211 Ramon Private Rd · Palmview, TX 78572

$115,000

3 bd · 1.0 ba · 988 sqft · SingleFamily public records · 73 Days on market

Built 1980 5,227 sqft lot $116/sqft · 16% below area Est $138k · 16% under ↓ 23% 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 +25.1/30.0
• ARV discount +14.9/15.0
• DSCR +8.2/10.0
• 1% rule +6.6/10.0
• Livability +2.9/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the potential in this Cozy 3 bedroom 1 bath home tucked away in a private Rd in Palmview, Tx! Offering sense of privacy and charm, this property features a durable metal roof and a convenient location right off the expressway, perfect for easy commuting. Whether you're looking for your next investment or a home to make your own, this hidden gem offers endless possibilities to create something special.

Key facts

• Private rd
• Easy commuting
• Metal roof

Tags

• METAL ROOF
• PRIVATE RD
• CONVENIENT LOCATION
• EASY COMMUTING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $255 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $108k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.0% vs local median 4.2% in Palmview — 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 57/100 on livability (#1,267 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A; Watch: crime D, schools F, amenities F.
• La Joya ISD (suburban): math 18% / reading 29% proficiency, ranked #759 of 826 in TX (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents flat; 852 active listings in the ZIP; 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $795 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Hidalgo County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 73 days — a 6% lower offer ($108k) is reasonable based on typical stale-listing flexibility.
• 4 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

• Climate carrying-cost: severe wind risk, 94% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $108,100 (6.0% below list)

Questions for the listing agent

1. It's been on market 73 days. Have you received any prior offers? Is the seller open to a 6% 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. 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?
5. 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?
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: 1.16% ✓
• Cap rate: 8.96%
• Cash-on-cash: 9.51%
• DSCR: 1.42
• GRM: 7.2

CMA / ARV

• ARV (median comp): $137,679
• List price: $115,000
• Delta: -16.47%
• Verdict: UNDERPRICED
• Comps: 13 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.93% rent growth · sell at horizon

5-year hold

• IRR: -4.3%
• Equity multiple: 0.84×
• Total profit: $-5,089
• Equity at exit: $17,147

10-year hold

• IRR: 2.8%
• Equity multiple: 1.18×
• Total profit: $5,848
• Equity at exit: $9,943

Cash invested: $32,200 (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 78572

• Home prices YoY: -22.9%
• Rents YoY: 0.9%
• Active inventory: 852
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,338 medium
• Mortgage (P&I): −$603
• Tax from tax record: −$151 /mo · $1,808/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$281
• Net cashflow: $255

Break-even live

Break-even rent $1,015

Max offer price $115,000

Occupancy floor 76%

Sensitivity live

Price	-10% $320	-5% $288	+0% $255	+5% $223	+10% $190
Rent	-10% $149	-5% $202	+0% $255	+5% $308	+10% $361
Rate	-1.0pp $313	-0.5pp $284	base $255	+0.5pp $225	+1.0pp $195

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Listing history 24 events

1. 2026-06-18
   days on market $115,000 Active 73 DOM
2. 2026-06-17
   days on market $115,000 Active 72 DOM
3. 2026-06-16
   days on market $115,000 Active 71 DOM
4. 2026-06-15
   days on market $115,000 Active 70 DOM
5. 2026-06-14
   days on market $115,000 Active 68 DOM
6. 2026-06-13
   days on market $115,000 Active 67 DOM
7. 2026-06-10
   days on market $115,000 Active 65 DOM
8. 2026-06-09
   days on market $115,000 Active 64 DOM
9. 2026-06-08
   days on market $115,000 Active 63 DOM
10. 2026-06-07
    days on market $115,000 Active 62 DOM
11. 2026-06-05
    days on market $115,000 Active 59 DOM
12. 2026-06-03
    days on market $115,000 Active 58 DOM
13. 2026-06-02
    days on market $115,000 Active 57 DOM
14. 2026-06-01
    days on market $115,000 Active 56 DOM
15. 2026-05-31
    days on market $115,000 Active 55 DOM
16. 2026-05-31
    days on market $115,000 Active 54 DOM
17. 2026-04-20
    status Active 413-char remark

    Show marketing remark (413 chars)

    Discover the potential in this Cozy 3 bedroom 1 bath home tucked away in a private Rd in Palmview, Tx! Offering sense of privacy and charm, this property features a durable metal roof and a convenient location right off the expressway, perfect for easy commuting. Whether you're looking for your next investment or a home to make your own, this hidden gem offers endless possibilities to create something special.

