1545 Liberty Rd · Eubank, KY 42567

$175,000

1 bd · 1.0 ba · 672 sqft · SingleFamily public records · 14 Days on market

Built 2011 4.55 ac lot

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Why this score? — see what drove the D- 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 +8.5/30.0
• ARV discount +7.5/15.0
• Appreciation +6.1/10.0
• Schools +4.0/10.0
• Livability +3.2/5.0
• 1% rule +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.3/10.0

Listing remarks

4.55 Acres +- with Private Cottage Retreat!!! Nestled Among Mature Trees in a Peaceful Wooded Setting, this Cozy Cottages Features - Living Room, Kitchen, 1 Bedroom, 1 Bathroom, Front Covered Porch, Metal Roof, 2 Car Detached Carport and Offers Exceptional Privacy with Country Charm. A Network of Fencing and Multiple Out Buildings Provide Ample Storage or Room for Hobbies. If you are Looking for a Quite Getaway, Investment Property, or a Place to Enjoy Privacy and the Outdoors, this is Unique Property is Worth a Look!

Key facts

• Front covered porch
• Metal roof
• Detached carport

Tags

• PRIVATE COTTAGE RETREAT
• PEACEFUL WOODED SETTING
• FRONT COVERED PORCH
• METAL ROOF
• DETACHED CARPORT
• EXCEPTIONAL PRIVACY

Property features AI

Finance

• Other: Parcel number 084-0-2-18.3

Exterior

• Parking: Detached carport
• Utilities: Public water; Septic tank; Electricity connected
• Home design: Cabin; Single-story entry
• Construction: Vinyl siding; Pillar/post/pier foundation
• Exterior features: Shed(s); Wire fencing; Secluded lot with many trees

Interior

• Kitchen: Refrigerator; Range
• Bedrooms: 3 total rooms
• Flooring: Carpet; Laminate
• Bathrooms: 1 full bathroom
• Interior features: Eat-in kitchen; Ceiling fan(s); Soaking tub
• Laundry & utility: Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $-154 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $153k (12.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $134k (23.6% below list).
• Recommended offer: $134k (23.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 65/100 on livability (#262 in KY) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment F.
• Pulaski County (town): math 43% / reading 53% proficiency, ranked #17 of 165 in KY (top 10%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Northern Elementary School (math 57% / reading 52%, grade C, #66 of 676 statewide, top 11%, 360 students, 66% FRL); Pulaski County High School (math 42% / reading 47%, grade F, #21 of 254 statewide, top 10%, 1,209 students, 57% FRL).
• Market conditions: 36 active listings in the ZIP; 117 units permitted in Pulaski County in 2024 (50 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($1k loan paydown + $4k appreciation (2.3% local appreciation)).
• By year 7, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $15k; list at $175k implies a 1067% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $133,648 (23.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.76% ✗
• Cap rate: 5.24%
• Cash-on-cash: -3.76%
• DSCR: 0.83
• GRM: 10.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.28% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.8%
• Equity multiple: 1.10×
• Total profit: $4,757
• Equity at exit: $71,705

10-year hold

• IRR: 5.7%
• Equity multiple: 1.80×
• Total profit: $39,107
• Equity at exit: $105,356

Cash invested: $49,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Kentucky: 83 Strongly Landlord-Friendly · R+16
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit (URLTA cities); generally landlord-friendly.

Methodology + full state rankings →

ZIP-level market 42567

• Home prices YoY: 0.9%
• Active inventory: 36
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $1,336 medium
• Mortgage (P&I): −$918
• Tax est. 1.5%: −$219 /mo · $2,625/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$281
• Net cashflow: $-154

Break-even live

Break-even rent $1,531

Max offer price $152,779

Occupancy floor —

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-06-18
   days on market $175,000 Active 14 DOM
2. 2026-06-17
   remarks 526-char remark
3. 2026-06-17
   pricedays on market $175,000 Active 13 DOM
4. 2026-06-16
   days on market $189,900 Active 12 DOM
5. 2026-06-15
   days on market $189,900 Active 11 DOM
6. 2026-06-13
   days on market $189,900 Active 9 DOM
7. 2026-06-12
   days on market $189,900 Active 8 DOM
8. 2026-06-09
   days on market $189,900 Active 5 DOM
9. 2026-06-08
   days on market $189,900 Active 4 DOM
10. 2026-06-07
    days on market $189,900 Active 3 DOM
11. 2026-06-07
    remarks 506-char remark
12. 2026-06-07
    listed $189,900 Active 2 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 5/10 Major
• 🌡 Heat 4/10 Moderate 7 d/yr ≥101°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,038
• − Mortgage interest: −$9,803
• − Property taxes: −$2,625
• − Insurance: −$875
• − Repairs & maintenance: −$1,283
• − Management: −$1,283
• − Depreciation: −$5,091
• Taxable loss: −$4,922
• Est. tax savings @ 24.0%: +$1,181
• After-tax cash flow: $-662/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: Pulaski County
• NCES district ID: 2104950
• Math proficiency: 43% ▼ -18.00%
• Reading proficiency: 53% ▼ -13.00%
• Median HH income: $35,366
• Composite: 39.69/100
• National rank: #3906
• State rank: #17 of 165 in KY

Livability — Eubank

• Score: 65/100
• State rank: #262
• US rank: #12947

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 5,150

Population outlook (Pulaski County) Hauer SSP2

• Today (2025): 65,414 people
• By 2030: 65,828 · +0.6%
• By 2040: 65,972 · +0.9%
• By 2050: 65,108 · -0.5%
• By 2075: 61,647 · -5.8%
• By 2100: 53,613 · -18.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 3%
• Common ancestry: Lithuanian 2% Italian 2% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 3% German/W. Germanic 2%

Political lean MEDSL · Pulaski

• 2024 margin: Solid R (+65.2) · D 16.9% · R 82.1% · Other 1.0%
• 2008→2024 swing: -9.9pp toward R · 2008: -55.4pp · 2024: -65.2pp
• All cycles: 2024: R+65.2 2020: R+62.7 2016: R+66.7 2012: R+60.5 2008: R+55.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.28%
• Current HPI: 263.9851
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.81%
• F500 in state: 4

Industry mix (Fortune 500 HQ in KY)

Industry	F500 HQs	Revenue
▸Healthcare	1	$118B
▸Food / Beverage	1	$7B

Price history

+1157.6% since first listed

3 events — show timeline

• 2026-06-03 Listed $189,900 ImagineMLS
• 2010-12-30 Sold (Public Records) $15,000 Public Records
• 2010-01-08 Sold (Public Records) $15,100 Public Records

Property tax history

-34.0%/yr

Latest (2022): $12 · -4.0% YoY. Source: county tax records.