10315 US Hwy 69 N · Hudson, TX 75969

$189,900

3 bd · 1.0 ba · 1,144 sqft · SingleFamily public records · 83 Days on market

Built 2010 0.93 ac lot $166/sqft · 10% below area Est $331k · 43% under ↓ 10% since listing

---

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).

• Cash flow +16.4/30.0
• ARV discount +15.0/15.0
• DSCR +5.1/10.0
• Appreciation +4.9/10.0
• 1% rule +3.7/10.0
• Schools +3.7/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

HUGE PRICE IMPROVEMENT!!! Don't miss out on this rare opportunity to live in the Central ISD school district. Amazing mobile home with not one but two decks with a fenced in yard. the home offers a spectacular kitchen with a split floor plan and oversized utility room. Bring your buyers so they can see what all this property has to offer.

Key facts

• Split floor plan
• Two decks
• Fenced in yard

Tags

• TWO DECKS
• FENCED IN YARD
• SPLIT FLOOR PLAN
• OVERSIZED UTILITY ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $106 ($1k/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 $165k (13.1% below list).
• Recommended offer: $165k (13.1% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 3.0% in Hudson — 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 (#791 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Central ISD (rural): math 41% / reading 45% proficiency, ranked #294 of 826 in TX (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 31 active listings in the ZIP; 120 units permitted in Angelina County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $841 of equity ($1k loan paydown + $-472 appreciation (-0.2% local appreciation)).

Negotiation context

• It's been on market 83 days — a 6% lower offer ($179k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $164,967 (13.1% below list)

Questions for the listing agent

1. It's been on market 83 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 0.87% ✗
• Cap rate: 6.96%
• Cash-on-cash: 2.40%
• DSCR: 1.11
• GRM: 9.6

CMA / ARV

• ARV (median comp): $331,314
• List price: $189,900
• Delta: -42.68%
• Verdict: UNDERPRICED
• Comps: 2 within 2.0 mi

Projected returns pro-forma

-0.25% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -0.4%
• Equity multiple: 0.98×
• Total profit: $-1,045
• Equity at exit: $52,795

10-year hold

• IRR: 5.4%
• Equity multiple: 1.57×
• Total profit: $30,059
• Equity at exit: $61,619

Cash invested: $53,172 (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 75969

• Home prices YoY: -0.1%
• Active inventory: 31
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,650 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$122 /mo · $1,465/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$346
• Net cashflow: $106

Break-even live

Break-even rent $1,515

Max offer price $189,900

Occupancy floor 89%

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-19
   days on market $189,900 Active 83 DOM
2. 2026-06-18
   days on market $189,900 Active 82 DOM
3. 2026-06-17
   days on market $189,900 Active 81 DOM
4. 2026-06-16
   days on market $189,900 Active 80 DOM
5. 2026-06-15
   days on market $189,900 Active 79 DOM
6. 2026-06-14
   days on market $189,900 Active 77 DOM
7. 2026-06-13
   days on market $189,900 Active 76 DOM
8. 2026-06-10
   days on market $189,900 Active 74 DOM
9. 2026-06-09
   days on market $189,900 Active 73 DOM
10. 2026-06-08
    days on market $189,900 Active 72 DOM
11. 2026-06-07
    days on market $189,900 Active 71 DOM
12. 2026-06-05
    days on market $189,900 Active 68 DOM
13. 2026-06-03
    days on market $189,900 Active 67 DOM
14. 2026-06-02
    days on market $189,900 Active 66 DOM
15. 2026-06-01
    days on market $189,900 Active 65 DOM
16. 2026-05-31
    days on market $189,900 Active 64 DOM
17. 2026-05-30
    days on market $189,900 Active 63 DOM
18. 2026-04-14
    price $189,900 340-char remark

    Show marketing remark (340 chars)

    HUGE PRICE IMPROVEMENT!!! Don't miss out on this rare opportunity to live in the Central ISD school district. Amazing mobile home with not one but two decks with a fenced in yard. the home offers a spectacular kitchen with a split floor plan and oversized utility room. Bring your buyers so they can see what all this property has to offer.

19. 2026-03-26
    listed $209,900 Active 340-char remark

    Show marketing remark (340 chars)

    HUGE PRICE IMPROVEMENT!!! Don't miss out on this rare opportunity to live in the Central ISD school district. Amazing mobile home with not one but two decks with a fenced in yard. the home offers a spectacular kitchen with a split floor plan and oversized utility room. Bring your buyers so they can see what all this property has to offer.

20. 2014-06-23
    soldstatus
21. 2013-10-03
    soldstatus
22. 2003-03-21
    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: $1,465 · $122/mo
• Projected year-2 tax: $3,475 · $290/mo
• Expected delta: +$2,010/yr (+$167/mo · 137.2%)

ⓘ 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 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 26 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,796
• − Mortgage interest: −$10,637
• − Property taxes: −$1,465
• − Insurance: −$950
• − Repairs & maintenance: −$1,584
• − Management: −$1,584
• − Depreciation: −$5,524
• Taxable loss: −$1,948
• Est. tax savings @ 24.0%: +$467
• After-tax cash flow: $1,741/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: Central ISD
• NCES district ID: 4813500
• Math proficiency: 41% ▼ -11.00%
• Reading proficiency: 45% ▼ -2.00%
• Median HH income: $52,994
• Composite: 37.26/100
• National rank: #4458
• State rank: #294 of 826 in TX

Livability — Hudson

• Score: 64/100
• State rank: #791
• US rank: #14441

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,606

Population outlook (Angelina County) Hauer SSP2

• Today (2025): 90,174 people
• By 2030: 90,697 · +0.6%
• By 2040: 91,291 · +1.2%
• By 2050: 91,168 · +1.1%
• By 2075: 88,961 · -1.3%
• By 2100: 80,590 · -10.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Hispanic / Latino 11% Black 5% Two or more races 5%
• Hispanic origin (detail): Mexican 11%
• Common ancestry: Lithuanian 1% Slovak 1% Serbian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Angelina

• 2024 margin: Solid R (+52.0) · D 23.7% · R 75.7%
• 2008→2024 swing: -17.0pp toward R · 2008: -35.0pp · 2024: -52.0pp
• All cycles: 2024: R+52.0 2020: R+46.1 2016: R+47.3 2012: R+43.9 2008: R+35.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.25%
• Current HPI: 235.2344
• 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

-9.5% since first listed

5 events — show timeline

• 2026-04-14 Price Changed $189,900 Deep East Texas MLS
• 2026-03-26 Listed $209,900 Deep East Texas MLS
• 2014-06-23 Sold (Public Records) — Public Records
• 2013-10-03 Sold (Public Records) — Public Records
• 2003-03-21 Sold (Public Records) — Public Records

Property tax history

+1.1%/yr

Latest (2025): $1,465 · +1.0% YoY. Source: county tax records.