7398 County Road 334 · Tyler, TX 75708

$344,900

3 bd · 2.0 ba · 1,848 sqft · Manufactured public records · 45 Days on market

Built 1997 2.80 ac lot $187/sqft · 21% below area Est $435k · 21% under ↓ 1% since listing

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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).

• ARV discount +15.0/15.0
• Appreciation +7.5/10.0
• Cash flow +4.9/30.0
• Livability +3.8/5.0
• Schools +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0

Listing remarks

Escape to peaceful country living with this beautifully maintained 3-bedroom, 2-bath home situated on nearly 2.8 acres in Tyler. Offering 1,848 square feet of well-designed living space, this home features an open floorplan with two spacious living areas, a cozy wood-burning fireplace, and a versatile dining layout perfect for everyday living and entertaining. The kitchen is equipped with an island, breakfast bar, pantry, and ample cabinetry, seamlessly connecting to the main living spaces. The private primary suite includes a walk-in closet, dual vanities, garden tub, and separate shower, while the split-bedroom layout provides added privacy for guests or family. Enjoy the outdoors with a

Key facts

• Dual vanities
• Open floorplan
• Walk in closet

Tags

• OPEN FLOORPLAN
• WOOD BURNING FIREPLACE
• PRIVATE PRIMARY SUITE
• WALK IN CLOSET
• DUAL VANITIES
• GARDEN TUB

Property features AI

Finance

• Other: Property includes various accessory structures (barns, workshop, storage, second garage) and is subdividable; Intercom system
• Financial info: Listing accepted financing: Cash, Conventional, FHA, VA
• HOA & community: No association (no HOA)

Exterior

• Parking: Multiple covered and carport spaces (3 covered / 3 carport); Attached and detached carport options; Additional/oversized parking, RV access/parking and RV carport; Driveway parking and on-site parking; Boat parking
• Security: Smoke detector(s)
• Utilities: Electricity connected; Septic system; All-weather road access; Generator on site
• Home design: Single-family residence; One story; Accessible approach with ramp and accessible bedroom, doors, and kitchen; Property attached (see remarks)
• Construction: Built in 1997; Vinyl siding with other construction materials (see remarks); Composition / shingle roof; Other foundation type
• Exterior features: Covered porch and covered deck; Awnings; Lighting; Storage buildings including shed(s) and outbuilding(s); Barn(s) and workshop with electric; RV/Boat parking and RV hookup; Second garage and detached carport/workshop; Circular driveway; Landscaped grounds with many trees and rolling slope; Partially wooded lot

Interior

• Kitchen: Dishwasher; Disposal; Electric cooktop; Electric oven; Water line to refrigerator; Breakfast bar / breakfast room adjacent
• Bedrooms: Primary bedroom on main level with ensuite bathroom and walk-in closet; Two additional bedrooms on main level (split-bedroom layout)
• Flooring: Carpet; Laminate; Luxury vinyl plank
• Bathrooms: Two full bathrooms; Primary bathroom with garden tub, separate shower, built-in cabinets and linen closet
• Heating & cooling: Central heating; Electric heating; Fireplace provides supplemental heat (wood burning); Central air; Ceiling fans
• Interior features: Open floorplan with vaulted ceilings; Decorative lighting; Eat-in kitchen with island and pantry; Kitchen island; Double vanity; Built-in cabinets; Flat screen wiring and sound system wiring; High-speed internet available; Skylights; Window coverings; Walk-in closets; Drip/dry area (mudroom/utility access)
• Laundry & utility: Utility room with built-in cabinets and space for a freezer; Workshop area with room for freezer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $345k.

Deal economics

• At list price, monthly cash flow is $-833 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $198k (42.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $158k (54.2% below list).
• Recommended offer: $158k (54.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 75/100 on livability (#147 in TX, #4,181 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, crime D+, commute F.
• Tyler ISD (urban): math 39% / reading 38% proficiency, ranked #449 of 826 in TX (top 54%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Douglas El (math 45% / reading 27%, grade F, #1,921 of 4,322 statewide, top 45%, 585 students, 97% FRL) — zoned schools average 97% FRL vs 66% district-wide (31 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 67 active listings in the ZIP; 595 units permitted in Smith County in 2024 (45 in 5+ unit buildings).

