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81 County Road 44880
D+ Composite 48.18
Why this score? — see what drove the D+ 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 +15.0/15.0
  • Cash flow +8.4/30.0
  • Appreciation +8.1/10.0
  • Schools +4.3/10.0
  • Livability +3.0/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • DSCR +2.3/10.0
  • 1% rule +2.1/10.0

$175,000

81 County Road 44880 · Blossom, TX 75416
4 bd · 2.0 ba · 1,680 sqft · SingleFamily public records · 68 Days on market
Built 2008 3.00 ac lot Est $319k · 45% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Charming home located in Blossom, TX in the highly desirable Prairiland School District! This 4 bedroom, 2 bath home has an open floor plan and has recently had a new metal roof installed. The home sits on the corner of CR 44850 and CR 44880 giving the 3 acres of land ample road frontage and room to build another home if desired. Enjoy country living at its finest!!!

Key facts

  • New metal roof
  • 3 acres of land
  • Ample road frontage

Tags

NEW METAL ROOF3 ACRES OF LANDAMPLE ROAD FRONTAGE

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $175k.

Deal economics

  • At list price, monthly cash flow is $-157 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $147k (15.8% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $125k (28.9% below list).
  • Recommended offer: $125k (28.9% below list) — sets the bar for 1% rule.
  • Cap rate 5.2% vs local median 2.8% in Blossom — 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 59/100 on livability (#1,116 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime A; Watch: schools D+, employment D, amenities F.
  • Prairiland ISD (rural): math 52% / reading 51% proficiency, ranked #167 of 826 in TX (top 20%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: 56 active listings in the ZIP; 119 units permitted in Lamar County in 2024 (71 in 5+ unit buildings).

Forward outlook

  • In year one you build about $12k of equity ($1k loan paydown + $11k appreciation (6.2% local appreciation)).
  • Lamar County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • By year 4, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 68 days — a 6% lower offer ($164k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $124,509 (28.9% 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 68 days. Have you received any prior offers? Is the seller open to a 29% concession, seller financing, or rate buy-down credit?
  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 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?
  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
0.71%
Cap rate
5.22%
Cash-on-cash
-3.84%
DSCR
0.83
GRM
11.7

CMA / ARV

ARV (on-the-fly)
$319,200
Comps found
3
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
725 Daniel St 0.59mi 3/2.0 (-1) 1,788 (+6%) 21mo $339,900 $190 40
715 Daniel St 0.59mi 3/2.0 (-1) 1,483 (-12%) 11mo $284,900 $192 39
745 Daniel St 0.58mi 3/2.0 (-1) 1,788 (+6%) 22mo $339,999 $190 39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

6.17% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
12.7%
Equity multiple
1.86×
Total profit
$42,243
Equity at exit
$111,855
10-year hold
IRR
13.3%
Equity multiple
3.69×
Total profit
$131,587
Equity at exit
$204,453

Cash invested: $49,000 (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.

ZIP-level market 75416

Home prices YoY
3.1%
Active inventory
56
Price-to-rent
11.7×

Monthly cashflow live

Estimated rent
$1,245 medium interval (Pro) →
Mortgage (P&I)
$918
Tax from tax record
$150 /mo · $1,798/yr
Insurance
$73
HOA
$0
Vacancy / Maint / Mgmt
$261
Net cashflow
$-157

Break-even live

Break-even rent $1,444
Max offer price $147,287
Occupancy floor

Sensitivity live

Price -10% $-58 -5% $-107 +0% $-157 +5% $-206 +10% $-256
Rent -10% $-255 -5% $-206 +0% $-157 +5% $-108 +10% $-59
Rate -1.0pp $-69 -0.5pp $-112 base $-157 +0.5pp $-202 +1.0pp $-248

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
$43,750
Closing costs
$5,250
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 18 events

