312 Clay Ridge Dr · Youngsville, LA 70592

$249,900

3 bd · 2.0 ba · 1,724 sqft · SingleFamily public records · 69 Days on market

Built 2013 6,969 sqft lot $145/sqft · at area comps Est $244k · at est.

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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).

• Cash flow +14.7/30.0
• ARV discount +6.3/15.0
• DSCR +4.5/10.0
• Livability +3.9/5.0
• Schools +3.6/10.0
• 1% rule +3.2/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Minutes from Youngsville Sports Complex and the heart of Youngsville, this home is in the center of a well established neighborhood. At over 1,700 square feet, this split floor plan has three spacious bedrooms, two full baths, beautiful vaulted ceilings, and so much more! Brand new water heater, Vivint security system, and new HVAC system!! Schedule a showing today!

Key facts

• 6,969 sq ft lot
• 2 garage spots
• Built 2013

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $-2 ($-29/yr) — negative.
• To cash-flow at today's rent, offer at most $249k (0.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (18.0% below list).
• Recommended offer: $205k (18.0% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 4.8% in Youngsville — 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 78/100 on livability (#8 in LA, #2,614 nationally) — a middle-class / working-renter tenant base. Strengths: schools A+, employment A+, housing A+; Watch: amenities F, commute F.
• Lafayette Parish (urban): math 38% / reading 46% proficiency, ranked #19 of 98 in LA (top 19%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+1.6%/yr); 675 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,585 units permitted in Lafayette Parish in 2024 (10 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.
• Lafayette County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 69 days — a 6% lower offer ($235k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 14y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $204,933 (18.0% 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 69 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
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 A-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. 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?
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: 0.82% ✗
• Cap rate: 6.60%
• Cash-on-cash: 1.10%
• DSCR: 1.05
• GRM: 10.2

CMA / ARV

• ARV (median comp): $243,597
• List price: $249,900
• Delta: 2.59%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
306 Flanders Ridge Dr	0.12mi	3/2.0	1,710 (-1%)	4mo	$255,000	$149	90
413 Flanders Ridge Dr	0.16mi	3/2.0	1,710 (-1%)	2mo	$245,000	$143	90
107 Hidden Hills Dr	0.12mi	3/2.0	1,495 (-13%)	4mo	$225,000	$151	69
103 Sun Ridge St	0.26mi	3/2.0	1,568 (-9%)	4mo	$215,000	$137	69
205 Rocky Ridge St	0.21mi	4/2.0 (+1)	1,885 (+9%)	4mo	$220,000	$117	66
307 Oak Hill Ln	0.54mi	3/2.0	1,655 (-4%)	3mo	$239,000	$144	66
224 Tall Oaks Ln	0.52mi	3/2.0	1,678 (-3%)	6mo	$280,000	$167	66
303 Lahasky Dr	0.53mi	3/2.0	1,815 (+5%)	3mo	$295,000	$163	64
202 Rue Cordorcet	0.35mi	4/2.0 (+1)	1,900 (+10%)	2mo	$260,000	$137	60
504 Beacon Dr	0.62mi	4/2.0 (+1)	1,638 (-5%)	2mo	$275,000	$168	56
112 Tall Oaks Ln	0.72mi	3/2.0	1,578 (-8%)	1mo	$227,000	$144	52
206 Oak Hill Ln	0.71mi	3/2.0	1,579 (-8%)	3mo	$192,500	$122	51

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 · 1.65% rent growth · sell at horizon

5-year hold

• IRR: -17.8%
• Equity multiple: 0.38×
• Total profit: $-43,429
• Equity at exit: $37,261

10-year hold

• IRR: -12.6%
• Equity multiple: 0.30×
• Total profit: $-49,122
• Equity at exit: $21,607

Cash invested: $69,972 (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 70592

• Home prices YoY: -23.4%
• Rents YoY: 1.6%
• Active inventory: 675
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $2,049 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$140 /mo · $1,684/yr
• Insurance: −$104
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$430
• Net cashflow: $-2

Break-even live

Break-even rent $2,052

Max offer price $249,474

Occupancy floor 95%

Sensitivity live

Price	-10% $139	-5% $68	+0% $-2	+5% $-73	+10% $-144
Rent	-10% $-164	-5% $-83	+0% $-2	+5% $79	+10% $159
Rate	-1.0pp $123	-0.5pp $61	base $-2	+0.5pp $-67	+1.0pp $-133

