410 Taylor St St · Lynchburg, VA 24501

$99,000

4 bd · 1.0 ba · 1,584 sqft · SingleFamily public records · 60 Days on market

Built 1820 Fair condition 0.29 ac lot $62/sqft · 39% below area Est $158k · 37% under

---

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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +5.3/10.0
• Livability +4.5/5.0
• Rent growth +2.8/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

Historic home with incredible potential! This 3-bedroom, 1-bath property is a fantastic opportunity for first-time home buyers looking to build equity or investors seeking their next project. With a newer metal roof (2024), the heavy lifting has started. This home offers oil heat for reliable comfort and a recently added rock patio with cinder blocks, perfect for relaxing or entertaining. A new shed provides additional storage space. Situated on two parcels (410 & 408 Taylor Street), this property offers private space. While the home could benefit from additional improvements, it offers a great opportunity to customize and add value.

Key facts

• Two parcels
• Rock patio
• Newer metal roof

Tags

• NEWER METAL ROOF
• ROCK PATIO
• NEW SHED
• TWO PARCELS
• PRIVATE SPACE
• NEAR DOWNTOWN LYNCHBURG

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $99k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $655 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $99k).
• Recommended offer: $96k (3.0% below list) — sets the bar for market timing.
• Cap rate 14.2% vs local median 4.0% in Lynchburg — 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 91/100 on livability (#1 in VA, #58 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime C-, employment D+.
• Lynchburg City Public School District (urban): math 36% / reading 61% proficiency, ranked #104 of 131 in VA (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Bedford Hills Elementary (math 37% / reading 57%, grade D-, #794 of 1,108 statewide, top 74%, 383 students, 98% FRL); Linkhorne Middle (math 36% / reading 64%, grade C, #231 of 342 statewide, top 69%, 586 students, 95% FRL); E.C. Glass High (math 42% / reading 84%, grade B-, #223 of 319 statewide, top 70%, 1,325 students, 92% FRL) — zoned schools average 95% FRL vs 61% district-wide (34 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.1%/yr); 292 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals lingering (median 70d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 472 units permitted in Lynchburg city in 2024 (240 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Lynchburg County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 1.1% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 60 days — a 3% lower offer ($96k) is reasonable based on typical stale-listing flexibility.
• 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.
• Current owner paid $14k; list at $99k implies a 633% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1820 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,030 (3.0% below list)

Questions for the listing agent

1. It's been on market 60 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1820 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are A-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: 1.62% ✓
• Cap rate: 14.24%
• Cash-on-cash: 28.36%
• DSCR: 2.26
• GRM: 5.1

CMA / ARV

• ARV (median comp): $158,008
• List price: $99,000
• Delta: -36.71%
• 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
508 Fillmore St	0.20mi	3/2.0 (-1)	1,632 (+3%)	4mo	$25,000	$15	74
1011 Polk St	0.43mi	3/1.0 (-1)	1,547 (-2%)	3mo	$115,000	$74	68
1206 10th St	0.40mi	4/2.5	1,605 (+1%)	7mo	$199,900	$125	67
1626 Caroline St	0.45mi	4/1.0	1,516 (-4%)	9mo	$50,000	$33	64
1012 Monroe St	0.43mi	4/2.0	1,546 (-2%)	10mo	$195,000	$126	64
219 Pleasant St	0.38mi	3/2.0 (-1)	1,483 (-6%)	2mo	$175,500	$118	61
1109 Harrison St	0.56mi	3/1.0 (-1)	1,650 (+4%)	6mo	$265,000	$161	57
1006 Buchanan St	0.51mi	3/2.5 (-1)	1,645 (+4%)	3mo	$239,000	$145	56
84 Polk St	0.31mi	3/2.0 (-1)	1,404 (-11%)	4mo	$185,000	$132	55
424 Patrick St	0.71mi	3/2.0 (-1)	1,457 (-8%)	1mo	$260,000	$178	44
1205 Fillmore St	0.58mi	3/1.0 (-1)	1,370 (-14%)	4mo	$47,500	$35	42
1321 Taylor St	0.66mi	4/2.0	1,806 (+14%)	8mo	$136,000	$75	35

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 · 1.15% rent growth · sell at horizon

5-year hold

• IRR: 20.6%
• Equity multiple: 1.82×
• Total profit: $22,733
• Equity at exit: $14,761

10-year hold

• IRR: 27.6%
• Equity multiple: 3.23×
• Total profit: $61,839
• Equity at exit: $8,560

