5230 Gober Rd · Beaumont, TX
Flood risk 1/10 · Minimal
- FEMA flood zone
- X
- Chance of flooding over 30 yrs
- 0.0%
- 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 110°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 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
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B- 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 +30.0/30.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- ARV discount +7.5/15.0
- Livability +3.2/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.5/10.0
- Appreciation +0.0/10.0
$55,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Investment Opportunity
Key facts
- 8,276 sq ft lot
- 2 parking spots
- Listed 6 days
Property features AI
Finance
- Financial info: Annual property tax approximately $3,015.01
Exterior
- Parking: Attached carport with 2 spaces
- Home design: Single-family residential home
- Exterior features: Lot approximately 0.19 acres; Located in the Paddington Pl. subdivision; Directions: N on 287/69, Exit Dowlen and turn right on Dowlen, Right on Concord, Left on Gober, Home is on the right
Interior
- Bathrooms: 2 full bathrooms
- Interior features: One-story layout
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $55k.
Deal economics
- At list price, monthly cash flow is $797 ($10k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $55k).
- Cap rate 23.7% vs local median 5.3% in Beaumont — 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 64/100 on livability (#739 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, schools D-, crime F.
- Beaumont ISD (urban): math 14% / reading 22% proficiency, ranked #789 of 826 in TX (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: 70 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 343 units permitted in Jefferson County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $380 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
- At projected returns (-3.0% appreciation + 3.0% rent growth), your $15k cash investment doubles in ~2 years — after that, you're playing with house money.
Negotiation context
- Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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
- 2.71% ✓
- Cap rate
- 23.68%
- Cash-on-cash
- 62.11%
- DSCR
- 3.76
- GRM
- 3.1
CMA / ARV
- ARV (on-the-fly)
- $282,528
- Comps found
- 4
Show comp detail 4 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 5095 Gober Rd | 0.09mi | 4/2.0 (+1) | 1,600 (-8%) | 4mo | $84,999 | $53 | 74 |
| 3730 Bowen Dr | 0.66mi | 3/2.0 | 1,582 (-9%) | 11mo | $149,999 | $95 | 45 |
| 3730 Nathan St | 0.69mi | 3/2.0 | 1,514 (-13%) | 5mo | $245,000 | $162 | 42 |
| 3790 Nathan St | 0.64mi | 3/2.0 | 1,514 (-13%) | 18mo | $278,000 | $184 | 33 |
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
- IRR
- 61.0%
- Equity multiple
- 3.72×
- Total profit
- $41,873
- Equity at exit
- $8,201
- IRR
- 65.7%
- Equity multiple
- 7.62×
- Total profit
- $101,919
- Equity at exit
- $4,755
Cash invested: $15,400 (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 77708
- Active inventory
- 70
- Price-to-rent
- 3.1×
Monthly cashflow live
- Estimated rent
- $1,490 high interval (Pro) →
- Mortgage (P&I)
- −$288
- Tax est. 1.5%
- −$69 /mo · $825/yr
- Insurance
- −$23
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$313
- Net cashflow
- $797
Break-even live
Sensitivity live
| Price | -10% $835 | -5% $816 | +0% $797 | +5% $778 | +10% $759 |
|---|---|---|---|---|---|
| Rent | -10% $679 | -5% $738 | +0% $797 | +5% $856 | +10% $915 |
| Rate | -1.0pp $825 | -0.5pp $811 | base $797 | +0.5pp $783 | +1.0pp $768 |
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
