1910 64th St · Lubbock, TX 79412

$134,500

3 bd · 2.0 ba · 1,579 sqft · SingleFamily public records · 90 Days on market

Built 1953 8,700 sqft lot $85/sqft · at area comps Est $134k · at est. ↓ 5% since listing

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Why this score? — see what drove the C- 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 +19.1/30.0
• ARV discount +7.3/15.0
• DSCR +6.0/10.0
• 1% rule +5.1/10.0
• Livability +4.0/5.0
• Rent growth +3.5/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful Vandelia Village home that offers peace of mind with major updates already completed. The home features a fully remodeled bathroom and kitchen with new flooring and paint throughout, creating a fresh, modern feel throughout the home. A metal roof will give you peace of mind during those stormier nights. Large back yard will allow for fun in the sun but with the security of a new fence. So don't miss this great opportunity for home ownership.

Key facts

• Metal roof
• Remodeled bathroom
• Remodeled kitchen

Tags

• REMODELED BATHROOM
• REMODELED KITCHEN
• METAL ROOF
• LARGE BACK YARD
• NEW FENCE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $134k.

Deal economics

• At list price, monthly cash flow is $143 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $134k).
• Recommended offer: $126k (6.0% below list) — sets the bar for market timing.

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 (+3.9%/yr); 110 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 48% 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).
• This rent runs 33% of the median local income ($49k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $930 of loan paydown is wiped out by about $4k 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 90 days — a 6% lower offer ($126k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1953 — 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 $126,430 (6.0% below list)

Questions for the listing agent

1. It's been on market 90 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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 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?
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: 1.01% ✓
• Cap rate: 7.57%
• Cash-on-cash: 4.57%
• DSCR: 1.20
• GRM: 8.3

CMA / ARV

• ARV (median comp): $133,894
• List price: $134,500
• Delta: 0.45%
• Verdict: FAIR
• Comps: 8 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.87% rent growth · sell at horizon

5-year hold

• IRR: -8.2%
• Equity multiple: 0.70×
• Total profit: $-11,453
• Equity at exit: $20,054

10-year hold

• IRR: 2.4%
• Equity multiple: 1.18×
• Total profit: $6,843
• Equity at exit: $11,629

Cash invested: $37,660 (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 79412

• Home prices YoY: -15.3%
• Rents YoY: 3.9%
• Active inventory: 110
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,353 high
• Mortgage (P&I): −$705
• Tax from tax record: −$164 /mo · $1,967/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $143

Break-even live

Break-even rent $1,171

Max offer price $134,500

Occupancy floor 84%

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: $33,625
• Closing costs: $4,035
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6130 Avenue P Lubbock, TX	4.0	2.0	1387	$1,100	$0.79	43d	1	0.27mi
1923 67th St Lubbock, TX	4.0	2.0	1467	$1,525	$1.04	43d	1	0.28mi
2115 66th St Lubbock, TX	4.0	2.0	2160	$1,795	$0.83	21d	1	0.39mi
7006 Avenue S Lubbock, TX	4.0	2.0	1498	$1,800	$1.20	43d	1	0.44mi
1307 61st St Lubbock, TX	3.0	1.0	1073	$1,150	$1.07	13d	1	0.48mi
1927 71st St Lubbock, TX	4.0	2.0	1807	$1,600	$0.89	21d	1	0.48mi
1921 S Loop 289 Lubbock, TX	3.0	2.0	1121	$1,100	$0.98	43d	1	0.57mi
2121 56th St Lubbock, TX	3.0	2.0	2047	$1,999	$0.98	21d	1	0.57mi
1816 75th St Lubbock, TX	4.0	2.0	1516	$2,000	$1.32	21d	1	0.70mi
2128 74th St Lubbock, TX	3.0	2.5	1132	$1,350	$1.19	21d	1	0.75mi
7304 Avenue W Lubbock, TX	3.0	2.0	1500	$999	$0.67	13d	1	0.76mi
2101 51st St Lubbock, TX	2.0	1.5	1100	$900	$0.82	21d	1	0.77mi
1915 76th St Lubbock, TX	3.0	2.0	1911	$1,550	$0.81	13d	1	0.79mi
1923 76th St Lubbock, TX	3.0	2.0	1622	$1,699	$1.05	43d	1	0.79mi
1940 77th St Lubbock, TX	3.0	2.0	1700	$1,500	$0.88	43d	1	0.83mi
7406 Waco Ave Unit C Lubbock, TX	2.0	1.0	1831	$750	$0.41	43d	1	0.88mi
2726 68th St Lubbock, TX	4.0	2.0	1524	$1,800	$1.18	43d	1	0.91mi
2707 63rd St Lubbock, TX	3.0	1.0	1080	$1,050	$0.97	13d	1	0.93mi
2730 68th St Lubbock, TX	4.0	3.0	2050	$1,999	$0.98	21d	1	0.94mi
5512 Avenue G Unit G Lubbock, TX	3.0	1.0	1117	$1,000	$0.90	43d	1	0.94mi
2107 48th St Lubbock, TX	3.0	1.0	1956	$1,200	$0.61	43d	1	0.96mi
1805 79th Pl Lubbock, TX	3.0	2.0	1284	$1,375	$1.07	43d	1	1.03mi
5614 Avenue A Unit A Lubbock, TX	3.0	1.0	1129	$695	$0.62	21d	1	1.04mi
1625 79th Pl Lubbock, TX	3.0	2.0	1541	$1,650	$1.07	44d	1	1.04mi
2725 63rd St Unit FS Lubbock, TX	3.0	2.0	1624	$1,599	$0.98	43d	1	1.04mi
1606 82nd St Lubbock, TX	1.0–2.0	1.0–2.0	843	$1,580	$1.87	13d	16	1.12mi
8108 Sherman Ave Lubbock, TX	3.0	2.0	1306	$1,400	$1.07	44d	1	1.14mi
1920 45th St Lubbock, TX	3.0	1.0	1200	$1,200	$1.00	21d	1	1.15mi
2817 63rd St Lubbock, TX	3.0	1.0	1125	$1,250	$1.11	21d	1	1.16mi
2316 47th St Lubbock, TX	3.0	2.0	1285	$1,400	$1.09	21d	1	1.16mi
2827 66th St Lubbock, TX	3.0	1.0	1190	$1,200	$1.01	21d	1	1.16mi
2821 61st St Lubbock, TX	3.0	1.0	1230	$1,100	$0.89	43d	1	1.18mi
1115 80th St Unit A Lubbock, TX	3.0	2.0	1443	$1,250	$0.87	43d	1	1.19mi
1113 80th St Unit A Lubbock, TX	3.0	2.0	1443	$1,250	$0.87	43d	1	1.20mi
1920 44th St Lubbock, TX	4.0	2.0	1391	$795	$0.57	21d	1	1.21mi
1718 43rd St Lubbock, TX	4.0	2.0	1870	$1,075	$0.57	21d	1	1.27mi
812 48th St Lubbock, TX	3.0	1.0	1282	$1,250	$0.98	21d	1	1.28mi
8217 Avenue U Lubbock, TX	1.0–2.0	1.0–2.0	873	$1,570	$1.80	13d	28	1.29mi
1118 82nd St Unit A Lubbock, TX	3.0	2.0	1243	$950	$0.76	43d	1	1.29mi
1116 82nd St Unit B Lubbock, TX	3.0	2.0	1243	$950	$0.76	43d	1	1.29mi

