401 Pinto St · Scott, LA 70506

$210,000

3 bd · 2.0 ba · 1,594 sqft · SingleFamily public records · 28 Days on market

Built 1982 4,791 sqft lot Est $271k · 23% under $20/mo HOA · 1% of rent

---

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 +21.9/30.0
• ARV discount +15.0/15.0
• DSCR +7.0/10.0
• 1% rule +4.9/10.0
• Schools +3.6/10.0
• Rent growth +3.5/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This adorable 3 bedroom 2 bath home has everything you need. Plenty of space for all. Wood burning fireplace and vaulted ceilings makes the living room spacious and cozy. Crisp cool paint colors throughout, updated bathrooms with granite, and granite in kitchen too! Large laundry room with additional storage closet. Spacious bedrooms with plenty of closet space and a cedar closet in the hall. New vinyl siding installation in 9/2024. Roof approximately 6 years old. AC inside and outside, water heater, French drains, back patio cover and gutters were installed new in 2019. Neighborhood pool to enjoy for summer. DID NOT FLOOD IN 2016! This home is a must see! Schedule your showing today!

Key facts

• Extra storage
• Covered carport
• Custom built-ins

Tags

• DEDICATED OFFICE
• CUSTOM BUILT-INS
• WOOD-BURNING BRICK FIREPLACE
• FENCED BACKYARD
• COVERED CARPORT
• EXTRA STORAGE

Property features AI

Finance

• HOA & community: Homeowners association with a $20 monthly fee; Community pool

Exterior

• Parking: Carport (covered), 2 spaces
• Utilities: Public sewer; Electric service: SLEMCO
• Home design: Single-family residence; City street / paved road frontage
• Construction: Vinyl siding, brick, and frame construction; Composition roof
• Exterior features: Outdoor lighting; Covered porch; Storage structure

Interior

• Kitchen: Dishwasher; Disposal; Electric cooktop / Electric stove; Microwave; Refrigerator; Ice maker
• Bedrooms: Bedroom 1; Bedroom 2; Bedroom 3
• Flooring: Vinyl plank
• Bathrooms: 2 full bathrooms
• Fireplace: One wood-burning fireplace
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: High ceilings; Built-in features; Crown molding; Varied ceiling heights; Walk-in pantry; Walk-in closet(s); Granite counters; Double-pane windows
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $329 ($4k/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 $209k (0.5% below list).
• Recommended offer: $207k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 4.7% in Scott — 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 66/100 on livability (#116 in LA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: crime F, amenities F, commute F.
• Lafayette Parish (urban): math 38% / reading 46% proficiency, ranked #19 of 98 in LA (top 19%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Westside Elementary School (math 32% / reading 34%, grade F, #297 of 646 statewide, top 46%, 635 students, 72% FRL); Scott Middle School (math 20% / reading 28%, grade F, #143 of 218 statewide, top 65%, 559 students, 65% FRL); Acadiana High School (math 31% / reading 29%, grade F, #125 of 265 statewide, top 47%, 1,813 students, 56% FRL).
• Zoned-school proficiency averages 29% at this address vs 42% district-wide (-13 pts) — the specific schools serving this property underperform the Lafayette Parish average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+4.1%/yr); 404 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,585 units permitted in Lafayette Parish in 2024 (10 in 5+ unit buildings).
• This rent runs 44% of the median local income ($57k/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.
• Lafayette County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($207k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 35y 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, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $206,850 (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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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. 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.
6. 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.
7. 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: 0.99% ✗
• Cap rate: 8.17%
• Cash-on-cash: 6.71%
• DSCR: 1.30
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $270,980
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
102 Mustang St	0.18mi	4/2.0 (+1)	1,500 (-6%)	2mo	$192,500	$128	75
117 Larry St	0.10mi	3/2.0	1,800 (+13%)	0mo	$175,000	$97	73
109 Kohen Luke Dr	0.24mi	3/2.0	1,768 (+11%)	6mo	$190,500	$108	65
104 Breckenridge Loop	0.65mi	3/2.0	1,544 (-3%)	3mo	$212,500	$138	62
202 Long Creek Ln	0.67mi	3/2.0	1,615 (+1%)	7mo	$275,000	$170	61
203 Long Creek Ln	0.67mi	3/2.0	1,639 (+3%)	8mo	$286,400	$175	57
126 Crooked Pine Ln	0.67mi	3/2.0	1,519 (-5%)	6mo	$303,000	$199	56
204 Long Creek Ln	0.67mi	3/2.0	1,519 (-5%)	7mo	$269,999	$178	55
206 Long Creek Ln	0.67mi	3/2.0	1,684 (+6%)	7mo	$285,500	$170	53
205 Long Creek Ln	0.67mi	3/2.0	1,719 (+8%)	7mo	$288,700	$168	50
149 Fremont Dr	0.60mi	3/2.0	1,420 (-11%)	6mo	$176,000	$124	49
201 Long Creek Ln	0.70mi	3/2.0	1,385 (-13%)	8mo	$249,999	$181	39

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 · 4.12% rent growth · sell at horizon

