121 E Lynnwood Dr · Diamond City, AR 72630

$97,500

3 bd · 2.0 ba · 1,100 sqft · SingleFamily public records · 7 Days on market

Built 1970 0.33 ac lot Est $151k · 35% 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 +25.8/30.0
• ARV discount +15.0/15.0
• DSCR +8.7/10.0
• 1% rule +5.8/10.0
• Appreciation +5.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks

Very Near Bull Shoals Lake - enjoy the partial wrap-around porch, large living room, kitchen-dine combo, and large primary bedroom. Property includes 2 near level lots only a few minutes to Bull Shoals Lake known for water sports and fishing. Home has new metal roof installed in 2025, newer central heat & air units, and several other updates, continue updates to buyers preference. Full basement includes one car garage and offers lots of storage along with easy access to plumbing, etc, basement does have seepage in rainfall time but sump pump and de-humidifier removes moisture in short time. Two nice lots with 10 x 13 storage building, lots of shade trees and privacy, only a few minute

Key facts

• New metal roof
• Shade trees
• Storage building

Tags

• PARTIAL WRAP-AROUND PORCH
• NEW METAL ROOF
• CENTRAL HEAT AND AIR UNITS
• FULL BASEMENT
• STORAGE BUILDING
• SHADE TREES

Property features AI

Finance

• Other: Annual tax noted (amount excluded per instructions)
• HOA & community: Monthly association fee (details not specified); Community includes lake access/features

Exterior

• Parking: Attached garage (1 covered space)
• Utilities: Electricity available; Public water; Sewer available
• Home design: Single-story home; Masonite exterior; Metal roof; Block foundation; Built 25+ years ago
• Construction: Masonite siding; Metal roof; Block foundation; Built more than 25 years ago
• Exterior features: Covered porch; Gravel driveway; Located on a city/subdivision lot; Public road frontage; Near Bull Shoals Lake

Interior

• Kitchen: Dishwasher; Electric range; Refrigerator; Eat-in kitchen
• Bedrooms: Bedroom on main level (approx. 11.9 x 8.10); Bedroom on main level (approx. 11.9 x 8.10)
• Flooring: Carpet; Laminate; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Ceiling fan(s); Eat-in kitchen; Pantry; Full unfinished walk-out basement
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $98k.

Deal economics

• At list price, monthly cash flow is $238 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $98k).
• Cap rate 9.2% vs local median 2.4% in Diamond City — 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 67/100 on livability (#107 in AR) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Lead Hill School District (rural): math 25% / reading 32% proficiency, ranked #166 of 238 in AR (top 70%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 21 active listings in the ZIP; 92 units permitted in Boone County in 2024 (72 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($674 loan paydown + $3k appreciation (3.0% local appreciation)).
• Boone County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$31k 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.
• Current owner paid $35k; list at $98k implies a 179% gain — meaningful room to come down on a strong offer.

Recommended offer $97,500

Questions for the listing agent

1. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.08% ✓
• Cap rate: 9.22%
• Cash-on-cash: 10.46%
• DSCR: 1.47
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $150,700
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
134 E Sherwood Dr	0.05mi	3/1.0	952 (-14%)	9mo	$157,000	$165	64
465 S Black Jack St	0.34mi	3/2.0	997 (-9%)	7mo	$67,000	$67	63
415 W Sherwood Dr	0.48mi	2/1.0 (-1)	1,108 (+1%)	9mo	$152,000	$137	60
204 W Pine St	0.53mi	2/1.0 (-1)	1,064 (-3%)	1mo	$149,900	$141	60
323 Pine St	0.62mi	2/1.0 (-1)	1,112 (+1%)	5mo	$155,000	$139	56
128 Larchwood Dr	0.17mi	2/1.0 (-1)	1,008 (-8%)	21mo	$100,000	$99	52
11 Whiteys Dr	0.72mi	3/2.0	1,128 (+2%)	17mo	$124,500	$110	48
803 Tealbrook	0.54mi	2/1.0 (-1)	1,196 (+9%)	22mo	$136,000	$114	33
811 Tealbrook	0.56mi	2/2.0 (-1)	1,248 (+14%)	19mo	$199,000	$159	30

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: 17.3%
• Equity multiple: 1.98×
• Total profit: $26,870
• Equity at exit: $43,840

10-year hold

• IRR: 18.7%
• Equity multiple: 3.72×
• Total profit: $74,382
• Equity at exit: $67,563

Cash invested: $27,300 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 92 Strongly Landlord-Friendly
• State Arkansas: 92 Strongly Landlord-Friendly · R+14
• County: — inherits STATE
• City: — inherits STATE

Only US state where non-payment is criminal. Strongly landlord-favorable; very few tenant protections.

