352 W Roosevelt Ave · Coolidge, AZ 85128

$119,900

4 bd · 2.0 ba · 1,440 sqft · SingleFamily public records · 123 Days on market

Built 1953 7,002 sqft lot $83/sqft · 53% below area ↓ 17% since listing

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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
• DSCR +10.0/10.0
• 1% rule +9.9/10.0
• ARV discount +7.5/15.0
• Livability +2.9/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This property is now under auction terms. All bids must be submitted using the auction via the property 's listing page at servicelinkauction This sale is subject to a 5% or $2500 minimum buyer's premium pursuant to the auction Terms and Conditions. All bids will be subject to seller approval (minimums may apply)

Key facts

• 7,002 sq ft lot
• Garage
• Built 1953

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $697 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.3% vs local median 4.5% in Coolidge — 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 57/100 on livability (#235 in AZ) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D, schools F, amenities F.
• Coolidge Unified District (4442) (town): math 8% / reading 14% proficiency, ranked #229 of 249 in AZ (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 260 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 47% of comp listings sitting > 30 days — soft ceiling on asking rent; 9,504 units permitted in Pinal County in 2024 (776 in 5+ unit buildings).
• This rent runs 33% of the median local income ($65k/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 $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 1.0% rent growth), your $34k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 123 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 6y ago; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major 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 $105,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 123 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.49% ✓
• Cap rate: 13.27%
• Cash-on-cash: 24.90%
• DSCR: 2.11
• GRM: 5.6

CMA / ARV

• ARV (median comp): $252,450
• List price: $119,900
• Delta: -52.51%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
352 W Roosevelt Ave	0.00mi	4/2.0	1,440 (0%)	1mo	$90,825	$63	99
318 W Roosevelt Ave	0.04mi	3/2.0 (-1)	1,444 (+0%)	2mo	$279,000	$193	91
232 W Lincoln Ave	0.30mi	4/3.0	1,456 (+1%)	2mo	$249,900	$172	79
554 W Lincoln Ave	0.39mi	4/2.0	1,393 (-3%)	3mo	$292,000	$210	74
541 W Roosevelt Ave	0.26mi	3/2.0 (-1)	1,328 (-8%)	6mo	$255,000	$192	65
411 W Bealey Ave	0.55mi	3/2.0 (-1)	1,408 (-2%)	3mo	$230,000	$163	63
730 W Central Ave	0.47mi	3/2.0 (-1)	1,513 (+5%)	3mo	$220,000	$145	62
461 W Lindbergh Ave	0.35mi	3/2.0 (-1)	1,565 (+9%)	4mo	$319,000	$204	61
535 W Lincoln Ave	0.40mi	3/2.0 (-1)	1,282 (-11%)	0mo	$80,000	$62	58
360 W Bealey Ave	0.57mi	3/2.0 (-1)	1,332 (-8%)	2mo	$255,000	$191	54
591 W Central Ave	0.30mi	3/1.0 (-1)	1,637 (+14%)	2mo	$275,000	$168	52
334 E Central Ave	0.50mi	3/1.0 (-1)	1,305 (-9%)	2mo	$200,000	$153	50

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 · 0.97% rent growth · sell at horizon

5-year hold

• IRR: 16.2%
• Equity multiple: 1.64×
• Total profit: $21,324
• Equity at exit: $17,877

10-year hold

• IRR: 23.3%
• Equity multiple: 2.83×
• Total profit: $61,449
• Equity at exit: $10,367

Cash invested: $33,572 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Arizona: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

5-day pay-or-quit; AZ courts known for speed; no state rent control; cities preempted by state law.

Methodology + full state rankings →

ZIP-level market 85128

• Home prices YoY: -7.9%
• Rents YoY: 1.0%
• Active inventory: 260
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,784 high
• Mortgage (P&I): −$629
• Tax from tax record: −$34 /mo · $412/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$375
• Net cashflow: $697

