125 Chatham Ln · Bawcomville, LA 71292

$102,500

4 bd · 1.0 ba · 1,400 sqft · SingleFamily public records · 76 Days on market

Built 1950 $73/sqft · 44% below area Est $172k · 40% under ↓ 20% 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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.7/10.0
• Schools +3.2/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Horseshoed in with Woods all around you for extra privacy is this cute 3 bed 1 bath home sitting on 1.5 acres! Looking for a nice place that you can put your own touch on and don’t wanna break the bank? Then look no further than 125 Chatham Lane! Located about 10 miles out in the country on a dead end road away from the hustle and bustle yet just about 15 mins away from Walmart. Inside is a nice floor plan with an open living room/kitchen concept! There is a 4th room than can easily be another bedroom or second living room. Outback is 2 nice storage buildings for your storage needs. Outback with nothing but woods behind you and around you makes your own little private place. Set your appointment and come check this place out!

Key facts

• Storage buildings
• 2 garage spots
• Listed 76 days

Tags

• STORAGE BUILDINGS

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $102k.

Deal economics

• At list price, monthly cash flow is $424 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $102k).
• Recommended offer: $96k (6.0% below list) — sets the bar for market timing.
• Cap rate 11.3% vs local median 3.6% in Bawcomville — 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 56/100 on livability (#347 in LA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A-; Watch: health & safety D, schools F, amenities F.
• Ouachita Parish (suburban): math 31% / reading 45% proficiency, ranked #26 of 98 in LA (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 195 active listings in the ZIP; 345 units permitted in Ouachita Parish in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($51k/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 $709 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $29k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 76 days — a 6% lower offer ($96k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 4y ago; this cycle's ask has dropped $7k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 77% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,350 (6.0% below list)

Questions for the listing agent

1. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 6% 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. 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 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?
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: 1.27% ✓
• Cap rate: 11.25%
• Cash-on-cash: 17.71%
• DSCR: 1.79
• GRM: 6.5

CMA / ARV

• ARV (median comp): $171,785
• List price: $102,500
• Delta: -40.33%
• Verdict: UNDERPRICED
• Comps: 3 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
140 Leta Ln	0.66mi	3/2.0 (-1)	1,335 (-5%)	10mo	$159,000	$119	45

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.2%
• Equity multiple: 1.36×
• Total profit: $10,330
• Equity at exit: $15,283

10-year hold

• IRR: 18.3%
• Equity multiple: 2.52×
• Total profit: $43,568
• Equity at exit: $8,862

Cash invested: $28,700 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Louisiana: 90 Strongly Landlord-Friendly · R+12
• County: — inherits STATE
• City: — inherits STATE

5-day notice; no state rent control; civil-law jurisdiction; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 71292

• Home prices YoY: -22.1%
• Active inventory: 195
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,306 medium
• Mortgage (P&I): −$538
• Tax from tax record: −$28 /mo · $339/yr
• Insurance: −$43
• HOA: −$0
• Vacancy / Maint / Mgmt: −$274
• Net cashflow: $424

Break-even live

Break-even rent $770

Max offer price $102,500

Occupancy floor 63%

Sensitivity live

Price	-10% $482	-5% $453	+0% $424	+5% $395	+10% $366
Rent	-10% $320	-5% $372	+0% $424	+5% $475	+10% $527
Rate	-1.0pp $475	-0.5pp $450	base $424	+0.5pp $397	+1.0pp $370

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: $25,625
• Closing costs: $3,075
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-07
   statusdays on market $102,500 Pending 76 DOM
2. 2026-06-03
   days on market $102,500 Active 104 DOM
3. 2026-06-02
   pricedays on market $102,500 Active 103 DOM
4. 2026-06-01
   days on market $107,500 Active 102 DOM
5. 2026-05-31
   days on market $107,500 Active 101 DOM
6. 2026-05-30
   days on market $107,500 Active 100 DOM
7. 2026-05-06
   status Active 741-char remark

   Show marketing remark (741 chars)

   Horseshoed in with Woods all around you for extra privacy is this cute 3 bed 1 bath home sitting on 1.5 acres! Looking for a nice place that you can put your own touch on and don’t wanna break the bank? Then look no further than 125 Chatham Lane! Located about 10 miles out in the country on a dead end road away from the hustle and bustle yet just about 15 mins away from Walmart. Inside is a nice floor plan with an open living room/kitchen concept! There is a 4th room than can easily be another bedroom or second living room. Outback is 2 nice storage buildings for your storage needs. Outback with nothing but woods behind you and around you makes your own little private place. Set your appointment and come check this place out!

8. 2026-04-11
   price $107,500 741-char remark

   Show marketing remark (741 chars)

   Horseshoed in with Woods all around you for extra privacy is this cute 3 bed 1 bath home sitting on 1.5 acres! Looking for a nice place that you can put your own touch on and don’t wanna break the bank? Then look no further than 125 Chatham Lane! Located about 10 miles out in the country on a dead end road away from the hustle and bustle yet just about 15 mins away from Walmart. Inside is a nice floor plan with an open living room/kitchen concept! There is a 4th room than can easily be another bedroom or second living room. Outback is 2 nice storage buildings for your storage needs. Outback with nothing but woods behind you and around you makes your own little private place. Set your appointment and come check this place out!

