841 Lake View Rdg · White Settlement, TX 76108

$197,000

3 bd · 2.0 ba · 1,048 sqft · SingleFamily public records · 77 Days on market

Built 1980 7,667 sqft lot $188/sqft · 12% below area Est $224k · 12% under ↓ 5% since listing

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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 +13.0/15.0
• Cash flow +9.2/30.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• 1% rule +3.3/10.0
• DSCR +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 841 Lake View Ridge — a solid brick home nestled in the heart of White Settlement, TX, offering incredible value for first-time homebuyers and those looking to downsize without sacrificing space or comfort. Step onto the covered front porch and feel right at home. Inside, you'll find 3 bedrooms, 1 full bath, and 1 half bath thoughtfully laid out for everyday living. The spacious kitchen offers room to cook, gather, and make memories. You will really appreciate the storage spaces inside and storage building in the backyard. A standout feature, the 17×10 sunroom, complete with its own mini AC unit — your year-round retreat for morning coffee, a home office, or a reading nook. Out back, a large backyard awaits your vision, whether that's a garden, a play area, or an entertainer's dream space. This home is ready for your personal touch — a little sprucing and will go a long way. The foundation work has already been completed and transfers to the new owner, giving you true peace of mind from day one. Located just a short walk from Central Park, and with not one but three parks in White Settlement — Central Park, Veterans Park, and the scenic Airfield Falls Trailhead & Conservation Park — outdoor recreation is always close to home. Don't miss this opportunity to own a well-built brick home in a welcoming community at an accessible price point.

Key facts

• Covered front porch
• Storage building
• Large backyard

Tags

• COVERED FRONT PORCH
• STORAGE SPACES
• STORAGE BUILDING
• SUNROOM
• LARGE BACKYARD
• SHORT WALK FROM CENTRAL PARK

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $197k.

Deal economics

• At list price, monthly cash flow is $-149 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $171k (13.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $164k (16.6% below list).
• Recommended offer: $164k (16.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 74/100 on livability (#188 in TX, #4,855 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, amenities D+, employment D+.
• White Settlement ISD (rural): math 35% / reading 44% proficiency, ranked #396 of 826 in TX (top 48%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.2%/yr); 548 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 18,938 units permitted in Tarrant County in 2024 (8,336 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Tarrant County population projected at +41% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($185k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $164,350 (16.6% 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 77 days. Have you received any prior offers? Is the seller open to a 17% 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: 0.83% ✗
• Cap rate: 5.39%
• Cash-on-cash: -3.24%
• DSCR: 0.86
• GRM: 10.0

CMA / ARV

• ARV (median comp): $224,255
• List price: $197,000
• Delta: -12.15%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8400 Wyatt Dr	0.21mi	2/1.5 (-1)	1,030 (-2%)	5mo	$214,000	$208	76
8528 Pemberton Ct	0.31mi	3/1.0	1,014 (-3%)	4mo	$205,000	$202	73
8141 Tumbleweed Trl	0.51mi	3/1.5	1,056 (+1%)	2mo	$235,000	$223	71
512 Mirike Dr	0.34mi	3/1.0	1,130 (+8%)	3mo	$120,000	$106	64
8210 Sussex St	0.46mi	3/2.0	1,150 (+10%)	1mo	$280,000	$243	62
421 S Mcentire Ct	0.72mi	3/1.0	1,090 (+4%)	5mo	$185,000	$170	52
7932 Tumbleweed Trl	0.74mi	3/1.0	1,044 (-0%)	11mo	$189,000	$181	52
405 Kimbrough St	0.63mi	3/1.0	1,169 (+12%)	2mo	$165,000	$141	46
105 Lockwood St	0.69mi	3/1.0	1,140 (+9%)	6mo	$194,900	$171	44
8028 Tumbleweed Trl	0.63mi	3/1.0	1,164 (+11%)	8mo	$199,900	$172	41
9229 S Dodson Dr	0.67mi	3/1.0	936 (-11%)	11mo	$175,000	$187	38
8005 Downe Dr	0.68mi	3/1.0	925 (-12%)	11mo	$199,000	$215	35