Break-even live

Break-even rent $903

Max offer price $119,900

Occupancy floor 56%

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
144 W Lincoln Ave Coolidge, AZ	3.0	2.0	1125	$1,299	$1.15	4d	1	0.37mi
393 W Seagoe Ave Unit B Coolidge, AZ	3.0	2.0	1030	$1,250	$1.21	44d	1	0.41mi
232 W Elm Ave Unit B Coolidge, AZ	4.0	2.5	1452	$1,350	$0.93	44d	1	0.46mi
311 W Bealey Ave Coolidge, AZ	3.0	1.5	1000	$1,250	$1.25	20d	1	0.54mi
392 E Dirkley Ave Coolidge, AZ	4.0	2.5	1440	$1,700	$1.18	44d	1	0.59mi
611 W Verde Ln Coolidge, AZ	3.0	2.0	1681	$1,395	$0.83	44d	1	0.70mi
940 N Sonora St Coolidge, AZ	3.0	2.0	1290	$1,500	$1.16	44d	1	0.76mi
903 N California St Coolidge, AZ	2.0–4.0	1.0–2.0	979	$1,950	$1.99	5d	1	0.85mi
903 N California St Coolidge, AZ	2.0–4.0	1.0–2.0	979	$1,950	$1.99	17d	8	0.85mi
1224 N Palm Ln Coolidge, AZ	4.0	2.0	1280	$1,800	$1.41	20d	1	0.88mi
816 W Mid Way St Coolidge, AZ	3.0	2.0	1448	$1,600	$1.10	24d	1	0.89mi
1211 W Wilson Ave Coolidge, AZ	3.0	2.0	1543	$1,625	$1.05	44d	1	0.99mi
342 W Taylor Ave Coolidge, AZ	3.0	1.5	1008	$1,500	$1.49	44d	1	1.01mi
1204 W Prior Ave Coolidge, AZ	3.0	2.0	1280	$1,595	$1.25	44d	1	1.06mi
1081 W Palo Verde Ave Coolidge, AZ	4.0	2.0	1517	$1,750	$1.15	5d	1	1.07mi
1019 W Hess Ave Coolidge, AZ	4.0	2.0	1590	$1,700	$1.07	44d	1	1.07mi
1505 S Navajo Ln Coolidge, AZ	3.0	2.5	1743	$1,700	$0.98	44d	1	1.10mi
1660 S Wooten St Coolidge, AZ	3.0	2.5	1385	$1,500	$1.08	5d	1	1.12mi
1105 N Cota Ln Coolidge, AZ	3.0	1.5	1321	$2,500	$1.89	44d	1	1.13mi
1286 W Roosevelt Ave Coolidge, AZ	4.0	2.0	1604	$1,649	$1.03	20d	1	1.14mi
1209 W Seagoe Ave Coolidge, AZ	4.0	2.0	1608	$1,695	$1.05	44d	1	1.16mi
144 W Douglas Ave Coolidge, AZ	4.0	2.0	1801	$1,639	$0.91	4d	1	1.16mi
227 W Douglas Ave Coolidge, AZ	3.0	2.0	1202	$1,595	$1.33	44d	1	1.18mi
1824 S Wooten St Coolidge, AZ	3.0	2.5	1621	$1,575	$0.97	5d	1	1.19mi
961 W Toltec Dr Coolidge, AZ	4.0	2.0	1467	$1,495	$1.02	24d	1	1.20mi
131 E Patton Ave Coolidge, AZ	4.0	2.0	1221	$2,200	$1.80	44d	1	1.27mi
651 N 13th Pl Coolidge, AZ	4.0	2.5	1858	$2,300	$1.24	5d	1	1.27mi
1304 W Byrd Ave Coolidge, AZ	4.0	2.0	1775	$1,725	$0.97	20d	1	1.27mi
1304 W Byrd Ave Coolidge, AZ	4.0	2.0	1775	$1,725	$0.97	24d	1	1.27mi
1451 W Pinkley Ave Coolidge, AZ	3.0	2.0	1490	$1,600	$1.07	18d	1	1.35mi
203 S 16th St Coolidge, AZ	3.0	2.5	1389	$1,550	$1.12	24d	1	1.44mi
1330 W Hess Ave Coolidge, AZ	4.0	2.0	1787	$1,795	$1.00	44d	1	1.45mi

Listing history 23 events

1. 2026-05-06
   status Active 317-char remark

   Show marketing remark (317 chars)

   This property is now under auction terms. All bids must be submitted using the auction via the property 's listing page at servicelinkauction This sale is subject to a 5% or $2500 minimum buyer's premium pursuant to the auction Terms and Conditions. All bids will be subject to seller approval (minimums may apply)

2. 2026-04-24
   historical Under Contract Accepting Backups 317-char remark

   Show marketing remark (317 chars)

   This property is now under auction terms. All bids must be submitted using the auction via the property 's listing page at servicelinkauction This sale is subject to a 5% or $2500 minimum buyer's premium pursuant to the auction Terms and Conditions. All bids will be subject to seller approval (minimums may apply)

3. 2026-02-18
   price $119,900 317-char remark

   Show marketing remark (317 chars)

   This property is now under auction terms. All bids must be submitted using the auction via the property 's listing page at servicelinkauction This sale is subject to a 5% or $2500 minimum buyer's premium pursuant to the auction Terms and Conditions. All bids will be subject to seller approval (minimums may apply)

4. 2026-01-17
   listed $129,900 Active 317-char remark

   Show marketing remark (317 chars)

   This property is now under auction terms. All bids must be submitted using the auction via the property 's listing page at servicelinkauction This sale is subject to a 5% or $2500 minimum buyer's premium pursuant to the auction Terms and Conditions. All bids will be subject to seller approval (minimums may apply)

