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10114 Native Grove Dr
C- Composite 52.88
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).

  • ARV discount +15.0/15.0
  • Cash flow +11.5/30.0
  • 1% rule +5.4/10.0
  • Schools +4.5/10.0
  • Appreciation +4.2/10.0
  • Condition / age +4.0/5.0
  • DSCR +3.4/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0

$329,999

10114 Native Grove Dr · Sienna, TX 77459
4 bd · 3.0 ba · 2,122 sqft · Other public records · 2 Days on market
Built 2022 Good condition 4,984 sqft lot $156/sqft · 17% below area Est $400k · 17% under $129/mo HOA · 4% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

STUNNING 2-Story Home featuring 4 Bedrooms & 3 Full Baths w/ UPGRADES GALORE in sought-after community of SIENNA w/ tons of amenities! FANTASTIC Foyer w/ Custom Front Door & Terrific Tile flooring upon entry! Gourmet Kitchen boasts sleek countertops, Island, Stainless Steel appliances & charming cabinetry. Luxurious Living Room offers abundance of space to make your own & overlooks the Beautiful Backyard through WALL OF WINDOWS. PRISTINE Primary Suite w/ terrific tile flooring & enormous amounts of natural lighting. RESORT-like Primary Bath Oasis features shower w/ built in shelves, oversized HIS and HER VANITY & large walk-in closet. Ideal for multi-gene

Key facts

  • Gourmet kitchen
  • Cozy covered patio
  • Custom front door

Tags

GOURMET KITCHENCUSTOM FRONT DOORRESORT-LIKE PRIMARY BATH OASISCOZY COVERED PATIOABUNDANCE OF GREENSPACEZONED TO TOP RATED FBISD

Property features AI

Other

  • Other: Seller disclosure available; Energy-efficient features including radiant attic barrier, upgraded appliances, HVAC, insulation, lighting, thermostat, and windows; Total rooms: 8; Living area approximately 2,122

Finance

  • HOA & community: Sienna HOA; Annual association fee of $1,543; HOA includes clubhouse, common areas, and recreation facilities; Community pool; Curbs

Exterior

  • Parking: Attached garage; 2 garage spaces
  • Security: Smoke detector(s)
  • Utilities: Public water; Public sewer
  • Home design: Residential property; Faces north; Built in 2022; Entry on slab foundation
  • Construction: Brick and wood siding exterior; Composition roof; Slab foundation; Built in 2022
  • Exterior features: Deck; Patio; Private yard; Sprinkler/irrigation; Concrete road surface; Located in a subdivision

Interior

  • Kitchen: Dishwasher; Disposal; Gas oven; Gas range; Microwave; Oven; Kitchen island; Walk-in pantry; Breakfast bar
  • Bedrooms: Primary bedroom on first floor (15 x 14.3); Bedroom on first floor (12.6 x 10); Bedroom on second floor (10.5 x 10.1); Bedroom on second floor (10.5 x 10)
  • Flooring: Carpet; Tile
  • Bathrooms: 3 full bathrooms; Double vanity(s); Separate shower(s); Tub/shower combinations
  • Heating & cooling: Central heating (gas); Central air conditioning (gas)
  • Interior features: Breakfast bar; Double vanity; High ceilings; Kitchen island; Kitchen and family room combo; Pantry; Separate shower; Tub with shower; Vanity; Walk-in pantry; Window treatments; Ceiling fans; Kitchen and dining combo; Loft; Programmable thermostat; Low emissivity windows; Window coverings; ENERGY STAR qualified appliances
  • Laundry & utility: Programmable thermostat

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/3.0-bath other listed at $330k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-107 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $311k (5.7% below list).
  • Meets the 1% rule at list price ($3k rent vs $330k).
  • Recommended offer: $311k (5.7% below list) — sets the bar for cash-flow.
  • Cap rate 5.9% vs local median 3.3% in Sienna — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
  • Fort Bend ISD (suburban): math 44% / reading 53% proficiency, ranked #140 of 826 in TX (top 17%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Ronald Thornton Middle (math 40% / reading 52%, grade D+, #462 of 1,662 statewide, top 28%, 1,529 students, 41% FRL).
  • Market conditions: Rents soft (-0.1%/yr); 1229 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 12,093 units permitted in Fort Bend County in 2024 (815 in 5+ unit buildings).
  • This rent runs 32% of the median local income ($129k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-1.7%/yr); year-one equity from $2k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
  • Fort Bend County population projected at +75% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
  • 12 sale attempts since 3y 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 3.0% of price.
  • Climate carrying-cost: major flood risk; 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 $311,106 (5.7% 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. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  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
1.04%
Cap rate
5.90%
Cash-on-cash
-1.39%
DSCR
0.94
GRM
8.0

CMA / ARV

ARV (median comp)
$399,989
List price
$329,999
Delta
-12.52%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi

Projected returns pro-forma

-1.67% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-14.1%
Equity multiple
0.45×
Total profit
$-51,137
Equity at exit
$69,210
10-year hold
IRR
-11.4%
Equity multiple
0.20×
Total profit
$-73,484
Equity at exit
$64,105

Cash invested: $92,400 (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.

