7724 Fieldstone Dr · Temple, TX 76502

$204,800

3 bd · 2.0 ba · 1,280 sqft · SingleFamily public records · 41 Days on market

Built 2008 6,690 sqft lot $160/sqft · 15% below area Est $240k · 15% under

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Why this score? — see what drove the D 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).

• ARV discount +14.1/15.0
• Cash flow +8.6/30.0
• Schools +3.8/10.0
• Livability +3.8/5.0
• 1% rule +3.6/10.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Pride of ownership is evident when you first pull up to this adorable 3 bedroom, 2 bath home in West Temple. Well manicured lawn. Close to 2 Belton Schools. Refrigerator conveys with home.

Key facts

• Turn-key investment
• Well-maintained home
• 6,690 sq ft lot

Tags

• TURN-KEY INVESTMENT
• WALKING DISTANCE TO SCHOOLS
• WELL-MAINTAINED HOME
• SMART FUNCTIONAL LAYOUT

Property features AI

Finance

• Financial info: Existing lease through 2026-09-30
• HOA & community: HOA present; Nearby park

Exterior

• Parking: 2-car garage
• Utilities: Public water; Electricity available
• Home design: Single-story home; Resale property; Slab foundation
• Construction: Built (year from assessor); HardiPlank siding; Masonry exterior; Composition shingle roof
• Exterior features: Covered patio; Private yard; Rain gutters; Picket, privacy wood fencing; Covered patio area

Interior

• Kitchen: Dishwasher; Electric cooktop; Range; Microwave; Refrigerator; Garbage disposal; Granite counters; Pantry; Eat-in kitchen / kitchen dining area
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Double vanity in bath; Entrance foyer; Kitchen/dining combo; Kitchen/family room combo; Pull-down attic stairs; Tub with shower; Walk-in closet(s); Eat-in kitchen; Granite counters; Pantry
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $205k.

Deal economics

• At list price, monthly cash flow is $-176 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $174k (15.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $177k (13.6% below list).
• Recommended offer: $174k (15.1% below list) — sets the bar for cash-flow.
• Cap rate 5.3% 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: commute C-, crime D+, employment D+.
• Belton ISD (suburban): math 39% / reading 46% proficiency, ranked #285 of 826 in TX (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Tarver El (math 40% / reading 46%, grade F, #1,283 of 4,322 statewide, top 30%, 798 students, 33% FRL); North Belton Middle (math 39% / reading 42%, grade F, #637 of 1,662 statewide, top 39%, 857 students, 38% FRL); Belton H S (math 39% / reading 46%, grade F, #721 of 1,632 statewide, top 45%, 1,941 students, 46% FRL) — zoned schools at 39% FRL track the district average.
• Market conditions: Rents soft (-0.8%/yr); 1126 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 41 days — a 3% lower offer ($199k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 17y ago 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.
• Current owner paid $125k; list at $205k implies a 64% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 70% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $173,787 (15.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.86% ✗
• Cap rate: 5.26%
• Cash-on-cash: -3.67%
• DSCR: 0.84
• GRM: 9.6

CMA / ARV

• ARV (median comp): $239,821
• List price: $204,800
• Delta: -14.60%
• 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
7822 Bridgepointe Dr	0.07mi	3/2.0	1,355 (+6%)	4mo	$239,000	$176	84
7907 Woodbury Dr	0.07mi	3/2.0	1,364 (+7%)	6mo	$220,500	$162	81
7405 Buffalo Grass Dr	0.26mi	3/2.0	1,361 (+6%)	2mo	$250,000	$184	76
7308 Tobosa Dr	0.55mi	3/2.0	1,278 (-0%)	1mo	$220,000	$172	73
425 Emerald Ridge Dr	0.07mi	4/2.0 (+1)	1,436 (+12%)	2mo	$220,000	$153	70
7812 Smoke Creek Ln	0.35mi	3/2.0	1,364 (+7%)	8mo	$494,000	$362	66
1098 Spring Terrace Loop	0.36mi	3/2.0	1,400 (+9%)	4mo	$245,000	$175	64
8410 Alaska Ave	0.41mi	2/2.0 (-1)	1,381 (+8%)	7mo	$235,000	$170	57
101 Bluestem Ct	0.46mi	3/2.0	1,398 (+9%)	8mo	$229,000	$164	57
8422 Alabama Ave	0.47mi	3/2.5	1,427 (+12%)	1mo	$255,000	$179	56
4713 Fawn Valley Dr	0.57mi	3/2.0	1,418 (+11%)	2mo	$255,000	$180	54
7325 Bluegrass Ct	0.70mi	3/2.0	1,366 (+7%)	6mo	$219,000	$160	51

