19177 Wildoak Ln · Ponchatoula, LA 70454

$135,000

3 bd · 2.0 ba · 1,266 sqft · SingleFamily public records · 42 Days on market

Built 1998 0.94 ac lot $107/sqft · 40% below area Est $240k · 44% under

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.1/10.0
• Livability +3.4/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

3 Bedroom / 2 Full Bath home located along quiet street on approx. 1 acre lot! The home features a front porch, large rear covered patio overlooking backyard, gas fireplace, and much more! The home will need updating and misc. repairs, but is priced right for either the investor or owner/occupant looking for a fixer-upper at an affordable price! Sold in As-Is condition. Seller will not make any repairs. This opportunity won't last long! Call your agent today to schedule your private viewing.

Key facts

• 0.94 acre lot
• Parking
• Built 1998

Property features AI

Exterior

• Parking: Driveway
• Utilities: Public water; Septic tank sewer
• Home design: Single-story home; Asphalt shingle roof; Built on a slab foundation; Average condition
• Construction: Slab foundation; Asphalt shingle roof
• Exterior features: Covered concrete patio/porch; Outside city limits; Oversized lot (approximately 0.94 acres); Lot dimensions about 189 x 216

Interior

• Bedrooms: Total rooms: 6
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central air conditioning; Heating present
• Interior features: Tray ceilings; Gas fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $530 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Recommended offer: $131k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.1% vs local median 5.2% in Ponchatoula — 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 68/100 on livability (#91 in LA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A-; Watch: employment D, crime D-, amenities F.
• Tangipahoa Parish (rural): math 18% / reading 29% proficiency, ranked #63 of 98 in LA (top 64%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 73% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 527 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 1,085 units permitted in Tangipahoa Parish in 2024 (378 in 5+ unit buildings).
• This rent runs 32% of the median local income ($72k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Tangipahoa County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.7% rent growth), your $38k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($131k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 24y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $130,950 (3.0% below list)

Questions for the listing agent

1. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. Crime grade is D 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?
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: 1.41% ✓
• Cap rate: 12.11%
• Cash-on-cash: 20.79%
• DSCR: 1.92
• GRM: 5.9

CMA / ARV

• ARV (median comp): $240,165
• List price: $135,000
• Delta: -43.79%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
19252 Wildoak Ln	0.15mi	3/2.5	1,389 (+10%)	4mo	$244,999	$176	72
40311 Saucier Rd	0.56mi	3/2.0	1,232 (-3%)	15mo	$175,266	$142	57
40178 Saucier Rd	0.75mi	3/2.0	1,295 (+2%)	16mo	$58,000	$45	48
20044 Elijah Bnd	0.70mi	3/2.0	1,424 (+12%)	0mo	$241,900	$170	46
20073 Elijah Bnd	0.74mi	3/2.0	1,321 (+4%)	17mo	$205,000	$155	44

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 · 0.66% rent growth · sell at horizon

5-year hold

• IRR: 5.3%
• Equity multiple: 1.20×
• Total profit: $7,536
• Equity at exit: $20,129

10-year hold

• IRR: 12.4%
• Equity multiple: 1.88×
• Total profit: $33,096
• Equity at exit: $11,672

Cash invested: $37,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Louisiana: 90 Strongly Landlord-Friendly · R+12
• County: — inherits STATE
• City: — inherits STATE

5-day notice; no state rent control; civil-law jurisdiction; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 70454

• Rents YoY: 0.7%
• Active inventory: 527
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,900 medium
• Mortgage (P&I): −$708
• Tax from tax record: −$82 /mo · $979/yr
• Insurance: −$56
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$399
• Net cashflow: $530

Break-even live

Break-even rent $1,229

Max offer price $135,000

Occupancy floor 67%

Sensitivity live

Price	-10% $606	-5% $568	+0% $530	+5% $491	+10% $453
Rent	-10% $380	-5% $455	+0% $530	+5% $605	+10% $680
Rate	-1.0pp $598	-0.5pp $564	base $530	+0.5pp $495	+1.0pp $459

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
816 Decatur St Unit A Ponchatoula, LA	3.0	2.0	1567	$1,850	$1.18	45d	1	1.23mi
19216 Dr John Lambert Dr Hammond, LA	1.0–3.0	1.0–2.0	995	$1,808	$1.82	15d	10	1.33mi

Listing history 30 events

1. 2026-06-21
   days on market $135,000 Active 42 DOM
2. 2026-06-19
   days on market $135,000 Active 40 DOM
3. 2026-06-18
   days on market $135,000 Active 39 DOM
4. 2026-06-17
   days on market $135,000 Active 38 DOM
5. 2026-06-16
   days on market $135,000 Active 37 DOM
6. 2026-06-15
   days on market $135,000 Active 36 DOM
7. 2026-06-14
   days on market $135,000 Active 34 DOM
8. 2026-06-13
   days on market $135,000 Active 33 DOM
9. 2026-06-10
   pricedays on market $135,000 Active 31 DOM
10. 2026-06-09
    days on market $145,000 Active 30 DOM

    Show marketing remark (496 chars)

    3 Bedroom / 2 Full Bath home located along quiet street on approx. 1 acre lot! The home features a front porch, large rear covered patio overlooking backyard, gas fireplace, and much more! The home will need updating and misc. repairs, but is priced right for either the investor or owner/occupant looking for a fixer-upper at an affordable price! Sold in As-Is condition. Seller will not make any repairs. This opportunity won't last long! Call your agent today to schedule your private viewing.

