10114 Native Grove Dr · Sienna, TX
Flood risk 6/10 · Moderate
- FEMA flood zone
- X
- Chance of flooding over 30 yrs
- 0.7%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 9/10 · Severe
- Hot days now (above 111°F)
- 7 days/yr
- Hot days in 30 yrs
- 22 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
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
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.
Questions for the listing agent
- 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?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- IRR
- -14.1%
- Equity multiple
- 0.45×
- Total profit
- $-51,137
- Equity at exit
- $69,210
- 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
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
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
| Address | Beds | Baths | Sqft | Rent | $/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
-
2026-06-21pricedays on market $329,999 Active 2 DOM
-
2026-06-18days on market $335,000 Active 22 DOM
-
2026-06-17days on market $335,000 Active 21 DOM
-
2026-06-16days on market $335,000 Active 20 DOM
-
2026-06-15days on market $335,000 Active 19 DOM
-
2026-06-13days on market $335,000 Active 17 DOM
-
2026-06-09days on market $335,000 Active 13 DOM
-
2026-06-08days on market $335,000 Active 12 DOM
-
2026-06-07days on market $335,000 Active 11 DOM
-
2026-06-04days on market $335,000 Active 8 DOM
-
2026-06-03days on market $335,000 Active 7 DOM
-
2026-06-02days on market $335,000 Active 6 DOM
-
2026-06-01days on market $335,000 Active 5 DOM
-
2026-05-31days on market $335,000 Active 4 DOM
-
2026-02-26$349,900 Active 1035-char remark
-
2026-02-04historical
-
2025-12-11$355,000 Active
-
2025-08-01historical
-
2025-07-29historical $2,900
-
2025-07-08$2,900
-
2025-06-30historical $2,900
-
2025-04-04$375,000 Active
-
2025-04-02historical
-
2025-03-18$2,900
-
2025-03-17historical $3,000
-
2025-03-11$384,000 Active
-
2025-03-10historical
-
2025-01-31$3,000
-
2025-01-30$399,000 Active
-
2023-10-03historical $2,950
-
2023-10-03historical
-
2023-09-15$399,000 Active
-
2023-09-13$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
Loading sold comps map…
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
- 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
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
- 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 |
|---|---|---|
| Energy | 16 | $1,198B |
|
||
| Technology | 5 | $198B |
|
||
| Engineering / Construction | 4 | $72B |
|
||
| Energy Services | 3 | $60B |
|
||
| Utilities | 3 | $41B |
|
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| Healthcare | 2 | $330B |
|
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Price history
+11086.4% since first listed23 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%/yrLatest (2025): $9,782 · -4.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…