14596 Tucker · Lindale, TX 75771

$184,000

2 bd · 1.0 ba · 1,255 sqft · SingleFamily public records · 92 Days on market

Built 1975 1,255 sqft lot $147/sqft · 18% below area Est $225k · 18% under

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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).

• ARV discount +15.0/15.0
• Cash flow +7.8/30.0
• Schools +5.9/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• DSCR +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space.Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

Key facts

• Open concept kitchen
• Covered carport
• 1,255 sq ft lot

Tags

• OPEN CONCEPT KITCHEN
• SPACIOUS FENCED BACKYARD
• CONVENIENT STORAGE SHED
• COVERED CARPORT
• REFRIGERATOR TO CONVEY
• LOCATED IN LINDALE ISD

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $184k.

Deal economics

• At list price, monthly cash flow is $-207 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $147k (19.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $133k (27.5% below list).
• Recommended offer: $133k (27.5% below list) — sets the bar for 1% rule.
• Cap rate 4.9% vs local median 3.3% in Lindale — 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 79/100 on livability (#52 in TX, #2,100 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Lindale ISD (town): math 71% / reading 66% proficiency, ranked #20 of 826 in TX (top 2%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 633 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 595 units permitted in Smith County in 2024 (45 in 5+ unit buildings).
• This rent is only 17% of the median local income ($93k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Smith County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 92 days — a 9% lower offer ($167k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 12y ago; this cycle's ask has dropped $15k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 58% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $133,412 (27.5% 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 92 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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: 0.73% ✗
• Cap rate: 4.94%
• Cash-on-cash: -4.82%
• DSCR: 0.79
• GRM: 11.5

CMA / ARV

• ARV (median comp): $225,094
• List price: $184,000
• Delta: -18.26%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6037 Freedom Dr	0.47mi	3/2.0 (+1)	1,264 (+1%)	10mo	$234,990	$186	59
519 N College St	0.28mi	3/2.0 (+1)	1,316 (+5%)	15mo	$209,900	$159	58
204 Mount Sylvan St	0.69mi	3/1.0 (+1)	1,196 (-5%)	5mo	$159,900	$134	51
402 Mission Crest Cir	0.43mi	3/2.0 (+1)	1,338 (+7%)	13mo	$268,995	$201	49
409 Mission Crest Cir	0.39mi	3/2.0 (+1)	1,435 (+14%)	6mo	$275,000	$192	44
6076 Freedom Dr	0.47mi	3/2.0 (+1)	1,412 (+12%)	10mo	$257,990	$183	40
305 Mission Crest Cir	0.46mi	3/2.0 (+1)	1,370 (+9%)	21mo	$265,000	$193	37
416 W South St	0.73mi	3/2.0 (+1)	1,420 (+13%)	1mo	$265,000	$187	34

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -24.5%
• Equity multiple: 0.17×
• Total profit: $-42,975
• Equity at exit: $27,435

10-year hold

• IRR: -19.9%
• Equity multiple: -0.05×
• Total profit: $-54,329
• Equity at exit: $15,909

Cash invested: $51,520 (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 75771

• Home prices YoY: -30.6%
• Active inventory: 633
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,334 high
• Mortgage (P&I): −$965
• Tax from tax record: −$219 /mo · $2,630/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$280
• Net cashflow: $-207

Break-even live

Break-even rent $1,596

Max offer price $147,464

Occupancy floor —

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: $46,000
• Closing costs: $5,520
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
527 N College St Unit 13 Lindale, TX	2.0	1.5	1267	$1,395	$1.10	21d	1	0.26mi
527 N College St Lindale, TX	2.0	1.5	1267	$1,300	$1.03	43d	1	0.26mi
75 Miranda Lambert Way Unit r4 Lindale, TX	1.0	1.5	1060	$1,250	$1.18	43d	1	0.27mi
75 Miranda Lambert Way Unit The Cannery R5 Lindale, TX	1.0	1.5	1060	$1,250	$1.18	21d	1	0.27mi
302 E South St Lindale, TX	2.0	1.0	990	$1,195	$1.21	13d	1	0.60mi
400 Baker St Lindale, TX	3.0	2.0	1660	$1,875	$1.13	21d	1	0.75mi
602 E South St Unit 3 Lindale, TX	2.0	1.0	950	$1,200	$1.26	21d	1	0.79mi
117 Legends Ct Lindale, TX	1.0–2.0	1.0	850	$1,625	$1.91	13d	6	0.84mi
206 Cooper St Lindale, TX	2.0	1.0	1200	$1,400	$1.17	43d	1	0.89mi

Listing history 39 events

1. 2026-06-19
   days on market $184,000 Active 92 DOM
2. 2026-06-18
   days on market $184,000 Active 91 DOM
3. 2026-06-17
   days on market $184,000 Active 90 DOM
4. 2026-06-16
   days on market $184,000 Active 89 DOM
5. 2026-06-15
   days on market $184,000 Active 88 DOM
6. 2026-06-14
   days on market $184,000 Active 86 DOM
7. 2026-06-13
   days on market $184,000 Active 85 DOM
8. 2026-06-10
   days on market $184,000 Active 83 DOM
9. 2026-06-09
   days on market $184,000 Active 82 DOM
10. 2026-06-08
    days on market $184,000 Active 81 DOM
11. 2026-06-07
    days on market $184,000 Active 80 DOM
12. 2026-06-03
    days on market $184,000 Active 76 DOM
13. 2026-06-02
    days on market $184,000 Active 75 DOM
14. 2026-06-01
    days on market $184,000 Active 74 DOM
15. 2026-05-31
    days on market $184,000 Active 73 DOM
16. 2026-05-30
    days on market $184,000 Active 72 DOM
17. 2026-04-20
    price $189,999 849-char remark