Cash invested: $27,720 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 32 active · 13 under contract
• Months of supply: 9.1 mo (11%/mo absorbed)
• Median asking: $199,900 ($125/sqft)
• Median days on market: 50 d
• This list price: 3% of active listings are priced below it
• ARV vs active asking: -20.2% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 24501

• Rents YoY: 1.1%
• Active inventory: 292
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,608 high
• Mortgage (P&I): −$519
• Tax from tax record: −$55 /mo · $654/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$338
• Net cashflow: $655

Break-even live

Break-even rent $778

Max offer price $99,000

Occupancy floor 54%

Sensitivity live

Price	-10% $711	-5% $683	+0% $655	+5% $627	+10% $599
Rent	-10% $528	-5% $592	+0% $655	+5% $719	+10% $782
Rate	-1.0pp $705	-0.5pp $680	base $655	+0.5pp $630	+1.0pp $603

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: $24,750
• Closing costs: $2,970
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
512 Polk St Lynchburg, VA	3.0	1.0	1340	$1,295	$0.97	70d	1	0.16mi
601 Jackson St Lynchburg, VA	3.0	2.0	1138	$1,595	$1.40	93d	1	0.23mi
1008 8th St Lynchburg, VA	3.0	2.0	1316	$1,795	$1.36	70d	1	0.30mi
812 Taylor St Lynchburg, VA	3.0	2.0	1872	$1,950	$1.04	62d	1	0.32mi
800 Pierce St Lynchburg, VA	4.0	1.0	1714	$1,295	$0.76	93d	1	0.38mi
900 Polk St Unit A Lynchburg, VA	3.0	1.0	1100	$895	$0.81	62d	1	0.38mi
1110 11th St Lynchburg, VA	3.0	1.5	2000	$1,450	$0.72	62d	1	0.50mi
209 Munford St Lynchburg, VA	3.0	2.5	1420	$1,497	$1.05	93d	1	0.53mi
1105 Fillmore St Unit B Lynchburg, VA	3.0	1.0	1300	$1,250	$0.96	93d	1	0.55mi
507 Victoria Ave Unit 507 Lynchburg, VA	4.0	2.0	1480	$1,700	$1.15	70d	1	0.69mi
1316 Harrison St Lynchburg, VA	3.0	1.5	1535	$1,500	$0.98	93d	1	0.74mi
1415 Floyd St Lynchburg, VA	3.0	2.0	1300	$1,800	$1.38	70d	1	0.75mi
1401 Kemper St Lynchburg, VA	2.0–3.0	2.0	1118	$1,167	$1.04	70d	6	0.79mi
1521 Taylor St Lynchburg, VA	3.0	1.0	1337	$1,195	$0.89	70d	1	0.82mi
1514 Fillmore St Lynchburg, VA	3.0	2.5	1560	$1,800	$1.15	62d	1	0.82mi
630 Park Ln Lynchburg, VA	4.0	1.5	1434	$1,895	$1.32	62d	1	0.84mi
1518 Fillmore St Lynchburg, VA	3.0	2.5	1560	$1,800	$1.15	62d	1	0.84mi
1308 16th St Lynchburg, VA	3.0	2.0	1380	$1,800	$1.30	62d	1	0.86mi
1701 Grace St Lynchburg, VA	4.0	2.0	2173	$1,495	$0.69	62d	1	0.89mi
403 Grove St Lynchburg, VA	3.0	2.0	1400	$1,600	$1.14	93d	1	0.93mi
2245 Landover Pl Lynchburg, VA	1.0–3.0	1.0–1.5	925	$965	$1.04	93d	2	1.05mi
2269 Aragon St Lynchburg, VA	3.0	2.0	1200	$1,695	$1.41	93d	1	1.17mi
520 Elmwood Ave Lynchburg, VA	5.0	3.0	1800	$2,250	$1.25	93d	1	1.19mi
320 Kenyon St Lynchburg, VA	3.0	2.0	1736	$1,595	$0.92	93d	1	1.20mi
2920 Richmond St Lynchburg, VA	4.0	1.0	1472	$1,695	$1.15	70d	1	1.34mi
1808 Rivermont Ave Apt B Lynchburg, VA	3.0	1.0	1100	$995	$0.90	70d	1	1.36mi
2202 Hollins Mill Rd Lynchburg, VA	3.0	1.0	1800	$1,400	$0.78	70d	1	1.39mi
2121 Langhorne Rd Unit 11011559SF 3BR/2BA Lynchburg, VA	3.0	2.0	1559	$1,695	$1.09	70d	1	1.46mi
1014 Landon Ct Lynchburg, VA	3.0	2.5	2168	$2,495	$1.15	62d	1	1.46mi

