114 Knollwood Dr · Lufkin, TX 75904

$128,000

2 bd · 2.0 ba · 1,042 sqft · SingleFamily public records · 25 Days on market

Built 1993 0.46 ac lot

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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 +19.9/30.0
• ARV discount +7.5/15.0
• DSCR +6.3/10.0
• 1% rule +4.9/10.0
• Schools +3.7/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This two-bedroom, two-bath home at 114 Knollwood Street is a true gem in Lufkin. Inside, the open living and dining area flows seamlessly, with large windows that create a bright, welcoming atmosphere. The primary bedroom is generously sized, while the second bedroom is versatile, ideal for kids, guests, or a home office.

Key facts

• 0.46 acre lot
• Built 1993
• Listed 25 days

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single-family residence; Residential property; Located in Idlewood subdivision
• Construction: Brick construction; Slab foundation; Built with composition roof
• Exterior features: Fenced yard; Composition roof

Interior

• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Electric heating; Central air conditioning
• Interior features: Walk-in closet(s); Carpet flooring

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $128k.

Deal economics

• At list price, monthly cash flow is $154 ($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 $126k (1.3% below list).
• Recommended offer: $126k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.7% vs local median 3.6% in Lufkin — 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 72/100 on livability (#240 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, crime F, commute F.
• Central ISD (rural): math 41% / reading 45% proficiency, ranked #294 of 826 in TX (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 292 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 120 units permitted in Angelina County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $885 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 25 days — a 2% lower offer ($126k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $126,080 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 0.99% ✗
• Cap rate: 7.74%
• Cash-on-cash: 5.16%
• DSCR: 1.23
• GRM: 8.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -8.3%
• Equity multiple: 0.69×
• Total profit: $-10,936
• Equity at exit: $19,085

10-year hold

• IRR: 1.2%
• Equity multiple: 1.09×
• Total profit: $3,089
• Equity at exit: $11,067

Cash invested: $35,840 (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 75904

• Home prices YoY: -25.1%
• Active inventory: 292
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,264 medium
• Mortgage (P&I): −$671
• Tax from tax record: −$120 /mo · $1,438/yr
• Insurance: −$53
• HOA: −$0
• Vacancy / Maint / Mgmt: −$265
• Net cashflow: $154

Break-even live

Break-even rent $1,069

Max offer price $128,000

Occupancy floor 83%

Sensitivity live

Price	-10% $227	-5% $190	+0% $154	+5% $118	+10% $82
Rent	-10% $54	-5% $104	+0% $154	+5% $204	+10% $254
Rate	-1.0pp $219	-0.5pp $187	base $154	+0.5pp $121	+1.0pp $87

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: $32,000
• Closing costs: $3,840
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3507 N John Redditt Dr Lufkin, TX	3.0	2.0	1086	$1,152	$1.06	44d	1	0.71mi
3507 N John Redditt Dr Unit 2-22 Lufkin, TX	2.0	1.0	915	$1,001	$1.09	44d	1	0.72mi

Listing history 19 events

1. 2026-06-19
   days on market $128,000 Active 25 DOM
2. 2026-06-18
   days on market $128,000 Active 24 DOM
3. 2026-06-17
   days on market $128,000 Active 23 DOM
4. 2026-06-16
   days on market $128,000 Active 22 DOM
5. 2026-06-15
   days on market $128,000 Active 21 DOM
6. 2026-06-14
   days on market $128,000 Active 19 DOM
7. 2026-06-13
   days on market $128,000 Active 18 DOM
8. 2026-06-10
   days on market $128,000 Active 16 DOM
9. 2026-06-09
   days on market $128,000 Active 15 DOM
10. 2026-06-08
    days on market $128,000 Active 14 DOM
11. 2026-06-07
    days on market $128,000 Active 13 DOM
12. 2026-06-05
    days on market $128,000 Active 10 DOM
13. 2026-06-03
    days on market $128,000 Active 9 DOM
14. 2026-06-02
    days on market $128,000 Active 8 DOM
15. 2026-06-01
    days on market $128,000 Active 7 DOM
16. 2026-05-31
    days on market $128,000 Active 6 DOM
17. 2026-05-30
    days on market $128,000 Active 5 DOM
18. 2026-05-15
    listed $128,000 Active
19. 2011-11-10
    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: $1,438 · $120/mo
• Projected year-2 tax: $2,342 · $195/mo
• Expected delta: +$904/yr (+$75/mo · 62.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥110°F today · 26 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,167
• − Mortgage interest: −$7,170
• − Property taxes: −$1,438
• − Insurance: −$640
• − Repairs & maintenance: −$1,213
• − Management: −$1,213
• − Depreciation: −$3,724
• Taxable loss: −$232
• Est. tax savings @ 24.0%: +$56
• After-tax cash flow: $1,904/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: Central ISD
• NCES district ID: 4813500
• Math proficiency: 41% ▼ -11.00%
• Reading proficiency: 45% ▼ -2.00%
• Median HH income: $52,994
• Composite: 37.26/100
• National rank: #4458
• State rank: #294 of 826 in TX

Livability — Lufkin

• Score: 72/100
• State rank: #240
• US rank: #5792

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Angelina County · 62,696 people
• City population: 62,696
• Metro: Lufkin, TX
• Population (ZIP): 34,462
• Household income: $60,205
• Rent vs Own: 42.5% rent · 57.5% own
• Severe rent burden: 1159.0

Population outlook (Angelina County) Hauer SSP2

• Today (2025): 90,174 people
• By 2030: 90,697 · +0.6%
• By 2040: 91,291 · +1.2%
• By 2050: 91,168 · +1.1%
• By 2075: 88,961 · -1.3%
• By 2100: 80,590 · -10.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 60% Hispanic / Latino 19% Black 16% Two or more races 12% Native American 2%
• Hispanic origin (detail): Mexican 17%
• Common ancestry: Romanian 2% Slovak 1% Lithuanian 1%
• Foreign-born: 6% · Canada
• Languages at home: 86% English-only · Spanish 14%

Political lean MEDSL · Angelina

• 2024 margin: Solid R (+52.0) · D 23.7% · R 75.7%
• 2008→2024 swing: -17.0pp toward R · 2008: -35.0pp · 2024: -52.0pp
• All cycles: 2024: R+52.0 2020: R+46.1 2016: R+47.3 2012: R+43.9 2008: R+35.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.71%
• Current HPI: 213.4236
• Rent YoY: —
• Metro: Lufkin, 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

2 events — show timeline

• 2026-05-15 Listed $128,000 Deep East Texas MLS
• 2011-11-10 Sold (Public Records) — Public Records

Property tax history

-0.3%/yr

Latest (2025): $1,438 · +9.9% YoY. Source: county tax records.