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: -25.3%
• Equity multiple: 0.16×
• Total profit: $-46,142
• Equity at exit: $29,373

10-year hold

• IRR: -35.8%
• Equity multiple: -0.28×
• Total profit: $-70,686
• Equity at exit: $17,033

Cash invested: $55,160 (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 76108

• Home prices YoY: -32.5%
• Rents YoY: -0.2%
• Active inventory: 548
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,644 high
• Mortgage (P&I): −$1,033
• Tax from tax record: −$332 /mo · $3,985/yr
• Insurance: −$82
• HOA: −$0
• Vacancy / Maint / Mgmt: −$345
• Net cashflow: $-149

Break-even live

Break-even rent $1,832

Max offer price $170,705

Occupancy floor —

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: $49,250
• Closing costs: $5,910
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
619 Allencrest Dr Fort Worth, TX	3.0	2.0	1322	$1,800	$1.36	24d	1	0.28mi
617 S Las Vegas Trl White Settlement, TX	3.0	2.0	1307	$1,585	$1.21	22d	1	0.32mi
8112 Gibbs Dr Fort Worth, TX	3.0	2.0	1412	$1,850	$1.31	43d	1	0.34mi
640 Kimbrough St Fort Worth, TX	4.0	2.0	1394	$1,995	$1.43	18d	1	0.44mi
923 Kimbrough St Fort Worth, TX	3.0	2.0	1362	$1,845	$1.35	43d	1	0.44mi
405 S Las Vegas Trl Fort Worth, TX	3.0	2.0	1160	$1,595	$1.38	18d	1	0.48mi
1823 S Las Vegas Trl Unit 22 White Settlement, TX	2.0	1.0	800	$1,250	$1.56	19d	1	0.56mi
1823 S Las Vegas Trl Unit 22 White Settlement, TX	2.0	1.0	800	$1,250	$1.56	43d	1	0.56mi
1823 S Las Vegas Trl Fort Worth, TX	2.0	2.0	900	$1,360	$1.51	43d	1	0.56mi
9211 Dale Lane Ct Fort Worth, TX	1.0–2.0	1.0–2.0	719	$975	$1.36	43d	1	0.58mi
321 Meadow Park Dr White Settlement, TX	3.0	2.0	1400	$1,875	$1.34	43d	1	0.59mi
238 S Las Vegas Trl White Settlement, TX	2.0	1.5	1200	$1,372	$1.14	2d	4	0.60mi
129 Allencrest Dr Fort Worth, TX	3.0	2.0	1424	$1,595	$1.12	7d	1	0.60mi
8033 Downe Dr Fort Worth, TX	3.0	1.0	1119	$1,650	$1.47	43d	1	0.62mi
123 Allencrest Dr Fort Worth, TX	3.0	2.0	1424	$1,545	$1.08	2d	1	0.62mi
140 S Las Vegas Trl White Settlement, TX	2.0	1.5	1200	$1,299	$1.08	24d	1	0.62mi
112 Allencrest Dr White Settlement, TX	2.0	1.5	1024	$1,350	$1.32	43d	1	0.63mi
108 Allencrest Dr White Settlement, TX	2.0	1.5	1025	$1,325	$1.29	24d	1	0.65mi
9304 Marilyn Ct Fort Worth, TX	3.0	2.0	1486	$2,100	$1.41	43d	1	0.67mi
704 Dale Ln Unit 2121 White Settlement, TX	2.0	2.0	1112	$1,367	$1.23	2d	1	0.67mi
704 Dale Ln Apt 512 White Settlement, TX	2.0	2.0	1040	$1,370	$1.32	43d	1	0.67mi
101 S Las Vegas Trl Fort Worth, TX	2.0	1.5	1016	$1,250	$1.23	43d	1	0.68mi
101 West Pl Fort Worth, TX	2.0	1.0	900	$1,395	$1.55	43d	1	0.69mi
8012 Chaparral Dr Fort Worth, TX	3.0	1.5	1226	$1,620	$1.32	20d	1	0.69mi
7940 Chaparral Dr Fort Worth, TX	3.0	1.5	1142	$1,795	$1.57	24d	1	0.74mi
7924 Emerald Crest Dr White Settlement, TX	2.0	2.0	925	$1,199	$1.30	43d	1	0.78mi
8020 Cambridge Cir Fort Worth, TX	2.0	2.0	821	$895	$1.09	2d	1	0.79mi
8020 Cambridge Cir Fort Worth, TX	2.0	2.0	821	$925	$1.13	43d	1	0.79mi
1625 Mary K Ln Unit 1627 White Settlement, TX	2.0	2.0	825	$1,365	$1.65	7d	1	0.79mi
8022 Cambridge Cir White Settlement, TX	2.0	2.0	821	$935	$1.14	43d	1	0.79mi
8024 Cambridge Cir Unit A White Settlement, TX	2.0	2.0	1000	$975	$0.97	12d	1	0.80mi
8030 Cambridge Cir Unit A White Settlement, TX	2.0	2.0	928	$1,095	$1.18	24d	1	0.81mi
213 Donald St Fort Worth, TX	2.0	1.0	1025	$1,450	$1.41	43d	1	0.83mi
9110 Lanham St White Settlement, TX	2.0	1.5	1026	$1,375	$1.34	24d	1	0.92mi
212 Lanham Ct Fort Worth, TX	2.0	1.0	1057	$1,350	$1.28	43d	1	0.94mi
7724 Longfield Dr Fort Worth, TX	3.0	2.0	1335	$1,995	$1.49	43d	1	0.99mi
1200 Scenic Vista Dr Fort Worth, TX	1.0–2.0	1.0–2.0	1174	$1,575	$1.34	22d	4	1.03mi
500 W Loop 820 S Fort Worth, TX	1.0–3.0	1.0–2.0	1082	$2,039	$1.88	43d	11	1.04mi
8438 Jay St Fort Worth, TX	3.0	2.5	1394	$1,695	$1.22	7d	1	1.05mi
8300 Calmont Ave Fort Worth, TX	2.0	1.0	870	$1,075	$1.24	24d	1	1.06mi

