135 Pine St · Chireno, TX 75937

$138,500

3 bd · 1.0 ba · 1,334 sqft · SingleFamily public records · 17 Days on market

1.06 ac lot

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Why this score? — see what drove the D 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 +12.1/30.0
• ARV discount +7.5/15.0
• Appreciation +5.9/10.0
• DSCR +3.6/10.0
• Schools +3.1/10.0
• 1% rule +2.9/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Very Well taken care of brick home in the quaint community of Chireno that is move in ready. This is a one owner home that is very well built with a nice layout of large bedrooms, open concept kitchen, dining and living room. Other features include wood floors, spacious bathroom. All of this sitting on a 3 lots that is 1.07 acres with all types of fruit trees (plum, fig, orange, peach). 12 X 16 storage building with a leanto.

Key facts

• Extra outdoor space
• Updated electrical
• 3 lots

Tags

• 3 LOTS
• 1.068 ACRES
• UPDATED ELECTRICAL
• UPDATED WIRING
• WHOLE HOUSE GENERATOR
• EXTRA OUTDOOR SPACE

Property features AI

Exterior

• Parking: Attached garage
• Utilities: Public water
• Home design: Single-family residence; Residential property; Not in a subdivision
• Construction: Brick and wood siding exterior; Composition roof; Slab foundation; Built on a 1.06-acre lot
• Exterior features: Fenced yard; Shed(s)

Interior

• Kitchen: Refrigerator; Freezer; Microwave
• Flooring: Tile; Wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Walk-in closet(s); Smoke detector(s)
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $138k.

Deal economics

• At list price, monthly cash flow is $-31 ($-374/yr) — negative.
• To cash-flow at today's rent, offer at most $133k (4.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $110k (20.7% below list).
• Recommended offer: $110k (20.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 58/100 on livability (#1,228 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Chireno ISD (rural): math 33% / reading 40% proficiency, ranked #490 of 826 in TX (top 59%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Chireno El (math 32% / reading 37%, grade F, #1,995 of 4,322 statewide, top 50%, 274 students, 74% FRL); Chireno H S (math 50% / reading 70%, grade C+, #275 of 1,632 statewide, top 19%, 130 students, 50% FRL).
• Market conditions: 6 active listings in the ZIP; 35 units permitted in Nacogdoches County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($958 loan paydown + $3k appreciation (1.9% local appreciation)).
• At projected returns (1.9% appreciation + 3.0% rent growth), your $39k cash investment doubles in ~9 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 8y 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: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 6→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,886 (20.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.79% ✗
• Cap rate: 6.02%
• Cash-on-cash: -0.96%
• DSCR: 0.96
• GRM: 10.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

1.85% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 3.1%
• Equity multiple: 1.17×
• Total profit: $6,430
• Equity at exit: $53,497

10-year hold

• IRR: 7.0%
• Equity multiple: 1.94×
• Total profit: $36,432
• Equity at exit: $76,177

Cash invested: $38,780 (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 75937

• Home prices YoY: 1.9%
• Active inventory: 6
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $1,099 medium
• Mortgage (P&I): −$726
• Tax from tax record: −$115 /mo · $1,383/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $-31

Break-even live

Break-even rent $1,138

Max offer price $132,998

Occupancy floor 98%

Sensitivity live

Price	-10% $47	-5% $8	+0% $-31	+5% $-70	+10% $-110
Rent	-10% $-118	-5% $-75	+0% $-31	+5% $12	+10% $56
Rate	-1.0pp $39	-0.5pp $4	base $-31	+0.5pp $-67	+1.0pp $-104

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: $34,625
• Closing costs: $4,155
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-05-30
   statusdays on market $138,500 Pending 17 DOM
2. 2026-05-13
   listed $138,500 Active 529-char remark
3. 2018-12-17
   soldstatus
4. 2018-12-17
   soldstatus
5. 2018-12-13
   soldstatus 430-char remark

   Show marketing remark (430 chars)

   Very Well taken care of brick home in the quaint community of Chireno that is move in ready. This is a one owner home that is very well built with a nice layout of large bedrooms, open concept kitchen, dining and living room. Other features include wood floors, spacious bathroom. All of this sitting on a 3 lots that is 1.07 acres with all types of fruit trees (plum, fig, orange, peach). 12 X 16 storage building with a leanto.

6. 2018-06-26
   listed $89,900 430-char remark

   Show marketing remark (430 chars)

   Very Well taken care of brick home in the quaint community of Chireno that is move in ready. This is a one owner home that is very well built with a nice layout of large bedrooms, open concept kitchen, dining and living room. Other features include wood floors, spacious bathroom. All of this sitting on a 3 lots that is 1.07 acres with all types of fruit trees (plum, fig, orange, peach). 12 X 16 storage building with a leanto.

ⓘ 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: $1,383 · $115/mo
• Projected year-2 tax: $2,535 · $211/mo
• Expected delta: +$1,152/yr (+$96/mo · 83.3%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 7/10 Severe 6 d/yr ≥111°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $13,186
• − Mortgage interest: −$7,758
• − Property taxes: −$1,383
• − Insurance: −$692
• − Repairs & maintenance: −$1,055
• − Management: −$1,055
• − Depreciation: −$4,029
• Taxable loss: −$2,786
• Est. tax savings @ 24.0%: +$669
• After-tax cash flow: $295/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: Chireno ISD
• NCES district ID: 4813980
• Math proficiency: 33% ▼ -18.00%
• Reading proficiency: 40% ▼ -4.00%
• Median HH income: $44,632
• Composite: 31.05/100
• National rank: #6080
• State rank: #490 of 826 in TX

Livability — Chireno

• Score: 58/100
• State rank: #1228
• US rank: #21432

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: Chireno, TX
• Population (ZIP): 1,179

Population outlook (Nacogdoches County) Hauer SSP2

• Today (2025): 66,553 people
• By 2030: 66,920 · +0.6%
• By 2040: 66,833 · +0.4%
• By 2050: 66,462 · -0.1%
• By 2075: 65,710 · -1.3%
• By 2100: 62,321 · -6.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Hispanic / Latino 14% Black 14% Two or more races 3%
• Hispanic origin (detail): Mexican 14%
• Common ancestry: Italian 2% Serbian 2% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 88% English-only · Spanish 12%

Political lean MEDSL · Nacogdoches

• 2024 margin: Solid R (+38.8) · D 30.2% · R 69.0%
• 2008→2024 swing: -11.3pp toward R · 2008: -27.5pp · 2024: -38.8pp
• All cycles: 2024: R+38.8 2020: R+31.3 2016: R+35.4 2012: R+36.2 2008: R+27.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.85%
• Current HPI: 99.7166
• 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

+54.1% since first listed

6 events — show timeline

• 2026-05-30 Pending — Deep East Texas MLS
• 2026-05-13 Listed $138,500 Deep East Texas MLS
• 2018-12-17 Sold (Public Records) — Public Records
• 2018-12-17 Sold (Public Records) — Public Records
• 2018-12-13 Sold (MLS) — Deep East Texas MLS
• 2018-06-26 Listed $89,900 Deep East Texas MLS

Property tax history

+1.5%/yr

Latest (2025): $1,383 · +4.9% YoY. Source: county tax records.