5875 Castle Lk · San Antonio, TX 78218

$149,000

3 bd · 1.5 ba · 1,296 sqft · SingleFamily public records · 66 Days on market

Built 1970 8,886 sqft lot $115/sqft · 21% below area Est $189k · 21% under ↓ 7% 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 +15.8/30.0
• ARV discount +15.0/15.0
• 1% rule +6.1/10.0
• DSCR +4.9/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Rent growth +1.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Upgraded home on nice corner lot featuring 3 bedrooms and 2 full baths. Converted garage lends itself to be a flexible room. Large backyard with oversized workshop. This home is ready for new occupants.

Key facts

• Flexible room
• Large backyard
• Oversized workshop

Tags

• CORNER LOT
• FLEXIBLE ROOM
• LARGE BACKYARD
• OVERSIZED WORKSHOP

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $69 ($822/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Recommended offer: $140k (6.0% below list) — sets the bar for market timing.
• Cap rate 6.8% vs local median 3.8% in San Antonio — 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 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools C-, crime F.
• Judson ISD (suburban): math 21% / reading 33% proficiency, ranked #660 of 826 in TX (top 80%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents falling (-5.6%/yr); 131 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 35% of the median local income ($57k/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 $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 66 days — a 6% lower offer ($140k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 7y 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

• Watch-outs: property tax is 3.1% of price.
• Climate carrying-cost: severe wind risk, 80% 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 $140,060 (6.0% below list)

Questions for the listing agent

1. It's been on market 66 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 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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: 1.11% ✓
• Cap rate: 6.84%
• Cash-on-cash: 1.97%
• DSCR: 1.09
• GRM: 7.5

CMA / ARV

• ARV (median comp): $189,076
• List price: $149,000
• Delta: -21.20%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4706 Castle Stream Dr	0.41mi	3/2.0	1,190 (-8%)	2mo	$144,999	$122	64
5882 Castle Run	0.11mi	3/2.0	1,476 (+14%)	10mo	$259,900	$176	62
6027 Bluestem Way	0.53mi	3/2.0	1,197 (-8%)	0mo	$235,000	$196	60
6826 Hibiscus Fls	0.26mi	3/2.0	1,445 (+12%)	10mo	$220,000	$152	58
4875 Castle Arms	0.57mi	3/2.0	1,238 (-4%)	10mo	$184,999	$149	56
4835 Castle Sword	0.48mi	3/2.0	1,200 (-7%)	11mo	$185,000	$154	54
5623 Midcrown	0.58mi	3/2.0	1,393 (+8%)	7mo	$270,000	$194	52
4819 Castle Lance	0.64mi	4/2.0 (+1)	1,200 (-7%)	2mo	$209,000	$174	49
7231 Lavaca Blf	0.71mi	3/2.0	1,450 (+12%)	0mo	$215,000	$148	45
7115 Azalea Sq	0.54mi	3/2.0	1,454 (+12%)	10mo	$240,000	$165	44
7335 Bluebonnet Bay	0.67mi	3/2.0	1,414 (+9%)	12mo	$235,000	$166	42
5622 Raven	0.70mi	3/2.0	1,450 (+12%)	6mo	$245,000	$169	41

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: -17.2%
• Equity multiple: 0.41×
• Total profit: $-24,463
• Equity at exit: $22,216

10-year hold

• IRR: -17.6%
• Equity multiple: 0.19×
• Total profit: $-33,748
• Equity at exit: $12,883

Cash invested: $41,720 (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 78218

• Home prices YoY: -16.1%
• Rents YoY: -5.6%
• Active inventory: 131
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,649 high
• Mortgage (P&I): −$781
• Tax from tax record: −$391 /mo · $4,689/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$346
• Net cashflow: $69

