220 Naomi St · Shreveport, LA 71106

$125,000

3 bd · 1.5 ba · 1,037 sqft · SingleFamily public records · 6 Days on market

Built 1972 6,535 sqft lot

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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).

• Cash flow +14.5/30.0
• ARV discount +7.5/15.0
• DSCR +4.4/10.0
• Rent growth +4.4/5.0
• Livability +3.0/5.0
• 1% rule +2.9/10.0
• Condition / age +2.5/5.0
• Schools +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks

This well-maintained home that features beautiful landscaping and offers 3 spacious bedrooms and 2 bathrooms. This home feature Hardwood floors, the kitchen has granite counter tops. The HVAC is less then 2 years old, providing added peace of mind. Enjoy relaxing evenings on the charmin deck—perfect for entertaining or unwinding. Your buyer is sure to fall in love with this inviting property.

Key facts

• Granite counter tops
• Charming deck
• Hardwood floors

Tags

• HARDWOOD FLOORS
• GRANITE COUNTER TOPS
• CHARMING DECK

Property features AI

Finance

• Other: Lot under 0.5 acre (approximately 0.15 acre); Subdivision: ROWLAND PARK
• Financial info: No second mortgage; Loan type: Treat As Clear
• HOA & community: No association

Exterior

• Parking: Attached carport (covered, 1 space); 1 carport space
• Security: Fire alarm; Security lights; Owned security system
• Utilities: City water; City sewer; Electricity connected; Individual gas meter; Individual water meter; Cable available; Concrete
• Home design: Single family residence; Residential property; One story; Not attached to another property
• Construction: Built in 1972; Shingle roof; Slab foundation
• Exterior features: Covered patio/deck; Deck; Front porch

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 3 bedrooms (all on level 1)
• Flooring: Carpet; Ceramic tile; Hardwood
• Bathrooms: 2 bathrooms (1 full, 1 half)
• Heating & cooling: Central heating; Electric heating; Natural gas heating; Central air conditioning; Ceiling fans
• Interior features: Cable TV available; Eat-in kitchen; High-speed internet available; One living area; One dining area; One level home
• Laundry & utility: On-site laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $27 ($320/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 $99k (21.0% below list).
• Recommended offer: $99k (21.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#270 in LA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A; Watch: schools D+, crime F, amenities F.
• Caddo Parish (urban): math 21% / reading 32% proficiency, ranked #53 of 98 in LA (top 54%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+7.5%/yr); 485 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 57% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 221 units permitted in Caddo Parish in 2024 (0 in 5+ unit buildings).
• This rent is only 15% of the median local income ($81k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Caddo County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 69% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $98,735 (21.0% below list)

Questions for the listing agent

1. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.79% ✗
• Cap rate: 6.55%
• Cash-on-cash: 0.91%
• DSCR: 1.04
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $54,961
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
126 N Greenbrook Loop	0.41mi	3/1.5	1,054 (+2%)	5mo	$34,900	$33	74
148 E 80th St	0.29mi	3/1.5	1,095 (+6%)	6mo	$50,000	$46	72
422 W 76th St	0.48mi	3/1.0	1,068 (+3%)	2mo	$27,900	$26	69
8422 Donna Ln	0.35mi	3/1.0	1,014 (-2%)	11mo	$69,900	$69	69
403 E 85th St	0.62mi	3/1.0	1,052 (+1%)	1mo	$85,000	$81	66
8719 Lelia Ln	0.53mi	3/1.0	1,050 (+1%)	8mo	$69,900	$67	64
355 W 75th St	0.48mi	3/1.5	1,085 (+5%)	11mo	$57,900	$53	61
535 Browning St	0.40mi	3/1.0	1,117 (+8%)	8mo	$35,000	$31	59
417 Lynbrook Blvd	0.55mi	3/1.0	1,091 (+5%)	9mo	$110,000	$101	56
533 W 77th St	0.54mi	3/1.0	1,162 (+12%)	4mo	$24,000	$21	49
431 Melrose St	0.31mi	2/1.0 (-1)	1,177 (+14%)	9mo	$40,000	$34	49
443 Janet Ln	0.49mi	2/1.0 (-1)	1,178 (+14%)	12mo	$70,000	$59	38

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 · 7.51% rent growth · sell at horizon

5-year hold

• IRR: -10.5%
• Equity multiple: 0.60×
• Total profit: $-13,928
• Equity at exit: $18,638

10-year hold

• IRR: 3.7%
• Equity multiple: 1.31×
• Total profit: $10,940
• Equity at exit: $10,808

Cash invested: $35,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Louisiana: 90 Strongly Landlord-Friendly · R+12
• County: — inherits STATE
• City: — inherits STATE

5-day notice; no state rent control; civil-law jurisdiction; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 71106

• Rents YoY: 7.5%
• Active inventory: 485
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $987 high
• Mortgage (P&I): −$656
• Tax from tax record: −$46 /mo · $549/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$207
• Net cashflow: $27

