Lucia Plan · Angleton, TX 77515

$290,990

4 bd · 3.5 ba · 2,233 sqft · SingleFamily · 51 Days on market

Good condition Garage

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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 +9.1/30.0
• ARV discount +7.5/15.0
• Condition / age +4.0/5.0
• Schools +3.7/10.0
• Livability +3.7/5.0
• 1% rule +2.8/10.0
• DSCR +2.5/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This new two-story home offers plenty of space to live and grow. An open-concept floorplan on the first level combines the kitchen, living and dining areas to maximize interior space, with a nearby covered patio for outdoor fun and leisure. The luxurious owner's suite is nestled into a private rear corner, complete with a spa-inspired bathroom and generous walk-in closet. A versatile loft shares the second floor with three additional bedrooms.

Key facts

• Walk-in closet
• Covered patio
• Versatile loft

Tags

• OPEN-CONCEPT FLOORPLAN
• COVERED PATIO
• SPA-INSPIRED BATHROOM
• WALK-IN CLOSET
• VERSATILE LOFT

🏗️ New construction. The $290,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $301,100.

What this means for you Summary

Snapshot

• This is a 4-bed/3.5-bath single-family listed at $291k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-298 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $258k (11.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $234k (19.6% below list).
• Recommended offer: $234k (19.6% below list) — sets the bar for 1% rule.
• Cap rate 5.4% vs local median 4.4% in Angleton — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 74/100 on livability (#171 in TX, #4,520 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A-; Watch: amenities F, commute F.
• Angleton ISD (suburban): math 36% / reading 44% proficiency, ranked #375 of 826 in TX (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Rancho Isabella El (math 42% / reading 47%, grade F, #1,155 of 4,322 statewide, top 29%, 418 students, 68% FRL); Angleton J H School (math 26% / reading 41%, grade F, #911 of 1,662 statewide, top 56%, 1,561 students, 68% FRL); Angleton H S (math 22% / reading 45%, grade F, #1,011 of 1,632 statewide, top 63%, 2,066 students, 67% FRL).
• Market conditions: 1104 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,960 units permitted in Brazoria County in 2024 (593 in 5+ unit buildings).
• This rent runs 32% of the median local income ($89k/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 $9k of value loss. Plan a longer hold.
• Brazoria County population projected at +44% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($282k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $234,029 (19.6% 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. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.78% ✗
• Cap rate: 5.37%
• Cash-on-cash: -3.30%
• DSCR: 0.85
• GRM: 10.7

CMA / ARV

• ARV (median comp): $301,100
• List price: $290,990
• Delta: -1.70%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1914 Stargazer Ln	0.15mi	4/3.0	2,229 (-0%)	1mo	$260,990	$117	89
1935 Stargazer Ln	0.15mi	4/3.0	2,229 (-0%)	2mo	$252,990	$113	89
1935 Starlight St	0.20mi	4/3.0	2,229 (-0%)	0mo	$273,990	$123	88
1947 Starlight St	0.21mi	4/3.0	2,229 (-0%)	1mo	$270,990	$122	87
3515 Atlas Point Ln	0.25mi	4/3.0	2,410 (+8%)	0mo	$251,001	$104	73
1951 Starlight St	0.22mi	4/2.0	2,081 (-7%)	0mo	$263,990	$127	72
3603 Atlas Point Ct	0.21mi	4/2.5	2,015 (-10%)	2mo	$305,990	$152	69
1906 Stargazer Ln	0.15mi	4/2.0	1,922 (-14%)	1mo	$230,340	$120	63
3618 Atlas Point Ln	0.24mi	4/2.0	1,924 (-14%)	0mo	$249,990	$130	60
1514 Gentle Wind Ct	0.67mi	4/3.5	2,400 (+8%)	1mo	$280,990	$117	55
2134 Mosaic Valley Ct	0.33mi	3/2.5 (-1)	2,539 (+14%)	0mo	$279,990	$110	53
2138 Mosaic Valley Ct	0.34mi	3/2.0 (-1)	1,908 (-15%)	2mo	$258,540	$136	48

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -23.4%
• Equity multiple: 0.20×
• Total profit: $-67,725
• Equity at exit: $44,895

10-year hold

• IRR: -18.1%
• Equity multiple: 0.01×
• Total profit: $-83,142
• Equity at exit: $26,034

