344 White Pine Dr · Lafayette, LA 70501

$224,500

3 bd · 2.0 ba · 1,447 sqft · SingleFamily · 16 Days on market

Good condition 6,098 sqft lot Garage $155/sqft · 7% below area Est $241k · 7% under $33/mo HOA · 2% of rent

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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 +12.9/30.0
• ARV discount +10.5/15.0
• Rent growth +4.3/5.0
• Condition / age +4.0/5.0
• DSCR +3.9/10.0
• 1% rule +3.8/10.0
• Livability +3.5/5.0
• Schools +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to the Bellvue! A new home floorplan featured at Cedar Creek community in Lafayette, Louisiana. Inside this appealing 3 bed, 2 bath home, with 2 car garage, you will be met with 1,447 square feet of comfortable living. The living area is an open concept, where your kitchen, living, and dining areas blend seamlessly into a space perfect for everyday living and entertaining. The kitchen features ample cabinets, center island and walk-in pantry. You'll never be too far from the action with the living and dining area right there. The primary bedroom has its own attached ensuite bath that showcases a walk-in closet with all the space you need to get ready and privacy with a separate door for the toilet. Across from the home you will find the other 2 bedrooms purposely designed with walk-in closets in each. The charming exteriors elevations include versatile brick exteriors, covered back patios, fully sodded yards, and low maintenance landscape package. Integrated into this home, so you never feel far, is our Smart Home Technology Package. Find security and control from your fingertips through your smartphone. Furthermore, each home comes with our unrivaled warranties and an Energy Star certification, assuring your home is as energy efficient as possible. Contact us today for your personal tour of the Bellvue!

Key facts

• Tile backsplash
• Walk-in pantry
• 6,098 sq ft lot

Tags

• CEDAR CREEK COMMUNITY
• MODERN OPEN FLOOR PLAN
• GRANITE ISLAND AND COUNTERTOPS
• TILE BACKSPLASH
• STAINLESS STEEL APPLIANCES
• WALK-IN PANTRY

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $224k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-15 ($-182/yr) — negative.
• To cash-flow at today's rent, offer at most $222k (1.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $199k (11.5% below list).
• Recommended offer: $199k (11.5% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 4.9% in Lafayette — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 70/100 on livability (#63 in LA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, employment C-, crime 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.
• Zoned schools: Evangeline Elementary School (math 20% / reading 33%, grade F, #372 of 646 statewide, top 58%, 613 students, 84% FRL); Acadian Middle School (math 13% / reading 27%, grade F, #166 of 218 statewide, top 76%, 372 students, 74% FRL); Northside High School (math 17% / reading 22%, grade F, #186 of 265 statewide, top 73%, 655 students, 83% FRL) — zoned schools average 80% FRL vs 56% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 22% at this address vs 42% district-wide (-20 pts) — the specific schools serving this property underperform the Lafayette Parish average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+7.3%/yr); 406 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 1,585 units permitted in Lafayette Parish in 2024 (10 in 5+ unit buildings).
• At $1,986/mo this rent would consume 71% of the median local household income ($33k/yr) (locally 18% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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 16 days — a 2% lower offer ($221k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts 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.

Recommended offer $198,647 (11.5% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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. 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: 0.88% ✗
• Cap rate: 6.21%
• Cash-on-cash: -0.29%
• DSCR: 0.99
• GRM: 9.4

CMA / ARV

• ARV (median comp): $240,579
• List price: $224,500
• Delta: -6.68%
• 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
331 White Pine Dr	0.00mi	3/2.0	1,447 (0%)	11mo	$224,500	$155	91
322 White Pine Dr	0.00mi	3/2.0	1,447 (0%)	11mo	$228,000	$158	91
334 White Pine Dr	0.02mi	3/2.0	1,447 (0%)	11mo	$228,000	$158	90
345 White Pine Dr	0.00mi	3/2.0	1,613 (+12%)	0mo	$239,500	$148	81
319 White Pine Dr	0.00mi	3/2.0	1,613 (+12%)	7mo	$235,500	$146	75
333 White Pine Dr	0.00mi	3/2.0	1,613 (+12%)	7mo	$235,000	$146	75
336 White Pine Dr	0.02mi	3/2.0	1,616 (+12%)	8mo	$242,000	$150	73
205 Red Pine Dr	0.18mi	4/2.0 (+1)	1,605 (+11%)	1mo	$220,500	$137	67
1244 E Alexander St	0.23mi	2/2.0 (-1)	1,540 (+6%)	8mo	$155,000	$101	67
216 Begnaud Dr	0.54mi	3/2.0	1,607 (+11%)	4mo	$225,000	$140	53
106 Kingswood Dr	0.56mi	3/2.0	1,576 (+9%)	7mo	$169,000	$107	53
627 Teurlings Dr	0.52mi	3/1.5	1,282 (-11%)	3mo	$69,900	$55	52

