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110 Whitetail Way
D- Composite 38.78
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).

  • ARV discount +13.0/15.0
  • Schools +6.2/10.0
  • Cash flow +6.1/30.0
  • Condition / age +4.0/5.0
  • Livability +3.7/5.0
  • 1% rule +3.0/10.0
  • Rent growth +2.5/5.0
  • DSCR +0.4/10.0
  • Appreciation +0.0/10.0

$268,700

110 Whitetail Way · Caddo Mills, TX 75135
4 bd · 2.0 ba · 2,012 sqft · SingleFamily public records · 129 Days on market
Built 2021 Good condition 6,621 sqft lot 2-car garage $134/sqft · 12% below area Est $306k · 12% under $44/mo HOA · 2% of rent

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

Listing remarks MLS

New! Super cute, four bedroom, two bath single story. Home includes, island kitchen, granite counters throughout, LED lighting, full sprinkler system and much more! Located in a desirable neighborhood in Caddo Mills ISD with community pool, easy access to surrounding areas. Schedule a tour today!

Key facts

  • Community pool
  • Scenic ponds
  • Playground

Tags

SPLIT-BEDROOM FLOORPLANOVERSIZED PRIMARY SUITECOMMUNITY POOLPLAYGROUNDSCENIC PONDS

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $269k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-507 ($-6k/yr) — negative.
  • To cash-flow at today's rent, offer at most $179k (33.3% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $214k (20.3% below list).
  • Recommended offer: $179k (33.3% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads 73/100 on livability (#216 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
  • Caddo Mills ISD (rural): math 59% / reading 59% proficiency, ranked #60 of 826 in TX (top 7%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Frances And Jeannette Lee El (math 63% / reading 55%, grade B-, #455 of 4,322 statewide, top 11%, 571 students, 29% FRL); Caddo Mills Middle (math 51% / reading 53%, grade C+, #301 of 1,662 statewide, top 19%, 416 students, 28% FRL); Caddo Mills H S (math 72% / reading 77%, grade B+, #82 of 1,632 statewide, top 6%, 681 students, 28% FRL) — zoned schools at 28% FRL track the district average.
  • Market conditions: 369 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals lingering (median 33d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,289 units permitted in Hunt County in 2024 (527 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
  • Hunt County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 129 days — a 12% lower offer ($236k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 6y 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 2.8% of price.
  • Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $179,198 (33.3% 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 129 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
  3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  8. 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?
  9. 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.
  10. 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.
  11. 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
0.80%
Cap rate
4.03%
Cash-on-cash
-8.08%
DSCR
0.64
GRM
10.5

CMA / ARV

ARV (median comp)
$306,333
List price
$268,700
Delta
-12.29%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
127 Longhorn Pass 0.09mi 4/2.0 2,023 (+0%) 0mo $295,000 $146 95
167 Mockingbird Way 0.23mi 4/2.0 2,017 (+0%) 3mo $289,000 $143 86
200 Calico Ln 0.27mi 4/2.0 2,011 (-0%) 1mo $299,000 $149 86
213 Pintail Dr 0.46mi 4/2.0 2,012 (0%) 1mo $289,000 $144 78
108 Condor Pass 0.15mi 4/2.0 1,830 (-9%) 4mo $267,999 $146 75
514 Carthage St 0.59mi 4/2.0 2,017 (+0%) 2mo $338,990 $168 70
215 Bobcat Ln 0.30mi 4/2.0 1,829 (-9%) 5mo $298,990 $163 67
513 Carthage St 0.58mi 4/3.0 2,060 (+2%) 0mo $304,490 $148 65
506 Carthage St 0.55mi 4/3.0 2,060 (+2%) 2mo $333,490 $162 65
506 Range Rd 0.54mi 4/2.0 1,935 (-4%) 5mo $299,490 $155 64
211 Bobcat Ln 0.27mi 3/2.0 (-1) 1,735 (-14%) 4mo $294,030 $169 56
404 Flintlock Rd 0.47mi 3/2.0 (-1) 1,735 (-14%) 4mo $287,490 $166 46

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
-30.4%
Equity multiple
-0.00×
Total profit
$-75,568
Equity at exit
$40,064
10-year hold
IRR
-31.7%
Equity multiple
-0.41×
Total profit
$-106,373
Equity at exit
$23,232

