319 E Hubbard St · Lindale, TX 75771

$230,000

3 bd · 1.5 ba · 1,800 sqft · SingleFamily public records · 82 Days on market

Built 1955 0.37 ac lot $128/sqft · 19% below area Est $283k · 19% under ↓ 2% since listing

---

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 +15.0/15.0
• Cash flow +8.1/30.0
• Schools +5.9/10.0
• Livability +4.0/5.0
• 1% rule +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this beautifully renovated property located in the highly sought-after Lindale Independent School District. This charming 3-bedroom, 2-bath home offers the perfect blend of modern updates and classic character. Inside, you’ll find stunning refinished hardwood floors, along with a spacious and functional layout designed for comfortable living. The home features a versatile extra living area that can easily serve as a second living room, home office, playroom, or flex space to fit your needs. Recent improvements include a brand-new roof, giving buyers peace of mind for years to come. Situated on a large corner lot, the property offers plenty of outdoor space for entertaining, gardening, or simply enjoying the yard. The backyard also includes a storage shed, providing additional space for tools, equipment, or hobbies. A 2-car carport adds convenient covered parking and easy access to the home. Located in a desirable neighborhood within Lindale ISD, this move-in-ready home combines location, updates, and space—making it a must-see for anyone looking to settle in one of East Texas’ most popular school districts.

Key facts

• Extra living area
• Renovated property
• Large corner lot

Tags

• RENOVATED PROPERTY
• REFINISHED HARDWOOD FLOORS
• EXTRA LIVING AREA
• NEW ROOF
• LARGE CORNER LOT
• STORAGE SHED

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $-229 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $190k (17.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (23.5% below list).
• Recommended offer: $176k (23.5% below list) — sets the bar for 1% rule.
• Cap rate 5.1% vs local median 3.1% in Lindale — 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 79/100 on livability (#52 in TX, #2,100 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Lindale ISD (town): math 71% / reading 66% proficiency, ranked #20 of 826 in TX (top 2%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Velma Penny El (math 67% / reading 67%, grade B+, #199 of 4,322 statewide, top 5%, 541 students, 48% FRL); E J Moss Int (math 66% / reading 59%, grade B+, #128 of 1,662 statewide, top 8%, 981 students, 45% FRL); Lindale H S (math 79% / reading 75%, grade A-, #60 of 1,632 statewide, top 4%, 1,265 students, 38% FRL).
• Market conditions: 640 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 595 units permitted in Smith County in 2024 (45 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 $7k of value loss. Plan a longer hold.
• Smith County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 82 days — a 6% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts; this cycle's ask has dropped $29k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 58% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $176,042 (23.5% 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 82 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
3. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.77% ✗
• Cap rate: 5.10%
• Cash-on-cash: -4.27%
• DSCR: 0.81
• GRM: 10.9

CMA / ARV

• ARV (median comp): $283,092
• List price: $230,000
• Delta: -18.75%
• 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
202 N Henry St	0.31mi	3/2.0	1,949 (+8%)	12mo	$229,900	$118	60
706 Sweetgum Ln	0.38mi	3/2.0	1,938 (+8%)	15mo	$339,900	$175	55
618 William Dr	0.29mi	3/2.0	1,602 (-11%)	15mo	$299,900	$187	53
604 Pierce St	0.40mi	3/2.0	1,640 (-9%)	15mo	$249,900	$152	52
619 Jack Dr	0.27mi	3/2.0	1,542 (-14%)	13mo	$279,000	$181	50
314 Mt. Sylvan	0.55mi	4/3.0 (+1)	1,715 (-5%)	6mo	$199,000	$116	50
6060 Freedom Dr	0.20mi	4/3.0 (+1)	2,034 (+13%)	10mo	$278,990	$137	50
408 Wendy St	0.51mi	4/3.0 (+1)	1,921 (+7%)	6mo	$219,999	$115	49
600 Pierce St	0.39mi	3/2.0	1,602 (-11%)	15mo	$254,900	$159	49
17335 County Road 4108	0.49mi	3/2.0	1,550 (-14%)	6mo	$289,900	$187	48
413 Mallory St	0.58mi	3/2.0	1,671 (-7%)	15mo	$249,900	$150	46
532 Circle Dr	0.70mi	3/1.0	1,540 (-14%)	20mo	$232,500	$151	24

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: -23.5%
• Equity multiple: 0.20×
• Total profit: $-51,817
• Equity at exit: $34,294

10-year hold

• IRR: -18.2%
• Equity multiple: 0.01×
• Total profit: $-63,728
• Equity at exit: $19,886

Cash invested: $64,400 (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.

