128 Hill Top Ln · Huntsville, TX 77320

$190,000

4 bd · 2.0 ba · 1,512 sqft · Manufactured public records · 16 Days on market

Built 1999 2.50 ac lot $126/sqft · 22% below area Est $243k · 22% under

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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 +15.3/30.0
• ARV discount +15.0/15.0
• DSCR +4.7/10.0
• 1% rule +4.0/10.0
• Rent growth +3.2/5.0
• Livability +3.2/5.0
• Schools +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

Key facts

• Large yard
• Open layout
• Outdoor living

Tags

• OPEN LAYOUT
• WELL-APPOINTED KITCHEN
• LARGE YARD
• OUTDOOR LIVING

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $190k.

Deal economics

• At list price, monthly cash flow is $71 ($849/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $172k (9.6% below list).
• Recommended offer: $172k (9.6% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 2.6% 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-, schools D-, crime D-.
• 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.
• Market conditions: Rents rising (+2.9%/yr); 518 active listings in the ZIP; 527 units permitted in Walker County in 2024 (0 in 5+ unit buildings).
• This rent runs 37% 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 $1k of loan paydown is wiped out by about $6k 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

• It's been on market 16 days — a 2% lower offer ($187k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 14y ago; this cycle's ask has dropped $30k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $171,829 (9.6% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
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: 0.90% ✗
• Cap rate: 6.74%
• Cash-on-cash: 1.60%
• DSCR: 1.07
• GRM: 9.2

CMA / ARV

• ARV (median comp): $243,433
• List price: $190,000
• Delta: -17.84%
• Verdict: UNDERPRICED
• Comps: 3 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 2.89% rent growth · sell at horizon

5-year hold

• IRR: -13.9%
• Equity multiple: 0.50×
• Total profit: $-26,462
• Equity at exit: $28,330

10-year hold

• IRR: -5.2%
• Equity multiple: 0.66×
• Total profit: $-17,979
• Equity at exit: $16,428

Cash invested: $53,200 (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: 518
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,718 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$211 /mo · $2,534/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$361
• Net cashflow: $71

Break-even live

Break-even rent $1,629

Max offer price $190,000

Occupancy floor 91%

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Listing history 41 events

1. 2026-06-19
   days on market $190,000 Active 16 DOM
2. 2026-06-18
   days on market $190,000 Active 15 DOM
3. 2026-06-17
   days on market $190,000 Active 14 DOM
4. 2026-06-16
   days on market $190,000 Active 13 DOM
5. 2026-06-15
   days on market $190,000 Active 12 DOM
6. 2026-06-14
   days on market $190,000 Active 10 DOM
7. 2026-06-13
   days on market $190,000 Active 9 DOM
8. 2026-06-10
   days on market $190,000 Active 7 DOM
9. 2026-06-09
   days on market $190,000 Active 6 DOM
10. 2026-06-08
    days on market $190,000 Active 5 DOM
11. 2026-06-07
    days on market $190,000 Active 4 DOM
12. 2026-06-03
    pricedays on marketlisting id $190,000 Active 1 DOM
13. 2026-06-02
    days on market $200,000 Active 216 DOM
14. 2026-06-01
    days on market $200,000 Active 215 DOM
15. 2026-05-31
    days on market $200,000 Active 214 DOM
16. 2026-05-30
    days on market $200,000 Active 213 DOM
17. 2026-05-20
    status Pending 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

18. 2026-05-12
    status Pending 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

19. 2026-04-26
    status Active 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

20. 2026-04-21
    historical 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

21. 2026-03-12
    status Active 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

22. 2026-03-09
    status Pending 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

23. 2026-02-12
    price $200,000 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

24. 2026-01-02
    status Active 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

25. 2025-11-28
    status Pending 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

26. 2025-11-24
    status Pending 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

27. 2025-10-21
    price $210,000 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

28. 2025-09-10
    listed $220,000 Active 505-char remark

    Show marketing remark (505 chars)

    Discover 128 Hill Top Lane! This charming Huntsville home combines comfort and functionality in a peaceful setting. Inside, you’ll find an open and inviting layout with spacious living areas, a well-appointed kitchen with plenty of counter and cabinet space, and bedrooms filled with natural light. The large yard is perfect for outdoor living—ideal for BBQs, pets, or simply relaxing under the Texas sky. This property is a great choice for a primary residence, weekend escape, or investment.

