1521 N Haynie Ave · Tyler, TX 75702

$99,900

2 bd · 1.0 ba · 2,075 sqft · SingleFamily public records · 77 Days on market

Built 2014 10,019 sqft lot $48/sqft · 53% below area ↓ 38% 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
• Schools +3.3/10.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor Special! Welcome to 1521 N Haynie situated in North Tyler with convenient access to Hwy 271. This property features an approx. 1300 sq ft home and an approx. 775 sq ft guesthouse. It needs TLC, your vision and workmanship to bring it to life and once complete, it could make an excellent starter home with income potential or home with mother in law suite. Come visit this property and take advantage of this opportunity!

Key facts

• 0.23 acre lot
• Built 2014
• Listed 76 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $655 ($8k/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: $94k (6.0% below list) — sets the bar for market timing.
• Cap rate 14.2% 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-, schools D+, crime D+.
• 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.
• Market conditions: Rents rising (+2.3%/yr); 155 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; 595 units permitted in Smith County in 2024 (45 in 5+ unit buildings).
• This rent runs 44% of the median local income ($52k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

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 + 2.3% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 3y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: property tax is 3.5% of price.
• Climate carrying-cost: major wind risk, 60% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $93,906 (6.0% below list)

Questions for the listing agent

1. It's been on market 77 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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 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: 1.91% ✓
• Cap rate: 14.16%
• Cash-on-cash: 28.08%
• DSCR: 2.25
• GRM: 4.4

CMA / ARV

• ARV (median comp): $211,086
• List price: $99,900
• Delta: -52.67%
• Verdict: UNDERPRICED
• Comps: 9 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 2.27% rent growth · sell at horizon

5-year hold

• IRR: 21.4%
• Equity multiple: 1.87×
• Total profit: $24,239
• Equity at exit: $14,895

10-year hold

• IRR: 29.0%
• Equity multiple: 3.49×
• Total profit: $69,685
• 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 75702

• Home prices YoY: -5.8%
• Rents YoY: 2.3%
• Active inventory: 155
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,911 high
• Mortgage (P&I): −$524
• Tax from tax record: −$290 /mo · $3,476/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$401
• Net cashflow: $655

Break-even live

Break-even rent $1,083

Max offer price $99,900

Occupancy floor 61%

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 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1618 N Tenneha Ave Tyler, TX	3.0	1.0	1587	$1,400	$0.88	13d	1	0.91mi
324 S Saunders Ave Tyler, TX	3.0	2.0	1650	$2,100	$1.27	44d	1	1.32mi
1523 N Englewood Ave Tyler, TX	3.0	2.0	1542	$1,650	$1.07	44d	1	1.32mi
540 W Erwin St Tyler, TX	3.0	3.5	1956	$4,000	$2.04	44d	1	1.33mi
548 W Erwin St Tyler, TX	3.0	3.5	1956	$2,295	$1.17	21d	1	1.34mi
548 W Erwin St Tyler, TX	3.0	3.5	1956	$2,495	$1.28	44d	1	1.34mi
556 W Erwin St Tyler, TX	3.0	3.5	1956	$2,550	$1.30	21d	1	1.35mi
720 N Englewood Ave Tyler, TX	3.0	1.0	1856	$1,650	$0.89	44d	1	1.46mi
1538 N Hill Ave Tyler, TX	3.0	2.0	1813	$1,650	$0.91	21d	1	1.48mi

Listing history 35 events

1. 2026-06-19
   days on market $99,900 Active 77 DOM
2. 2026-06-18
   days on market $99,900 Active 76 DOM
3. 2026-06-17
   days on market $99,900 Active 75 DOM
4. 2026-06-16
   days on market $99,900 Active 74 DOM
5. 2026-06-15
   days on market $99,900 Active 73 DOM
6. 2026-06-14
   days on market $99,900 Active 71 DOM
7. 2026-06-13
   days on market $99,900 Active 70 DOM
8. 2026-06-10
   days on market $99,900 Active 68 DOM
9. 2026-06-09
   days on market $99,900 Active 67 DOM
10. 2026-06-08
    days on market $99,900 Active 66 DOM
11. 2026-06-07
    days on market $99,900 Active 65 DOM
12. 2026-06-05
    days on market $99,900 Active 62 DOM
13. 2026-06-02
    days on market $99,900 Active 60 DOM
14. 2026-06-01
    days on market $99,900 Active 59 DOM
15. 2026-05-31
    days on market $99,900 Active 58 DOM
16. 2026-05-30
    days on market $99,900 Active 57 DOM
17. 2026-05-15
    status Active 430-char remark

    Show marketing remark (430 chars)

    Investor Special! Welcome to 1521 N Haynie situated in North Tyler with convenient access to Hwy 271. This property features an approx. 1300 sq ft home and an approx. 775 sq ft guesthouse. It needs TLC, your vision and workmanship to bring it to life and once complete, it could make an excellent starter home with income potential or home with mother in law suite. Come visit this property and take advantage of this opportunity!

18. 2026-05-07
    status Pending 430-char remark

    Show marketing remark (430 chars)

    Investor Special! Welcome to 1521 N Haynie situated in North Tyler with convenient access to Hwy 271. This property features an approx. 1300 sq ft home and an approx. 775 sq ft guesthouse. It needs TLC, your vision and workmanship to bring it to life and once complete, it could make an excellent starter home with income potential or home with mother in law suite. Come visit this property and take advantage of this opportunity!

19. 2026-03-26
    listed $99,900 Active 430-char remark

    Show marketing remark (430 chars)

    Investor Special! Welcome to 1521 N Haynie situated in North Tyler with convenient access to Hwy 271. This property features an approx. 1300 sq ft home and an approx. 775 sq ft guesthouse. It needs TLC, your vision and workmanship to bring it to life and once complete, it could make an excellent starter home with income potential or home with mother in law suite. Come visit this property and take advantage of this opportunity!

