1314 S Azalea Dr · Tyler, TX 75701

$99,900

3 bd · 2.0 ba · 1,597 sqft · SingleFamily public records · 47 Days on market

Built 1950 9,674 sqft lot $63/sqft · 61% below area ↓ 47% 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.8/5.0
• Rent growth +3.4/5.0
• Schools +3.3/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming 3-bedroom, 2-bath home in Tyler's established Azalea District featuring original hardwood floors throughout and a cozy living area with fireplace. The layout includes a formal dining room, an eat-in kitchen with generous cabinet and storage space, and oversized bedrooms — one with a private exterior access door to the backyard, ideal for use as a home office. The home sits on an elevated lot with a sidewalk to the street, offering both driveway and street-side parking. The large, partially fenced backyard provides plenty of room to grow. With some updating, this is a solid opportunity for a buyer looking for character and potential in a well-located neighborhood.

Key facts

• Formal dining room
• Eat-in kitchen
• Elevated lot

Tags

• ORIGINAL HARDWOOD FLOORS
• FORMAL DINING ROOM
• EAT-IN KITCHEN
• GENEROUS CABINET SPACE
• PRIVATE EXTERIOR ACCESS DOOR
• ELEVATED LOT

Property features AI

Finance

• Financial info: Lease not considered

Exterior

• Parking: Detached garage (1 car)
• Utilities: Public water; Public sewer
• Home design: Residential property; Built in 1950; Pillar/post/pier foundation; Composition roof
• Construction: Brick construction
• Exterior features: Subdivision lot

Interior

• Bedrooms: Three bedrooms on the first floor (each approximately 12x12)
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: One fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $506 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.4% vs local median 3.6% in Tyler — 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 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: Birdwell School (math 67% / reading 47%, grade C+, #505 of 4,322 statewide, top 13%, 477 students, 77% FRL); Three Lakes Middle (math 35% / reading 42%, grade F, #704 of 1,662 statewide, top 43%, 873 students, 64% FRL) — zoned schools at 70% FRL track the district average.
• Market conditions: Rents rising (+3.7%/yr); 327 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 595 units permitted in Smith County in 2024 (45 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.
• Smith County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.7% rent growth), your $28k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $50k (33%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price; built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 61% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,903 (3.0% below list)

Questions for the listing agent

1. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.62% ✓
• Cap rate: 12.37%
• Cash-on-cash: 21.69%
• DSCR: 1.97
• GRM: 5.1

CMA / ARV

• ARV (median comp): $255,710
• List price: $99,900
• Delta: -60.93%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1624 Crockett Dr	0.51mi	3/2.0	1,576 (-1%)	12mo	$279,900	$178	64
3170 San Jacinto Dr	0.70mi	4/2.0 (+1)	1,382 (-14%)	17mo	$266,500	$193	25

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 · 3.66% rent growth · sell at horizon

5-year hold

• IRR: 15.2%
• Equity multiple: 1.61×
• Total profit: $17,180
• Equity at exit: $14,895

10-year hold

• IRR: 24.4%
• Equity multiple: 3.19×
• Total profit: $61,255
• Equity at exit: $8,638

Cash invested: $27,972 (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 75701

• Rents YoY: 3.7%
• Active inventory: 327
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,623 high
• Mortgage (P&I): −$524
• Tax from tax record: −$211 /mo · $2,530/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $506

Break-even live

Break-even rent $983

Max offer price $99,900

Occupancy floor 64%

Sensitivity live

Price	-10% $562	-5% $534	+0% $506	+5% $477	+10% $449
Rent	-10% $377	-5% $442	+0% $506	+5% $570	+10% $634
Rate	-1.0pp $556	-0.5pp $531	base $506	+0.5pp $480	+1.0pp $453

