703 E 14th St · Wolfforth, TX 79382

$320,000

4 bd · 2.0 ba · 1,894 sqft · SingleFamily · 70 Days on market

Built 2026 6,600 sqft lot

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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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +5.8/30.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.2/10.0
• DSCR +0.2/10.0

Listing remarks MLS

WOW!!! Builder offering $6500 flex cash, ask us about the Preferred Lender Incentives. Discover luxury living at an unbeatable value with this stunning new Ridgeline Signature Home--the Lucky plan! Ridgeline Homes brings high-end features and smart, thoughtful design without the inflated price tag. This beautiful 4-bedroom, 2-bath home boasts an open-concept layout perfect for relaxed everyday living and effortless entertaining. Highlights include: * A striking tile fireplace with elegant mantel * Impressive box ceilings in the living area and primary bedroom * Gorgeous veined quartz countertops paired with designer faucets and fixtures * Stylish wood-painted cabinetry throughout the kitchen and baths * Premium GE appliance package, including a gas range * Convenient mud bench in the utility room * On-demand recirculating hot water system for instant comfort. The primary suite feels like a private spa retreat, featuring a luxurious stand-up shower with three distinct tile designs and a serene, spa-inspired bathroom. Step outside to excellent curb appeal: full sod and a sprinkler system in both front and back yards make maintenance a breeze. Zoned for top-rated Frenship ISD schools, and conveniently located near shopping, dining, and daily essentials. Ready to fall in love? Schedule your private tour today before it's gone!

Key facts

• Box ceilings
• Mud bench
• Tile fireplace

Tags

• TILE FIREPLACE
• BOX CEILINGS
• VEINED QUARTZ COUNTERTOPS
• WOOD-PAINTED CABINETRY
• GE APPLIANCE PACKAGE
• MUD BENCH

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $320k.

Deal economics

• At list price, monthly cash flow is $-639 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $227k (28.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $199k (37.8% below list).
• Recommended offer: $199k (37.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 80/100 on livability (#43 in TX, #1,872 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute 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: Bennett El (math 62% / reading 64%, grade B, #300 of 4,322 statewide, top 7%, 876 students, 43% FRL); Frenship Middle (math 46% / reading 50%, grade C-, #400 of 1,662 statewide, top 24%, 833 students, 47% FRL); Frenship H S (math 44% / reading 65%, grade C-, #379 of 1,632 statewide, top 26%, 3,247 students, 46% FRL).
• Market conditions: 472 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,219 units permitted in Lubbock County in 2024 (252 in 5+ unit buildings).

Forward outlook

• In year one you build about $34k of equity ($2k loan paydown + $32k appreciation (10.0% local appreciation)).
• Lubbock County population projected at +39% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$55k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($301k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• 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 $199,000 (37.8% 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 70 days. Have you received any prior offers? Is the seller open to a 38% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.62% ✗
• Cap rate: 3.90%
• Cash-on-cash: -8.56%
• DSCR: 0.62
• GRM: 13.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.3%
• Equity multiple: 2.49×
• Total profit: $133,590
• Equity at exit: $288,281

10-year hold

• IRR: 17.0%
• Equity multiple: 5.75×
• Total profit: $425,483
• Equity at exit: $621,690

Cash invested: $89,600 (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 79382

• Active inventory: 472
• Price-to-rent: 13.4×

Monthly cashflow live

• Estimated rent: $1,990 high
• Mortgage (P&I): −$1,678
• Tax est. 1.5%: −$400 /mo · $4,800/yr
• Insurance: −$133
• HOA: −$0
• Vacancy / Maint / Mgmt: −$418
• Net cashflow: $-639

Break-even live

Break-even rent $2,799

Max offer price $227,485

Occupancy floor —

Sensitivity live

Price	-10% $-418	-5% $-529	+0% $-639	+5% $-750	+10% $-860
Rent	-10% $-797	-5% $-718	+0% $-639	+5% $-561	+10% $-482
Rate	-1.0pp $-478	-0.5pp $-558	base $-639	+0.5pp $-722	+1.0pp $-807

