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19914 River Brook Dr
D Composite 40.85
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 +10.6/30.0
  • ARV discount +6.7/15.0
  • Appreciation +4.5/10.0
  • Schools +3.9/10.0
  • 1% rule +3.6/10.0
  • Livability +3.5/5.0
  • DSCR +3.1/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$215,000

19914 River Brook Dr · Atascocita, TX 77346
3 bd · 2.0 ba · 1,451 sqft · SingleFamily public records · 126 Days on market
Built 1983 5,776 sqft lot $148/sqft · at area comps Est $211k · at est. $21/mo HOA · 1% of rent

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome home to this charming and well-maintained 3-bedroom, 2-bath residence filled with character and warmth. The recently updated kitchen features butcher block countertops and freshly painted white cabinetry, blending classic charm with modern touches. Major upgrades include a newer roof, new HVAC system, new hot water heater, updated bathroom countertops, and fresh paint throughout, offering peace of mind for the next owner. The spacious primary bedroom provides a comfortable retreat, while the generous living areas create an inviting atmosphere for everyday living and entertaining. Step outside and unwind in the peaceful backyard with a deck. It's perfect for relaxing, gardening, or enjoying quiet evenings. Located in a serene community with a playground, walking trails, and picnic areas, this home also offers convenient access to the airport, local shopping, and grocery stores. Don’t miss the opportunity to make this charming home your own.

Key facts

  • Newer roof
  • New hot water heater
  • Peaceful backyard

Tags

BUTCHER BLOCK COUNTERTOPSNEWER ROOFNEW HVAC SYSTEMNEW HOT WATER HEATERUPDATED BATHROOM COUNTERTOPSPEACEFUL BACKYARD

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $215k.

Deal economics

  • At list price, monthly cash flow is $-106 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $196k (8.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $186k (13.7% below list).
  • Recommended offer: $186k (13.7% below list) — sets the bar for 1% rule.
  • Cap rate 5.7% vs local median 4.1% in Atascocita — 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 70/100 on livability (#346 in TX) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
  • Humble ISD (urban): math 38% / reading 44% proficiency, ranked #262 of 826 in TX (top 32%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: Rents flat; 669 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 29,883 units permitted in Harris County in 2024 (8,621 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-0.9%/yr); year-one equity from $1k of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Harris County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 126 days — a 12% lower offer ($189k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 13y ago 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.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $185,623 (13.7% 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 126 days. Have you received any prior offers? Is the seller open to a 14% 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. 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
0.86%
Cap rate
5.70%
Cash-on-cash
-2.12%
DSCR
0.91
GRM
9.7

CMA / ARV

ARV (median comp)
$211,063
List price
$215,000
Delta
1.87%
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
5415 Fawn Trail Ln 0.19mi 3/2.0 1,467 (+1%) 2mo $175,000 $119 88
5534 Deer Timbers Trl 0.11mi 3/2.0 1,570 (+8%) 1mo $235,000 $150 80
20130 Misty Pines Dr 0.26mi 3/2.0 1,365 (-6%) 1mo $225,000 $165 77
20035 Dawn Mist Dr 0.32mi 3/2.0 1,534 (+6%) 0mo $177,000 $115 75
19914 Big Timber Dr 0.13mi 3/2.0 1,610 (+11%) 5mo $198,000 $123 71
19919 Burle Oak Dr 0.08mi 4/2.0 (+1) 1,294 (-11%) 3mo $185,000 $143 71
5619 Fawn Trail Ln 0.15mi 3/2.0 1,664 (+15%) 1mo $214,990 $129 68
19918 Burle Oak Dr 0.05mi 3/2.5 1,248 (-14%) 9mo $205,000 $164 65
20109 Misty Pines Dr 0.27mi 3/2.0 1,267 (-13%) 7mo $229,000 $181 60
5222 Moonshadows Dr 0.72mi 4/2.0 (+1) 1,476 (+2%) 9mo $170,000 $115 51
20814 Lake Park Trl 0.71mi 3/2.0 1,596 (+10%) 6mo $260,000 $163 45
19302 Flaxwood Dr 0.73mi 4/2.0 (+1) 1,658 (+14%) 2mo $225,000 $136 35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.95% appreciation · 0.09% rent growth · sell at horizon

5-year hold
IRR
-10.9%
Equity multiple
0.54×
Total profit
$-27,717
Equity at exit
$52,372
10-year hold
IRR
-6.9%
Equity multiple
0.42×
Total profit
$-35,000
Equity at exit
$55,398

Cash invested: $60,200 (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.