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: $62,475
• Closing costs: $7,497
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
309 Sun Ridge St Youngsville, LA	3.0	2.0	1568	$1,750	$1.12	44d	1	0.34mi
220 Tall Oaks Ln Youngsville, LA	4.0	2.0	1885	$2,200	$1.17	21d	1	0.50mi
210 Revere Dr Youngsville, LA	3.0	2.0	1690	$2,500	$1.48	44d	1	0.69mi
101 Seneca Cir Youngsville, LA	3.0	2.0	1640	$1,900	$1.16	21d	1	0.72mi
139 Iberia St Unit I Youngsville, LA	3.0	3.0	1645	$1,900	$1.16	44d	1	0.79mi
204 Benson GRV Youngsville, LA	4.0	2.0	1700	$2,500	$1.47	44d	1	0.85mi
— Youngsville, LA	4.0	3.0	2072	$2,550	$1.23	44d	1	0.85mi
120 Mayberry Grove ST Youngsville, LA	2.0	2.5	1500	$1,725	$1.15	44d	1	0.85mi
104 Field Pt Youngsville, LA	4.0	2.0	1700	$2,500	$1.47	44d	1	0.85mi
102 Canvasback DR Youngsville, LA	2.0	2.5	1305	$1,900	$1.46	44d	1	0.85mi
118 Gadwall DR Youngsville, LA	2.0	2.5	1334	$1,700	$1.27	44d	1	0.85mi
204 Romero St Unit C Youngsville, LA	2.0	2.5	1202	$1,650	$1.37	14d	1	0.90mi
205 Jacques St Youngsville, LA	2.0	1.0	1100	$995	$0.90	21d	1	0.90mi
106 Valcour Pl Youngsville, LA	3.0	2.0	1495	$1,950	$1.30	44d	1	0.97mi
540 Guillot Rd Lot E Youngsville, LA	4.0	2.0	1280	$1,265	$0.99	14d	1	1.05mi
110 Fourth St Youngsville, LA	3.0	2.5	1700	$1,800	$1.06	44d	1	1.07mi
210 Caillou Grove Rd Youngsville, LA	4.0	2.0	1961	$2,100	$1.07	14d	1	1.08mi

Listing history 29 events

1. 2026-06-18
   days on market $249,900 Active 69 DOM
2. 2026-06-17
   days on market $249,900 Active 68 DOM
3. 2026-06-16
   days on market $249,900 Active 67 DOM
4. 2026-06-15
   days on market $249,900 Active 66 DOM
5. 2026-06-14
   days on market $249,900 Active 64 DOM
6. 2026-06-13
   days on market $249,900 Active 63 DOM
7. 2026-06-10
   days on market $249,900 Active 61 DOM
8. 2026-06-09
   days on market $249,900 Active 60 DOM
9. 2026-06-08
   days on market $249,900 Active 59 DOM
10. 2026-06-07
    days on market $249,900 Active 58 DOM
11. 2026-06-05
    days on market $249,900 Active 55 DOM
12. 2026-06-03
    days on market $249,900 Active 54 DOM
13. 2026-06-02
    days on market $249,900 Active 53 DOM
14. 2026-06-01
    days on market $249,900 Active 52 DOM
15. 2026-05-31
    days on market $249,900 Active 51 DOM
16. 2026-05-30
    days on market $249,900 Active 50 DOM
17. 2026-04-10
    listed $249,900 Active 368-char remark

    Show marketing remark (368 chars)

    Minutes from Youngsville Sports Complex and the heart of Youngsville, this home is in the center of a well established neighborhood. At over 1,700 square feet, this split floor plan has three spacious bedrooms, two full baths, beautiful vaulted ceilings, and so much more! Brand new water heater, Vivint security system, and new HVAC system!! Schedule a showing today!

18. 2024-01-30
    soldstatus $244,000 Sold 515-char remark

    Show marketing remark (515 chars)

    Beautiful large 3bd/2bth,1710 sq ft. home in the heart of Youngsville. This desirable neighborhood located in Southside school district and Flood Zone X, also qualifies for 100% financing. You will love the 9ft ceilings, granite kitchen countertops, stained concrete floors. This open split floor plan home comes equipped with a large master suite complete with a garden tub, separate shower, and ample walk in closet space. Brand new shower, bath tub and toilet in the guest bathroom .Schedule your showing today!

19. 2024-01-17
    status Pending 515-char remark

    Show marketing remark (515 chars)

    Beautiful large 3bd/2bth,1710 sq ft. home in the heart of Youngsville. This desirable neighborhood located in Southside school district and Flood Zone X, also qualifies for 100% financing. You will love the 9ft ceilings, granite kitchen countertops, stained concrete floors. This open split floor plan home comes equipped with a large master suite complete with a garden tub, separate shower, and ample walk in closet space. Brand new shower, bath tub and toilet in the guest bathroom .Schedule your showing today!

