13019 Lindenloch Ln · Houston, TX 77085

$312,660

3 bd · 2.5 ba · 2,220 sqft · SingleFamily public records · 65 Days on market

Built 2004 5,052 sqft lot $141/sqft · 18% above area Est $266k · 18% over

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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 +27.2/30.0
• DSCR +9.4/10.0
• 1% rule +8.1/10.0
• Appreciation +4.4/10.0
• Livability +3.7/5.0
• Rent growth +2.9/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Stop renting and start owning —4 beds, 2.5 baths, move-in ready.- The interior features fresh, neutral paint and no carpet throughout, with beautiful wood-inspired flooring in the living areas and stylish tile in the kitchen and dining zones. The heart of the home is the open-concept kitchen and breakfast area, showcasing natural wood cabinetry, stainless steel appliances, and a charming arched opening that overlooks the dining space. The spacious, fully fenced backyard includes a large, well-maintained storage shed — perfect for a workshop or extra storage. Solar panels already installed keep your energy costs low from day one, and the location puts you minutes from the Texas Medical Center and major highways. Buyer to verify all information, including room dimensions, schools, taxes, HOA details and restrictions.

Key facts

• Open-concept kitchen
• 5,052 sq ft lot
• 2 garage spots

Tags

• OPEN-CONCEPT KITCHEN
• NATURAL WOOD CABINETRY
• STAINLESS STEEL APPLIANCES
• FULLY FENCED BACKYARD
• WELL-MAINTAINED STORAGE SHED
• SOLAR PANELS INSTALLED

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $313k.

Deal economics

• At list price, monthly cash flow is $891 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $313k).
• Recommended offer: $294k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.7% 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: schools D, 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.
• Market conditions: Rents rising (+1.5%/yr); 37 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; 29,883 units permitted in Harris County in 2024 (8,621 in 5+ unit buildings).
• At $4,084/mo this rent would consume 72% of the median local household income ($68k/yr) (locally 519% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-1.2%/yr); year-one equity from $2k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Harris County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-1.2% appreciation + 1.5% rent growth), your $88k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($294k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $293,900 (6.0% below list)

Questions for the listing agent

1. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 6% 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 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?
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: 1.31% ✓
• Cap rate: 9.71%
• Cash-on-cash: 12.22%
• DSCR: 1.54
• GRM: 6.4

CMA / ARV

• ARV (median comp): $265,898
• List price: $312,660
• Delta: 17.59%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6027 Nodaway Creek Ct	0.32mi	3/2.5	2,136 (-4%)	0mo	$315,000	$147	79
5819 Tidewater Dr	0.29mi	3/2.5	2,260 (+2%)	9mo	$261,000	$115	76
6014 Pinacle Pt	0.26mi	3/2.5	2,044 (-8%)	2mo	$264,900	$130	73
5906 Nodaway Creek Ct	0.38mi	3/2.5	2,169 (-2%)	12mo	$309,000	$142	69
12842 Colony Heath Ln	0.21mi	4/2.5 (+1)	2,360 (+6%)	12mo	$333,000	$141	65
13102 Lindenloch Ln	0.04mi	4/2.5 (+1)	2,043 (-8%)	18mo	$295,584	$145	65
6031 Valley Cove Ln	0.26mi	4/2.5 (+1)	2,360 (+6%)	19mo	$289,500	$123	57
6502 River Bluff Dr	0.49mi	4/2.0 (+1)	2,044 (-8%)	2mo	$289,500	$142	56
13522 Titus Pt	0.45mi	3/2.0	2,002 (-10%)	8mo	$299,786	$150	54
6527 River Bluff Dr	0.57mi	4/2.5 (+1)	2,368 (+7%)	12mo	$295,000	$125	48
5726 Coastal Way	0.37mi	4/2.5 (+1)	1,910 (-14%)	11mo	$285,000	$149	46
5743 Coastal Way	0.34mi	3/2.5	1,910 (-14%)	23mo	$230,000	$120	42

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

Projected returns pro-forma

-1.21% appreciation · 1.54% rent growth · sell at horizon

5-year hold

• IRR: 6.4%
• Equity multiple: 1.28×
• Total profit: $24,457
• Equity at exit: $72,259

10-year hold

• IRR: 11.8%
• Equity multiple: 2.07×
• Total profit: $93,896
• Equity at exit: $73,173

Cash invested: $87,545 (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 77085