Property features AI

Finance

• Financial info: Annual tax: $655

Exterior

• Utilities: Public waterPublic sewerCable available
• Home design: Single-family residenceOne story
• Construction: Vinyl sidingMetal roof
• Exterior features: PatioPorch

Interior

• Flooring: Hardwood and wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Oil heatingWindow cooling units
• Interior features: Electric water heaterHardwood and wood flooring
• Laundry & utility: No laundry in unit

Listing history 50 events

1. 2026-08-08
   days on market $99,000 Active 60 DOM
2. 2026-08-07
   days on market $99,000 Active 59 DOM
3. 2026-08-06
   days on market $99,000 Active 58 DOM
4. 2026-08-05
   days on market $99,000 Active 57 DOM
5. 2026-08-04
   days on market $99,000 Active 56 DOM
6. 2026-08-03
   days on market $99,000 Active 55 DOM
7. 2026-07-31
   days on market $99,000 Active 52 DOM
8. 2026-07-30
   days on market $99,000 Active 51 DOM
9. 2026-07-29
   days on market $99,000 Active 50 DOM
10. 2026-07-27
    days on market $99,000 Active 48 DOM
11. 2026-07-25
    days on market $99,000 Active 46 DOM
12. 2026-07-23
    days on market $99,000 Active 44 DOM
13. 2026-07-22
    days on market $99,000 Active 43 DOM
14. 2026-07-21
    days on market $99,000 Active 42 DOM
15. 2026-07-18
    days on market $99,000 Active 39 DOM
16. 2026-07-16
    days on market $99,000 Active 37 DOM
17. 2026-07-16
    days on market $99,000 Active 36 DOM
18. 2026-07-14
    days on market $99,000 Active 35 DOM
19. 2026-07-13
    days on market $99,000 Active 34 DOM
20. 2026-07-12
    days on market $99,000 Active 33 DOM
21. 2026-07-11
    days on market $99,000 Active 32 DOM
22. 2026-07-10
    days on market $99,000 Active 31 DOM
23. 2026-07-09
    days on market $99,000 Active 30 DOM
24. 2026-07-08
    days on market $99,000 Active 29 DOM
25. 2026-07-07
    days on market $99,000 Active 28 DOM
26. 2026-07-06
    days on market $99,000 Active 27 DOM
27. 2026-07-05
    days on market $99,000 Active 26 DOM
28. 2026-07-04
    days on market $99,000 Active 25 DOM
29. 2026-07-03
    days on market $99,000 Active 24 DOM
30. 2026-07-02
    days on market $99,000 Active 23 DOM
31. 2026-07-01
    days on market $99,000 Active 22 DOM
32. 2026-06-30
    days on market $99,000 Active 21 DOM
33. 2026-06-29
    days on market $99,000 Active 20 DOM
34. 2026-06-28
    days on market $99,000 Active 19 DOM
35. 2026-06-28
    days on market $99,000 Active 18 DOM
36. 2026-06-27
    days on market $99,000 Active 17 DOM
37. 2026-06-25
    days on market $99,000 Active 15 DOM
38. 2026-06-23
    days on market $99,000 Active 13 DOM
39. 2026-06-21
    days on market $99,000 Active 12 DOM
40. 2026-06-19
    days on market $99,000 Active 10 DOM
41. 2026-06-18
    price $99,000 Active 9 DOM
42. 2026-06-18
    days on market $100,000 Active 9 DOM
43. 2026-06-17
    days on market $100,000 Active 8 DOM
44. 2026-06-16
    days on market $100,000 Active 7 DOM
45. 2026-06-15
    days on market $100,000 Active 6 DOM
46. 2026-06-14
    days on market $100,000 Active 4 DOM
47. 2026-06-13
    days on market $100,000 Active 3 DOM
48. 2026-06-09
    days on marketlisting id $100,000 Active 1 DOM
49. 2026-06-07
    days on market $100,000 Active 45 DOM
50. 2026-06-03
    days on market $100,000 Active 41 DOM

ⓘ 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: $654 · $55/mo
• Projected year-2 tax: $812 · $68/mo
• Expected delta: +$157/yr (+$13/mo · 24.1%)

ⓘ 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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥102°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $19,294
• − Mortgage interest: −$5,546
• − Property taxes: −$654
• − Insurance: −$495
• − Repairs & maintenance: −$1,544
• − Management: −$1,544
• − Depreciation: −$2,880
• Taxable income: $6,632
• Est. tax owed @ 24.0%: −$1,592
• After-tax cash flow: $6,271/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 · 9 photos

Fair 45/100 Moderate rehab Est. rehab $39,600–$71,280 screening

This historic home with incredible potential offers a great opportunity for first-time home buyers and investors. While it requires moderate renovations, the new metal roof and private space on two parcels make it a solid investment.

