2810 W Avenue H · Temple, TX 76504

$125,000

3 bd · 1.0 ba · 1,516 sqft · SingleFamily public records · 10 Days on market

Built 1952 6,751 sqft lot Est $194k · 36% under

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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 +23.7/30.0
• ARV discount +15.0/15.0
• DSCR +7.6/10.0
• 1% rule +6.7/10.0
• Livability +3.8/5.0
• Schools +2.7/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

UPDATES and OPPORTUNITY! Classic 1952 home and property with 3 beds and 1.5 baths. RECENT UPDATES include - HVAC, Roof, Fresh paint on metal siding, Carports, ELECTRIC BOXS inside and out. Large Lot with CITY STREET and ALLEY Access. Storage shed and Extra covered parking in back. Easy to see!

Key facts

• Alley access
• Recent updates
• City street access

Tags

• RECENT UPDATES
• CITY STREET ACCESS
• ALLEY ACCESS
• STORAGE SHED
• EXTRA COVERED PARKING

Property features AI

Exterior

• Parking: Carport with 3 spaces
• Utilities: Public water; Public sewer; Electric service (implied)
• Home design: Single-story; Resale property
• Construction: Metal siding; Composition/shingle roof; Pillar/post/pier foundation; Year built per assessor
• Exterior features: Covered patio; Covered porch/patio; Outbuilding; Chain-link fencing in back yard

Interior

• Kitchen: Dishwasher; Electric range; Additional appliances or details: see remarks
• Flooring: Carpet; Hardwood; Laminate; Linoleum; Wood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Heating present; One cooling unit
• Interior features: Ceiling fans; Other (see remarks)
• Laundry & utility: Laundry in utility room; Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $237 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Cap rate 8.6% vs local median 3.6% in Temple — 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 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 276 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).
• This rent runs 33% of the median local income ($53k/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 $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 76% 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 $125,000

Questions for the listing agent

1. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.17% ✓
• Cap rate: 8.57%
• Cash-on-cash: 8.13%
• DSCR: 1.36
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $194,048
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
414 Keller Rd	0.33mi	3/2.0	1,536 (+1%)	5mo	$172,500	$112	74
1014 S 49th St	0.24mi	3/2.0	1,500 (-1%)	17mo	$175,000	$117	69
2616 W Avenue P	0.55mi	3/2.0	1,526 (+1%)	6mo	$75,500	$49	65
410 Phoenix Dr	0.39mi	3/2.0	1,624 (+7%)	5mo	$195,000	$120	62
3406 Elk Trl	0.52mi	3/2.0	1,653 (+9%)	0mo	$210,000	$127	57
4811 George Cunningham Loop	0.47mi	3/2.5	1,360 (-10%)	2mo	$193,990	$143	54
4727 George Cunningham Loop	0.47mi	3/2.5	1,360 (-10%)	2mo	$198,990	$146	53
2904 W Avenue R	0.65mi	3/2.0	1,667 (+10%)	9mo	$229,900	$138	42
3502 Chisholm Trl	0.62mi	3/2.0	1,682 (+11%)	9mo	$199,900	$119	41
3813 Keller Rd	0.72mi	4/2.0 (+1)	1,676 (+11%)	1mo	$213,990	$128	39
3825 Keller Rd	0.75mi	4/2.0 (+1)	1,676 (+11%)	2mo	$223,990	$134	37
3821 Keller Rd	0.74mi	4/2.0 (+1)	1,716 (+13%)	3mo	$232,990	$136	32

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 · 0.33% rent growth · sell at horizon

5-year hold

• IRR: -7.1%
• Equity multiple: 0.74×
• Total profit: $-8,936
• Equity at exit: $18,638

10-year hold

• IRR: -1.4%
• Equity multiple: 0.91×
• Total profit: $-3,029
• Equity at exit: $10,808

Cash invested: $35,000 (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 76504

• Rents YoY: 0.3%
• Active inventory: 276
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,466 high
• Mortgage (P&I): −$656
• Tax from tax record: −$214 /mo · $2,563/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$308
• Net cashflow: $237

Break-even live

Break-even rent $1,166

Max offer price $125,000

Occupancy floor 79%

Sensitivity live

Price	-10% $308	-5% $272	+0% $237	+5% $202	+10% $166
Rent	-10% $121	-5% $179	+0% $237	+5% $295	+10% $353
Rate	-1.0pp $300	-0.5pp $269	base $237	+0.5pp $205	+1.0pp $172

