2910 Dowling St · West Orange, TX
Flood risk 7/10 · Major
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.66%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 9/10 · Severe
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C- 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 +20.3/30.0
- DSCR +6.4/10.0
- ARV discount +6.4/15.0
- Appreciation +5.5/10.0
- 1% rule +5.0/10.0
- Rent growth +3.9/5.0
- Livability +3.0/5.0
- Condition / age +2.5/5.0
- Schools +1.6/10.0
$135,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome to this newly remodeled home within walking distance to WOS High! This 3 bedroom, 1.5 bath home has been completely refreshed and is move-in ready! Inside you’ll find new flooring, updated bathrooms, brand new kitchen cabinets and appliances, mini-split units for heating & cooling, new light fixtures, blinds, and a brand new water heater! Outside features a 1-car garage, spacious utility room, fresh landscaping, and a new back patio deck perfect for relaxing or entertaining! Located near Chevron and several major plants, plus shopping, restaurants, and everyday conveniences. Perfect for a starter home or investment property. Call your favorite agent for a showing!
Key facts
- New flooring
- Updated bathrooms
- New kitchen cabinets
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.5-bath single-family listed at $136k.
Deal economics
- At list price, monthly cash flow is $107 ($1k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $135k (0.4% below list).
- Recommended offer: $124k (9.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 60/100 on livability (#1,075 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, health & safety A; Watch: crime C-, amenities F, commute F.
- West Orange-Cove CISD (suburban): math 17% / reading 21% proficiency, ranked #784 of 826 in TX (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: West Orange-Stark El (math 14% / reading 17%, grade F, #3,990 of 4,322 statewide, top 93%, 1,130 students, 94% FRL); West Orange-Stark Middle (math 20% / reading 20%, grade F, #1,428 of 1,662 statewide, top 87%, 505 students, 92% FRL); West Orange-Stark H S (math 19% / reading 31%, grade F, #1,250 of 1,632 statewide, top 77%, 660 students, 88% FRL).
- Market conditions: Rents rising fast (+5.7%/yr); 338 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; 235 units permitted in Orange County in 2024 (50 in 5+ unit buildings).
Forward outlook
- In year one you build about $2k of equity ($940 loan paydown + $1k appreciation (1.0% local appreciation)).
- Orange County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
- At projected returns (1.0% appreciation + 5.7% rent growth), your $38k cash investment doubles in ~7 years — after that, you're playing with house money.
Negotiation context
- It's been on market 100 days — a 9% lower offer ($124k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Watch-outs: flood insurance adds $66/mo; built in 1941 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 100 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Built in 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- 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.
- 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.
- 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
- 1.00% ✗
- Cap rate
- 7.82%
- Cash-on-cash
- 5.46%
- DSCR
- 1.24
- GRM
- 8.4
CMA / ARV
- ARV (median comp)
- $132,800
- List price
- $135,900
- Delta
- 2.33%
- Verdict
- FAIR
- Comps
- 15 within 1.0 mi
Show comp detail 4 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1527 Buffalo Ave | 0.40mi | 3/1.0 | 1,098 (-2%) | 22mo | $139,900 | $127 | 57 |
| 1536 Mustang Ave | 0.46mi | 3/1.0 | 1,040 (-7%) | 14mo | $95,000 | $91 | 52 |
| 2705 Terrace Cir | 0.55mi | 3/1.5 | 1,240 (+11%) | 9mo | $139,900 | $113 | 49 |
| 3020 Western Ave | 0.46mi | 2/1.0 (-1) | 990 (-12%) | 4mo | $132,800 | $134 | 48 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
1.01% appreciation · 5.71% rent growth · sell at horizon
- IRR
- 6.7%
- Equity multiple
- 1.35×