Methodology + full state rankings →

ZIP-level market 75771

• Home prices YoY: -30.6%
• Active inventory: 640
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $1,760 high
• Mortgage (P&I): −$1,206
• Tax from tax record: −$318 /mo · $3,814/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$370
• Net cashflow: $-229

Break-even live

Break-even rent $2,050

Max offer price $189,526

Occupancy floor —

Sensitivity live

Price	-10% $-99	-5% $-164	+0% $-229	+5% $-294	+10% $-359
Rent	-10% $-368	-5% $-299	+0% $-229	+5% $-160	+10% $-90
Rate	-1.0pp $-113	-0.5pp $-171	base $-229	+0.5pp $-289	+1.0pp $-349

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: $57,500
• Closing costs: $6,900
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
400 Baker St Lindale, TX	3.0	2.0	1660	$1,875	$1.13	23d	1	0.24mi
527 N College St Lindale, TX	2.0	1.5	1267	$1,300	$1.03	46d	1	0.50mi
527 N College St Unit 13 Lindale, TX	2.0	1.5	1267	$1,395	$1.10	23d	1	0.50mi
1111 E Park Lindale, TX	4.0	2.0	1800	$2,175	$1.21	15d	1	0.87mi
414 Asher Lindale, TX	4.0	2.0	1876	$2,250	$1.20	23d	1	0.93mi

Listing history 32 events

1. 2026-05-31
   status $230,000 Pending 82 DOM
2. 2026-05-30
   days on market $230,000 Active Option Contract 82 DOM
3. 2026-05-05
   price $230,000 1158-char remark

   Show marketing remark (1158 chars)

   Welcome home to this beautifully renovated property located in the highly sought-after Lindale Independent School District. This charming 3-bedroom, 2-bath home offers the perfect blend of modern updates and classic character. Inside, you’ll find stunning refinished hardwood floors, along with a spacious and functional layout designed for comfortable living. The home features a versatile extra living area that can easily serve as a second living room, home office, playroom, or flex space to fit your needs. Recent improvements include a brand-new roof, giving buyers peace of mind for years to come. Situated on a large corner lot, the property offers plenty of outdoor space for entertaining, gardening, or simply enjoying the yard. The backyard also includes a storage shed, providing additional space for tools, equipment, or hobbies. A 2-car carport adds convenient covered parking and easy access to the home. Located in a desirable neighborhood within Lindale ISD, this move-in-ready home combines location, updates, and space—making it a must-see for anyone looking to settle in one of East Texas’ most popular school districts.

4. 2026-04-21
   price $230,000 1158-char remark

   Show marketing remark (1158 chars)

   Welcome home to this beautifully renovated property located in the highly sought-after Lindale Independent School District. This charming 3-bedroom, 2-bath home offers the perfect blend of modern updates and classic character. Inside, you’ll find stunning refinished hardwood floors, along with a spacious and functional layout designed for comfortable living. The home features a versatile extra living area that can easily serve as a second living room, home office, playroom, or flex space to fit your needs. Recent improvements include a brand-new roof, giving buyers peace of mind for years to come. Situated on a large corner lot, the property offers plenty of outdoor space for entertaining, gardening, or simply enjoying the yard. The backyard also includes a storage shed, providing additional space for tools, equipment, or hobbies. A 2-car carport adds convenient covered parking and easy access to the home. Located in a desirable neighborhood within Lindale ISD, this move-in-ready home combines location, updates, and space—making it a must-see for anyone looking to settle in one of East Texas’ most popular school districts.

5. 2026-04-11
   price $245,000 1158-char remark

   Show marketing remark (1158 chars)

   Welcome home to this beautifully renovated property located in the highly sought-after Lindale Independent School District. This charming 3-bedroom, 2-bath home offers the perfect blend of modern updates and classic character. Inside, you’ll find stunning refinished hardwood floors, along with a spacious and functional layout designed for comfortable living. The home features a versatile extra living area that can easily serve as a second living room, home office, playroom, or flex space to fit your needs. Recent improvements include a brand-new roof, giving buyers peace of mind for years to come. Situated on a large corner lot, the property offers plenty of outdoor space for entertaining, gardening, or simply enjoying the yard. The backyard also includes a storage shed, providing additional space for tools, equipment, or hobbies. A 2-car carport adds convenient covered parking and easy access to the home. Located in a desirable neighborhood within Lindale ISD, this move-in-ready home combines location, updates, and space—making it a must-see for anyone looking to settle in one of East Texas’ most popular school districts.

