5130 County Road 868e Rd · Jones Creek, TX
Flood risk 10/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 10/10 · Severe
- Hot days now (above 117°F)
- 7 days/yr
- Hot days in 30 yrs
- 25 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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
- DSCR +10.0/10.0
- Appreciation +10.0/10.0
- 1% rule +8.7/10.0
- ARV discount +3.6/15.0
- Livability +3.3/5.0
- Schools +3.1/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
$114,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This Double-wide Mobile Home with a 16' x 19' Screened Porch on 1.07 acre has so much potential. You can make it your own with a few cosmetic repairs. The Primary Bathroom has a large separate Shower and a 4' x 5' Corner Jetted Tub. The Vanity Cabinet has Double Sinks and Double Mirrors. The Walk-in Closet is 27' x 5' with an Entry from both the Primary Bathroom and Primary Bedroom. This is a "Split Bedroom Plan" with the Primary Bedroom & Primary Bathroom on one end off the Living Area and the other two bedrooms & bath on the other end. There is a Built-in Corner Desk and Overhead Shelves and Cabinets. There is an inside Utility Room and a Wood Burning Fireplace. This can be a great second home and/or resort home to relax and go boating or fishing in the nearby river.
Key facts
- 1.07 acre lot
- Built 2015
- Listed 84 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath manufactured listed at $115k.
Deal economics
- At list price, monthly cash flow is $102 ($1k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $115k).
- Recommended offer: $108k (6.0% below list) — sets the bar for market timing.
- Cap rate 11.8% vs local median 1.8% in Jones Creek — 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 66/100 on livability (#633 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
- Sweeny ISD (town): math 32% / reading 40% proficiency, ranked #480 of 826 in TX (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: 212 active listings in the ZIP; 3,960 units permitted in Brazoria County in 2024 (593 in 5+ unit buildings).
Forward outlook
- In year one you build about $12k of equity ($794 loan paydown + $11k appreciation (10.0% local appreciation)).
- Brazoria County population projected at +44% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (10.0% appreciation + 3.0% rent growth), your $32k cash investment doubles in ~3 years — after that, you're playing with house money.
- By year 3, 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 85 days — a 6% lower offer ($108k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 5y 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: flood insurance adds $427/mo.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 85 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 1.37% ✓
- Cap rate
- 11.82%
- Cash-on-cash
- 19.72%
- DSCR
- 1.88
- GRM
- 6.1
CMA / ARV
- ARV (median comp)
- $105,652
- List price
- $114,900
- Delta
- 8.75%
- Verdict
- FAIR
- Comps
- 1 within 2.0 mi
Projected returns pro-forma
10.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 27.1%
- Equity multiple
- 3.15×
- Total profit
- $69,328
- Equity at exit
- $103,511
- IRR
- 23.8%
- Equity multiple
- 7.20×
- Total profit
- $199,512
- Equity at exit
- $223,225
Cash invested: $32,172 (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
ZIP-level market 77422
- Home prices YoY
- 5.1%
- Active inventory
- 212
- Price-to-rent
- 6.1×
Monthly cashflow live
- Estimated rent
- $1,577 medium interval (Pro) →
- Mortgage (P&I)
- −$603
- Tax from tax record
- −$66 /mo · $796/yr
- Insurance
- −$48
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$331
- Net cashflow
- $102
Break-even live
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
- $28,725
- Closing costs
- $3,447
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 28 events
-
2026-06-19days on market $114,900 Active 85 DOM
-
2026-06-18days on market $114,900 Active 84 DOM
-
2026-06-17days on market $114,900 Active 83 DOM
-
2026-06-16days on market $114,900 Active 82 DOM
-
2026-06-15days on market $114,900 Active 81 DOM
-
2026-06-14days on market $114,900 Active 79 DOM
-
2026-06-12days on market $114,900 Active 78 DOM
-
2026-06-09days on market $114,900 Active 75 DOM
-
2026-06-08days on market $114,900 Active 74 DOM
-
2026-06-07days on market $114,900 Active 73 DOM
-
2026-06-07days on market $114,900 Active 72 DOM
-
2026-06-03days on market $114,900 Active 69 DOM
-
2026-06-02days on market $114,900 Active 68 DOM
-
2026-06-01days on market $114,900 Active 67 DOM
-
2026-05-31days on market $114,900 Active 66 DOM
-
2026-05-30days on market $114,900 Active 65 DOM
-
2026-03-26$114,900 Active 799-char remark
Show marketing remark (799 chars)
This Double-wide Mobile Home with a 16' x 19' Screened Porch on 1.07 acre has so much potential. You can make it your own with a few cosmetic repairs. The Primary Bathroom has a large separate Shower and a 4' x 5' Corner Jetted Tub. The Vanity Cabinet has Double Sinks and Double Mirrors. The Walk-in Closet is 27' x 5' with an Entry from both the Primary Bathroom and Primary Bedroom. This is a "Split Bedroom Plan" with the Primary Bedroom & Primary Bathroom on one end off the Living Area and the other two bedrooms & bath on the other end. There is a Built-in Corner Desk and Overhead Shelves and Cabinets. There is an inside Utility Room and a Wood Burning Fireplace. This can be a great second home and/or resort home to relax and go boating or fishing in the nearby river.
