1003 S 4th St · Temple, TX 76504

$92,500

3 bd · 2.0 ba · 1,242 sqft · SingleFamily public records · 45 Days on market

Built 2000 6,499 sqft lot $74/sqft · 37% below area Est $147k · 37% under ↓ 7% 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 +25.5/30.0
• ARV discount +15.0/15.0
• 1% rule +9.4/10.0
• DSCR +8.4/10.0
• 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

Investor-friendly 3-bedroom, 2-bath home in Temple offered as-is. This property features a functional floor plan, brick veneer exterior, composition shingle roof, vinyl-framed windows, kitchen cabinetry, and two full baths. PROPERTY BEING SOLD AS-IS. Located less than one mile from Tarrant Lake Park and convenient to nearby schools, shopping, dining, and major roadways. Buyer and buyer’s agent to verify all property information, measurements, utilities, condition, schools, restrictions, and intended use.

Key facts

• Kitchen cabinetry
• Vinyl framed windows
• 6,499 sq ft lot

Tags

• BRICK VENEER EXTERIOR
• COMPOSITION SHINGLE ROOF
• VINYL FRAMED WINDOWS
• KITCHEN CABINETRY

Property features AI

Exterior

• Parking: Driveway parking for 1 vehicle
• Utilities: Electricity available; Public sewer available; Public water available
• Home design: Single-story home
• Construction: Brick veneer exterior; Composition roof; Slab foundation; Year built from public records
• Exterior features: No notable exterior features listed; South-facing

Interior

• Kitchen: Laundry located in the kitchen
• Bedrooms: One main-level bedroom
• Flooring: Carpet; Vinyl
• Bathrooms: Two full bathrooms
• Heating & cooling: Central air conditioning; Heating details — see remarks
• Interior features: Vinyl window frames; Accessibility features — see remarks; Additional interior details — see remarks
• Laundry & utility: Washer/dryer space in kitchen area

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $92k.

Deal economics

• At list price, monthly cash flow is $216 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $92k).
• Recommended offer: $90k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.1% 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; 277 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 30% 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 $640 of loan paydown is wiped out by about $3k 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

• It's been on market 45 days — a 3% lower offer ($90k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $6k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 4.1% of price.
• Climate carrying-cost: major wind risk, 70% 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 $89,725 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 1.44% ✓
• Cap rate: 9.09%
• Cash-on-cash: 10.00%
• DSCR: 1.44
• GRM: 5.8

CMA / ARV

• ARV (median comp): $147,381
• List price: $92,500
• Delta: -37.24%
• 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
703 E Avenue North	0.39mi	3/2.0	1,248 (+0%)	1mo	$157,500	$126	80
914 S 2nd St	0.10mi	3/2.0	1,081 (-13%)	1mo	$165,000	$153	73
1014 S 3rd St	0.27mi	4/2.0 (+1)	1,199 (-4%)	5mo	$78,999	$66	72
1418 S 3rd St	0.39mi	2/1.0 (-1)	1,272 (+2%)	4mo	$164,000	$129	65
1202 S 2nd St	0.14mi	3/1.0	1,400 (+13%)	6mo	$139,900	$100	64
908 S 22nd St	0.60mi	3/2.0	1,318 (+6%)	6mo	$163,000	$124	56
1306 S 10th St	0.28mi	3/2.0	1,410 (+14%)	13mo	$199,900	$142	54
710 Dunbar Rd	0.35mi	3/1.0	1,112 (-10%)	11mo	$149,999	$135	53
815 S 24th St	0.74mi	3/2.0	1,248 (+0%)	16mo	$179,000	$143	51
1202 S 7th St	0.41mi	2/1.0 (-1)	1,064 (-14%)	4mo	$139,000	$131	45
904 S 17th St	0.70mi	3/1.0	1,324 (+7%)	10mo	$175,000	$132	44
902 S 24th St	0.72mi	4/2.0 (+1)	1,425 (+15%)	1mo	$184,999	$130	36

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: -4.9%
• Equity multiple: 0.82×
• Total profit: $-4,590
• Equity at exit: $13,792

10-year hold

• IRR: 0.5%
• Equity multiple: 1.03×
• Total profit: $715
• Equity at exit: $7,998