Forward outlook

• In year one you build about $20k of equity ($2k loan paydown + $17k appreciation (5.0% local appreciation)).
• Smith County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, 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 45 days — a 3% lower offer ($335k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 67% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 6→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $158,131 (54.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 54% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.46% ✗
• Cap rate: 3.39%
• Cash-on-cash: -10.35%
• DSCR: 0.54
• GRM: 18.2

CMA / ARV

• ARV (median comp): $434,940
• List price: $344,900
• Delta: -20.70%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

4.96% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 4.1%
• Equity multiple: 1.26×
• Total profit: $25,566
• Equity at exit: $194,705

10-year hold

• IRR: 6.8%
• Equity multiple: 2.28×
• Total profit: $123,259
• Equity at exit: $335,419

Cash invested: $96,572 (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 75708

• Home prices YoY: 2.4%
• Active inventory: 67
• Price-to-rent: 18.2×

Monthly cashflow live

• Estimated rent: $1,581 medium
• Mortgage (P&I): −$1,809
• Tax from tax record: −$130 /mo · $1,560/yr
• Insurance: −$144
• HOA: −$0
• Vacancy / Maint / Mgmt: −$332
• Net cashflow: $-833

Break-even live

Break-even rent $2,636

Max offer price $197,712

Occupancy floor —

Sensitivity live

Price	-10% $-638	-5% $-736	+0% $-833	+5% $-931	+10% $-1,028
Rent	-10% $-958	-5% $-896	+0% $-833	+5% $-771	+10% $-708
Rate	-1.0pp $-660	-0.5pp $-745	base $-833	+0.5pp $-923	+1.0pp $-1,013

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: $86,225
• Closing costs: $10,347
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-19
   days on market $344,900 Active 45 DOM
2. 2026-06-18
   days on market $344,900 Active 44 DOM
3. 2026-06-17
   days on market $344,900 Active 43 DOM
4. 2026-06-16
   days on market $344,900 Active 42 DOM
5. 2026-06-15
   days on market $344,900 Active 41 DOM
6. 2026-06-14
   days on market $344,900 Active 39 DOM
7. 2026-06-13
   days on market $344,900 Active 38 DOM
8. 2026-06-10
   days on market $344,900 Active 36 DOM
9. 2026-06-09
   days on market $344,900 Active 35 DOM
10. 2026-06-08
    days on market $344,900 Active 34 DOM
11. 2026-06-07
    pricedays on market $344,900 Active 33 DOM
12. 2026-06-05
    pricedays on market $348,500 Active 30 DOM
13. 2026-06-02
    days on market $348,900 Active 28 DOM
14. 2026-06-01
    days on market $348,900 Active 27 DOM
15. 2026-05-31
    days on market $348,900 Active 26 DOM
16. 2026-05-30
    days on market $348,900 Active 25 DOM
17. 2026-04-17
    listed $349,900 Active 1321-char remark
18. 2025-07-11
    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: $1,560 · $130/mo
• Projected year-2 tax: $6,312 · $526/mo
• Expected delta: +$4,751/yr (+$396/mo · 304.5%)

ⓘ 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 5/10 Major
• 🌡 Heat 6/10 Major 6 d/yr ≥109°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 67% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,976
• − Mortgage interest: −$19,320
• − Property taxes: −$1,560
• − Insurance: −$1,724
• − Repairs & maintenance: −$1,518
• − Management: −$1,518
• − Depreciation: −$10,033
• Taxable loss: −$16,698
• Est. tax savings @ 24.0%: +$4,008
• After-tax cash flow: $-5,991/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: Tyler ISD
• NCES district ID: 4843470
• Math proficiency: 39% ▼ -4.00%
• Reading proficiency: 38% ▼ -1.00%
• Median HH income: $44,090
• Composite: 32.69/100
• National rank: #5650
• State rank: #449 of 826 in TX

Livability — Tyler

• Score: 75/100
• State rank: #147
• US rank: #4181

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 127,842
• Population (ZIP): 10,001

Population outlook (Smith County) Hauer SSP2

• Today (2025): 248,890 people
• By 2030: 261,665 · +5.1%
• By 2040: 286,114 · +15.0%
• By 2050: 308,006 · +23.8%
• By 2075: 354,171 · +42.3%
• By 2100: 372,828 · +49.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: Hispanic / Latino 51% White 39% Two or more races 9% Black 9% Asian 1%
• Hispanic origin (detail): Mexican 49%
• Common ancestry: Danish 1%
• Foreign-born: 15% · Canada, Vietnam
• Languages at home: 62% English-only · Spanish 37% Vietnamese 1%

Political lean MEDSL · Smith

• 2024 margin: Solid R (+45.1) · D 27.0% · R 72.1%
• 2008→2024 swing: -5.6pp toward R · 2008: -39.5pp · 2024: -45.1pp
• All cycles: 2024: R+45.1 2020: R+39.4 2016: R+43.9 2012: R+46.9 2008: R+39.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.96%
• Current HPI: 216.4494
• 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

-1.4% since first listed

6 events — show timeline

• 2026-06-07 Price Changed $344,900 NTREIS
• 2026-06-03 Price Changed $348,500 NTREIS
• 2026-05-26 Price Changed $348,900 NTREIS
• 2026-05-19 Price Changed $349,000 NTREIS
• 2026-04-17 Listed $349,900 NTREIS
• 2025-07-11 Sold (Public Records) — Public Records

Property tax history

+1.5%/yr

Latest (2024): $1,560 · +7.8% YoY. Source: county tax records.