77 Pr 52046 · Rocky Mound, TX 75686

$69,000

2 bd · 1.5 ba · 896 sqft · Manufactured public records · 28 Days on market

Built 1999 $18/mo HOA · 1% of rent ↓ 14% 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
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Livability +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Affordable Fishing Retreat!! This 2 bedroom, 2 bath mobile home with 3 lots, includes a carport, 2 storage buildings and a fish cleaning station. Furnishings currently at property convey with sale. The lake and boat ramp are located conveniently across the street. Call today to schedule a showing!

Key facts

• Community boat ramp
• 2 carports
• Water views

Tags

• WATER VIEWS
• COMMUNITY BOAT RAMP
• 3 LOTS
• 2 CARPORTS
• STORAGE SHED
• PRIVATE ROAD ACCESS

Property features AI

Finance

• Other: Directions: from CR 2120 take CR 2121, follow until PR 52040 then follow towards boat ramp until PR 52046; property will be on the right.
• HOA & community: Homeowners association with an annual fee of $210 (about $17.50/month)

Exterior

• Home design: Single-story manufactured (mobile) home; Located in Woodland Harbor subdivision
• Construction: Aluminum siding; Vinyl siding
• Exterior features: Porch; Storage structure; Views of Bob Sandlin

Interior

• Kitchen: Dishwasher
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Central heating (electric); Central air conditioning; Ceiling fans
• Interior features: Dishwasher

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath manufactured listed at $69k.

Deal economics

• At list price, monthly cash flow is $674 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $69k).
• Recommended offer: $68k (1.5% below list) — sets the bar for market timing.
• Cap rate 18.0% vs local median 1.1% in Rocky Mound — 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 43/100 on livability (#1,576 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime A; Watch: amenities F, commute F, employment F.
• Pittsburg ISD (town): math 54% / reading 44% proficiency, ranked #216 of 826 in TX (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Pittsburg El (math 34% / reading 35%, grade F, #1,995 of 4,322 statewide, top 50%, 545 students, 80% FRL); Pittsburg J H (math 48% / reading 43%, grade D+, #470 of 1,662 statewide, top 29%, 349 students, 82% FRL); Pittsburg H S (math 62% / reading 52%, grade C, #333 of 1,632 statewide, top 22%, 726 students, 78% FRL).
• Market conditions: 313 active listings in the ZIP; 3 units permitted in Camp County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $477 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Camp County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($68k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y 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

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $67,965 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 2.10% ✓
• Cap rate: 18.02%
• Cash-on-cash: 41.88%
• DSCR: 2.86
• GRM: 4.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 38.5%
• Equity multiple: 2.65×
• Total profit: $31,782
• Equity at exit: $10,288

10-year hold

• IRR: 45.0%
• Equity multiple: 5.30×
• Total profit: $83,043
• Equity at exit: $5,966

Cash invested: $19,320 (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 75686

• Home prices YoY: -21.6%
• Active inventory: 313
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,446 medium
• Mortgage (P&I): −$362
• Tax from tax record: −$60 /mo · $718/yr
• Insurance: −$29
• HOA: −$18
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $674

Break-even live

Break-even rent $593

Max offer price $69,000

Occupancy floor 48%

Sensitivity live

Price	-10% $713	-5% $694	+0% $674	+5% $655	+10% $635
Rent	-10% $560	-5% $617	+0% $674	+5% $731	+10% $789
Rate	-1.0pp $709	-0.5pp $692	base $674	+0.5pp $656	+1.0pp $638

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: $17,250
• Closing costs: $2,070
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $18 · $216/yr

Listing history 24 events

1. 2026-06-19
   days on market $69,000 Active 28 DOM
2. 2026-06-18
   days on market $69,000 Active 27 DOM
3. 2026-06-17
   days on market $69,000 Active 26 DOM
4. 2026-06-16
   days on market $69,000 Active 25 DOM
5. 2026-06-15
   days on market $69,000 Active 24 DOM
6. 2026-06-14
   days on market $69,000 Active 22 DOM
7. 2026-06-12
   days on market $69,000 Active 21 DOM
8. 2026-06-09
   days on market $69,000 Active 18 DOM
9. 2026-06-08
   days on market $69,000 Active 17 DOM
10. 2026-06-07
    days on market $69,000 Active 16 DOM
11. 2026-06-05
    days on market $69,000 Active 14 DOM
12. 2026-06-03
    days on market $69,000 Active 12 DOM
13. 2026-06-02
    days on market $69,000 Active 11 DOM
14. 2026-06-01
    days on market $69,000 Active 10 DOM
15. 2026-05-31
    days on market $69,000 Active 9 DOM
16. 2026-05-30
    days on market $69,000 Active 8 DOM
17. 2026-05-22
    listed $69,000 Active
18. 2022-11-15
    soldstatus Closed 298-char remark

    Show marketing remark (298 chars)

    Affordable Fishing Retreat!! This 2 bedroom, 2 bath mobile home with 3 lots, includes a carport, 2 storage buildings and a fish cleaning station. Furnishings currently at property convey with sale. The lake and boat ramp are located conveniently across the street. Call today to schedule a showing!