ZIP-level market 77459

Home prices YoY
-0.8%
Rents YoY
-0.1%
Active inventory
1229
Price-to-rent
8.0×

Monthly cashflow live

Estimated rent
$3,424 medium interval (Pro) →
Mortgage (P&I)
$1,731
Tax from tax record
$815 /mo · $9,782/yr
Insurance
$137
HOA
$129
Vacancy / Maint / Mgmt
$719
Net cashflow
$-107

Break-even live

Break-even rent $3,560
Max offer price $311,106
Occupancy floor 98%

Sensitivity live

Price -10% $80 -5% $-14 +0% $-107 +5% $-200 +10% $-294
Rent -10% $-377 -5% $-242 +0% $-107 +5% $28 +10% $164
Rate -1.0pp $59 -0.5pp $-23 base $-107 +0.5pp $-192 +1.0pp $-279

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
$82,500
Closing costs
$9,900
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 3 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1714 Forest Mist Dr Missouri City, TX 3.0 3.0 1979 $3,000 $1.52 45d 1 0.06mi
8719 Fox Trail Dr Missouri City, TX 4.0 3.5 2143 $6,000 $2.80 23d 1 0.88mi
2142 Ironwood Pass Dr Missouri City, TX 4.0 3.0 2140 $6,000 $2.80 0d 1 0.99mi

HOA detail

Monthly dues
$129 · $1,548/yr

Listing history 33 events

  1. 2026-06-21
    pricedays on marketlisting id $329,999 Active 2 DOM
  2. 2026-06-18
    days on market $335,000 Active 22 DOM
  3. 2026-06-17
    days on market $335,000 Active 21 DOM
  4. 2026-06-16
    days on market $335,000 Active 20 DOM
  5. 2026-06-15
    days on market $335,000 Active 19 DOM
  6. 2026-06-13
    days on market $335,000 Active 17 DOM
  7. 2026-06-09
    days on market $335,000 Active 13 DOM
  8. 2026-06-08
    days on market $335,000 Active 12 DOM
  9. 2026-06-07
    days on market $335,000 Active 11 DOM
  10. 2026-06-04
    days on market $335,000 Active 8 DOM
  11. 2026-06-03
    days on market $335,000 Active 7 DOM
  12. 2026-06-02
    days on market $335,000 Active 6 DOM
  13. 2026-06-01
    days on market $335,000 Active 5 DOM
  14. 2026-05-31
    days on market $335,000 Active 4 DOM
  15. 2026-02-26
    listed $349,900 Active 1035-char remark
  16. 2026-02-04
    historical
  17. 2025-12-11
    listed $355,000 Active
  18. 2025-08-01
    historical
  19. 2025-07-29
    historical $2,900
  20. 2025-07-08
    listed $2,900
  21. 2025-06-30
    historical $2,900
  22. 2025-04-04
    listed $375,000 Active
  23. 2025-04-02
    historical
  24. 2025-03-18
    listed $2,900
  25. 2025-03-17
    historical $3,000
  26. 2025-03-11
    listed $384,000 Active
  27. 2025-03-10
    historical
  28. 2025-01-31
    listed $3,000
  29. 2025-01-30
    listed $399,000 Active
  30. 2023-10-03
    historical $2,950
  31. 2023-10-03
    historical
  32. 2023-09-15
    listed $399,000 Active
  33. 2023-09-13
    listed $2,950

ⓘ 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
$9,782 · $815/mo
Projected year-2 tax
$9,782 · $815/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 6/10 Major FEMA zone X · 70% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 22 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 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
$41,093
− Mortgage interest
−$18,485
− Property taxes
−$9,782
− Insurance
−$1,650
− Repairs & maintenance
−$3,287
− Management
−$3,287
− HOA
−$1,548
− Depreciation
−$9,600
Taxable loss
−$6,547
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,571
After-tax cash flow
$288/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

Good 80/100 Cosmetic rehab

This 2-story home in Sienna is in good condition with modern finishes and a well-maintained exterior. It offers a good balance of upgrades and potential for further value enhancement through minor cosmetic improvements and maintenance.