ZIP-level market 77346

Home prices YoY
-0.4%
Rents YoY
0.1%
Active inventory
669
Price-to-rent
9.7×

Monthly cashflow live

Estimated rent
$1,856 high interval (Pro) →
Mortgage (P&I)
$1,127
Tax from tax record
$335 /mo · $4,016/yr
Insurance
$90
HOA
$21
Vacancy / Maint / Mgmt
$390
Net cashflow
$-106

Break-even live

Break-even rent $1,991
Max offer price $196,214
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
$53,750
Closing costs
$6,450
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 10 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
19902 Burle Oak Dr Humble, TX 3.0 2.5 1532 $1,699 $1.11 44d 1 0.07mi
5419 Deer Timbers Trl Humble, TX 3.0 2.0 1313 $1,705 $1.30 22d 1 0.19mi
20143 Dawn Mist Dr Humble, TX 3.0 2.5 1617 $1,659 $1.03 44d 1 0.37mi
6519 Kings Glen Dr Humble, TX 1.0–3.0 1.0–2.5 1255 $2,813 $2.24 1d 16 0.90mi
19113 Moon Trail Dr Unit ECT Humble, TX 2.0 2.0 1054 $1,319 $1.25 12d 1 0.92mi
6227 Spruce Bough Ct Humble, TX 3.0 2.0 1432 $1,800 $1.26 44d 1 0.99mi
18835 Atasca Oaks Dr Humble, TX 3.0 2.0 1432 $1,829 $1.28 5d 1 1.12mi
5231 Flax Bourton St Humble, TX 3.0 2.0 1513 $1,856 $1.23 2d 1 1.25mi
5248 Timbers Quail Dr Atascocita, TX 2.0 2.0 1050 $1,225 $1.17 44d 1 1.32mi
18551 Timber Forest Dr Humble, TX 2.0–3.0 1.0–2.0 1080 $1,609 $1.49 2d 7 1.36mi

HOA detail

Monthly dues
$21 · $252/yr
Likely covers
water

Listing history 28 events

  1. 2026-06-18
    days on market $215,000 Active 126 DOM
  2. 2026-06-17
    days on market $215,000 Active 125 DOM
  3. 2026-06-16
    days on market $215,000 Active 124 DOM
  4. 2026-06-15
    days on market $215,000 Active 123 DOM
  5. 2026-06-13
    days on market $215,000 Active 121 DOM
  6. 2026-06-13
    days on market $215,000 Active 120 DOM
  7. 2026-06-09
    days on market $215,000 Active 117 DOM
  8. 2026-06-08
    days on market $215,000 Active 116 DOM
  9. 2026-06-07
    days on market $215,000 Active 115 DOM
  10. 2026-06-04
    days on market $215,000 Active 112 DOM
  11. 2026-06-03
    days on market $215,000 Active 111 DOM
  12. 2026-06-02
    days on market $215,000 Active 110 DOM
  13. 2026-06-01
    days on market $215,000 Active 109 DOM
  14. 2026-05-31
    days on market $215,000 Active 108 DOM
  15. 2026-03-05
    status Active 967-char remark
    Show marketing remark (967 chars)

    Welcome home to this charming and well-maintained 3-bedroom, 2-bath residence filled with character and warmth. The recently updated kitchen features butcher block countertops and freshly painted white cabinetry, blending classic charm with modern touches. Major upgrades include a newer roof, new HVAC system, new hot water heater, updated bathroom countertops, and fresh paint throughout, offering peace of mind for the next owner. The spacious primary bedroom provides a comfortable retreat, while the generous living areas create an inviting atmosphere for everyday living and entertaining. Step outside and unwind in the peaceful backyard with a deck. It's perfect for relaxing, gardening, or enjoying quiet evenings. Located in a serene community with a playground, walking trails, and picnic areas, this home also offers convenient access to the airport, local shopping, and grocery stores. Don’t miss the opportunity to make this charming home your own.

  16. 2026-02-20
    status Pending 967-char remark
    Show marketing remark (967 chars)

    Welcome home to this charming and well-maintained 3-bedroom, 2-bath residence filled with character and warmth. The recently updated kitchen features butcher block countertops and freshly painted white cabinetry, blending classic charm with modern touches. Major upgrades include a newer roof, new HVAC system, new hot water heater, updated bathroom countertops, and fresh paint throughout, offering peace of mind for the next owner. The spacious primary bedroom provides a comfortable retreat, while the generous living areas create an inviting atmosphere for everyday living and entertaining. Step outside and unwind in the peaceful backyard with a deck. It's perfect for relaxing, gardening, or enjoying quiet evenings. Located in a serene community with a playground, walking trails, and picnic areas, this home also offers convenient access to the airport, local shopping, and grocery stores. Don’t miss the opportunity to make this charming home your own.