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 · 7.35% rent growth · sell at horizon

5-year hold

• IRR: -11.9%
• Equity multiple: 0.55×
• Total profit: $-28,219
• Equity at exit: $33,474

10-year hold

• IRR: 2.8%
• Equity multiple: 1.24×
• Total profit: $15,131
• Equity at exit: $19,411

Cash invested: $62,860 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 17 active · 16 under contract
• Months of supply: 7.8 mo (13%/mo absorbed)
• Median asking: $220,000 ($140/sqft)
• Median days on market: 29 d
• This list price: 65% of active listings are priced below it
• ARV vs active asking: +19.0% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 70501

• Rents YoY: 7.3%
• Active inventory: 406
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,986 high
• Mortgage (P&I): −$1,177
• Tax est. 1.5%: −$281 /mo · $3,368/yr
• Insurance: −$94
• HOA: −$33
• Vacancy / Maint / Mgmt: −$417
• Net cashflow: $-15

Break-even live

Break-even rent $2,006

Max offer price $222,307

Occupancy floor 96%

Sensitivity live

Price	-10% $140	-5% $62	+0% $-15	+5% $-93	+10% $-170
Rent	-10% $-172	-5% $-94	+0% $-15	+5% $63	+10% $142
Rate	-1.0pp $98	-0.5pp $42	base $-15	+0.5pp $-73	+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: $56,125
• Closing costs: $6,735
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
406 Starlight Dr Lafayette, LA	4.0	2.0	1867	$3,500	$1.87	0d	1	0.27mi
406 Starlight Dr Lafayette, LA	4.0	2.0	1867	$3,500	$1.87	5d	1	0.27mi
406 Starlight Dr Lafayette, LA	4.0	2.0	1867	$3,500	$1.87	15d	1	0.27mi
121 Rue Viansa Lafayette, LA	4.0	2.0	1684	$1,925	$1.14	7d	1	0.37mi
121 Rue Viansa Lafayette, LA	4.0	3.0	1684	$1,925	$1.14	0d	1	0.37mi
510 Winnipeg Ave Lafayette, LA	3.0	2.0	1700	$1,950	$1.15	12d	1	0.58mi
510 Winnipeg Ave Lafayette, LA	3.0	2.0	1700	$1,950	$1.15	0d	1	0.58mi
2826 Louisiana Ave #1111 Lafayette, LA	2.0	2.0	1140	$1,200	$1.05	185d	1	0.73mi
2826 Louisiana Ave #907 Lafayette, LA	2.0	2.5	1100	$950	$0.86	0d	1	0.73mi
2820 Louisiana Ave Lafayette, LA	1.0–3.0	1.0–2.0	876	$1,145	$1.31	36d	22	0.74mi
2830 Louisiana Ave #6 Lafayette, LA	2.0	1.5	1100	$950	$0.86	154d	1	0.82mi
610 Sunset Dr Lafayette, LA	2.0	1.0	1000	$800	$0.80	184d	1	1.04mi
245 Sherwood Dr Lafayette, LA	3.0	1.0	1299	$1,195	$0.92	51d	1	1.19mi
204 Debaillon St Lafayette, LA	2.0	1.0	900	$800	$0.89	47d	1	1.27mi
153 Sherwood Dr Lafayette, LA	3.0	2.0	1110	$1,200	$1.08	14d	1	1.32mi
126 Sherwood Dr Lafayette, LA	3.0	1.0	1200	$1,100	$0.92	10d	1	1.37mi
222 Winsor Dr Lafayette, LA	4.0	2.0	1648	$1,700	$1.03	7d	1	1.40mi
222 Winsor Dr Lafayette, LA	4.0	2.0	1648	$1,700	$1.03	47d	1	1.40mi
113 Fred St Lafayette, LA	4.0	1.5	1670	$1,100	$0.66	10d	1	1.45mi
204 Winsor Dr Lafayette, LA	3.0	2.0	1244	$1,500	$1.21	20d	1	1.49mi
204 Winsor Dr Lafayette, LA	3.0	2.0	1244	$1,500	$1.21	14d	1	1.49mi

