349 Coyote Creek Ct · Potosi, TX 79602

$250,990

5 bd · 3.0 ba · 1,804 sqft · SingleFamily · 94 Days on market

Built 2026 Excellent condition 3,055 sqft lot 2-car garage $139/sqft · 32% below area Est $369k · 32% under

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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 +25.4/30.0
• ARV discount +15.0/15.0
• DSCR +8.4/10.0
• 1% rule +6.7/10.0
• Schools +6.6/10.0
• Rent growth +5.0/5.0
• Condition / age +5.0/5.0
• Livability +3.5/5.0
• Appreciation +0.0/10.0

Listing remarks

MLS# 21292033 - Built by NHC - Dec 2026 completion! ~ Model 1804-2 B1 - Madison The Madison Plan from our Liberty Series combines style and functionality in a layout that maximizes space for your family’s needs. This 2-story home features 5 bedrooms, 3 bathrooms, a 2-car garage, and 1,804 square feet of well-designed living space. As you step inside, you’ll find a main-level bedroom and a full bathroom, offering a convenient option for guests or a home office.

Key facts

• 3,055 sq ft lot
• 2 garage spots
• Built 2026

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $251k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $453 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $251k).
• Recommended offer: $228k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.1% vs local median 5.2% in Potosi — 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 69/100 on livability (#398 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: health & safety D+, amenities F, commute F.
• Wylie ISD (rural): math 63% / reading 62% proficiency, ranked #32 of 826 in TX (top 4%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 17% free/reduced lunch — higher-income household profile.
• Zoned schools: Wylie West Int (math 64% / reading 64%, grade B, #283 of 4,322 statewide, top 7%, 459 students, 24% FRL); Wylie West J H (math 62% / reading 58%, grade B, #158 of 1,662 statewide, top 10%, 972 students, 24% FRL); Wylie H S (math 60% / reading 76%, grade B, #150 of 1,632 statewide, top 10%, 1,467 students, 18% FRL) — zoned schools at 22% FRL track the district average.
• Market conditions: Rents rising fast (+33.5%/yr); 620 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 508 units permitted in Taylor County in 2024 (0 in 5+ unit buildings).
• This rent runs 39% of the median local income ($90k/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 $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Taylor County population projected at +16% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $70k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 94 days — a 9% lower offer ($228k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $228,400 (9.0% below list)

Questions for the listing agent

1. It's been on market 94 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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.
7. 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.
8. 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: 9.06%
• Cash-on-cash: 9.88%
• DSCR: 1.44
• GRM: 7.1

CMA / ARV

• ARV (median comp): $368,959
• List price: $250,990
• Delta: -31.97%
• Verdict: UNDERPRICED
• Comps: 7 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
249 Coyote Creek Ct	0.01mi	5/3.0	1,804 (0%)	1mo	$249,990	$139	99
117 Gulfstream	1.12mi	4/2.0 (-1)	2,046 (+13%)	2mo	$475,000	$232	32
190 Raymonds Way	0.81mi	4/2.0 (-1)	2,036 (+13%)	11mo	$384,900	$189	25
182 Bluebird Ln	0.94mi	4/2.0 (-1)	2,111 (+17%)	13mo	$460,000	$218	20
170 Boeing Ln	1.08mi	4/2.0 (-1)	2,120 (+18%)	21mo	$396,900	$187	13

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 1.3%
• Equity multiple: 1.05×
• Total profit: $3,803
• Equity at exit: $37,423

10-year hold

• IRR: 15.6%
• Equity multiple: 2.59×
• Total profit: $111,420
• Equity at exit: $21,701

Cash invested: $70,277 (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 →

Seller's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 1 active · 6 under contract
• Months of supply: 2.0 mo (50%/mo absorbed)
• Median asking: $273,990 ($152/sqft)
• Median days on market: 63 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +34.7% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 79602

• Home prices YoY: -19.6%
• Rents YoY: 33.5%
• Active inventory: 620
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $2,928 medium
• Mortgage (P&I): −$1,316
• Tax est. 1.5%: −$314 /mo · $3,765/yr
• Insurance: −$105
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$615
• Net cashflow: $453

Break-even live

Break-even rent $2,354

Max offer price $250,990

Occupancy floor 80%

Sensitivity live

Price	-10% $627	-5% $540	+0% $453	+5% $367	+10% $280
Rent	-10% $222	-5% $338	+0% $453	+5% $569	+10% $685
Rate	-1.0pp $580	-0.5pp $517	base $453	+0.5pp $388	+1.0pp $322

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: $62,748
• Closing costs: $7,530
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
133 Bell St Abilene, TX	4.0	2.0	1925	$3,500	$1.82	77d	1	1.20mi