20. 2024-03-18
    soldstatus Closed 731-char remark

    Show marketing remark (731 chars)

    Calling all real estate investors. This house features a good amount of spacious living area, and good sized bedrooms and flows very well. The house is situated in a fantastic location in North Tyler, with a brand new school right across the street, a grocery store around the corner and plenty of places for dining. A VERY UNIQUE PLUS, is the ADU (Additional Dwelling Unit ) that is out back. The ADU has a large amount of space, and can be used for mother in law suite, a small studio, or to rent it out and subsidize your mortgage ! (HOUSE HACKING) With a bit of rehab, this property is a home run ! This house is part of an estate, so buyer to satisfy self on all details. Call your Realtor TODAY, for your private showing !

21. 2024-03-08
    historical 731-char remark

    Show marketing remark (731 chars)

    Calling all real estate investors. This house features a good amount of spacious living area, and good sized bedrooms and flows very well. The house is situated in a fantastic location in North Tyler, with a brand new school right across the street, a grocery store around the corner and plenty of places for dining. A VERY UNIQUE PLUS, is the ADU (Additional Dwelling Unit ) that is out back. The ADU has a large amount of space, and can be used for mother in law suite, a small studio, or to rent it out and subsidize your mortgage ! (HOUSE HACKING) With a bit of rehab, this property is a home run ! This house is part of an estate, so buyer to satisfy self on all details. Call your Realtor TODAY, for your private showing !

22. 2024-02-06
    price $89,900 731-char remark

    Show marketing remark (731 chars)

    Calling all real estate investors. This house features a good amount of spacious living area, and good sized bedrooms and flows very well. The house is situated in a fantastic location in North Tyler, with a brand new school right across the street, a grocery store around the corner and plenty of places for dining. A VERY UNIQUE PLUS, is the ADU (Additional Dwelling Unit ) that is out back. The ADU has a large amount of space, and can be used for mother in law suite, a small studio, or to rent it out and subsidize your mortgage ! (HOUSE HACKING) With a bit of rehab, this property is a home run ! This house is part of an estate, so buyer to satisfy self on all details. Call your Realtor TODAY, for your private showing !

23. 2024-02-06
    listed $99,900 Active 731-char remark

    Show marketing remark (731 chars)

    Calling all real estate investors. This house features a good amount of spacious living area, and good sized bedrooms and flows very well. The house is situated in a fantastic location in North Tyler, with a brand new school right across the street, a grocery store around the corner and plenty of places for dining. A VERY UNIQUE PLUS, is the ADU (Additional Dwelling Unit ) that is out back. The ADU has a large amount of space, and can be used for mother in law suite, a small studio, or to rent it out and subsidize your mortgage ! (HOUSE HACKING) With a bit of rehab, this property is a home run ! This house is part of an estate, so buyer to satisfy self on all details. Call your Realtor TODAY, for your private showing !

24. 2024-02-02
    status Active
25. 2023-12-14
    historical
26. 2023-12-13
    status Active
27. 2023-11-29
    historical
28. 2023-11-08
    status Active
29. 2023-11-04
    historical
30. 2023-11-02
    listed $99,000 Active
31. 2023-10-13
    listed $129,900 Active
32. 2023-09-21
    listed $139,900 Active
33. 2023-07-24
    listed $159,900 Active
34. 2023-06-10
    listed $159,900
35. 1994-04-28
    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: $3,476 · $290/mo
• Projected year-2 tax: $3,476 · $290/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 2/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥110°F today · 26 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 60% 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: $22,933
• − Mortgage interest: −$5,596
• − Property taxes: −$3,476
• − Insurance: −$500
• − Repairs & maintenance: −$1,835
• − Management: −$1,835
• − Depreciation: −$2,906
• Taxable income: $6,786
• Est. tax owed @ 24.0%: −$1,629
• After-tax cash flow: $6,226/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): 27,927
• Household income: $51,564
• Rent vs Own: 47.1% rent · 52.9% own
• Severe rent burden: 803.0

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 0.61)
• Race & ethnicity: Hispanic / Latino 49% Black 37% White 12% Two or more races 11% Native American 1%
• Hispanic origin (detail): Mexican 47%
• Common ancestry: Lithuanian 1%
• Foreign-born: 20% · Canada
• Languages at home: 56% English-only · Spanish 44%

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: ▼ -12.63%
• Current HPI: 207.1573
• Rent YoY: ▲ 2.27%
• 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

-37.5% since first listed

19 events — show timeline

• 2026-05-15 Relisted — GTAR
• 2026-05-07 Pending — GTAR
• 2026-03-26 Listed $99,900 GTAR
• 2024-03-18 Sold (MLS) — GTAR
• 2024-03-08 Delisted — GTAR
• 2024-02-06 Price Changed $89,900 GTAR
• 2024-02-06 Listed $99,900 GTAR
• 2024-02-02 Relisted — GTAR
• 2023-12-14 Delisted — GTAR
• 2023-12-13 Relisted — GTAR
• 2023-11-29 Delisted — GTAR
• 2023-11-08 Relisted — GTAR
• 2023-11-04 Delisted — GTAR
• 2023-11-02 Listed $99,000 GTAR
• 2023-10-13 Listed $129,900 GTAR
• 2023-09-21 Listed $139,900 GTAR
• 2023-07-24 Listed $159,900 GTAR
• 2023-06-10 Listed $159,900 GTAR
• 1994-04-28 Sold (Public Records) — Public Records

Property tax history

+16.0%/yr

Latest (2024): $3,476 · +17.1% YoY. Source: county tax records.