Break-even live

Break-even rent $1,562

Max offer price $149,000

Occupancy floor 91%

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5874 Castle Run San Antonio, TX	4.0	2.0	1273	$1,300	$1.02	14d	1	0.13mi
6918 Pumpkin Cv San Antonio, TX	3.0	2.0	1378	$1,695	$1.23	1d	1	0.42mi
6431 Nolina Pass San Antonio, TX	3.0	2.0	1516	$2,150	$1.42	23d	1	0.48mi
6422 Hibiscus Fls San Antonio, TX	3.0	2.0	1417	$1,675	$1.18	23d	1	0.50mi
4862 Castle Arms San Antonio, TX	3.0	2.0	1350	$1,295	$0.96	43d	1	0.52mi
4903 Orchid Star San Antonio, TX	3.0	2.0	1737	$1,590	$0.92	23d	1	0.52mi
4822 Orchid Star San Antonio, TX	3.0	2.5	1450	$1,435	$0.99	23d	1	0.54mi
6026 Cielo Rnch San Antonio, TX	3.0	2.0	1800	$1,800	$1.00	43d	1	0.54mi
6026 Bluestem Way San Antonio, TX	3.0	2.0	1510	$1,697	$1.12	4d	1	0.56mi
6126 Plumbago Pl San Antonio, TX	3.0	2.0	1436	$1,595	$1.11	43d	1	0.58mi
6231 Antares San Antonio, TX	3.0	2.5	1822	$1,750	$0.96	16d	1	0.59mi
4843 Castle Shield San Antonio, TX	3.0	1.0	1032	$1,350	$1.31	23d	1	0.61mi
4807 Heather Pass San Antonio, TX	3.0	2.5	1554	$1,475	$0.95	23d	1	0.62mi
4807 Heather Pass San Antonio, TX	3.0	2.5	1554	$1,475	$0.95	10d	1	0.62mi
4863 Castle Shield San Antonio, TX	3.0	1.0	1472	$1,400	$0.95	4d	1	0.63mi
7238 Azalea Sq San Antonio, TX	3.0	2.5	1547	$1,550	$1.00	4d	1	0.65mi
7238 Azalea Sq San Antonio, TX	3.0	3.0	1547	$1,650	$1.07	43d	1	0.65mi
5911 Rolling Gln San Antonio, TX	3.0	2.0	1512	$1,600	$1.06	23d	1	0.66mi
6222 Fieldrun San Antonio, TX	3.0	2.5	1831	$2,000	$1.09	23d	1	0.67mi
7214 Lavaca Blf San Antonio, TX	4.0	2.0	1631	$1,800	$1.10	43d	1	0.69mi
7231 Lavaca Blf San Antonio, TX	3.0	2.0	1450	$1,550	$1.07	7d	1	0.71mi
7238 Rosada Way San Antonio, TX	3.0	2.0	1276	$1,650	$1.29	43d	1	0.73mi
7527 Spanish Dagger San Antonio, TX	3.0	2.0	1407	$1,700	$1.21	43d	1	0.76mi
7507 Whispine San Antonio, TX	4.0	2.5	1847	$1,900	$1.03	23d	1	0.76mi
7350 Rosada Way San Antonio, TX	4.0	2.5	1681	$1,750	$1.04	13d	1	0.77mi
5918 Poesta San Antonio, TX	3.0	2.0	1307	$1,650	$1.26	43d	1	0.77mi
7539 Spanish Dagger San Antonio, TX	3.0	2.5	1645	$1,830	$1.11	23d	1	0.78mi
7523 Whispine San Antonio, TX	3.0	2.0	1307	$1,720	$1.32	23d	1	0.79mi
7607 Millchase San Antonio, TX	3.0	2.0	1407	$1,700	$1.21	17d	1	0.81mi
5811 Camier Cv San Antonio, TX	3.0	2.5	1645	$1,830	$1.11	23d	1	0.81mi
5414 Stoneshire San Antonio, TX	3.0	2.0	1469	$2,000	$1.36	10d	1	0.81mi
5827 Camier Cv San Antonio, TX	3.0	2.0	1307	$1,650	$1.26	23d	1	0.82mi
7615 Millchase San Antonio, TX	4.0	2.5	1847	$1,900	$1.03	10d	1	0.82mi
6903 Cozy Run San Antonio, TX	3.0	2.0	1243	$1,550	$1.25	14d	1	0.83mi
5903 Camier Cv San Antonio, TX	3.0	2.0	1307	$1,695	$1.30	4d	1	0.83mi
5907 Camier Cv San Antonio, TX	4.0	2.5	1847	$1,900	$1.03	43d	1	0.84mi
5915 Camier Cv San Antonio, TX	3.0	2.0	1307	$1,720	$1.32	10d	1	0.84mi
6003 Camier Cv San Antonio, TX	3.0	2.0	1307	$1,650	$1.26	17d	1	0.87mi
5414 Midcrown Dr Unit 710 San Antonio, TX	2.0	2.0	998	$1,039	$1.04	2d	1	0.88mi
6023 Camier Cv San Antonio, TX	3.0	2.0	1407	$1,745	$1.24	23d	1	0.89mi