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -26.2%
• Equity multiple: 0.14×
• Total profit: $-49,429
• Equity at exit: $30,536

10-year hold

• IRR: -40.0%
• Equity multiple: -0.34×
• Total profit: $-76,976
• Equity at exit: $17,707

Cash invested: $57,344 (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 76502

• Rents YoY: -0.8%
• Active inventory: 1126
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,769 high
• Mortgage (P&I): −$1,074
• Tax from tax record: −$414 /mo · $4,968/yr
• Insurance: −$85
• HOA: −$0
• Vacancy / Maint / Mgmt: −$372
• Net cashflow: $-176

Break-even live

Break-even rent $1,992

Max offer price $173,787

Occupancy floor —

Sensitivity live

Price	-10% $-60	-5% $-118	+0% $-176	+5% $-234	+10% $-291
Rent	-10% $-315	-5% $-245	+0% $-176	+5% $-106	+10% $-36
Rate	-1.0pp $-72	-0.5pp $-123	base $-176	+0.5pp $-229	+1.0pp $-283

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: $51,200
• Closing costs: $6,144
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8012 Bridgepointe Dr Temple, TX	3.0	2.0	1307	$1,595	$1.22	15d	1	0.14mi
724 Westfield Blvd Temple, TX	2.0	2.5	1403	$1,675	$1.19	25d	1	0.16mi
7523 Buffalo Grass Dr Temple, TX	3.0	2.0	1587	$1,795	$1.13	25d	1	0.17mi
740 Westfield Blvd Temple, TX	2.0	2.5	1403	$1,675	$1.19	45d	1	0.18mi
748 Westfield Blvd Temple, TX	3.0	2.5	1386	$1,695	$1.22	45d	1	0.19mi
463 Westfield Blvd Temple, TX	1.0–3.0	1.0–2.0	989	$1,627	$1.65	15d	18	0.19mi
531 Parkfield Ln Temple, TX	3.0	2.0	1287	$1,700	$1.32	45d	1	0.20mi
8015 Pineridge Way Temple, TX	4.0	2.0	1700	$1,850	$1.09	45d	1	0.22mi
513 Fallbrook Dr Temple, TX	3.0	2.0	1443	$1,850	$1.28	25d	1	0.24mi
8012 Redbrush Temple, TX	3.0	2.0	1300	$1,595	$1.23	15d	1	0.25mi
8112 Pineridge Way Temple, TX	3.0	2.0	1580	$1,895	$1.20	45d	1	0.27mi
8025 Redbrush Temple, TX	3.0	2.0	1382	$1,595	$1.15	15d	1	0.30mi
619 Hollyhock Dr Temple, TX	3.0	2.0	1443	$1,800	$1.25	15d	1	0.33mi
8118 Timber Hollow Ln Temple, TX	3.0	2.0	1596	$1,795	$1.12	25d	1	0.33mi
7305 Buffalo Grass Dr Temple, TX	3.0	2.0	1329	$1,650	$1.24	45d	1	0.33mi
1245 Spring Terrace Loop Temple, TX	3.0	2.0	1306	$1,695	$1.30	45d	1	0.37mi
917 Hollyhock Dr Temple, TX	4.0	2.0	1600	$1,900	$1.19	15d	1	0.43mi
8419 Brahma Plains Rd Temple, TX	3.0	2.0	1489	$1,800	$1.21	45d	1	0.44mi
1117 Lakeway Crossing Dr Temple, TX	3.0	2.0	1418	$1,675	$1.18	45d	1	0.51mi
7325 Klein Dr Temple, TX	3.0	2.0	1411	$1,495	$1.06	45d	1	0.53mi
8612 Cantera Ridge Rd Temple, TX	4.0	2.0	1800	$1,895	$1.05	25d	1	0.55mi
217 Meadowbrook Dr Temple, TX	3.0	2.0	1320	$1,595	$1.21	15d	1	0.65mi
301 Meadowbrook Dr Temple, TX	3.0	2.0	1320	$1,250	$0.95	46d	1	0.65mi
516 Mercado St Temple, TX	3.0	2.5	1467	$1,670	$1.14	45d	1	0.67mi
1309 Juneberry Park Dr Temple, TX	3.0	2.0	1565	$1,695	$1.08	15d	1	0.75mi
620 Copper Ridge Loop Temple, TX	4.0	2.0	1712	$2,195	$1.28	45d	1	0.82mi
1111 Porterhouse Rd Temple, TX	3.0	2.0	1507	$1,695	$1.12	45d	1	0.82mi
619 Meiomi Dr Temple, TX	4.0	2.5	1538	$1,695	$1.10	45d	1	0.83mi
707 Meiomi Dr Temple, TX	3.0	2.5	1387	$1,495	$1.08	45d	1	0.83mi
617 Meiomi Dr Temple, TX	3.0	2.5	1387	$1,695	$1.22	45d	1	0.83mi
709 Meiomi Dr Temple, TX	4.0	2.5	1538	$1,695	$1.10	45d	1	0.83mi
7108B Cameron Park Rd Temple, TX	3.0	2.0	1350	$1,395	$1.03	25d	1	0.85mi
719 Meiomi Dr Temple, TX	4.0	2.5	1585	$1,995	$1.26	45d	1	0.85mi
716 Copper Ridge Loop Temple, TX	4.0	2.0	1712	$2,100	$1.23	25d	1	0.86mi
729 Meiomi Dr Temple, TX	3.0	2.5	1387	$1,695	$1.22	45d	1	0.87mi
1012 Ribeye Rd Temple, TX	4.0	2.0	1612	$1,850	$1.15	45d	1	0.89mi
739 Meiomi Dr Temple, TX	3.0	2.5	1387	$1,495	$1.08	45d	1	0.89mi
742 Meiomi Dr Temple, TX	4.0	2.5	1538	$1,695	$1.10	45d	1	0.91mi
746 Meiomi Dr Temple, TX	3.0	2.5	1387	$1,695	$1.22	45d	1	0.91mi
6611 Abode Ave Temple, TX	1.0–3.0	1.0–2.0	983	$1,920	$1.95	15d	34	0.92mi