- Total profit
- $13,232
- Equity at exit
- $46,464
- IRR
- 12.6%
- Equity multiple
- 2.64×
- Total profit
- $62,459
- Equity at exit
- $61,801
Cash invested: $38,052 (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
ZIP-level market 77630
- Home prices YoY
- 0.4%
- Rents YoY
- 5.7%
- Active inventory
- 338
- Price-to-rent
- 8.4×
Monthly cashflow live
- Estimated rent
- $1,353 high interval (Pro) →
- Mortgage (P&I)
- −$713
- Tax from tax record
- −$126 /mo · $1,515/yr
- Insurance
- −$57
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$284
- Net cashflow
- $107
Break-even live
Sensitivity live
| Price | -10% $184 | -5% $145 | +0% $107 | +5% $68 | +10% $30 |
|---|---|---|---|---|---|
| Rent | -10% $0 | -5% $53 | +0% $107 | +5% $160 | +10% $214 |
| Rate | -1.0pp $175 | -0.5pp $141 | base $107 | +0.5pp $72 | +1.0pp $36 |
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
- $33,975
- Closing costs
- $4,077
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 16 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1543 Alamo St West Orange, TX | 3.0 | 1.0 | 1170 | $1,200 | $1.03 | 15d | 1 | 0.34mi |
| 309 Quincy St West Orange, TX | 3.0 | 1.5 | 1113 | $1,200 | $1.08 | 15d | 1 | 0.44mi |
| 406 Dayton St West Orange, TX | 2.0 | 1.0 | 1350 | $1,200 | $0.89 | 45d | 1 | 1.02mi |
| 2602 Tanglewood St West Orange, TX | 4.0 | 2.0 | 1306 | $1,250 | $0.96 | 15d | 1 | 1.04mi |
| 205 Gloria St West Orange, TX | 3.0 | 2.0 | 1225 | $1,300 | $1.06 | 45d | 1 | 1.05mi |
| 206 Florence St Orange, TX | 2.0 | 1.0 | 1216 | $1,425 | $1.17 | 45d | 1 | 1.08mi |
| 210 Florence St Orange, TX | 3.0 | 1.0 | 1064 | $1,425 | $1.34 | 45d | 1 | 1.10mi |
| 3726 Bowling Ln Orange, TX | 3.0 | 1.0 | 1045 | $1,150 | $1.10 | 45d | 1 | 1.24mi |
| 107 Dahlia St Orange, TX | 3.0 | 1.0 | 1149 | $1,300 | $1.13 | 15d | 1 | 1.25mi |
| 302 Bridal Wreath Ave Orange, TX | 3.0 | 1.0 | 1182 | $1,195 | $1.01 | 45d | 1 | 1.27mi |
| 101 Azalea Ave Unit A Orange, TX | 3.0 | 1.0 | 1200 | $2,000 | $1.67 | 45d | 1 | 1.28mi |
| 310 Camellia Ave Orange, TX | 3.0 | 1.0 | 988 | $1,295 | $1.31 | 22d | 1 | 1.35mi |
| 403 Bluebonnet Dr Orange, TX | 3.0 | 1.0 | 1196 | $1,300 | $1.09 | 45d | 1 | 1.35mi |
| 3000 MacArthur Dr Orange, TX | 3.0 | 1.0–2.0 | 791 | $1,330 | $1.68 | 15d | 12 | 1.35mi |
| 1010 Highway 87 S Orange, TX | 1.0–3.0 | 1.0–2.0 | 880 | $1,425 | $1.62 | 15d | 13 | 1.42mi |
| 316 Old Timers Rd Unit 316 Orange, TX | 3.0 | 2.0 | 1200 | $1,595 | $1.33 | 45d | 1 | 1.49mi |
Listing history 25 events
-
2026-06-21days on market $135,900 Active 100 DOM
-
2026-06-18days on market $135,900 Active 97 DOM
-
2026-06-17days on market $135,900 Active 96 DOM
-
2026-06-16days on market $135,900 Active 95 DOM
-
2026-06-15days on market $135,900 Active 94 DOM
-
2026-06-14days on market $135,900 Active 92 DOM
-
2026-06-13days on market $135,900 Active 91 DOM
-
2026-06-10days on market $135,900 Active 89 DOM
-
2026-06-09days on market $135,900 Active 88 DOM
-
2026-06-08days on market $135,900 Active 87 DOM
-
2026-06-07days on market $135,900 Active 86 DOM
-
2026-06-03days on market $135,900 Active 82 DOM
-
2026-06-02days on market $135,900 Active 81 DOM
-
2026-06-01days on market $135,900 Active 80 DOM
-
2026-05-31days on market $135,900 Active 79 DOM
-
2026-05-30days on market $135,900 Active 78 DOM
-
2026-04-09price $135,900 692-char remark
Show marketing remark (692 chars)
Welcome to this newly remodeled home within walking distance to WOS High! This 3 bedroom, 1.5 bath home has been completely refreshed and is move-in ready! Inside you’ll find new flooring, updated bathrooms, brand new kitchen cabinets and appliances, mini-split units for heating & cooling, new light fixtures, blinds, and a brand new water heater! Outside features a 1-car garage, spacious utility room, fresh landscaping, and a new back patio deck perfect for relaxing or entertaining! Located near Chevron and several major plants, plus shopping, restaurants, and everyday conveniences. Perfect for a starter home or investment property. Call your favorite agent for a showing!
