3430 Oswego St · Baton Rouge, LA 70805

$90,900

2 bd · 1.0 ba · 1,180 sqft · SingleFamily · 235 Days on market

Built 1980 10,454 sqft lot Est $79k · 15% over ↓ 27% 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 +25.2/30.0
• DSCR +8.3/10.0
• 1% rule +5.4/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Rent growth +2.2/5.0
• ARV discount +0.8/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

Key facts

• Lots of storage
• Built in wine fridge
• Large patio

Tags

• FENCED BACKYARD
• GARAGE PARKING
• LARGE PATIO
• BUILT IN WINE FRIDGE
• INSIDE LAUNDRY ROOM
• LOTS OF STORAGE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $91k.

Deal economics

• At list price, monthly cash flow is $205 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($947 rent vs $91k).
• Recommended offer: $80k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.0% vs local median 4.3% in Baton Rouge — 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 74/100 on livability (#24 in LA, #4,535 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, health & safety A+; Watch: amenities D, crime F, employment D-.
• East Baton Rouge Parish (urban): math 22% / reading 34% proficiency, ranked #47 of 98 in LA (top 48%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 77% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-1.2%/yr); 155 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,252 units permitted in East Baton Rouge Parish in 2024 (440 in 5+ unit buildings).
• This rent runs 45% of the median local income ($25k/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 $628 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• East Baton Rouge County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 235 days — a 12% lower offer ($80k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $54k (37%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $79,992 (12.0% below list)

Questions for the listing agent

1. It's been on market 235 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 1.04% ✓
• Cap rate: 9.00%
• Cash-on-cash: 9.66%
• DSCR: 1.43
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $79,060
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3430 Oswego St	0.00mi	2/1.0	1,180 (0%)	1mo	$95,900	$81	100
3235 Alliquippa St	0.47mi	2/1.0	1,200 (+2%)	5mo	$80,000	$67	71
3815 Webb Dr	0.45mi	3/1.0 (+1)	1,190 (+1%)	4mo	$10,000	$8	70
3335 N 38th St	0.16mi	3/1.0 (+1)	1,275 (+8%)	6mo	$55,000	$43	69
3169 Sherwood St	0.66mi	3/1.0 (+1)	1,196 (+1%)	0mo	$89,500	$75	61
4236 Delaware St	0.65mi	3/2.0 (+1)	1,200 (+2%)	9mo	$79,500	$66	51
3620 Clayton Dr	0.72mi	2/1.0	1,289 (+9%)	0mo	$55,000	$43	51
3736 Alliquippa St	0.44mi	3/1.5 (+1)	1,050 (-11%)	5mo	$109,900	$105	50
3216 Brady St	0.42mi	3/1.0 (+1)	1,038 (-12%)	6mo	$69,900	$67	50
3911 Dalton St	0.49mi	3/1.0 (+1)	1,033 (-12%)	2mo	$29,000	$28	50
2927 Tecumseh St	0.75mi	3/2.0 (+1)	1,245 (+6%)	3mo	$182,500	$147	45
3130 Hiawatha St	0.72mi	2/1.0	1,012 (-14%)	5mo	$36,900	$36	38

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -4.9%
• Equity multiple: 0.82×
• Total profit: $-4,495
• Equity at exit: $13,553

10-year hold

• IRR: 1.3%
• Equity multiple: 1.08×
• Total profit: $2,011
• Equity at exit: $7,859

Cash invested: $25,452 (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 →

ZIP-level market 70805

• Rents YoY: -1.2%
• Active inventory: 155
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $947 high
• Mortgage (P&I): −$477
• Tax from tax record: −$28 /mo · $341/yr
• Insurance: −$38
• HOA: −$0
• Vacancy / Maint / Mgmt: −$199
• Net cashflow: $205

Break-even live

Break-even rent $687

Max offer price $90,900

Occupancy floor 73%

Sensitivity live

Price	-10% $256	-5% $231	+0% $205	+5% $179	+10% $153
Rent	-10% $130	-5% $167	+0% $205	+5% $242	+10% $280
Rate	-1.0pp $251	-0.5pp $228	base $205	+0.5pp $181	+1.0pp $157