Listing history 20 events

1. 2026-06-18
   days on market $149,000 Active 66 DOM
2. 2026-06-17
   days on market $149,000 Active 65 DOM
3. 2026-06-16
   days on market $149,000 Active 64 DOM
4. 2026-06-15
   days on market $149,000 Active 63 DOM
5. 2026-06-13
   days on market $149,000 Active 61 DOM
6. 2026-06-09
   statusdays on market $149,000 Active 57 DOM
7. 2026-06-08
   days on market $149,000 Back on Market 56 DOM
8. 2026-06-07
   days on market $149,000 Back on Market 55 DOM
9. 2026-06-04
   days on market $149,000 Back on Market 52 DOM
10. 2026-06-03
    days on market $149,000 Back on Market 51 DOM
11. 2026-06-02
    days on market $149,000 Back on Market 50 DOM
12. 2026-06-01
    days on market $149,000 Back on Market 49 DOM
13. 2026-05-31
    days on market $149,000 Back on Market 48 DOM
14. 2026-05-11
    historical Active Option 202-char remark

    Show marketing remark (202 chars)

    Upgraded home on nice corner lot featuring 3 bedrooms and 2 full baths. Converted garage lends itself to be a flexible room. Large backyard with oversized workshop. This home is ready for new occupants.

15. 2026-04-13
    listed $149,000 New 202-char remark

    Show marketing remark (202 chars)

    Upgraded home on nice corner lot featuring 3 bedrooms and 2 full baths. Converted garage lends itself to be a flexible room. Large backyard with oversized workshop. This home is ready for new occupants.

16. 2019-07-08
    soldstatus
17. 2019-07-03
    soldstatus Sold 300-char remark

    Show marketing remark (300 chars)

    Lovely Fully renovated home on corner lot...Updates include Kitchen, baths, flooring, electrical, paint, siding and roof (decking/rafters)..Large patio, Large workshop in back yard for projects ...enclosed garage can be second living, office or bedroom (no closet)..close to HWY 35 and Ft Sam Houston

18. 2019-06-18
    status Pending 300-char remark

    Show marketing remark (300 chars)

    Lovely Fully renovated home on corner lot...Updates include Kitchen, baths, flooring, electrical, paint, siding and roof (decking/rafters)..Large patio, Large workshop in back yard for projects ...enclosed garage can be second living, office or bedroom (no closet)..close to HWY 35 and Ft Sam Houston

19. 2019-05-23
    historical Active Option 300-char remark

    Show marketing remark (300 chars)

    Lovely Fully renovated home on corner lot...Updates include Kitchen, baths, flooring, electrical, paint, siding and roof (decking/rafters)..Large patio, Large workshop in back yard for projects ...enclosed garage can be second living, office or bedroom (no closet)..close to HWY 35 and Ft Sam Houston

20. 2019-05-20
    listed $159,999 New 300-char remark

    Show marketing remark (300 chars)

    Lovely Fully renovated home on corner lot...Updates include Kitchen, baths, flooring, electrical, paint, siding and roof (decking/rafters)..Large patio, Large workshop in back yard for projects ...enclosed garage can be second living, office or bedroom (no closet)..close to HWY 35 and Ft Sam Houston

ⓘ 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: $4,689 · $391/mo
• Projected year-2 tax: $4,689 · $391/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 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,788
• − Mortgage interest: −$8,346
• − Property taxes: −$4,689
• − Insurance: −$745
• − Repairs & maintenance: −$1,583
• − Management: −$1,583
• − Depreciation: −$4,335
• Taxable loss: −$1,493
• Est. tax savings @ 24.0%: +$358
• After-tax cash flow: $1,180/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: Judson ISD
• NCES district ID: 4824990
• Math proficiency: 21% ▼ -21.00%
• Reading proficiency: 33% ▼ -7.00%
• Median HH income: $57,542
• Composite: 24.39/100
• National rank: #7689
• State rank: #660 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

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: San Antonio, TX
• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 39,428
• Household income: $57,285
• Rent vs Own: 51.8% rent · 48.2% own
• Severe rent burden: 2508.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Hispanic / Latino 53% Two or more races 26% White 25% Black 14% Asian 3% Native American 2%
• Hispanic origin (detail): Mexican 41% Puerto Rican 3%
• Common ancestry: Serbian 2% Italian 1% Romanian 1%
• Foreign-born: 18% · Canada, Vietnam, China
• Languages at home: 60% English-only · Spanish 34% Vietnamese 1% Other Asian/Pacific 1%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -52.17%
• Current HPI: 271.2807
• Rent YoY: ▼ -5.56%
• Metro: San Antonio-New Braunfels, 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

-6.9% since first listed

7 events — show timeline

• 2026-05-11 Contingent — LERA
• 2026-04-13 Listed $149,000 LERA
• 2019-07-08 Sold (Public Records) — Public Records
• 2019-07-03 Sold (MLS) — LERA
• 2019-06-18 Pending — LERA
• 2019-05-23 Contingent — LERA
• 2019-05-20 Listed $159,999 LERA

Property tax history

+14.3%/yr

Latest (2025): $4,689 · +1.5% YoY. Source: county tax records.