-
2022-12-30historical
-
2022-07-19$165,000 Active
-
2022-07-17historical
-
2022-07-06price $165,000
-
2022-03-21price $169,000
-
2022-01-17status Active
-
2022-01-11historical
-
2021-10-18price $174,000
-
2021-09-28price $179,000
-
2021-09-09price $189,000
-
2021-09-03$199,000 Active
ⓘ 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
- $796 · $66/mo
- Projected year-2 tax
- $2,103 · $175/mo
- Expected delta
- +$1,307/yr (+$109/mo · 164.3%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
- Wildfire 5/10 Major
- Heat 10/10 Extreme 7 d/yr ≥117°F today · 25 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 · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $18,919
- − Mortgage interest
- −$6,436
- − Property taxes
- −$796
- − Insurance
- −$5,693
- − Repairs & maintenance
- −$1,514
- − Management
- −$1,514
- − Depreciation
- −$3,343
- Taxable loss
- −$375
- Est. tax savings @ 24.0%
- +$90
- After-tax cash flow
- $1,317/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
- Sweeny ISD
- NCES district ID
- 4841970
- Math proficiency
- 32% ▼ -12.00%
- Reading proficiency
- 40% ▼ -1.00%
- Median HH income
- $53,607
- Composite
- 31.49/100
- National rank
- #5975
- State rank
- #480 of 826 in TX
Livability — Jones Creek
- Score
- 66/100
- State rank
- #633
- US rank
- #12077
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Population (ZIP)
- 14,548
Population outlook (Brazoria County) Hauer SSP2
- Today (2025)
- 420,414 people
- By 2030
- 457,585 · +8.8%
- By 2040
- 532,232 · +26.6%
- By 2050
- 605,399 · +44.0%
- By 2075
- 779,358 · +85.4%
- By 2100
- 883,759 · +110.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Majority White (64%)
- Race & ethnicity
- White 64% Hispanic / Latino 21% Two or more races 15% Black 10%
- Hispanic origin (detail)
- Mexican 18%
- Common ancestry
- Lithuanian 3% Slovak 2% Italian 2%
- Foreign-born
- 7% · Canada
- Languages at home
- 86% English-only · Spanish 13%
Political lean MEDSL · Brazoria
- 2024 margin
- R (+19.7) · D 39.5% · R 59.2% · Other 1.3%
- 2008→2024 swing
- +9.9pp toward D · 2008: -29.6pp · 2024: -19.7pp
- All cycles
- 2024: R+19.7 2020: R+18.2 2016: R+24.6 2012: R+34.2 2008: R+29.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 14.41%
- Current HPI
- 296.0632
- 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 |
|
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| Technology | 5 | $198B |
|
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| Engineering / Construction | 4 | $72B |
|
||
| Energy Services | 3 | $60B |
|
||
| Utilities | 3 | $41B |
|
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| Healthcare | 2 | $330B |
|
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Price history
-42.3% since first listed12 events — show timeline
- 2026-03-26 Listed $114,900 HARMLS
- 2022-12-30 Listing Removed — HARMLS
- 2022-07-19 Listed $165,000 HARMLS
- 2022-07-17 Listing Removed — HARMLS
- 2022-07-06 Price Changed $165,000 HARMLS
- 2022-03-21 Price Changed $169,000 HARMLS
- 2022-01-17 Relisted — HARMLS
- 2022-01-11 Listing Removed — HARMLS
- 2021-10-18 Price Changed $174,000 HARMLS
- 2021-09-28 Price Changed $179,000 HARMLS
- 2021-09-09 Price Changed $189,000 HARMLS
- 2021-09-03 Listed $199,000 HARMLS
Property tax history
+13.7%/yrLatest (2019): $796 · -4.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…