220 Rustic Ln · Huntington, TX 75949

$135,000

3 bd · 2.0 ba · 1,280 sqft · Manufactured · 87 Days on market

Built 2008 1.01 ac lot $105/sqft · at area comps Est $137k · at est.

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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 +24.6/30.0
• Appreciation +10.0/10.0
• ARV discount +8.1/15.0
• DSCR +7.9/10.0
• 1% rule +5.1/10.0
• Schools +3.7/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Escape to your own private retreat near beautiful Sam Rayburn Reservoir! This 2008 model mobile home sits on a full wooded acre. Surrounded by mature trees and natural scenery, the property provides plenty of shade, privacy, and room to relax or explore. The home features comfortable living spaces ideal for weekend getaways or full-time living, with plenty of outdoor space for entertaining, gardening, or simply enjoying the East Texas landscape. Whether you're looking for a quiet escape, a fishing base near the lake, or an affordable place to call home, this property delivers. Located just a short drive from local shops, dining, and essentials, you’ll enjoy the best of both worlds—serene nature and everyday convenience. With Sam Rayburn Reservoir nearby, outdoor enthusiasts will love easy access to boating, fishing, and recreation year-round. Don’t miss this opportunity to own a slice of East Texas tranquility!

Key facts

• Full wooded acre
• East texas landscape
• Outdoor space

Tags

• FULL WOODED ACRE
• MATURE TREES
• NATURAL SCENERY
• OUTDOOR SPACE
• EAST TEXAS LANDSCAPE
• QUIET ESCAPE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $135k.

Deal economics

• At list price, monthly cash flow is $279 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $135k).
• Recommended offer: $127k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.8% vs local median 2.0% in Huntington — 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 64/100 on livability (#808 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing B+; Watch: schools C-, amenities F, commute F.
• Huntington ISD (rural): math 46% / reading 42% proficiency, ranked #303 of 826 in TX (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 113 active listings in the ZIP; 120 units permitted in Angelina County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $14k of equity ($933 loan paydown + $14k appreciation (10.0% local appreciation)).
• At projected returns (10.0% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 87 days — a 6% lower offer ($127k) is reasonable based on typical stale-listing flexibility.
• 2 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $126,900 (6.0% below list)

Questions for the listing agent

1. It's been on market 87 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.01% ✓
• Cap rate: 8.77%
• Cash-on-cash: 8.85%
• DSCR: 1.39
• GRM: 8.2

CMA / ARV

• ARV (median comp): $136,947
• List price: $135,000
• Delta: -1.42%
• Verdict: FAIR
• Comps: 1 within 2.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.7%
• Equity multiple: 3.41×
• Total profit: $91,227
• Equity at exit: $121,619

10-year hold

• IRR: 26.6%
• Equity multiple: 7.73×
• Total profit: $254,563
• Equity at exit: $262,275

Cash invested: $37,800 (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 75949

• Home prices YoY: 19.1%
• Active inventory: 113
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,369 medium
• Mortgage (P&I): −$708
• Tax from tax record: −$39 /mo · $464/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $279

Break-even live

Break-even rent $1,016

Max offer price $135,000

Occupancy floor 75%

Sensitivity live

Price	-10% $355	-5% $317	+0% $279	+5% $241	+10% $202
Rent	-10% $171	-5% $225	+0% $279	+5% $333	+10% $387
Rate	-1.0pp $347	-0.5pp $313	base $279	+0.5pp $244	+1.0pp $208

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-19
   days on market $135,000 Active 87 DOM
2. 2026-06-18
   days on market $135,000 Active 86 DOM
3. 2026-06-17
   days on market $135,000 Active 85 DOM
4. 2026-06-16
   days on market $135,000 Active 84 DOM
5. 2026-06-15
   days on market $135,000 Active 83 DOM
6. 2026-06-14
   days on market $135,000 Active 81 DOM
7. 2026-06-13
   days on market $135,000 Active 80 DOM
8. 2026-06-10
   days on market $135,000 Active 78 DOM
9. 2026-06-09
   days on market $135,000 Active 77 DOM
10. 2026-06-08
    days on market $135,000 Active 76 DOM
11. 2026-06-07
    days on market $135,000 Active 75 DOM
12. 2026-06-03
    days on market $135,000 Active 71 DOM
13. 2026-06-02
    days on market $135,000 Active 70 DOM
14. 2026-06-01
    days on market $135,000 Active 69 DOM
15. 2026-05-31
    days on market $135,000 Active 68 DOM
16. 2026-05-30
    days on market $135,000 Active 67 DOM
17. 2026-04-03
    status Active 943-char remark

    Show marketing remark (943 chars)

    Escape to your own private retreat near beautiful Sam Rayburn Reservoir! This 2008 model mobile home sits on a full wooded acre. Surrounded by mature trees and natural scenery, the property provides plenty of shade, privacy, and room to relax or explore. The home features comfortable living spaces ideal for weekend getaways or full-time living, with plenty of outdoor space for entertaining, gardening, or simply enjoying the East Texas landscape. Whether you're looking for a quiet escape, a fishing base near the lake, or an affordable place to call home, this property delivers. Located just a short drive from local shops, dining, and essentials, you’ll enjoy the best of both worlds—serene nature and everyday convenience. With Sam Rayburn Reservoir nearby, outdoor enthusiasts will love easy access to boating, fishing, and recreation year-round. Don’t miss this opportunity to own a slice of East Texas tranquility!