Break-even live

Break-even rent $954

Max offer price $125,000

Occupancy floor 92%

Sensitivity live

Price	-10% $97	-5% $62	+0% $27	+5% $-9	+10% $-44
Rent	-10% $-51	-5% $-12	+0% $27	+5% $66	+10% $105
Rate	-1.0pp $90	-0.5pp $58	base $27	+0.5pp $-6	+1.0pp $-39

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
323 W 83rd St Shreveport, LA	3.0	1.0	973	$750	$0.77	44d	1	0.15mi
629 David Dr Shreveport, LA	3.0	1.5	1064	$1,100	$1.03	21d	1	0.53mi
570 Sally Ann Dr Shreveport, LA	3.0	1.0	1082	$825	$0.76	14d	1	0.65mi
702 Bringhurst Dr Shreveport, LA	3.0	1.5	1206	$1,100	$0.91	44d	1	0.66mi
7913 Woodfield Dr Shreveport, LA	3.0	1.0	1067	$1,000	$0.94	44d	1	0.68mi
622 W 75th St Shreveport, LA	2.0	1.0	833	$800	$0.96	21d	1	0.68mi
530 E 81st St Shreveport, LA	3.0	1.0	1298	$800	$0.62	21d	1	0.71mi
629 Woodmont Pl Shreveport, LA	3.0	1.0	1431	$1,295	$0.90	45d	1	0.81mi
8902 Coyth Ln Shreveport, LA	3.0	2.0	1082	$1,200	$1.11	44d	1	0.85mi
223 W 69th St Shreveport, LA	2.0	1.0	990	$750	$0.76	44d	1	0.88mi
7224 Union Ave Shreveport, LA	2.0	1.0	735	$625	$0.85	14d	1	0.94mi
7137 Burlingame Blvd Shreveport, LA	3.0	1.5	1100	$700	$0.64	44d	1	1.00mi
749 W 68th St Shreveport, LA	3.0	1.0	1232	$800	$0.65	44d	1	1.14mi
513 Sassafras Ave Shreveport, LA	3.0	1.0	960	$870	$0.91	21d	1	1.21mi

Listing history 1 events

1. 2026-05-19
   listed $125,000 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 LA · Resets to sale price

• Current annual tax: $549 · $46/mo
• Projected year-2 tax: $688 · $57/mo
• Expected delta: +$138/yr (+$12/mo · 25.2%)

ⓘ 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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥110°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 69% 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: $11,848
• − Mortgage interest: −$7,002
• − Property taxes: −$549
• − Insurance: −$625
• − Repairs & maintenance: −$948
• − Management: −$948
• − Depreciation: −$3,636
• Taxable loss: −$1,860
• Est. tax savings @ 24.0%: +$446
• After-tax cash flow: $766/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: Caddo Parish
• NCES district ID: 2200300
• Math proficiency: 21% ▼ -33.00%
• Reading proficiency: 32% ▼ -30.00%
• Median HH income: $39,227
• Composite: 22.23/100
• National rank: #8148
• State rank: #53 of 98 in LA

Livability — Shreveport

• Score: 59/100
• State rank: #270
• US rank: #19730

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Shreveport, LA
• County: Caddo Parish · 178,536 people
• City population: 164,123
• Metro: Shreveport-Bossier City, LA
• Population (ZIP): 34,117
• Household income: $81,452
• Rent vs Own: 31.7% rent · 68.3% own
• Severe rent burden: 1333.0

Population outlook (Caddo County) Hauer SSP2

• Today (2025): 243,190 people
• By 2030: 237,231 · -2.5%
• By 2040: 222,502 · -8.5%
• By 2050: 206,516 · -15.1%
• By 2075: 165,706 · -31.9%
• By 2100: 122,262 · -49.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 51% Black 39% Hispanic / Latino 5% Two or more races 5%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 3% Slovak 2% Serbian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3% Other Indo-European 0%

Political lean MEDSL · Caddo

• 2024 margin: Toss-up / Even · D 51.6% · R 47.0% · Other 1.4%
• 2008→2024 swing: +1.6pp toward D · 2008: 3.0pp · 2024: 4.6pp
• All cycles: 2024: D+4.6 2020: D+6.8 2016: D+4.2 2012: D+4.9 2008: D+3.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -86.48%
• Current HPI: 124.2416
• Rent YoY: ▲ 7.51%
• Metro: Shreveport-Bossier City, LA
• State GDP YoY: ▲ 3.29%
• F500 in state: 10

Industry mix (Fortune 500 HQ in LA)

Industry	F500 HQs	Revenue
▸Telecommunications	2	$23B
▸Utilities	1	$12B
▸Wholesale / Distribution	1	$5B
▸Advertising	1	$2B

Price history

1 event — show timeline

• 2026-05-19 Listed $125,000 NTREIS

Property tax history

+13.3%/yr

Latest (2025): $549 · +0.4% YoY. Source: county tax records.