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

18. 2026-04-20
    price $189,999 850-char remark

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

19. 2026-04-20
    price $189,999

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

20. 2026-03-31
    price $194,900 849-char remark

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

21. 2026-03-31
    price $194,900

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

22. 2026-03-31
    price $194,900 850-char remark

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

23. 2026-03-19
    listed $199,000 Active 849-char remark

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

24. 2026-03-19
    listed $199,000 Active 850-char remark

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

25. 2026-03-19
    listed $199,000 Active

    Show marketing remark (850 chars)

    Welcome to 14596 Tucker St in Lindale, TX an inviting move in ready home full of charm and potential! This 2 bedroom, 1 bath home offers a functional layout with an open concept kitchen that overlooks the living area, creating a comfortable space for everyday living and entertaining. This well maintained home has plenty of life left and is perfect for first time buyers, downsizers, or investors looking for a solid opportunity. Outside, you’ll find a spacious fenced backyard ideal for pets, kids, or weekend gatherings along with a convenient storage shed for extra space. Additional features include a covered carport and the added value of a refrigerator to convey with the home. Located in Lindale ISD and just minutes from town, this property offers both convenience and potential—don’t miss your chance to make it your own!

26. 2021-07-09
    soldstatus
27. 2021-07-02
    soldstatus Sold
28. 2021-07-01
    soldstatus
29. 2021-06-07
    status Pending
30. 2021-06-01
    historical Active Option Contract
31. 2021-05-30
    listed $159,000
32. 2021-05-20
    listed $159,000 Active
33. 2016-09-01
    soldstatus
34. 2016-08-28
    soldstatus
35. 2016-07-13
    listed $89,500
36. 2014-06-03
    soldstatus
37. 2014-05-30
    soldstatus
38. 2014-05-01
    listed $69,900
39. 2004-05-18
    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: $2,630 · $219/mo
• Projected year-2 tax: $3,367 · $281/mo
• Expected delta: +$737/yr (+$61/mo · 28.0%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥109°F today · 25 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 58% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,009
• − Mortgage interest: −$10,307
• − Property taxes: −$2,630
• − Insurance: −$920
• − Repairs & maintenance: −$1,281
• − Management: −$1,281
• − Depreciation: −$5,353
• Taxable loss: −$5,762
• Est. tax savings @ 24.0%: +$1,383
• After-tax cash flow: $-1,099/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: Lindale ISD
• NCES district ID: 4827510
• Math proficiency: 71% ▼ -2.00%
• Reading proficiency: 66% ▲ 4.00%
• Median HH income: $57,325
• Composite: 58.85/100
• National rank: #974
• State rank: #20 of 826 in TX

Livability — Lindale

• Score: 79/100
• State rank: #52
• US rank: #2100

Category grades

Amenities F Commute F Cost of living A+ 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: Lindale, TX
• County: Smith County · 180,570 people
• City population: 21,238
• Metro: Tyler, TX
• Population (ZIP): 21,238
• Household income: $93,462
• Rent vs Own: 21.7% rent · 78.3% own
• Severe rent burden: 166.0

Population outlook (Smith County) Hauer SSP2

• Today (2025): 248,890 people
• By 2030: 261,665 · +5.1%
• By 2040: 286,114 · +15.0%
• By 2050: 308,006 · +23.8%
• By 2075: 354,171 · +42.3%
• By 2100: 372,828 · +49.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Hispanic / Latino 9% Two or more races 6% Black 5% Asian 2%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Slovak 3% Serbian 2% Lithuanian 1%
• Foreign-born: 5% · Canada, China
• Languages at home: 93% English-only · Spanish 6%

Political lean MEDSL · Smith

• 2024 margin: Solid R (+45.1) · D 27.0% · R 72.1%
• 2008→2024 swing: -5.6pp toward R · 2008: -39.5pp · 2024: -45.1pp
• All cycles: 2024: R+45.1 2020: R+39.4 2016: R+43.9 2012: R+46.9 2008: R+39.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.40%
• Current HPI: 200.187
• Rent YoY: —
• Metro: Tyler, 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

+171.8% since first listed

23 events — show timeline

• 2026-04-20 Price Changed $189,999 NTREIS
• 2026-04-20 Price Changed $189,999 GTAR
• 2026-04-20 Price Changed $189,999 LAAR
• 2026-03-31 Price Changed $194,900 NTREIS
• 2026-03-31 Price Changed $194,900 LAAR
• 2026-03-31 Price Changed $194,900 GTAR
• 2026-03-19 Listed $199,000 LAAR
• 2026-03-19 Listed $199,000 GTAR
• 2026-03-19 Listed $199,000 NTREIS
• 2021-07-09 Sold (Public Records) — Public Records
• 2021-07-02 Sold (MLS) — NTREIS
• 2021-07-01 Sold (MLS) — GTAR
• 2021-06-07 Pending — NTREIS
• 2021-06-01 Contingent — NTREIS
• 2021-05-30 Listed $159,000 GTAR
• 2021-05-20 Listed $159,000 NTREIS
• 2016-09-01 Sold (Public Records) — Public Records
• 2016-08-28 Sold (MLS) — GTAR
• 2016-07-13 Listed $89,500 GTAR
• 2014-06-03 Sold (Public Records) — Public Records
• 2014-05-30 Sold (MLS) — GTAR
• 2014-05-01 Listed $69,900 GTAR
• 2004-05-18 Sold (Public Records) — Public Records

Property tax history

+5.3%/yr

Latest (2024): $2,630 · -9.6% YoY. Source: county tax records.