Cash invested: $75,236 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
43 active · 17 under contract
Months of supply
9.2 mo (11%/mo absorbed)
Median asking
$295,000 ($162/sqft)
Median days on market
107 d
This list price
9% of active listings are priced below it
ARV vs active asking
-5.8% vs current asking $/sqft

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

ZIP-level market 75135

Home prices YoY
-13.5%
Active inventory
369
Price-to-rent
10.5×

Monthly cashflow live

Estimated rent
$2,140 high interval (Pro) →
Mortgage (P&I)
$1,409
Tax from tax record
$632 /mo · $7,589/yr
Insurance
$112
HOA
$44
Vacancy / Maint / Mgmt
$449
Net cashflow
$-507

Break-even live

Break-even rent $2,782
Max offer price $179,198
Occupancy floor

Sensitivity live

Price -10% $-355 -5% $-431 +0% $-507 +5% $-583 +10% $-659
Rent -10% $-676 -5% $-591 +0% $-507 +5% $-422 +10% $-338
Rate -1.0pp $-371 -0.5pp $-438 base $-507 +0.5pp $-576 +1.0pp $-647

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
$67,175
Closing costs
$8,061
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 20 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
132 Whitetail Way Caddo Mills, TX 3.0 2.0 1780 $2,400 $1.35 61d 1 0.10mi
116 Kiskadee Trl Caddo Mills, TX 4.0 2.0 2018 $1,995 $0.99 32d 1 0.19mi
152 Whitetail Way Caddo Mills, TX 4.0 2.0 1826 $1,900 $1.04 4d 1 0.20mi
176 Mockingbird Way Caddo Mills, TX 4.0 2.0 2035 $1,995 $0.98 1d 1 0.26mi
210 Calico Ln Caddo Mills, TX 4.0 2.0 2012 $2,350 $1.17 10d 1 0.26mi
187 Longhorn Pass Caddo Mills, TX 4.0 2.0 2003 $2,195 $1.10 54d 1 0.32mi
221 Longhorn Pass Caddo Mills, TX 4.0 2.0 2014 $2,000 $0.99 32d 1 0.43mi
221 Longhorn Pass Caddo Mills, TX 4.0 2.0 2010 $1,950 $0.97 17d 1 0.43mi
218 Whitetail Way Caddo Mills, TX 3.0 2.0 1735 $2,195 $1.27 93d 1 0.44mi
509 Range Rd Caddo Mills, TX 4.0 3.0 2060 $2,500 $1.21 50d 1 0.53mi
125 Smarty Jones St Caddo Mills, TX 4.0 2.0 1690 $2,100 $1.24 21d 1 0.96mi
100 Stovall Ln Caddo Mills, TX 4.0 2.0 2096 $1,850 $0.88 33d 1 1.28mi
181 Seabiscuit Dr Caddo Mills, TX 4.0 2.0 1598 $1,995 $1.25 93d 1 1.29mi
110 Real Quiet Ln Caddo Mills, TX 4.0 3.0 2158 $2,100 $0.97 71d 1 1.33mi
208 Alice Springs Ln Caddo Mills, TX 4.0 3.0 2118 $1,995 $0.94 17d 1 1.35mi
208 Alice Springs Ln Caddo Mills, TX 4.0 3.0 2118 $1,995 $0.94 32d 1 1.35mi
111 Real Quiet Ln Caddo Mills, TX 4.0 2.0 2106 $2,000 $0.95 23d 1 1.35mi
218 Alice Springs Ln Caddo Mills, TX 4.0 3.0 2272 $2,250 $0.99 4d 1 1.35mi
104 Omaha Ln Caddo Mills, TX 4.0 2.0 1575 $1,995 $1.27 62d 1 1.38mi
151 Seabiscuit Dr Caddo Mills, TX 4.0 2.0 1690 $1,750 $1.04 93d 1 1.43mi

Property features AI

Finance

Other
Deed restrictions apply
Financial info
Listing accepts Cash, Conventional, FHA, and VA financing
HOA & community
Mandatory HOAAnnual association fee covers full use of facilities and managementCommunity poolHOA managed by Trailstone Residential Community

