5212 N Taylor Rd · Palmhurst, TX 78573

$120,000

3 bd · 2.0 ba · 1,114 sqft · Other public records · 786 Days on market

Built 1982 5,637 sqft lot $108/sqft · 35% below area Est $184k · 35% under ↓ 47% since listing

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Why this score? — see what drove the B- 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 +17.6/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +5.5/10.0
• 1% rule +5.1/10.0
• Schools +3.4/10.0
• Livability +3.2/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

The property is located in Sharyland on Taylor Road just south of 4 Mile. Walking distance to North Junior High and Wernecke Elementary. 5212 has 2 Bedrooms/1 Bath. The unit has all tile with a Single Living open to a Breakfast Area and Side Patio. Galley Kitchens that include a Stove and Refrigerator. The Laundry Connections are in the Hall Bathroom. The yard to the rear is large and has plenty of room for playing. Front parking only.

Key facts

• Spacious rear yard
• 5,637 sq ft lot
• Built 1982

Tags

• TILE FLOORING THROUGHOUT
• GALLEY KITCHENS INCLUDED
• SPACIOUS REAR YARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $120k.

Deal economics

• At list price, monthly cash flow is $94 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $106k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#895 in TX) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living B+, employment B; Watch: crime C-, amenities F, commute F.
• Sharyland ISD (urban): math 34% / reading 44% proficiency, ranked #406 of 826 in TX (top 49%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.5%/yr); 624 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).

Forward outlook

• In year one you build about $13k of equity ($830 loan paydown + $12k appreciation (10.0% local appreciation)).
• Hidalgo County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 2.5% rent growth), your $34k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 786 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $28k (19%) 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; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $105,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 786 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. 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: 1.01% ✓
• Cap rate: 7.23%
• Cash-on-cash: 3.34%
• DSCR: 1.15
• GRM: 8.2

CMA / ARV

• ARV (median comp): $184,124
• List price: $120,000
• Delta: -34.83%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 2.45% rent growth · sell at horizon

5-year hold

• IRR: 26.5%
• Equity multiple: 3.10×
• Total profit: $70,691
• Equity at exit: $108,106

10-year hold

• IRR: 23.1%
• Equity multiple: 7.02×
• Total profit: $202,239
• Equity at exit: $233,134

Cash invested: $33,600 (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 78573

• Home prices YoY: 8.0%
• Rents YoY: 2.5%
• Active inventory: 624
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,213 high
• Mortgage (P&I): −$629
• Tax from tax record: −$185 /mo · $2,220/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$255
• Net cashflow: $94

Break-even live

Break-even rent $1,094

Max offer price $120,000

Occupancy floor 87%

Sensitivity live

Price	-10% $162	-5% $128	+0% $94	+5% $60	+10% $26
Rent	-10% $-2	-5% $46	+0% $94	+5% $142	+10% $189
Rate	-1.0pp $154	-0.5pp $124	base $94	+0.5pp $63	+1.0pp $31

