1314 S Judson St · Fort Scott, KS 66701

$59,900

3 bd · 1.5 ba · 1,477 sqft · SingleFamily public records · 56 Days on market

Built 1920 6,098 sqft lot

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

3 bedroom, 1 bath bungalow located on paved street, central to city amenities, priced right and has a 1 car detached garage. Sold "as is/where is"

Key facts

• Built-in seating
• Attached dining area
• Laundry area

Tags

• BAY WINDOW
• BUILT-IN SEATING
• ATTACHED DINING AREA
• LAUNDRY AREA
• PRIVATE THIRD BEDROOM
• ATTACHED SUNROOM

Property features AI

Finance

• Other: Living area reported as 1,477 (source: public records)
• Financial info: No investor/multifamily financial data provided
• HOA & community: No HOA fees

Exterior

• Parking: Detached 1-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; 1.5-story floor plan; Located inside city limits
• Construction: Frame construction with vinyl siding; Composition roof; Approximately 101+ years old
• Exterior features: Metal fencing; 50 x 120 lot dimensions

Interior

• Kitchen: Kitchen with dining combo
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Natural gas heating; Cooling system present (no central A/C specified)
• Interior features: Enclosed porch; Entry; Sun room; Kit/Dining combo; Partial basement
• Laundry & utility: Laundry on main level; Laundry located off the kitchen

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $520 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $60k).
• Recommended offer: $58k (3.0% below list) — sets the bar for market timing.
• Cap rate 16.7% vs local median 4.9% in Fort Scott — 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 66/100 on livability (#259 in KS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: schools D, amenities F, commute F.
• Fort Scott (town): math 19% / reading 28% proficiency, ranked #150 of 169 in KS (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 70 active listings in the ZIP; 5 units permitted in Bourbon County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $414 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Bourbon County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 56 days — a 3% lower offer ($58k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 11y ago; this cycle's ask has dropped $10k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $35k; list at $60k implies a 72% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $58,103 (3.0% below list)

Questions for the listing agent

1. It's been on market 56 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-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: 1.92% ✓
• Cap rate: 16.71%
• Cash-on-cash: 37.19%
• DSCR: 2.65
• GRM: 4.3

CMA / ARV

• ARV (on-the-fly): $132,930
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1428 S Main St	0.16mi	3/1.5	1,544 (+4%)	3mo	$72,500	$47	82
621 Tiffany Ln	0.41mi	3/2.0	1,500 (+2%)	1mo	$300,000	$200	75
1387 Marblecrest Dr	0.33mi	3/2.0	1,440 (-2%)	7mo	$155,000	$108	73
830 S Judson St	0.41mi	3/2.0	1,476 (-0%)	8mo	$99,000	$67	73
813 S National Ave	0.45mi	3/1.0	1,496 (+1%)	10mo	$135,000	$90	67
1707 Tomahawk Ln	0.63mi	3/2.0	1,440 (-2%)	1mo	$187,500	$130	64
910 S Judson St	0.33mi	2/1.0 (-1)	1,340 (-9%)	2mo	$87,500	$65	60
850 State St	0.45mi	2/1.0 (-1)	1,606 (+9%)	3mo	$44,000	$27	55
716 S Osbun St	0.69mi	3/2.0	1,385 (-6%)	7mo	$100,000	$72	49
523 S Crawford St	0.73mi	3/2.0	1,332 (-10%)	5mo	$159,900	$120	43
316 W St Marys St	0.55mi	3/2.0	1,696 (+15%)	6mo	$165,000	$97	43
608 S Lowman St	0.74mi	2/1.0 (-1)	1,280 (-13%)	8mo	$110,000	$86	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: 33.1%
• Equity multiple: 2.40×
• Total profit: $23,398
• Equity at exit: $8,931

10-year hold

• IRR: 40.1%
• Equity multiple: 4.76×
• Total profit: $63,003
• Equity at exit: $5,179

Cash invested: $16,772 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Kansas: 83 Strongly Landlord-Friendly · R+10
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; moderate court pace.

