457 Impala Dr · Onalaska, TX 77360

$190,000

4 bd · 2.0 ba · 1,326 sqft · SingleFamily public records · 26 Days on market

Built 1986 5,344 sqft lot $143/sqft · at area comps Est $200k · at est. $54/mo HOA · 4% of rent

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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 +10.3/30.0
• ARV discount +9.7/15.0
• Appreciation +4.7/10.0
• Schools +4.1/10.0
• DSCR +3.0/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0

Listing remarks

Move-In Ready 4b/2b with Comprehensive Updates in Prime Lakeside Location Step into this completely remodeled 4bed/2bath home featuring contemporary finishes throughout. The kitchen showcases sleek quartz countertops with soft-close cabinets and drawers, while new vinyl plank flooring and soaring ceilings create an open, airy atmosphere. Major Updates Include: Brand new HVAC system Completely new PEX plumbing and electrical systems throughout New roof, windows, and deck Lakeside Living: Located in a desirable lake community with easy access to the boat ramp for fishing, boating, and water sports. Enjoy the community pool and all the recreation this waterfront lifestyle offers. Eve

Key facts

• Quartz countertops
• Soft-close cabinets
• Soaring ceilings

Tags

• COMPREHENSIVE UPDATES
• CONTEMPORARY FINISHES
• QUARTZ COUNTERTOPS
• SOFT-CLOSE CABINETS
• VINYL PLANK FLOORING
• SOARING CEILINGS

Property features AI

Finance

• HOA & community: Impala Woods POA with an annual fee of $650 covering common areas and recreation facilities

Exterior

• Utilities: Public water; Public sewer
• Home design: Residential property; Built in 1986; Block foundation; Composition roof
• Construction: Wood siding construction
• Exterior features: Deck; Porch; Patio; Side yard; Located in a subdivision

Interior

• Kitchen: Electric oven; Electric range
• Bedrooms: Three bedrooms (two on the second level, one on the first level)
• Flooring: Plank flooring; Vinyl flooring
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Breakfast bar; Double vanity; High ceilings; Self-closing cabinet doors and drawers; Tub with shower
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $-103 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $172k (9.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $138k (27.6% below list).
• Recommended offer: $138k (27.6% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 2.8% in Onalaska — 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 60/100 on livability (#1,055 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime D+, amenities F.
• Onalaska ISD (rural): math 50% / reading 48% proficiency, ranked #213 of 826 in TX (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Onalaska El (math 52% / reading 42%, grade D-, #1,006 of 4,322 statewide, top 25%, 712 students, 70% FRL); Onalaska Jr/Sr High (math 48% / reading 55%, grade D+, #478 of 1,632 statewide, top 29%, 527 students, 58% FRL).
• Market conditions: 353 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 769 units permitted in Polk County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $158 of equity ($1k loan paydown + $-1k appreciation (-0.6% local appreciation)).
• Polk County population projected at +16% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($187k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask is 11415% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $137,524 (27.6% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 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?
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: 0.72% ✗
• Cap rate: 5.64%
• Cash-on-cash: -2.33%
• DSCR: 0.90
• GRM: 11.5

CMA / ARV

• ARV (median comp): $199,886
• List price: $190,000
• Delta: 0.01%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
110 Kyle St	0.50mi	3/2.5 (-1)	1,475 (+11%)	11mo	$299,990	$203	42
420 Parkview Dr	0.54mi	3/1.0 (-1)	1,152 (-13%)	22mo	$149,000	$129	25
193 Choctau Dr	0.70mi	3/2.0 (-1)	1,152 (-13%)	19mo	$166,000	$144	25
224 James St	0.75mi	3/1.5 (-1)	1,150 (-13%)	16mo	$124,900	$109	22

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

Projected returns pro-forma

-0.61% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.4%
• Equity multiple: 0.67×
• Total profit: $-17,574
• Equity at exit: $49,458

10-year hold

• IRR: -1.0%
• Equity multiple: 0.91×
• Total profit: $-4,989
• Equity at exit: $55,065

Cash invested: $53,200 (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.

