1314 Jefferson Dr · Lake Charles, LA 70605

$224,900

4 bd · 3.0 ba · 2,252 sqft · SingleFamily · 61 Days on market

Built 1976 0.38 ac lot $100/sqft · 13% above area Est $198k · 13% over

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Why this score? — see what drove the D 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 +18.2/30.0
• DSCR +5.7/10.0
• Rent growth +5.0/5.0
• 1% rule +3.9/10.0
• Livability +3.4/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• ARV discount +1.5/15.0
• Appreciation +0.0/10.0

Listing remarks

Located in University subdivision this 4-bedroom, 3-bath brick home is conveniently located in the center of town offering space and convenience. This property features a 5-year-old roof and is located in Flood Zone X (No flood insurance required). Inside, you'll find a spacious layout with generous living areas and plenty of natural light. The home sits on a large yard, ideal for outdoor entertaining, gardening, or simply enjoying extra space. The outdoor area includes a greenhouse integrated into the yard along with a producing lime tree perfect for gardening enthusiasts or anyone looking to enjoy fresh homegrown fruit. This property combines space, functionality, and outdoor appeal in a

Key facts

• 5 year old roof
• Large yard
• Producing lime tree

Tags

• 5 YEAR OLD ROOF
• LARGE YARD
• GREENHOUSE
• PRODUCING LIME TREE

Property features AI

Exterior

• Parking: Driveway; Open parking available
• Utilities: Public water; Public sewer; Electricity connected; Natural gas connected; Cable connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; House structure; Residential zoning
• Construction: Brick construction; Shingle roof; Slab foundation; Built as a single-story house
• Exterior features: Chain link fenced yard; Fenced property; Greenhouse on the property; Sidewalks in the community

Interior

• Bedrooms: Four main-level bedrooms
• Bathrooms: Three full bathrooms (all on the main level)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: No fireplace

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $201 ($2k/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 $201k (10.7% below list).
• Recommended offer: $201k (10.7% below list) — sets the bar for 1% rule.
• Cap rate 7.4% vs local median 4.3% in Lake Charles — 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 (#95 in LA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F, amenities F, employment D-.
• Calcasieu Parish (other): math 30% / reading 44% proficiency, ranked #29 of 98 in LA (top 30%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: A. A. Nelson Elementary School (math 36% / reading 52%, grade F, #191 of 646 statewide, top 30%, 741 students, 55% FRL); F. K. White Middle School (math 26% / reading 39%, grade F, #104 of 218 statewide, top 48%, 661 students, 67% FRL); Alfred M. Barbe High School (math 41% / reading 56%, grade D, #41 of 265 statewide, top 16%, 1,991 students, 41% FRL) — zoned schools at 54% FRL track the district average.
• Market conditions: Rents rising fast (+15.1%/yr); 464 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,298 units permitted in Calcasieu Parish in 2024 (526 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Calcasieu County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $63k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($211k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $135k; list at $225k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $200,775 (10.7% below list)

Questions for the listing agent

1. It's been on market 61 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
2. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. Crime grade is F 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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.89% ✗
• Cap rate: 7.37%
• Cash-on-cash: 3.84%
• DSCR: 1.17
• GRM: 9.3

CMA / ARV

• ARV (median comp): $198,390
• List price: $224,900
• Delta: 13.36%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4308 Dean St	0.38mi	3/2.0 (-1)	2,260 (+0%)	3mo	$235,000	$104	70
4304 Sarver St	0.47mi	4/3.0	2,142 (-5%)	4mo	$223,400	$104	67
4119 Pleasant Dr	0.60mi	3/2.0 (-1)	2,240 (-0%)	3mo	$195,000	$87	60
929 Carondelet St St	0.63mi	3/2.5 (-1)	2,338 (+4%)	1mo	$365,000	$156	56
4315 Oaklawn	0.48mi	4/3.0	1,972 (-12%)	2mo	$239,000	$121	55
445 Washington	0.69mi	4/2.0	2,177 (-3%)	3mo	$189,000	$87	55
4022 Wooded Dr	0.74mi	3/2.0 (-1)	2,244 (-0%)	1mo	$85,000	$38	55
1407 Jefferson Dr	0.22mi	3/2.0 (-1)	1,946 (-14%)	4mo	$260,000	$134	55
4410 Dean St St	0.30mi	3/2.0 (-1)	1,931 (-14%)	1mo	$172,500	$89	52
1220 Five Oaks Dr	0.61mi	3/2.5 (-1)	2,425 (+8%)	3mo	$490,000	$202	49
625 Archwood St	0.71mi	4/2.5	2,458 (+9%)	3mo	$392,500	$160	47
4307 Oaklawn St	0.50mi	3/2.0 (-1)	1,926 (-14%)	2mo	$157,900	$82	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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -5.3%
• Equity multiple: 0.79×
• Total profit: $-13,077
• Equity at exit: $33,533

10-year hold

• IRR: 9.1%
• Equity multiple: 1.84×
• Total profit: $53,127
• Equity at exit: $19,445

Cash invested: $62,972 (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 70605

• Rents YoY: 15.1%
• Active inventory: 464
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $2,008 medium
• Mortgage (P&I): −$1,179
• Tax from tax record: −$112 /mo · $1,339/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$422
• Net cashflow: $201