5-year hold

• IRR: -4.8%
• Equity multiple: 0.82×
• Total profit: $-10,746
• Equity at exit: $31,312

10-year hold

• IRR: 6.0%
• Equity multiple: 1.47×
• Total profit: $27,415
• Equity at exit: $18,157

Cash invested: $58,800 (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 70506

• Home prices YoY: -34.8%
• Rents YoY: 4.1%
• Active inventory: 404
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $2,089 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$112 /mo · $1,347/yr
• Insurance: −$88
• HOA: −$20
• Vacancy / Maint / Mgmt: −$439
• Net cashflow: $329

Break-even live

Break-even rent $1,672

Max offer price $210,000

Occupancy floor 79%

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
401 Pinto St Lafayette, LA	3.0	2.0	1601	$2,300	$1.44	43d	1	0.04mi
1313 Apollo Rd Scott, LA	1.0–3.0	1.0–2.0	1100	$2,000	$1.82	13d	10	1.34mi
108 Appleoak Ave Unit B Lafayette, LA	2.0	2.5	1348	$1,495	$1.11	43d	1	1.34mi

HOA detail

• Monthly dues: $20 · $240/yr
• Likely covers: waterpool

Listing history 35 events

1. 2026-06-15
   days on market $210,000 Active 28 DOM
2. 2026-06-14
   days on market $210,000 Active 26 DOM
3. 2026-06-13
   days on market $210,000 Active 25 DOM
4. 2026-06-10
   days on market $210,000 Active 23 DOM
5. 2026-06-09
   days on market $210,000 Active 22 DOM
6. 2026-06-08
   days on market $210,000 Active 21 DOM
7. 2026-06-07
   days on market $210,000 Active 20 DOM
8. 2026-06-05
   days on market $210,000 Active 17 DOM
9. 2026-06-03
   days on market $210,000 Active 16 DOM
10. 2026-06-03
    price $210,000 Active 15 DOM
11. 2026-06-02
    days on market $220,000 Active 15 DOM
12. 2026-06-01
    days on market $220,000 Active 14 DOM
13. 2026-05-31
    days on market $220,000 Active 13 DOM
14. 2026-05-30
    days on market $220,000 Active 12 DOM
15. 2026-05-19
    historical $2,300
16. 2026-05-18
    listed $220,000 Active
17. 2026-04-30
    price $2,300
18. 2026-04-25
    listed $2,800
19. 2024-12-11
    soldstatus $200,000
20. 2024-12-09
    soldstatus $200,000 Sold 693-char remark

    Show marketing remark (693 chars)

    This adorable 3 bedroom 2 bath home has everything you need. Plenty of space for all. Wood burning fireplace and vaulted ceilings makes the living room spacious and cozy. Crisp cool paint colors throughout, updated bathrooms with granite, and granite in kitchen too! Large laundry room with additional storage closet. Spacious bedrooms with plenty of closet space and a cedar closet in the hall. New vinyl siding installation in 9/2024. Roof approximately 6 years old. AC inside and outside, water heater, French drains, back patio cover and gutters were installed new in 2019. Neighborhood pool to enjoy for summer. DID NOT FLOOD IN 2016! This home is a must see! Schedule your showing today!

21. 2024-11-11
    status Pending 693-char remark

    Show marketing remark (693 chars)

    This adorable 3 bedroom 2 bath home has everything you need. Plenty of space for all. Wood burning fireplace and vaulted ceilings makes the living room spacious and cozy. Crisp cool paint colors throughout, updated bathrooms with granite, and granite in kitchen too! Large laundry room with additional storage closet. Spacious bedrooms with plenty of closet space and a cedar closet in the hall. New vinyl siding installation in 9/2024. Roof approximately 6 years old. AC inside and outside, water heater, French drains, back patio cover and gutters were installed new in 2019. Neighborhood pool to enjoy for summer. DID NOT FLOOD IN 2016! This home is a must see! Schedule your showing today!

22. 2024-10-07
    listed $200,000 Active 693-char remark

    Show marketing remark (693 chars)

    This adorable 3 bedroom 2 bath home has everything you need. Plenty of space for all. Wood burning fireplace and vaulted ceilings makes the living room spacious and cozy. Crisp cool paint colors throughout, updated bathrooms with granite, and granite in kitchen too! Large laundry room with additional storage closet. Spacious bedrooms with plenty of closet space and a cedar closet in the hall. New vinyl siding installation in 9/2024. Roof approximately 6 years old. AC inside and outside, water heater, French drains, back patio cover and gutters were installed new in 2019. Neighborhood pool to enjoy for summer. DID NOT FLOOD IN 2016! This home is a must see! Schedule your showing today!

23. 2018-11-07
    soldstatus $148,000
24. 2018-11-05
    soldstatus $148,000 481-char remark

    Show marketing remark (481 chars)

    This adorable 3 bedroom 2 bath home has everything you need. Plenty of space for the family. Wood burning fireplace and vaulted ceilings makes the living room spacious and cozy. Freshly painted inside and out with new granite in kitchen and baths. Large laundry room. Spacious bedrooms with plenty of closet space and a ceder closet in the hall. Brand new roof! Neighborhood pool to enjoy for the summer. DID NOT FLOOD IN 2016! This home is a must see! Schedule your showing today!

