250 E Telegraph Rd #155 · Fillmore, CA 93015

$259,900

3 bd · 2.0 ba · 1,128 sqft · Manufactured public records · 78 Days on market

Built 2019 Est $180k · 44% over

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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 +27.6/30.0
• DSCR +9.7/10.0
• 1% rule +6.4/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

This brand new 3 bedroom, 2 bath home is waiting for its first homeowner!! The kitchen features an upgraded appliance package, and a snack bar. Master bedroom includes a walk-in closet and walk-in shower stall in master bath. There are mirrored closet doors, air conditioning, easy to care for landscaping, storage shed, and two car covered driveway parking. Schedule your personal tour today!

Key facts

• Air conditioning
• Walk in closet
• Walk in shower

Tags

• BLACK APPLIANCE PACKAGE
• WALK IN CLOSET
• WALK IN SHOWER
• MIRRORED CLOSET DOORS
• AIR CONDITIONING
• EASY TO MAINTAIN LANDSCAPING

Property features AI

Finance

• Other: Located in El Dorado Mobile Estates (El Dorado MHP - 0615)
• HOA & community: Community features include gutters, curbs, street lighting, and sidewalks; Land lease of $1,150 per month (park land lease)

Exterior

• Parking: Covered carport (2 spaces)
• Utilities: Public sewer; District / public water
• Home design: Mobile home (mobile home remains); Mobile width approximately 24; Mobile length approximately 4,446; Living area per public records
• Construction: Year built per public records
• Exterior features: Fenced yard; In-ground community pool; No patio or porch

Interior

• Kitchen: Refrigerator; Self-cleaning oven; Gas range; Dishwasher; Ice maker; Water line to refrigerator; Vented exhaust fan; Gas water heater
• Bathrooms: One full bathroom; One three-quarter bathroom
• Heating & cooling: Central air conditioning; Forced air heating
• Interior features: Community spa / hot tub
• Laundry & utility: Community laundry facilities

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $260k.

Deal economics

• At list price, monthly cash flow is $779 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $260k).
• Recommended offer: $244k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.9% vs local median 1.8% in Fillmore — 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 (#145 in CA, #4,935 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, health & safety A+, crime A; Watch: schools F, cost of living F.
• Fillmore Unified (town): math 18% / reading 25% proficiency, ranked #1,196 of 1,400 in CA (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 62 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,759 units permitted in Ventura County in 2024 (1,196 in 5+ unit buildings).
• This rent runs 38% of the median local income ($93k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Ventura County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $73k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 78 days — a 6% lower offer ($244k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 7y 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.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $244,306 (6.0% below list)

Questions for the listing agent

1. It's been on market 78 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 1.14% ✓
• Cap rate: 9.89%
• Cash-on-cash: 12.85%
• DSCR: 1.57
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $180,480
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
250 E Telegraph Rd #248	0.15mi	3/2.0	1,159 (+3%)	2mo	$210,000	$181	87
250 E Telegraph Rd #211	0.07mi	2/2.0 (-1)	1,215 (+8%)	0mo	$264,000	$217	78
250 E Telegraph rd #30 Rd #30	0.20mi	3/2.0	1,248 (+11%)	4mo	$200,000	$160	69
250 E Telegraph Rd #253	0.14mi	2/— (-1)	1,040 (-8%)	13mo	$150,000	$144	64
250 E Telegraph Rd #77	0.20mi	2/2.0 (-1)	1,248 (+11%)	4mo	$150,000	$120	64
250 E Telegraph Rd #240	0.11mi	2/2.0 (-1)	1,248 (+11%)	16mo	$149,000	$119	59
250 E Telegraph Rd #188	0.20mi	2/2.0 (-1)	1,040 (-8%)	20mo	$170,000	$163	56

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: 2.6%
• Equity multiple: 1.10×
• Total profit: $7,404
• Equity at exit: $38,752

10-year hold

• IRR: 12.2%
• Equity multiple: 1.96×
• Total profit: $69,929
• Equity at exit: $22,471

Cash invested: $72,772 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 93015

• Active inventory: 62
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $2,959 medium
• Mortgage (P&I): −$1,363
• Tax from tax record: −$87 /mo · $1,050/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$621
• Net cashflow: $779

Break-even live

Break-even rent $1,973

Max offer price $259,900

Occupancy floor 69%

Sensitivity live

Price	-10% $926	-5% $853	+0% $779	+5% $706	+10% $632
Rent	-10% $545	-5% $662	+0% $779	+5% $896	+10% $1,013
Rate	-1.0pp $910	-0.5pp $845	base $779	+0.5pp $712	+1.0pp $643

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: $64,975
• Closing costs: $7,797
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
152 Main St Fillmore, CA	2.0	1.0	750	$3,500	$4.67	45d	1	0.53mi
147 Sespe Ave Apt B Fillmore, CA	2.0	1.0	960	$2,250	$2.34	17d	1	0.62mi
442 B St Fillmore, CA	3.0	2.0	1153	$3,300	$2.86	2d	1	1.48mi

