2725 63rd St · Lubbock, TX 79413

$169,500

3 bd · 2.0 ba · 1,624 sqft · SingleFamily public records · 60 Days on market

Built 1957 6,952 sqft lot $104/sqft · 51% below area

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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 +15.4/30.0
• ARV discount +7.5/15.0
• DSCR +4.7/10.0
• Livability +4.0/5.0
• 1% rule +3.7/10.0
• Schools +3.1/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This updated home offers a strong opportunity for both investors and first time buyers. With 3 bedrooms and 2 baths, the layout is functional and appealing for long term tenants or comfortable everyday living. The home has been fully updated with new interior and exterior paint, updated flooring, remodeled bathrooms, and a renovated kitchen featuring all new appliances. Major improvements including new windows, a new HVAC system, and a new fence. For investors, this is a move in ready property with solid rental potential. For first time buyers, it offers a clean, updated space where you can settle in and start building equity right away. A well rounded property that checks the boxes for both comfort and investment potential. Schedule your showing today.

Key facts

• Renovated kitchen
• New appliances
• Updated flooring

Tags

• UPDATED FLOORING
• REMODELED BATHROOMS
• RENOVATED KITCHEN
• NEW APPLIANCES
• NEW WINDOWS
• NEW HVAC SYSTEM

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $64 ($767/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $148k (12.5% below list).
• Recommended offer: $148k (12.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 80/100 on livability (#37 in TX, #1,749 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, schools D+, crime F.
• Lubbock ISD (urban): math 36% / reading 39% proficiency, ranked #481 of 826 in TX (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+1.9%/yr); 183 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,219 units permitted in Lubbock County in 2024 (252 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Lubbock County population projected at +39% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 60 days — a 3% lower offer ($164k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask is 10500% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• 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 $148,268 (12.5% below list)

Questions for the listing agent

1. It's been on market 60 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
2. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.87% ✗
• Cap rate: 6.75%
• Cash-on-cash: 1.62%
• DSCR: 1.07
• GRM: 9.5

CMA / ARV

• ARV (median comp): $347,239
• List price: $169,500
• Delta: -51.19%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 1.94% rent growth · sell at horizon

5-year hold

• IRR: -14.9%
• Equity multiple: 0.47×
• Total profit: $-24,977
• Equity at exit: $25,273

10-year hold

• IRR: -8.0%
• Equity multiple: 0.52×
• Total profit: $-22,861
• Equity at exit: $14,655

Cash invested: $47,460 (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 79413

• Rents YoY: 1.9%
• Active inventory: 183
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,483 high
• Mortgage (P&I): −$889
• Tax from tax record: −$148 /mo · $1,775/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $64