Break-even live

Break-even rent $1,753

Max offer price $224,900

Occupancy floor 85%

Sensitivity live

Price	-10% $329	-5% $265	+0% $201	+5% $138	+10% $74
Rent	-10% $43	-5% $122	+0% $201	+5% $281	+10% $360
Rate	-1.0pp $315	-0.5pp $259	base $201	+0.5pp $143	+1.0pp $84

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: $56,225
• Closing costs: $6,747
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
716 Dianne Ln Lake Charles, LA	3.0	2.0	2200	$5,000	$2.27	46d	1	0.82mi
4326 Christina St Lake Charles, LA	3.0	2.0	1600	$1,770	$1.11	23d	1	0.88mi
1549 L'Acadie Dr Lake Charles, LA	4.0	4.0	3100	$3,550	$1.15	15d	1	1.06mi
4128 Center St Lake Charles, LA	4.0	2.0	2227	$1,500	$0.67	46d	1	1.16mi
417 E Claude St Lake Charles, LA	4.0	1.0	1610	$1,400	$0.87	46d	1	1.29mi

Listing history 23 events

1. 2026-06-23
   days on market $224,900 Active 61 DOM
2. 2026-06-21
   days on market $224,900 Active 60 DOM
3. 2026-06-19
   days on market $224,900 Active 58 DOM
4. 2026-06-18
   days on market $224,900 Active 57 DOM
5. 2026-06-17
   days on market $224,900 Active 56 DOM
6. 2026-06-16
   days on market $224,900 Active 55 DOM
7. 2026-06-15
   days on market $224,900 Active 54 DOM
8. 2026-06-14
   days on market $224,900 Active 52 DOM
9. 2026-06-13
   days on market $224,900 Active 51 DOM
10. 2026-06-10
    days on market $224,900 Active 49 DOM
11. 2026-06-09
    days on market $224,900 Active 48 DOM
12. 2026-06-08
    days on market $224,900 Active 47 DOM
13. 2026-06-07
    days on market $224,900 Active 46 DOM
14. 2026-06-05
    days on market $224,900 Active 43 DOM
15. 2026-06-02
    days on market $224,900 Active 41 DOM
16. 2026-06-01
    days on market $224,900 Active 40 DOM
17. 2026-05-31
    days on market $224,900 Active 39 DOM
18. 2026-05-30
    days on market $224,900 Active 38 DOM
19. 2026-04-22
    listed $224,900 Active 746-char remark
20. 2025-01-27
    soldstatus $135,000
21. 2011-10-07
    soldstatus $160,000
22. 2004-10-04
    soldstatus $136,000
23. 1999-03-31
    soldstatus $68,000

ⓘ 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: $1,339 · $112/mo
• Projected year-2 tax: $1,339 · $112/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 4/10 Moderate FEMA zone X (shaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 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 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,093
• − Mortgage interest: −$12,598
• − Property taxes: −$1,339
• − Insurance: −$1,124
• − Repairs & maintenance: −$1,927
• − Management: −$1,927
• − Depreciation: −$6,543
• Taxable loss: −$1,366
• Est. tax savings @ 24.0%: +$328
• After-tax cash flow: $2,745/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: Calcasieu Parish
• NCES district ID: 2200330
• Math proficiency: 30% ▼ -39.00%
• Reading proficiency: 44% ▼ -33.00%
• Median HH income: $44,700
• Composite: 31.45/100
• National rank: #5979
• State rank: #29 of 98 in LA

Livability — Lake Charles

• Score: 68/100
• State rank: #95
• US rank: #9820

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lake Charles, LA
• County: Calcasieu Parish · 170,889 people
• City population: 133,538
• Metro: Lake Charles, LA
• Population (ZIP): 40,482
• Household income: $86,015
• Rent vs Own: 27.7% rent · 72.3% own
• Severe rent burden: 1328.0

Population outlook (Calcasieu County) Hauer SSP2

• Today (2025): 212,179 people
• By 2030: 218,199 · +2.8%
• By 2040: 228,486 · +7.7%
• By 2050: 236,208 · +11.3%
• By 2075: 251,696 · +18.6%
• By 2100: 247,848 · +16.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 10% Hispanic / Latino 6% Two or more races 6% Asian 3%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Lithuanian 12% Italian 3% Slovak 2%
• Foreign-born: 6% · Canada, Jamaica
• Languages at home: 92% English-only · Spanish 4% Other Indo-European 2% Other Asian/Pacific 1%

Political lean MEDSL · Calcasieu

• 2024 margin: Solid R (+39.6) · D 29.5% · R 69.0% · Other 1.5%
• 2008→2024 swing: -15.0pp toward R · 2008: -24.6pp · 2024: -39.6pp
• All cycles: 2024: R+39.6 2020: R+35.2 2016: R+33.3 2012: R+28.7 2008: R+24.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -102.68%
• Current HPI: 105.1903
• Rent YoY: ▲ 15.10%
• Metro: Lake Charles, 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

+230.7% since first listed

5 events — show timeline

• 2026-04-22 Listed $224,900 SWLAR
• 2025-01-27 Sold (Public Records) $135,000 Public Records
• 2011-10-07 Sold (Public Records) $160,000 Public Records
• 2004-10-04 Sold (Public Records) $136,000 Public Records
• 1999-03-31 Sold (Public Records) $68,000 Public Records

Property tax history

-0.0%/yr

Latest (2025): $1,339 · +2.4% YoY. Source: county tax records.