18. 2026-04-15
    status Pending 413-char remark

    Show marketing remark (413 chars)

    Discover the potential in this Cozy 3 bedroom 1 bath home tucked away in a private Rd in Palmview, Tx! Offering sense of privacy and charm, this property features a durable metal roof and a convenient location right off the expressway, perfect for easy commuting. Whether you're looking for your next investment or a home to make your own, this hidden gem offers endless possibilities to create something special.

19. 2026-04-14
    historical Option 413-char remark

    Show marketing remark (413 chars)

    Discover the potential in this Cozy 3 bedroom 1 bath home tucked away in a private Rd in Palmview, Tx! Offering sense of privacy and charm, this property features a durable metal roof and a convenient location right off the expressway, perfect for easy commuting. Whether you're looking for your next investment or a home to make your own, this hidden gem offers endless possibilities to create something special.

20. 2026-03-31
    listed $115,000 Active 413-char remark

    Show marketing remark (413 chars)

    Discover the potential in this Cozy 3 bedroom 1 bath home tucked away in a private Rd in Palmview, Tx! Offering sense of privacy and charm, this property features a durable metal roof and a convenient location right off the expressway, perfect for easy commuting. Whether you're looking for your next investment or a home to make your own, this hidden gem offers endless possibilities to create something special.

21. 2026-01-20
    listed $135,000 Active
22. 2025-10-20
    price $135,000
23. 2025-10-06
    listed $150,000 Active
24. 2023-08-18
    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: $1,808 · $151/mo
• Projected year-2 tax: $2,104 · $175/mo
• Expected delta: +$297/yr (+$25/mo · 16.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥112°F today · 21 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 94% 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: $16,053
• − Mortgage interest: −$6,442
• − Property taxes: −$1,808
• − Insurance: −$575
• − Repairs & maintenance: −$1,284
• − Management: −$1,284
• − Depreciation: −$3,345
• Taxable income: $1,314
• Est. tax owed @ 24.0%: −$315
• After-tax cash flow: $2,747/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: La Joya ISD
• NCES district ID: 4826130
• Math proficiency: 18% ▼ -35.00%
• Reading proficiency: 29% ▼ -10.00%
• Median HH income: $27,845
• Composite: 18.65/100
• National rank: #8891
• State rank: #759 of 826 in TX

Livability — Palmview

• Score: 57/100
• State rank: #1267
• US rank: #22043

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Palmview, TX
• County: Hidalgo County · 623,128 people
• Metro: McAllen-Edinburg-Mission, TX
• Population (ZIP): 78,024
• Household income: $54,298
• Rent vs Own: 29.0% rent · 71.0% own
• Severe rent burden: 1714.0

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 (85%)
• Race & ethnicity: Hispanic / Latino 85% Two or more races 47% White 12% Asian 2%
• Hispanic origin (detail): Mexican 80%
• Common ancestry: Slovak 1% Portuguese 0%
• Foreign-born: 28% · Canada, South Korea
• Languages at home: 22% English-only · Spanish 76%

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: ▼ -62.35%
• Current HPI: 209.3573
• Rent YoY: ▲ 0.93%
• 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

-23.3% since first listed

8 events — show timeline

• 2026-04-20 Relisted — MCALLENMLS
• 2026-04-15 Pending — MCALLENMLS
• 2026-04-14 Contingent — MCALLENMLS
• 2026-03-31 Listed $115,000 MCALLENMLS
• 2026-01-20 Listed $135,000 MCALLENMLS
• 2025-10-20 Price Changed $135,000 MCALLENMLS
• 2025-10-06 Listed $150,000 MCALLENMLS
• 2023-08-18 Sold (Public Records) — Public Records

Property tax history

+11.7%/yr

Latest (2025): $1,808 · +18.4% YoY. Source: county tax records.