• Home prices YoY: -0.5%
• Rents YoY: 1.5%
• Active inventory: 37
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $4,084 medium
• Mortgage (P&I): −$1,640
• Tax from tax record: −$565 /mo · $6,780/yr
• Insurance: −$130
• HOA: −$0
• Vacancy / Maint / Mgmt: −$858
• Net cashflow: $891

Break-even live

Break-even rent $2,956

Max offer price $312,660

Occupancy floor 73%

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: $78,165
• Closing costs: $9,380
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5751 Firenza Dr Houston, TX	4.0	3.0	1777	$5,750	$3.24	1d	1	0.97mi
5815 Farwell Dr Houston, TX	4.0	2.0	2418	$2,200	$0.91	43d	1	0.99mi
5615 Cerritos Dr Unit 1514815P Houston, TX	4.0	2.0	1883	$7,300	$3.88	43d	1	1.36mi
12115 Hillcroft Ave Houston, TX	3.0	2.0	1837	$1,961	$1.07	43d	1	1.37mi
5631 Cerritos Dr Unit 1514826P Houston, TX	4.0	3.0	1883	$11,906	$6.32	21d	1	1.37mi
13939 Hillcroft Ave Unit 13972 Houston, TX	3.0	2.0	1404	$2,164	$1.54	20d	1	1.42mi
13939 Hillcroft Ave Houston, TX	1.0–3.0	1.0–2.0	985	$2,254	$2.29	3d	22	1.42mi

Listing history 14 events

1. 2026-06-18
   days on market $312,660 Active 65 DOM
2. 2026-06-17
   days on market $312,660 Active 64 DOM
3. 2026-06-16
   days on market $312,660 Active 63 DOM
4. 2026-06-15
   days on market $312,660 Active 62 DOM
5. 2026-06-13
   days on market $312,660 Active 60 DOM
6. 2026-06-10
   days on market $312,660 Active 56 DOM
7. 2026-06-08
   days on market $312,660 Active 55 DOM
8. 2026-06-07
   days on market $312,660 Active 54 DOM
9. 2026-06-04
   days on market $312,660 Active 51 DOM
10. 2026-06-01
    days on market $312,660 Active 48 DOM
11. 2026-05-31
    days on market $312,660 Active 47 DOM
12. 2026-04-14
    listed $312,660 Active 840-char remark

    Show marketing remark (840 chars)

    Stop renting and start owning —4 beds, 2.5 baths, move-in ready.- The interior features fresh, neutral paint and no carpet throughout, with beautiful wood-inspired flooring in the living areas and stylish tile in the kitchen and dining zones. The heart of the home is the open-concept kitchen and breakfast area, showcasing natural wood cabinetry, stainless steel appliances, and a charming arched opening that overlooks the dining space. The spacious, fully fenced backyard includes a large, well-maintained storage shed — perfect for a workshop or extra storage. Solar panels already installed keep your energy costs low from day one, and the location puts you minutes from the Texas Medical Center and major highways. Buyer to verify all information, including room dimensions, schools, taxes, HOA details and restrictions.

13. 2026-04-07
    historical
14. 2026-01-23
    listed $312,660 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: $6,780 · $565/mo
• Projected year-2 tax: $6,780 · $565/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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥110°F today · 23 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: $49,005
• − Mortgage interest: −$17,514
• − Property taxes: −$6,780
• − Insurance: −$1,563
• − Repairs & maintenance: −$3,920
• − Management: −$3,920
• − Depreciation: −$9,096
• Taxable income: $6,211
• Est. tax owed @ 24.0%: −$1,491
• After-tax cash flow: $9,204/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): 16,513
• Household income: $68,470
• Rent vs Own: 31.6% rent · 68.4% own
• Severe rent burden: 519.0

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: Majority Hispanic (64%)
• Race & ethnicity: Hispanic / Latino 64% Black 28% Two or more races 19% Native American 6% White 5% Asian 2%
• Hispanic origin (detail): Mexican 41%
• Common ancestry: Italian 1%
• Foreign-born: 32% · Canada, Vietnam, Dominican Republic
• Languages at home: 38% English-only · Spanish 57% Other Indo-European 1% Vietnamese 1%

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: ▼ -1.21%
• Current HPI: 254.3084
• Rent YoY: ▲ 1.54%
• 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

+0.0% since first listed

3 events — show timeline

• 2026-04-14 Listed $312,660 HARMLS
• 2026-04-07 Listing Removed — HARMLS
• 2026-01-23 Listed $312,660 HARMLS

Property tax history

+9.1%/yr

Latest (2025): $6,780 · +4.8% YoY. Source: county tax records.