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1895 Lucille St
C Composite 57.07
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 +21.6/30.0
  • ARV discount +11.7/15.0
  • 1% rule +7.1/10.0
  • DSCR +6.9/10.0
  • Livability +3.2/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +1.5/10.0
  • Appreciation +0.0/10.0

$129,900

1895 Lucille St · Beaumont, TX 77705
4 bd · 2.0 ba · 1,984 sqft · SingleFamily public records · 67 Days on market
Built 1968 0.29 ac lot $65/sqft · 9% below area Est $143k · 9% under ↓ 21% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Investor Opportunity: Spacious 4-Bdrm. Home with Great Potential. Discover possibilities with this cozy 4-Bdrm, 2-Bth home with 2-car garage, nestled in a Quiet Neighborhood. This Estate Property has exceptional potential for Investors or Homeowners alike—whether you're planning to renovate and flip, generate Rental income, or Design Your Dream Home. Enjoy natural light from the Atrium-Style Sunroom, creating a warm and inviting atmosphere. The front Gated Patio provides the perfect spot for morning coffee or relaxing evening drinks. 4th Bdrm. can serve as a Home Office or Guest Space. The HVAC system has been Upgraded with One year warranty. This property is being sold as-is, FOR CASH and Possible Conventional Financing options available. Don’t miss out on this versatile investment opportunity!

Key facts

  • 0.29 acre lot
  • 2 garage spots
  • Listed 67 days

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $130k.

Deal economics

  • At list price, monthly cash flow is $198 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $130k).
  • Recommended offer: $122k (6.0% below list) — sets the bar for market timing.
  • Cap rate 8.1% vs local median 5.3% in Beaumont — 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 (#739 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, schools D-, crime F.
  • Beaumont ISD (urban): math 14% / reading 22% proficiency, ranked #789 of 826 in TX (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: 207 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 343 units permitted in Jefferson County in 2024 (0 in 5+ unit buildings).
  • This rent runs 35% of the median local income ($55k/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 $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

  • It's been on market 67 days — a 6% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 2y 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

  • Watch-outs: property tax is 2.9% of price.
  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $122,106 (6.0% below list)

Questions for the listing agent

  1. It's been on market 67 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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?
  8. 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.
  9. 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.
  10. 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
1.21%
Cap rate
8.12%
Cash-on-cash
6.53%
DSCR
1.29
GRM
6.9

CMA / ARV

ARV (median comp)
$143,146
List price
$129,900
Delta
-9.25%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 2 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1870 Rena St 0.03mi 4/2.5 2,280 (+15%) 6mo $190,000 $83 66
4740 Cornell Dr 0.39mi 3/2.0 (-1) 1,686 (-15%) 6mo $169,999 $101 47

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
-6.2%
Equity multiple
0.77×
Total profit
$-8,329
Equity at exit
$19,369
10-year hold
IRR
3.6%
Equity multiple
1.26×
Total profit
$9,448
Equity at exit
$11,231

Cash invested: $36,372 (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.

ZIP-level market 77705

Home prices YoY
-29.7%
Active inventory
207
Price-to-rent
6.9×

Monthly cashflow live

Estimated rent
$1,577 high interval (Pro) →
Mortgage (P&I)
$681
Tax from tax record
$312 /mo · $3,747/yr
Insurance
$54
HOA
$0
Vacancy / Maint / Mgmt
$331
Net cashflow
$198

Break-even live

Break-even rent $1,326
Max offer price $129,900
Occupancy floor 82%

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
$32,475
Closing costs
$3,897
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 8 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4404 Raven St Beaumont, TX 4.0 2.0 1628 $1,600 $0.98 23d 1 0.08mi
4090 Lou St Beaumont, TX 3.0 2.0 1281 $1,675 $1.31 43d 1 0.35mi
4455 S 5th St Beaumont, TX 3.0 2.0 1437 $1,500 $1.04 13d 1 0.82mi
1211 Washington Blvd Beaumont, TX 3.0 1.0 1363 $1,200 $0.88 43d 1 0.90mi
365 E Irby St Beaumont, TX 3.0 2.0 1281 $1,495 $1.17 23d 1 1.21mi
4210 Sullivan St Beaumont, TX 3.0 1.0 1540 $1,300 $0.84 43d 1 1.22mi
614 Euclid St Beaumont, TX 4.0 2.0 1378 $1,395 $1.01 23d 1 1.24mi
4020 Howard St Beaumont, TX 3.0 2.0 1300 $975 $0.75 43d 1 1.31mi

Listing history 28 events

  1. 2026-06-02
    status $129,900 Pending 67 DOM
  2. 2026-06-01
    days on market $129,900 Active 67 DOM
  3. 2026-05-31
    days on market $129,900 Active 66 DOM
  4. 2026-05-30
    days on market $129,900 Active 65 DOM
  5. 2026-03-27
    listed $129,900 Active 818-char remark
    Show marketing remark (818 chars)

    Investor Opportunity: Spacious 4-Bdrm. Home with Great Potential. Discover possibilities with this cozy 4-Bdrm, 2-Bth home with 2-car garage, nestled in a Quiet Neighborhood. This Estate Property has exceptional potential for Investors or Homeowners alike—whether you're planning to renovate and flip, generate Rental income, or Design Your Dream Home. Enjoy natural light from the Atrium-Style Sunroom, creating a warm and inviting atmosphere. The front Gated Patio provides the perfect spot for morning coffee or relaxing evening drinks. 4th Bdrm. can serve as a Home Office or Guest Space. The HVAC system has been Upgraded with One year warranty. This property is being sold as-is, FOR CASH and Possible Conventional Financing options available. Don’t miss out on this versatile investment opportunity!

