14126 Roddy Rd · Gonzales, LA 70737

$139,900

2 bd · 1.0 ba · 1,220 sqft · SingleFamily · 133 Days on market

Built 1975 1.90 ac lot $115/sqft · 39% below area Est $228k · 39% under

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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 +26.2/30.0
• ARV discount +15.0/15.0
• DSCR +8.8/10.0
• 1% rule +6.0/10.0
• Schools +4.7/10.0
• Rent growth +3.3/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great Investment Opportunity on Nearly 2 Acres! 14126 Roddy Rd, Gonzales, LA 70737 Spanish-style 2BR/1BA home located on almost 2 acres in Ascension Parish adjacent to Central Middle School. The property offers approximately 2,500 sq ft under roof, fireplace, enclosed garage, and large covered porches. The home is ready for updates and offers excellent potential for the right buyer. Property has never flooded. Showings by Appointment only, please do not enter property without an appointment. Cash offers only - Sold "As-Is' - Seller will not make any repairs.

Key facts

• Enclosed garage
• Spanish style
• Never flooded

Tags

• SPANISH STYLE
• FIREPLACE
• ENCLOSED GARAGE
• LARGE COVERED PORCHES
• NEVER FLOODED

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $230 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.3% vs local median 4.5% in Gonzales — 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 65/100 on livability (#135 in LA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities F.
• Ascension Parish (suburban): math 48% / reading 58% proficiency, ranked #7 of 98 in LA (top 7%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.3%/yr); 567 active listings in the ZIP; solid renter incomes; 579 units permitted in Ascension Parish in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Ascension County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 133 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 133 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.10% ✓
• Cap rate: 9.34%
• Cash-on-cash: 10.88%
• DSCR: 1.48
• GRM: 7.6

CMA / ARV

• ARV (median comp): $228,086
• List price: $139,900
• Delta: -38.66%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
42085 Shadow Creek Ave	0.39mi	3/2.0 (+1)	1,240 (+2%)	7mo	$227,000	$183	65
14219 Adam Arceneaux Dr	0.46mi	2/2.0	1,295 (+6%)	3mo	$184,900	$143	62
14180 Martin Moran Rd	0.21mi	3/2.0 (+1)	1,315 (+8%)	10mo	$226,000	$172	60
14080 Bert Allen Rd	0.51mi	3/1.0 (+1)	1,157 (-5%)	9mo	$189,000	$163	55
13428 Hilbert Young Rd	0.62mi	3/1.0 (+1)	1,293 (+6%)	1mo	$264,900	$205	55
42031 Shadow Creek Ave	0.37mi	3/2.0 (+1)	1,295 (+6%)	13mo	$214,900	$166	53
42218 Shadow Creek Ave	0.55mi	3/2.0 (+1)	1,276 (+5%)	11mo	$245,000	$192	48
14292 Whispering Oaks Dr	0.52mi	3/2.0 (+1)	1,340 (+10%)	9mo	$240,000	$179	43
14310 Whispering Oaks Dr	0.54mi	3/2.0 (+1)	1,365 (+12%)	5mo	$242,500	$178	42
14346 Whispering Oaks Dr	0.58mi	3/2.0 (+1)	1,353 (+11%)	22mo	$1,650	$1	27

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 · 3.26% rent growth · sell at horizon

5-year hold

• IRR: -5.2%
• Equity multiple: 0.81×
• Total profit: $-7,582
• Equity at exit: $20,860

10-year hold

• IRR: 4.8%
• Equity multiple: 1.36×
• Total profit: $14,075
• Equity at exit: $12,096

Cash invested: $39,172 (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 70737

• Rents YoY: 3.3%
• Active inventory: 567
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,542 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$71 /mo · $852/yr
• Insurance: −$58
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$324
• Net cashflow: $230