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4808 Ibis Ave McAllen, TX	4.0	2.0	1364	$1,500	$1.10	45d	1	0.22mi
4305 Heron Ave Unit 6 McAllen, TX	3.0	2.0	980	$1,300	$1.33	45d	1	0.23mi
4805 Jay Ave McAllen, TX	3.0	2.0	1163	$1,500	$1.29	45d	1	0.23mi
5609 Nightingale Ave Unit 2 Mission, TX	2.0	2.0	900	$1,200	$1.33	45d	1	0.37mi
5701 Nightingale Mission, TX	2.0	2.0	910	$950	$1.04	24d	1	0.39mi
5701 Nightingale Mission, TX	2.0	2.0	910	$1,000	$1.10	45d	1	0.39mi
5701 Nightingale Ave Unit 3 Mission, TX	2.0	2.0	1056	$950	$0.90	45d	1	0.39mi
5709 Nightingale Ave Unit 1 McAllen, TX	3.0	2.0	1010	$1,050	$1.04	45d	1	0.43mi
5708 Nightingale Ave Unit 2 McAllen, TX	2.0	2.0	1100	$1,500	$1.36	15d	1	0.44mi
5800 Nightingale Ave #1 Mission, TX	2.0	2.0	987	$1,100	$1.11	45d	1	0.46mi
5804 Nightingale Ave Unit 4 Mission, TX	2.0	2.0	983	$1,040	$1.06	24d	1	0.47mi
5900 Nightingale Mission, TX	3.0	2.0	1020	$1,100	$1.08	24d	1	0.49mi
5601 Puffin Ave Unit 1 Mission, TX	2.0	2.0	930	$1,075	$1.16	24d	1	0.52mi
5701 Puffin Ave Unit 3 Palmhurst, TX	2.0	2.0	990	$990	$1.00	24d	1	0.53mi
5605 Quail Ave McAllen, TX	2.0	2.0	980	$990	$1.01	15d	1	0.54mi
5601 Quail Ave Unit 4 Palmhurst, TX	3.0	2.0	1126	$1,150	$1.02	24d	1	0.56mi
5700 Puffin Ave Unit 2 Palmhurst, TX	2.0	2.0	1026	$1,050	$1.02	45d	1	0.56mi
6902 N 56th Ln Unit 1 Mission, TX	2.0	2.0	990	$990	$1.00	24d	1	0.56mi
5805 Puffin Ave Mission, TX	2.0	2.0	999	$1,000	$1.00	45d	1	0.57mi
5805 Puffin Ave Unit 1 Palmhurst, TX	2.0	2.0	1093	$1,000	$0.91	15d	1	0.57mi
5609 Quail Ave Unit 4 Palmhurst, TX	3.0	2.0	1126	$1,190	$1.06	45d	1	0.58mi
5609 Quail Ave Unit 3 Palmhurst, TX	2.0	2.0	970	$950	$0.98	20d	1	0.58mi
5708 Puffin Ave Unit 1 Palmhurst, TX	2.0	2.0	1026	$1,050	$1.02	45d	1	0.58mi
5905 Puffin Ave Unit 1 Mission, TX	2.0	2.0	900	$1,200	$1.33	45d	1	0.59mi
5600 Quail Ave Unit 1 Mission, TX	3.0	2.0	1126	$1,300	$1.15	45d	1	0.59mi
5900 Puffin Ave Unit 1 Palmhurst, TX	2.0	2.0	1000	$1,000	$1.00	15d	1	0.61mi
5900 Puffin Ave Unit 2 Palmhurst, TX	2.0	2.0	1000	$1,100	$1.10	45d	1	0.61mi
5909 Puffin Ave Unit 3 Palmhurst, TX	2.0	2.0	932	$900	$0.97	20d	1	0.61mi
5601 Swallow Ave Unit 1 Palmhurst, TX	2.0	2.0	980	$1,100	$1.12	45d	1	0.61mi
5601 Swallow Ave Unit 2 Palmhurst, TX	3.0	2.0	1126	$1,190	$1.06	45d	1	0.61mi
5605 Swallow Ave Unit 3 Palmhurst, TX	2.0	2.0	980	$1,000	$1.02	45d	1	0.62mi
5609 Swallow Ave Unit 2 Palmhurst, TX	3.0	2.0	980	$1,190	$1.21	45d	1	0.63mi
4616 Xanthisma Ave McAllen, TX	3.0	2.0	1332	$1,950	$1.46	15d	1	0.66mi
5805 Swallow Ave Unit 3 McAllen, TX	3.0	2.0	1080	$1,150	$1.06	45d	1	0.66mi
5805 Swallow Ave Unit 1 McAllen, TX	3.0	2.0	1080	$1,150	$1.06	15d	1	0.66mi
5700 Swallow Ave Unit 4 Mission, TX	3.0	2.0	1093	$1,250	$1.14	15d	1	0.67mi
5901 Swallow Ave Unit 1 McAllen, TX	3.0	2.0	1080	$1,095	$1.01	24d	1	0.67mi
4616 Swallow Ave McAllen, TX	3.0	2.0	1381	$1,600	$1.16	15d	1	0.68mi
5604 Sandpiper Ave Unit 2 Alton, TX	3.0	2.0	1125	$1,150	$1.02	45d	1	0.69mi
5909 Swallow Ave Unit 1 Palmhurst, TX	2.0	2.0	1000	$1,200	$1.20	45d	1	0.69mi