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1224 S Azalea Dr Tyler, TX	3.0	1.0	1276	$1,300	$1.02	14d	1	0.07mi
1107 Dogwood St Tyler, TX	3.0	1.5	1620	$1,475	$0.91	22d	1	0.22mi
1692 Alamo Xing Tyler, TX	4.0	2.0	1610	$2,300	$1.43	14d	1	0.54mi
908 W 6th St Tyler, TX	2.0	1.0	1112	$1,300	$1.17	14d	1	0.61mi
2002 S Robertson Ave Tyler, TX	3.0	2.5	1992	$1,800	$0.90	45d	1	0.64mi
2302 Walton Rd Tyler, TX	3.0	2.0	1248	$1,600	$1.28	22d	1	0.67mi
902 W 5th St Tyler, TX	2.0	1.0	1369	$1,200	$0.88	14d	1	0.67mi
711 W 6th St Tyler, TX	3.0	2.0	1854	$1,850	$1.00	14d	1	0.72mi
1655 S Kennedy Ave Tyler, TX	2.0	2.5	1174	$1,595	$1.36	45d	1	0.75mi
1655 S Kennedy Ave Unit 203 Tyler, TX	2.0	2.5	1174	$1,650	$1.41	45d	1	0.75mi
1500 Mockingbird Ln Tyler, TX	3.0	2.0	1090	$1,230	$1.13	45d	1	0.93mi
2720 S Broadway Ave Tyler, TX	1.0–3.0	1.0–2.0	1064	$1,330	$1.25	14d	14	0.97mi
1215 S Lenox St Tyler, TX	3.0	2.0	1090	$1,264	$1.16	45d	1	1.01mi
117 Ridgecrest Dr Tyler, TX	3.0	2.0	1571	$2,150	$1.37	45d	1	1.03mi
614 Woodland Hills Dr Tyler, TX	2.0	2.0	1690	$2,200	$1.30	45d	1	1.08mi
1115 S Robertson Ave Tyler, TX	2.0	1.0	1366	$1,550	$1.13	14d	1	1.15mi
328 Mockingbird Ln Tyler, TX	2.0	1.0	1200	$950	$0.79	14d	1	1.17mi
3106 S Donnybrook Ave Tyler, TX	3.0	1.0	1251	$1,525	$1.22	14d	1	1.21mi
3210 S Donnybrook Ave Tyler, TX	3.0	2.0	1584	$1,945	$1.23	22d	1	1.27mi
522 W Dobbs St Tyler, TX	3.0	1.0	1127	$1,395	$1.24	14d	1	1.31mi
1403 S Donnybrook Ave Tyler, TX	3.0	3.0	1834	$2,150	$1.17	45d	1	1.34mi
3220 Walton Rd Tyler, TX	1.0–3.0	1.0–2.0	958	$1,366	$1.43	14d	5	1.34mi
4411 Kinsey Dr Tyler, TX	1.0–2.0	1.0–2.0	894	$1,748	$1.96	14d	15	1.40mi
305 E Lake St Tyler, TX	2.0	1.5	1287	$1,695	$1.32	14d	1	1.42mi
826 Wilma St Tyler, TX	3.0	2.0	1210	$1,800	$1.49	14d	1	1.45mi
3206 Bain Pl Tyler, TX	3.0	2.5	1840	$1,895	$1.03	45d	1	1.50mi

Listing history 14 events

1. 2026-06-19
   days on market $99,900 Active 47 DOM
2. 2026-06-18
   days on market $99,900 Active 46 DOM
3. 2026-06-17
   pricedays on market $99,900 Active 45 DOM
4. 2026-06-05
   days on market $149,900 Active 42 DOM
5. 2026-06-02
   days on market $149,900 Active 40 DOM
6. 2026-06-01
   days on market $149,900 Active 39 DOM
7. 2026-05-31
   days on market $149,900 Active 38 DOM
8. 2026-05-30
   days on market $149,900 Active 37 DOM
9. 2026-04-23
   listed $149,900 Active 686-char remark
10. 2026-04-21
    historical
11. 2026-02-25
    price $149,900
12. 2025-10-21
    listed $189,900 Active
13. 2006-08-09
    soldstatus
14. 2002-08-21
    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: $2,530 · $211/mo
• Projected year-2 tax: $2,530 · $211/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 25 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 61% 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: $19,474
• − Mortgage interest: −$5,596
• − Property taxes: −$2,530
• − Insurance: −$500
• − Repairs & maintenance: −$1,558
• − Management: −$1,558
• − Depreciation: −$2,906
• Taxable income: $4,826
• Est. tax owed @ 24.0%: −$1,158
• After-tax cash flow: $4,910/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

• Census place: Tyler, TX
• County: Smith County · 180,570 people
• City population: 127,842
• Metro: Tyler, TX
• Population (ZIP): 36,344
• Household income: $66,401
• Rent vs Own: 40.0% rent · 60.0% own
• Severe rent burden: 1116.0

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 0.64)
• Race & ethnicity: White 53% Black 21% Hispanic / Latino 19% Two or more races 8% Asian 2%
• Hispanic origin (detail): Mexican 17%
• Common ancestry: Slovak 2% Italian 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 84% English-only · Spanish 14% Other Indo-European 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: ▼ -299.78%
• Current HPI: 207.238
• Rent YoY: ▲ 3.66%
• Metro: Tyler, 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

-47.4% since first listed

9 events — show timeline

• 2026-06-17 Relisted — HARMLS
• 2026-06-07 Price Changed $99,900 HARMLS
• 2026-06-06 Listing Removed — HARMLS
• 2026-04-23 Listed $149,900 HARMLS
• 2026-04-21 Listing Removed — NTREIS
• 2026-02-25 Price Changed $149,900 NTREIS
• 2025-10-21 Listed $189,900 NTREIS
• 2006-08-09 Sold (Public Records) — Public Records
• 2002-08-21 Sold (Public Records) — Public Records

Property tax history

+3.4%/yr

Latest (2024): $2,530 · +7.4% YoY. Source: county tax records.