401 Monarch Trl · Huntsville, TX 77320

$206,990

3 bd · 2.0 ba · 1,484 sqft · SingleFamily · 4 Days on market

Built 2026 Good condition $33/mo HOA · 2% of rent

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Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Cash flow +6.3/30.0
• Condition / age +4.0/5.0
• Rent growth +3.2/5.0
• Livability +3.2/5.0
• Schools +2.6/10.0
• 1% rule +1.7/10.0
• DSCR +0.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms at the front of the home, which are comfortable spaces for household members and overnight guests.

Key facts

• Walk-in closet
• Open floorplan
• Secondary bedrooms

Tags

• OPEN FLOORPLAN
• OWNER'S SUITE
• EN-SUITE BATHROOM
• WALK-IN CLOSET
• SECONDARY BEDROOMS

Property features AI

Finance

• HOA & community: Community association managed by CH&P Management; Annual association fee of $400

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer
• Home design: Residential property; Under construction (new construction); Slab foundation
• Construction: Built in 2026; Brick and cement siding exterior; Composition roof
• Exterior features: Subdivision lot setting

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Gas oven; Gas range
• Bedrooms: Primary bedroom on the first floor (13 x 14); Bedroom on the first floor (11 x 10); Bedroom on the first floor (10 x 11)
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric and gas); Central air conditioning (electric and gas)
• Interior features: Kitchen and family room combined; Kitchen and dining area combined; Separate shower; Tub with shower
• Laundry & utility: Washer hookup; Electric dryer hookup; Gas dryer hookup

🏗️ New construction. The $206,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $246,830.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $207k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-439 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $183k (11.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $165k (20.5% below list).
• Recommended offer: $165k (20.5% below list) — sets the bar for 1% rule.
• Cap rate 4.2% vs local median 2.8% in Huntsville — 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 63/100 on livability (#825 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+; Watch: amenities C-, crime D-, commute F.
• Huntsville ISD (town): math 25% / reading 37% proficiency, ranked #621 of 826 in TX (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Samuel Houston El (math 17% / reading 17%, grade F, #3,836 of 4,322 statewide, top 91%, 437 students, 79% FRL); Mance Park Middle (math 26% / reading 25%, grade F, #1,236 of 1,662 statewide, top 76%, 904 students, 74% FRL); Huntsville H S (math 13% / reading 25%, grade F, #1,431 of 1,632 statewide, top 88%, 1,797 students, 68% FRL) — zoned schools average 74% FRL vs 42% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.9%/yr); 520 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 527 units permitted in Walker County in 2024 (0 in 5+ unit buildings).
• This rent runs 35% of the median local income ($56k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Walker County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 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.

Recommended offer $164,526 (20.5% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 D 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. 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?
7. 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.
8. 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.
9. 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: 0.67% ✗
• Cap rate: 4.16%
• Cash-on-cash: -7.62%
• DSCR: 0.66
• GRM: 12.5

CMA / ARV

• ARV (median comp): $246,830
• List price: $206,990
• Delta: -19.50%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
412 Monarch Trl	0.06mi	3/2.0	1,602 (+8%)	1mo	$237,630	$148	83
415 Monarch Trl	0.07mi	3/2.0	1,388 (-6%)	6mo	$249,250	$180	81
430 Monarch Trl	0.13mi	3/2.0	1,398 (-6%)	9mo	$289,900	$207	76
508 Monarch Trl	0.16mi	3/2.0	1,602 (+8%)	3mo	$209,000	$130	76
421 Monarch Trl	0.18mi	3/2.0	1,602 (+8%)	6mo	$230,000	$144	74
218 Lantana Ln	0.10mi	4/2.0 (+1)	1,676 (+13%)	1mo	$261,990	$156	68

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 · 2.89% rent growth · sell at horizon

5-year hold

• IRR: -29.7%
• Equity multiple: 0.01×
• Total profit: $-68,096
• Equity at exit: $36,803

10-year hold

• IRR: -31.1%
• Equity multiple: -0.39×
• Total profit: $-95,864
• Equity at exit: $21,341

Cash invested: $69,112 (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 77320

• Home prices YoY: -33.0%
• Rents YoY: 2.9%
• Active inventory: 520
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $1,645 high
• Mortgage (P&I): −$1,294
• Tax est. 1.5%: −$309 /mo · $3,702/yr
• Insurance: −$103
• HOA: −$33
• Vacancy / Maint / Mgmt: −$346
• Net cashflow: $-439

Break-even live

Break-even rent $2,201

Max offer price $183,301

Occupancy floor —

Sensitivity live

Price	-10% $-268	-5% $-354	+0% $-439	+5% $-524	+10% $-610
Rent	-10% $-569	-5% $-504	+0% $-439	+5% $-374	+10% $-309
Rate	-1.0pp $-315	-0.5pp $-376	base $-439	+0.5pp $-503	+1.0pp $-568