9. 2026-03-31
   status Active 741-char remark

   Show marketing remark (741 chars)

   Horseshoed in with Woods all around you for extra privacy is this cute 3 bed 1 bath home sitting on 1.5 acres! Looking for a nice place that you can put your own touch on and don’t wanna break the bank? Then look no further than 125 Chatham Lane! Located about 10 miles out in the country on a dead end road away from the hustle and bustle yet just about 15 mins away from Walmart. Inside is a nice floor plan with an open living room/kitchen concept! There is a 4th room than can easily be another bedroom or second living room. Outback is 2 nice storage buildings for your storage needs. Outback with nothing but woods behind you and around you makes your own little private place. Set your appointment and come check this place out!

10. 2026-03-08
    status Pending 741-char remark

    Show marketing remark (741 chars)

    Horseshoed in with Woods all around you for extra privacy is this cute 3 bed 1 bath home sitting on 1.5 acres! Looking for a nice place that you can put your own touch on and don’t wanna break the bank? Then look no further than 125 Chatham Lane! Located about 10 miles out in the country on a dead end road away from the hustle and bustle yet just about 15 mins away from Walmart. Inside is a nice floor plan with an open living room/kitchen concept! There is a 4th room than can easily be another bedroom or second living room. Outback is 2 nice storage buildings for your storage needs. Outback with nothing but woods behind you and around you makes your own little private place. Set your appointment and come check this place out!

11. 2025-12-22
    listed $109,900 Active 741-char remark

    Show marketing remark (741 chars)

    Horseshoed in with Woods all around you for extra privacy is this cute 3 bed 1 bath home sitting on 1.5 acres! Looking for a nice place that you can put your own touch on and don’t wanna break the bank? Then look no further than 125 Chatham Lane! Located about 10 miles out in the country on a dead end road away from the hustle and bustle yet just about 15 mins away from Walmart. Inside is a nice floor plan with an open living room/kitchen concept! There is a 4th room than can easily be another bedroom or second living room. Outback is 2 nice storage buildings for your storage needs. Outback with nothing but woods behind you and around you makes your own little private place. Set your appointment and come check this place out!

12. 2025-11-26
    status Active
13. 2025-06-11
    status Active
14. 2025-06-05
    status Pending
15. 2025-04-25
    price $115,000
16. 2025-02-20
    status Active
17. 2024-08-16
    price $145,000
18. 2024-03-01
    listed $160,000 Active
19. 2022-05-12
    price $130,000
20. 2022-01-13
    listed $135,000 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 LA · Resets to sale price

• Current annual tax: $339 · $28/mo
• Projected year-2 tax: $564 · $47/mo
• Expected delta: +$225/yr (+$19/mo · 66.4%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥111°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 77% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,677
• − Mortgage interest: −$5,742
• − Property taxes: −$339
• − Insurance: −$512
• − Repairs & maintenance: −$1,254
• − Management: −$1,254
• − Depreciation: −$2,982
• Taxable income: $3,594
• Est. tax owed @ 24.0%: −$863
• After-tax cash flow: $4,221/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: Ouachita Parish
• NCES district ID: 2201200
• Math proficiency: 31% ▼ -38.00%
• Reading proficiency: 45% ▼ -31.00%
• Median HH income: $43,316
• Composite: 32.14/100
• National rank: #5791
• State rank: #26 of 98 in LA

Livability — Bawcomville

• Score: 56/100
• State rank: #347
• US rank: #22968

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Ouachita Parish · 118,340 people
• Metro: Monroe, LA
• Population (ZIP): 22,935
• Household income: $51,355
• Rent vs Own: 30.9% rent · 69.1% own
• Severe rent burden: 1027.0

Population outlook (Ouachita County) Hauer SSP2

• Today (2025): 163,370 people
• By 2030: 165,520 · +1.3%
• By 2040: 167,652 · +2.6%
• By 2050: 166,699 · +2.0%
• By 2075: 156,348 · -4.3%
• By 2100: 134,102 · -17.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Black 20% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Lithuanian 4% Slovak 2% Serbian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Ouachita

• 2024 margin: Strong R (+27.9) · D 35.5% · R 63.3% · Other 1.2%
• 2008→2024 swing: -2.7pp toward R · 2008: -25.2pp · 2024: -27.9pp
• All cycles: 2024: R+27.9 2020: R+23.6 2016: R+25.4 2012: R+20.9 2008: R+25.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -53.78%
• Current HPI: 189.9135
• Rent YoY: —
• Metro: Monroe, LA
• State GDP YoY: ▲ 3.29%
• F500 in state: 10

Industry mix (Fortune 500 HQ in LA)

Industry	F500 HQs	Revenue
▸Telecommunications	2	$23B
▸Utilities	1	$12B
▸Wholesale / Distribution	1	$5B
▸Advertising	1	$2B

Price history

-20.4% since first listed

14 events — show timeline

• 2026-05-06 Relisted — NELABOR
• 2026-04-11 Price Changed $107,500 NELABOR
• 2026-03-31 Relisted — NELABOR
• 2026-03-08 Pending — NELABOR
• 2025-12-22 Listed $109,900 NELABOR
• 2025-11-26 Relisted — NELABOR
• 2025-06-11 Relisted — NELABOR
• 2025-06-05 Pending — NELABOR
• 2025-04-25 Price Changed $115,000 NELABOR
• 2025-02-20 Relisted — NELABOR
• 2024-08-16 Price Changed $145,000 NELABOR
• 2024-03-01 Listed $160,000 NELABOR
• 2022-05-12 Price Changed $130,000 NELABOR
• 2022-01-13 Listed $135,000 NELABOR

Property tax history

+1.8%/yr

Latest (2025): $339 · -1.2% YoY. Source: county tax records.