1104 Huron Ave · Lubbock, TX 79416

$125,750

4 bd · 3.0 ba · 1,665 sqft · SingleFamily public records · 52 Days on market

Built 1981 6,900 sqft lot $76/sqft · 30% below area Est $179k · 30% 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 +25.5/30.0
• ARV discount +15.0/15.0
• DSCR +8.5/10.0
• 1% rule +8.2/10.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

4bedoom, 3 bath home with large backyard and fireplace

Key facts

• 6,900 sq ft lot
• Built 1981
• Listed 52 days

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $126k.

Deal economics

• At list price, monthly cash flow is $294 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $126k).
• Recommended offer: $122k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 80/100 on livability (#37 in TX, #1,749 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, crime F.
• Frenship ISD (urban): math 47% / reading 54% proficiency, ranked #162 of 826 in TX (top 20%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: North Ridge El (math 44% / reading 47%, grade D-, #1,112 of 4,322 statewide, top 26%, 738 students, 63% FRL); Terra Vista Middle (math 37% / reading 44%, grade F, #637 of 1,662 statewide, top 39%, 891 students, 66% FRL); Frenship H S (math 44% / reading 65%, grade C-, #379 of 1,632 statewide, top 26%, 3,247 students, 46% FRL) — zoned schools average 58% FRL vs 36% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.2%/yr); 464 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 2,219 units permitted in Lubbock County in 2024 (252 in 5+ unit buildings).
• This rent runs 31% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $870 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Lubbock County population projected at +39% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 13y ago; 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: property tax is 2.9% of price.
• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $121,977 (3.0% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.32% ✓
• Cap rate: 9.10%
• Cash-on-cash: 10.01%
• DSCR: 1.45
• GRM: 6.3

CMA / ARV

• ARV (median comp): $179,311
• List price: $125,750
• Delta: -29.87%
• Verdict: UNDERPRICED
• Comps: 4 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6116 10th St	0.23mi	3/2.0 (-1)	1,632 (-2%)	14mo	$195,000	$119	65

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 · 2.21% rent growth · sell at horizon

5-year hold

• IRR: -2.2%
• Equity multiple: 0.92×
• Total profit: $-2,859
• Equity at exit: $18,750

10-year hold

• IRR: 6.6%
• Equity multiple: 1.48×
• Total profit: $16,791
• Equity at exit: $10,873

Cash invested: $35,210 (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 79416

• Home prices YoY: -20.0%
• Rents YoY: 2.2%
• Active inventory: 464
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,655 high
• Mortgage (P&I): −$659
• Tax from tax record: −$302 /mo · $3,626/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$348
• Net cashflow: $294

Break-even live

Break-even rent $1,284

Max offer price $125,750

Occupancy floor 77%

Sensitivity live

Price	-10% $365	-5% $329	+0% $294	+5% $258	+10% $223
Rent	-10% $163	-5% $228	+0% $294	+5% $359	+10% $425
Rate	-1.0pp $357	-0.5pp $326	base $294	+0.5pp $261	+1.0pp $228