  1. 2026-06-21
    days on market $175,000 Active 68 DOM
  2. 2026-06-18
    days on market $175,000 Active 66 DOM
  3. 2026-06-17
    days on market $175,000 Active 65 DOM
  4. 2026-06-16
    days on market $175,000 Active 64 DOM
  5. 2026-06-15
    days on market $175,000 Active 63 DOM
  6. 2026-06-15
    days on market $175,000 Active 62 DOM
  7. 2026-06-13
    days on market $175,000 Active 61 DOM
  8. 2026-06-12
    days on market $175,000 Active 60 DOM
  9. 2026-06-09
    days on market $175,000 Active 57 DOM
  10. 2026-06-08
    days on market $175,000 Active 56 DOM
  11. 2026-06-08
    days on market $175,000 Active 55 DOM
  12. 2026-06-07
    days on market $175,000 Active 54 DOM
  13. 2026-06-03
    days on market $175,000 Active 51 DOM
  14. 2026-06-02
    days on market $175,000 Active 50 DOM
  15. 2026-06-01
    days on market $175,000 Active 49 DOM
  16. 2026-05-31
    days on market $175,000 Active 48 DOM
  17. 2026-04-13
    listed $175,000 Active 371-char remark
    Show marketing remark (371 chars)

    Charming home located in Blossom, TX in the highly desirable Prairiland School District! This 4 bedroom, 2 bath home has an open floor plan and has recently had a new metal roof installed. The home sits on the corner of CR 44850 and CR 44880 giving the 3 acres of land ample road frontage and room to build another home if desired. Enjoy country living at its finest!!!

  18. 2023-08-24
    soldstatus

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

Tax reassessment forecast TX · Resets to sale price

Current annual tax
$1,798 · $150/mo
Projected year-2 tax
$3,202 · $267/mo
Expected delta
+$1,404/yr (+$117/mo · 78.1%)

ⓘ 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 7/10 Severe
  • 🌡 Heat 7/10 Severe 7 d/yr ≥110°F today · 22 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 19% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$14,941
− Mortgage interest
−$9,803
− Property taxes
−$1,798
− Insurance
−$875
− Repairs & maintenance
−$1,195
− Management
−$1,195
− Depreciation
−$5,091
Taxable loss
−$5,016
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,204
After-tax cash flow
$-679/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
Prairiland ISD
NCES district ID
4835740
Math proficiency
52% ▲ 5.00%
Reading proficiency
51% ▲ 7.00%
Median HH income
$43,652
Composite
43.44/100
National rank
#3010
State rank
#167 of 826 in TX

Livability — Blossom

Score
59/100
State rank
#1116
US rank
#19760

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Population (ZIP)
2,987

Population outlook (Lamar County) Hauer SSP2

Today (2025)
48,319 people
By 2030
47,160 · -2.4%
By 2040
44,621 · -7.7%
By 2050
42,024 · -13.0%
By 2075
36,577 · -24.3%
By 2100
30,580 · -36.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (82%)
Race & ethnicity
White 82% Two or more races 13% Hispanic / Latino 7% Black 3% Native American 1%
Hispanic origin (detail)
Mexican 7%
Common ancestry
Slovak 2% Serbian 2% Iranian 1%
Foreign-born
2% · Canada
Languages at home
97% English-only · Spanish 2% Tagalog/Filipino 1%

Political lean MEDSL · Lamar

2024 margin
Solid R (+61.0) · D 19.2% · R 80.3%
2008→2024 swing
-19.1pp toward R · 2008: -42.0pp · 2024: -61.0pp
All cycles
2024: R+61.0 2020: R+57.4 2016: R+59.2 2012: R+50.3 2008: R+42.0

Not yet ingested

Civics

Market trends

HPI YoY
▲ 6.17%
Current HPI
202.3527
Rent YoY
Metro
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

2 events — show timeline
  • 2026-04-13 Listed $175,000 NTREIS
  • 2023-08-24 Sold (Public Records) Public Records

Property tax history

+2.7%/yr

Latest (2025): $1,798 · -6.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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