2101 W Houston St · Jasper, TX 75951

$99,999

2 bd · 2.0 ba · 1,260 sqft · SingleFamily public records · 314 Days on market

Built 1985 1.66 ac lot $79/sqft · 5% above area Est $95k · 5% over

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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 +28.9/30.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• ARV discount +5.1/15.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Ladies and gentlemen, step right up to your slice of paradise! This 2 bed, 2 bath gem sits on a sprawling 1.66 acres, complete with a massive 600 sq ft shop for your hobbies or secret superhero lair and a private pond for impromptu fishing or existential pondering. Enjoy unrestricted land where you can build a treehouse, park an RV, or start a petting zoo, it’s your call! Nestled on a low traffic, dead end street, it’s so quiet you’ll hear the crickets forming a band. With privacy galore, neighbors are a distant memory, and you’re tucked away like a hermit with style. Your own pond? Perfect for skinny dipping. We won't tell! Plus, 54 acres of city land behind you offer more room to roam than a cowboy in a Western flick. The house has great bones, a canvas for your inner HGTV star. Cleanup’s underway, but a contract will make it happen faster than you can say “sold!” Don’t let this dream slip away to someone else’s vision board. Call today and make an offer before it’s gone!

Key facts

• Private pond
• Low traffic street
• Massive shop

Tags

• PRIVATE POND
• MASSIVE SHOP
• UNRESTRICTED LAND
• LOW TRAFFIC STREET
• 54 ACRES OF CITY LAND

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $215 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.4% vs local median 4.7% in Jasper — 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 58/100 on livability (#1,225 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A; Watch: crime C-, schools F, amenities F.
• Jasper ISD (town): math 22% / reading 26% proficiency, ranked #734 of 826 in TX (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 308 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 45 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Jasper County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 314 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe wind risk, 98% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,999 (12.0% below list)

Questions for the listing agent

1. It's been on market 314 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 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?
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: 1.25% ✓
• Cap rate: 10.38%
• Cash-on-cash: 14.59%
• DSCR: 1.65
• GRM: 6.7

CMA / ARV

• ARV (median comp): $95,000
• List price: $99,999
• Delta: 5.26%
• Verdict: FAIR
• Comps: 5 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -2.3%
• Equity multiple: 0.91×
• Total profit: $-2,429
• Equity at exit: $14,910

10-year hold

• IRR: 7.5%
• Equity multiple: 1.56×
• Total profit: $15,815
• Equity at exit: $8,646

Cash invested: $28,000 (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

3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Methodology + full state rankings →

ZIP-level market 75951

• Active inventory: 308
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,251 high
• Mortgage (P&I): −$524
• Tax from tax record: −$81 /mo · $978/yr
• Insurance: −$42
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $215

Break-even live

Break-even rent $978

Max offer price $99,999

Occupancy floor 78%

Sensitivity live

Price	-10% $272	-5% $244	+0% $215	+5% $187	+10% $159
Rent	-10% $116	-5% $166	+0% $215	+5% $265	+10% $314
Rate	-1.0pp $266	-0.5pp $241	base $215	+0.5pp $189	+1.0pp $163

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
801 W Gibson St Unit 108 Jasper, TX	2.0	2.0	900	$1,000	$1.11	20d	1	0.77mi
801 W Gibson St Unit 208 Jasper, TX	2.0	2.0	900	$900	$1.00	20d	1	0.77mi
816 Ogden St Jasper, TX	3.0	1.0	1270	$1,095	$0.86	15d	1	1.17mi
209 Cavin St Jasper, TX	3.0	1.0	1418	$1,300	$0.92	20d	1	1.27mi
469 Ogden St Jasper, TX	3.0	1.0	1344	$1,600	$1.19	15d	1	1.35mi
509 N Peachtree St Jasper, TX	3.0	2.0	1627	$2,000	$1.23	15d	1	1.41mi

Listing history 19 events

1. 2026-06-18
   days on market $99,999 Active 314 DOM
2. 2026-06-17
   days on market $99,999 Active 313 DOM
3. 2026-06-16
   days on market $99,999 Active 312 DOM
4. 2026-06-15
   days on market $99,999 Active 311 DOM
5. 2026-06-14
   days on market $99,999 Active 309 DOM
6. 2026-06-13
   days on market $99,999 Active 308 DOM
7. 2026-06-10
   days on market $99,999 Active 306 DOM
8. 2026-06-09
   days on market $99,999 Active 305 DOM
9. 2026-06-08
   days on market $99,999 Active 304 DOM
10. 2026-06-07
    days on market $99,999 Active 303 DOM
11. 2026-06-05
    days on market $99,999 Active 300 DOM
12. 2026-06-03
    days on market $99,999 Active 299 DOM
13. 2026-06-02
    days on market $99,999 Active 298 DOM
14. 2026-06-01
    days on market $99,999 Active 297 DOM
15. 2026-05-31
    days on market $99,999 Active 296 DOM
16. 2026-05-31
    days on market $99,999 Active 295 DOM
17. 2025-10-11
    price $99,999 1048-char remark

    Show marketing remark (1048 chars)

