330 E Stewart Dr · Pueblo West, CO 81007

$254,900

3 bd · 2.0 ba · 1,653 sqft · Manufactured public records · 38 Days on market

Built 1997 9,104 sqft lot Est $238k · 7% over

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Why this score? — see what drove the F 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 +12.8/30.0
• ARV discount +4.3/15.0
• DSCR +3.8/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• 1% rule +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

BANK OWNED "SOLD AS IS". PRE-QUAL TO ACCOMPANY ALL OFFERS. BUYER TO EXECUTE A WAIVER & RELEASE BEFORE CLOSING CAN OCCUR. BEEN WATCHING HOME IMPROVEMENT SHOWS? HERE'S YOUR CHANCE TO PUT YOUR HANDYMAN SKILLS TO WORK.

Key facts

• Bright living space
• Open-concept flow
• Ample cabinetry

Tags

• SINGLE-LEVEL HOME
• BRIGHT LIVING SPACE
• OPEN-CONCEPT FLOW
• AMPLE CABINETRY
• GENEROUS COUNTER SPACE
• PRIMARY SUITE

Property features AI

Finance

• HOA & community: No association amenities

Exterior

• Parking: No garage; Carport; Detached carport
• Security: Smoke detectors
• Utilities: Public water; Public sewer
• Home design: Manufactured home (residential); Single-story entry (above-grade living area noted)
• Construction: Frame construction; Composition roof
• Exterior features: Deck; Shed; Corner lot

Interior

• Kitchen: Includes dishwasher and refrigerator
• Bedrooms: 4 bedrooms on the main level
• Flooring: Laminate flooring; Carpet
• Bathrooms: 2 full bathrooms on the main level
• Heating & cooling: Natural gas forced-air heating; Ceiling fans; Evaporative cooling
• Interior features: Ceiling fans; Vaulted ceilings; Master bedroom on main level; Double-pane windows; Dishwasher; Refrigerator
• Laundry & utility: Laundry on the main level

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $255k.

Deal economics

• At list price, monthly cash flow is $-24 ($-282/yr) — negative.
• To cash-flow at today's rent, offer at most $251k (1.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $197k (22.6% below list).
• Recommended offer: $197k (22.6% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 3.6% in Pueblo West — 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 63/100 on livability (#189 in CO) — a middle-class / working-renter tenant base. Strengths: housing A+, employment B+; Watch: health & safety C-, schools D+, crime F.
• Pueblo County School District 70 (suburban): math 24% / reading 43% proficiency, ranked #40 of 86 in CO (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.1%/yr); 633 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 269 units permitted in Pueblo County in 2024 (0 in 5+ unit buildings).

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.
• Pueblo County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($247k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 22y 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.
• Current owner paid $64k; list at $255k implies a 298% 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 $197,277 (22.6% 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. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. 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?
7. 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.
8. 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.
9. 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: 0.77% ✗
• Cap rate: 6.18%
• Cash-on-cash: -0.40%
• DSCR: 0.98
• GRM: 10.8

CMA / ARV

• ARV (on-the-fly): $238,032
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
361 E Cellini Dr	0.25mi	3/2.0	1,568 (-5%)	1mo	$265,000	$169	79
298 E Stewart Dr	0.10mi	3/2.0	1,596 (-3%)	21mo	$259,900	$163	72
240 E Dawnview Dr	0.47mi	3/2.0	1,578 (-4%)	1mo	$172,900	$110	70
982 S Dante Dr	0.61mi	3/2.0	1,596 (-3%)	4mo	$220,000	$138	62
382 E Stewart Dr	0.14mi	3/2.0	1,493 (-10%)	22mo	$300,000	$201	59
757 S Walton Dr	0.37mi	3/2.0	1,596 (-3%)	22mo	$230,000	$144	59
88 E Hemlock Dr	0.42mi	4/3.0 (+1)	1,536 (-7%)	1mo	$273,000	$178	59
857 S Saki Dr	0.40mi	4/2.0 (+1)	1,701 (+3%)	17mo	$215,000	$126	57
880 S Dante Dr	0.44mi	3/2.0	1,482 (-10%)	6mo	$90,000	$61	57
813 S Frost Dr	0.25mi	4/2.0 (+1)	1,456 (-12%)	12mo	$300,000	$206	54
978 S Saddlerock Dr	0.53mi	3/2.0	1,860 (+12%)	2mo	$259,000	$139	53
1047 S Saddlerock Dr	0.56mi	3/2.0	1,728 (+4%)	21mo	$225,000	$130	49