Methodology + full state rankings →

ZIP-level market 66701

• Home prices YoY: -10.4%
• Active inventory: 70
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,148 medium
• Mortgage (P&I): −$314
• Tax from tax record: −$48 /mo · $576/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $520

Break-even live

Break-even rent $490

Max offer price $59,900

Occupancy floor 50%

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: $14,975
• Closing costs: $1,797
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-18
   days on market $59,900 Active 56 DOM
2. 2026-06-17
   days on market $59,900 Active 55 DOM
3. 2026-06-16
   days on market $59,900 Active 54 DOM
4. 2026-06-15
   days on market $59,900 Active 53 DOM
5. 2026-06-13
   days on market $59,900 Active 51 DOM
6. 2026-06-12
   days on market $59,900 Active 50 DOM
7. 2026-06-09
   days on market $59,900 Active 47 DOM
8. 2026-06-08
   days on market $59,900 Active 46 DOM
9. 2026-06-07
   days on market $59,900 Active 45 DOM
10. 2026-06-07
    days on market $59,900 Active 44 DOM
11. 2026-06-04
    days on market $59,900 Active 41 DOM
12. 2026-06-02
    days on market $59,900 Active 40 DOM
13. 2026-06-01
    days on market $59,900 Active 39 DOM
14. 2026-05-31
    days on market $59,900 Active 38 DOM
15. 2026-05-31
    days on market $59,900 Active 37 DOM
16. 2026-05-12
    price $59,900
17. 2026-04-23
    listed $69,900 Active
18. 2018-04-13
    soldstatus
19. 2018-04-12
    soldstatus 156-char remark

    Show marketing remark (156 chars)

    3 bedroom, 1 bath bungalow located on paved street, central to city amenities, priced right and has a 1 car detached garage. Sold "as is/where is"

20. 2018-03-05
    listed $10,000 156-char remark

    Show marketing remark (156 chars)

    3 bedroom, 1 bath bungalow located on paved street, central to city amenities, priced right and has a 1 car detached garage. Sold "as is/where is"

21. 2016-04-12
    listed $10,000 77-char remark

    Show marketing remark (77 chars)

    3 bedroom 1.5 bath bungalow on nice street, sold "as is'/where is".

22. 2015-07-14
    listed $12,000
23. 2002-09-01
    soldstatus $34,900

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

Tax reassessment forecast KS · Resets to sale price

• Current annual tax: $576 · $48/mo
• Projected year-2 tax: $845 · $70/mo
• Expected delta: +$268/yr (+$22/mo · 46.6%)

ⓘ 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 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,775
• − Mortgage interest: −$3,355
• − Property taxes: −$576
• − Insurance: −$300
• − Repairs & maintenance: −$1,102
• − Management: −$1,102
• − Depreciation: −$1,743
• Taxable income: $5,597
• Est. tax owed @ 24.0%: −$1,343
• After-tax cash flow: $4,894/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: Fort Scott
• NCES district ID: 2006180
• Math proficiency: 19% ▼ -3.00%
• Reading proficiency: 28% ▬ 0.00%
• Median HH income: $38,034
• Composite: 19.64/100
• National rank: #8741
• State rank: #150 of 169 in KS

Livability — Fort Scott

• Score: 66/100
• State rank: #259
• US rank: #11422

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fort Scott, KS
• Population (ZIP): 11,075

Population outlook (Bourbon County) Hauer SSP2

• Today (2025): 13,761 people
• By 2030: 13,139 · -4.5%
• By 2040: 11,920 · -13.4%
• By 2050: 10,892 · -20.8%
• By 2075: 8,645 · -37.2%
• By 2100: 6,751 · -50.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 5% Hispanic / Latino 3% Black 2%
• Common ancestry: Lithuanian 2% Serbian 2% Slovak 2%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 1% Other Asian/Pacific 1% German/W. Germanic 1%

Political lean MEDSL · Bourbon

• 2024 margin: Solid R (+54.2) · D 22.0% · R 76.1% · Other 1.9%
• 2008→2024 swing: -26.9pp toward R · 2008: -27.2pp · 2024: -54.2pp
• All cycles: 2024: R+54.2 2020: R+52.0 2016: R+50.8 2012: R+33.9 2008: R+27.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -20.03%
• Current HPI: 172.2531
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+71.6% since first listed

8 events — show timeline

• 2026-05-12 Price Changed $59,900 Heartland MLS as Distributed by MLS Grid
• 2026-04-23 Listed $69,900 Heartland MLS as Distributed by MLS Grid
• 2018-04-13 Sold (Public Records) — Public Records
• 2018-04-12 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2018-03-05 Listed $10,000 Heartland MLS as Distributed by MLS Grid
• 2016-04-12 Listed $10,000 Heartland MLS as Distributed by MLS Grid
• 2015-07-14 Listed $12,000 Heartland MLS as Distributed by MLS Grid
• 2002-09-01 Sold (Public Records) $34,900 Public Records

Property tax history

-3.2%/yr

Latest (2025): $576 · +2.8% YoY. Source: county tax records.