1059 Cardinal Ln · Westwood Shores, TX 75862

$49,995

3 bd · 1.0 ba · 980 sqft · Manufactured public records · 270 Days on market

Built 1984 7,222 sqft lot $51/sqft · 7% above area Est $47k · 7% over $13/mo HOA · 1% of rent ↓ 23% 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
• Appreciation +4.7/10.0
• ARV discount +4.6/15.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

Escape to a serene retreat where you can build your ideal living space! This charming 3-bedroom, 1-bath mobile home is located in a highly desirable, gated community and offers a unique opportunity to own a piece of paradise. The property is one of a kind, boasting a spacious lot with mature trees that provide a sense of tranquility and plenty of shade. Relax and unwind on the large front porch, the perfect spot for your morning coffee or an evening with friends. You'll have exclusive access to the community's premium amenities, including a top-tier golf course just a stone's throw away. This home is a blank canvas, offering incredible potential in a sought-after location. Don't miss this rare chance to create your perfect haven.

Key facts

• Gated community
• Premium amenities
• Large front porch

Tags

• GATED COMMUNITY
• SPACIOUS LOT
• MATURE TREES
• LARGE FRONT PORCH
• EXCLUSIVE ACCESS
• PREMIUM AMENITIES

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath manufactured listed at $50k.

Deal economics

• At list price, monthly cash flow is $577 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Recommended offer: $44k (12.0% below list) — sets the bar for market timing.
• Cap rate 20.1% vs local median 3.6% in Westwood Shores — 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 62/100 on livability (#914 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Trinity ISD (rural): math 27% / reading 29% proficiency, ranked #682 of 826 in TX (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 468 active listings in the ZIP; 1 units permitted in Trinity County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $87 of equity ($345 loan paydown + $-258 appreciation (-0.5% local appreciation)).
• Trinity County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.5% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 270 days — a 12% lower offer ($44k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $10k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 91% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $43,995 (12.0% below list)

Questions for the listing agent

1. It's been on market 270 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 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?
6. 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.
7. 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.
8. 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: 2.33% ✓
• Cap rate: 20.14%
• Cash-on-cash: 49.46%
• DSCR: 3.20
• GRM: 3.6

CMA / ARV

• ARV (median comp): $46,924
• List price: $49,995
• Delta: 6.54%
• Verdict: FAIR
• Comps: 12 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1171 Cardinal Ln	0.07mi	3/2.0	910 (-7%)	2mo	$35,000	$38	80
28 Heron Ln	0.14mi	3/2.0	924 (-6%)	1mo	$25,000	$27	79
160 Raven	0.19mi	3/2.0	924 (-6%)	12mo	$55,000	$60	68
1002 Cardinal Ln	0.06mi	2/2.0 (-1)	896 (-9%)	8mo	$35,000	$39	68
39 E Whippoorwill Ln	0.13mi	2/2.0 (-1)	840 (-14%)	4mo	$42,000	$50	58
43 Mockingbird Ln	0.14mi	2/2.0 (-1)	840 (-14%)	6mo	$53,000	$63	56

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

Projected returns pro-forma

-0.52% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 50.3%
• Equity multiple: 3.44×
• Total profit: $34,096
• Equity at exit: $13,238

10-year hold

• IRR: 53.3%
• Equity multiple: 6.88×
• Total profit: $82,299
• Equity at exit: $14,925

Cash invested: $13,999 (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 75862

• Home prices YoY: -0.3%
• Active inventory: 468
• Price-to-rent: 3.6×

Monthly cashflow live

• Estimated rent: $1,163 medium
• Mortgage (P&I): −$262
• Tax from tax record: −$46 /mo · $550/yr
• Insurance: −$21
• HOA: −$13
• Vacancy / Maint / Mgmt: −$244
• Net cashflow: $577

Break-even live

Break-even rent $433

Max offer price $49,995

Occupancy floor 45%

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: $12,499
• Closing costs: $1,500
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $13 · $156/yr
• Likely covers: security

Listing history 9 events

1. 2026-05-31
   days on market $49,995 Active 270 DOM
2. 2026-05-30
   days on market $49,995 Active 269 DOM
3. 2026-01-29
   price $49,995 739-char remark