Value-add opportunities

  • Both Painting exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics.
  • Both Landscaping and garden maintenance — Well-maintained landscaping can improve curb appeal and attract potential buyers/tenants.
  • Rental HVAC maintenance — A clean and efficient HVAC system is essential for rental properties and can attract tenants.
  • Resale Kitchen appliances maintenance — Modern appliances can appeal to potential buyers and add value to the home.
  • Resale Bathroom fixtures maintenance — Up-to-date fixtures can enhance the appeal of the bathrooms and add value to the home.

Renovation cost estimate screening

Value-add ROI direction

  • Both Painting exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics.
  • Both Landscaping and garden maintenance — Well-maintained landscaping can improve curb appeal and attract potential buyers/tenants.
  • Rental HVAC maintenance — A clean and efficient HVAC system is essential for rental properties and can attract tenants.
  • Resale Kitchen appliances maintenance — Modern appliances can appeal to potential buyers and add value to the home.
  • Resale Bathroom fixtures maintenance — Up-to-date fixtures can enhance the appeal of the bathrooms and add value to the home.

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

District
Fort Bend ISD
NCES district ID
4819650
Math proficiency
44% ▼ -15.00%
Reading proficiency
53% ▼ -4.00%
Median HH income
$82,360
Composite
44.61/100
National rank
#2779
State rank
#140 of 826 in TX

Livability — Sienna

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Census place
Sienna, TX
County
Fort Bend County · 836,777 people
Metro
Houston-The Woodlands-Sugar Land, TX
Population (ZIP)
84,221
Household income
$129,151
Rent vs Own
14.8% rent · 85.2% own
Severe rent burden
1004.0

Population outlook (Fort Bend County) Hauer SSP2

Today (2025)
1,004,526 people
By 2030
1,153,104 · +14.8%
By 2040
1,453,718 · +44.7%
By 2050
1,753,781 · +74.6%
By 2075
2,455,772 · +144.5%
By 2100
2,930,528 · +191.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.75)
Race & ethnicity
White 34% Black 26% Asian 22% Hispanic / Latino 13% Two or more races 10%
Hispanic origin (detail)
Mexican 7%
Common ancestry
Lithuanian 2% Slovak 1% Italian 1%
Foreign-born
21% · Canada, China, Vietnam
Languages at home
73% English-only · Other Asian/Pacific 8% Spanish 7% Other Indo-European 5%

Political lean MEDSL · Fort Bend

2024 margin
Toss-up / Even · D 49.5% · R 47.9% · Other 2.6%
2008→2024 swing
+4.0pp toward D · 2008: -2.4pp · 2024: 1.6pp
All cycles
2024: D+1.6 2020: D+10.6 2016: D+6.6 2012: R+6.8 2008: R+2.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -1.67%
Current HPI
212.3573
Rent YoY
▼ -0.15%
Metro
Houston-The Woodlands-Sugar Land, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

+11086.4% since first listed
23 events — show timeline
  • 2026-06-19 Listed $329,999 HARMLS
  • 2026-06-19 Listing Removed HARMLS
  • 2026-05-27 Listing Removed HARMLS
  • 2026-05-27 Listed $335,000 HARMLS
  • 2026-02-26 Listed $349,900 HARMLS
  • 2026-02-04 Listing Removed HARMLS
  • 2025-12-11 Listed $355,000 HARMLS
  • 2025-08-01 Listing Removed HARMLS
  • 2025-07-29 Rental Removed $2,900 HARMLS
  • 2025-07-08 Listed for Rent $2,900 HARMLS
  • 2025-06-30 Rental Removed $2,900 HARMLS
  • 2025-04-04 Listed $375,000 HARMLS
  • 2025-04-02 Listing Removed HARMLS
  • 2025-03-18 Listed for Rent $2,900 HARMLS
  • 2025-03-17 Rental Removed $3,000 HARMLS
  • 2025-03-11 Listed $384,000 HARMLS
  • 2025-03-10 Listing Removed HARMLS
  • 2025-01-31 Listed for Rent $3,000 HARMLS
  • 2025-01-30 Listed $399,000 HARMLS
  • 2023-10-03 Rental Removed $2,950 HARMLS
  • 2023-10-03 Listing Removed HARMLS
  • 2023-09-15 Listed $399,000 HARMLS
  • 2023-09-13 Listed for Rent $2,950 HARMLS

Property tax history

+108.8%/yr

Latest (2025): $9,782 · -4.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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