6. 2026-04-10
   price $245,000 1158-char remark

   Show marketing remark (1158 chars)

   Welcome home to this beautifully renovated property located in the highly sought-after Lindale Independent School District. This charming 3-bedroom, 2-bath home offers the perfect blend of modern updates and classic character. Inside, you’ll find stunning refinished hardwood floors, along with a spacious and functional layout designed for comfortable living. The home features a versatile extra living area that can easily serve as a second living room, home office, playroom, or flex space to fit your needs. Recent improvements include a brand-new roof, giving buyers peace of mind for years to come. Situated on a large corner lot, the property offers plenty of outdoor space for entertaining, gardening, or simply enjoying the yard. The backyard also includes a storage shed, providing additional space for tools, equipment, or hobbies. A 2-car carport adds convenient covered parking and easy access to the home. Located in a desirable neighborhood within Lindale ISD, this move-in-ready home combines location, updates, and space—making it a must-see for anyone looking to settle in one of East Texas’ most popular school districts.

7. 2026-03-09
   listed $259,000 Active 1158-char remark

   Show marketing remark (1158 chars)

   Welcome home to this beautifully renovated property located in the highly sought-after Lindale Independent School District. This charming 3-bedroom, 2-bath home offers the perfect blend of modern updates and classic character. Inside, you’ll find stunning refinished hardwood floors, along with a spacious and functional layout designed for comfortable living. The home features a versatile extra living area that can easily serve as a second living room, home office, playroom, or flex space to fit your needs. Recent improvements include a brand-new roof, giving buyers peace of mind for years to come. Situated on a large corner lot, the property offers plenty of outdoor space for entertaining, gardening, or simply enjoying the yard. The backyard also includes a storage shed, providing additional space for tools, equipment, or hobbies. A 2-car carport adds convenient covered parking and easy access to the home. Located in a desirable neighborhood within Lindale ISD, this move-in-ready home combines location, updates, and space—making it a must-see for anyone looking to settle in one of East Texas’ most popular school districts.

8. 2026-03-09
   listed $259,000 Active 1158-char remark

   Show marketing remark (1158 chars)

   Welcome home to this beautifully renovated property located in the highly sought-after Lindale Independent School District. This charming 3-bedroom, 2-bath home offers the perfect blend of modern updates and classic character. Inside, you’ll find stunning refinished hardwood floors, along with a spacious and functional layout designed for comfortable living. The home features a versatile extra living area that can easily serve as a second living room, home office, playroom, or flex space to fit your needs. Recent improvements include a brand-new roof, giving buyers peace of mind for years to come. Situated on a large corner lot, the property offers plenty of outdoor space for entertaining, gardening, or simply enjoying the yard. The backyard also includes a storage shed, providing additional space for tools, equipment, or hobbies. A 2-car carport adds convenient covered parking and easy access to the home. Located in a desirable neighborhood within Lindale ISD, this move-in-ready home combines location, updates, and space—making it a must-see for anyone looking to settle in one of East Texas’ most popular school districts.

9. 2025-08-21
   historical $1,750
10. 2025-08-05
    soldstatus
11. 2025-08-01
    soldstatus Closed
12. 2025-08-01
    soldstatus Closed
13. 2025-08-01
    soldstatus Closed
14. 2025-07-15
    status Pending
15. 2025-07-15
    status Pending
16. 2025-07-13
    listed $1,750
17. 2025-07-12
    historical $1,750
18. 2025-07-07
    status Pending
19. 2025-07-07
    historical Active Option Contract
20. 2025-07-04
    price $1,750
21. 2025-07-01
    price $208,000
22. 2025-06-30
    price $208,000
23. 2025-06-30
    price $208,000
24. 2025-06-27
    price $1,775
25. 2025-06-20
    listed $1,795
26. 2025-06-19
    historical $1,795
27. 2025-05-10
    listed $1,795
28. 2025-05-09
    listed $234,900 Active
29. 2025-05-09
    listed $234,900 Active
30. 2025-04-02
    listed $234,900 Active
31. 2021-08-19
    soldstatus
32. 2010-04-05
    soldstatus

