107 Donna Ln · Bacliff, TX 77518

$99,000

2 bd · 1.0 ba · 1,120 sqft · SingleFamily public records · 22 Days on market

Built 1972 4,599 sqft lot $88/sqft · 57% below area ↓ 6% 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
• Schools +5.0/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Water view opportunity in Bacliff just steps from Trinity Bay. This elevated home sits on stilts and offers 1,120 square feet of living space on a 4,599 square foot lot, located outside of the flood zone for added peace of mind. Featuring fresh interior paint and new flooring throughout, the home provides a solid starting point for buyers looking to personalize and add value. With a functional layout and natural light, this property is ideal for a first time home buyer or investor seeking a property with upside potential. Enjoy coastal living with bay views right across the street while still having convenient access to nearby dining, shopping, and major roadways. Property needs some TLC and is priced accordingly. Great opportunity for buyers looking to build equity in a growing area.

Key facts

• 4,599 sq ft lot
• Built 1972
• Listed 22 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $571 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $99k).
• Recommended offer: $98k (1.5% below list) — sets the bar for market timing.
• Cap rate 14.0% vs local median 5.1% in Bacliff — 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 57/100 on livability (#1,252 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D+, crime D, schools F.
• Market conditions: 62 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); 3,258 units permitted in Galveston County in 2024 (0 in 5+ unit buildings).
• This rent runs 41% of the median local income ($51k/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 $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Galveston County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($98k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $97,515 (1.5% below list)

Questions for the listing agent

1. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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: 1.78% ✓
• Cap rate: 14.02%
• Cash-on-cash: 27.61%
• DSCR: 2.23
• GRM: 4.7

CMA / ARV

• ARV (median comp): $231,319
• List price: $99,000
• Delta: -57.20%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 Donna Ln	0.00mi	2/1.0	1,120 (0%)	1mo	$99,000	$88	99
4743 6th St	0.74mi	2/1.0	1,152 (+3%)	4mo	$135,000	$117	57
4446 1st St	0.70mi	2/1.0	1,024 (-9%)	22mo	$125,500	$123	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.2%
• Equity multiple: 1.74×
• Total profit: $20,458
• Equity at exit: $14,761

10-year hold

• IRR: 26.7%
• Equity multiple: 3.35×
• Total profit: $65,124
• Equity at exit: $8,560

Cash invested: $27,720 (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 77518

• Home prices YoY: -7.6%
• Active inventory: 62
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,765 medium
• Mortgage (P&I): −$519
• Tax from tax record: −$196 /mo · $2,352/yr
• Insurance: −$41
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$371
• Net cashflow: $571

Break-even live

Break-even rent $1,042

Max offer price $99,000

Occupancy floor 63%

Sensitivity live

Price	-10% $627	-5% $599	+0% $571	+5% $543	+10% $515
Rent	-10% $432	-5% $502	+0% $571	+5% $641	+10% $711
Rate	-1.0pp $621	-0.5pp $597	base $571	+0.5pp $546	+1.0pp $520

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
339 Sea Breeze Dr Bacliff, TX	3.0	2.5	1456	$1,985	$1.36	5d	1	0.37mi
804 E AVE Unit 2 Bacliff, TX	2.0	1.0	850	$1,100	$1.29	45d	1	0.75mi
320 Louisiana Ave Bacliff, TX	2.0	1.0	786	$2,150	$2.74	0d	1	1.23mi

Listing history 8 events

1. 2026-05-14
   status Pending 804-char remark

   Show marketing remark (804 chars)

   Water view opportunity in Bacliff just steps from Trinity Bay. This elevated home sits on stilts and offers 1,120 square feet of living space on a 4,599 square foot lot, located outside of the flood zone for added peace of mind. Featuring fresh interior paint and new flooring throughout, the home provides a solid starting point for buyers looking to personalize and add value. With a functional layout and natural light, this property is ideal for a first time home buyer or investor seeking a property with upside potential. Enjoy coastal living with bay views right across the street while still having convenient access to nearby dining, shopping, and major roadways. Property needs some TLC and is priced accordingly. Great opportunity for buyers looking to build equity in a growing area.

2. 2026-05-06
   status Pending 804-char remark

   Show marketing remark (804 chars)

   Water view opportunity in Bacliff just steps from Trinity Bay. This elevated home sits on stilts and offers 1,120 square feet of living space on a 4,599 square foot lot, located outside of the flood zone for added peace of mind. Featuring fresh interior paint and new flooring throughout, the home provides a solid starting point for buyers looking to personalize and add value. With a functional layout and natural light, this property is ideal for a first time home buyer or investor seeking a property with upside potential. Enjoy coastal living with bay views right across the street while still having convenient access to nearby dining, shopping, and major roadways. Property needs some TLC and is priced accordingly. Great opportunity for buyers looking to build equity in a growing area.