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: $31,438
• Closing costs: $3,772
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6111 10th Dr Lubbock, TX	4.0	2.0	1917	$1,649	$0.86	22d	1	0.25mi
6106 17th St Lubbock, TX	3.0	2.0	1589	$1,400	$0.88	45d	1	0.30mi
6101 7th St Lubbock, TX	3.0	2.0	1239	$1,375	$1.11	15d	1	0.31mi
6112 7th Dr Lubbock, TX	3.0	2.0	1224	$1,350	$1.10	45d	1	0.39mi
6112 7th Dr Lubbock, TX	3.0	2.0	1224	$1,375	$1.12	22d	1	0.39mi
5839 7th St Unit D Lubbock, TX	3.0	2.0	1159	$1,050	$0.91	45d	1	0.41mi
5863 6th St Lubbock, TX	3.0	2.0	1116	$1,325	$1.19	22d	1	0.42mi
5846 7th St Lubbock, TX	3.0	2.0	1159	$1,145	$0.99	22d	1	0.42mi
5833 7th St Lubbock, TX	3.0	2.0	1159	$1,125	$0.97	22d	1	0.43mi
1106 Kline Ave Lubbock, TX	3.0	2.0	1272	$1,350	$1.06	22d	1	0.44mi
5834 7th St Lubbock, TX	3.0	2.0	1200	$1,125	$0.94	22d	1	0.45mi
6336 9th St Lubbock, TX	3.0	2.0	1476	$1,650	$1.12	22d	1	0.54mi
310 Homestead Ave Unit 4 Lubbock, TX	3.0	2.5	1783	$1,795	$1.01	15d	1	0.57mi
310 Homestead Ave Unit 12 Lubbock, TX	3.0	2.5	1571	$1,595	$1.02	15d	1	0.57mi
310 Homestead Ave Unit 17 Lubbock, TX	3.0	2.5	1571	$1,595	$1.02	46d	1	0.57mi
310 Homestead Ave Lubbock, TX	3.0	3.0	1783	$1,995	$1.12	45d	1	0.57mi
403 Kirby Ave Lubbock, TX	3.0	2.0	1800	$695	$0.39	45d	1	0.59mi
6505 8th St Lubbock, TX	3.0	2.0	1633	$1,600	$0.98	15d	1	0.66mi
6504 7th St Lubbock, TX	3.0	2.0	1500	$1,495	$1.00	46d	1	0.68mi
6513 8th St Lubbock, TX	3.0	2.0	1720	$1,750	$1.02	45d	1	0.69mi
221 Grover Ave Lubbock, TX	3.0	2.0	1184	$1,295	$1.09	15d	1	0.71mi
6521 8th St Lubbock, TX	3.0	2.0	1865	$1,795	$0.96	45d	1	0.72mi
5603 15th St Lubbock, TX	3.0	2.0	1564	$2,000	$1.28	15d	1	0.78mi
5540 18th St Lubbock, TX	3.0	2.0	1249	$1,350	$1.08	22d	1	0.78mi
6040 24th St Unit 8 Lubbock, TX	3.0	3.5	1699	$1,600	$0.94	45d	1	0.79mi
6040 24th St Unit 17 Lubbock, TX	3.0	2.0	1700	$1,729	$1.02	22d	1	0.80mi
6040 24th St Unit 17 Lubbock, TX	3.0	3.5	1700	$1,729	$1.02	45d	1	0.80mi
6040 24th St Unit 33 Lubbock, TX	3.0	3.5	1795	$1,600	$0.89	22d	1	0.80mi
5522 13th St Unit A Lubbock, TX	3.0	2.0	1200	$1,250	$1.04	15d	1	0.80mi
6040 24th St Apt 25 Lubbock, TX	3.0	2.5	1795	$1,700	$0.95	22d	1	0.83mi
6040 24th St Lubbock, TX	3.0	3.5	1795	$1,650	$0.92	45d	1	0.83mi
6040 24th St Unit 16 Lubbock, TX	3.0	3.5	1600	$1,699	$1.06	15d	1	0.83mi
6040 24th St Apt 25 Lubbock, TX	3.0	3.5	1795	$1,700	$0.95	45d	1	0.83mi
6040 24th St Lubbock, TX	3.0	3.0	1795	$1,799	$1.00	22d	1	0.83mi
5518 16th Pl Lubbock, TX	3.0	2.0	1637	$1,700	$1.04	15d	1	0.84mi
1003 Oshkosh Ave Lubbock, TX	3.0	2.0	1835	$2,000	$1.09	15d	1	0.84mi
5503 10th St Lubbock, TX	3.0	2.0	1311	$1,500	$1.14	22d	1	0.90mi
5519 18th St Lubbock, TX	3.0	1.0	1258	$1,200	$0.95	22d	1	0.90mi
5519 18th St Lubbock, TX	3.0	2.0	1258	$1,200	$0.95	45d	1	0.90mi
204 Genoa Ave Lubbock, TX	3.0	2.0	1400	$1,400	$1.00	15d	1	0.91mi

Listing history 16 events

1. 2026-06-05
   statusdays on market $125,750 Pending 52 DOM
2. 2026-06-03
   days on market $125,750 Active 51 DOM
3. 2026-06-02
   days on market $125,750 Active 50 DOM
4. 2026-06-01
   days on market $125,750 Active 49 DOM
5. 2026-05-31
   days on market $125,750 Active 48 DOM
6. 2026-05-30
   days on market $125,750 Active 47 DOM
7. 2026-04-13
   listed $135,750 Active 54-char remark

   Show marketing remark (54 chars)

   4bedoom, 3 bath home with large backyard and fireplace

8. 2021-11-15
   soldstatus 700-char remark

   Show marketing remark (700 chars)

   4 bedrooms and 3 bathrooms! This is a good one! This spacious home has a lot to offer! Exterior was just painted and new roof is on the way. Located in Frenship ISD and convenient to Texas Tech, LCU and the Medical District. Large living room with brick fireplace. Some of the interior has fresh paint. There are 2 double carports in the back - enough covered space to park 4 vehicles, plus driveway parking in the front. Works great for a large family or roommates, or has enough space for your work-at-home office! Covered patio and storage shed in back yard. With 2 water heaters, those long, hot showers are never a problem! Washer/Dryer/Refrigerator can stay. Make your viewing appointment soon!