ⓘ 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: $3,814 · $318/mo
• Projected year-2 tax: $4,209 · $351/mo
• Expected delta: +$395/yr (+$33/mo · 10.3%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 24 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 58% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,125
• − Mortgage interest: −$12,884
• − Property taxes: −$3,814
• − Insurance: −$1,150
• − Repairs & maintenance: −$1,690
• − Management: −$1,690
• − Depreciation: −$6,691
• Taxable loss: −$6,794
• Est. tax savings @ 24.0%: +$1,631
• After-tax cash flow: $-1,119/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: Lindale ISD
• NCES district ID: 4827510
• Math proficiency: 71% ▼ -2.00%
• Reading proficiency: 66% ▲ 4.00%
• Median HH income: $57,325
• Composite: 58.85/100
• National rank: #974
• State rank: #20 of 826 in TX

Livability — Lindale

• Score: 79/100
• State rank: #52
• US rank: #2100

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lindale, TX
• County: Smith County · 180,570 people
• City population: 21,238
• Metro: Tyler, TX
• Population (ZIP): 21,238
• Household income: $93,462
• Rent vs Own: 21.7% rent · 78.3% own
• Severe rent burden: 166.0

Population outlook (Smith County) Hauer SSP2

• Today (2025): 248,890 people
• By 2030: 261,665 · +5.1%
• By 2040: 286,114 · +15.0%
• By 2050: 308,006 · +23.8%
• By 2075: 354,171 · +42.3%
• By 2100: 372,828 · +49.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Hispanic / Latino 9% Two or more races 6% Black 5% Asian 2%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Slovak 3% Serbian 2% Lithuanian 1%
• Foreign-born: 5% · Canada, China
• Languages at home: 93% English-only · Spanish 6%

Political lean MEDSL · Smith

• 2024 margin: Solid R (+45.1) · D 27.0% · R 72.1%
• 2008→2024 swing: -5.6pp toward R · 2008: -39.5pp · 2024: -45.1pp
• All cycles: 2024: R+45.1 2020: R+39.4 2016: R+43.9 2012: R+46.9 2008: R+39.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.40%
• Current HPI: 200.187
• Rent YoY: —
• Metro: Tyler, 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
▸Healthcare	2	$330B

Price history

-2.1% since first listed

30 events — show timeline

• 2026-05-05 Price Changed $230,000 NTREIS
• 2026-04-21 Price Changed $230,000 GTAR
• 2026-04-11 Price Changed $245,000 NTREIS
• 2026-04-10 Price Changed $245,000 GTAR
• 2026-03-09 Listed $259,000 GTAR
• 2026-03-09 Listed $259,000 NTREIS
• 2025-08-21 Rental Removed $1,750 APPFOLIO
• 2025-08-05 Sold (Public Records) — Public Records
• 2025-08-01 Sold (MLS) — LAAR
• 2025-08-01 Sold (MLS) — GTAR
• 2025-08-01 Sold (MLS) — NTREIS
• 2025-07-15 Pending — LAAR
• 2025-07-15 Pending — NTREIS
• 2025-07-13 Listed for Rent $1,750 APPFOLIO
• 2025-07-12 Rental Removed $1,750 RENTLY
• 2025-07-07 Pending — GTAR
• 2025-07-07 Contingent — NTREIS
• 2025-07-04 Price Changed $1,750 RENTLY
• 2025-07-01 Price Changed $208,000 NTREIS
• 2025-06-30 Price Changed $208,000 GTAR
• 2025-06-30 Price Changed $208,000 LAAR
• 2025-06-27 Price Changed $1,775 RENTLY
• 2025-06-20 Listed for Rent $1,795 RENTLY
• 2025-06-19 Rental Removed $1,795 APPFOLIO
• 2025-05-10 Listed for Rent $1,795 APPFOLIO
• 2025-05-09 Listed $234,900 LAAR
• 2025-05-09 Listed $234,900 NTREIS
• 2025-04-02 Listed $234,900 GTAR
• 2021-08-19 Sold (Public Records) — Public Records
• 2010-04-05 Sold (Public Records) — Public Records

Property tax history

+4.9%/yr

Latest (2024): $3,814 · +21.6% YoY. Source: county tax records.