Listing history 17 events

1. 2026-06-18
   days on market $197,000 Active 77 DOM
2. 2026-06-17
   days on market $197,000 Active 76 DOM
3. 2026-06-16
   days on market $197,000 Active 75 DOM
4. 2026-06-15
   days on market $197,000 Active 74 DOM
5. 2026-06-13
   days on market $197,000 Active 72 DOM
6. 2026-06-09
   days on market $197,000 Active 68 DOM
7. 2026-06-08
   days on market $197,000 Active 67 DOM
8. 2026-06-07
   days on market $197,000 Active 66 DOM
9. 2026-06-04
   days on market $197,000 Active 63 DOM
10. 2026-06-03
    days on market $197,000 Active 62 DOM
11. 2026-06-02
    days on market $197,000 Active 61 DOM
12. 2026-06-01
    days on market $197,000 Active 60 DOM
13. 2026-05-31
    days on market $197,000 Active 59 DOM
14. 2026-04-13
    price $214,000 1413-char remark

    Show marketing remark (1413 chars)

    Welcome to 841 Lake View Ridge — a solid brick home nestled in the heart of White Settlement, TX, offering incredible value for first-time homebuyers and those looking to downsize without sacrificing space or comfort. Step onto the covered front porch and feel right at home. Inside, you'll find 3 bedrooms, 1 full bath, and 1 half bath thoughtfully laid out for everyday living. The spacious kitchen offers room to cook, gather, and make memories. You will really appreciate the storage spaces inside and storage building in the backyard. A standout feature, the 17×10 sunroom, complete with its own mini AC unit — your year-round retreat for morning coffee, a home office, or a reading nook. Out back, a large backyard awaits your vision, whether that's a garden, a play area, or an entertainer's dream space. This home is ready for your personal touch — a little sprucing and will go a long way. The foundation work has already been completed and transfers to the new owner, giving you true peace of mind from day one. Located just a short walk from Central Park, and with not one but three parks in White Settlement — Central Park, Veterans Park, and the scenic Airfield Falls Trailhead & Conservation Park — outdoor recreation is always close to home. Don't miss this opportunity to own a well-built brick home in a welcoming community at an accessible price point.

