4413 40th St, Lubbock, TX 79414

3 bd · 1 ba · 1,152 sqft · built 1954 · Lubbock · SINGLE_FAMILY·source listing ↗

$139,000

$145,000 first listed

seller intel

Price cut

−4.1%

from $145,000

Motivation score

24/100

OnePercent model (vv1)$1,429/mo

p10–p90 confidence band

HUD Fair Market Rent · 79414 · 3BR$1,720/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Lubbock

Flood risk indexRelatively Moderate FEMA NRI

Median household income$49,057

Median area rent$1,148/mo

Median home value$157,500

the verdict

1.03%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$139,000

1.03% · rent $1,429

Intrinsic value · income approach

$146,959

5% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.