19. 2022-11-15
    soldstatus 298-char remark

    Show marketing remark (298 chars)

    Affordable Fishing Retreat!! This 2 bedroom, 2 bath mobile home with 3 lots, includes a carport, 2 storage buildings and a fish cleaning station. Furnishings currently at property convey with sale. The lake and boat ramp are located conveniently across the street. Call today to schedule a showing!

20. 2022-10-21
    status Pending 298-char remark

    Show marketing remark (298 chars)

    Affordable Fishing Retreat!! This 2 bedroom, 2 bath mobile home with 3 lots, includes a carport, 2 storage buildings and a fish cleaning station. Furnishings currently at property convey with sale. The lake and boat ramp are located conveniently across the street. Call today to schedule a showing!

21. 2022-10-19
    listed $54,900 298-char remark

    Show marketing remark (298 chars)

    Affordable Fishing Retreat!! This 2 bedroom, 2 bath mobile home with 3 lots, includes a carport, 2 storage buildings and a fish cleaning station. Furnishings currently at property convey with sale. The lake and boat ramp are located conveniently across the street. Call today to schedule a showing!

22. 2022-10-14
    price $54,900 298-char remark

    Show marketing remark (298 chars)

    Affordable Fishing Retreat!! This 2 bedroom, 2 bath mobile home with 3 lots, includes a carport, 2 storage buildings and a fish cleaning station. Furnishings currently at property convey with sale. The lake and boat ramp are located conveniently across the street. Call today to schedule a showing!

23. 2022-10-07
    price $64,900 298-char remark

    Show marketing remark (298 chars)

    Affordable Fishing Retreat!! This 2 bedroom, 2 bath mobile home with 3 lots, includes a carport, 2 storage buildings and a fish cleaning station. Furnishings currently at property convey with sale. The lake and boat ramp are located conveniently across the street. Call today to schedule a showing!

24. 2022-09-27
    listed $79,900 Active 298-char remark

    Show marketing remark (298 chars)

    Affordable Fishing Retreat!! This 2 bedroom, 2 bath mobile home with 3 lots, includes a carport, 2 storage buildings and a fish cleaning station. Furnishings currently at property convey with sale. The lake and boat ramp are located conveniently across the street. Call today to schedule a showing!

ⓘ 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: $718 · $60/mo
• Projected year-2 tax: $1,263 · $105/mo
• Expected delta: +$545/yr (+$45/mo · 75.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥112°F today · 23 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% 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: $17,358
• − Mortgage interest: −$3,865
• − Property taxes: −$718
• − Insurance: −$345
• − Repairs & maintenance: −$1,389
• − Management: −$1,389
• − HOA: −$216
• − Depreciation: −$2,007
• Taxable income: $7,429
• Est. tax owed @ 24.0%: −$1,783
• After-tax cash flow: $6,309/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: Pittsburg ISD
• NCES district ID: 4835010
• Math proficiency: 54% ▼ -16.00%
• Reading proficiency: 44% ▼ -16.00%
• Median HH income: $38,136
• Composite: 40.87/100
• National rank: #3627
• State rank: #216 of 826 in TX

Livability — Rocky Mound

• Score: 43/100
• State rank: #1576
• US rank: #26922

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 13,427

Population outlook (Camp County) Hauer SSP2

• Today (2025): 13,403 people
• By 2030: 13,741 · +2.5%
• By 2040: 14,436 · +7.7%
• By 2050: 15,135 · +12.9%
• By 2075: 16,836 · +25.6%
• By 2100: 17,582 · +31.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 52% Hispanic / Latino 28% Two or more races 16% Black 14% Asian 1%
• Hispanic origin (detail): Mexican 25%
• Common ancestry: Slovak 1% Scottish 1% Serbian 1%
• Foreign-born: 11% · Canada, Vietnam, Dominican Republic
• Languages at home: 79% English-only · Spanish 20% Vietnamese 1%

Political lean MEDSL · Camp

• 2024 margin: Solid R (+53.6) · D 22.9% · R 76.5%
• 2008→2024 swing: -30.3pp toward R · 2008: -23.3pp · 2024: -53.6pp
• All cycles: 2024: R+53.6 2020: R+44.1 2016: R+42.7 2012: R+33.5 2008: R+23.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -50.12%
• Current HPI: 181.5522
• 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

-13.6% since first listed

8 events — show timeline

• 2026-05-22 Listed $69,000 GTAR
• 2022-11-15 Sold (MLS) — GTAR
• 2022-11-15 Sold (MLS) — NTREIS
• 2022-10-21 Pending — NTREIS
• 2022-10-19 Listed $54,900 GTAR
• 2022-10-14 Price Changed $54,900 NTREIS
• 2022-10-07 Price Changed $64,900 NTREIS
• 2022-09-27 Listed $79,900 NTREIS

Property tax history

+5.6%/yr

Latest (2025): $718 · +0.0% YoY. Source: county tax records.