2825 Jensen Dr · Houston, TX 77026

$150,000

3 bd · 1.0 ba · 1,364 sqft · SingleFamily public records · 217 Days on market

Built 1936 4,700 sqft lot $110/sqft · 50% below area ↓ 14% since listing

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Why this score? — see what drove the B- 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 +26.2/30.0
• DSCR +8.9/10.0
• 1% rule +7.9/10.0
• ARV discount +7.5/15.0
• Appreciation +6.9/10.0
• Livability +3.7/5.0
• Rent growth +3.3/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0

Listing remarks MLS

1-story 3bed 1bath home in Near North waiting on you. May be sold with others, Ask about other homes in The White Portfolio. with MLS# 15620135, 32158022, 35844177, 36322345, 187646792

Key facts

• 4,700 sq ft lot
• Parking
• Built 1936

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $317 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $132k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.4% vs local median 3.2% in Houston — 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 74/100 on livability (#184 in TX, #4,771 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: crime F.
• Houston ISD (urban): math 27% / reading 35% proficiency, ranked #593 of 826 in TX (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Sherman El (math 22% / reading 22%, grade F, #3,333 of 4,322 statewide, top 80%, 528 students, 99% FRL); Fleming Middle (math 10% / reading 15%, grade F, #1,616 of 1,662 statewide, top 97%, 384 students, 97% FRL); Northside H S (math 15% / reading 26%, grade F, #1,389 of 1,632 statewide, top 86%, 1,168 students, 94% FRL) — zoned schools average 97% FRL vs 71% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 18% at this address vs 31% district-wide (-13 pts) — the specific schools serving this property underperform the Houston ISD average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.1%/yr); 448 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 29,883 units permitted in Harris County in 2024 (8,621 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($1k loan paydown + $6k appreciation (3.9% local appreciation)).
• Harris County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.9% appreciation + 3.1% rent growth), your $42k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 217 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1936 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $132,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 217 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1936 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
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: 1.29% ✓
• Cap rate: 9.36%
• Cash-on-cash: 10.96%
• DSCR: 1.49
• GRM: 6.4

CMA / ARV

• ARV (median comp): $300,593
• List price: $150,000
• Delta: -50.10%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2710 Jensen Creek Ln	0.09mi	3/2.5	1,508 (+11%)	0mo	$299,900	$199	72
2212 Semmes St	0.49mi	3/1.0	1,320 (-3%)	2mo	$181,000	$137	70
2709 Davis St	0.09mi	3/2.0	1,547 (+13%)	3mo	$114,900	$74	67
3115 Evella St	0.40mi	3/2.0	1,488 (+9%)	2mo	$309,900	$208	60
3109 Jensen Dr Unit A	0.21mi	3/2.5	1,560 (+14%)	0mo	$319,900	$205	60
3107 Jensen Dr Unit C	0.20mi	3/2.5	1,560 (+14%)	4mo	$314,900	$202	58
3109 Jensen Dr Unit B	0.21mi	3/2.5	1,560 (+14%)	4mo	$309,900	$199	57
2111 Davis St	0.42mi	3/2.0	1,243 (-9%)	6mo	$175,000	$141	56
3053 Noble St	0.45mi	2/1.0 (-1)	1,200 (-12%)	1mo	$64,497	$54	53
2006 Stevens St	0.50mi	3/2.0	1,243 (-9%)	6mo	$225,000	$181	53
2405 Pannell St	0.60mi	3/1.5	1,230 (-10%)	3mo	$99,500	$81	51
2715 Chapman St	0.72mi	2/2.0 (-1)	1,214 (-11%)	2mo	$175,997	$145	38

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.89% appreciation · 3.08% rent growth · sell at horizon

5-year hold

• IRR: 18.2%
• Equity multiple: 2.09×
• Total profit: $45,773
• Equity at exit: $75,114

10-year hold

• IRR: 19.0%
• Equity multiple: 4.01×
• Total profit: $126,495
• Equity at exit: $122,112

Cash invested: $42,000 (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 77026

• Home prices YoY: 1.5%
• Rents YoY: 3.1%
• Active inventory: 448
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,940 high
• Mortgage (P&I): −$787
• Tax from tax record: −$300 /mo · $3,598/yr
• Insurance: −$62
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$407
• Net cashflow: $317