11. 2026-06-08
    days on market $145,000 Active 29 DOM
12. 2026-06-07
    days on market $145,000 Active 28 DOM
13. 2026-06-05
    days on market $145,000 Active 25 DOM
14. 2026-06-03
    days on market $145,000 Active 24 DOM
15. 2026-06-02
    days on market $145,000 Active 23 DOM
16. 2026-06-01
    days on market $145,000 Active 22 DOM
17. 2026-05-31
    days on market $145,000 Active 21 DOM
18. 2026-05-30
    days on market $145,000 Active 20 DOM
19. 2026-05-06
    listed $145,000 Active 499-char remark

    Show marketing remark (496 chars)

    3 Bedroom / 2 Full Bath home located along quiet street on approx. 1 acre lot! The home features a front porch, large rear covered patio overlooking backyard, gas fireplace, and much more! The home will need updating and misc. repairs, but is priced right for either the investor or owner/occupant looking for a fixer-upper at an affordable price! Sold in As-Is condition. Seller will not make any repairs. This opportunity won't last long! Call your agent today to schedule your private viewing.

20. 2026-05-06
    listed $145,000 Active 496-char remark

    Show marketing remark (496 chars)

    3 Bedroom / 2 Full Bath home located along quiet street on approx. 1 acre lot! The home features a front porch, large rear covered patio overlooking backyard, gas fireplace, and much more! The home will need updating and misc. repairs, but is priced right for either the investor or owner/occupant looking for a fixer-upper at an affordable price! Sold in As-Is condition. Seller will not make any repairs. This opportunity won't last long! Call your agent today to schedule your private viewing.

21. 2023-09-20
    listed $98,000
22. 2007-03-16
    soldstatus $165,000
23. 2007-03-16
    soldstatus $165,000
24. 2007-03-14
    soldstatus $165,000
25. 2006-11-26
    listed $165,000
26. 2006-11-26
    listed $165,000
27. 2002-07-10
    soldstatus $101,900
28. 2002-07-03
    soldstatus $101,900
29. 2002-02-27
    listed $99,900
30. 2002-02-27
    listed $99,900

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

Tax reassessment forecast LA · Resets to sale price

• Current annual tax: $979 · $82/mo
• Projected year-2 tax: $979 · $82/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 6/10 Major FEMA zone A · 67% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,794
• − Mortgage interest: −$7,562
• − Property taxes: −$979
• − Insurance: −$2,178
• − Repairs & maintenance: −$1,824
• − Management: −$1,824
• − Depreciation: −$3,927
• Taxable income: $4,501
• Est. tax owed @ 24.0%: −$1,080
• After-tax cash flow: $5,275/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: Tangipahoa Parish
• NCES district ID: 2201680
• Math proficiency: 18% ▼ -32.00%
• Reading proficiency: 29% ▼ -31.00%
• Median HH income: $41,283
• Composite: 19.94/100
• National rank: #8676
• State rank: #63 of 98 in LA

Livability — Ponchatoula

• Score: 68/100
• State rank: #91
• US rank: #9755

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Tangipahoa Parish · 85,958 people
• City population: 34,564
• Metro: Hammond, LA
• Population (ZIP): 34,564
• Household income: $71,611
• Rent vs Own: 16.3% rent · 83.7% own
• Severe rent burden: 479.0

Population outlook (Tangipahoa County) Hauer SSP2

• Today (2025): 144,204 people
• By 2030: 151,413 · +5.0%
• By 2040: 164,374 · +14.0%
• By 2050: 175,427 · +21.7%
• By 2075: 195,165 · +35.3%
• By 2100: 201,641 · +39.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Black 16% Two or more races 8% Hispanic / Latino 8%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Lithuanian 15% Slovak 1% Portuguese 1%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 5%

Political lean MEDSL · Tangipahoa

• 2024 margin: Solid R (+37.4) · D 30.6% · R 68.0% · Other 1.3%
• 2008→2024 swing: -6.5pp toward R · 2008: -30.9pp · 2024: -37.4pp
• All cycles: 2024: R+37.4 2020: R+32.8 2016: R+32.6 2012: R+27.7 2008: R+30.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -83.55%
• Current HPI: 129.6069
• Rent YoY: ▲ 0.66%
• Metro: Hammond, LA
• State GDP YoY: ▲ 3.29%
• F500 in state: 10

Industry mix (Fortune 500 HQ in LA)

Industry	F500 HQs	Revenue
▸Telecommunications	2	$23B
▸Utilities	1	$12B
▸Wholesale / Distribution	1	$5B
▸Advertising	1	$2B

Price history

+35.1% since first listed

14 events — show timeline

• 2026-06-09 Price Changed $135,000 AcadianaMLS
• 2026-06-09 Price Changed $135,000 GSREIN
• 2026-05-06 Listed $145,000 GSREIN
• 2026-05-06 Listed $145,000 AcadianaMLS
• 2023-09-20 Listed $98,000 AcadianaMLS
• 2007-03-16 Sold (Public Records) $165,000 Public Records
• 2007-03-16 Sold (Public Records) $165,000 Public Records
• 2007-03-14 Sold (MLS) $165,000 GSREIN
• 2006-11-26 Listed $165,000 AcadianaMLS
• 2006-11-26 Listed $165,000 GSREIN
• 2002-07-10 Sold (Public Records) $101,900 Public Records
• 2002-07-03 Sold (MLS) $101,900 GSREIN
• 2002-02-27 Listed $99,900 GSREIN
• 2002-02-27 Listed $99,900 AcadianaMLS

Property tax history

+0.7%/yr

Latest (2025): $979 · +1.0% YoY. Source: county tax records.