Listing history 19 events

1. 2026-06-18
   days on market $120,000 Active 786 DOM
2. 2026-06-17
   days on market $120,000 Active 785 DOM
3. 2026-06-16
   days on market $120,000 Active 784 DOM
4. 2026-06-15
   days on market $120,000 Active 783 DOM
5. 2026-06-14
   days on market $120,000 Active 781 DOM
6. 2026-06-10
   days on market $120,000 Active 778 DOM
7. 2026-06-09
   days on market $120,000 Active 777 DOM
8. 2026-06-08
   days on market $120,000 Active 776 DOM
9. 2026-06-07
   days on market $120,000 Active 775 DOM
10. 2026-06-03
    days on market $120,000 Active 771 DOM
11. 2026-06-02
    days on market $120,000 Active 770 DOM
12. 2026-06-01
    days on market $120,000 Active 769 DOM
13. 2026-05-31
    days on market $120,000 Active 768 DOM
14. 2026-05-31
    days on market $120,000 Active 767 DOM
15. 2025-03-05
    price $120,000 445-char remark

    Show marketing remark (445 chars)

    The property is located in Sharyland on Taylor Road just south of 4 Mile. Walking distance to North Junior High and Wernecke Elementary. 5212 has 2 Bedrooms/1 Bath. The unit has all tile with a Single Living open to a Breakfast Area and Side Patio. Galley Kitchens that include a Stove and Refrigerator. The Laundry Connections are in the Hall Bathroom. The yard to the rear is large and has plenty of room for playing. Front parking only.

16. 2024-04-23
    listed $147,500 Active 445-char remark

    Show marketing remark (445 chars)

    The property is located in Sharyland on Taylor Road just south of 4 Mile. Walking distance to North Junior High and Wernecke Elementary. 5212 has 2 Bedrooms/1 Bath. The unit has all tile with a Single Living open to a Breakfast Area and Side Patio. Galley Kitchens that include a Stove and Refrigerator. The Laundry Connections are in the Hall Bathroom. The yard to the rear is large and has plenty of room for playing. Front parking only.

17. 2023-08-28
    listed $225,000 Active
18. 2009-03-03
    soldstatus
19. 2002-03-27
    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 TX · Resets to sale price

• Current annual tax: $2,220 · $185/mo
• Projected year-2 tax: $2,220 · $185/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 · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% 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: $14,551
• − Mortgage interest: −$6,722
• − Property taxes: −$2,220
• − Insurance: −$600
• − Repairs & maintenance: −$1,164
• − Management: −$1,164
• − Depreciation: −$3,491
• Taxable loss: −$810
• Est. tax savings @ 24.0%: +$194
• After-tax cash flow: $1,318/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: Sharyland ISD
• NCES district ID: 4839930
• Math proficiency: 34% ▼ -35.00%
• Reading proficiency: 44% ▼ -15.00%
• Median HH income: $57,792
• Composite: 34.38/100
• National rank: #5214
• State rank: #406 of 826 in TX

Livability — Palmhurst

• Score: 63/100
• State rank: #895
• US rank: #16053

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Hidalgo County · 623,128 people
• Metro: McAllen-Edinburg-Mission, TX
• Population (ZIP): 44,809
• Household income: $55,000
• Rent vs Own: 34.0% rent · 66.0% own
• Severe rent burden: 855.0

Population outlook (Hidalgo County) Hauer SSP2

• Today (2025): 955,232 people
• By 2030: 1,009,774 · +5.7%
• By 2040: 1,120,332 · +17.3%
• By 2050: 1,225,036 · +28.2%
• By 2075: 1,439,189 · +50.7%
• By 2100: 1,533,429 · +60.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (96%)
• Race & ethnicity: Hispanic / Latino 96% Two or more races 63% White 3%
• Hispanic origin (detail): Mexican 94%
• Foreign-born: 28% · Canada
• Languages at home: 12% English-only · Spanish 88%

Political lean MEDSL · Hidalgo

• 2024 margin: Toss-up / Even · D 48.1% · R 51.0%
• 2008→2024 swing: -41.6pp toward R · 2008: 38.7pp · 2024: -2.9pp
• All cycles: 2024: R+2.9 2020: D+17.1 2016: D+40.5 2012: D+41.8 2008: D+38.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 17.95%
• Current HPI: 242.0711
• Rent YoY: ▲ 2.45%
• Metro: McAllen-Edinburg-Mission, 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

-46.7% since first listed

5 events — show timeline

• 2025-03-05 Price Changed $120,000 MCALLENMLS
• 2024-04-23 Listed $147,500 MCALLENMLS
• 2023-08-28 Listed $225,000 MCALLENMLS
• 2009-03-03 Sold (Public Records) — Public Records
• 2002-03-27 Sold (Public Records) — Public Records

Property tax history

+7.4%/yr

Latest (2025): $2,220 · +20.0% YoY. Source: county tax records.