Cash invested: $84,308 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 139 active · 36 under contract
• Months of supply: 14.6 mo (7%/mo absorbed)
• Median asking: $294,990 ($142/sqft)
• Median days on market: 94 d
• This list price: 48% of active listings are priced below it
• ARV vs active asking: -5.3% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 77515

• Home prices YoY: -5.1%
• Active inventory: 1104
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,340 high
• Mortgage (P&I): −$1,579
• Tax est. 1.5%: −$376 /mo · $4,517/yr
• Insurance: −$125
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$491
• Net cashflow: $-298

Break-even live

Break-even rent $2,718

Max offer price $257,912

Occupancy floor —

Sensitivity live

Price	-10% $-90	-5% $-194	+0% $-298	+5% $-403	+10% $-507
Rent	-10% $-483	-5% $-391	+0% $-298	+5% $-206	+10% $-114
Rate	-1.0pp $-147	-0.5pp $-222	base $-298	+0.5pp $-376	+1.0pp $-456

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: $75,275
• Closing costs: $9,033
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3606 Atlas Point Ln Angleton, TX	3.0	2.0	1876	$2,175	$1.16	23d	1	0.22mi
3606 Atlas Point Ln Angleton, TX	3.0	2.0	1876	$2,175	$1.16	14d	1	0.22mi
3602 Atlas Point Ln Angleton, TX	4.0	3.0	1959	$2,500	$1.28	25d	1	0.22mi
2126 Mosaic Valley Ct Angleton, TX	4.0	2.0	1984	$2,300	$1.16	35d	1	0.28mi
4 Stadium Dr Angleton, TX	1.0–3.0	1.0–2.0	1065	$1,810	$1.70	0d	19	0.93mi
513 Robin St Angleton, TX	4.0	2.0	1900	$2,495	$1.31	71d	1	1.22mi

Property features AI

Finance

• Other: Address: 3622 Compass Pointe Ct, Angleton TX 77515
• Financial info: List price $300,990

Exterior

• Parking: 2 garage spaces (2 total parking spaces)
• Home design: Single-family residence (Plan: Lucia)New construction
• Exterior features: Living area approximately 2,233

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 3 full bathrooms and 1 half bathroom (3.5 total)
• Interior features: New construction plan (Lucia)

Listing history 42 events

1. 2026-08-08
   pricedays on market $290,990 Active 51 DOM
2. 2026-08-06
   days on market $295,990 Active 49 DOM
3. 2026-08-05
   days on market $295,990 Active 48 DOM
4. 2026-08-04
   days on market $295,990 Active 47 DOM
5. 2026-08-03
   days on market $295,990 Active 46 DOM
6. 2026-07-31
   days on market $295,990 Active 43 DOM
7. 2026-07-30
   days on market $295,990 Active 42 DOM
8. 2026-07-30
   days on market $295,990 Active 41 DOM
9. 2026-07-28
   pricedays on market $295,990 Active 40 DOM
10. 2026-07-26
    days on market $300,990 Active 38 DOM
11. 2026-07-24
    days on market $300,990 Active 36 DOM
12. 2026-07-23
    days on market $300,990 Active 35 DOM
13. 2026-07-22
    days on market $300,990 Active 34 DOM
14. 2026-07-21
    days on market $300,990 Active 33 DOM
15. 2026-07-20
    days on market $300,990 Active 32 DOM
16. 2026-07-18
    days on market $300,990 Active 30 DOM
17. 2026-07-18
    days on market $300,990 Active 29 DOM
18. 2026-07-16
    days on market $300,990 Active 28 DOM
19. 2026-07-15
    days on market $300,990 Active 27 DOM
20. 2026-07-14
    days on market $300,990 Active 26 DOM
21. 2026-07-13
    days on market $300,990 Active 25 DOM
22. 2026-07-13
    days on market $300,990 Active 24 DOM
23. 2026-07-11
    days on market $300,990 Active 23 DOM
24. 2026-07-10
    days on market $300,990 Active 22 DOM
25. 2026-07-09
    days on market $300,990 Active 21 DOM
26. 2026-07-07
    days on market $300,990 Active 19 DOM
27. 2026-07-06
    days on market $300,990 Active 18 DOM
28. 2026-07-06
    days on market $300,990 Active 17 DOM
29. 2026-07-05
    days on market $300,990 Active 16 DOM
30. 2026-07-03
    days on market $300,990 Active 15 DOM
31. 2026-07-02
    days on market $300,990 Active 14 DOM
32. 2026-07-01
    days on market $300,990 Active 13 DOM
33. 2026-06-30
    days on market $300,990 Active 12 DOM
34. 2026-06-29
    days on market $300,990 Active 11 DOM
35. 2026-06-28
    days on market $300,990 Active 10 DOM
36. 2026-06-27
    days on market $300,990 Active 9 DOM
37. 2026-06-26
    days on market $300,990 Active 8 DOM
38. 2026-06-24
    days on market $300,990 Active 6 DOM
39. 2026-06-22
    days on market $300,990 Active 4 DOM
40. 2026-06-21
    days on market $300,990 Active 3 DOM
41. 2026-06-18
    remarks 447-char remark
42. 2026-06-18
    listed $300,990 Active 1 DOM

