110 Linda St · Pine Harbor, TX 75657

$50,000

1 bd · 1.0 ba · 648 sqft · SingleFamily · 233 Days on market

Built 1945 Fair condition 0.28 ac lot ↓ 14% since listing

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Why this score? — see what drove the B- 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).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Schools +2.3/10.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

If you're looking for a weekend hide out or want to wake up every day to the beautiful nature Jefferson has to offer. .. come check out this little gem. Easily maintained and all you need in a property. Just a short walk to Island View Beach on Lake O' the Pine's and there's access to two boat launch's near by.

Key facts

• Boat launch access
• 0.28 acre lot
• Garage

Tags

• BOAT LAUNCH ACCESS

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $50k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $295 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($811 rent vs $50k).
• Recommended offer: $44k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 50/100 on livability (#1,494 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+; Watch: schools F, crime F, amenities F.
• Jefferson ISD (rural): math 23% / reading 33% proficiency, ranked #689 of 826 in TX (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 193 active listings in the ZIP; 8 units permitted in Marion County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $346 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Marion County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 233 days — a 12% lower offer ($44k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 50% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $44,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 233 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1945 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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.
9. 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.
10. 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: 1.62% ✓
• Cap rate: 13.37%
• Cash-on-cash: 25.29%
• DSCR: 2.13
• GRM: 5.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 18.8%
• Equity multiple: 1.76×
• Total profit: $10,698
• Equity at exit: $7,455

10-year hold

• IRR: 27.2%
• Equity multiple: 3.40×
• Total profit: $33,559
• Equity at exit: $4,323

Cash invested: $14,000 (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.

Methodology + full state rankings →

ZIP-level market 75657

• Home prices YoY: -9.7%
• Active inventory: 193
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $811 medium
• Mortgage (P&I): −$262
• Tax est. 1.5%: −$62 /mo · $750/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$170
• Net cashflow: $295

Break-even live

Break-even rent $437

Max offer price $50,000

Occupancy floor 59%

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: $12,500
• Closing costs: $1,500
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-19
   days on market $50,000 Active 233 DOM
2. 2026-06-18
   days on market $50,000 Active 232 DOM
3. 2026-06-17
   days on market $50,000 Active 231 DOM
4. 2026-06-16
   days on market $50,000 Active 230 DOM
5. 2026-06-15
   pricedays on market $50,000 Active 229 DOM
6. 2026-06-14
   days on market $60,000 Active 227 DOM
7. 2026-06-13
   days on market $60,000 Active 226 DOM
8. 2026-06-10
   days on market $60,000 Active 224 DOM
9. 2026-06-09
   days on market $60,000 Active 223 DOM
10. 2026-06-08
    days on market $60,000 Active 222 DOM
11. 2026-06-07
    days on market $60,000 Active 221 DOM
12. 2026-06-05
    days on market $60,000 Active 218 DOM
13. 2026-06-03
    days on market $60,000 Active 217 DOM
14. 2026-06-02
    days on market $60,000 Active 216 DOM
15. 2026-06-01
    days on market $60,000 Active 215 DOM
16. 2026-05-31
    days on market $60,000 Active 214 DOM
17. 2026-05-30
    days on market $60,000 Active 213 DOM
18. 2026-05-09
    price $60,000 312-char remark

    Show marketing remark (312 chars)

    If you're looking for a weekend hide out or want to wake up every day to the beautiful nature Jefferson has to offer. .. come check out this little gem. Easily maintained and all you need in a property. Just a short walk to Island View Beach on Lake O' the Pine's and there's access to two boat launch's near by.

19. 2026-04-24
    price $65,000 312-char remark

    Show marketing remark (312 chars)

    If you're looking for a weekend hide out or want to wake up every day to the beautiful nature Jefferson has to offer. .. come check out this little gem. Easily maintained and all you need in a property. Just a short walk to Island View Beach on Lake O' the Pine's and there's access to two boat launch's near by.

