13322 Wind Field Dr · Magnolia, TX 77316

$255,990

4 bd · 2.0 ba · 2,039 sqft · SingleFamily · 25 Days on market

Built 2026 Good condition $100/mo HOA · 4% of rent

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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).

• ARV discount +7.5/15.0
• Cash flow +4.2/30.0
• Condition / age +4.0/5.0
• Schools +3.9/10.0
• Livability +3.7/5.0
• Rent growth +2.6/5.0
• 1% rule +0.6/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks

New Construction Lennar Houston Home - The Whitetail Floor Plan - The first floor of this two-story home shares a spacious open layout between the kitchen, dining room and family room for easy entertaining. Upstairs are three secondary bedrooms, ideal for residents and overnight guests, surrounding a versatile loft that serves as an additional shared living space. An owner's suite sprawls across the rear of the second floor and enjoys an en-suite bathroom and a walk-in closet. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

Key facts

• Walk-in closet
• Open layout
• En-suite bathroom

Tags

• OPEN LAYOUT
• VERSATILE LOFT
• EN-SUITE BATHROOM
• WALK-IN CLOSET

Property features AI

Finance

• Other: Lease not considered
• HOA & community: Community Solutions association; Annual association fee; Association amenities: playground, park, trails

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer
• Home design: Residential property; Under construction (new construction); Slab foundation; Builder: Lennar Homes
• Construction: Brick and cement siding construction; Built in 2026
• Exterior features: Subdivision lot; Pond on lot; Composition roof

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Gas oven; Gas range
• Bedrooms: Primary bedroom on second floor (16 x 12); Three additional bedrooms on second floor (12 x 12, 12 x 12, 12 x 10); One bedroom on first floor (12 x 10)
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric and gas); Central air conditioning (electric and gas)
• Interior features: Breakfast bar; Kitchen/family room combo; Pantry; Separate shower; Tub/shower; Kitchen/dining combo; Loft
• Laundry & utility: Washer hookup; Electric dryer hookup; Gas dryer hookup

🏗️ New construction. The $255,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $410,145.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $256k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-1k ($-13k/yr) — negative.
• To cash-flow at today's rent, offer at most $249k (2.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $230k (10.1% below list).
• Recommended offer: $230k (10.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 73/100 on livability (#222 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Magnolia ISD (rural): math 42% / reading 45% proficiency, ranked #247 of 826 in TX (top 30%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Magnolia Parkway El (math 38% / reading 46%, grade F, #1,335 of 4,322 statewide, top 33%, 776 students, 45% FRL); Bear Branch J H (math 44% / reading 46%, grade D, #479 of 1,662 statewide, top 29%, 1,076 students, 37% FRL); Magnolia H S (math 47% / reading 62%, grade C-, #379 of 1,632 statewide, top 26%, 2,248 students, 31% FRL) — zoned schools at 37% FRL track the district average.
• Market conditions: Rents flat; 2300 active listings in the ZIP; high-income renter base; 13,259 units permitted in Montgomery County in 2024 (1,402 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
• Montgomery County population projected at +65% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 25 days — a 2% lower offer ($252k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $230,055 (10.1% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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?
6. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
7. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
8. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
9. 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.
10. 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.
11. 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: 0.56% ✗
• Cap rate: 3.02%
• Cash-on-cash: -11.67%
• DSCR: 0.48
• GRM: 14.9

CMA / ARV

• ARV (on-the-fly): $410,145
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6225 Alder Creek Dr	0.06mi	4/2.5	2,039 (0%)	1mo	$272,990	$134	95
13079 Pine Trace St	0.06mi	4/2.5	2,083 (+2%)	1mo	$343,990	$165	91
6043 Ash Willow Ct	0.12mi	4/2.0	1,968 (-4%)	0mo	$248,745	$126	89
6051 Ash Willow Ct	0.12mi	4/2.5	1,968 (-4%)	1mo	$297,990	$151	86
6034 Ash Willow Ct	0.10mi	4/2.5	1,968 (-4%)	2mo	$293,990	$149	86
6042 Ash Willow Ct	0.04mi	4/2.0	1,760 (-14%)	2mo	$284,990	$162	73
13043 Pine Trace St	0.07mi	3/2.0 (-1)	1,792 (-12%)	1mo	$320,990	$179	71
6122 Daintree Ct	0.54mi	4/2.5	1,968 (-4%)	1mo	$293,990	$149	66
6253 Alder Creek Dr	0.41mi	4/2.5	2,254 (+10%)	1mo	$278,990	$124	60
6266 Alder Creek Dr	0.41mi	4/2.5	2,254 (+10%)	2mo	$274,990	$122	60
6242 Alder Creek Dr	0.54mi	4/2.5	2,254 (+10%)	1mo	$274,990	$122	54
13087 Pine Trace St	0.54mi	3/2.5 (-1)	1,749 (-14%)	1mo	$332,990	$190	43

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 · 0.4% rent growth · sell at horizon

5-year hold

• IRR: -40.7%
• Equity multiple: -0.25×
• Total profit: $-143,372
• Equity at exit: $61,154

10-year hold

• IRR: -86.1%
• Equity multiple: -1.08×
• Total profit: $-238,911
• Equity at exit: $35,462