3. 2026-04-27
   price $99,000 804-char remark

   Show marketing remark (804 chars)

   Water view opportunity in Bacliff just steps from Trinity Bay. This elevated home sits on stilts and offers 1,120 square feet of living space on a 4,599 square foot lot, located outside of the flood zone for added peace of mind. Featuring fresh interior paint and new flooring throughout, the home provides a solid starting point for buyers looking to personalize and add value. With a functional layout and natural light, this property is ideal for a first time home buyer or investor seeking a property with upside potential. Enjoy coastal living with bay views right across the street while still having convenient access to nearby dining, shopping, and major roadways. Property needs some TLC and is priced accordingly. Great opportunity for buyers looking to build equity in a growing area.

4. 2026-04-21
   listed $105,000 Active 804-char remark

   Show marketing remark (804 chars)

   Water view opportunity in Bacliff just steps from Trinity Bay. This elevated home sits on stilts and offers 1,120 square feet of living space on a 4,599 square foot lot, located outside of the flood zone for added peace of mind. Featuring fresh interior paint and new flooring throughout, the home provides a solid starting point for buyers looking to personalize and add value. With a functional layout and natural light, this property is ideal for a first time home buyer or investor seeking a property with upside potential. Enjoy coastal living with bay views right across the street while still having convenient access to nearby dining, shopping, and major roadways. Property needs some TLC and is priced accordingly. Great opportunity for buyers looking to build equity in a growing area.

5. 2026-04-21
   historical $105,000 804-char remark

   Show marketing remark (804 chars)

   Water view opportunity in Bacliff just steps from Trinity Bay. This elevated home sits on stilts and offers 1,120 square feet of living space on a 4,599 square foot lot, located outside of the flood zone for added peace of mind. Featuring fresh interior paint and new flooring throughout, the home provides a solid starting point for buyers looking to personalize and add value. With a functional layout and natural light, this property is ideal for a first time home buyer or investor seeking a property with upside potential. Enjoy coastal living with bay views right across the street while still having convenient access to nearby dining, shopping, and major roadways. Property needs some TLC and is priced accordingly. Great opportunity for buyers looking to build equity in a growing area.

6. 2026-03-30
   soldstatus
7. 2017-09-07
   soldstatus
8. 2003-10-10
   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: $2,352 · $196/mo
• Projected year-2 tax: $2,352 · $196/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 7/10 Severe FEMA zone X (shaded) · 76% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 26 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% 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: $21,178
• − Mortgage interest: −$5,546
• − Property taxes: −$2,352
• − Insurance: −$1,292
• − Repairs & maintenance: −$1,694
• − Management: −$1,694
• − Depreciation: −$2,880
• Taxable income: $5,719
• Est. tax owed @ 24.0%: −$1,373
• After-tax cash flow: $5,483/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)

No district data.

Livability — Bacliff

• Score: 57/100
• State rank: #1252
• US rank: #21864

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bacliff, TX
• County: Galveston County · 357,330 people
• City population: 9,541
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 9,541
• Household income: $51,458
• Rent vs Own: 38.2% rent · 61.8% own
• Severe rent burden: 672.0

Population outlook (Galveston County) Hauer SSP2

• Today (2025): 390,640 people
• By 2030: 425,226 · +8.9%
• By 2040: 493,765 · +26.4%
• By 2050: 559,698 · +43.3%
• By 2075: 719,260 · +84.1%
• By 2100: 819,628 · +109.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: Hispanic / Latino 46% White 43% Two or more races 21% Black 7% Asian 2% Native American 1%
• Hispanic origin (detail): Mexican 31%
• Common ancestry: Slovak 3% Lithuanian 2% Romanian 1%
• Foreign-born: 15% · Canada, Vietnam, China
• Languages at home: 66% English-only · Spanish 32% Vietnamese 1%

Political lean MEDSL · Galveston

• 2024 margin: Strong R (+27.4) · D 35.7% · R 63.1% · Other 1.2%
• 2008→2024 swing: -7.9pp toward R · 2008: -19.5pp · 2024: -27.4pp
• All cycles: 2024: R+27.4 2020: R+22.6 2016: R+22.6 2012: R+26.9 2008: R+19.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -24.15%
• Current HPI: 293.2677
• Rent YoY: —
• Metro: Houston-The Woodlands-Sugar Land, 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

-5.7% since first listed

8 events — show timeline

• 2026-05-14 Pending — HARMLS
• 2026-05-06 Pending — HARMLS
• 2026-04-27 Price Changed $99,000 HARMLS
• 2026-04-21 Listed $105,000 HARMLS
• 2026-04-21 Coming Soon $105,000 HARMLS
• 2026-03-30 Sold (Public Records) — Public Records
• 2017-09-07 Sold (Public Records) — Public Records
• 2003-10-10 Sold (Public Records) — Public Records

Property tax history

+3.8%/yr

Latest (2025): $2,352 · +12.6% YoY. Source: county tax records.