18. 2026-04-01
    status Pending 943-char remark

    Show marketing remark (943 chars)

    Escape to your own private retreat near beautiful Sam Rayburn Reservoir! This 2008 model mobile home sits on a full wooded acre. Surrounded by mature trees and natural scenery, the property provides plenty of shade, privacy, and room to relax or explore. The home features comfortable living spaces ideal for weekend getaways or full-time living, with plenty of outdoor space for entertaining, gardening, or simply enjoying the East Texas landscape. Whether you're looking for a quiet escape, a fishing base near the lake, or an affordable place to call home, this property delivers. Located just a short drive from local shops, dining, and essentials, you’ll enjoy the best of both worlds—serene nature and everyday convenience. With Sam Rayburn Reservoir nearby, outdoor enthusiasts will love easy access to boating, fishing, and recreation year-round. Don’t miss this opportunity to own a slice of East Texas tranquility!

19. 2026-04-01
    historical Active Under Contract 943-char remark

    Show marketing remark (943 chars)

    Escape to your own private retreat near beautiful Sam Rayburn Reservoir! This 2008 model mobile home sits on a full wooded acre. Surrounded by mature trees and natural scenery, the property provides plenty of shade, privacy, and room to relax or explore. The home features comfortable living spaces ideal for weekend getaways or full-time living, with plenty of outdoor space for entertaining, gardening, or simply enjoying the East Texas landscape. Whether you're looking for a quiet escape, a fishing base near the lake, or an affordable place to call home, this property delivers. Located just a short drive from local shops, dining, and essentials, you’ll enjoy the best of both worlds—serene nature and everyday convenience. With Sam Rayburn Reservoir nearby, outdoor enthusiasts will love easy access to boating, fishing, and recreation year-round. Don’t miss this opportunity to own a slice of East Texas tranquility!

20. 2026-03-24
    listed $135,000 Active 943-char remark

    Show marketing remark (943 chars)

    Escape to your own private retreat near beautiful Sam Rayburn Reservoir! This 2008 model mobile home sits on a full wooded acre. Surrounded by mature trees and natural scenery, the property provides plenty of shade, privacy, and room to relax or explore. The home features comfortable living spaces ideal for weekend getaways or full-time living, with plenty of outdoor space for entertaining, gardening, or simply enjoying the East Texas landscape. Whether you're looking for a quiet escape, a fishing base near the lake, or an affordable place to call home, this property delivers. Located just a short drive from local shops, dining, and essentials, you’ll enjoy the best of both worlds—serene nature and everyday convenience. With Sam Rayburn Reservoir nearby, outdoor enthusiasts will love easy access to boating, fishing, and recreation year-round. Don’t miss this opportunity to own a slice of East Texas tranquility!

21. 2009-05-11
    soldstatus

ⓘ 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: $464 · $39/mo
• Projected year-2 tax: $2,470 · $206/mo
• Expected delta: +$2,006/yr (+$167/mo · 432.0%)

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥112°F today · 24 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: $16,432
• − Mortgage interest: −$7,562
• − Property taxes: −$464
• − Insurance: −$675
• − Repairs & maintenance: −$1,315
• − Management: −$1,315
• − Depreciation: −$3,927
• Taxable income: $1,174
• Est. tax owed @ 24.0%: −$282
• After-tax cash flow: $3,065/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: Huntington ISD
• NCES district ID: 4824000
• Math proficiency: 46% ▼ -10.00%
• Reading proficiency: 42% ▼ -1.00%
• Median HH income: $39,651
• Composite: 36.85/100
• National rank: #4554
• State rank: #303 of 826 in TX

Livability — Huntington

• Score: 64/100
• State rank: #808
• US rank: #14708

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 9,041

Population outlook (Angelina County) Hauer SSP2

• Today (2025): 90,174 people
• By 2030: 90,697 · +0.6%
• By 2040: 91,291 · +1.2%
• By 2050: 91,168 · +1.1%
• By 2075: 88,961 · -1.3%
• By 2100: 80,590 · -10.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 7% Hispanic / Latino 5%
• Common ancestry: Lithuanian 3% Italian 2% Iranian 2%
• Foreign-born: 0% · Canada
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Angelina

• 2024 margin: Solid R (+52.0) · D 23.7% · R 75.7%
• 2008→2024 swing: -17.0pp toward R · 2008: -35.0pp · 2024: -52.0pp
• All cycles: 2024: R+52.0 2020: R+46.1 2016: R+47.3 2012: R+43.9 2008: R+35.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 48.97%
• Current HPI: 304.757
• 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

5 events — show timeline

• 2026-04-03 Relisted — HARMLS
• 2026-04-01 Pending — HARMLS
• 2026-04-01 Contingent — HARMLS
• 2026-03-24 Listed $135,000 HARMLS
• 2009-05-11 Sold (Public Records) — Public Records

Property tax history

+13.6%/yr

Latest (2025): $464 · +0.0% YoY. Source: county tax records.