Property features AI

Finance

• Other: Property listed for salePossession at closing/funding
• Financial info: Treat as clear loan typeNo second mortgage indicatedListing is builder special listing condition
• HOA & community: No associationNo annual association fee

Exterior

• Parking: Attached 2-car garage2 covered parking spacesGarage faces front
• Utilities: City waterCity sewerNo municipal utility district
• Home design: Single-family residenceNew construction (incomplete)Two-story homeNot attached to other properties
• Construction: Built in 2026Brick and siding exteriorComposition roofSlab foundation
• Exterior features: Condo/townhome-style lot in Cedar Creek On Maple subdivisionDirections available

Interior

• Kitchen: DishwasherElectric rangeMicrowaveEat-in kitchen
• Bedrooms: Five bedrooms totalPrimary bedroom on second floor with dual sinks and walk-in closetAdditional bedrooms on first and second floors
• Flooring: CarpetLaminateLuxury vinyl plank
• Bathrooms: Three full bathrooms
• Heating & cooling: Electric heatingCentral air conditioning (electric)
• Interior features: Double vanitiesEat-in kitchenWalk-in closetsOne living areaOne dining areaRoom count: 8Two levels
• Laundry & utility: Utilities: City water and city sewer

Listing history 50 events

1. 2026-09-24
   days on market $250,990 Active 94 DOM
2. 2026-09-24
   days on market $250,990 Active 93 DOM
3. 2026-09-22
   days on market $250,990 Active 92 DOM
4. 2026-09-20
   days on market $250,990 Active 90 DOM
5. 2026-09-19
   days on market $250,990 Active 89 DOM
6. 2026-09-18
   days on market $250,990 Active 88 DOM
7. 2026-09-17
   days on market $250,990 Active 87 DOM
8. 2026-09-16
   days on market $250,990 Active 86 DOM
9. 2026-09-15
   days on market $250,990 Active 85 DOM
10. 2026-09-14
    days on market $250,990 Active 84 DOM
11. 2026-09-13
    days on market $250,990 Active 83 DOM
12. 2026-09-12
    days on market $250,990 Active 82 DOM
13. 2026-09-11
    days on market $250,990 Active 81 DOM
14. 2026-09-05
    days on market $250,990 Active 75 DOM
15. 2026-09-04
    days on market $250,990 Active 74 DOM
16. 2026-09-03
    days on market $250,990 Active 73 DOM
17. 2026-08-30
    days on market $250,990 Active 69 DOM
18. 2026-08-29
    days on market $250,990 Active 68 DOM
19. 2026-08-28
    days on market $250,990 Active 67 DOM
20. 2026-08-27
    days on market $250,990 Active 66 DOM
21. 2026-08-25
    days on market $250,990 Active 64 DOM
22. 2026-08-24
    days on market $250,990 Active 63 DOM
23. 2026-08-23
    days on market $250,990 Active 62 DOM
24. 2026-08-22
    days on market $250,990 Active 61 DOM
25. 2026-08-21
    days on market $250,990 Active 60 DOM
26. 2026-08-20
    days on market $250,990 Active 59 DOM
27. 2026-08-19
    days on market $250,990 Active 58 DOM
28. 2026-08-18
    days on market $250,990 Active 57 DOM
29. 2026-08-17
    days on market $250,990 Active 56 DOM
30. 2026-08-16
    days on market $250,990 Active 55 DOM
31. 2026-08-15
    days on market $250,990 Active 54 DOM
32. 2026-08-14
    days on market $250,990 Active 53 DOM
33. 2026-08-13
    days on market $250,990 Active 52 DOM
34. 2026-08-12
    days on market $250,990 Active 51 DOM
35. 2026-08-11
    days on market $250,990 Active 50 DOM
36. 2026-08-10
    days on market $250,990 Active 49 DOM
37. 2026-08-09
    days on market $250,990 Active 48 DOM
38. 2026-08-08
    days on market $250,990 Active 47 DOM
39. 2026-08-07
    days on market $250,990 Active 46 DOM
40. 2026-08-06
    days on market $250,990 Active 45 DOM
41. 2026-08-05
    days on market $250,990 Active 44 DOM
42. 2026-08-04
    days on market $250,990 Active 43 DOM
43. 2026-08-03
    days on market $250,990 Active 42 DOM
44. 2026-07-31
    days on market $250,990 Active 39 DOM
45. 2026-07-30
    days on market $250,990 Active 38 DOM
46. 2026-07-29
    days on market $250,990 Active 37 DOM
47. 2026-07-27
    days on market $250,990 Active 35 DOM
48. 2026-07-25
    days on market $250,990 Active 33 DOM
49. 2026-07-24
    days on market $250,990 Active 32 DOM
50. 2026-07-23
    days on market $250,990 Active 31 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone A · 0% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥103°F today · 24 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 22% 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: $35,137
• − Mortgage interest: −$14,059
• − Property taxes: −$3,765
• − Insurance: −$2,757
• − Repairs & maintenance: −$2,811
• − Management: −$2,811
• − Depreciation: −$7,302
• Taxable income: $1,632
• Est. tax owed @ 24.0%: −$392
• After-tax cash flow: $5,050/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.