15. 2026-04-02
    listed $225,000 Active 1413-char remark

    Show marketing remark (1413 chars)

    Welcome to 841 Lake View Ridge — a solid brick home nestled in the heart of White Settlement, TX, offering incredible value for first-time homebuyers and those looking to downsize without sacrificing space or comfort. Step onto the covered front porch and feel right at home. Inside, you'll find 3 bedrooms, 1 full bath, and 1 half bath thoughtfully laid out for everyday living. The spacious kitchen offers room to cook, gather, and make memories. You will really appreciate the storage spaces inside and storage building in the backyard. A standout feature, the 17×10 sunroom, complete with its own mini AC unit — your year-round retreat for morning coffee, a home office, or a reading nook. Out back, a large backyard awaits your vision, whether that's a garden, a play area, or an entertainer's dream space. This home is ready for your personal touch — a little sprucing and will go a long way. The foundation work has already been completed and transfers to the new owner, giving you true peace of mind from day one. Located just a short walk from Central Park, and with not one but three parks in White Settlement — Central Park, Veterans Park, and the scenic Airfield Falls Trailhead & Conservation Park — outdoor recreation is always close to home. Don't miss this opportunity to own a well-built brick home in a welcoming community at an accessible price point.

16. 1992-04-03
    soldstatus
17. 1983-05-06
    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: $3,985 · $332/mo
• Projected year-2 tax: $3,985 · $332/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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 24% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,722
• − Mortgage interest: −$11,035
• − Property taxes: −$3,985
• − Insurance: −$985
• − Repairs & maintenance: −$1,578
• − Management: −$1,578
• − Depreciation: −$5,731
• Taxable loss: −$5,169
• Est. tax savings @ 24.0%: +$1,241
• After-tax cash flow: $-546/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: White Settlement ISD
• NCES district ID: 4845540
• Math proficiency: 35% ▼ -10.00%
• Reading proficiency: 44% ▼ -4.00%
• Median HH income: $56,055
• Composite: 34.63/100
• National rank: #5151
• State rank: #396 of 826 in TX

Livability — White Settlement

• Score: 74/100
• State rank: #188
• US rank: #4855

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: White Settlement, TX
• County: Tarrant County · 2,033,669 people
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 45,537
• Household income: $80,412
• Rent vs Own: 29.4% rent · 70.6% own
• Severe rent burden: 774.0

Population outlook (Tarrant County) Hauer SSP2

• Today (2025): 2,380,417 people
• By 2030: 2,578,900 · +8.3%
• By 2040: 2,974,995 · +25.0%
• By 2050: 3,350,489 · +40.8%
• By 2075: 4,216,909 · +77.2%
• By 2100: 4,741,527 · +99.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 52% Hispanic / Latino 32% Two or more races 17% Black 8% Asian 3% Native American 1%
• Hispanic origin (detail): Mexican 26% Puerto Rican 1%
• Common ancestry: Slovak 2% Lithuanian 1% Romanian 1%
• Foreign-born: 11% · Canada, Vietnam
• Languages at home: 76% English-only · Spanish 21% Vietnamese 1% Tagalog/Filipino 1%

Political lean MEDSL · Tarrant

• 2024 margin: Lean R (+5.1) · D 46.7% · R 51.9% · Other 1.4%
• 2008→2024 swing: +6.6pp toward D · 2008: -11.7pp · 2024: -5.1pp
• All cycles: 2024: R+5.1 2020: D+0.2 2016: R+8.7 2012: R+15.7 2008: R+11.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -141.39%
• Current HPI: 294.2459
• Rent YoY: ▼ -0.18%
• Metro: Dallas-Fort Worth-Arlington, 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

-4.9% since first listed

4 events — show timeline

• 2026-04-13 Price Changed $214,000 NTREIS
• 2026-04-02 Listed $225,000 NTREIS
• 1992-04-03 Sold (Public Records) — Public Records
• 1983-05-06 Sold (Public Records) — Public Records

Property tax history

+6.2%/yr

Latest (2025): $3,985 · +8.7% YoY. Source: county tax records.