2026-08-31days on market $147,000 Active 61 DOM
-
2026-08-30days on market $147,000 Active 60 DOM
-
2026-08-29days on market $147,000 Active 59 DOM
-
2026-08-28days on market $147,000 Active 58 DOM
-
2026-08-27days on market $147,000 Active 57 DOM
-
2026-08-25days on market $147,000 Active 55 DOM
-
2026-08-24days on market $147,000 Active 54 DOM
-
2026-08-23days on market $147,000 Active 53 DOM
-
2026-08-22days on market $147,000 Active 52 DOM
-
2026-08-21days on market $147,000 Active 51 DOM
-
2026-08-20days on market $147,000 Active 50 DOM
-
2026-08-19days on market $147,000 Active 49 DOM
-
2026-08-18pricestatus $147,000 Active 48 DOM
-
2026-08-01status $149,990 Active Under Contract 48 DOM
-
2026-07-31days on market $149,990 Active 48 DOM
-
2026-07-30days on market $149,990 Active 47 DOM
-
2026-07-29days on market $149,990 Active 46 DOM
-
2026-07-27days on market $149,990 Active 44 DOM
-
2026-07-25days on market $149,990 Active 42 DOM
-
2026-07-24days on market $149,990 Active 41 DOM
-
2026-07-23days on market $149,990 Active 40 DOM
-
2026-07-22days on market $149,990 Active 39 DOM
-
2026-07-22pricedays on market $149,990 Active 38 DOM
-
2026-07-13days on market $150,000 Active 37 DOM
-
2026-07-12days on market $150,000 Active 36 DOM
-
2026-07-11days on market $150,000 Active 35 DOM
-
2026-07-10days on market $150,000 Active 34 DOM
-
2026-07-09days on market $150,000 Active 33 DOM
-
2026-07-08days on market $150,000 Active 32 DOM
-
2026-07-07days on market $150,000 Active 31 DOM
-
2026-07-06days on market $150,000 Active 30 DOM
-
2026-07-05days on market $150,000 Active 29 DOM
-
2026-07-04days on market $150,000 Active 28 DOM
-
2026-07-03days on market $150,000 Active 27 DOM
-
2026-07-02days on market $150,000 Active 26 DOM
-
2026-07-01days on market $150,000 Active 25 DOM
-
2026-06-30days on market $150,000 Active 24 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 5/10 Major 7 d/yr ≥102°F today · 16 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $17,967
- − Mortgage interest
- −$7,562
- − Property taxes
- −$2,025
- − Insurance
- −$675
- − Repairs & maintenance
- −$1,437
- − Management
- −$1,437
- − Depreciation
- −$3,927
- Taxable income
- $903
combined federal + state — saved on this device
- Est. tax owed @ 24.0%
- −$217
- After-tax cash flow
- $2,782/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 · 13 photos
75/100
Cosmetic rehab
Est. rehab $6,500–$19,500 screening
This 2025 double-wide home is in good condition with modern updates and a well-maintained exterior. It is ready for immediate occupancy and can be further enhanced with some cosmetic updates.
Value-add opportunities
- Resale Paint the exterior siding — Fresh paint can enhance curb appeal and property value. ↑
- Rental Clean the gutters — Clean gutters improve drainage and prevent water damage, which is important for rental properties. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
F
Composite school gradezoned avg 33/100
Zoned Schools
Elementary
Valley View Elementary School
Middle
Mountain Ridge Middle School
F
WV #72/109
Nat'l #9,979/14,009
High
Musselman High School
F
WV #21/110
Nat'l #8,293/17,239
Schools (NCES district)
- District
- Berkeley County Schools
- NCES district ID
- 5400060
- Math proficiency
- 21% ▼ -12.00%
- Reading proficiency
- 38% ▼ -6.00%
- Median HH income
- $54,599
- Composite
- 26.16/100
- National rank
- #7273
- State rank
- #24 of 55 in WV
B
Composite livability gradescore 75/100
Livability — Martinsburg
- Score
- 75/100
- State rank
- #29
- US rank
- #4057
Category grades
Amenities A+
Commute F
Cost of living A+
Crime A
Employment D-
Housing A+
Health & safety A+
User ratings F
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Berkeley · 127,359 people
- City population
- 55,439
- Metro
- Hagerstown-Martinsburg, MD-WV
- Population (ZIP)
- 14,993
- Household income
- $90,962
- Rent vs Own
- Severe rent burden
- 2% of renters
Population outlook (Berkeley County) Hauer SSP2
- Today (2025)
- 127,359 people
- By 2030
- 134,684 · +5.8%
- By 2040
- 148,219 · +16.4%
- By 2050
- 159,300 · +25.1%
- By 2075
- 179,920 · +41.3%
- By 2100
- 183,896 · +44.4%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (84%)
- Race & ethnicity
- White 84% Black 6% Hispanic / Latino 5% Two or more races 5%
- Hispanic origin (detail)
- Puerto Rican 1% Dominican 1%
- Common ancestry
- Italian 4% Scotch-Irish 3% Slovak 2%
- Foreign-born
- 6% · Canada, South Korea
- Languages at home
- 93% English-only · Spanish 4% Other Indo-European 1%
Political lean MEDSL · Berkeley
- 2024 margin
- Solid R (+35.8) · D 31.2% · R 67.0% · Other 1.8%
- 2008→2024 swing
- -22.8pp toward R · 2008: -13.0pp · 2024: -35.8pp
- All cycles
- 2024: R+35.8 2020: R+31.2 2016: R+37.2 2012: R+21.3 2008: R+13.0
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 3.84%
- Current HPI
- 204.0128
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- —
- F500 in state
- 0
Price history
-12.9% since first listed11 events — show timeline
- 2026-09-16 Listed $135,000 BRIGHT MLS
- 2026-09-14 Listing Removed — BRIGHT MLS
- 2026-09-08 Price Changed $144,900 BRIGHT MLS
- 2026-08-19 Price Changed $147,000 BRIGHT MLS
- 2026-08-18 Relisted — BRIGHT MLS
- 2026-07-31 Contingent — BRIGHT MLS
- 2026-07-21 Price Changed $149,990 BRIGHT MLS
- 2026-07-21 Relisted — BRIGHT MLS
- 2026-07-14 Listing Removed — BRIGHT MLS
- 2026-06-24 Price Changed $150,000 BRIGHT MLS
- 2026-06-06 Listed $155,000 BRIGHT MLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…