Parcela — Address Intelligence Report

Overview

Executive Summary

123 Main St, Denver, CO 80203 presents a broadly favorable risk profile for renters, buyers, and investors seeking an urban Denver location. The property sits outside any FEMA flood hazard zone — a meaningful advantage in a city where flood insurance requirements can add hundreds of dollars annually to housing costs.

The neighborhood offers exceptional walkability (8/10, well above average), a young and educated demographic mix, and convenient access to transit, groceries, restaurants, and healthcare. Air quality is Good (AQI 42) and wildfire risk is low, as expected for an established urban neighborhood.

The main watchpoints are county-level crime rates that run above national averages, and one EPA-listed legacy remediation site within 1 mile. Neither is unusual for a major urban core, but both warrant awareness. The investment fundamentals are solid: rent burden, price-to-rent ratio, and HUD fair market rents all point to sustained rental demand.

Top Strengths

+ Minimal flood risk — Zone X, no FEMA SFHA designation, flood insurance not required
+ Exceptional walkability (8/10) — grocery, transit, cafes, and parks all within 0.3 miles
+ Good air quality (AQI 42) — well within EPA healthy range
+ Low wildfire risk for investors and renters seeking climate-resilient locations
+ Highly educated, young demographic area with strong rental demand fundamentals

Key Risks

- County violent crime rate (842/100k) above national average (380/100k) — typical urban core
- One EPA-listed legacy site within 1 mile — confirm remediation status with EPA
- Moderate seismic risk (SDC C) — review building construction year and retrofit history
- 62% renter rate indicates high-turnover area — verify landlord history and lease terms

71/100

Good — Parcela Score

Based on 6 of 6 available data points

Factor	Value	Points	Max
Flood Risk	Zone X — Minimal	20	20
Seismic Risk	SDC C — Moderate	10	20
EPA Hazards	1 site within 1mi	10	15
Air Quality	AQI 42 — Good	15	15
Crime Score	64/100 — Moderate	10	15
Walkability	8/10 — Very Walkable	15	15

Score Guide: 70–100 Good 50–69 Fair 0–49 Poor Higher = lower overall risk. Score only shown when 3+ data sources available.

Environmental & Hazard Assessment

FLOOD

Flood Risk

Minimal Flood Risk

Zone X

Outside the 500-year floodplain. Flood insurance generally not required for federally-backed mortgages.

SEISMIC

Seismic Risk

Moderate

SDC C

Moderate seismic risk. Enhanced structural requirements apply under ASCE 7-22.

Peak ground accel: 0.312g

TOXICS

EPA Hazards

1 Site Nearby

1 historical SEMS site(s) within 1 mile:

• Denver Radium Site (historical)

AIR

Air Quality

Good

AQI ~42 · PM2.5: 8.2 µg/m³

Nearest monitoring station: Denver - South Broadway (1.4km away).

FIRE

Wildfire Risk

Low Wildfire Risk

WHP Score 2/7

USFS Wildfire Hazard Potential for this location.

This property sits in a minimal flood risk zone (Zone X) — flood insurance is typically not required for federally-backed mortgages, a meaningful financial advantage. Seismic risk is moderate (SDC C), common for Denver's Front Range; standard enhanced structural requirements apply. Air quality is Good (AQI 42), well within healthy ranges. One EPA-listed legacy cleanup site exists within 1 mile (Denver Radium Site) — it has been remediated but buyers should confirm current EPA status. Wildfire risk is low, as expected for an urban Denver location.

Sources: FEMA NFHL, USGS Seismic Design Maps (ASCE 7-22, site class D assumed — actual site class may vary), EPA FRS/SEMS + CERCLIS NPL, OpenAQ, USFS Wildfire Hazard Potential

Neighborhood Demographics

Denver's Capitol Hill neighborhood blends historic character with a young, educated population — a magnet for urban professionals and creatives. The area has undergone significant gentrification since 2010, reflected in rising home values and a highly educated resident base.

$68,420

Median Household Income

vs. $75k national avg

$385,000

Median Home Value

vs. $310k national avg

4,812

Census Tract Population

34.2

Median Age

vs. 38.8 national avg

62%

Renter Occupied

vs. 36% national avg

58%

Bachelor's Degree+

vs. 35% national avg

Income vs National Avg

This area: $68,420

National avg: $75,000

Renter vs Owner Occupied

Renters: 62% · Owners: 38%

Renter Owner

Education Level

Bachelor's+: 58% vs 35% national avg

Home Value vs National Avg

This area: $385,000

National avg: $310,000

This census tract skews young (median age 34.2 vs. 38.8 nationally) and highly educated (58% hold a bachelor's degree vs. 35% nationally), typical of Denver's urban core. Median household income of $68,420 sits near the national average ($75k), though the 62% renter rate reflects the neighborhood's urban rental character. Median home value of $385,000 is above the national average ($310k), reflecting Denver's competitive housing market.

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates (2022 vintage) · National averages: U.S. Census Bureau · Note: Data reflects 2022 estimates; conditions in rapidly changing markets may differ.