9. 2021-11-15
   soldstatus

   Show marketing remark (700 chars)

   4 bedrooms and 3 bathrooms! This is a good one! This spacious home has a lot to offer! Exterior was just painted and new roof is on the way. Located in Frenship ISD and convenient to Texas Tech, LCU and the Medical District. Large living room with brick fireplace. Some of the interior has fresh paint. There are 2 double carports in the back - enough covered space to park 4 vehicles, plus driveway parking in the front. Works great for a large family or roommates, or has enough space for your work-at-home office! Covered patio and storage shed in back yard. With 2 water heaters, those long, hot showers are never a problem! Washer/Dryer/Refrigerator can stay. Make your viewing appointment soon!

10. 2021-10-06
    listed $157,500 700-char remark

    Show marketing remark (700 chars)

    4 bedrooms and 3 bathrooms! This is a good one! This spacious home has a lot to offer! Exterior was just painted and new roof is on the way. Located in Frenship ISD and convenient to Texas Tech, LCU and the Medical District. Large living room with brick fireplace. Some of the interior has fresh paint. There are 2 double carports in the back - enough covered space to park 4 vehicles, plus driveway parking in the front. Works great for a large family or roommates, or has enough space for your work-at-home office! Covered patio and storage shed in back yard. With 2 water heaters, those long, hot showers are never a problem! Washer/Dryer/Refrigerator can stay. Make your viewing appointment soon!

11. 2021-07-02
    listed $155,000
12. 2014-07-24
    soldstatus
13. 2014-07-23
    soldstatus
14. 2013-08-05
    listed $99,900
15. 2008-06-06
    soldstatus
16. 2004-11-01
    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: $3,626 · $302/mo
• Projected year-2 tax: $3,626 · $302/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,864
• − Mortgage interest: −$7,044
• − Property taxes: −$3,626
• − Insurance: −$629
• − Repairs & maintenance: −$1,589
• − Management: −$1,589
• − Depreciation: −$3,658
• Taxable income: $1,729
• Est. tax owed @ 24.0%: −$415
• After-tax cash flow: $3,110/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: Frenship ISD
• NCES district ID: 4819830
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 54% ▬ 0.00%
• Median HH income: $54,376
• Composite: 43.59/100
• National rank: #2976
• State rank: #162 of 826 in TX

Livability — Lubbock

• Score: 80/100
• State rank: #37
• US rank: #1749

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lubbock, TX
• County: Lubbock County · 293,542 people
• City population: 283,030
• Metro: Lubbock, TX
• Population (ZIP): 36,442
• Household income: $63,896
• Rent vs Own: 51.5% rent · 48.5% own
• Severe rent burden: 2214.0

Population outlook (Lubbock County) Hauer SSP2

• Today (2025): 345,960 people
• By 2030: 371,449 · +7.4%
• By 2040: 424,539 · +22.7%
• By 2050: 481,150 · +39.1%
• By 2075: 633,467 · +83.1%
• By 2100: 746,853 · +115.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 49% Hispanic / Latino 35% Two or more races 14% Black 9% Asian 3%
• Hispanic origin (detail): Mexican 28%
• Common ancestry: Slovak 3% Italian 1% Serbian 1%
• Foreign-born: 7% · Canada, China, South Korea
• Languages at home: 81% English-only · Spanish 13% Chinese 1% Tagalog/Filipino 1%

Political lean MEDSL · Lubbock

• 2024 margin: Solid R (+39.5) · D 29.7% · R 69.2% · Other 1.0%
• 2008→2024 swing: -2.8pp toward R · 2008: -36.7pp · 2024: -39.5pp
• All cycles: 2024: R+39.5 2020: R+32.2 2016: R+38.4 2012: R+40.9 2008: R+36.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.94%
• Current HPI: 227.7841
• Rent YoY: ▲ 2.21%
• Metro: Lubbock, 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

+35.9% since first listed

10 events — show timeline

• 2026-04-13 Listed $135,750 LARMLS
• 2021-11-15 Sold (Public Records) — Public Records
• 2021-11-15 Sold (MLS) — LARMLS
• 2021-10-06 Listed $157,500 LARMLS
• 2021-07-02 Listed $155,000 LARMLS
• 2014-07-24 Sold (Public Records) — Public Records
• 2014-07-23 Sold (MLS) — LARMLS
• 2013-08-05 Listed $99,900 LARMLS
• 2008-06-06 Sold (Public Records) — Public Records
• 2004-11-01 Sold (Public Records) — Public Records

Property tax history

+5.0%/yr

Latest (2025): $3,626 · -1.7% YoY. Source: county tax records.