150 Sarah Ln · Milford, TX 76670

$195,990

3 bd · 2.0 ba · 1,209 sqft · SingleFamily · 182 Days on market

Built 2025 Good condition 8,015 sqft lot $162/sqft · at area comps Est $206k · at est. ↓ 2% since listing

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Why this score? — see what drove the C- 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 +15.6/30.0
• ARV discount +9.6/15.0
• Appreciation +8.7/10.0
• DSCR +4.8/10.0
• 1% rule +4.3/10.0
• Condition / age +4.0/5.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

MLS# 21115922 - Built by NHC - Ready Now! ~ The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you’ll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

Key facts

• 8,015 sq ft lot
• 2 garage spots
• Built 2025

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $196k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $84 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $182k (7.1% below list).
• Recommended offer: $172k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 55/100 on livability (#1,343 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools F, crime F, amenities F.
• Milford ISD (rural): math 15% / reading 30% proficiency, ranked #1,086 of 1,141 in TX (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 51 active listings in the ZIP; 3,016 units permitted in Ellis County in 2024 (20 in 5+ unit buildings).

Forward outlook

• In year one you build about $16k of equity ($1k loan paydown + $15k appreciation (7.5% local appreciation)).
• Ellis County population projected at +36% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (7.5% appreciation + 3.0% rent growth), your $55k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$40k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 182 days — a 12% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $37k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% 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.

Recommended offer $172,471 (12.0% below list)

Questions for the listing agent

1. It's been on market 182 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.93% ✗
• Cap rate: 6.81%
• Cash-on-cash: 1.83%
• DSCR: 1.08
• GRM: 9.0

CMA / ARV

• ARV (median comp): $205,688
• List price: $195,990
• Delta: -4.71%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
341 Maxine Ct	0.08mi	3/2.0	1,209 (0%)	2mo	$209,990	$174	95
370 S Pecan St	0.28mi	3/2.0	1,230 (+2%)	0mo	$244,900	$199	83
240 E Water	0.06mi	3/2.0	1,148 (-5%)	12mo	$175,000	$152	78
610 West Ave	0.53mi	3/2.0	1,290 (+7%)	18mo	$230,000	$178	49
620 S Elm	0.51mi	3/2.0	1,295 (+7%)	19mo	$219,900	$170	48
380 3rd Ave	0.61mi	3/2.0	1,272 (+5%)	24mo	$240,000	$189	43

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

Projected returns pro-forma

7.5% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.3%
• Equity multiple: 2.45×
• Total profit: $79,841
• Equity at exit: $142,243

10-year hold

• IRR: 19.0%
• Equity multiple: 5.15×
• Total profit: $227,718
• Equity at exit: $276,228

Cash invested: $54,877 (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 76670

• Home prices YoY: 2.5%
• Active inventory: 51
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,820 medium
• Mortgage (P&I): −$1,028
• Tax est. 1.5%: −$245 /mo · $2,940/yr
• Insurance: −$82
• HOA: −$0
• Vacancy / Maint / Mgmt: −$382
• Net cashflow: $84

Break-even live

Break-even rent $1,714

Max offer price $195,990

Occupancy floor 90%

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: $48,998
• Closing costs: $5,880
• Reserves months: —
• Total cash needed: —

Listing history 31 events

1. 2026-06-02
   statusdays on market $195,990 Pending 182 DOM
2. 2026-06-01
   days on market $195,990 Active 181 DOM
3. 2026-05-31
   days on market $195,990 Active 180 DOM
4. 2026-05-14
   price $199,990 949-char remark

   Show marketing remark (894 chars)

   The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

5. 2026-05-14
   price $199,990 894-char remark

   Show marketing remark (894 chars)

   The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

6. 2026-04-03
   price $202,990 949-char remark

   Show marketing remark (894 chars)

   The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

7. 2026-04-03
   price $202,990 894-char remark

   Show marketing remark (894 chars)

   The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

8. 2026-03-25
   price $207,990 949-char remark

   Show marketing remark (894 chars)

   The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

9. 2026-03-25
   price $207,990 894-char remark

   Show marketing remark (894 chars)

   The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

10. 2026-03-11
    price $212,990 949-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

11. 2026-03-11
    price $212,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

12. 2026-03-06
    price $217,990 949-char remark

    Show marketing remark (949 chars)

    MLS# 21115922 - Built by NHC - Ready Now! ~ The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you’ll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

13. 2026-03-05
    price $217,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

14. 2026-03-04
    price $221,990 949-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

15. 2026-03-04
    price $221,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

16. 2026-02-27
    price $219,990 949-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

17. 2026-02-27
    price $219,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

18. 2026-02-11
    price $221,990 949-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

19. 2026-02-11
    price $221,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

20. 2026-02-06
    price $226,990 949-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

21. 2026-02-06
    price $226,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

22. 2026-01-26
    price $229,990 949-char remark

    Show marketing remark (949 chars)

    MLS# 21115922 - Built by NHC - Ready Now! ~ The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you’ll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

23. 2026-01-24
    price $229,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

24. 2026-01-15
    price $232,990 894-char remark

    Show marketing remark (949 chars)

    MLS# 21115922 - Built by NHC - Ready Now! ~ The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you’ll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