Location & Walkability

8 /10

Very Walkable

vs. 4/10 national avg

With a walkability score of 8/10 — well above the national average of 4/10 — this address is genuinely car-optional for daily errands. A grocery store is just 0.3 miles away, transit stops are dense (8 within half a mile), and Denver Health Medical Center is under a mile out. Over 24 restaurants and 9 cafes sit within half a mile, making this one of Denver's most walkable urban neighborhoods.

Category	Nearest	Distance	Within ½ mi	Within 1 mi
Grocery	King Soopers	0.3 mi	2	5
Restaurants	Steuben's Food Service	0.2 mi	24	61
Cafes	Huckleberry Roasters	0.1 mi	9	23
Transit	Colfax & Speer	0.1 mi	8	22
Medical	Denver Health Medical Center	0.8 mi	0	2
Schools	West High School	0.5 mi	1	4
Parks	Sunken Gardens Park	0.2 mi	3	9
Bars/Pubs	The Church Nightclub	0.3 mi	11	34

Source: OpenStreetMap contributors, Overpass API · Walkability score based on amenity density within ½ mile · OSM coverage and accuracy varies by location — verify key amenities independently.

Safety Context

64

/100

Moderate Safety

Neighborhood safety score (1-100). Higher scores indicate safer areas.

The neighborhood safety score of 64/100 reflects a moderately safe urban environment typical of Denver's Capitol Hill area. County-level violent crime rates (842 per 100k) run above the national average (380 per 100k), consistent with a dense urban core. Property crime rates are similarly elevated. While crime exists, most urban professionals consider this acceptable for the walkability and cultural access the location provides. As with any urban area, street safety varies by block and time of day.

County Crime Rates — Denver County, CO (2022)

842

Violent Crime Rate

per 100k · national avg: 380

3,210

Property Crime Rate

per 100k · national avg: 2,100

The neighborhood safety score of 64/100 reflects a moderately safe urban environment typical of Denver's Capitol Hill area. County-level violent crime rates (842 per 100k) run above the national average (380 per 100k), consistent with a dense urban core. Property crime rates are similarly elevated. While crime exists, most urban professionals consider this acceptable for the walkability and cultural access the location provides. As with any urban area, street safety varies by block and time of day.

For detailed local crime statistics, visit: Denver Crime Map →

Sources: YourMapper CrimeScore, FBI Uniform Crime Report (UCR)

Investor Insights

For Investors

6.2%

Est. Gross Yield (2BR)

4.8%

Vacancy Rate

62%

Renter Occupied

For Buyers

5.6x

Price-to-Income Ratio

national avg ~4.1x

22

Price-to-Rent Ratio

<15 buy, >20 rent

+4.3%

National HPI (YoY)

For Renters

34%

Rent Burden (2BR)

% of median income

$1,720

Fair Market Rent (2BR)

3.8%

Unemployment Rate

HUD Fair Market Rents (FY2025)

$1,180

Studio

$1,390

1 BR

$1,720

2 BR

$2,280

3 BR

$2,650

4 BR

Denver's Capitol Hill submarket shows attractive investor fundamentals. An estimated gross yield of 6.2% on a 2BR unit compares favorably to the national average for urban markets (~5%). The price-to-rent ratio of 22 sits in the "lean toward renting" zone, which sustains strong rental demand. With HUD Fair Market Rent for a 2BR at $1,720/month and a vacancy rate of 4.8%, this is a high-demand rental market. The 34% rent burden (renter's share of median income spent on housing) is elevated — watch for tenant affordability pressure as rents rise. National home price appreciation of +4.3% YoY (FHFA HPI) supports buy-and-hold thesis.

Sources: HUD Fair Market Rents, U.S. Census Bureau ACS, BLS Local Area Unemployment Statistics

Appendix

About This Report

About Parcela

Parcela provides data-driven address intelligence reports to help renters, home buyers, and real estate investors make informed decisions. Our reports aggregate publicly available government data and apply AI analysis to deliver actionable insights about any US address.

Report Details

Report ID: sample-demo-001 · Generated: March 18, 2026

Address analyzed: 123 Main St, Denver, CO 80203

Data Source Status

✓ FEMA Flood✓ USGS Seismic✓ EPA Hazards✓ Air Quality✓ Wildfire✓ Crime Score✓ FBI Crime✓ Demographics✓ Walkability✓ HUD FMR✓ BLS Jobs✓ FHFA HPI

Data Sources & Freshness

FEMANational Flood Hazard Layer — updated continuously

USGSSeismic Design Maps — 2018 National Seismic Hazard Model

EPAFRS/SEMS hazard sites — updated quarterly

OpenAQAir quality PM2.5 — near real-time measurements

YourMapperCrimeScore — updated quarterly

U.S. Census BureauACS 5-year estimates — 2022 vintage

OpenStreetMapPOIs & amenities — current as of report generation

HUDFair Market Rents — FY2025

BLSLocal Area Unemployment — latest available monthly data

Google MapsStreet View & satellite imagery

AI AnalysisClaude (Anthropic) — generated at time of report

Contact

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Disclaimer: This report is provided for informational purposes only and does not constitute legal, financial, environmental, or professional advice. Data is sourced from public government databases and may not reflect recent changes. Parcela makes no warranties regarding the accuracy, completeness, or fitness for any particular purpose of the information contained herein. Always consult qualified professionals before making real estate decisions.

Report ID: sample-demo-001 March 18, 2026 parcela.pro