   Show marketing remark (739 chars)

   Escape to a serene retreat where you can build your ideal living space! This charming 3-bedroom, 1-bath mobile home is located in a highly desirable, gated community and offers a unique opportunity to own a piece of paradise. The property is one of a kind, boasting a spacious lot with mature trees that provide a sense of tranquility and plenty of shade. Relax and unwind on the large front porch, the perfect spot for your morning coffee or an evening with friends. You'll have exclusive access to the community's premium amenities, including a top-tier golf course just a stone's throw away. This home is a blank canvas, offering incredible potential in a sought-after location. Don't miss this rare chance to create your perfect haven.

4. 2025-09-03
   listed $59,995 Active 739-char remark

   Show marketing remark (739 chars)

   Escape to a serene retreat where you can build your ideal living space! This charming 3-bedroom, 1-bath mobile home is located in a highly desirable, gated community and offers a unique opportunity to own a piece of paradise. The property is one of a kind, boasting a spacious lot with mature trees that provide a sense of tranquility and plenty of shade. Relax and unwind on the large front porch, the perfect spot for your morning coffee or an evening with friends. You'll have exclusive access to the community's premium amenities, including a top-tier golf course just a stone's throw away. This home is a blank canvas, offering incredible potential in a sought-after location. Don't miss this rare chance to create your perfect haven.

5. 2024-09-03
   historical
6. 2023-10-03
   price $39,000
7. 2023-09-05
   price $59,000
8. 2023-06-05
   price $69,000
9. 2023-03-07
   listed $65,000 Active

ⓘ 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: $550 · $46/mo
• Projected year-2 tax: $915 · $76/mo
• Expected delta: +$365/yr (+$30/mo · 66.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥111°F today · 24 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 91% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,956
• − Mortgage interest: −$2,800
• − Property taxes: −$550
• − Insurance: −$250
• − Repairs & maintenance: −$1,116
• − Management: −$1,116
• − HOA: −$156
• − Depreciation: −$1,454
• Taxable income: $6,512
• Est. tax owed @ 24.0%: −$1,563
• After-tax cash flow: $5,360/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: Trinity ISD
• NCES district ID: 4843200
• Math proficiency: 27% ▼ -2.00%
• Reading proficiency: 29% ▲ 1.00%
• Median HH income: $37,104
• Composite: 23.31/100
• National rank: #7919
• State rank: #682 of 826 in TX

Livability — Westwood Shores

• Score: 62/100
• State rank: #914
• US rank: #16347

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Westwood Shores, TX
• Population (ZIP): 10,030

Population outlook (Trinity County) Hauer SSP2

• Today (2025): 13,746 people
• By 2030: 13,333 · -3.0%
• By 2040: 12,542 · -8.8%
• By 2050: 11,942 · -13.1%
• By 2075: 10,871 · -20.9%
• By 2100: 9,784 · -28.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 12% Black 10% Two or more races 7%
• Hispanic origin (detail): Mexican 11%
• Common ancestry: Lithuanian 3% Serbian 2% Slovak 2%
• Foreign-born: 4% · Canada
• Languages at home: 89% English-only · Spanish 9% French/Haitian/Cajun 2%

Political lean MEDSL · Trinity

• 2024 margin: Solid R (+67.0) · D 16.2% · R 83.2%
• 2008→2024 swing: -31.3pp toward R · 2008: -35.7pp · 2024: -67.0pp
• All cycles: 2024: R+67.0 2020: R+61.3 2016: R+59.9 2012: R+46.9 2008: R+35.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.52%
• Current HPI: 174.6638
• 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

-23.1% since first listed

7 events — show timeline

• 2026-01-29 Price Changed $49,995 HARMLS
• 2025-09-03 Listed $59,995 HARMLS
• 2024-09-03 Listing Removed — HARMLS
• 2023-10-03 Price Changed $39,000 HARMLS
• 2023-09-05 Price Changed $59,000 HARMLS
• 2023-06-05 Price Changed $69,000 HARMLS
• 2023-03-07 Listed $65,000 HARMLS

Property tax history

+7.4%/yr

Latest (2025): $550 · -3.2% YoY. Source: county tax records.