Methodology + full state rankings →

ZIP-level market 77360

• Home prices YoY: -0.4%
• Active inventory: 353
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,375 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$60 /mo · $725/yr
• Insurance: −$79
• HOA: −$54
• Vacancy / Maint / Mgmt: −$289
• Net cashflow: $-103

Break-even live

Break-even rent $1,506

Max offer price $171,718

Occupancy floor —

Sensitivity live

Price	-10% $4	-5% $-50	+0% $-103	+5% $-157	+10% $-211
Rent	-10% $-212	-5% $-158	+0% $-103	+5% $-49	+10% $5
Rate	-1.0pp $-8	-0.5pp $-55	base $-103	+0.5pp $-153	+1.0pp $-203

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
132 Broken Arrow Onalaska, TX	3.0	2.0	1000	$1,400	$1.40	45d	1	0.75mi
126 Holly Rdg Onalaska, TX	4.0	2.0	1510	$1,350	$0.89	45d	1	0.89mi

HOA detail

• Monthly dues: $54 · $648/yr
• Likely covers: waterelectricpool

Listing history 23 events

1. 2026-06-21
   days on market $190,000 Active 26 DOM
2. 2026-06-19
   days on market $190,000 Active 24 DOM
3. 2026-06-18
   days on market $190,000 Active 23 DOM
4. 2026-06-17
   days on market $190,000 Active 22 DOM
5. 2026-06-16
   days on market $190,000 Active 21 DOM
6. 2026-06-15
   days on market $190,000 Active 20 DOM
7. 2026-06-14
   days on market $190,000 Active 18 DOM
8. 2026-06-13
   days on market $190,000 Active 17 DOM
9. 2026-06-10
   days on market $190,000 Active 15 DOM
10. 2026-06-09
    days on market $190,000 Active 14 DOM
11. 2026-06-08
    days on market $190,000 Active 13 DOM
12. 2026-06-07
    days on market $190,000 Active 12 DOM
13. 2026-06-05
    days on market $190,000 Active 9 DOM
14. 2026-06-03
    days on market $190,000 Active 8 DOM
15. 2026-06-02
    days on market $190,000 Active 7 DOM
16. 2026-06-01
    days on market $190,000 Active 6 DOM
17. 2026-05-31
    days on market $190,000 Active 5 DOM
18. 2026-05-30
    days on market $190,000 Active 4 DOM
19. 2026-04-09
    price $1,700
20. 2026-04-08
    price $199,900 843-char remark
21. 2026-03-05
    listed $1,850
22. 2026-02-13
    price $205,000 843-char remark
23. 2026-02-12
    listed $200,000 Active 843-char remark

ⓘ 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: $725 · $60/mo
• Projected year-2 tax: $3,477 · $290/mo
• Expected delta: +$2,752/yr (+$229/mo · 379.8%)

ⓘ 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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥111°F today · 24 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,503
• − Mortgage interest: −$10,643
• − Property taxes: −$725
• − Insurance: −$950
• − Repairs & maintenance: −$1,320
• − Management: −$1,320
• − HOA: −$648
• − Depreciation: −$5,527
• Taxable loss: −$4,630
• Est. tax savings @ 24.0%: +$1,111
• After-tax cash flow: $-131/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: Onalaska ISD
• NCES district ID: 4833690
• Math proficiency: 50% ▼ -10.00%
• Reading proficiency: 48% ▼ -1.00%
• Median HH income: $38,882
• Composite: 40.91/100
• National rank: #3616
• State rank: #213 of 826 in TX

Livability — Onalaska

• Score: 60/100
• State rank: #1055
• US rank: #18716

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Onalaska, TX
• Population (ZIP): 6,130

Population outlook (Polk County) Hauer SSP2

• Today (2025): 51,049 people
• By 2030: 53,243 · +4.3%
• By 2040: 56,528 · +10.7%
• By 2050: 59,243 · +16.1%
• By 2075: 63,528 · +24.4%
• By 2100: 60,376 · +18.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Two or more races 10% Hispanic / Latino 8%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Lithuanian 4% Italian 2% Romanian 2%
• Foreign-born: 1% · Canada
• Languages at home: 95% English-only · Spanish 5%

Political lean MEDSL · Polk

• 2024 margin: Solid R (+58.9) · D 20.2% · R 79.1%
• 2008→2024 swing: -21.7pp toward R · 2008: -37.2pp · 2024: -58.9pp
• All cycles: 2024: R+58.9 2020: R+54.5 2016: R+56.5 2012: R+48.2 2008: R+37.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.61%
• Current HPI: 150.9486
• Rent YoY: —
• Metro: —
• 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

-99.2% since first listed

9 events — show timeline

• 2026-05-27 Listed for Rent $1,650 HARMLS
• 2026-05-26 Rental Removed $1,700 HARMLS
• 2026-05-26 Listed $190,000 HARMLS
• 2026-05-26 Listing Removed — HARMLS
• 2026-04-09 Price Changed $1,700 HARMLS
• 2026-04-08 Price Changed $199,900 HARMLS
• 2026-03-05 Listed for Rent $1,850 HARMLS
• 2026-02-13 Price Changed $205,000 HARMLS
• 2026-02-12 Listed $200,000 HARMLS

Property tax history

+30.4%/yr

Latest (2025): $725 · +10.3% YoY. Source: county tax records.