20. 2023-11-17
    listed $245,000 Active 515-char remark

    Show marketing remark (515 chars)

    Beautiful large 3bd/2bth,1710 sq ft. home in the heart of Youngsville. This desirable neighborhood located in Southside school district and Flood Zone X, also qualifies for 100% financing. You will love the 9ft ceilings, granite kitchen countertops, stained concrete floors. This open split floor plan home comes equipped with a large master suite complete with a garden tub, separate shower, and ample walk in closet space. Brand new shower, bath tub and toilet in the guest bathroom .Schedule your showing today!

21. 2020-12-14
    soldstatus $182,000
22. 2020-12-11
    soldstatus $182,000
23. 2020-10-19
    listed $185,000
24. 2019-10-11
    soldstatus $175,000
25. 2019-10-09
    soldstatus $175,000
26. 2019-05-21
    listed $179,900
27. 2018-08-29
    listed $185,900
28. 2013-04-29
    soldstatus $169,900
29. 2012-11-19
    listed $169,900

ⓘ 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: $1,684 · $140/mo
• Projected year-2 tax: $1,684 · $140/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 7/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% 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: $24,592
• − Mortgage interest: −$13,998
• − Property taxes: −$1,684
• − Insurance: −$2,047
• − Repairs & maintenance: −$1,967
• − Management: −$1,967
• − Depreciation: −$7,270
• Taxable loss: −$4,341
• Est. tax savings @ 24.0%: +$1,042
• After-tax cash flow: $1,013/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: Lafayette Parish
• NCES district ID: 2200870
• Math proficiency: 38% ▼ -32.00%
• Reading proficiency: 46% ▼ -24.00%
• Median HH income: $50,238
• Composite: 36.15/100
• National rank: #4741
• State rank: #19 of 98 in LA

Livability — Youngsville

• Score: 78/100
• State rank: #8
• US rank: #2614

Category grades

Amenities F Commute F Cost of living B+ 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: Youngsville, LA
• County: Lafayette Parish · 207,544 people
• City population: 32,167
• Metro: Lafayette, LA
• Population (ZIP): 32,167
• Household income: $93,204
• Rent vs Own: 12.9% rent · 87.1% own
• Severe rent burden: 424.0

Population outlook (Lafayette County) Hauer SSP2

• Today (2025): 280,930 people
• By 2030: 301,092 · +7.2%
• By 2040: 339,456 · +20.8%
• By 2050: 375,156 · +33.5%
• By 2075: 451,672 · +60.8%
• By 2100: 497,203 · +77.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 10% Two or more races 5% Hispanic / Latino 4% Asian 1%
• Common ancestry: Lithuanian 24% Romanian 3% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · French/Haitian/Cajun 3% Spanish 2%

Political lean MEDSL · Lafayette

• 2024 margin: Solid R (+31.4) · D 33.5% · R 64.8% · Other 1.7%
• 2008→2024 swing: -0.1pp no change · 2008: -31.3pp · 2024: -31.4pp
• All cycles: 2024: R+31.4 2020: R+28.7 2016: R+33.6 2012: R+33.7 2008: R+31.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -41.24%
• Current HPI: 135.2825
• Rent YoY: ▲ 1.65%
• Metro: Lafayette, 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

+47.1% since first listed

13 events — show timeline

• 2026-04-10 Listed $249,900 AcadianaMLS
• 2024-01-30 Sold (MLS) $244,000 AcadianaMLS
• 2024-01-17 Pending — AcadianaMLS
• 2023-11-17 Listed $245,000 AcadianaMLS
• 2020-12-14 Sold (Public Records) $182,000 Public Records
• 2020-12-11 Sold (MLS) $182,000 AcadianaMLS
• 2020-10-19 Listed $185,000 AcadianaMLS
• 2019-10-11 Sold (Public Records) $175,000 Public Records
• 2019-10-09 Sold (MLS) $175,000 AcadianaMLS
• 2019-05-21 Listed $179,900 AcadianaMLS
• 2018-08-29 Listed $185,900 AcadianaMLS
• 2013-04-29 Sold (MLS) $169,900 AcadianaMLS
• 2012-11-19 Listed $169,900 AcadianaMLS

Property tax history

+16.7%/yr

Latest (2025): $1,684 · -1.2% YoY. Source: county tax records.