Property features AI

Finance

• HOA & community: Annual association fee of $400, including managementCommunity playground

Exterior

• Parking: Two-car garageGarage door opener
• Utilities: Public waterPublic sewerCable available
• Home design: Single-family residenceTraditional styleOne story
• Construction: Post-tension foundationComposition roof
• Exterior features: Level lotExterior lighting

Interior

• Kitchen: Kitchen islandPantryDisposal, dishwasher, gas range, microwave, gas stove connection
• Flooring: Carpet, laminate, tile, wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heatingNatural gas heatingCentral air
• Interior features: Double vanityVaried ceiling heightsDouble-pane windows
• Laundry & utility: Electric dryer hookupWasher hookup

HOA detail $33/mo · $396/yr

• Likely covers: security

Listing history 50 events

1. 2026-11-08
   days on market $224,500 Active 16 DOM
2. 2026-11-07
   days on market $224,500 Active 15 DOM
3. 2026-11-06
   days on market $224,500 Active 14 DOM
4. 2026-11-05
   days on market $224,500 Active 13 DOM
5. 2026-11-04
   days on market $224,500 Active 12 DOM
6. 2026-11-02
   days on market $224,500 Active 10 DOM
7. 2026-11-01
   days on market $224,500 Active 9 DOM
8. 2026-10-31
   days on market $224,500 Active 8 DOM
9. 2026-10-30
   days on market $224,500 Active 7 DOM
10. 2026-10-29
    days on market $224,500 Active 6 DOM
11. 2026-10-28
    days on market $224,500 Active 5 DOM
12. 2026-10-27
    days on market $224,500 Active 4 DOM
13. 2026-10-26
    days on market $224,500 Active 3 DOM
14. 2026-10-25
    days on market $224,500 Active 2 DOM
15. 2026-10-24
    days on marketlisting id $224,500 Active 1 DOM
16. 2026-10-23
    days on market $224,500 Active 110 DOM
17. 2026-10-22
    days on market $224,500 Active 109 DOM
18. 2026-10-21
    days on market $224,500 Active 108 DOM
19. 2026-10-20
    days on market $224,500 Active 107 DOM
20. 2026-10-19
    days on market $224,500 Active 106 DOM
21. 2026-10-18
    days on market $224,500 Active 105 DOM
22. 2026-10-17
    days on market $224,500 Active 104 DOM
23. 2026-10-16
    days on market $224,500 Active 103 DOM
24. 2026-10-15
    days on market $224,500 Active 102 DOM
25. 2026-10-14
    days on market $224,500 Active 101 DOM
26. 2026-10-13
    days on market $224,500 Active 100 DOM
27. 2026-10-12
    days on market $224,500 Active 99 DOM
28. 2026-10-11
    days on market $224,500 Active 98 DOM
29. 2026-10-10
    days on market $224,500 Active 97 DOM
30. 2026-10-09
    days on market $224,500 Active 96 DOM
31. 2026-10-08
    days on market $224,500 Active 95 DOM
32. 2026-10-07
    days on market $224,500 Active 94 DOM
33. 2026-10-06
    days on market $224,500 Active 93 DOM
34. 2026-10-05
    days on market $224,500 Active 92 DOM
35. 2026-10-04
    days on market $224,500 Active 91 DOM
36. 2026-10-03
    days on market $224,500 Active 90 DOM
37. 2026-10-03
    days on market $224,500 Active 89 DOM
38. 2026-10-01
    days on market $224,500 Active 88 DOM
39. 2026-09-30
    days on market $224,500 Active 87 DOM
40. 2026-09-29
    days on market $224,500 Active 86 DOM
41. 2026-09-28
    days on market $224,500 Active 85 DOM
42. 2026-09-27
    days on market $224,500 Active 84 DOM
43. 2026-09-26
    days on market $224,500 Active 83 DOM
44. 2026-09-25
    days on market $224,500 Active 82 DOM
45. 2026-09-24
    days on market $224,500 Active 81 DOM
46. 2026-09-24
    days on market $224,500 Active 80 DOM
47. 2026-09-22
    days on market $224,500 Active 79 DOM
48. 2026-09-21
    days on market $224,500 Active 78 DOM
49. 2026-09-20
    days on market $224,500 Active 77 DOM
50. 2026-09-19
    days on market $224,500 Active 76 DOM