5. 2025-12-26
   historical
6. 2025-09-11
   status Active
7. 2025-09-06
   historical Under Contract Accepting Backups
8. 2025-09-06
   listed $150,000 Active
9. 2025-07-23
   historical Under Contract Accepting Backups
10. 2025-07-14
    status Active
11. 2025-06-28
    historical Under Contract Accepting Backups
12. 2025-06-24
    status Active
13. 2025-06-20
    historical Under Contract Accepting Backups
14. 2025-06-03
    price $150,000
15. 2025-05-14
    price $160,000
16. 2025-05-07
    status Active
17. 2025-05-05
    historical Under Contract Accepting Backups
18. 2025-04-15
    listed $175,000 Active
19. 2020-08-07
    soldstatus $142,000 Closed
20. 2020-08-07
    soldstatus $142,000
21. 2020-06-13
    historical Contract Contingent on Buyer Sale
22. 2020-06-11
    price $140,000
23. 2020-05-29
    listed $145,000 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 AZ · Resets to sale price

• Current annual tax: $412 · $34/mo
• Projected year-2 tax: $791 · $66/mo
• Expected delta: +$379/yr (+$32/mo · 92.1%)

ⓘ 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 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥113°F today · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,413
• − Mortgage interest: −$6,716
• − Property taxes: −$412
• − Insurance: −$600
• − Repairs & maintenance: −$1,713
• − Management: −$1,713
• − Depreciation: −$3,488
• Taxable income: $6,771
• Est. tax owed @ 24.0%: −$1,625
• After-tax cash flow: $6,735/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: Coolidge Unified District (4442)
• NCES district ID: 0402320
• Math proficiency: 8% ▼ -6.00%
• Reading proficiency: 14% ▼ -2.00%
• Median HH income: $49,182
• Composite: 10.35/100
• National rank: #9787
• State rank: #229 of 249 in AZ

Livability — Coolidge

• Score: 57/100
• State rank: #235
• US rank: #22344

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Coolidge, AZ
• County: Pinal County · 399,947 people
• City population: 19,487
• Metro: Phoenix-Mesa-Chandler, AZ
• Population (ZIP): 19,487
• Household income: $65,477
• Rent vs Own: 26.0% rent · 74.0% own
• Severe rent burden: 264.0

Population outlook (Pinal County) Hauer SSP2

• Today (2025): 437,574 people
• By 2030: 446,903 · +2.1%
• By 2040: 452,589 · +3.4%
• By 2050: 444,126 · +1.5%
• By 2075: 430,300 · -1.7%
• By 2100: 393,536 · -10.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Hispanic / Latino 52% White 29% Two or more races 22% Native American 17% Black 4%
• Hispanic origin (detail): Mexican 49%
• Common ancestry: Lithuanian 1% Portuguese 1% Serbian 1%
• Foreign-born: 9% · Canada
• Languages at home: 71% English-only · Spanish 25% Other Indo-European 1%

Political lean MEDSL · Pinal

• 2024 margin: Strong R (+22.1) · D 38.5% · R 60.6%
• 2008→2024 swing: -7.6pp toward R · 2008: -14.5pp · 2024: -22.1pp
• All cycles: 2024: R+22.1 2020: R+17.3 2016: R+19.3 2012: R+17.1 2008: R+14.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -23.95%
• Current HPI: 280.3422
• Rent YoY: ▲ 0.97%
• Metro: Phoenix-Mesa-Chandler, AZ
• State GDP YoY: ▲ 4.54%
• F500 in state: 20

Industry mix (Fortune 500 HQ in AZ)

Industry	F500 HQs	Revenue
▸Technology	2	$13B
▸Mining / Metals	1	$23B
▸Environmental Services	1	$16B
▸Metals / Steel	1	$14B
▸Technology Distribution	1	$9B
▸Homebuilding	1	$8B

Price history

-17.3% since first listed

23 events — show timeline

• 2026-05-06 Relisted — ARMLS
• 2026-04-24 Contingent — ARMLS
• 2026-02-18 Price Changed $119,900 ARMLS
• 2026-01-17 Listed $129,900 ARMLS
• 2025-12-26 Listing Removed — ARMLS
• 2025-09-11 Relisted — ARMLS
• 2025-09-06 Contingent — ARMLS
• 2025-09-06 Listed $150,000 ARMLS
• 2025-07-23 Contingent — ARMLS
• 2025-07-14 Relisted — ARMLS
• 2025-06-28 Contingent — ARMLS
• 2025-06-24 Relisted — ARMLS
• 2025-06-20 Contingent — ARMLS
• 2025-06-03 Price Changed $150,000 ARMLS
• 2025-05-14 Price Changed $160,000 ARMLS
• 2025-05-07 Relisted — ARMLS
• 2025-05-05 Contingent — ARMLS
• 2025-04-15 Listed $175,000 ARMLS
• 2020-08-07 Sold (Public Records) $142,000 Public Records
• 2020-08-07 Sold (MLS) $142,000 ARMLS
• 2020-06-13 Contingent — ARMLS
• 2020-06-11 Price Changed $140,000 ARMLS
• 2020-05-29 Listed $145,000 ARMLS

Property tax history

+7.2%/yr

Latest (2025): $412 · +5.0% YoY. Source: county tax records.