29. 2023-07-17
    soldstatus Sold 296-char remark

    Show marketing remark (296 chars)

    Outstanding & Special, this home is situated on 2.50 Acres, four bedrooms, 2 full baths, family room, kitchen with breakfast area, formal dining room, separate bedroom with primary bath. Oversized garage on slab with bathroom, Fenced pasture area, aerobic septic system, & water well.

30. 2023-07-14
    soldstatus
31. 2023-06-18
    status Pending 296-char remark

    Show marketing remark (296 chars)

    Outstanding & Special, this home is situated on 2.50 Acres, four bedrooms, 2 full baths, family room, kitchen with breakfast area, formal dining room, separate bedroom with primary bath. Oversized garage on slab with bathroom, Fenced pasture area, aerobic septic system, & water well.

32. 2023-06-07
    status Option Pending 296-char remark

    Show marketing remark (296 chars)

    Outstanding & Special, this home is situated on 2.50 Acres, four bedrooms, 2 full baths, family room, kitchen with breakfast area, formal dining room, separate bedroom with primary bath. Oversized garage on slab with bathroom, Fenced pasture area, aerobic septic system, & water well.

33. 2023-05-30
    listed $189,900 Active 296-char remark

    Show marketing remark (296 chars)

    Outstanding & Special, this home is situated on 2.50 Acres, four bedrooms, 2 full baths, family room, kitchen with breakfast area, formal dining room, separate bedroom with primary bath. Oversized garage on slab with bathroom, Fenced pasture area, aerobic septic system, & water well.

34. 2014-05-08
    historical
35. 2014-04-24
    status Active
36. 2013-10-08
    historical
37. 2013-09-13
    historical
38. 2013-09-13
    listed $74,500
39. 2013-09-13
    listed $74,500
40. 2013-02-01
    historical
41. 2012-03-12
    listed $74,500

ⓘ 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: $2,534 · $211/mo
• Projected year-2 tax: $3,477 · $290/mo
• Expected delta: +$943/yr (+$79/mo · 37.2%)

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥110°F today · 25 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% 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: $20,619
• − Mortgage interest: −$10,643
• − Property taxes: −$2,534
• − Insurance: −$950
• − Repairs & maintenance: −$1,650
• − Management: −$1,650
• − Depreciation: −$5,527
• Taxable loss: −$2,334
• Est. tax savings @ 24.0%: +$560
• After-tax cash flow: $1,409/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: 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

• 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

+168.5% since first listed

25 events — show timeline

• 2026-05-20 Pending — HARMLS
• 2026-05-12 Pending — HARMLS
• 2026-04-26 Relisted — HARMLS
• 2026-04-21 Listing Removed — HARMLS
• 2026-03-12 Relisted — HARMLS
• 2026-03-09 Pending — HARMLS
• 2026-02-12 Price Changed $200,000 HARMLS
• 2026-01-02 Relisted — HARMLS
• 2025-11-28 Pending — HARMLS
• 2025-11-24 Pending — HARMLS
• 2025-10-21 Price Changed $210,000 HARMLS
• 2025-09-10 Listed $220,000 HARMLS
• 2023-07-17 Sold (MLS) — HARMLS
• 2023-07-14 Sold (Public Records) — Public Records
• 2023-06-18 Pending — HARMLS
• 2023-06-07 Pending — HARMLS
• 2023-05-30 Listed $189,900 HARMLS
• 2014-05-08 Listing Removed — HARMLS
• 2014-04-24 Relisted — HARMLS
• 2013-10-08 Listing Removed — HARMLS
• 2013-09-13 Listing Removed — HARMLS
• 2013-09-13 Listed $74,500 HARMLS
• 2013-09-13 Listed $74,500 HARMLS
• 2013-02-01 Listing Removed — HARMLS
• 2012-03-12 Listed $74,500 HARMLS

Property tax history

+4.7%/yr

Latest (2025): $2,534 · +16.2% YoY. Source: county tax records.