14 Dana St · Lumberton, TX 77657

$155,000

2 bd · 2.5 ba · 1,450 sqft · SingleFamily · 112 Days on market

Fair condition 4,792 sqft lot $107/sqft · 39% below area Est $255k · 39% 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 +17.1/30.0
• ARV discount +15.0/15.0
• Schools +5.4/10.0
• DSCR +5.3/10.0
• 1% rule +4.6/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This two bedroom, two and half bath condo is move-in ready and has covered parking with 2 storage buildings. The living room has wood look tile plank floors with a wood burning fireplace. Utility room is inside and the washer/dryer will stay! Both bedrooms are upstairs and each has it's own bathroom. The covered back porch is fenced with wood privacy fencing. There's a covered carport with 2 dedicated parking spaces plus 2 storage buildings!

Key facts

• Fenced back porch
• Covered parking
• Storage buildings

Tags

• COVERED PARKING
• WOOD BURNING FIREPLACE
• FENCED BACK PORCH
• DEDICATED PARKING SPACES
• STORAGE BUILDINGS

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath single-family listed at $155k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $107 ($1k/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 $149k (3.7% below list).
• Recommended offer: $141k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.1% vs local median 3.6% in Lumberton — 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 75/100 on livability (#160 in TX, #4,326 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F.
• Lumberton ISD (suburban): math 48% / reading 50% proficiency, ranked #173 of 826 in TX (top 21%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Lumberton Pri (math 54% / reading 58%, grade C+, #574 of 4,322 statewide, top 14%, 982 students, 43% FRL); Lumberton Middle (math 47% / reading 51%, grade C-, #378 of 1,662 statewide, top 23%, 969 students, 35% FRL); Lumberton H S (math 55% / reading 61%, grade C, #320 of 1,632 statewide, top 20%, 1,229 students, 30% FRL).
• Market conditions: 455 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals lingering (median 119d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 358 units permitted in Hardin County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 112 days — a 9% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 10y 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→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $141,050 (9.0% below list)

Questions for the listing agent

1. It's been on market 112 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.96% ✗
• Cap rate: 7.13%
• Cash-on-cash: 2.97%
• DSCR: 1.13
• GRM: 8.7

CMA / ARV

• ARV (median comp): $255,126
• List price: $155,000
• Delta: -39.25%
• Verdict: UNDERPRICED
• Comps: 13 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7845 Laurie Ln	0.40mi	3/2.0 (+1)	1,460 (+1%)	14mo	$227,000	$155	62
8125 Laurie Lane Ln	0.59mi	3/2.0 (+1)	1,422 (-2%)	5mo	$209,900	$148	58
240 Wren St	0.27mi	3/2.5 (+1)	1,626 (+12%)	11mo	$269,900	$166	53
120 Parkway Oaks Dr	0.73mi	3/2.0 (+1)	1,554 (+7%)	10mo	$260,000	$167	39
106 Greenleaf Dr	0.84mi	3/2.0 (+1)	1,400 (-3%)	19mo	$226,800	$162	36
108 Greenleaf Dr	0.85mi	3/3.0 (+1)	1,656 (+14%)	4mo	$271,000	$164	31
115 Rustic Ln	1.05mi	3/2.0 (+1)	1,253 (-14%)	11mo	$249,900	$199	26
200 Pinata Dr	1.07mi	3/2.0 (+1)	1,653 (+14%)	14mo	$175,000	$106	23

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: -11.6%
• Equity multiple: 0.58×
• Total profit: $-18,249
• Equity at exit: $23,111

10-year hold

• IRR: -2.4%
• Equity multiple: 0.84×
• Total profit: $-6,985
• Equity at exit: $13,402

Cash invested: $43,400 (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: 4 active · 9 under contract
• Months of supply: 12.0 mo (8%/mo absorbed)
• Median asking: $257,750 ($158/sqft)
• Median days on market: 67 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +11.6% above current asking $/sqft

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

ZIP-level market 77657

• Active inventory: 455
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,492 high
• Mortgage (P&I): −$813
• Tax est. 1.5%: −$194 /mo · $2,325/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $107

Break-even live

Break-even rent $1,356

Max offer price $155,000

Occupancy floor 88%

Sensitivity live

Price	-10% $215	-5% $161	+0% $107	+5% $54	+10% $0
Rent	-10% $-10	-5% $49	+0% $107	+5% $166	+10% $225
Rate	-1.0pp $186	-0.5pp $147	base $107	+0.5pp $67	+1.0pp $26