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: $22,725
• Closing costs: $2,727
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3567 Charles St Baton Rouge, LA	3.0	1.0	1400	$1,250	$0.89	44d	1	0.13mi
3160 Wyandotte St Baton Rouge, LA	2.0	1.0	1100	$800	$0.73	44d	1	0.23mi
3859 Brady St Baton Rouge, LA	2.0	1.0	800	$775	$0.97	44d	1	0.40mi
3936 Dalton St Baton Rouge, LA	2.0	1.0	900	$750	$0.83	19d	1	0.50mi
3577 Mission Dr Baton Rouge, LA	2.0	1.0	755	$950	$1.26	19d	1	0.58mi
3647 Mission Dr Baton Rouge, LA	3.0	1.0	900	$895	$0.99	24d	1	0.59mi
2606 Weller Ave Baton Rouge, LA	2.0	1.0	1000	$650	$0.65	44d	1	0.61mi
2852 Dayton St Baton Rouge, LA	2.0	1.0	1020	$850	$0.83	24d	1	0.66mi
2933 Dayton St Unit A Baton Rouge, LA	1.0	1.0	800	$540	$0.68	15d	1	0.66mi
4380 Mohican-Prescott Crossover Baton Rouge, LA	2.0	2.0	910	$1,055	$1.16	44d	1	0.71mi
2347 Rhodes Ave Baton Rouge, LA	2.0	1.0	1250	$950	$0.76	19d	1	0.84mi
3540 N Foster Dr Baton Rouge, LA	2.0	1.0	1000	$1,000	$1.00	24d	1	0.87mi
1404 N 29th St Baton Rouge, LA	3.0	2.0	1120	$1,100	$0.98	44d	1	1.30mi
1409 N 35th St Baton Rouge, LA	3.0	2.0	912	$750	$0.82	24d	1	1.30mi
1348 N 37th St Baton Rouge, LA	3.0	1.0	1100	$1,200	$1.09	44d	1	1.32mi
1305 N 30th St Baton Rouge, LA	2.0	1.0	1000	$900	$0.90	24d	1	1.33mi
1336 N 29th St Baton Rouge, LA	3.0	2.0	1400	$1,450	$1.04	15d	1	1.34mi
5350 Clayton Dr Baton Rouge, LA	3.0	1.0	1050	$850	$0.81	44d	1	1.35mi
5617 Prescott Rd Baton Rouge, LA	1.0–2.0	1.0	687	$900	$1.31	24d	26	1.37mi
4189 W Brookstown Dr Baton Rouge, LA	1.0–2.0	1.0	695	$825	$1.19	15d	20	1.42mi

Listing history 15 events

1. 2026-04-23
   status Pending 542-char remark

   Show marketing remark (542 chars)

   ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

2. 2026-04-23
   status Pending

   Show marketing remark (542 chars)

   ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

3. 2026-04-17
   price $90,900 542-char remark

   Show marketing remark (542 chars)

   ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

4. 2026-04-17
   price $90,900

   Show marketing remark (542 chars)

   ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

5. 2026-02-13
   price $120,900 542-char remark

   Show marketing remark (542 chars)

   ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

6. 2026-02-13
   price $120,900

   Show marketing remark (542 chars)

   ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

7. 2025-10-19
   price $139,900 542-char remark

   Show marketing remark (542 chars)

   ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

8. 2025-10-19
   price $139,900

   Show marketing remark (542 chars)

   ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

9. 2025-09-01
   listed $145,000 Active
10. 2025-08-30
    listed $145,000 Active 542-char remark

    Show marketing remark (542 chars)

    ATTENTION INVESTORS!!! JUST REDUCED...... 2 BR 1 BATH BRICK HOME WITH CENTRAL AIR & HEAT Nice-sized bedrooms Kitchen with built-in wine/soft drink fridge Large fenced backyard Covered front porch & oversized covered patio that is perfect for entertaining Good storage throughout Solid brick construction and a layout that feels larger than expected. /Whether you're a first-time buyer or someone looking to invest, this home offers comfort, functionality & value. With this price , it won't last long. Schedule your showing today.