  17. 2026-02-20
    historical 967-char remark
    Show marketing remark (967 chars)

    Welcome home to this charming and well-maintained 3-bedroom, 2-bath residence filled with character and warmth. The recently updated kitchen features butcher block countertops and freshly painted white cabinetry, blending classic charm with modern touches. Major upgrades include a newer roof, new HVAC system, new hot water heater, updated bathroom countertops, and fresh paint throughout, offering peace of mind for the next owner. The spacious primary bedroom provides a comfortable retreat, while the generous living areas create an inviting atmosphere for everyday living and entertaining. Step outside and unwind in the peaceful backyard with a deck. It's perfect for relaxing, gardening, or enjoying quiet evenings. Located in a serene community with a playground, walking trails, and picnic areas, this home also offers convenient access to the airport, local shopping, and grocery stores. Don’t miss the opportunity to make this charming home your own.

  18. 2026-01-30
    listed $215,000 Active 967-char remark
    Show marketing remark (967 chars)

    Welcome home to this charming and well-maintained 3-bedroom, 2-bath residence filled with character and warmth. The recently updated kitchen features butcher block countertops and freshly painted white cabinetry, blending classic charm with modern touches. Major upgrades include a newer roof, new HVAC system, new hot water heater, updated bathroom countertops, and fresh paint throughout, offering peace of mind for the next owner. The spacious primary bedroom provides a comfortable retreat, while the generous living areas create an inviting atmosphere for everyday living and entertaining. Step outside and unwind in the peaceful backyard with a deck. It's perfect for relaxing, gardening, or enjoying quiet evenings. Located in a serene community with a playground, walking trails, and picnic areas, this home also offers convenient access to the airport, local shopping, and grocery stores. Don’t miss the opportunity to make this charming home your own.

  19. 2013-11-15
    soldstatus
  20. 2013-11-15
    soldstatus
  21. 2013-11-09
    status Pending, Continue to Show 344-char remark
    Show marketing remark (344 chars)

    Vacant beauty! Great home; priced to sell! Many, many upgrades. .. New tile in 2009 * new a/c in 2013 * new furnace in 2009 * 30 yr roof is 8 years old * 2 wooden decks * gas log fireplace * Hardiplank and brick exterior * Move in ready. This 3/2/2 is in much sought after Atascocita/Humble School District. Appliances can stay. Show and sell!

  22. 2013-11-07
    soldstatus Sold 344-char remark
    Show marketing remark (344 chars)

    Vacant beauty! Great home; priced to sell! Many, many upgrades. .. New tile in 2009 * new a/c in 2013 * new furnace in 2009 * 30 yr roof is 8 years old * 2 wooden decks * gas log fireplace * Hardiplank and brick exterior * Move in ready. This 3/2/2 is in much sought after Atascocita/Humble School District. Appliances can stay. Show and sell!

  23. 2013-10-29
    status Option Pending 344-char remark
    Show marketing remark (344 chars)

    Vacant beauty! Great home; priced to sell! Many, many upgrades. .. New tile in 2009 * new a/c in 2013 * new furnace in 2009 * 30 yr roof is 8 years old * 2 wooden decks * gas log fireplace * Hardiplank and brick exterior * Move in ready. This 3/2/2 is in much sought after Atascocita/Humble School District. Appliances can stay. Show and sell!

  24. 2013-10-18
    status Active 344-char remark
    Show marketing remark (344 chars)

    Vacant beauty! Great home; priced to sell! Many, many upgrades. .. New tile in 2009 * new a/c in 2013 * new furnace in 2009 * 30 yr roof is 8 years old * 2 wooden decks * gas log fireplace * Hardiplank and brick exterior * Move in ready. This 3/2/2 is in much sought after Atascocita/Humble School District. Appliances can stay. Show and sell!

  25. 2013-10-07
    status Option Pending 344-char remark
    Show marketing remark (344 chars)

    Vacant beauty! Great home; priced to sell! Many, many upgrades. .. New tile in 2009 * new a/c in 2013 * new furnace in 2009 * 30 yr roof is 8 years old * 2 wooden decks * gas log fireplace * Hardiplank and brick exterior * Move in ready. This 3/2/2 is in much sought after Atascocita/Humble School District. Appliances can stay. Show and sell!

