13912 W County Rd 171 · Odessa, TX
Flood risk 7/10 · Major
- FEMA flood zone
- X
- Chance of flooding over 30 yrs
- 0.97%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 7/10 · Major
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 6/10 · Moderate
- Hot days now (above 102°F)
- 7 days/yr
- Hot days in 30 yrs
- 22 days/yr
Wind risk 3/10 · Minor
- Chance of severe wind over 30 yrs
- 5.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 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 +23.4/30.0
- DSCR +7.5/10.0
- ARV discount +7.5/15.0
- Appreciation +7.5/10.0
- 1% rule +5.1/10.0
- Livability +3.8/5.0
- Schools +3.2/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
$225,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks
Welcome to your beautiful 3 bedroom, 2 bathroom home! Room to roam on 1 acre! Open concept kitchen/dining/living area. Sequestered primary suite w/ separate soaking tub and shower! Don't miss this one-call today!
Key facts
- 1 acre lot
- Built 2019
- Listed 66 days
Property features AI
Finance
- HOA & community: Homeowners association present
Exterior
- Parking: No parking or garage listed
- Utilities: Well water; Septic tank; Propane service
- Home design: Single family residence; Double wide manufactured body type; One-acre lot
- Construction: Composition roof; Pillar/post/pier foundation; Built as a manufactured double wide
- Exterior features: No notable exterior features listed; Paved road frontage on a county road; Solar energy generation
Interior
- Kitchen: Electric range
- Flooring: Laminate
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating; Central air conditioning
- Interior features: Blinds on windows; Laminate flooring; Electric water heater; Electric range
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath manufactured listed at $225k.
Deal economics
- At list price, monthly cash flow is $349 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $225k).
- Recommended offer: $212k (6.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 75/100 on livability (#132 in TX, #3,928 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: commute D+, amenities D.
- Midland ISD (urban): math 34% / reading 36% proficiency, ranked #477 of 826 in TX (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Ralph Bunche El (math 22% / reading 17%, grade F, #3,583 of 4,322 statewide, top 86%, 974 students, 88% FRL, charter); Goddard J H (math 23% / reading 32%, grade F, #1,156 of 1,662 statewide, top 71%, 1,024 students, 58% FRL, charter); Midland H S (math 37% / reading 7%, grade F, #1,366 of 1,632 statewide, top 84%, 2,492 students, 44% FRL).
- Zoned-school proficiency averages 23% at this address vs 35% district-wide (-12 pts) — the specific schools serving this property underperform the Midland ISD average; the district grade overstates school quality for this exact location.
- Market conditions: 78 active listings in the ZIP; 1,504 units permitted in Midland County in 2024 (0 in 5+ unit buildings).
Forward outlook
- In year one you build about $13k of equity ($2k loan paydown + $11k appreciation (4.9% local appreciation)).
- Midland County population projected at +83% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (4.9% appreciation + 3.0% rent growth), your $63k cash investment doubles in ~4 years — after that, you're playing with house money.
- By year 3, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 67 days — a 6% lower offer ($212k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: flood insurance adds $66/mo.
- Climate carrying-cost: major flood risk; major wildfire risk; extreme-heat days projected 7→22/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 67 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- 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 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?
- 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
- 1.01% ✓
- Cap rate
- 8.51%
- Cash-on-cash
- 7.92%
- DSCR
- 1.35
- GRM
- 8.2
CMA / ARV
No comps found within radius.
Projected returns pro-forma
4.91% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 18.4%
- Equity multiple
- 2.16×
- Total profit
- $72,907
- Equity at exit
- $126,260
- IRR
- 18.4%
- Equity multiple
- 4.20×
- Total profit
- $201,707
- Equity at exit
- $216,885
Cash invested: $63,000 (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 79766
- Home prices YoY
- 2.3%
- Active inventory
- 78
- Price-to-rent
- 8.2×
Monthly cashflow live
- Estimated rent
- $2,276 medium interval (Pro) →
- Mortgage (P&I)
- −$1,180
- Tax from tax record
- −$109 /mo · $1,303/yr
- Insurance
- −$94
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$478
- Net cashflow
- $349
Break-even live
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
- $56,250
- Closing costs
- $6,750
- 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.