Cash invested: $25,900 (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: 277
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,332 high
• Mortgage (P&I): −$485
• Tax from tax record: −$313 /mo · $3,757/yr
• Insurance: −$39
• HOA: −$0
• Vacancy / Maint / Mgmt: −$280
• Net cashflow: $216

Break-even live

Break-even rent $1,059

Max offer price $92,500

Occupancy floor 79%

Sensitivity live

Price	-10% $268	-5% $242	+0% $216	+5% $190	+10% $163
Rent	-10% $111	-5% $163	+0% $216	+5% $268	+10% $321
Rate	-1.0pp $262	-0.5pp $239	base $216	+0.5pp $192	+1.0pp $167

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: $23,125
• Closing costs: $2,775
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1002 S 2nd St Temple, TX	3.0	1.0	1064	$1,325	$1.25	22d	1	0.08mi
814 S Martin Luther King Blvd Temple, TX	3.0	2.0	1035	$1,100	$1.06	14d	1	0.15mi
1020 S 12th St Unit 12th St unit 1020 A Temple, TX	3.0	2.5	1355	$1,475	$1.09	44d	1	0.23mi
1101 S 3rd St Temple, TX	3.0	1.0	1404	$1,200	$0.85	24d	1	0.24mi
1219 S 10th St Temple, TX	3.0	1.0	1080	$1,050	$0.97	44d	1	0.29mi
1214 S 12th St Unit 12th St unit 1214 A Temple, TX	3.0	2.5	1355	$1,475	$1.09	44d	1	0.31mi
1407 Martin Luther King Junior Ln Unit A Temple, TX	3.0	2.5	1300	$1,700	$1.31	44d	1	0.33mi
603 East Avenue M Unit B Temple, TX	3.0	1.0	900	$945	$1.05	44d	1	0.35mi
1407 S 5th St Temple, TX	3.0	2.5	1300	$1,465	$1.13	14d	1	0.40mi
1117 S 9th St Unit B Temple, TX	3.0	1.0	900	$850	$0.94	24d	1	0.42mi
703 S 16th St Temple, TX	3.0	2.0	1090	$1,035	$0.95	14d	1	0.46mi
708 Henderson St Temple, TX	3.0	2.0	1090	$1,025	$0.94	14d	1	0.48mi
1518 S 7th St Temple, TX	2.0	1.0	965	$1,100	$1.14	24d	1	0.53mi
509 S 16th St Temple, TX	3.0	2.0	1090	$1,065	$0.98	14d	1	0.54mi
903 S 18th St Temple, TX	3.0	2.0	1144	$1,295	$1.13	14d	1	0.54mi
505 S 16th St Temple, TX	3.0	2.0	1090	$1,070	$0.98	14d	1	0.54mi
518 S Knob St Unit B Temple, TX	3.0	2.0	1090	$1,015	$0.93	14d	1	0.56mi
503 Henderson St Temple, TX	3.0	2.0	1090	$1,015	$0.93	14d	1	0.58mi
501 Henderson St Temple, TX	4.0	2.0	1223	$1,050	$0.86	14d	1	0.59mi
1511 S 11th St Temple, TX	2.0	1.0	735	$1,095	$1.49	14d	1	0.59mi
1615 S 11th St Temple, TX	2.0	1.0	1076	$1,995	$1.85	14d	1	0.64mi
1205 S 17th St Temple, TX	2.0	1.0	840	$625	$0.74	24d	1	0.67mi
1001 S Terrace St Temple, TX	3.0	2.0	1090	$1,015	$0.93	14d	1	0.70mi
15 S 10th St Temple, TX	3.0	1.0	916	$950	$1.04	44d	1	0.70mi
701 East Avenue A Unit A Temple, TX	3.0	2.0	1090	$1,349	$1.24	14d	1	0.72mi
1115 S #B S Terrace ST Unit Terrace St unit 1115 B Temple, TX	3.0	2.5	1355	$1,435	$1.06	44d	1	0.72mi
820 S 24th St Unit B Temple, TX	3.0	2.5	1300	$1,435	$1.10	14d	1	0.73mi
805 S 24th St Temple, TX	3.0	2.0	1233	$1,245	$1.01	44d	1	0.76mi
1809 S 13th St Temple, TX	3.0	1.5	1172	$1,350	$1.15	44d	1	0.76mi
209 S 18th St Temple, TX	3.0	2.5	1250	$1,400	$1.12	44d	1	0.78mi
209 S 18th St Unit A Temple, TX	3.0	2.0	1250	$1,550	$1.24	24d	1	0.78mi
209 S 18th St Unit A Temple, TX	3.0	2.0	1250	$1,550	$1.24	14d	1	0.78mi
2007 S 9th St Temple, TX	3.0	2.0	1484	$1,398	$0.94	14d	1	0.79mi
613 S 24th St Temple, TX	3.0	2.0	1028	$1,290	$1.25	24d	1	0.80mi
1305 S 21st St Temple, TX	2.0	1.0	900	$1,150	$1.28	44d	1	0.80mi
1218 S 26th St Unit A Temple, TX	3.0	1.0	900	$850	$0.94	24d	1	0.81mi
612 S 26th St Temple, TX	3.0	2.0	1237	$1,195	$0.97	44d	1	0.81mi
2110 S 5th St Unit B Temple, TX	3.0	2.0	1194	$1,195	$1.00	44d	1	0.83mi
602 S 26th St Temple, TX	3.0	1.0	768	$1,200	$1.56	24d	1	0.83mi
708 S 28th St Unit 28th St unit 708 A Temple, TX	3.0	2.5	1355	$1,435	$1.06	44d	1	0.84mi