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: $80,000
• Closing costs: $9,600
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1503 Good Prairie Ave Wolfforth, TX	4.0	2.5	2173	$2,450	$1.13	22d	1	0.10mi
611 E 14th St Wolfforth, TX	3.0	2.0	1299	$1,725	$1.33	45d	1	0.13mi
1313 Corpus Ave Unit B Wolfforth, TX	3.0	2.0	1550	$1,850	$1.19	15d	1	0.16mi
723 E 17th St Wolfforth, TX	3.0	2.0	1670	$1,800	$1.08	45d	1	0.21mi
2008 Cottonwood Ave Wolfforth, TX	3.0	2.0	1450	$1,810	$1.25	45d	1	0.36mi
2304 Corpus Ave Wolfforth, TX	3.0	2.0	1316	$1,425	$1.08	45d	1	0.38mi
1817 Corpus Ave Wolfforth, TX	3.0	2.0	1405	$1,600	$1.14	15d	1	0.39mi
2001 Corpus Ave Unit 2001 B Corpus Wolfforth, TX	3.0	2.0	1350	$1,500	$1.11	22d	1	0.42mi
2001 Corpus Ave Unit B Wolfforth, TX	3.0	2.0	1316	$1,500	$1.14	15d	1	0.42mi
2001 Bryan Ave Unit B Wolfforth, TX	3.0	2.0	1360	$1,400	$1.03	45d	1	0.45mi
2011 Bryan Ave Wolfforth, TX	3.0	2.0	1350	$1,450	$1.07	45d	1	0.50mi
2408 Aberdeen Ave Wolfforth, TX	4.0	2.0	1703	$2,100	$1.23	22d	1	0.51mi
2418 Aberdeen Ave Wolfforth, TX	3.0	2.0	1450	$1,799	$1.24	45d	1	0.51mi
407 E 21st St Wolfforth, TX	3.0	2.0	1360	$1,399	$1.03	22d	1	0.52mi
215 14th St Wolfforth, TX	4.0	3.0	1850	$2,200	$1.19	15d	1	0.55mi
127 Brooke Blvd Wolfforth, TX	3.0	2.5	1714	$1,757	$1.03	15d	2	0.75mi
7811 96th St Lubbock, TX	4.0	2.0	1946	$2,195	$1.13	22d	1	0.96mi
7805 96th St Lubbock, TX	4.0	2.0	1888	$2,150	$1.14	45d	1	0.98mi
2916 Corpus Ave Wolfforth, TX	3.0	2.0	1657	$1,800	$1.09	45d	1	0.98mi
7731 97th St Lubbock, TX	4.0	2.0	1888	$2,075	$1.10	22d	1	0.99mi
811 11th St Wolfforth, TX	3.0	2.0	1523	$1,595	$1.05	45d	1	0.99mi
7729 96th St Lubbock, TX	4.0	2.0	1978	$2,300	$1.16	15d	1	1.04mi
7732 96th St Lubbock, TX	4.0	2.0	1888	$2,075	$1.10	22d	1	1.05mi
2915 Tractor Ave Wolfforth, TX	4.0	3.0	2582	$2,995	$1.16	15d	1	1.07mi
7510 102nd St Lubbock, TX	3.0	2.0	1503	$1,600	$1.06	45d	1	1.08mi
906 11th St Wolfforth, TX	3.0	2.0	1731	$2,000	$1.16	45d	1	1.10mi
7456 104th St Lubbock, TX	3.0	2.0	1460	$1,700	$1.16	45d	1	1.15mi
7449 104th St Lubbock, TX	3.0	2.0	1481	$1,625	$1.10	22d	1	1.17mi
7729 92nd St Lubbock, TX	4.0	3.0	1810	$2,495	$1.38	22d	1	1.20mi
7440 104th St Lubbock, TX	3.0	2.0	1578	$1,600	$1.01	15d	1	1.22mi
328 Ranger St Wolfforth, TX	4.0	2.0	2045	$2,450	$1.20	15d	1	1.23mi
405 Ranger St Wolfforth, TX	4.0	2.0	1866	$2,450	$1.31	15d	1	1.23mi
7424 104th St Lubbock, TX	3.0	2.0	1598	$1,750	$1.10	45d	1	1.30mi
209 Sooner St Wolfforth, TX	3.0	2.0	1951	$1,875	$0.96	45d	1	1.34mi
7350 100th St Lubbock, TX	3.0	2.0	1400	$1,650	$1.18	45d	1	1.39mi
7811 86th St Lubbock, TX	3.0	2.0	1710	$2,025	$1.18	22d	1	1.49mi