Break-even live

Break-even rent $1,538

Max offer price $150,000

Occupancy floor 79%

Sensitivity live

Price	-10% $402	-5% $360	+0% $317	+5% $275	+10% $232
Rent	-10% $164	-5% $241	+0% $317	+5% $394	+10% $470
Rate	-1.0pp $393	-0.5pp $355	base $317	+0.5pp $278	+1.0pp $239

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1714 Mary St Houston, TX	2.0	2.0	1100	$2,400	$2.18	45d	1	0.73mi
2706 Cochran St Houston, TX	3.0	3.5	1791	$2,700	$1.51	21d	1	0.84mi
3300 Lyons Ave Unit 304 Houston, TX	4.0	2.0	1393	$1,460	$1.05	45d	1	0.86mi
1513 Cage St Houston, TX	3.0	2.0	1467	$1,550	$1.06	45d	1	0.93mi
3730 Lyons Ave Unit 216 Houston, TX	3.0	2.0	1107	$1,300	$1.17	45d	1	0.98mi
1307 Bayou St Unit B Houston, TX	3.0	3.0	1814	$2,400	$1.32	9d	1	1.01mi
1303 Bayou St Unit C Houston, TX	3.0	3.0	1869	$3,200	$1.71	45d	1	1.02mi
4509 Courtney St Houston, TX	4.0	1.0	1456	$1,150	$0.79	23d	1	1.05mi
914 Bunton St Houston, TX	3.0	2.0	1389	$1,950	$1.40	45d	1	1.09mi
1550 Leona St Houston, TX	1.0–2.0	1.0–2.0	835	$1,905	$2.28	3d	19	1.14mi
4300 Lyons Ave Unit 304 Houston, TX	4.0	2.0	1393	$1,460	$1.05	45d	1	1.19mi
1550 Burnett St Houston, TX	1.0–2.0	1.0–2.0	877	$2,108	$2.40	0d	36	1.20mi
1550 Leona St Unit 1587 Houston, TX	2.0	2.0	1131	$1,942	$1.72	45d	1	1.20mi
1524 Evelyn St Houston, TX	3.0	2.5	1804	$2,800	$1.55	45d	1	1.24mi
1250 Leona St Houston, TX	2.0	1.0–2.0	885	$1,990	$2.25	0d	15	1.25mi
4711 Sayers St Unit A Houston, TX	2.0	1.0	1200	$1,650	$1.38	45d	1	1.29mi
1039 Hillstar St Houston, TX	3.0	2.5	1780	$2,750	$1.54	13d	1	1.29mi
4712 Rawley St Unit B Houston, TX	3.0	2.5	1501	$2,045	$1.36	22d	1	1.31mi
4712 Rawley St Unit a Houston, TX	3.0	2.0	1501	$2,070	$1.38	22d	1	1.31mi
1514 Everett St Houston, TX	2.0	1.0	970	$1,840	$1.90	21d	1	1.35mi
2516 Ivy St Houston, TX	3.0	1.0	1200	$1,500	$1.25	45d	1	1.36mi
2310 N Main St Houston, TX	2.0	2.0	997	$1,687	$1.69	45d	1	1.37mi
2016 N Main St Houston, TX	2.0	2.0	1169	$2,200	$1.88	45d	1	1.37mi
3503 Wyrick St Houston, TX	3.0	2.5	1746	$2,850	$1.63	45d	1	1.41mi
1725 N Main St Houston, TX	2.0	2.0	988	$2,263	$2.29	45d	1	1.42mi
1625 N Main St Houston, TX	3.0	1.0–3.0	994	$2,354	$2.37	0d	41	1.44mi
5124 Gold St Unit B Houston, TX	3.0	2.5	1650	$1,895	$1.15	45d	1	1.44mi
412 Paschall St Unit 1316398P Houston, TX	3.0	2.0	1130	$4,840	$4.28	14d	1	1.45mi
410 James St Unit 1031793P Houston, TX	3.0	2.0	1593	$5,668	$3.56	0d	1	1.46mi
410 James St Houston, TX	3.0	2.0	1602	$6,750	$4.21	45d	1	1.46mi
2623 Keene St Houston, TX	2.0	1.0–2.0	965	$3,280	$3.40	18d	44	1.47mi