  26. 2013-07-22
    price $96,900 344-char remark
    Show marketing remark (344 chars)

    Vacant beauty! Great home; priced to sell! Many, many upgrades. .. New tile in 2009 * new a/c in 2013 * new furnace in 2009 * 30 yr roof is 8 years old * 2 wooden decks * gas log fireplace * Hardiplank and brick exterior * Move in ready. This 3/2/2 is in much sought after Atascocita/Humble School District. Appliances can stay. Show and sell!

  27. 2013-07-22
    listed $116,900 Active 344-char remark
    Show marketing remark (344 chars)

    Vacant beauty! Great home; priced to sell! Many, many upgrades. .. New tile in 2009 * new a/c in 2013 * new furnace in 2009 * 30 yr roof is 8 years old * 2 wooden decks * gas log fireplace * Hardiplank and brick exterior * Move in ready. This 3/2/2 is in much sought after Atascocita/Humble School District. Appliances can stay. Show and sell!

  28. 1996-10-25
    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
$4,016 · $335/mo
Projected year-2 tax
$4,016 · $335/mo
Expected delta
$0/yr ($0/mo · -0.0%)

ⓘ 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 2/10 Low
  • 🌡 Heat 8/10 Severe 7 d/yr ≥110°F today · 22 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$22,275
− Mortgage interest
−$12,043
− Property taxes
−$4,016
− Insurance
−$1,075
− Repairs & maintenance
−$1,782
− Management
−$1,782
− HOA
−$252
− Depreciation
−$6,255
Taxable loss
−$4,930
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,183
After-tax cash flow
$-93/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
Humble ISD
NCES district ID
4823910
Math proficiency
38% ▼ -11.00%
Reading proficiency
44% ▼ -7.00%
Median HH income
$83,946
Composite
38.55/100
National rank
#4171
State rank
#262 of 826 in TX

Livability — Atascocita

Score
70/100
State rank
#346
US rank
#7586

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Atascocita, TX
County
Harris County · 4,702,590 people
City population
79,538
Metro
Houston-The Woodlands-Sugar Land, TX
Population (ZIP)
79,538
Household income
$122,241
Rent vs Own
18.3% rent · 81.7% own
Severe rent burden
1072.0

Population outlook (Harris County) Hauer SSP2

Today (2025)
5,571,493 people
By 2030
6,089,821 · +9.3%
By 2040
7,142,806 · +28.2%
By 2050
8,185,864 · +46.9%
By 2075
10,574,329 · +89.8%
By 2100
12,109,958 · +117.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.70)
Race & ethnicity
White 42% Hispanic / Latino 28% Black 21% Two or more races 18% Asian 4%
Hispanic origin (detail)
Mexican 20% Puerto Rican 2%
Common ancestry
Lithuanian 4% Slovak 1% Italian 1%
Foreign-born
10% · Canada, Vietnam, China
Languages at home
78% English-only · Spanish 17% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Harris

2024 margin
Lean D (+5.5) · D 52.0% · R 46.4% · Other 1.6%
2008→2024 swing
+3.9pp toward D · 2008: 1.6pp · 2024: 5.5pp
All cycles
2024: D+5.5 2020: D+13.3 2016: D+12.4 2012: D+0.1 2008: D+1.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -0.95%
Current HPI
218.0478
Rent YoY
▲ 0.09%
Metro
Houston-The Woodlands-Sugar Land, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

+83.9% since first listed
14 events — show timeline
  • 2026-03-05 Relisted HARMLS
  • 2026-02-20 Pending HARMLS
  • 2026-02-20 Listing Removed HARMLS
  • 2026-01-30 Listed $215,000 HARMLS
  • 2013-11-15 Sold (Public Records) Public Records
  • 2013-11-15 Sold (Public Records) Public Records
  • 2013-11-09 Pending HARMLS
  • 2013-11-07 Sold (MLS) HARMLS
  • 2013-10-29 Pending HARMLS
  • 2013-10-18 Relisted HARMLS
  • 2013-10-07 Pending HARMLS
  • 2013-07-22 Price Changed $96,900 HARMLS
  • 2013-07-22 Listed $116,900 HARMLS
  • 1996-10-25 Sold (Public Records) Public Records

Property tax history

+7.1%/yr

Latest (2025): $4,016 · +10.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…