Listing history 16 events

1. 2026-06-18
   days on market $320,000 Active 70 DOM
2. 2026-06-17
   days on market $320,000 Active 69 DOM
3. 2026-06-16
   days on market $320,000 Active 68 DOM
4. 2026-06-15
   days on market $320,000 Active 67 DOM
5. 2026-06-13
   days on market $320,000 Active 64 DOM
6. 2026-06-10
   days on market $320,000 Active 62 DOM
7. 2026-06-09
   days on market $320,000 Active 61 DOM
8. 2026-06-08
   days on market $320,000 Active 60 DOM
9. 2026-06-07
   days on market $320,000 Active 59 DOM
10. 2026-06-05
    days on market $320,000 Active 56 DOM
11. 2026-06-03
    pricedays on market $320,000 Active 55 DOM
12. 2026-06-02
    days on market $325,000 Active 54 DOM
13. 2026-06-01
    days on market $325,000 Active 53 DOM
14. 2026-05-31
    days on market $325,000 Active 52 DOM
15. 2026-05-30
    days on market $325,000 Active 51 DOM
16. 2026-04-10
    listed $325,000 Active 1357-char remark

    Show marketing remark (1357 chars)

    WOW!!! Builder offering $6500 flex cash, ask us about the Preferred Lender Incentives. Discover luxury living at an unbeatable value with this stunning new Ridgeline Signature Home--the Lucky plan! Ridgeline Homes brings high-end features and smart, thoughtful design without the inflated price tag. This beautiful 4-bedroom, 2-bath home boasts an open-concept layout perfect for relaxed everyday living and effortless entertaining. Highlights include: * A striking tile fireplace with elegant mantel * Impressive box ceilings in the living area and primary bedroom * Gorgeous veined quartz countertops paired with designer faucets and fixtures * Stylish wood-painted cabinetry throughout the kitchen and baths * Premium GE appliance package, including a gas range * Convenient mud bench in the utility room * On-demand recirculating hot water system for instant comfort. The primary suite feels like a private spa retreat, featuring a luxurious stand-up shower with three distinct tile designs and a serene, spa-inspired bathroom. Step outside to excellent curb appeal: full sod and a sprinkler system in both front and back yards make maintenance a breeze. Zoned for top-rated Frenship ISD schools, and conveniently located near shopping, dining, and daily essentials. Ready to fall in love? Schedule your private tour today before it's gone!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,880
• − Mortgage interest: −$17,925
• − Property taxes: −$4,800
• − Insurance: −$1,600
• − Repairs & maintenance: −$1,910
• − Management: −$1,910
• − Depreciation: −$9,309
• Taxable loss: −$13,575
• Est. tax savings @ 24.0%: +$3,258
• After-tax cash flow: $-4,414/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 — Wolfforth

• Score: 80/100
• State rank: #43
• US rank: #1872

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wolfforth, TX
• County: Lubbock County · 293,542 people
• City population: 10,512
• Metro: Lubbock, TX
• Population (ZIP): 10,512
• Household income: $84,457
• Rent vs Own: 23.0% rent · 77.0% own
• Severe rent burden: 135.0

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: Majority White (64%)
• Race & ethnicity: White 64% Hispanic / Latino 31% Two or more races 18% Black 1%
• Hispanic origin (detail): Mexican 28%
• Common ancestry: Italian 4% Slovak 2% Lithuanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 85% English-only · Spanish 14%

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: ▲ 166.08%
• Current HPI: 561.4491
• Rent YoY: —
• 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

1 event — show timeline

• 2026-04-10 Listed $325,000 LARMLS