Exterior

Parking
Attached 2-car garageCovered parking for 2 vehiclesDriveway
Security
Smoke detector(s)
Utilities
City waterCity sewerCable availableProperty in a municipal utility district
Home design
Single family residenceOne-storyResidential propertyPreowned home built in 2021
Construction
Brick constructionComposition roofSlab foundationYear built 2021
Exterior features
Wood fencingSprinkler systemSubdivision settingEasements for utilities

Interior

Kitchen
DishwasherGas rangeGarbage disposalGranite countertopsIslandEat-in kitchenPantry
Bedrooms
4 bedrooms (all on the main level)Primary bedroom on main level, approx. 13 x 20
Flooring
CarpetCeramic tileLaminate
Bathrooms
2 full bathrooms
Heating & cooling
Central heatingCentral electric coolingCeiling fans
Interior features
Open floorplanEat-in kitchenKitchen islandPantryGranite countersCable TV availableHigh speed internet available6 total rooms1 living area1 dining areaNo fireplaces reportedCeiling fan(s)
Laundry & utility
Utility roomWasher hookupGas water heater

HOA detail $44/mo · $528/yr

Likely covers
pool

Listing history 50 events

  1. 2026-08-08
    days on market $268,700 Active 129 DOM
  2. 2026-08-06
    days on market $268,700 Active 127 DOM
  3. 2026-08-05
    days on market $268,700 Active 126 DOM
  4. 2026-08-04
    days on market $268,700 Active 125 DOM
  5. 2026-08-03
    days on market $268,700 Active 124 DOM
  6. 2026-07-31
    days on market $268,700 Active 121 DOM
  7. 2026-07-30
    days on market $268,700 Active 120 DOM
  8. 2026-07-30
    days on market $268,700 Active 119 DOM
  9. 2026-07-28
    days on market $268,700 Active 118 DOM
  10. 2026-07-26
    days on market $268,700 Active 116 DOM
  11. 2026-07-24
    days on market $268,700 Active 114 DOM
  12. 2026-07-23
    days on market $268,700 Active 113 DOM
  13. 2026-07-22
    days on market $268,700 Active 112 DOM
  14. 2026-07-21
    days on market $268,700 Active 111 DOM
  15. 2026-07-20
    days on market $268,700 Active 110 DOM
  16. 2026-07-18
    days on market $268,700 Active 108 DOM
  17. 2026-07-18
    days on market $268,700 Active 107 DOM
  18. 2026-07-16
    days on market $268,700 Active 106 DOM
  19. 2026-07-15
    days on market $268,700 Active 105 DOM
  20. 2026-07-14
    days on market $268,700 Active 104 DOM
  21. 2026-07-13
    days on market $268,700 Active 103 DOM
  22. 2026-07-13
    days on market $268,700 Active 102 DOM
  23. 2026-07-11
    days on market $268,700 Active 101 DOM
  24. 2026-07-10
    days on market $268,700 Active 100 DOM
  25. 2026-07-09
    days on market $268,700 Active 99 DOM
  26. 2026-07-07
    days on market $268,700 Active 97 DOM
  27. 2026-07-06
    days on market $268,700 Active 96 DOM
  28. 2026-07-06
    days on market $268,700 Active 95 DOM
  29. 2026-07-05
    days on market $268,700 Active 94 DOM
  30. 2026-07-03
    days on market $268,700 Active 93 DOM
  31. 2026-07-02
    days on market $268,700 Active 92 DOM
  32. 2026-07-01
    days on market $268,700 Active 91 DOM
  33. 2026-06-30
    days on market $268,700 Active 90 DOM
  34. 2026-06-29
    days on market $268,700 Active 89 DOM
  35. 2026-06-28
    days on market $268,700 Active 88 DOM
  36. 2026-06-27
    days on market $268,700 Active 87 DOM
  37. 2026-06-26
    days on market $268,700 Active 86 DOM
  38. 2026-06-24
    days on market $268,700 Active 84 DOM
  39. 2026-06-22
    days on market $268,700 Active 82 DOM
  40. 2026-06-21
    days on market $268,700 Active 81 DOM
  41. 2026-06-18
    days on market $268,700 Active 78 DOM
  42. 2026-06-17
    days on market $268,700 Active 77 DOM
  43. 2026-06-16
    days on market $268,700 Active 76 DOM
  44. 2026-06-15
    days on market $268,700 Active 75 DOM
  45. 2026-06-13
    days on market $268,700 Active 73 DOM
  46. 2026-06-13
    days on market $268,700 Active 72 DOM
  47. 2026-06-09
    days on market $268,700 Active 69 DOM
  48. 2026-06-08
    days on market $268,700 Active 68 DOM
  49. 2026-06-07
    days on market $268,700 Active 67 DOM
  50. 2026-06-04
    days on market $268,700 Active 64 DOM