Listing history 16 events
-
2026-06-16days on market $225,000 Active 67 DOM
-
2026-06-15days on market $225,000 Active 66 DOM
-
2026-06-14days on market $225,000 Active 64 DOM
-
2026-06-13days on market $225,000 Active 63 DOM
-
2026-06-10days on market $225,000 Active 61 DOM
-
2026-06-09days on market $225,000 Active 60 DOM
-
2026-06-08days on market $225,000 Active 59 DOM
-
2026-06-07days on market $225,000 Active 58 DOM
-
2026-06-03days on market $225,000 Active 54 DOM
-
2026-06-02days on market $225,000 Active 53 DOM
-
2026-06-01days on market $225,000 Active 52 DOM
-
2026-05-31days on market $225,000 Active 51 DOM
-
2026-05-30days on market $225,000 Active 50 DOM
-
2026-05-27price $225,000
-
2026-04-10$235,000 Active
-
2019-07-09soldstatus
ⓘ 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
- $1,303 · $109/mo
- Projected year-2 tax
- $4,118 · $343/mo
- Expected delta
- +$2,814/yr (+$235/mo · 216.0%)
ⓘ 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 · 97% chance over 30 yrs
- Wildfire 7/10 Severe
- Heat 6/10 Major 7 d/yr ≥102°F today · 22 d/yr by 30 yrs out
- Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 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
- $27,312
- − Mortgage interest
- −$12,603
- − Property taxes
- −$1,303
- − Insurance
- −$1,922
- − Repairs & maintenance
- −$2,185
- − Management
- −$2,185
- − Depreciation
- −$6,545
- Taxable income
- $568
- Est. tax owed @ 24.0%
- −$136
- After-tax cash flow
- $4,056/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
- Midland ISD
- NCES district ID
- 4830570
- Math proficiency
- 34% ▼ -7.00%
- Reading proficiency
- 36% ▬ 0.00%
- Median HH income
- $63,457
- Composite
- 31.63/100
- National rank
- #5938
- State rank
- #477 of 826 in TX
Livability — Odessa
- Score
- 75/100
- State rank
- #132
- US rank
- #3928
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- City population
- 131,169
- Population (ZIP)
- 10,712
Population outlook (Midland County) Hauer SSP2
- Today (2025)
- 220,895 people
- By 2030
- 253,667 · +14.8%
- By 2040
- 325,498 · +47.4%
- By 2050
- 404,168 · +83.0%
- By 2075
- 609,802 · +176.1%
- By 2100
- 760,172 · +244.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly Hispanic (68%)
- Race & ethnicity
- Hispanic / Latino 68% White 25% Two or more races 24% Black 3% Native American 2%
- Hispanic origin (detail)
- Mexican 63% Cuban 2%
- Common ancestry
- Slovak 5% Serbian 4% Lithuanian 1%
- Foreign-born
- 22% · Canada, Jamaica
- Languages at home
- 36% English-only · Spanish 63%
Political lean MEDSL · Midland
- 2024 margin
- Solid R (+60.5) · D 19.3% · R 79.8%
- 2008→2024 swing
- -3.3pp toward R · 2008: -57.3pp · 2024: -60.5pp
- All cycles
- 2024: R+60.5 2020: R+56.6 2016: R+55.2 2012: R+61.5 2008: R+57.3
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 4.91%
- Current HPI
- 222.3497
- 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 |
|
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| Technology | 5 | $198B |
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| Engineering / Construction | 4 | $72B |
|
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| Energy Services | 3 | $60B |
|
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| Utilities | 3 | $41B |
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| Healthcare | 2 | $330B |
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Price history
-4.3% since first listed3 events — show timeline
- 2026-05-27 Price Changed $225,000 ODMLS
- 2026-04-10 Listed $235,000 ODMLS
- 2019-07-09 Sold (Public Records) — Public Records
Property tax history
+34.2%/yrLatest (2025): $1,303 · -6.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…