25. 2026-01-15
    price $232,990 949-char remark

    Show marketing remark (949 chars)

    MLS# 21115922 - Built by NHC - Ready Now! ~ The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you’ll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

26. 2025-11-18
    listed $233,322 Active 949-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

27. 2025-11-18
    price $233,322 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

28. 2025-10-09
    price $209,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

29. 2025-04-10
    price $229,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

30. 2025-03-05
    price $219,990 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

31. 2025-02-26
    listed $204,990 Active 894-char remark

    Show marketing remark (894 chars)

    The Washington Plan from our Liberty Series is a thoughtfully designed single-story home featuring 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,209 square feet of functional living space. As you step inside, you'll find two secondary bedrooms and a full bathroom conveniently located at the front of the home. Continue into the bright and open living area, where the kitchen with a central island seamlessly overlooks the dining area and family room, creating a perfect space for everyday living and entertaining. The laundry room is thoughtfully situated off the kitchen for easy access. The primary bedroom, located at the back of the home for added privacy, features a private bathroom and a walk-in closet, providing a comfortable retreat. Disclaimer: Photos may not represent the actual home. They are for illustrative purposes only and may depict a similar home with the same floorplan.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥109°F today · 25 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,846
• − Mortgage interest: −$10,978
• − Property taxes: −$2,940
• − Insurance: −$980
• − Repairs & maintenance: −$1,748
• − Management: −$1,748
• − Depreciation: −$5,702
• Taxable loss: −$2,249
• Est. tax savings @ 24.0%: +$540
• After-tax cash flow: $1,545/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This single-story home is in good condition with a modern interior and well-maintained exterior. It's ready for move-in and offers a good return on investment.

Value-add opportunities

• Both Paint the exterior shutters — Enhances curb appeal and value
• Both Install smart home automation — Improves energy efficiency and adds modern features
• Both Add a smart thermostat — Saves energy and adds convenience

Renovation cost estimate screening

Value-add ROI direction

• Both Paint the exterior shutters — Enhances curb appeal and value ↑
• Both Install smart home automation — Improves energy efficiency and adds modern features ↑
• Both Add a smart thermostat — Saves energy and adds convenience ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Milford ISD
• NCES district ID: 4830780
• Math proficiency: 15% ▼ -15.00%
• Reading proficiency: 30% ▬ 0.00%
• Median HH income: $47,400
• Composite: 22.85/100
• National rank: #13398
• State rank: #1086 of 1141 in TX

Livability — Milford

• Score: 55/100
• State rank: #1343
• US rank: #23142

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Milford, TX
• Population (ZIP): 1,921

Population outlook (Ellis County) Hauer SSP2

• Today (2025): 194,556 people
• By 2030: 209,679 · +7.8%
• By 2040: 238,837 · +22.8%
• By 2050: 265,451 · +36.4%
• By 2075: 326,571 · +67.9%
• By 2100: 362,156 · +86.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 52% Hispanic / Latino 29% Black 16% Two or more races 14% Native American 2%
• Hispanic origin (detail): Mexican 22%
• Common ancestry: Serbian 1% Lithuanian 1% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 80% English-only · Spanish 19%

Political lean MEDSL · Ellis

• 2024 margin: Solid R (+31.1) · D 34.0% · R 65.1%
• 2008→2024 swing: +11.2pp toward D · 2008: -42.2pp · 2024: -31.1pp
• All cycles: 2024: R+31.1 2020: R+34.1 2016: R+45.4 2012: R+47.5 2008: R+42.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 7.50%
• Current HPI: 311.8126
• 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

-2.4% since first listed

28 events — show timeline

• 2026-05-14 Price Changed $199,990 NTREIS
• 2026-05-14 Price Changed $199,990 Zillow
• 2026-04-03 Price Changed $202,990 NTREIS
• 2026-04-03 Price Changed $202,990 Zillow
• 2026-03-25 Price Changed $207,990 NTREIS
• 2026-03-25 Price Changed $207,990 Zillow
• 2026-03-11 Price Changed $212,990 NTREIS
• 2026-03-11 Price Changed $212,990 Zillow
• 2026-03-06 Price Changed $217,990 NTREIS
• 2026-03-05 Price Changed $217,990 Zillow
• 2026-03-04 Price Changed $221,990 NTREIS
• 2026-03-04 Price Changed $221,990 Zillow
• 2026-02-27 Price Changed $219,990 NTREIS
• 2026-02-27 Price Changed $219,990 Zillow
• 2026-02-11 Price Changed $221,990 NTREIS
• 2026-02-11 Price Changed $221,990 Zillow
• 2026-02-06 Price Changed $226,990 NTREIS
• 2026-02-06 Price Changed $226,990 Zillow
• 2026-01-26 Price Changed $229,990 NTREIS
• 2026-01-24 Price Changed $229,990 Zillow
• 2026-01-15 Price Changed $232,990 Zillow
• 2026-01-15 Price Changed $232,990 NTREIS
• 2025-11-18 Listed $233,322 NTREIS
• 2025-11-18 Price Changed $233,322 Zillow
• 2025-10-09 Price Changed $209,990 Zillow
• 2025-04-10 Price Changed $229,990 Zillow
• 2025-03-05 Price Changed $219,990 Zillow
• 2025-02-26 Listed $204,990 Zillow