Score
0Kanab, UT
95 S White Oak St
399K
1 beds
1 baths
270 sqft
1 bd • 1 ba • 270 sf
This analysis was generated on 1/25/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
AI Property Analysis
0:000:00 / 0:00
List Price
$399,000
Price/Sq.Ft
$1,478
Year Built
2018
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
• Exceptional Location: The property is located 20 minutes from the East entrance of Zion National Park and within walking distance to multiple trailheads. This proximity drives strong short-term rental demand, as evidenced by its current success as an Airbnb.
• Large 2.56-Acre Lot: Land parcels of this size near Zion are scarce, providing both privacy and expansion opportunities. Most cabins in the area are on lots under 1 acre.
• High Airbnb Revenue Potential: Similar cabins near Zion average $175-$225 per night with approximately 60% occupancy. This could generate an annual gross income between $38,000 and $49,000, which is significantly higher than the area's average of $28,000 for single-unit properties.
• Minimal Flood and Wind Risk: The property has a flood risk score of 1/10 and a wind risk score of 1/10. This translates to lower insurance costs compared to properties in higher-risk zones. The average flood risk in surrounding areas is around 3/10.
• Future Water System Hookup: The upcoming neighborhood water system, scheduled for completion next year, will significantly improve the property’s functionality. The existing water hookup credit, valued at $48,000, is a substantial financial advantage.
• Recent Construction: Built in 2018, the modern infrastructure (power, septic, 500-gallon propane tank) means lower maintenance costs compared to older cabins in the area, many of which were built in the 1990s or earlier.
The Bad
• High Price per Square Foot: The price of $1,477.78/sqft is significantly higher than the Kanab average of $250-$350/sqft. While the 2.56-acre lot inflates the overall value, the cost may deter most single-family home buyers.
• Limited Interior Space: The cabin’s 270 sqft is 80-90% smaller than the average Kanab single-family home (1,500+ sqft). This limits the appeal to those comfortable with tiny-home living.
• Long Days on Market: The property’s 151 days on the market is longer than the local average of 60-90 days for competitively priced properties. This can indicate either a niche market or concerns over pricing.
• Reliance on Hauled Water: Until the new neighborhood water system is operational, hauling water is an added cost and logistical effort. Any delays in the new system’s completion would continue this inconvenience.
• Unclear HOA Details: The HOA includes trash removal, but there is no disclosed HOA fee. If fees are introduced or increased when the water system and neighborhood amenities expand, the monthly carrying costs will rise.
The Ugly
• Severe Fire Risk (8/10): Properties near Ponderosa pines face significant wildfire exposure, leading to high insurance premiums (20-40% above the standard rate) and potential mitigation costs. The estimated insurance of $1,436/year reflects this elevated risk.
• High Monthly Ownership Costs: With a 20% down payment and a ~7% interest rate, the monthly mortgage could be ~$2,300. Adding ~$120/month for insurance and ~$150/month for property taxes results in total monthly costs of ~$2,570+. This does not include water hauling, maintenance, or potential HOA fees, resulting in a high cost-to-size ratio.
• Limited Standard HVAC: The cabin relies on propane heaters and window units. During extreme weather, supplemental climate control systems may be needed, costing $3,000-$5,000 for mini-split systems.
• Complex Zoning/Expansion: Adding structures may require county permits and compliance with local guidelines. If expansions are not in line with codes, development plans could be stalled.
Who is this property for?
These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.
Best For
• Short-Term Rental Investors: The property's proximity to Zion National Park and its existing Airbnb success make it ideal for investors seeking high nightly rates and occupancy. Comparable cabins in the area yield $175-$225/night at approximately 60% occupancy, which could generate a gross annual income of $38,000-$49,000. This is significantly higher than the average single-unit short-term rental in Kanab, which is around $28,000 per year.
• Nature Enthusiasts and Adventurous Buyers: The property’s location, within walking distance to multiple trailheads, and the secluded feel cater to buyers looking for a minimal footprint and immersive outdoor experience. The existing infrastructure (septic, propane, etc.) makes it a good option for those seeking a semi-off-grid lifestyle.
• Buyers with a Household Income of $90,000+: Given the high monthly ownership costs (estimated at $2,570+ including mortgage, taxes, and insurance), this property is suitable for buyers with a strong financial capacity who can maintain this expense without exceeding a 33% debt-to-income ratio.
• Potential Owner-Operators: The second lot tee and water hookup credit (valued at $48,000) provide an opportunity for future expansion. This could involve adding another cabin or expanding the existing one to further capitalize on the growing tourism sector around Zion.
Not For
• Buyers Requiring Conventional Living Space: The 270 sqft cabin is not suited for families or those who need multiple bedrooms and spacious interiors. This is significantly smaller than the average Kanab single-family home, which typically exceeds 1,500 sqft.
• Budget-Conscious Purchasers: The price per square foot ($1,477.78) is much higher than the Kanab average ($250-$350/sqft), and the monthly carrying costs are also high. Buyers with incomes under $90,000 may find this property financially burdensome.
• Risk-Averse Buyers: The severe fire risk (8/10) and the current need to haul water create uncertainties that may deter buyers who prefer a more predictable and less risky property.
• Residents Seeking Urban Amenities: The remote location and distance from major retail, healthcare, and entertainment facilities make this property unsuitable for those who prefer an urban lifestyle.
Demographics
Area Median Income
$0
Property History
Price History
Ownership Timeline
Property Taxes
$376
2023 Tax Assessment
34.3%from previous year
Assessed Value$57,480
Tax Rate0.65%
Sunlight Analysis
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Sunlight Analysis
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Schools
Nearby school quality by education level
Middle
4.0/10
AverageFinancials
Monthly Costs
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