    Ladies and gentlemen, step right up to your slice of paradise! This 2 bed, 2 bath gem sits on a sprawling 1.66 acres, complete with a massive 600 sq ft shop for your hobbies or secret superhero lair and a private pond for impromptu fishing or existential pondering. Enjoy unrestricted land where you can build a treehouse, park an RV, or start a petting zoo, it’s your call! Nestled on a low traffic, dead end street, it’s so quiet you’ll hear the crickets forming a band. With privacy galore, neighbors are a distant memory, and you’re tucked away like a hermit with style. Your own pond? Perfect for skinny dipping. We won't tell! Plus, 54 acres of city land behind you offer more room to roam than a cowboy in a Western flick. The house has great bones, a canvas for your inner HGTV star. Cleanup’s underway, but a contract will make it happen faster than you can say “sold!” Don’t let this dream slip away to someone else’s vision board. Call today and make an offer before it’s gone!

18. 2025-08-09
    price $130,000 1048-char remark

    Show marketing remark (1048 chars)

    Ladies and gentlemen, step right up to your slice of paradise! This 2 bed, 2 bath gem sits on a sprawling 1.66 acres, complete with a massive 600 sq ft shop for your hobbies or secret superhero lair and a private pond for impromptu fishing or existential pondering. Enjoy unrestricted land where you can build a treehouse, park an RV, or start a petting zoo, it’s your call! Nestled on a low traffic, dead end street, it’s so quiet you’ll hear the crickets forming a band. With privacy galore, neighbors are a distant memory, and you’re tucked away like a hermit with style. Your own pond? Perfect for skinny dipping. We won't tell! Plus, 54 acres of city land behind you offer more room to roam than a cowboy in a Western flick. The house has great bones, a canvas for your inner HGTV star. Cleanup’s underway, but a contract will make it happen faster than you can say “sold!” Don’t let this dream slip away to someone else’s vision board. Call today and make an offer before it’s gone!

19. 2025-08-08
    listed $13,000 Active 1048-char remark

    Show marketing remark (1048 chars)

    Ladies and gentlemen, step right up to your slice of paradise! This 2 bed, 2 bath gem sits on a sprawling 1.66 acres, complete with a massive 600 sq ft shop for your hobbies or secret superhero lair and a private pond for impromptu fishing or existential pondering. Enjoy unrestricted land where you can build a treehouse, park an RV, or start a petting zoo, it’s your call! Nestled on a low traffic, dead end street, it’s so quiet you’ll hear the crickets forming a band. With privacy galore, neighbors are a distant memory, and you’re tucked away like a hermit with style. Your own pond? Perfect for skinny dipping. We won't tell! Plus, 54 acres of city land behind you offer more room to roam than a cowboy in a Western flick. The house has great bones, a canvas for your inner HGTV star. Cleanup’s underway, but a contract will make it happen faster than you can say “sold!” Don’t let this dream slip away to someone else’s vision board. Call today and make an offer before it’s gone!

ⓘ 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: $978 · $81/mo
• Projected year-2 tax: $1,830 · $152/mo
• Expected delta: +$852/yr (+$71/mo · 87.2%)

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

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone A · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥111°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 98% 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: $15,007
• − Mortgage interest: −$5,601
• − Property taxes: −$978
• − Insurance: −$2,002
• − Repairs & maintenance: −$1,201
• − Management: −$1,201
• − Depreciation: −$2,909
• Taxable income: $1,115
• Est. tax owed @ 24.0%: −$268
• After-tax cash flow: $2,315/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: Jasper ISD
• NCES district ID: 4824630
• Math proficiency: 22% ▼ -12.00%
• Reading proficiency: 26% ▼ -8.00%
• Median HH income: $36,286
• Composite: 19.91/100
• National rank: #8684
• State rank: #734 of 826 in TX

Livability — Jasper

• Score: 58/100
• State rank: #1225
• US rank: #21385

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jasper, TX
• Population (ZIP): 15,267

Population outlook (Jasper County) Hauer SSP2

• Today (2025): 33,986 people
• By 2030: 32,965 · -3.0%
• By 2040: 30,908 · -9.1%
• By 2050: 28,893 · -15.0%
• By 2075: 24,828 · -26.9%
• By 2100: 19,987 · -41.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 60% Black 28% Two or more races 7% Hispanic / Latino 6%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Lithuanian 1% Slovak 1% Iranian 1%
• Foreign-born: 3% · Canada
• Languages at home: 93% English-only · Spanish 5% Tagalog/Filipino 1%

Political lean MEDSL · Jasper

• 2024 margin: Solid R (+66.6) · D 16.5% · R 83.1%
• 2008→2024 swing: -24.6pp toward R · 2008: -42.0pp · 2024: -66.6pp
• All cycles: 2024: R+66.6 2020: R+61.4 2016: R+59.9 2012: R+48.4 2008: R+42.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -83.56%
• Current HPI: 136.7972
• 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
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

+669.2% since first listed

3 events — show timeline

• 2025-10-11 Price Changed $99,999 HARMLS
• 2025-08-09 Price Changed $130,000 HARMLS
• 2025-08-08 Listed $13,000 HARMLS

Property tax history

+3.2%/yr

Latest (2025): $978 · +14.0% YoY. Source: county tax records.