Listing history 22 events

1. 2026-06-18
   days on market $92,500 Active 45 DOM
2. 2026-06-17
   days on market $92,500 Active 44 DOM
3. 2026-06-16
   days on market $92,500 Active 43 DOM
4. 2026-06-15
   days on market $92,500 Active 42 DOM
5. 2026-06-14
   days on market $92,500 Active 40 DOM
6. 2026-06-10
   days on market $92,500 Active 37 DOM
7. 2026-06-09
   days on market $92,500 Active 36 DOM
8. 2026-06-08
   days on market $92,500 Active 35 DOM
9. 2026-06-07
   days on market $92,500 Active 34 DOM
10. 2026-06-03
    pricestatusdays on market $92,500 Active 30 DOM
11. 2026-06-02
    days on market $99,000 Active Under Contract 29 DOM
12. 2026-06-01
    days on market $99,000 Active Under Contract 28 DOM
13. 2026-05-31
    days on market $99,000 Active Under Contract 27 DOM
14. 2026-05-30
    statusdays on market $99,000 Active Under Contract 26 DOM
15. 2026-05-04
    listed $99,000 Active 515-char remark
16. 2025-11-05
    soldstatus
17. 2025-07-18
    soldstatus
18. 2025-07-18
    soldstatus
19. 2025-07-18
    soldstatus
20. 2025-06-27
    soldstatus
21. 2025-06-27
    soldstatus
22. 1984-07-13
    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: $3,757 · $313/mo
• Projected year-2 tax: $3,757 · $313/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 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 70% 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: $15,987
• − Mortgage interest: −$5,181
• − Property taxes: −$3,757
• − Insurance: −$462
• − Repairs & maintenance: −$1,279
• − Management: −$1,279
• − Depreciation: −$2,691
• Taxable income: $1,337
• Est. tax owed @ 24.0%: −$321
• After-tax cash flow: $2,268/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

-6.6% since first listed

13 events — show timeline

• 2026-06-03 Relisted — Unlock MLS
• 2026-06-03 Price Changed $92,500 Unlock MLS
• 2026-05-29 Contingent — Unlock MLS
• 2026-05-20 Relisted — Unlock MLS
• 2026-05-20 Contingent — Unlock MLS
• 2026-05-04 Listed $99,000 Unlock MLS
• 2025-11-05 Sold (Public Records) — Public Records
• 2025-07-18 Sold (Public Records) — Public Records
• 2025-07-18 Sold (Public Records) — Public Records
• 2025-07-18 Sold (Public Records) — Public Records
• 2025-06-27 Sold (Public Records) — Public Records
• 2025-06-27 Sold (Public Records) — Public Records
• 1984-07-13 Sold (Public Records) — Public Records

Property tax history

+7.7%/yr

Latest (2026): $3,757 · -0.2% YoY. Source: county tax records.