ⓘ 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
$7,589 · $632/mo
Projected year-2 tax
$7,589 · $632/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 7/10 Severe
  • 🌡 Heat 8/10 Severe 7 d/yr ≥111°F today · 25 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 27% 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
$25,684
− Mortgage interest
−$15,051
− Property taxes
−$7,589
− Insurance
−$1,344
− Repairs & maintenance
−$2,055
− Management
−$2,055
− HOA
−$528
− Depreciation
−$7,817
Taxable loss
−$10,755
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,581
After-tax cash flow
$-3,499/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 None rehab

This nearly new 2021 single-story home in the desirable Trailstone community is move-in ready and offers exceptional value with established landscaping and modern features.

Value-add opportunities

  • Resale Paint interior walls — Fresh paint can make a home look more inviting and modern.
  • Resale Replace window treatments — New window treatments can enhance curb appeal and add value.
  • Both Install smart home devices — Smart home devices can increase convenience and add value for both buyers and renters.
  • Resale Upgrade lighting fixtures — Modern lighting can make a home more appealing and energy-efficient.
  • Rental Add a smart thermostat — Smart thermostats can help reduce energy costs and attract renters looking for energy-efficient homes.
C Composite school gradezoned avg 62/100

Zoned Schools

Elementary Frances And Jeannette Lee El B- TX #455/4,322 Nat'l #8,048/41,679 Middle Caddo Mills Middle C+ TX #301/1,662 Nat'l #3,033/14,009 High Caddo Mills H S B+ TX #82/1,632 Nat'l #1,629/17,239

Schools (NCES district)

District
Caddo Mills ISD
NCES district ID
4812390
Math proficiency
59% ▼ -6.00%
Reading proficiency
59% ▬ 0.00%
Median HH income
$65,383
Composite
51.73/100
National rank
#1684
State rank
#60 of 826 in TX
B Composite livability gradescore 73/100

Livability — Caddo Mills

Score
73/100
State rank
#216
US rank
#5332

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Hunt · 97,090 people
City population
10,265
Metro
Dallas-Fort Worth-Arlington, TX
Population (ZIP)
10,265
Household income
$95,428
Rent vs Own
13.0% rent · 87.0% own
Severe rent burden
20% of renters

Population outlook (Hunt County) Hauer SSP2

Today (2025)
97,090 people
By 2030
100,452 · +3.5%
By 2040
106,544 · +9.7%
By 2050
111,218 · +14.6%
By 2075
121,695 · +25.3%
By 2100
123,683 · +27.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (67%)
Race & ethnicity
White 67% Hispanic / Latino 24% Two or more races 14% Black 3%
Hispanic origin (detail)
Mexican 21% Cuban 2%
Common ancestry
Lithuanian 4% Slovak 1% Italian 1%
Foreign-born
7% · Canada, South Korea
Languages at home
84% English-only · Spanish 13% Korean 1% German/W. Germanic 1%

Political lean MEDSL · Hunt

2024 margin
Solid R (+55.5) · D 21.9% · R 77.4%
2008→2024 swing
-14.9pp toward R · 2008: -40.6pp · 2024: -55.5pp
All cycles
2024: R+55.5 2020: R+52.5 2016: R+56.3 2012: R+51.2 2008: R+40.6

Not yet ingested

Civics

Price history

+10.1% since first listed
7 events — show timeline
  • 2026-05-08 Price Changed $268,700 NTREIS
  • 2026-04-22 Price Changed $268,800 NTREIS
  • 2026-04-01 Listed $268,900 NTREIS
  • 2021-02-02 Pending NTREIS
  • 2021-01-29 Sold (MLS) NTREIS
  • 2020-12-08 Price Changed $246,990 NTREIS
  • 2020-11-11 Listed $243,990 NTREIS

Property tax history

+46.5%/yr

Latest (2025): $7,589 · -2.5% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…