Listing history 24 events

1. 2026-06-21
   days on market $259,900 Active 78 DOM
2. 2026-06-18
   days on market $259,900 Active 75 DOM
3. 2026-06-17
   days on market $259,900 Active 74 DOM
4. 2026-06-16
   days on market $259,900 Active 73 DOM
5. 2026-06-15
   days on market $259,900 Active 72 DOM
6. 2026-06-13
   days on market $259,900 Active 70 DOM
7. 2026-06-13
   days on market $259,900 Active 69 DOM
8. 2026-06-10
   days on market $259,900 Active 67 DOM
9. 2026-06-09
   days on market $259,900 Active 66 DOM
10. 2026-06-08
    days on market $259,900 Active 65 DOM
11. 2026-06-07
    days on market $259,900 Active 64 DOM
12. 2026-06-05
    days on market $259,900 Active 61 DOM
13. 2026-06-03
    days on market $259,900 Active 60 DOM
14. 2026-06-02
    days on market $259,900 Active 59 DOM
15. 2026-06-01
    days on market $259,900 Active 58 DOM
16. 2026-05-31
    days on market $259,900 Active 57 DOM
17. 2026-05-22
    status Active
18. 2026-04-27
    status Pending Sale
19. 2026-03-10
    listed $259,900 Active
20. 2021-10-08
    status Pending Sale 393-char remark

    Show marketing remark (393 chars)

    This brand new 3 bedroom, 2 bath home is waiting for its first homeowner!! The kitchen features an upgraded appliance package, and a snack bar. Master bedroom includes a walk-in closet and walk-in shower stall in master bath. There are mirrored closet doors, air conditioning, easy to care for landscaping, storage shed, and two car covered driveway parking. Schedule your personal tour today!

21. 2021-10-08
    soldstatus $238,000 Closed Sale 393-char remark

    Show marketing remark (393 chars)

    This brand new 3 bedroom, 2 bath home is waiting for its first homeowner!! The kitchen features an upgraded appliance package, and a snack bar. Master bedroom includes a walk-in closet and walk-in shower stall in master bath. There are mirrored closet doors, air conditioning, easy to care for landscaping, storage shed, and two car covered driveway parking. Schedule your personal tour today!

22. 2021-06-09
    listed $229,000 Active 393-char remark

    Show marketing remark (393 chars)

    This brand new 3 bedroom, 2 bath home is waiting for its first homeowner!! The kitchen features an upgraded appliance package, and a snack bar. Master bedroom includes a walk-in closet and walk-in shower stall in master bath. There are mirrored closet doors, air conditioning, easy to care for landscaping, storage shed, and two car covered driveway parking. Schedule your personal tour today!

23. 2021-05-07
    historical
24. 2019-11-19
    listed $229,000 Active

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

Tax reassessment forecast CA · Resets to sale price

• Current annual tax: $1,050 · $87/mo
• Projected year-2 tax: $1,975 · $165/mo
• Expected delta: +$925/yr (+$77/mo · 88.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X · 32% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 6/10 Major 7 d/yr ≥98°F today · 20 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,511
• − Mortgage interest: −$14,558
• − Property taxes: −$1,050
• − Insurance: −$1,300
• − Repairs & maintenance: −$2,841
• − Management: −$2,841
• − Depreciation: −$7,561
• Taxable income: $5,361
• Est. tax owed @ 24.0%: −$1,287
• After-tax cash flow: $8,062/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: Fillmore Unified
• NCES district ID: 0613800
• Math proficiency: 18% ▼ -1.00%
• Reading proficiency: 25% ▼ -2.00%
• Median HH income: $59,326
• Composite: 23.21/100
• National rank: #13323
• State rank: #1196 of 1400 in CA

Livability — Fillmore

• Score: 74/100
• State rank: #145
• US rank: #4935

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fillmore, CA
• County: Ventura County · 829,955 people
• City population: 19,191
• Metro: Oxnard-Thousand Oaks-Ventura, CA
• Population (ZIP): 19,191
• Household income: $92,777
• Rent vs Own: 33.2% rent · 66.8% own
• Severe rent burden: 499.0

Population outlook (Ventura County) Hauer SSP2

• Today (2025): 895,754 people
• By 2030: 912,134 · +1.8%
• By 2040: 931,454 · +4.0%
• By 2050: 934,609 · +4.3%
• By 2075: 924,899 · +3.3%
• By 2100: 864,712 · -3.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (72%)
• Race & ethnicity: Hispanic / Latino 72% Two or more races 23% White 23% Asian 1%
• Hispanic origin (detail): Mexican 68%
• Common ancestry: Slovak 2% Lithuanian 2% Serbian 1%
• Foreign-born: 22% · Canada
• Languages at home: 49% English-only · Spanish 50%

Political lean MEDSL · Ventura

• 2024 margin: D (+15.1) · D 56.1% · R 41.0% · Other 2.9%
• 2008→2024 swing: +2.8pp toward D · 2008: 12.3pp · 2024: 15.1pp
• All cycles: 2024: D+15.1 2020: D+21.1 2016: D+16.8 2012: D+5.3 2008: D+12.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1091.27%
• Current HPI: 297.9157
• Rent YoY: —
• Metro: Oxnard-Thousand Oaks-Ventura, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

+13.5% since first listed

8 events — show timeline

• 2026-05-22 Relisted — CRMLS
• 2026-04-27 Pending — CRMLS
• 2026-03-10 Listed $259,900 CRMLS
• 2021-10-08 Pending — CRMLS
• 2021-10-08 Sold (MLS) $238,000 CRMLS
• 2021-06-09 Listed $229,000 CRMLS
• 2021-05-07 Listing Removed — CRMLS
• 2019-11-19 Listed $229,000 CRMLS

Property tax history

-23.4%/yr

Latest (2025): $1,050 · +0.7% YoY. Source: county tax records.