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: $61,708
• Closing costs: $7,405
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3272 State Highway 30 Huntsville, TX	1.0–3.0	1.0–2.0	1070	$2,085	$1.95	45d	20	0.27mi
107 Crosstimbers St Huntsville, TX	3.0	2.0	1093	$1,249	$1.14	45d	1	0.70mi
149 Col Etheredge Blvd Huntsville, TX	1.0–3.0	1.0–3.0	993	$1,710	$1.72	45d	9	0.81mi
706 Hickory Dr Huntsville, TX	2.0	2.0	992	$919	$0.93	45d	1	0.91mi
626 Hickory Dr Huntsville, TX	2.0	2.0	884	$1,085	$1.23	45d	1	0.93mi
172 Ravenwood Village Dr Huntsville, TX	1.0–2.0	1.0–2.0	833	$1,530	$1.84	45d	10	1.03mi
1905 Normal Park Dr Huntsville, TX	1.0–2.0	1.5	974	$950	$0.98	45d	1	1.31mi

HOA detail

• Monthly dues: $33 · $396/yr

Listing history 10 events

1. 2026-06-21
   days on market $206,990 Active 4 DOM
2. 2026-06-19
   days on market $206,990 Active 2 DOM
3. 2026-06-17
   remarks 618-char remark
4. 2026-06-17
   pricedays on marketlisting id $206,990 Active 1 DOM
5. 2026-06-02
   days on market $198,690 Active 50 DOM
6. 2026-06-01
   days on market $198,690 Active 49 DOM
7. 2026-05-31
   days on market $198,690 Active 48 DOM
8. 2026-05-30
   days on market $198,690 Active 47 DOM
9. 2026-05-07
   listed $198,690 Active 399-char remark

   Show marketing remark (399 chars)

   This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms at the front of the home, which are comfortable spaces for household members and overnight guests.

10. 2026-04-13
    listed $198,690 Active

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

Taxation est. · year 1

• Rental income: $19,743
• − Mortgage interest: −$13,826
• − Property taxes: −$3,702
• − Insurance: −$1,234
• − Repairs & maintenance: −$1,579
• − Management: −$1,579
• − HOA: −$396
• − Depreciation: −$7,181
• Taxable loss: −$9,755
• Est. tax savings @ 24.0%: +$2,341
• After-tax cash flow: $-2,927/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 None rehab

This single-family home is in excellent condition with a spacious open floorplan and new finishes throughout. It is move-in ready and would be an excellent investment for both resale and rental.

Value-add opportunities

• Both Painting and minor touch-ups — Enhances curb appeal and interior aesthetics.
• Both Landscaping and curb appeal — Improves curb appeal and enhances property value.
• Both New window treatments — Enhances curb appeal and interior aesthetics.
• Both New flooring in bathrooms — Enhances interior aesthetics and functionality.
• Both New lighting fixtures — Enhances interior aesthetics and functionality.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting and minor touch-ups — Enhances curb appeal and interior aesthetics. ↑
• Both Landscaping and curb appeal — Improves curb appeal and enhances property value. ↑
• Both New window treatments — Enhances curb appeal and interior aesthetics. ↑
• Both New flooring in bathrooms — Enhances interior aesthetics and functionality. ↑
• Both New lighting fixtures — Enhances interior aesthetics and functionality. ↑

ⓘ 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: Huntsville ISD
• NCES district ID: 4824030
• Math proficiency: 25% ▼ -6.00%
• Reading proficiency: 37% ▼ -2.00%
• Median HH income: $36,597
• Composite: 25.71/100
• National rank: #7383
• State rank: #621 of 826 in TX

Livability — Huntsville

• Score: 63/100
• State rank: #825
• US rank: #14909

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, TX
• County: Walker County · 75,669 people
• City population: 75,669
• Metro: Huntsville, TX
• Population (ZIP): 38,152
• Household income: $55,663
• Rent vs Own: 34.1% rent · 65.9% own
• Severe rent burden: 1030.0

Population outlook (Walker County) Hauer SSP2

• Today (2025): 77,602 people
• By 2030: 82,007 · +5.7%
• By 2040: 90,436 · +16.5%
• By 2050: 100,240 · +29.2%
• By 2075: 123,667 · +59.4%
• By 2100: 135,073 · +74.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 50% Hispanic / Latino 26% Black 21% Two or more races 15%
• Hispanic origin (detail): Mexican 20%
• Common ancestry: Lithuanian 2% Italian 2% Slovak 2%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 79% English-only · Spanish 19%

Political lean MEDSL · Walker

• 2024 margin: Solid R (+40.0) · D 29.6% · R 69.6%
• 2008→2024 swing: -17.6pp toward R · 2008: -22.4pp · 2024: -40.0pp
• All cycles: 2024: R+40.0 2020: R+31.7 2016: R+34.5 2012: R+28.4 2008: R+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -93.48%
• Current HPI: 190.199
• Rent YoY: ▲ 2.89%
• Metro: Huntsville, 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

+4.2% since first listed

7 events — show timeline

• 2026-06-18 Relisted — Zillow
• 2026-06-18 Price Changed $206,990 Zillow
• 2026-06-17 Listed $206,990 HARMLS
• 2026-06-02 Listing Removed — HARMLS
• 2026-05-25 Delisted — Zillow
• 2026-05-07 Listed $198,690 Zillow
• 2026-04-13 Listed $198,690 HARMLS