19177 Wildoak Ln · Ponchatoula, LA 70454

$130,000

3 bd · 2.0 ba · 1,266 sqft · SingleFamily public records · 87 Days on market

Built 1998 Fair condition 0.94 ac lot $103/sqft · 43% below area Est $243k · 47% 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 +9.7/10.0
• Livability +3.4/5.0
• Schools +3.1/10.0
• Rent growth +2.7/5.0
• Condition / age +2.2/5.0
• 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

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $130k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $572 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $122k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.7% vs local median 5.5% 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.
• Zoned schools: Tucker Memorial Elementary School (709 students, 67% FRL); Ponchatoula Junior High School (math 18% / reading 37%, grade F, #127 of 218 statewide, top 60%, 770 students, 60% FRL); Ponchatoula High School (math 29% / reading 40%, grade F, #106 of 265 statewide, top 43%, 2,262 students, 51% FRL).
• Market conditions: Rents flat; 628 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 $899 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 $36k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 87 days — a 6% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 24y ago; this cycle's ask has dropped $15k (10%) 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 $122,200 (6.0% below list)

Questions for the listing agent

1. It's been on market 87 days. Have you received any prior offers? Is the seller open to a 6% 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 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?
7. 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?
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: 1.47% ✓
• Cap rate: 12.73%
• Cash-on-cash: 22.98%
• DSCR: 2.02
• GRM: 5.7

CMA / ARV

• ARV (median comp): $243,450
• List price: $130,000
• Delta: -46.60%
• 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%)	5mo	$244,999	$176	70
40311 Saucier Rd	0.56mi	3/2.0	1,232 (-3%)	16mo	$175,266	$142	56
40178 Saucier Rd	0.75mi	3/2.0	1,295 (+2%)	17mo	$58,000	$45	47
20044 Elijah Bnd	0.70mi	3/2.0	1,424 (+12%)	2mo	$241,900	$170	45
20073 Elijah Bnd	0.74mi	3/2.0	1,321 (+4%)	19mo	$205,000	$155	42

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: 7.9%
• Equity multiple: 1.30×
• Total profit: $11,005
• Equity at exit: $19,383

10-year hold

• IRR: 15.0%
• Equity multiple: 2.08×
• Total profit: $39,444
• Equity at exit: $11,240

Cash invested: $36,400 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 3 active · 4 under contract
• Months of supply: 3.6 mo (28%/mo absorbed)
• Median asking: $234,900 ($165/sqft)
• Median days on market: 25 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +16.6% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 70454

• Rents YoY: 0.7%
• Active inventory: 628
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,917 medium
• Mortgage (P&I): −$682
• Tax from tax record: −$82 /mo · $979/yr
• Insurance: −$54
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$403
• Net cashflow: $572

Break-even live

Break-even rent $1,193

Max offer price $130,000

Occupancy floor 65%

Sensitivity live

Price	-10% $646	-5% $609	+0% $572	+5% $535	+10% $498
Rent	-10% $420	-5% $496	+0% $572	+5% $648	+10% $723
Rate	-1.0pp $637	-0.5pp $605	base $572	+0.5pp $538	+1.0pp $504

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: $32,500
• Closing costs: $3,900
• Club membership (one-time): —
• 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	93d	1	1.23mi
19216 Dr John Lambert Dr Hammond, LA	1.0–3.0	1.0–2.0	995	$1,883	$1.89	16d	17	1.33mi

Property features AI

Exterior

• Parking: Driveway
• Utilities: Public waterSeptic tank sewer
• Home design: Single-story homeAsphalt shingle roofBuilt on a slab foundationAverage condition
• Construction: Slab foundationAsphalt shingle roof
• Exterior features: Covered concrete patio/porchOutside city limitsOversized lot (approximately 0.94 acres)Lot dimensions about 189 x 216

Interior

• Bedrooms: Total rooms: 6
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central air conditioningHeating present
• Interior features: Tray ceilingsGas fireplace