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: $38,750
• Closing costs: $4,650
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
357 S Main St Lumberton, TX	3.0	2.0	1216	$895	$0.74	139d	1	0.16mi
200 Raider Ln Lumberton, TX	3.0	2.0	1216	$1,395	$1.15	119d	1	0.35mi
200 Raider Ln Lumberton, TX	3.0	2.0	1216	$1,395	$1.15	6d	1	0.35mi
110 Azaelia Dr Lumberton, TX	2.0	2.0	1380	$1,650	$1.20	109d	1	0.51mi
40 Candlelight Ln Lumberton, TX	3.0	2.0	1626	$2,000	$1.23	119d	1	0.66mi
40 Candlelight Ln Lumberton, TX	3.0	2.0	1626	$2,000	$1.23	139d	1	0.66mi
187 S Lhs Dr Lumberton, TX	1.0–3.0	1.0–2.0	1107	$1,278	$1.15	0d	1	1.05mi
216 Church Loop Lumberton, TX	3.0	2.0	1100	$1,495	$1.36	6d	1	1.07mi
216 Church Loop Lumberton, TX	3.0	2.0	1121	$1,495	$1.33	0d	1	1.07mi
527 Old Silsbee Rd Unit 3C Lumberton, TX	2.0	1.5	1100	$1,250	$1.14	0d	1	1.08mi
527 Old Silsbee Rd Unit 1A Lumberton, TX	2.0	1.5	1050	$1,250	$1.19	139d	1	1.08mi
8445 Harvard St Lumberton, TX	3.0	2.5	1295	$1,790	$1.38	119d	1	1.37mi
9006 Duke St Lumberton, TX	3.0	2.0	1064	$1,400	$1.32	139d	1	1.42mi

Listing history 35 events

1. 2026-09-12
   days on market $155,000 Active 112 DOM
2. 2026-09-11
   days on market $155,000 Active 111 DOM
3. 2026-09-05
   days on market $155,000 Active 105 DOM
4. 2026-09-04
   days on market $155,000 Active 104 DOM
5. 2026-09-03
   days on market $155,000 Active 103 DOM
6. 2026-08-31
   days on market $155,000 Active 100 DOM
7. 2026-08-30
   days on market $155,000 Active 99 DOM
8. 2026-08-29
   days on market $155,000 Active 98 DOM
9. 2026-08-28
   days on market $155,000 Active 97 DOM
10. 2026-08-27
    days on market $155,000 Active 96 DOM
11. 2026-08-26
    days on market $155,000 Active 95 DOM
12. 2026-08-25
    days on market $155,000 Active 94 DOM
13. 2026-08-24
    days on market $155,000 Active 93 DOM
14. 2026-08-23
    days on market $155,000 Active 92 DOM
15. 2026-08-21
    days on market $155,000 Active 90 DOM
16. 2026-08-20
    days on market $155,000 Active 89 DOM
17. 2026-08-19
    days on market $155,000 Active 88 DOM
18. 2026-08-18
    days on market $155,000 Active 87 DOM
19. 2026-08-17
    days on market $155,000 Active 86 DOM
20. 2026-08-16
    days on market $155,000 Active 85 DOM
21. 2026-08-15
    days on market $155,000 Active 84 DOM
22. 2026-08-14
    days on market $155,000 Active 83 DOM
23. 2026-08-13
    status $155,000 Active 82 DOM
24. 2026-06-01
    statusdays on market $155,000 Pending 82 DOM
25. 2026-05-31
    days on market $155,000 Active 81 DOM
26. 2026-05-30
    days on market $155,000 Active 80 DOM
27. 2026-03-10
    listed $155,000 Active 445-char remark

    Show marketing remark (445 chars)

    This two bedroom, two and half bath condo is move-in ready and has covered parking with 2 storage buildings. The living room has wood look tile plank floors with a wood burning fireplace. Utility room is inside and the washer/dryer will stay! Both bedrooms are upstairs and each has it's own bathroom. The covered back porch is fenced with wood privacy fencing. There's a covered carport with 2 dedicated parking spaces plus 2 storage buildings!

28. 2022-10-17
    soldstatus 649-char remark

    Show marketing remark (649 chars)

    ake a look at this wonderful townhome in the heart of Lumberton. This two bedroom, two and half bath with 1450 SF is just right for a family looking to move to Lumberton. The open floor plan, with wood look tile plank floors, pulls the entire downstairs together and the brick, wood burning fireplace makes a great centerpiece. The upstairs is all wood look laminate and has a master bedroom with master bath with his/her closets. Bedroom two is spacious and has its own bathroom too. The covered back porch is private and perfect for cook outs and gatherings. The carport adds a nice, covered back entrance. Call today to view this lovely townhome.