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

Taxation est. · year 1

• Rental income: $23,838
• − Mortgage interest: −$12,575
• − Property taxes: −$3,368
• − Insurance: −$1,122
• − Repairs & maintenance: −$1,907
• − Management: −$1,907
• − HOA: −$396
• − Depreciation: −$6,531
• Taxable loss: −$3,969
• Est. tax savings @ 24.0%: +$953
• After-tax cash flow: $771/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.

Condition & rehab AI · 22 photos

Good 80/100 None rehab

This home is in excellent condition with new finishes and a fresh paint job, making it move-in ready and ideal for both resale and rental markets.

Value-add opportunities

• Resale Painting exterior siding — Enhances curb appeal ↑
• Both Replace carpet with hardwood flooring in bedrooms — Improves both resale and rental value ↑
• Both Install smart home devices — Enhances convenience and marketability ↑

F Composite school gradezoned avg 22/100

Zoned Schools

Elementary Evangeline Elementary School F LA #372/646 Nat'l #29,439/41,679 Middle Acadian Middle School F LA #166/218 Nat'l #11,652/14,009 High Northside High School F LA #186/265 Nat'l #14,491/17,239

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

B Composite livability gradescore 70/100

Livability — Lafayette

• Score: 70/100
• State rank: #63
• US rank: #8133

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lafayette, LA
• County: Lafayette Parish · 280,930 people
• City population: 158,114
• Metro: Lafayette, LA
• Population (ZIP): 26,465
• Household income: $33,365
• Rent vs Own: 58.8% rent · 41.2% own
• Severe rent burden: 18% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (73%)
• Race & ethnicity: Black 73% White 18% Two or more races 6% Hispanic / Latino 4%
• Languages at home: 95% English-only · Spanish 3% French/Haitian/Cajun 2%

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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: ▼ -108.63%
• Current HPI: 81.2963
• Rent YoY: ▲ 7.35%
• Metro: Lafayette, LA
• State GDP YoY: ▲ 3.29%
• F500 in state: 10

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Industry mix (Fortune 500 HQ in LA)

Industry	F500 HQs	Revenue
▸Telecommunications	2	$23B
▸Utilities	1	$12B
▸Wholesale / Distribution	1	$5B
▸Advertising	1	$2B

Property features AI

Finance

• HOA & community: Annual association fee of $400, including managementCommunity playground

Exterior

• Parking: Two-car garageGarage door opener
• Utilities: Public waterPublic sewerCable available
• Home design: Single-family residenceTraditional styleOne story
• Construction: Post-tension foundationComposition roof
• Exterior features: Level lotExterior lighting

Interior

• Kitchen: Kitchen islandPantryDisposal, dishwasher, gas range, microwave, gas stove connection
• Flooring: Carpet, laminate, tile, wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heatingNatural gas heatingCentral air
• Interior features: Double vanityVaried ceiling heightsDouble-pane windows
• Laundry & utility: Electric dryer hookupWasher hookup

Price history

+0.0% since first listed

7 events — show timeline

• 2026-08-25 Relisted — Zillow
• 2026-08-24 Relisted — AcadianaMLS
• 2026-07-15 Pending — AcadianaMLS
• 2026-07-14 Delisted — Zillow
• 2026-06-09 Listed $224,500 Zillow
• 2026-05-26 Listed $224,500 ROAM MLS
• 2026-05-26 Listed $224,500 AcadianaMLS