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -20.1%
• Equity multiple: 0.32×
• Total profit: $-48,666
• Equity at exit: $38,006

10-year hold

• IRR: -20.4%
• Equity multiple: 0.06×
• Total profit: $-66,978
• Equity at exit: $22,039

Cash invested: $71,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 38 Tenant-Leaning
• State Colorado: 38 Tenant-Leaning · D+4
• County: — inherits STATE
• City: — inherits STATE

2023 reforms: 10-day cure, mandated notice, source-of-income protected. Courts backlogged in Denver.

Methodology + full state rankings →

ZIP-level market 81007

• Home prices YoY: -22.9%
• Rents YoY: -0.1%
• Active inventory: 633
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $1,973 high
• Mortgage (P&I): −$1,337
• Tax from tax record: −$139 /mo · $1,669/yr
• Insurance: −$106
• HOA: −$0
• Vacancy / Maint / Mgmt: −$414
• Net cashflow: $-24

Break-even live

Break-even rent $2,003

Max offer price $250,742

Occupancy floor 96%

Sensitivity live

Price	-10% $121	-5% $49	+0% $-24	+5% $-96	+10% $-168
Rent	-10% $-179	-5% $-101	+0% $-24	+5% $54	+10% $132
Rate	-1.0pp $105	-0.5pp $41	base $-24	+0.5pp $-90	+1.0pp $-157

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: $63,725
• Closing costs: $7,647
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
343 E Bond Ct Pueblo, CO	4.0	3.0	1149	$2,300	$2.00	21d	1	0.32mi
98 E Byrd Dr Pueblo, CO	3.0	2.0	1140	$1,515	$1.33	13d	1	0.32mi
662 S Burro Dr Pueblo, CO	3.0	2.5	1248	$2,100	$1.68	13d	1	0.39mi
771 S Sterling Dr Pueblo, CO	3.0	2.0	1129	$1,620	$1.43	13d	1	0.74mi
82 W Baldwyn Dr #88 Pueblo, CO	3.0	2.0	1100	$1,700	$1.55	13d	1	1.14mi
82 W Baldwyn Dr Unit 86 Pueblo West, CO	3.0	2.0	1100	$1,700	$1.55	21d	1	1.14mi
228 W Palomar Plz Pueblo, CO	2.0	2.0	1358	$1,850	$1.36	13d	1	1.19mi
692 E Hahns Peak Ave Pueblo West, CO	3.0	2.0	1100	$2,000	$1.82	13d	1	1.25mi
690 E Hahns Peak Ave Pueblo, CO	3.0	2.0	1100	$2,000	$1.82	13d	1	1.25mi
251 W Acorn Dr Unit 251 Pueblo West, CO	3.0	2.0	1500	$2,050	$1.37	13d	1	1.38mi
241 W Laurue Ln Pueblo West, CO	3.0	2.0	1484	$2,200	$1.48	13d	1	1.39mi
230 W Elbow Dr Unit 228 Pueblo, CO	3.0	2.5	1427	$2,025	$1.42	13d	1	1.41mi

Listing history 22 events

1. 2026-06-19
   days on market $254,900 Active 38 DOM
2. 2026-06-18
   days on market $254,900 Active 37 DOM
3. 2026-06-17
   days on market $254,900 Active 36 DOM
4. 2026-06-16
   days on market $254,900 Active 35 DOM
5. 2026-06-15
   days on market $254,900 Active 34 DOM
6. 2026-06-14
   days on market $254,900 Active 32 DOM
7. 2026-06-13
   days on market $254,900 Active 31 DOM
8. 2026-06-10
   days on market $254,900 Active 29 DOM
9. 2026-06-09
   days on market $254,900 Active 28 DOM
10. 2026-06-08
    days on market $254,900 Active 27 DOM
11. 2026-06-07
    days on market $254,900 Active 26 DOM
12. 2026-06-05
    pricedays on market $254,900 Active 23 DOM
13. 2026-06-03
    days on market $259,900 Active 22 DOM
14. 2026-06-02
    days on market $259,900 Active 21 DOM
15. 2026-06-01
    days on market $259,900 Active 20 DOM
16. 2026-05-31
    days on market $259,900 Active 19 DOM
17. 2026-05-30
    days on market $259,900 Active 18 DOM
18. 2026-05-12
    listed $259,900 Active
19. 2004-11-19
    soldstatus $64,000
20. 2004-11-16
    soldstatus $38,000 230-char remark