29. 2022-10-17
    soldstatus

    Show marketing remark (649 chars)

    ake a look at this wonderful townhome in the heart of Lumberton. This two bedroom, two and half bath with 1450 SF is just right for a family looking to move to Lumberton. The open floor plan, with wood look tile plank floors, pulls the entire downstairs together and the brick, wood burning fireplace makes a great centerpiece. The upstairs is all wood look laminate and has a master bedroom with master bath with his/her closets. Bedroom two is spacious and has its own bathroom too. The covered back porch is private and perfect for cook outs and gatherings. The carport adds a nice, covered back entrance. Call today to view this lovely townhome.

30. 2022-09-12
    listed $145,000
31. 2022-09-09
    listed $145,000 649-char remark

    Show marketing remark (649 chars)

    ake a look at this wonderful townhome in the heart of Lumberton. This two bedroom, two and half bath with 1450 SF is just right for a family looking to move to Lumberton. The open floor plan, with wood look tile plank floors, pulls the entire downstairs together and the brick, wood burning fireplace makes a great centerpiece. The upstairs is all wood look laminate and has a master bedroom with master bath with his/her closets. Bedroom two is spacious and has its own bathroom too. The covered back porch is private and perfect for cook outs and gatherings. The carport adds a nice, covered back entrance. Call today to view this lovely townhome.

32. 2020-09-15
    soldstatus
33. 2020-08-13
    listed $115,000
34. 2016-02-23
    soldstatus
35. 2016-01-28
    listed $109,000

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 25 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: $17,904
• − Mortgage interest: −$8,682
• − Property taxes: −$2,325
• − Insurance: −$775
• − Repairs & maintenance: −$1,432
• − Management: −$1,432
• − Depreciation: −$4,509
• Taxable loss: −$1,253
• Est. tax savings @ 24.0%: +$301
• After-tax cash flow: $1,590/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 · 12 photos

Fair 45/100 Moderate rehab Est. rehab $36,250–$65,250 screening

This two-bedroom, two-and-a-half-bath home requires moderate repairs and maintenance, with potential for significant value increase through interior updates.

Repairs flagged

• Moderate Kitchen cabinets — Worn appearance
• Minor Bathroom fixtures — Need cleaning

Value-add opportunities

• Both Paint interior walls — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both Replace kitchen cabinets — New cabinets improve functionality and aesthetics ↑
• Both Upgrade bathroom fixtures — Modern fixtures enhance functionality and appeal ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

D Composite school gradezoned avg 54/100

Zoned Schools

Elementary Lumberton Pri C+ TX #574/4,322 Nat'l #9,382/41,679 Middle Lumberton Middle C- TX #378/1,662 Nat'l #3,736/14,009 High Lumberton H S C TX #320/1,632 Nat'l #3,986/17,239

Schools (NCES district)

• District: Lumberton ISD
• NCES district ID: 4813530
• Math proficiency: 48% ▼ -5.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $62,996
• Composite: 43.2/100
• National rank: #3063
• State rank: #173 of 826 in TX

B Composite livability gradescore 75/100

Livability — Lumberton

• Score: 75/100
• State rank: #160
• US rank: #4326

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lumberton, TX
• County: Hardin County · 57,780 people
• City population: 22,258
• Metro: Beaumont-Port Arthur, TX
• Population (ZIP): 22,258
• Household income: $95,718
• Rent vs Own: 16.3% rent · 83.7% own
• Severe rent burden: 21% of renters

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Population outlook (Hardin County) Hauer SSP2

• Today (2025): 57,780 people
• By 2030: 58,296 · +0.9%
• By 2040: 58,421 · +1.1%
• By 2050: 57,391 · -0.7%
• By 2075: 53,132 · -8.0%
• By 2100: 44,905 · -22.3%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Hispanic / Latino 5% Two or more races 5%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Lithuanian 10% Serbian 3% Slovak 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2%

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Political lean MEDSL · Hardin

• 2024 margin: Solid R (+75.8) · D 11.9% · R 87.7%
• 2008→2024 swing: -14.6pp toward R · 2008: -61.2pp · 2024: -75.8pp
• All cycles: 2024: R+75.8 2020: R+73.8 2016: R+73.9 2012: R+67.6 2008: R+61.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -160.56%
• Current HPI: 156.2265
• Rent YoY: —
• Metro: Beaumont-Port Arthur, 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

Price history

+42.2% since first listed

9 events — show timeline

• 2026-03-10 Listed $155,000 BBOR
• 2022-10-17 Sold (MLS) — BBOR
• 2022-10-17 Sold (MLS) — PNPANBOR
• 2022-09-12 Listed $145,000 BBOR
• 2022-09-09 Listed $145,000 PNPANBOR
• 2020-09-15 Sold (MLS) — BBOR
• 2020-08-13 Listed $115,000 BBOR
• 2016-02-23 Sold (MLS) — BBOR
• 2016-01-28 Listed $109,000 BBOR