- $13,750
- Closing costs
- $1,650
- 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 14 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5680 Shivers Dr Beaumont, TX | 3.0 | 1.0 | 1442 | $1,500 | $1.04 | 24d | 1 | 0.28mi |
| 5340 Bettes Ln Beaumont, TX | 3.0 | 1.5 | 1496 | $1,575 | $1.05 | 44d | 1 | 0.44mi |
| 4695 Collier St #8 Beaumont, TX | 2.0 | 1.5 | 1121 | $1,150 | $1.03 | 44d | 1 | 0.70mi |
| 3995 Crow Rd Unit 201 Beaumont, TX | 2.0 | 2.0 | 1162 | $1,550 | $1.33 | 44d | 1 | 0.79mi |
| 3910 Treadway Rd Beaumont, TX | 2.0–3.0 | 1.0–1.5 | 1019 | $1,849 | $1.81 | 14d | 10 | 0.81mi |
| 3925 Crow Rd Unit 49 Beaumont, TX | 2.0 | 1.5 | 1306 | $1,325 | $1.01 | 44d | 1 | 0.84mi |
| 3910 Baldwin St Beaumont, TX | 3.0 | 1.0 | 1220 | $1,200 | $0.98 | 24d | 1 | 0.86mi |
| 5356 Old Dowlen Rd Beaumont, TX | 2.0 | 2.0 | 1112 | $1,350 | $1.21 | 44d | 1 | 1.00mi |
| 3255 Charles St Beaumont, TX | 3.0 | 1.0 | 1396 | $1,350 | $0.97 | 44d | 1 | 1.09mi |
| 6970 Ellen Ln Beaumont, TX | 3.0 | 2.5 | 1867 | $2,500 | $1.34 | 14d | 1 | 1.28mi |
| 3155 French Rd Beaumont, TX | 1.0–3.0 | 1.0–2.0 | 905 | $999 | $1.10 | 14d | 9 | 1.29mi |
| 4325 Woodlawn St Beaumont, TX | 2.0 | 1.0 | 1150 | $1,000 | $0.87 | 14d | 1 | 1.32mi |
| 3270 Christopher St Beaumont, TX | 4.0 | 2.0 | 1208 | $1,290 | $1.07 | 44d | 1 | 1.40mi |
| 2995 Wier Dr Beaumont, TX | 3.0 | 2.0 | 1446 | $1,800 | $1.24 | 14d | 1 | 1.42mi |
Listing history 2 events
-
2026-04-29status Pending
-
2026-04-23$55,000 Active
ⓘ 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 · 0% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 9/10 Extreme 7 d/yr ≥110°F today · 23 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $17,880
- − Mortgage interest
- −$3,081
- − Property taxes
- −$825
- − Insurance
- −$275
- − Repairs & maintenance
- −$1,430
- − Management
- −$1,430
- − Depreciation
- −$1,600
- Taxable income
- $9,239
- Est. tax owed @ 24.0%
- −$2,217
- After-tax cash flow
- $7,347/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
- Beaumont ISD
- NCES district ID
- 4809670
- Math proficiency
- 14% ▼ -13.00%
- Reading proficiency
- 22% ▼ -7.00%
- Median HH income
- $41,683
- Composite
- 15.43/100
- National rank
- #9316
- State rank
- #789 of 826 in TX
Livability — Beaumont
- Score
- 64/100
- State rank
- #739
- US rank
- #13710
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Beaumont, TX
- City population
- 125,901
- Population (ZIP)
- 12,398
Population outlook (Jefferson County) Hauer SSP2
- Today (2025)
- 259,015 people
- By 2030
- 260,685 · +0.6%
- By 2040
- 263,309 · +1.7%
- By 2050
- 265,237 · +2.4%
- By 2075
- 270,193 · +4.3%
- By 2100
- 255,628 · -1.3%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Majority Black (65%)
- Race & ethnicity
- Black 65% White 23% Hispanic / Latino 9% Two or more races 6% Asian 2%
- Hispanic origin (detail)
- Mexican 8%
- Common ancestry
- Lithuanian 1% Serbian 1% Slovak 1%
- Foreign-born
- 5% · Canada, Vietnam
- Languages at home
- 92% English-only · Spanish 6% Tagalog/Filipino 1% Vietnamese 1%
Political lean MEDSL · Jefferson
- 2024 margin
- Lean R (+8.9) · D 45.1% · R 54.0%
- 2008→2024 swing
- -11.1pp toward R · 2008: 2.2pp · 2024: -8.9pp
- All cycles
- 2024: R+8.9 2020: R+1.6 2016: R+0.5 2012: D+1.6 2008: D+2.2
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -107.07%
- Current HPI
- 171.4951
- Rent YoY
- —
- Metro
- —
- 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 |
|
||
| Healthcare | 2 | $330B |
|
||
Price history
2 events — show timeline
- 2026-04-29 Pending — BBOR
- 2026-04-23 Listed $55,000 BBOR
Property tax history
+2.4%/yrLatest (2025): $2,768 · +9.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…