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

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 6 d/yr ≥111°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,083
• − Mortgage interest: −$16,866
• − Property taxes: −$4,517
• − Insurance: −$2,303
• − Repairs & maintenance: −$2,247
• − Management: −$2,247
• − Depreciation: −$8,759
• Taxable loss: −$8,855
• Est. tax savings @ 24.0%: +$2,125
• After-tax cash flow: $-1,456/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 · 10 photos

Good 80/100 None rehab

This new two-story home offers a good condition with no major repairs needed. It's move-in ready with a fresh paint job and landscaping that enhances its curb appeal.

Value-add opportunities

• Both Landscaping — Enhances curb appeal and adds value ↑
• Both Furniture — Completes the living spaces and makes them move-in ready ↑

F Composite school gradezoned avg 37/100

Zoned Schools

Elementary Rancho Isabella El F TX #1,155/4,322 Nat'l #16,061/41,679 Middle Angleton J H School F TX #911/1,662 Nat'l #7,937/14,009 High Angleton H S F TX #1,011/1,632 Nat'l #10,191/17,239

Schools (NCES district)

• District: Angleton ISD
• NCES district ID: 4808310
• Math proficiency: 36% ▼ -8.00%
• Reading proficiency: 44% ▲ 1.00%
• Median HH income: $55,670
• Composite: 35.01/100
• National rank: #5046
• State rank: #375 of 826 in TX

B Composite livability gradescore 74/100

Livability — Angleton

• Score: 74/100
• State rank: #171
• US rank: #4520

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Brazoria County · 420,414 people
• City population: 34,088
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 34,088
• Household income: $88,787
• Rent vs Own: 25.4% rent · 74.6% own
• Severe rent burden: 6% of renters

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Population outlook (Brazoria County) Hauer SSP2

• Today (2025): 420,414 people
• By 2030: 457,585 · +8.8%
• By 2040: 532,232 · +26.6%
• By 2050: 605,399 · +44.0%
• By 2075: 779,358 · +85.4%
• By 2100: 883,759 · +110.2%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 55% Hispanic / Latino 33% Two or more races 18% Black 8% Asian 2%
• Hispanic origin (detail): Mexican 28%
• Common ancestry: Lithuanian 3% Romanian 2% Slovak 1%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 78% English-only · Spanish 20% Other Asian/Pacific 1%

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Political lean MEDSL · Brazoria

• 2024 margin: R (+19.7) · D 39.5% · R 59.2% · Other 1.3%
• 2008→2024 swing: +9.9pp toward D · 2008: -29.6pp · 2024: -19.7pp
• All cycles: 2024: R+19.7 2020: R+18.2 2016: R+24.6 2012: R+34.2 2008: R+29.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -15.59%
• Current HPI: 288.7286
• Rent YoY: —
• Metro: Houston-The Woodlands-Sugar Land, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

Property features AI

Finance

• Other: Address: 3622 Compass Pointe Ct, Angleton TX 77515
• Financial info: List price $300,990

Exterior

• Parking: 2 garage spaces (2 total parking spaces)
• Home design: Single-family residence (Plan: Lucia)New construction
• Exterior features: Living area approximately 2,233

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 3 full bathrooms and 1 half bathroom (3.5 total)
• Interior features: New construction plan (Lucia)