Listing history 50 events

1. 2026-08-08
   days on market $130,000 Active 87 DOM
2. 2026-08-07
   days on market $130,000 Active 86 DOM
3. 2026-08-06
   days on market $130,000 Active 85 DOM
4. 2026-08-05
   days on market $130,000 Active 84 DOM
5. 2026-08-04
   days on market $130,000 Active 83 DOM
6. 2026-08-03
   days on market $130,000 Active 82 DOM
7. 2026-07-31
   days on market $130,000 Active 79 DOM
8. 2026-07-30
   days on market $130,000 Active 78 DOM
9. 2026-07-29
   days on market $130,000 Active 77 DOM
10. 2026-07-27
    days on market $130,000 Active 75 DOM
11. 2026-07-25
    days on market $130,000 Active 73 DOM
12. 2026-07-24
    days on market $130,000 Active 72 DOM
13. 2026-07-23
    days on market $130,000 Active 71 DOM
14. 2026-07-22
    days on market $130,000 Active 70 DOM
15. 2026-07-21
    days on market $130,000 Active 69 DOM
16. 2026-07-18
    days on market $130,000 Active 66 DOM
17. 2026-07-16
    days on market $130,000 Active 64 DOM
18. 2026-07-16
    days on market $130,000 Active 63 DOM
19. 2026-07-14
    days on market $130,000 Active 62 DOM
20. 2026-07-13
    days on market $130,000 Active 61 DOM
21. 2026-07-12
    days on market $130,000 Active 60 DOM
22. 2026-07-11
    days on market $130,000 Active 59 DOM
23. 2026-07-10
    days on market $130,000 Active 58 DOM
24. 2026-07-10
    price $130,000 Active 57 DOM
25. 2026-07-09
    days on market $135,000 Active 57 DOM
26. 2026-07-08
    days on market $135,000 Active 56 DOM
27. 2026-07-04
    days on market $135,000 Active 55 DOM
28. 2026-07-03
    days on market $135,000 Active 54 DOM
29. 2026-07-02
    days on market $135,000 Active 53 DOM
30. 2026-07-01
    days on market $135,000 Active 52 DOM
31. 2026-06-30
    days on market $135,000 Active 51 DOM
32. 2026-06-29
    days on market $135,000 Active 50 DOM
33. 2026-06-28
    days on market $135,000 Active 49 DOM
34. 2026-06-28
    days on market $135,000 Active 48 DOM
35. 2026-06-27
    days on market $135,000 Active 47 DOM
36. 2026-06-26
    days on market $135,000 Active 46 DOM
37. 2026-06-23
    days on market $135,000 Active 43 DOM
38. 2026-06-21
    days on market $135,000 Active 42 DOM
39. 2026-06-19
    days on market $135,000 Active 40 DOM
40. 2026-06-18
    days on market $135,000 Active 39 DOM
41. 2026-06-17
    days on market $135,000 Active 38 DOM
42. 2026-06-16
    days on market $135,000 Active 37 DOM
43. 2026-06-15
    days on market $135,000 Active 36 DOM
44. 2026-06-14
    days on market $135,000 Active 34 DOM
45. 2026-06-13
    days on market $135,000 Active 33 DOM
46. 2026-06-10
    pricedays on market $135,000 Active 31 DOM
47. 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.

48. 2026-06-08
    days on market $145,000 Active 29 DOM
49. 2026-06-07
    days on market $145,000 Active 28 DOM
50. 2026-06-05
    days on market $145,000 Active 25 DOM

ⓘ 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: $23,007
• − Mortgage interest: −$7,282
• − Property taxes: −$979
• − Insurance: −$2,152
• − Repairs & maintenance: −$1,841
• − Management: −$1,841
• − Depreciation: −$3,782
• Taxable income: $5,130
• Est. tax owed @ 24.0%: −$1,231
• After-tax cash flow: $5,632/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 · 9 photos

Fair 45/100 Moderate rehab Est. rehab $31,650–$56,970 screening

This home is in fair condition with some repairs and maintenance needed. Painting and updating the bathrooms can significantly increase its value.

Components & finishes AI

Roof asphalt shingle · good Flooring tile

Deferred maintenance Est. $2,500–$10,000 screening

• Minor Roof (roof) — No visible signs of damage or wear on the roof.
• Minor Windows (windows) — No visible signs of damage or wear on the windows.
• Minor Electrical (electrical) — No visible signs of damage or wear on the electrical system.
• Minor Plumbing (plumbing) — No visible signs of damage or wear on the plumbing.
• Minor Exterior (exterior) — No visible signs of damage or wear on the exterior.

Repairs flagged

• Major Paint — The interior walls and paint show significant wear and tear, with peeling paint and uneven surfaces.
• Major Bathroom Fixtures — The bathrooms appear to be in poor condition with outdated fixtures and fixtures in need of replacement.

Value-add opportunities

• Both Painting the interior and exterior — Painting the interior and exterior can significantly improve the home's curb appeal and value. ↑
• Both Updating the bathrooms — Updating the bathrooms with new fixtures and finishes can greatly increase the home's value and appeal. ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 31/100

Zoned Schools

Elementary Tucker Memorial Elementary School Middle Ponchatoula Junior High School F LA #127/218 Nat'l #9,659/14,009 High Ponchatoula High School F LA #106/265 Nat'l #9,639/17,239

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

C Composite livability gradescore 68/100

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 · 144,204 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: 2% of renters

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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%

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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%

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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

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Industry mix (Fortune 500 HQ in LA)

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

Property features AI

Exterior

• Parking: Driveway
• Utilities: Public waterSeptic tank sewer
• Home design: Single-story homeAsphalt shingle roofBuilt on a slab foundationAverage condition
• Construction: Slab foundationAsphalt shingle roof
• Exterior features: Covered concrete patio/porchOutside city limitsOversized lot (approximately 0.94 acres)Lot dimensions about 189 x 216

Interior

• Bedrooms: Total rooms: 6
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central air conditioningHeating present
• Interior features: Tray ceilingsGas fireplace

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.