Break-even live

Break-even rent $1,251

Max offer price $139,900

Occupancy floor 80%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-18
   days on market $139,900 Active 133 DOM
2. 2026-06-17
   days on market $139,900 Active 132 DOM
3. 2026-06-16
   pricedays on market $139,900 Active 131 DOM
4. 2026-06-15
   days on market $149,900 Active 130 DOM
5. 2026-06-14
   days on market $149,900 Active 128 DOM
6. 2026-06-10
   days on market $149,900 Active 125 DOM
7. 2026-06-09
   days on market $149,900 Active 124 DOM
8. 2026-06-08
   days on market $149,900 Active 123 DOM
9. 2026-06-07
   days on market $149,900 Active 122 DOM
10. 2026-06-05
    days on market $149,900 Active 119 DOM
11. 2026-06-03
    days on market $149,900 Active 118 DOM
12. 2026-06-02
    days on market $149,900 Active 117 DOM
13. 2026-06-01
    days on market $149,900 Active 116 DOM
14. 2026-05-31
    days on market $149,900 Active 115 DOM
15. 2026-05-31
    days on market $149,900 Active 114 DOM
16. 2026-02-06
    listed $149,900 Active 569-char remark

    Show marketing remark (569 chars)

    Great Investment Opportunity on Nearly 2 Acres! 14126 Roddy Rd, Gonzales, LA 70737 Spanish-style 2BR/1BA home located on almost 2 acres in Ascension Parish adjacent to Central Middle School. The property offers approximately 2,500 sq ft under roof, fireplace, enclosed garage, and large covered porches. The home is ready for updates and offers excellent potential for the right buyer. Property has never flooded. Showings by Appointment only, please do not enter property without an appointment. Cash offers only - Sold "As-Is' - Seller will not make any repairs.

17. 2026-02-05
    listed $149,900 Active 569-char remark

    Show marketing remark (569 chars)

    Great Investment Opportunity on Nearly 2 Acres! 14126 Roddy Rd, Gonzales, LA 70737 Spanish-style 2BR/1BA home located on almost 2 acres in Ascension Parish adjacent to Central Middle School. The property offers approximately 2,500 sq ft under roof, fireplace, enclosed garage, and large covered porches. The home is ready for updates and offers excellent potential for the right buyer. Property has never flooded. Showings by Appointment only, please do not enter property without an appointment. Cash offers only - Sold "As-Is' - Seller will not make any repairs.

ⓘ 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: $852 · $71/mo
• Projected year-2 tax: $852 · $71/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 6/10 Major FEMA zone A · 68% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,503
• − Mortgage interest: −$7,837
• − Property taxes: −$852
• − Insurance: −$2,202
• − Repairs & maintenance: −$1,480
• − Management: −$1,480
• − Depreciation: −$4,070
• Taxable income: $582
• Est. tax owed @ 24.0%: −$140
• After-tax cash flow: $2,620/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: Ascension Parish
• NCES district ID: 2200090
• Math proficiency: 48% ▼ -31.00%
• Reading proficiency: 58% ▼ -25.00%
• Median HH income: $68,423
• Composite: 47.0/100
• National rank: #2347
• State rank: #7 of 98 in LA

Livability — Gonzales

• Score: 65/100
• State rank: #135
• US rank: #12429

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Ascension Parish · 98,362 people
• City population: 49,084
• Metro: Baton Rouge, LA
• Population (ZIP): 49,084
• Household income: $82,521
• Rent vs Own: 22.0% rent · 78.0% own
• Severe rent burden: 863.0

Population outlook (Ascension County) Hauer SSP2

• Today (2025): 145,480 people
• By 2030: 158,329 · +8.8%
• By 2040: 183,741 · +26.3%
• By 2050: 207,615 · +42.7%
• By 2075: 260,244 · +78.9%
• By 2100: 289,576 · +99.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 59% Black 26% Hispanic / Latino 10% Two or more races 7%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Lithuanian 15% Serbian 1% Slovak 1%
• Foreign-born: 7% · Canada
• Languages at home: 89% English-only · Spanish 9% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Ascension

• 2024 margin: Solid R (+34.0) · D 32.2% · R 66.1% · Other 1.7%
• 2008→2024 swing: +1.7pp toward D · 2008: -35.7pp · 2024: -34.0pp
• All cycles: 2024: R+34.0 2020: R+32.5 2016: R+36.0 2012: R+34.3 2008: R+35.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -89.49%
• Current HPI: 145.3384
• Rent YoY: ▲ 3.26%
• Metro: Baton Rouge, 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

+0.0% since first listed

2 events — show timeline

• 2026-02-06 Listed $149,900 GBRMLS
• 2026-02-05 Listed $149,900 AcadianaMLS

Property tax history

+1.4%/yr

Latest (2025): $852 · -1.8% YoY. Source: county tax records.