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
506A Keller Rd Temple, TX	3.0	2.0	1232	$1,010	$0.82	24d	1	0.26mi
405A Cheyenne Dr Temple, TX	3.0	2.0	1177	$1,225	$1.04	14d	1	0.38mi
3007 Antelope Trl Temple, TX	1.0–3.0	1.0–2.0	940	$1,550	$1.65	14d	18	0.44mi
1506 Live Oak Dr Temple, TX	3.0	2.0	1571	$1,475	$0.94	44d	1	0.51mi
1401 S 47th St Temple, TX	3.0	1.0	1204	$1,395	$1.16	44d	1	0.53mi
3010 Ira Young Dr Temple, TX	1.0–2.0	1.0–2.0	1097	$1,610	$1.47	14d	5	0.57mi
1508 S 43rd St Temple, TX	3.0	2.0	1164	$1,495	$1.28	44d	1	0.66mi
2803 Ira Young Dr Temple, TX	1.0–2.0	1.0–2.0	893	$1,800	$2.02	14d	3	0.67mi
1519 S 43rd St Temple, TX	3.0	2.0	1400	$1,595	$1.14	14d	1	0.69mi
3009 Ira Young Dr Temple, TX	1.0–2.0	1.0–2.0	940	$1,800	$1.91	14d	10	0.69mi
1609 S 39th St Temple, TX	3.0	1.0	1207	$1,500	$1.24	44d	1	0.82mi
1606 S 37th St Temple, TX	2.0	1.0	1264	$1,400	$1.11	44d	1	0.84mi
1817 S 45th St Temple, TX	3.0	2.0	1288	$1,495	$1.16	24d	1	0.85mi
2008 S 55th St Temple, TX	2.0	2.5	1242	$1,110	$0.89	44d	1	0.88mi
1001 S 29th St Temple, TX	3.0	1.0	1080	$1,400	$1.30	24d	1	0.93mi
420 S 27th St Temple, TX	2.0	2.0	1200	$1,395	$1.16	14d	1	0.99mi
2106 S 47th St Temple, TX	3.0	2.0	1498	$1,645	$1.10	14d	1	0.99mi
2930 Saulsbury Dr Unit B Temple, TX	3.0	2.0	1308	$1,350	$1.03	44d	1	1.05mi
4102 W Adams Ave Temple, TX	1.0–3.0	1.0–2.0	955	$1,385	$1.45	14d	16	1.07mi
709 Bunker Hill Dr Unit A Temple, TX	3.0	2.0	1090	$1,095	$1.00	14d	1	1.08mi
3311 SW H K Dodgen Loop Temple, TX	2.0	2.0	1150	$1,199	$1.04	44d	1	1.08mi
2406 Saulsbury Dr Temple, TX	1.0–2.0	1.0–2.0	935	$950	$1.02	14d	2	1.08mi
2102 Scott Blvd Temple, TX	1.0–3.0	1.0–2.0	924	$2,165	$2.34	14d	22	1.09mi
2012 S 31st St Temple, TX	3.0	2.0	1273	$1,919	$1.51	44d	1	1.13mi
2405A Patrick Henry St Temple, TX	2.0	2.0	1071	$1,101	$1.03	24d	1	1.16mi
202 Woodbridge Blvd Temple, TX	1.0–3.0	1.0–2.0	1012	$1,745	$1.72	14d	11	1.16mi
275 Olaf Dr Unit A Temple, TX	3.0	2.0	1334	$1,325	$0.99	44d	1	1.17mi
601 Twin Oaks Dr Temple, TX	1.0–3.0	1.0–2.0	882	$1,439	$1.63	14d	17	1.19mi
720 Frank Weise Blvd Unit A Temple, TX	3.0	2.0	1400	$1,600	$1.14	14d	1	1.20mi
2401 Paul Revere St Temple, TX	3.0	2.0	1200	$1,295	$1.08	44d	1	1.20mi
403 Olaf Dr Temple, TX	3.0	2.0	1321	$1,495	$1.13	24d	1	1.25mi
403 Olaf Dr Unit A Temple, TX	3.0	2.0	1321	$1,350	$1.02	24d	1	1.25mi
2510 Bunker Hill Dr Temple, TX	3.0	2.0	1647	$1,775	$1.08	24d	1	1.27mi
2414 Bunker Hill Dr Unit B Temple, TX	2.0	1.5	1054	$1,195	$1.13	44d	1	1.28mi
607 Olaf Dr Temple, TX	3.0	2.0	1269	$1,350	$1.06	24d	1	1.36mi
608 Olaf Dr Unit B Temple, TX	3.0	2.0	1308	$1,295	$0.99	44d	1	1.38mi
1806 S 19th St Temple, TX	3.0	2.0	1640	$1,300	$0.79	24d	1	1.42mi
1214 Jamestown Dr Temple, TX	3.0	2.0	1318	$1,575	$1.19	44d	1	1.42mi
2510 S 31st St Temple, TX	1.0–3.0	1.0–2.0	987	$1,640	$1.66	14d	26	1.44mi
1317 S 15th St Temple, TX	3.0	1.0	1751	$1,495	$0.85	24d	1	1.45mi

Listing history 7 events

1. 2026-06-07
   statusdays on market $125,000 Pending 10 DOM
2. 2026-06-03
   days on market $125,000 Active 8 DOM
3. 2026-06-02
   days on market $125,000 Active 7 DOM
4. 2026-06-01
   days on market $125,000 Active 6 DOM
5. 2026-05-31
   days on market $125,000 Active 5 DOM
6. 2026-05-30
   days on market $125,000 Active 4 DOM
7. 2026-05-26
   listed $125,000 Active

ⓘ 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: $2,563 · $214/mo
• Projected year-2 tax: $2,563 · $214/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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 76% 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: $17,593
• − Mortgage interest: −$7,002
• − Property taxes: −$2,563
• − Insurance: −$625
• − Repairs & maintenance: −$1,407
• − Management: −$1,407
• − Depreciation: −$3,636
• Taxable income: $952
• Est. tax owed @ 24.0%: −$229
• After-tax cash flow: $2,616/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: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 26,166
• Household income: $52,803
• Rent vs Own: 68.6% rent · 31.4% own
• Severe rent burden: 1489.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 49% Hispanic / Latino 29% Black 15% Two or more races 14% Asian 1%
• Hispanic origin (detail): Mexican 24% Puerto Rican 2%
• Common ancestry: Italian 2% Romanian 2% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -159.28%
• Current HPI: 186.1148
• Rent YoY: ▲ 0.33%
• Metro: Killeen-Temple, 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

1 event — show timeline

• 2026-05-26 Listed $125,000 CTXMLS

Property tax history

+4.6%/yr

Latest (2025): $2,563 · +12.3% YoY. Source: county tax records.