11. 2024-12-11
    listed $125,000 Active
12. 2024-12-11
    historical
13. 2024-08-28
    listed $125,000 Active
14. 2024-08-28
    listed $125,000 Active
15. 1992-03-25
    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 LA · Resets to sale price

• Current annual tax: $341 · $28/mo
• Projected year-2 tax: $500 · $42/mo
• Expected delta: +$159/yr (+$13/mo · 46.8%)

ⓘ 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 8/10 Severe 6 d/yr ≥108°F today · 18 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,359
• − Mortgage interest: −$5,092
• − Property taxes: −$341
• − Insurance: −$454
• − Repairs & maintenance: −$909
• − Management: −$909
• − Depreciation: −$2,644
• Taxable income: $1,010
• Est. tax owed @ 24.0%: −$242
• After-tax cash flow: $2,216/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: East Baton Rouge Parish
• NCES district ID: 2200540
• Math proficiency: 22% ▼ -36.00%
• Reading proficiency: 34% ▼ -31.00%
• Median HH income: $46,263
• Composite: 24.14/100
• National rank: #7745
• State rank: #47 of 98 in LA

Livability — Baton Rouge

• Score: 74/100
• State rank: #24
• US rank: #4535

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Baton Rouge, LA
• County: East Baton Rouge Parish · 399,686 people
• City population: 351,868
• Metro: Baton Rouge, LA
• Population (ZIP): 23,288
• Household income: $25,397
• Rent vs Own: 59.5% rent · 40.5% own
• Severe rent burden: 1980.0

Population outlook (East Baton Rouge County) Hauer SSP2

• Today (2025): 464,810 people
• By 2030: 472,137 · +1.6%
• By 2040: 480,243 · +3.3%
• By 2050: 484,422 · +4.2%
• By 2075: 492,069 · +5.9%
• By 2100: 476,347 · +2.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (95%)
• Race & ethnicity: Black 95% Hispanic / Latino 2% White 2% Two or more races 1%
• Common ancestry: Lithuanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · East Baton Rouge

• 2024 margin: D (+11.1) · D 54.5% · R 43.4% · Other 2.1%
• 2008→2024 swing: +8.9pp toward D · 2008: 2.2pp · 2024: 11.1pp
• All cycles: 2024: D+11.1 2020: D+13.1 2016: D+9.2 2012: D+5.2 2008: D+2.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -110.79%
• Current HPI: 75.7121
• Rent YoY: ▼ -1.21%
• Metro: Baton Rouge, LA
• State GDP YoY: ▲ 3.29%
• F500 in state: 10

Industry mix (Fortune 500 HQ in LA)

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

Price history

-27.3% since first listed

15 events — show timeline

• 2026-04-23 Pending — AcadianaMLS
• 2026-04-23 Pending — GBRMLS
• 2026-04-17 Price Changed $90,900 AcadianaMLS
• 2026-04-17 Price Changed $90,900 GBRMLS
• 2026-02-13 Price Changed $120,900 AcadianaMLS
• 2026-02-13 Price Changed $120,900 GBRMLS
• 2025-10-19 Price Changed $139,900 AcadianaMLS
• 2025-10-19 Price Changed $139,900 GBRMLS
• 2025-09-01 Listed $145,000 GBRMLS
• 2025-08-30 Listed $145,000 AcadianaMLS
• 2024-12-11 Listed $125,000 GBRMLS
• 2024-12-11 Delisted — GBRMLS
• 2024-08-28 Listed $125,000 GBRMLS
• 2024-08-28 Listed $125,000 AcadianaMLS
• 1992-03-25 Sold (Public Records) — Public Records

Property tax history

+2.4%/yr

Latest (2025): $341 · +4.7% YoY. Source: county tax records.