Break-even live

Break-even rent $1,402

Max offer price $169,500

Occupancy floor 91%

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: $42,375
• Closing costs: $5,085
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2725 63rd St Unit FS Lubbock, TX	3.0	2.0	1624	$1,599	$0.98	43d	1	0.03mi
2707 63rd St Lubbock, TX	3.0	1.0	1080	$1,050	$0.97	13d	1	0.11mi
2817 63rd St Lubbock, TX	3.0	1.0	1125	$1,250	$1.11	21d	1	0.12mi
2821 61st St Lubbock, TX	3.0	1.0	1230	$1,100	$0.89	43d	1	0.17mi
2827 66th St Lubbock, TX	3.0	1.0	1190	$1,200	$1.01	21d	1	0.23mi
2730 68th St Lubbock, TX	4.0	3.0	2050	$1,999	$0.98	21d	1	0.29mi
2726 68th St Lubbock, TX	4.0	2.0	1524	$1,800	$1.18	43d	1	0.30mi
2823 54th St Lubbock, TX	3.0	2.0	1725	$1,825	$1.06	43d	1	0.56mi
3236 63rd St Lubbock, TX	3.0	2.5	1818	$1,524	$0.84	13d	1	0.57mi
6911 Gary Ave Unit A Lubbock, TX	3.0	2.0	1154	$1,125	$0.97	43d	1	0.61mi
6711 Hartford Ave Unit A Lubbock, TX	2.0	1.5	1165	$975	$0.84	43d	1	0.63mi
2115 66th St Lubbock, TX	4.0	2.0	2160	$1,795	$0.83	21d	1	0.73mi
2121 56th St Lubbock, TX	3.0	2.0	2047	$1,999	$0.98	21d	1	0.78mi
3107 75th St Unit B Lubbock, TX	2.0	2.0	1400	$1,250	$0.89	21d	1	0.87mi
7304 Avenue W Lubbock, TX	3.0	2.0	1500	$999	$0.67	13d	1	0.88mi
7406 Waco Ave Unit C Lubbock, TX	2.0	1.0	1831	$750	$0.41	43d	1	0.92mi
2128 74th St Lubbock, TX	3.0	2.5	1132	$1,350	$1.19	21d	1	0.92mi
3423 56th St Lubbock, TX	3.0	2.0	2224	$1,895	$0.85	43d	1	0.95mi
3307 74th St Unit A Lubbock, TX	3.0	2.5	2024	$1,540	$0.76	43d	1	0.96mi
1923 67th St Lubbock, TX	4.0	2.0	1467	$1,525	$1.04	43d	1	0.97mi
3019 47th St Lubbock, TX	3.0	2.0	1298	$1,400	$1.08	21d	1	1.03mi
2101 51st St Lubbock, TX	2.0	1.5	1100	$900	$0.82	21d	1	1.09mi
2612 81st St Unit B Lubbock, TX	2.0	2.0	1150	$1,100	$0.96	43d	1	1.11mi
2316 47th St Lubbock, TX	3.0	2.0	1285	$1,400	$1.09	21d	1	1.12mi
1927 71st St Lubbock, TX	4.0	2.0	1807	$1,600	$0.89	21d	1	1.14mi
1921 S Loop 289 Lubbock, TX	3.0	2.0	1121	$1,100	$0.98	43d	1	1.15mi
5330 Kenosha Ave Lubbock, TX	2.0	1.5	1300	$1,050	$0.81	43d	1	1.15mi
1940 77th St Lubbock, TX	3.0	2.0	1700	$1,500	$0.88	43d	1	1.16mi
3415 49th St Unit B Lubbock, TX	3.0	2.0	1410	$1,350	$0.96	43d	1	1.17mi
5324 Kenosha Ave Lubbock, TX	2.0	1.5	1300	$950	$0.73	13d	1	1.17mi
5302 Kenosha Ave Unit 5324 Kenosha Lubbock, TX	2.0	1.5	1300	$950	$0.73	13d	1	1.17mi
5302 Kenosha Ave Unit 5330 Lubbock, TX	2.0	1.5	1300	$1,050	$0.81	43d	1	1.17mi
2611 44th St Lubbock, TX	3.0	1.0	1200	$1,395	$1.16	43d	1	1.18mi
3311 79th St Lubbock, TX	2.0	1.0	1391	$1,249	$0.90	43d	1	1.20mi
5202 Kenosha Ave Lubbock, TX	2.0	1.0–1.5	1082	$1,022	$0.94	21d	1	1.20mi
3312 47th St Lubbock, TX	3.0	2.0	1880	$1,795	$0.95	43d	1	1.20mi
2107 48th St Lubbock, TX	3.0	1.0	1956	$1,200	$0.61	43d	1	1.21mi
2815 43rd St Unit 11 Lubbock, TX	2.0	1.0	1085	$800	$0.74	21d	1	1.21mi
1923 76th St Lubbock, TX	3.0	2.0	1622	$1,699	$1.05	43d	1	1.21mi
3105 44th St Lubbock, TX	3.0	2.0	1348	$1,375	$1.02	21d	1	1.22mi