Methodology + full state rankings →

ZIP-level market 72630

• Active inventory: 21
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,054 medium
• Mortgage (P&I): −$511
• Tax from tax record: −$43 /mo · $510/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$221
• Net cashflow: $238

Break-even live

Break-even rent $752

Max offer price $97,500

Occupancy floor 72%

Sensitivity live

Price	-10% $293	-5% $266	+0% $238	+5% $210	+10% $183
Rent	-10% $155	-5% $196	+0% $238	+5% $280	+10% $321
Rate	-1.0pp $287	-0.5pp $263	base $238	+0.5pp $213	+1.0pp $187

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: $24,375
• Closing costs: $2,925
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-05-15
   status Pending
2. 2026-05-08
   listed $97,500 Active
3. 2026-02-05
   price $98,900
4. 2026-01-06
   price $104,900
5. 1996-05-20
   soldstatus $35,000

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

Tax reassessment forecast AR · Resets to sale price

• Current annual tax: $510 · $43/mo
• Projected year-2 tax: $624 · $52/mo
• Expected delta: +$114/yr (+$9/mo · 22.3%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% 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: $12,645
• − Mortgage interest: −$5,462
• − Property taxes: −$510
• − Insurance: −$488
• − Repairs & maintenance: −$1,012
• − Management: −$1,012
• − Depreciation: −$2,836
• Taxable income: $1,326
• Est. tax owed @ 24.0%: −$318
• After-tax cash flow: $2,538/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: Lead Hill School District
• NCES district ID: 0503420
• Math proficiency: 25% ▼ -8.00%
• Reading proficiency: 32% ▼ -14.00%
• Median HH income: $32,310
• Composite: 23.24/100
• National rank: #7935
• State rank: #166 of 238 in AR

Livability — Diamond City

• Score: 67/100
• State rank: #107
• US rank: #10788

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Diamond City, AR
• City population: 123
• Population (ZIP): 123

Population outlook (Boone County) Hauer SSP2

• Today (2025): 37,238 people
• By 2030: 36,808 · -1.2%
• By 2040: 35,597 · -4.4%
• By 2050: 34,197 · -8.2%
• By 2075: 30,503 · -18.1%
• By 2100: 25,797 · -30.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 3% Asian 2% Pacific Islander 2%
• Common ancestry: Italian 2% Lithuanian 2% Russian 2%

Political lean MEDSL · Boone

• 2024 margin: Solid R (+65.0) · D 16.7% · R 81.6% · Other 1.7%
• 2008→2024 swing: -25.3pp toward R · 2008: -39.7pp · 2024: -65.0pp
• All cycles: 2024: R+65.0 2020: R+61.9 2016: R+58.5 2012: R+48.0 2008: R+39.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.80%
• F500 in state: 10

Industry mix (Fortune 500 HQ in AR)

Industry	F500 HQs	Revenue
▸Retail	1	$681B
▸Food / Agriculture	1	$53B
▸Retail / Energy	1	$22B
▸Transportation / Logistics	1	$12B
▸Energy	1	$4B

Price history

+178.6% since first listed

5 events — show timeline

• 2026-05-15 Pending — NWARMLS
• 2026-05-08 Listed $97,500 NWARMLS
• 2026-02-05 Price Changed $98,900 NWARMLS
• 2026-01-06 Price Changed $104,900 NWARMLS
• 1996-05-20 Sold (Public Records) $35,000 Public Records

Property tax history

+12.1%/yr

Latest (2025): $510 · +4817.0% YoY. Source: county tax records.