25. 2018-06-07
    listed $152,900 481-char remark

    Show marketing remark (481 chars)

    This adorable 3 bedroom 2 bath home has everything you need. Plenty of space for the family. Wood burning fireplace and vaulted ceilings makes the living room spacious and cozy. Freshly painted inside and out with new granite in kitchen and baths. Large laundry room. Spacious bedrooms with plenty of closet space and a ceder closet in the hall. Brand new roof! Neighborhood pool to enjoy for the summer. DID NOT FLOOD IN 2016! This home is a must see! Schedule your showing today!

26. 2018-04-26
    soldstatus $79,000
27. 2017-08-26
    listed $109,900
28. 2003-08-29
    soldstatus $98,000
29. 2003-07-22
    listed $102,000
30. 1998-11-12
    soldstatus $82,000
31. 1998-08-31
    listed $89,900
32. 1992-05-29
    soldstatus $53,500
33. 1992-01-30
    listed $55,000
34. 1991-10-22
    soldstatus $44,389
35. 1991-08-09
    listed $55,000

ⓘ 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: $1,347 · $112/mo
• Projected year-2 tax: $1,347 · $112/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 9/10 Extreme 7 d/yr ≥109°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% 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: $25,063
• − Mortgage interest: −$11,763
• − Property taxes: −$1,347
• − Insurance: −$1,050
• − Repairs & maintenance: −$2,005
• − Management: −$2,005
• − HOA: −$240
• − Depreciation: −$6,109
• Taxable income: $544
• Est. tax owed @ 24.0%: −$130
• After-tax cash flow: $3,817/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: Lafayette Parish
• NCES district ID: 2200870
• Math proficiency: 38% ▼ -32.00%
• Reading proficiency: 46% ▼ -24.00%
• Median HH income: $50,238
• Composite: 36.15/100
• National rank: #4741
• State rank: #19 of 98 in LA

Livability — Scott

• Score: 66/100
• State rank: #116
• US rank: #11265

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Scott, LA
• County: Lafayette Parish · 207,544 people
• City population: 8,670
• Metro: Lafayette, LA
• Population (ZIP): 42,318
• Household income: $57,379
• Rent vs Own: 50.4% rent · 49.6% own
• Severe rent burden: 2095.0

Population outlook (Lafayette County) Hauer SSP2

• Today (2025): 280,930 people
• By 2030: 301,092 · +7.2%
• By 2040: 339,456 · +20.8%
• By 2050: 375,156 · +33.5%
• By 2075: 451,672 · +60.8%
• By 2100: 497,203 · +77.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 60% Black 20% Hispanic / Latino 13% Two or more races 13% Asian 3%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Lithuanian 18% Armenian 1% Slovak 1%
• Foreign-born: 12% · Canada, Vietnam
• Languages at home: 83% English-only · Spanish 9% French/Haitian/Cajun 3% Vietnamese 1%

Political lean MEDSL · Lafayette

• 2024 margin: Solid R (+31.4) · D 33.5% · R 64.8% · Other 1.7%
• 2008→2024 swing: -0.1pp no change · 2008: -31.3pp · 2024: -31.4pp
• All cycles: 2024: R+31.4 2020: R+28.7 2016: R+33.6 2012: R+33.7 2008: R+31.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -75.28%
• Current HPI: 140.8445
• Rent YoY: ▲ 4.12%
• Metro: Lafayette, 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

-95.8% since first listed

21 events — show timeline

• 2026-05-19 Rental Removed $2,300 RAAMLS
• 2026-05-18 Listed $220,000 AcadianaMLS
• 2026-04-30 Price Changed $2,300 RAAMLS
• 2026-04-25 Listed for Rent $2,800 RAAMLS
• 2024-12-11 Sold (Public Records) $200,000 Public Records
• 2024-12-09 Sold (MLS) $200,000 AcadianaMLS
• 2024-11-11 Pending — AcadianaMLS
• 2024-10-07 Listed $200,000 AcadianaMLS
• 2018-11-07 Sold (Public Records) $148,000 Public Records
• 2018-11-05 Sold (MLS) $148,000 AcadianaMLS
• 2018-06-07 Listed $152,900 AcadianaMLS
• 2018-04-26 Sold (Public Records) $79,000 Public Records
• 2017-08-26 Listed $109,900 AcadianaMLS
• 2003-08-29 Sold (MLS) $98,000 AcadianaMLS
• 2003-07-22 Listed $102,000 AcadianaMLS
• 1998-11-12 Sold (MLS) $82,000 AcadianaMLS
• 1998-08-31 Listed $89,900 AcadianaMLS
• 1992-05-29 Sold (MLS) $53,500 AcadianaMLS
• 1992-01-30 Listed $55,000 AcadianaMLS
• 1991-10-22 Sold (MLS) $44,389 AcadianaMLS
• 1991-08-09 Listed $55,000 AcadianaMLS

Property tax history

+7.4%/yr

Latest (2025): $1,347 · +2.1% YoY. Source: county tax records.