220 Lantana Ln · Huntsville, TX 77340

$211,990

4 bd · 2.5 ba · 1,922 sqft · SingleFamily · 45 Days on market

Built 2025 Excellent condition 2-car garage $33/mo HOA · 2% of rent ↓ 26% since listing

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Why this score? — see what drove the F 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 +7.9/30.0
• ARV discount +7.5/15.0
• Condition / age +4.8/5.0
• Livability +3.2/5.0
• Rent growth +2.8/5.0
• 1% rule +2.5/10.0
• Schools +2.1/10.0
• DSCR +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

NEW! Lennar Watermill Collection "Littleton" Plan with Brick Elevation "K1" in the new community of The Reserve at Huntsville! On the first floor of this spacious two-story home is a convenient and modern layout seamlessly connecting the kitchen, dining room and family room together. In a private corner is the tranquil owner’s suite with an attached bathroom and walk-in closet. Upstairs is a sprawling central game room made for gatherings of all sizes, along with three secondary bedrooms to provide sleeping accommodations to family members and guests.

Key facts

• 2 garage spots
• Built 2025
• Listed 44 days

🏗️ New construction. The $211,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $249,310.

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $212k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-271 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $210k (0.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $188k (11.3% below list).
• Recommended offer: $188k (11.3% below list) — sets the bar for 1% rule.
• Cap rate 5.0% vs local median 3.0% in Huntsville — 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 63/100 on livability (#825 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+; Watch: amenities C-, crime D-, commute F.
• Huntsville ISD (town): math 25% / reading 37% proficiency, ranked #621 of 826 in TX (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Samuel Houston El (math 17% / reading 17%, grade F, #3,836 of 4,322 statewide, top 91%, 437 students, 79% FRL); Mance Park Middle (math 26% / reading 25%, grade F, #1,236 of 1,662 statewide, top 76%, 904 students, 74% FRL); Huntsville H S (math 13% / reading 25%, grade F, #1,431 of 1,632 statewide, top 88%, 1,797 students, 68% FRL) — zoned schools average 74% FRL vs 42% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.3%/yr); 818 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); 527 units permitted in Walker County in 2024 (0 in 5+ unit buildings).
• At $1,879/mo this rent would consume 46% of the median local household income ($49k/yr) — 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.
• Walker County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($206k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $74k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $187,944 (11.3% 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 45 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. Crime grade is D 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?
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: 0.75% ✗
• Cap rate: 4.99%
• Cash-on-cash: -4.66%
• DSCR: 0.79
• GRM: 11.1

CMA / ARV

• ARV (median comp): $249,310
• List price: $211,990
• Delta: -14.97%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
220 Lantana Ln	0.00mi	4/2.5	1,922 (0%)	4mo	$285,990	$149	97
604 Monarch Trl	0.08mi	4/2.5	1,922 (0%)	3mo	$239,990	$125	94
434 Monarch Trl	0.11mi	4/3.0	2,060 (+7%)	2mo	$278,630	$135	79
406 Monarch Trl	0.09mi	4/3.0	2,060 (+7%)	4mo	$266,630	$129	78
417 Monarch Trl	0.04mi	4/2.0	1,749 (-9%)	6mo	$249,080	$142	76
410 Monarch Trl	0.08mi	4/2.0	1,751 (-9%)	6mo	$239,000	$136	74
606 Monarch Trl	0.07mi	4/2.0	1,716 (-11%)	4mo	$263,990	$154	73
218 Lantana Ln	0.01mi	4/2.0	1,676 (-13%)	4mo	$261,990	$156	73
102 Lantana Ln	0.15mi	4/2.0	1,751 (-9%)	4mo	$239,999	$137	73
518 Monarch Trl	0.09mi	4/2.0	1,749 (-9%)	8mo	$234,999	$134	72
206 Lantana Ln	0.07mi	4/2.0	1,676 (-13%)	2mo	$209,990	$125	72
418 Monarch Trl	0.08mi	4/2.5	2,198 (+14%)	3mo	$298,075	$136	70

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 · 1.27% rent growth · sell at horizon