20. 2026-01-13
    price $68,900 312-char remark

    Show marketing remark (312 chars)

    If you're looking for a weekend hide out or want to wake up every day to the beautiful nature Jefferson has to offer. .. come check out this little gem. Easily maintained and all you need in a property. Just a short walk to Island View Beach on Lake O' the Pine's and there's access to two boat launch's near by.

21. 2025-10-29
    listed $69,900 Active 312-char remark

    Show marketing remark (312 chars)

    If you're looking for a weekend hide out or want to wake up every day to the beautiful nature Jefferson has to offer. .. come check out this little gem. Easily maintained and all you need in a property. Just a short walk to Island View Beach on Lake O' the Pine's and there's access to two boat launch's near by.

ⓘ 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 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥111°F today · 24 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 50% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,730
• − Mortgage interest: −$2,801
• − Property taxes: −$750
• − Insurance: −$250
• − Repairs & maintenance: −$778
• − Management: −$778
• − Depreciation: −$1,455
• Taxable income: $2,918
• Est. tax owed @ 24.0%: −$700
• After-tax cash flow: $2,840/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 · 12 photos

Fair 45/100 Moderate rehab

This property requires moderate renovations to improve its condition and increase its value. Key areas for improvement include the roof, exterior siding, porch, HVAC, and interior walls.

Repairs flagged

• Major roof — visible wear
• Major exterior siding — visible wear
• Major porch — visible wear
• Major HVAC — basic setup

Value-add opportunities

• Both paint interior walls — enhances curb appeal and interior aesthetics
• Both replace worn flooring — improves comfort and durability
• Both repair roof — extends lifespan and improves curb appeal
• Both repair exterior siding — enhances curb appeal and structural integrity
• Both repair porch — enhances curb appeal and functionality
• Both replace HVAC — improves comfort and energy efficiency

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · visible wear	Major	$15,000–50,000
exterior siding · visible wear	Major	$15,000–50,000
porch · visible wear	Major	$15,000–50,000
HVAC · basic setup	Major	$15,000–50,000
Total estimated repair cost · 4 items		$60,000–200,000

Value-add ROI direction

• Both paint interior walls — enhances curb appeal and interior aesthetics ↑
• Both replace worn flooring — improves comfort and durability ↑
• Both repair roof — extends lifespan and improves curb appeal ↑
• Both repair exterior siding — enhances curb appeal and structural integrity ↑
• Both repair porch — enhances curb appeal and functionality ↑
• Both replace HVAC — improves comfort and energy efficiency ↑

ⓘ 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: Jefferson ISD
• NCES district ID: 4824730
• Math proficiency: 23% ▼ -8.00%
• Reading proficiency: 33% ▼ -4.00%
• Median HH income: $33,504
• Composite: 22.93/100
• National rank: #7992
• State rank: #689 of 826 in TX

Livability — Pine Harbor

• Score: 50/100
• State rank: #1494
• US rank: #25521

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 6,842

Population outlook (Marion County) Hauer SSP2

• Today (2025): 9,339 people
• By 2030: 8,881 · -4.9%
• By 2040: 8,044 · -13.9%
• By 2050: 7,449 · -20.2%
• By 2075: 6,638 · -28.9%
• By 2100: 5,871 · -37.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Black 22% Two or more races 3% Hispanic / Latino 3% Native American 1%
• Common ancestry: Iranian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+52.5) · D 23.4% · R 75.9%
• 2008→2024 swing: -30.8pp toward R · 2008: -21.7pp · 2024: -52.5pp
• All cycles: 2024: R+52.5 2020: R+43.8 2016: R+43.1 2012: R+29.1 2008: R+21.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -13.60%
• Current HPI: 126.2671
• Rent YoY: —
• Metro: —
• 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

-14.2% since first listed

4 events — show timeline

• 2026-05-09 Price Changed $60,000 LAAR
• 2026-04-24 Price Changed $65,000 LAAR
• 2026-01-13 Price Changed $68,900 LAAR
• 2025-10-29 Listed $69,900 LAAR