  6. 2026-03-05
    price $119,500
  7. 2025-12-31
    price $119,900
  8. 2025-12-18
    price $125,000
  9. 2025-11-22
    price $125,900
  10. 2025-10-31
    price $128,900
  11. 2025-10-23
    price $129,000
  12. 2025-10-03
    price $129,500
  13. 2025-09-25
    price $129,900
  14. 2025-09-24
    status Active
  15. 2025-09-24
    price $132,000
  16. 2025-09-18
    status Pending
  17. 2025-08-25
    price $134,500
  18. 2025-08-11
    price $134,900
  19. 2025-07-14
    price $135,000
  20. 2025-07-06
    price $138,000
  21. 2025-06-19
    listed $139,000 Active
  22. 2025-05-30
    price $139,500
  23. 2025-05-10
    price $145,000
  24. 2025-03-12
    price $159,000
  25. 2025-01-31
    price $160,000
  26. 2024-12-27
    price $163,000
  27. 2024-11-30
    price $164,000
  28. 2024-10-29
    listed $165,000 Active

ⓘ 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
$3,747 · $312/mo
Projected year-2 tax
$3,747 · $312/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 4/10 Moderate FEMA zone X · 22% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 24 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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$18,919
− Mortgage interest
−$7,276
− Property taxes
−$3,747
− Insurance
−$650
− Repairs & maintenance
−$1,513
− Management
−$1,513
− Depreciation
−$3,779
Taxable income
$440
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$106
After-tax cash flow
$2,269/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
Beaumont ISD
NCES district ID
4809670
Math proficiency
14% ▼ -13.00%
Reading proficiency
22% ▼ -7.00%
Median HH income
$41,683
Composite
15.43/100
National rank
#9316
State rank
#789 of 826 in TX

Livability — Beaumont

Score
64/100
State rank
#739
US rank
#13710

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Beaumont, TX
County
Jefferson County · 203,592 people
City population
125,901
Metro
Beaumont-Port Arthur, TX
Population (ZIP)
38,259
Household income
$54,633
Rent vs Own
41.4% rent · 58.6% own
Severe rent burden
776.0

Population outlook (Jefferson County) Hauer SSP2

Today (2025)
259,015 people
By 2030
260,685 · +0.6%
By 2040
263,309 · +1.7%
By 2050
265,237 · +2.4%
By 2075
270,193 · +4.3%
By 2100
255,628 · -1.3%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.66)
Race & ethnicity
Black 46% White 29% Hispanic / Latino 21% Two or more races 6% Asian 2%
Hispanic origin (detail)
Mexican 13%
Common ancestry
Lithuanian 5% Italian 1%
Foreign-born
8% · Canada, Vietnam
Languages at home
80% English-only · Spanish 18% Other Indo-European 1%

Political lean MEDSL · Jefferson

2024 margin
Lean R (+8.9) · D 45.1% · R 54.0%
2008→2024 swing
-11.1pp toward R · 2008: 2.2pp · 2024: -8.9pp
All cycles
2024: R+8.9 2020: R+1.6 2016: R+0.5 2012: D+1.6 2008: D+2.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -54.76%
Current HPI
129.3696
Rent YoY
Metro
Beaumont-Port Arthur, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

-21.3% since first listed
24 events — show timeline
  • 2026-03-27 Listed $129,900 BBOR
  • 2026-03-05 Price Changed $119,500 BBOR
  • 2025-12-31 Price Changed $119,900 BBOR
  • 2025-12-18 Price Changed $125,000 BBOR
  • 2025-11-22 Price Changed $125,900 BBOR
  • 2025-10-31 Price Changed $128,900 BBOR
  • 2025-10-23 Price Changed $129,000 BBOR
  • 2025-10-03 Price Changed $129,500 BBOR
  • 2025-09-25 Price Changed $129,900 BBOR
  • 2025-09-24 Relisted BBOR
  • 2025-09-24 Price Changed $132,000 BBOR
  • 2025-09-18 Pending BBOR
  • 2025-08-25 Price Changed $134,500 BBOR
  • 2025-08-11 Price Changed $134,900 BBOR
  • 2025-07-14 Price Changed $135,000 BBOR
  • 2025-07-06 Price Changed $138,000 BBOR
  • 2025-06-19 Listed $139,000 BBOR
  • 2025-05-30 Price Changed $139,500 BBOR
  • 2025-05-10 Price Changed $145,000 BBOR
  • 2025-03-12 Price Changed $159,000 BBOR
  • 2025-01-31 Price Changed $160,000 BBOR
  • 2024-12-27 Price Changed $163,000 BBOR
  • 2024-11-30 Price Changed $164,000 BBOR
  • 2024-10-29 Listed $165,000 BBOR

Property tax history

+3.9%/yr

Latest (2025): $3,747 · -0.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…