Condition & rehab AI · 6 photos

Excellent 100/100 None rehab

This home is in excellent condition with no visible repairs needed. It is move-in ready and offers a great value for both resale and rental.

Value-add opportunities

• Both Landscaping improvements — Enhances curb appeal and adds value. ↑
• Both Painting exterior and interior — Fresh paint can make the home look newer and more appealing. ↑
• Both Landscaping and curb appeal — Improves the home's overall appearance and can increase its value. ↑
• Rental HVAC maintenance — Ensures the home is comfortable and energy-efficient for tenants. ↑

C Composite school gradezoned avg 66/100

Zoned Schools

Elementary Wylie West Int B TX #283/4,322 Nat'l #5,798/41,679 High Wylie H S B TX #150/1,632 Nat'l #2,439/17,239

Schools (NCES district)

• District: Wylie ISD
• NCES district ID: 4846500
• Math proficiency: 63% ▼ -12.00%
• Reading proficiency: 62% ▼ -4.00%
• Median HH income: $78,248
• Composite: 55.86/100
• National rank: #1206
• State rank: #32 of 826 in TX

C Composite livability gradescore 69/100

Livability — Potosi

• Score: 69/100
• State rank: #398
• US rank: #8264

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Potosi, TX
• County: Taylor County · 145,270 people
• City population: 26,588
• Metro: Abilene, TX
• Population (ZIP): 27,425
• Household income: $89,551
• Rent vs Own: 24.3% rent · 75.7% own
• Severe rent burden: 9% of renters

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Population outlook (Taylor County) Hauer SSP2

• Today (2025): 145,270 people
• By 2030: 150,050 · +3.3%
• By 2040: 159,417 · +9.7%
• By 2050: 168,883 · +16.3%
• By 2075: 194,436 · +33.8%
• By 2100: 203,163 · +39.9%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (64%)
• Race & ethnicity: White 64% Hispanic / Latino 22% Two or more races 12% Black 10% Asian 2%
• Hispanic origin (detail): Mexican 19%
• Common ancestry: Romanian 2% Italian 2% Portuguese 2%
• Foreign-born: 6% · Canada, Vietnam, Jamaica
• Languages at home: 87% English-only · Spanish 9% Other Asian/Pacific 1% French/Haitian/Cajun 1%

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Political lean MEDSL · Taylor

• 2024 margin: Solid R (+49.8) · D 24.6% · R 74.4% · Other 1.0%
• 2008→2024 swing: -4.2pp toward R · 2008: -45.6pp · 2024: -49.8pp
• All cycles: 2024: R+49.8 2020: R+45.3 2016: R+51.1 2012: R+53.6 2008: R+45.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -46.04%
• Current HPI: 189.3098
• Rent YoY: ▲ 33.46%
• Metro: Abilene, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

Property features AI

Finance

• Other: Property listed for salePossession at closing/funding
• Financial info: Treat as clear loan typeNo second mortgage indicatedListing is builder special listing condition
• HOA & community: No associationNo annual association fee

Exterior

• Parking: Attached 2-car garage2 covered parking spacesGarage faces front
• Utilities: City waterCity sewerNo municipal utility district
• Home design: Single-family residenceNew construction (incomplete)Two-story homeNot attached to other properties
• Construction: Built in 2026Brick and siding exteriorComposition roofSlab foundation
• Exterior features: Condo/townhome-style lot in Cedar Creek On Maple subdivisionDirections available

Interior

• Kitchen: DishwasherElectric rangeMicrowaveEat-in kitchen
• Bedrooms: Five bedrooms totalPrimary bedroom on second floor with dual sinks and walk-in closetAdditional bedrooms on first and second floors
• Flooring: CarpetLaminateLuxury vinyl plank
• Bathrooms: Three full bathrooms
• Heating & cooling: Electric heatingCentral air conditioning (electric)
• Interior features: Double vanitiesEat-in kitchenWalk-in closetsOne living areaOne dining areaRoom count: 8Two levels
• Laundry & utility: Utilities: City water and city sewer

Price history

2 events — show timeline

• 2026-06-23 Relisted — NTREIS
• 2026-06-02 Listed $250,990 NTREIS