908 E 1st St · Hartford, AR 72938

$65,000

3 bd · 1.0 ba · 1,032 sqft · SingleFamily public records · 52 Days on market

0.68 ac lot Est $102k · 36% under

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Why this score? — see what drove the A- 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
• Appreciation +5.0/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks

Welcome to this cozy 3 bedroom, 1 bathroom home in Hartford! Featuring a practical floor plan and inviting living spaces, this home offers comfort and convenience. Whether you're looking for your first home or an investment opportunity, this property has great potential. Schedule your showing today!

Key facts

• 0.68 acre lot
• Listed 51 days

Property features AI

Finance

• Other: Property listed by Keller Williams Platinum Realty

Exterior

• Parking: Attached carport; Gravel parking; 1 covered space
• Utilities: Public water; Electricity available; Water available
• Home design: Single-family residence; One story; House; Located in Jones-Hartford subdivision
• Construction: Masonite exterior; Asphalt shingle roof
• Exterior features: Covered porch; No fencing; Public maintained road

Interior

• Kitchen: Range; Gas water heater
• Flooring: Ceramic tile; Laminate; Simulated wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (natural gas); Central air conditioning; Electric cooling; Ceiling fan(s)
• Interior features: Ceiling fan(s); Double pane windows
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $407 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Recommended offer: $63k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 73/100 on livability (#19 in AR) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, schools D-, amenities F.
• Hackett School District (rural): math 24% / reading 29% proficiency, ranked #173 of 238 in AR (top 73%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 20 active listings in the ZIP; 388 units permitted in Sebastian County in 2024 (16 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($449 loan paydown + $2k appreciation (3.0% local appreciation)).
• Sebastian County population projected at +7% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($63k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $32k; list at $65k implies a 103% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 8→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $63,050 (3.0% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.56% ✓
• Cap rate: 13.81%
• Cash-on-cash: 26.85%
• DSCR: 2.19
• GRM: 5.4

CMA / ARV

• ARV (on-the-fly): $102,168
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
509 2nd St	0.30mi	2/1.0 (-1)	1,164 (+13%)	18mo	$115,000	$99	45

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: 32.8%
• Equity multiple: 2.85×
• Total profit: $33,751
• Equity at exit: $29,227

10-year hold

• IRR: 33.1%
• Equity multiple: 5.60×
• Total profit: $83,779
• Equity at exit: $45,042

Cash invested: $18,200 (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 72938

• Active inventory: 20
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $1,012 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$25 /mo · $295/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$213
• Net cashflow: $407

Break-even live

Break-even rent $497

Max offer price $65,000

Occupancy floor 55%

Sensitivity live

Price	-10% $444	-5% $426	+0% $407	+5% $389	+10% $370
Rent	-10% $327	-5% $367	+0% $407	+5% $447	+10% $487
Rate	-1.0pp $440	-0.5pp $424	base $407	+0.5pp $390	+1.0pp $373

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-19
   days on market $65,000 Active 52 DOM
2. 2026-06-18
   days on market $65,000 Active 51 DOM
3. 2026-06-17
   days on market $65,000 Active 50 DOM
4. 2026-06-16
   days on market $65,000 Active 49 DOM
5. 2026-06-15
   days on market $65,000 Active 48 DOM
6. 2026-06-14
   days on market $65,000 Active 46 DOM
7. 2026-06-13
   statusdays on market $65,000 Active 45 DOM
8. 2026-06-03
   status $65,000 Pending 43 DOM
9. 2026-06-02
   days on market $65,000 Active 43 DOM
10. 2026-06-01
    days on market $65,000 Active 42 DOM
11. 2026-05-31
    days on market $65,000 Active 41 DOM
12. 2026-05-30
    days on market $65,000 Active 40 DOM
13. 2026-04-20
    listed $65,000 Active
14. 2014-12-23
    soldstatus $32,000

ⓘ 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: $295 · $25/mo
• Projected year-2 tax: $416 · $35/mo
• Expected delta: +$121/yr (+$10/mo · 41.2%)

ⓘ 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 7/10 Severe
• 🌡 Heat 6/10 Major 8 d/yr ≥109°F today · 24 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $12,149
• − Mortgage interest: −$3,641
• − Property taxes: −$295
• − Insurance: −$325
• − Repairs & maintenance: −$972
• − Management: −$972
• − Depreciation: −$1,891
• Taxable income: $4,053
• Est. tax owed @ 24.0%: −$973
• After-tax cash flow: $3,915/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: Hackett School District
• NCES district ID: 0507170
• Math proficiency: 24% ▼ -16.00%
• Reading proficiency: 29% ▼ -17.00%
• Median HH income: $42,751
• Composite: 22.59/100
• National rank: #8071
• State rank: #173 of 238 in AR

Livability — Hartford

• Score: 73/100
• State rank: #19
• US rank: #5529

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hartford, AR
• Population (ZIP): 1,177

Population outlook (Sebastian County) Hauer SSP2

• Today (2025): 133,992 people
• By 2030: 136,620 · +2.0%
• By 2040: 140,832 · +5.1%
• By 2050: 143,301 · +6.9%
• By 2075: 147,964 · +10.4%
• By 2100: 145,848 · +8.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Asian 7% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Portuguese 3% Lithuanian 3% Romanian 2%
• Foreign-born: 0%
• Languages at home: 92% English-only · Other Asian/Pacific 8%

Political lean MEDSL · Sebastian

• 2024 margin: Solid R (+37.5) · D 30.0% · R 67.6% · Other 2.4%
• 2008→2024 swing: -2.9pp toward R · 2008: -34.6pp · 2024: -37.5pp
• All cycles: 2024: R+37.5 2020: R+35.5 2016: R+38.1 2012: R+37.1 2008: R+34.6

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

+103.1% since first listed

2 events — show timeline

• 2026-04-20 Listed $65,000 WRVBOR
• 2014-12-23 Sold (Public Records) $32,000 Public Records

Property tax history

-0.2%/yr

Latest (2025): $295 · +10.0% YoY. Source: county tax records.