Listing history 20 events

1. 2026-06-18
   days on market $169,500 Active 60 DOM
2. 2026-06-17
   days on market $169,500 Active 59 DOM
3. 2026-06-16
   days on market $169,500 Active 58 DOM
4. 2026-06-15
   days on market $169,500 Active 57 DOM
5. 2026-06-14
   days on market $169,500 Active 55 DOM
6. 2026-06-13
   days on market $169,500 Active 54 DOM
7. 2026-06-10
   days on market $169,500 Active 52 DOM
8. 2026-06-09
   days on market $169,500 Active 51 DOM
9. 2026-06-08
   days on market $169,500 Active 50 DOM
10. 2026-06-07
    days on market $169,500 Active 49 DOM
11. 2026-06-05
    days on market $169,500 Active 46 DOM
12. 2026-06-03
    days on market $169,500 Active 45 DOM
13. 2026-06-02
    days on market $169,500 Active 44 DOM
14. 2026-06-01
    days on market $169,500 Active 43 DOM
15. 2026-05-31
    days on market $169,500 Active 42 DOM
16. 2026-05-30
    days on market $169,500 Active 41 DOM
17. 2026-05-02
    listed $1,599
18. 2026-04-18
    listed $169,500 Active 763-char remark

    Show marketing remark (763 chars)

    This updated home offers a strong opportunity for both investors and first time buyers. With 3 bedrooms and 2 baths, the layout is functional and appealing for long term tenants or comfortable everyday living. The home has been fully updated with new interior and exterior paint, updated flooring, remodeled bathrooms, and a renovated kitchen featuring all new appliances. Major improvements including new windows, a new HVAC system, and a new fence. For investors, this is a move in ready property with solid rental potential. For first time buyers, it offers a clean, updated space where you can settle in and start building equity right away. A well rounded property that checks the boxes for both comfort and investment potential. Schedule your showing today.

19. 2026-03-04
    price $169,500
20. 1983-04-01
    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: $1,775 · $148/mo
• Projected year-2 tax: $3,102 · $258/mo
• Expected delta: +$1,327/yr (+$111/mo · 74.8%)

ⓘ 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 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,792
• − Mortgage interest: −$9,495
• − Property taxes: −$1,775
• − Insurance: −$848
• − Repairs & maintenance: −$1,423
• − Management: −$1,423
• − Depreciation: −$4,931
• Taxable loss: −$2,102
• Est. tax savings @ 24.0%: +$505
• After-tax cash flow: $1,272/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: Lubbock ISD
• NCES district ID: 4828500
• Math proficiency: 36% ▼ -8.00%
• Reading proficiency: 39% ▼ -1.00%
• Median HH income: $39,820
• Composite: 31.44/100
• National rank: #5984
• State rank: #481 of 826 in TX

Livability — Lubbock

• Score: 80/100
• State rank: #37
• US rank: #1749

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lubbock, TX
• County: Lubbock County · 293,542 people
• City population: 283,030
• Metro: Lubbock, TX
• Population (ZIP): 23,343
• Household income: $69,400
• Rent vs Own: 43.9% rent · 56.1% own
• Severe rent burden: 1211.0

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: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 54% Hispanic / Latino 34% Two or more races 18% Black 6%
• Hispanic origin (detail): Mexican 25%
• Common ancestry: Slovak 2% Italian 2% Serbian 1%
• Foreign-born: 3% · Canada, China
• Languages at home: 88% English-only · Spanish 10% Chinese 1%

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: ▼ -145.52%
• Current HPI: 239.8854
• Rent YoY: ▲ 1.94%
• 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

-99.1% since first listed

4 events — show timeline

• 2026-05-02 Listed for Rent $1,599 SHOWMOJO
• 2026-04-18 Listed $169,500 LARMLS
• 2026-03-04 Price Changed $169,500 LARMLS
• 1983-04-01 Sold (Public Records) — Public Records

Property tax history

+2.6%/yr

Latest (2025): $1,775 · -28.4% YoY. Source: county tax records.