Listing history 14 events

1. 2026-06-21
   days on market $150,000 Active 217 DOM
2. 2026-06-18
   days on market $150,000 Active 214 DOM
3. 2026-06-17
   days on market $150,000 Active 213 DOM
4. 2026-06-16
   days on market $150,000 Active 212 DOM
5. 2026-06-15
   days on market $150,000 Active 211 DOM
6. 2026-06-13
   days on market $150,000 Active 209 DOM
7. 2026-06-10
   days on market $150,000 Active 205 DOM
8. 2026-06-08
   days on market $150,000 Active 204 DOM
9. 2026-06-07
   days on market $150,000 Active 203 DOM
10. 2026-06-04
    days on market $150,000 Active 200 DOM
11. 2026-05-31
    days on market $150,000 Active 197 DOM
12. 2026-03-23
    price $150,000 184-char remark

    Show marketing remark (184 chars)

    1-story 3bed 1bath home in Near North waiting on you. May be sold with others, Ask about other homes in The White Portfolio. with MLS# 15620135, 32158022, 35844177, 36322345, 187646792

13. 2025-11-15
    listed $175,000 Active 184-char remark

    Show marketing remark (184 chars)

    1-story 3bed 1bath home in Near North waiting on you. May be sold with others, Ask about other homes in The White Portfolio. with MLS# 15620135, 32158022, 35844177, 36322345, 187646792

14. 1988-04-02
    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: $3,598 · $300/mo
• Projected year-2 tax: $3,598 · $300/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 7/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,279
• − Mortgage interest: −$8,402
• − Property taxes: −$3,598
• − Insurance: −$1,547
• − Repairs & maintenance: −$1,862
• − Management: −$1,862
• − Depreciation: −$4,364
• Taxable income: $1,643
• Est. tax owed @ 24.0%: −$394
• After-tax cash flow: $3,412/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: Houston ISD
• NCES district ID: 4823640
• Math proficiency: 27% ▼ -18.00%
• Reading proficiency: 35% ▼ -6.00%
• Median HH income: $46,054
• Composite: 26.63/100
• National rank: #7173
• State rank: #593 of 826 in TX

Livability — Houston

• Score: 74/100
• State rank: #184
• US rank: #4771

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Houston, TX
• County: Harris County · 4,702,590 people
• City population: 3,226,434
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 21,981
• Household income: $39,211
• Rent vs Own: 56.3% rent · 43.7% own
• Severe rent burden: 1531.0

Population outlook (Harris County) Hauer SSP2

• Today (2025): 5,571,493 people
• By 2030: 6,089,821 · +9.3%
• By 2040: 7,142,806 · +28.2%
• By 2050: 8,185,864 · +46.9%
• By 2075: 10,574,329 · +89.8%
• By 2100: 12,109,958 · +117.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 49% Hispanic / Latino 44% Two or more races 18% White 5% Native American 1%
• Hispanic origin (detail): Mexican 34%
• Common ancestry: Lithuanian 1%
• Foreign-born: 15% · Canada
• Languages at home: 61% English-only · Spanish 39%

Political lean MEDSL · Harris

• 2024 margin: Lean D (+5.5) · D 52.0% · R 46.4% · Other 1.6%
• 2008→2024 swing: +3.9pp toward D · 2008: 1.6pp · 2024: 5.5pp
• All cycles: 2024: D+5.5 2020: D+13.3 2016: D+12.4 2012: D+0.1 2008: D+1.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.89%
• Current HPI: 267.5995
• Rent YoY: ▲ 3.08%
• Metro: Houston-The Woodlands-Sugar Land, 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

-14.3% since first listed

3 events — show timeline

• 2026-03-23 Price Changed $150,000 HARMLS
• 2025-11-15 Listed $175,000 HARMLS
• 1988-04-02 Sold (Public Records) — Public Records

Property tax history

+8.4%/yr

Latest (2025): $3,598 · -0.0% YoY. Source: county tax records.