-
2026-03-14$139,900 Active 692-char remark
Show marketing remark (692 chars)
Welcome to this newly remodeled home within walking distance to WOS High! This 3 bedroom, 1.5 bath home has been completely refreshed and is move-in ready! Inside you’ll find new flooring, updated bathrooms, brand new kitchen cabinets and appliances, mini-split units for heating & cooling, new light fixtures, blinds, and a brand new water heater! Outside features a 1-car garage, spacious utility room, fresh landscaping, and a new back patio deck perfect for relaxing or entertaining! Located near Chevron and several major plants, plus shopping, restaurants, and everyday conveniences. Perfect for a starter home or investment property. Call your favorite agent for a showing!
-
2025-12-31soldstatus
-
2025-12-30soldstatus Closed 305-char remark
Show marketing remark (305 chars)
This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.
-
2025-11-19status Pending 305-char remark
Show marketing remark (305 chars)
This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.
-
2025-11-18status Active 305-char remark
Show marketing remark (305 chars)
This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.
-
2025-11-08status Pending 305-char remark
Show marketing remark (305 chars)
This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.
-
2025-08-09price $57,000 305-char remark
Show marketing remark (305 chars)
This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.
-
2025-06-08$59,500 Active 305-char remark
Show marketing remark (305 chars)
This 3-bedroom, 1.5-bath home offers a great opportunity for investors or first-time buyers. It has some recent updates, including new flooring and light fixtures. Whether you're looking for a rental property or a place to make your own, this home has solid potential and is ready for your personal touch.
ⓘ 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
- $1,515 · $126/mo
- Projected year-2 tax
- $2,487 · $207/mo
- Expected delta
- +$972/yr (+$81/mo · 64.2%)
ⓘ 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) · 66% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 9/10 Extreme 7 d/yr ≥109°F today · 23 d/yr by 30 yrs out
- Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $16,235
- − Mortgage interest
- −$7,613
- − Property taxes
- −$1,515
- − Insurance
- −$1,477
- − Repairs & maintenance
- −$1,299
- − Management
- −$1,299
- − Depreciation
- −$3,953
- Taxable loss
- −$921
- Est. tax savings @ 24.0%
- +$221
- After-tax cash flow
- $1,502/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
- West Orange-Cove CISD
- NCES district ID
- 4845090
- Math proficiency
- 17% ▼ -7.00%
- Reading proficiency
- 21% ▼ -2.00%
- Median HH income
- $37,329
- Composite
- 15.86/100
- National rank
- #9260
- State rank
- #784 of 826 in TX
Livability — West Orange
- Score
- 60/100
- State rank
- #1075
- US rank
- #19069
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- West Orange, TX
- County
- Orange County · 87,112 people
- Metro
- Beaumont-Port Arthur, TX
- Population (ZIP)
- 28,983
- Household income
- $64,373
- Rent vs Own
- Severe rent burden
- 1018.0
Population outlook (Orange County) Hauer SSP2
- Today (2025)
- 88,065 people
- By 2030
- 89,591 · +1.7%
- By 2040
- 91,982 · +4.4%
- By 2050
- 93,023 · +5.6%
- By 2075
- 94,871 · +7.7%
- By 2100
- 88,155 · +0.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Majority White (64%)
- Race & ethnicity
- White 64% Black 21% Hispanic / Latino 11% Two or more races 9%
- Hispanic origin (detail)
- Mexican 7%
- Common ancestry
- Lithuanian 13% Italian 1% Slovak 1%
- Foreign-born
- 5% · Canada
- Languages at home
- 91% English-only · Spanish 7% French/Haitian/Cajun 1% Other Asian/Pacific 1%
Political lean MEDSL · Orange
- 2024 margin
- Solid R (+66.8) · D 16.4% · R 83.1%
- 2008→2024 swing
- -19.6pp toward R · 2008: -47.1pp · 2024: -66.8pp
- All cycles
- 2024: R+66.8 2020: R+63.4 2016: R+61.9 2012: R+54.3 2008: R+47.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 1.01%
- Current HPI
- 264.14
- Rent YoY
- ▲ 5.71%
- Metro
- Beaumont-Port Arthur, 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 |
|
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| Healthcare | 2 | $330B |
|
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Price history
+128.4% since first listed9 events — show timeline
- 2026-04-09 Price Changed $135,900 BBOR
- 2026-03-14 Listed $139,900 BBOR
- 2025-12-31 Sold (Public Records) — Public Records
- 2025-12-30 Sold (MLS) — BBOR
- 2025-11-19 Pending — BBOR
- 2025-11-18 Relisted — BBOR
- 2025-11-08 Pending — BBOR
- 2025-08-09 Price Changed $57,000 BBOR
- 2025-06-08 Listed $59,500 BBOR
Property tax history
+4.5%/yrLatest (2025): $1,515 · -2.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…