Listing history 19 events

1. 2026-06-18
   days on market $134,500 Active 90 DOM
2. 2026-06-17
   days on market $134,500 Active 89 DOM
3. 2026-06-16
   days on market $134,500 Active 88 DOM
4. 2026-06-15
   days on market $134,500 Active 87 DOM
5. 2026-06-14
   days on market $134,500 Active 85 DOM
6. 2026-06-13
   days on market $134,500 Active 84 DOM
7. 2026-06-10
   days on market $134,500 Active 82 DOM
8. 2026-06-09
   days on market $134,500 Active 81 DOM
9. 2026-06-08
   days on market $134,500 Active 80 DOM
10. 2026-06-07
    days on market $134,500 Active 79 DOM
11. 2026-06-05
    days on market $134,500 Active 76 DOM
12. 2026-06-03
    days on market $134,500 Active 75 DOM
13. 2026-06-02
    days on market $134,500 Active 74 DOM
14. 2026-06-01
    days on market $134,500 Active 73 DOM
15. 2026-05-31
    days on market $134,500 Active 72 DOM
16. 2026-05-30
    days on market $134,500 Active 71 DOM
17. 2026-05-12
    price $134,500 455-char remark

    Show marketing remark (455 chars)

    Beautiful Vandelia Village home that offers peace of mind with major updates already completed. The home features a fully remodeled bathroom and kitchen with new flooring and paint throughout, creating a fresh, modern feel throughout the home. A metal roof will give you peace of mind during those stormier nights. Large back yard will allow for fun in the sun but with the security of a new fence. So don't miss this great opportunity for home ownership.

18. 2026-03-19
    listed $141,500 Active 455-char remark

    Show marketing remark (455 chars)

    Beautiful Vandelia Village home that offers peace of mind with major updates already completed. The home features a fully remodeled bathroom and kitchen with new flooring and paint throughout, creating a fresh, modern feel throughout the home. A metal roof will give you peace of mind during those stormier nights. Large back yard will allow for fun in the sun but with the security of a new fence. So don't miss this great opportunity for home ownership.

19. 2012-04-12
    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: $1,967 · $164/mo
• Projected year-2 tax: $2,461 · $205/mo
• Expected delta: +$495/yr (+$41/mo · 25.1%)

ⓘ 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: $16,232
• − Mortgage interest: −$7,534
• − Property taxes: −$1,967
• − Insurance: −$672
• − Repairs & maintenance: −$1,299
• − Management: −$1,299
• − Depreciation: −$3,913
• Taxable loss: −$451
• Est. tax savings @ 24.0%: +$108
• After-tax cash flow: $1,828/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): 15,018
• Household income: $48,878
• Rent vs Own: 51.2% rent · 48.8% own
• Severe rent burden: 676.0

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 0.56)
• Race & ethnicity: Hispanic / Latino 61% Two or more races 25% White 25% Black 10%
• Hispanic origin (detail): Mexican 51% Puerto Rican 2%
• Common ancestry: Lithuanian 1% Serbian 1% Italian 1%
• Foreign-born: 5% · Canada
• Languages at home: 67% English-only · Spanish 32% Arabic 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: ▼ -33.95%
• Current HPI: 188.4033
• Rent YoY: ▲ 3.87%
• 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

-4.9% since first listed

3 events — show timeline

• 2026-05-12 Price Changed $134,500 LARMLS
• 2026-03-19 Listed $141,500 LARMLS
• 2012-04-12 Sold (Public Records) — Public Records

Property tax history

+4.3%/yr

Latest (2025): $1,967 · -4.0% YoY. Source: county tax records.