Components & finishes AI

Roof metal Flooring carpet

Repairs flagged

• Moderate kitchen cabinets — dated and in need of replacement
• Moderate kitchen countertops — dated and in need of replacement
• Moderate kitchen appliances — dated and in need of replacement
• Moderate bathroom fixtures — basic and in need of updating

Value-add opportunities

• Both update kitchen cabinets, countertops, and appliances — modernizing the kitchen will appeal to buyers and renters ↑
• Both update bathroom fixtures — modernizing the bathroom will appeal to buyers and renters ↑
• Both paint interior walls — fresh paint will improve the home's curb appeal and interior aesthetics ↑
• Both landscaping and curb appeal — improved landscaping will enhance the home's curb appeal and attract more buyers and renters ↑

ⓘ Rehab cost is a screening estimate — Moderate 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.

D Composite school gradezoned avg 53/100

Zoned Schools

Elementary Bedford Hills Elementary D- VA #794/1,108 Nat'l #14,504/41,679 Middle Linkhorne Middle C VA #231/342 Nat'l #3,460/14,009 High E.c. Glass High B- VA #223/319 Nat'l #3,148/17,239

Schools (NCES district)

• District: Lynchburg City Public School District
• NCES district ID: 5102340
• Math proficiency: 36% ▼ -38.00%
• Reading proficiency: 61% ▼ -8.00%
• Median HH income: $39,097
• Composite: 40.4/100
• National rank: #3730
• State rank: #104 of 131 in VA

A Composite livability gradescore 91/100

Livability — Lynchburg

• Score: 91/100
• State rank: #1
• US rank: #58

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lynchburg, VA
• County: Lynchburg City · 87,977 people
• City population: 97,036
• Metro: Lynchburg, VA
• Population (ZIP): 25,006
• Household income: $42,222
• Rent vs Own: 53.0% rent · 47.0% own
• Severe rent burden: 12% of renters

---

Population outlook (Lynchburg County) Hauer SSP2

• Today (2025): 87,977 people
• By 2030: 93,626 · +6.4%
• By 2040: 106,145 · +20.7%
• By 2050: 120,783 · +37.3%
• By 2075: 162,249 · +84.4%
• By 2100: 191,358 · +117.5%

---

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 58% Black 34% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Slovak 1% Italian 1% Serbian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 2%

---

Political lean MEDSL · Lynchburg

• 2024 margin: Lean R (+7.9) · D 45.4% · R 53.3% · Other 1.3%
• 2008→2024 swing: -3.9pp toward R · 2008: -4.0pp · 2024: -7.9pp
• All cycles: 2024: R+7.9 2020: D+2.6 2016: R+9.0 2012: R+10.6 2008: R+4.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -131.06%
• Current HPI: 223.6839
• Rent YoY: ▲ 1.15%
• Metro: Lynchburg, VA
• 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

Property features AI

Finance

• Financial info: Annual tax: $655

Exterior

• Utilities: Public waterPublic sewerCable available
• Home design: Single-family residenceOne story
• Construction: Vinyl sidingMetal roof
• Exterior features: PatioPorch

Interior

• Flooring: Hardwood and wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Oil heatingWindow cooling units
• Interior features: Electric water heaterHardwood and wood flooring
• Laundry & utility: No laundry in unit

Price history

+633.3% since first listed

9 events — show timeline

• 2026-06-18 Price Changed $99,000 LMLS
• 2026-06-09 Listed $100,000 LMLS
• 2026-05-15 Price Changed $100,000 LMLS
• 2026-04-23 Listed $125,000 LMLS
• 2025-11-11 Price Changed $95,000 LMLS
• 2025-10-31 Relisted — LMLS
• 2025-10-24 Pending — LMLS
• 2025-10-07 Listed $99,099 LMLS
• 1995-05-01 Sold (Public Records) $13,500 Public Records

Property tax history

+8.0%/yr

Latest (2025): $654 · +85.7% YoY. Source: county tax records.