5-year hold

• IRR: -26.2%
• Equity multiple: 0.13×
• Total profit: $-60,837
• Equity at exit: $37,173

10-year hold

• IRR: -29.9%
• Equity multiple: -0.26×
• Total profit: $-87,764
• Equity at exit: $21,556

Cash invested: $69,807 (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 →

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

Active competition Active MLS

• For sale now: 38 active · 20 under contract
• Months of supply: 14.2 mo (7%/mo absorbed)
• Median asking: $249,945 ($135/sqft)
• Median days on market: 119 d
• This list price: 16% of active listings are priced below it
• ARV vs active asking: -3.8% vs current asking $/sqft

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

ZIP-level market 77340

• Home prices YoY: -30.6%
• Rents YoY: 1.3%
• Active inventory: 818
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,879 medium
• Mortgage (P&I): −$1,307
• Tax est. 1.5%: −$312 /mo · $3,740/yr
• Insurance: −$104
• HOA: −$33
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $-271

Break-even live

Break-even rent $2,223

Max offer price $210,072

Occupancy floor —

Sensitivity live

Price	-10% $-99	-5% $-185	+0% $-271	+5% $-357	+10% $-443
Rent	-10% $-420	-5% $-345	+0% $-271	+5% $-197	+10% $-123
Rate	-1.0pp $-146	-0.5pp $-208	base $-271	+0.5pp $-336	+1.0pp $-401

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: $62,328
• Closing costs: $7,479
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3272 State Highway 30 Huntsville, TX	1.0–3.0	1.0–2.0	1070	$2,155	$2.01	2d	135	0.29mi
149 Col Etheredge Blvd Huntsville, TX	1.0–3.0	1.0–3.0	993	$1,735	$1.75	2d	8	0.82mi
136 Col Etheredge Blvd Huntsville, TX	3.0	3.0	1249	$1,650	$1.32	4d	1	0.83mi
172 Ravenwood Village Dr Huntsville, TX	1.0–3.0	1.0–2.0	966	$1,719	$1.78	2d	14	1.03mi
2543 Pine Shadows Dr Huntsville, TX	4.0	4.0	1572	$689	$0.44	6d	1	1.21mi

Property features AI

Finance

• HOA & community: HOA managed by CH & P ManagementAnnual association fee of $400

Exterior

• Parking: Attached 2-car garage
• Utilities: Electric coolingGas heating
• Home design: Residential propertyUnder construction (new construction)Single-family style with slab foundation
• Construction: Built in 2025Brick and cement siding exteriorComposition roofSlab foundation
• Exterior features: Subdivision lot

Interior

• Kitchen: Kitchen on first floor
• Bedrooms: Primary bedroom on first floor (13 x 15)Three additional bedrooms on second floor (10 x 11; 10 x 10; 10 x 10)
• Bathrooms: 2 full bathrooms1 half bathroom
• Heating & cooling: Central heating (gas)Central air conditioning (electric)
• Interior features: Game room on second floorDining room on first floorFamily room on first floor

HOA detail $33/mo · $396/yr

• Likely covers: water

Listing history 11 events

1. 2026-05-14
   status Active
2. 2026-05-14
   price $211,990
3. 2026-04-27
   historical
4. 2026-04-27
   price $234,990
5. 2026-04-21
   price $221,990
6. 2026-04-16
   price $227,890
7. 2026-04-13
   price $239,740
8. 2026-04-07
   price $251,590
9. 2026-03-31
   price $263,740
10. 2026-03-26
    price $276,990
11. 2026-03-26
    listed $285,990 Active

ⓘ 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: $22,553
• − Mortgage interest: −$13,965
• − Property taxes: −$3,740
• − Insurance: −$1,247
• − Repairs & maintenance: −$1,804
• − Management: −$1,804
• − HOA: −$396
• − Depreciation: −$7,253
• Taxable loss: −$7,655
• Est. tax savings @ 24.0%: +$1,837
• After-tax cash flow: $-1,417/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 · 13 photos

Excellent 95/100 None rehab

This home is in excellent condition with a modern kitchen, well-maintained exterior, and a spacious layout. It is move-in ready and would benefit from a fresh coat of paint and a smart home system to further enhance its appeal.