    Show marketing remark (230 chars)

    BANK OWNED "SOLD AS IS". PRE-QUAL TO ACCOMPANY ALL OFFERS. BUYER TO EXECUTE A WAIVER & RELEASE BEFORE CLOSING CAN OCCUR. BEEN WATCHING HOME IMPROVEMENT SHOWS? HERE'S YOUR CHANCE TO PUT YOUR HANDYMAN SKILLS TO WORK.

21. 2004-08-25
    listed $42,900 230-char remark

    Show marketing remark (230 chars)

    BANK OWNED "SOLD AS IS". PRE-QUAL TO ACCOMPANY ALL OFFERS. BUYER TO EXECUTE A WAIVER & RELEASE BEFORE CLOSING CAN OCCUR. BEEN WATCHING HOME IMPROVEMENT SHOWS? HERE'S YOUR CHANCE TO PUT YOUR HANDYMAN SKILLS TO WORK.

22. 1997-06-05
    soldstatus $17,000

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

Tax reassessment forecast CO · Resets to sale price

• Current annual tax: $1,669 · $139/mo
• Projected year-2 tax: $1,669 · $139/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate 6 d/yr ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,673
• − Mortgage interest: −$14,278
• − Property taxes: −$1,669
• − Insurance: −$1,274
• − Repairs & maintenance: −$1,894
• − Management: −$1,894
• − Depreciation: −$7,415
• Taxable loss: −$4,752
• Est. tax savings @ 24.0%: +$1,140
• After-tax cash flow: $858/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: Pueblo County School District 70
• NCES district ID: 0806150
• Math proficiency: 24% ▼ -4.00%
• Reading proficiency: 43% ▼ -2.00%
• Median HH income: $59,438
• Composite: 29.93/100
• National rank: #6381
• State rank: #40 of 86 in CO

Livability — Pueblo West

• Score: 63/100
• State rank: #189
• US rank: #15760

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pueblo West, CO
• County: Pueblo County · 151,887 people
• Metro: Pueblo, CO
• Population (ZIP): 35,690
• Household income: $96,713
• Rent vs Own: 12.7% rent · 87.3% own
• Severe rent burden: 353.0

Population outlook (Pueblo County) Hauer SSP2

• Today (2025): 173,240 people
• By 2030: 177,716 · +2.6%
• By 2040: 185,125 · +6.9%
• By 2050: 190,642 · +10.0%
• By 2075: 201,611 · +16.4%
• By 2100: 196,443 · +13.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (65%)
• Race & ethnicity: White 65% Hispanic / Latino 29% Two or more races 11% Asian 1% Black 1%
• Hispanic origin (detail): Mexican 19%
• Common ancestry: Romanian 2% Lithuanian 2% Italian 2%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 7%

Political lean MEDSL · Pueblo

• 2024 margin: Lean R (+5.1) · D 46.2% · R 51.3% · Other 2.5%
• 2008→2024 swing: -20.1pp toward R · 2008: 15.0pp · 2024: -5.1pp
• All cycles: 2024: R+5.1 2020: D+1.7 2016: D+0.3 2012: D+13.1 2008: D+15.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -82.80%
• Current HPI: 279.191
• Rent YoY: ▼ -0.10%
• Metro: Pueblo, CO
• State GDP YoY: ▲ 1.95%
• F500 in state: 14

Industry mix (Fortune 500 HQ in CO)

Industry	F500 HQs	Revenue
▸Technology Distribution	1	$31B
▸Food / Agriculture	1	$18B
▸Packaging	1	$14B
▸Healthcare	1	$13B
▸Energy	1	$10B
▸Technology	1	$4B

Price history

+1428.8% since first listed

5 events — show timeline

• 2026-05-12 Listed $259,900 PARMLS
• 2004-11-19 Sold (Public Records) $64,000 Public Records
• 2004-11-16 Sold (MLS) $38,000 PARMLS
• 2004-08-25 Listed $42,900 PARMLS
• 1997-06-05 Sold (Public Records) $17,000 Public Records

Property tax history

+11.1%/yr

Latest (2025): $1,669 · +36.3% YoY. Source: county tax records.