Cash invested: $114,841 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Texas: 87 Strongly Landlord-Friendly · R+5
• County: — inherits STATE
• City: — inherits STATE

3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Methodology + full state rankings →

ZIP-level market 77316

• Home prices YoY: -10.7%
• Rents YoY: 0.4%
• Active inventory: 2300
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $2,301 medium
• Mortgage (P&I): −$2,151
• Tax est. 1.5%: −$513 /mo · $6,152/yr
• Insurance: −$171
• HOA: −$100
• Vacancy / Maint / Mgmt: −$483
• Net cashflow: $-1,117

Break-even live

Break-even rent $3,714

Max offer price $248,515

Occupancy floor —

Sensitivity live

Price	-10% $-834	-5% $-975	+0% $-1,117	+5% $-1,259	+10% $-1,400
Rent	-10% $-1,299	-5% $-1,208	+0% $-1,117	+5% $-1,026	+10% $-935
Rate	-1.0pp $-910	-0.5pp $-1,013	base $-1,117	+0.5pp $-1,223	+1.0pp $-1,331

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: $102,536
• Closing costs: $12,304
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $100 · $1,200/yr

Listing history 16 events

1. 2026-06-21
   pricedays on market $255,990 Active 25 DOM
2. 2026-06-18
   days on market $249,990 Active 22 DOM
3. 2026-06-18
   remarks 637-char remark
4. 2026-06-17
   pricedays on market $249,990 Active 21 DOM
5. 2026-06-16
   days on market $260,540 Active 20 DOM
6. 2026-06-15
   days on market $260,540 Active 19 DOM
7. 2026-06-13
   days on market $260,540 Active 17 DOM
8. 2026-06-09
   days on market $260,540 Active 13 DOM
9. 2026-06-08
   days on market $260,540 Active 12 DOM
10. 2026-06-07
    days on market $260,540 Active 11 DOM
11. 2026-06-04
    days on market $260,540 Active 8 DOM
12. 2026-06-03
    days on market $260,540 Active 7 DOM
13. 2026-06-02
    days on market $260,540 Active 6 DOM
14. 2026-06-01
    days on market $260,540 Active 5 DOM
15. 2026-05-31
    days on market $260,540 Active 4 DOM
16. 2026-05-27
    listed $260,540 Active

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥111°F today · 23 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,607
• − Mortgage interest: −$22,974
• − Property taxes: −$6,152
• − Insurance: −$2,051
• − Repairs & maintenance: −$2,209
• − Management: −$2,209
• − HOA: −$1,200
• − Depreciation: −$11,931
• Taxable loss: −$21,119
• Est. tax savings @ 24.0%: +$5,069
• After-tax cash flow: $-8,335/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.

Condition & rehab AI · 6 photos

Good 80/100 Cosmetic rehab

This two-story home features a spacious open layout with modern finishes and a well-maintained exterior. Minor cosmetic updates can further enhance its curb appeal and value.

Value-add opportunities

• Resale Paint the exterior walls — Fresh paint can enhance curb appeal and home value.
• Resale Replace the front door — A new front door can improve the home's curb appeal and security.
• Rental Clean the air filters — Clean air filters can improve air quality and reduce HVAC maintenance costs.

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint the exterior walls — Fresh paint can enhance curb appeal and home value. ↑
• Resale Replace the front door — A new front door can improve the home's curb appeal and security. ↑
• Rental Clean the air filters — Clean air filters can improve air quality and reduce HVAC maintenance costs. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Magnolia ISD
• NCES district ID: 4828740
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $71,692
• Composite: 39.46/100
• National rank: #3958
• State rank: #247 of 826 in TX

Livability — Magnolia

• Score: 73/100
• State rank: #222
• US rank: #5442

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Montgomery County · 663,713 people
• City population: 32,847
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 34,694
• Household income: $124,055
• Rent vs Own: 10.9% rent · 89.1% own
• Severe rent burden: 273.0

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 713,896 people
• By 2030: 805,263 · +12.8%
• By 2040: 992,708 · +39.1%
• By 2050: 1,179,590 · +65.2%
• By 2075: 1,628,084 · +128.1%
• By 2100: 1,937,880 · +171.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Hispanic / Latino 14% Two or more races 11% Black 1% Asian 1%
• Hispanic origin (detail): Mexican 9%
• Common ancestry: Lithuanian 6% Slovak 3% Romanian 3%
• Foreign-born: 6% · Canada
• Languages at home: 90% English-only · Spanish 8%

Political lean MEDSL · Montgomery

• 2024 margin: Solid R (+45.5) · D 26.8% · R 72.3%
• 2008→2024 swing: +7.2pp toward D · 2008: -52.7pp · 2024: -45.5pp
• All cycles: 2024: R+45.5 2020: R+43.8 2016: R+51.4 2012: R+60.7 2008: R+52.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -31.44%
• Current HPI: 262.6973
• Rent YoY: ▲ 0.40%
• Metro: Houston-The Woodlands-Sugar Land, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

Industry mix (Fortune 500 HQ in TX)

Industry	F500 HQs	Revenue
▸Energy	16	$1,198B
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

1 event — show timeline

• 2026-05-27 Listed $260,540 HARMLS