Value-add opportunities

• Resale Painting the exterior brick and adding a fresh coat of paint to the interior walls — Fresh paint can enhance the curb appeal and make the home look more inviting to potential buyers. ↑
• Both Adding a smart home system — A smart home system can improve convenience and energy efficiency, making the home more attractive to both buyers and renters. ↑

F Composite school gradezoned avg 20/100

Zoned Schools

Elementary Samuel Houston El F TX #3,836/4,322 Nat'l #35,191/41,679 Middle Mance Park Middle F TX #1,236/1,662 Nat'l #10,204/14,009 High Huntsville H S F TX #1,431/1,632 Nat'l #14,670/17,239

Schools (NCES district)

• District: Huntsville ISD
• NCES district ID: 4824030
• Math proficiency: 25% ▼ -6.00%
• Reading proficiency: 37% ▼ -2.00%
• Median HH income: $36,597
• Composite: 25.71/100
• National rank: #7383
• State rank: #621 of 826 in TX

C Composite livability gradescore 63/100

Livability — Huntsville

• Score: 63/100
• State rank: #825
• US rank: #14909

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntsville, TX
• County: Walker County · 77,602 people
• City population: 75,669
• Metro: Huntsville, TX
• Population (ZIP): 37,517
• Household income: $48,538
• Rent vs Own: 52.4% rent · 47.6% own
• Severe rent burden: 13% of renters

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Population outlook (Walker County) Hauer SSP2

• Today (2025): 77,602 people
• By 2030: 82,007 · +5.7%
• By 2040: 90,436 · +16.5%
• By 2050: 100,240 · +29.2%
• By 2075: 123,667 · +59.4%
• By 2100: 135,073 · +74.1%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 54% Black 20% Hispanic / Latino 19% Two or more races 10% Asian 2%
• Hispanic origin (detail): Mexican 16%
• Common ancestry: Italian 3% Lithuanian 2% Serbian 2%
• Foreign-born: 7% · Canada
• Languages at home: 83% English-only · Spanish 13% Other Asian/Pacific 1% Tagalog/Filipino 1%

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Political lean MEDSL · Walker

• 2024 margin: Solid R (+40.0) · D 29.6% · R 69.6%
• 2008→2024 swing: -17.6pp toward R · 2008: -22.4pp · 2024: -40.0pp
• All cycles: 2024: R+40.0 2020: R+31.7 2016: R+34.5 2012: R+28.4 2008: R+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -80.44%
• Current HPI: 182.8905
• Rent YoY: ▲ 1.27%
• Metro: Huntsville, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

Property features AI

Finance

• HOA & community: HOA managed by CH & P ManagementAnnual association fee of $400

Exterior

• Parking: Attached 2-car garage
• Utilities: Electric coolingGas heating
• Home design: Residential propertyUnder construction (new construction)Single-family style with slab foundation
• Construction: Built in 2025Brick and cement siding exteriorComposition roofSlab foundation
• Exterior features: Subdivision lot

Interior

• Kitchen: Kitchen on first floor
• Bedrooms: Primary bedroom on first floor (13 x 15)Three additional bedrooms on second floor (10 x 11; 10 x 10; 10 x 10)
• Bathrooms: 2 full bathrooms1 half bathroom
• Heating & cooling: Central heating (gas)Central air conditioning (electric)
• Interior features: Game room on second floorDining room on first floorFamily room on first floor

Price history

-25.9% since first listed

11 events — show timeline

• 2026-05-14 Relisted — HARMLS
• 2026-05-14 Price Changed $211,990 HARMLS
• 2026-04-27 Price Changed $234,990 HARMLS
• 2026-04-27 Listing Removed — HARMLS
• 2026-04-21 Price Changed $221,990 HARMLS
• 2026-04-16 Price Changed $227,890 HARMLS
• 2026-04-13 Price Changed $239,740 HARMLS
• 2026-04-07 Price Changed $251,590 HARMLS
• 2026-03-31 Price Changed $263,740 HARMLS
• 2026-03-26 Price Changed $276,990 HARMLS
• 2026-03-26 Listed $285,990 HARMLS