Listing history 15 events

1. 2026-06-05
   days on market $204,800 Active 41 DOM
2. 2026-06-03
   days on market $204,800 Active 40 DOM
3. 2026-06-02
   pricedays on market $204,800 Active 39 DOM
4. 2026-06-01
   days on market $204,900 Active 38 DOM
5. 2026-05-31
   days on market $204,900 Active 37 DOM
6. 2026-05-30
   days on market $204,900 Active 36 DOM
7. 2026-05-14
   price $209,900 591-char remark
8. 2026-04-24
   listed $214,900 Active 591-char remark
9. 2019-08-07
   soldstatus
10. 2015-07-30
    soldstatus
11. 2015-07-29
    soldstatus $125,000 188-char remark

    Show marketing remark (188 chars)

    Pride of ownership is evident when you first pull up to this adorable 3 bedroom, 2 bath home in West Temple. Well manicured lawn. Close to 2 Belton Schools. Refrigerator conveys with home.

12. 2015-06-11
    listed $127,000 188-char remark

    Show marketing remark (188 chars)

    Pride of ownership is evident when you first pull up to this adorable 3 bedroom, 2 bath home in West Temple. Well manicured lawn. Close to 2 Belton Schools. Refrigerator conveys with home.

13. 2009-06-16
    historical
14. 2009-04-29
    listed $127,250
15. 2008-10-06
    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: $4,968 · $414/mo
• Projected year-2 tax: $4,968 · $414/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 · 25 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 70% 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: $21,232
• − Mortgage interest: −$11,472
• − Property taxes: −$4,968
• − Insurance: −$1,024
• − Repairs & maintenance: −$1,699
• − Management: −$1,699
• − Depreciation: −$5,958
• Taxable loss: −$5,587
• Est. tax savings @ 24.0%: +$1,341
• After-tax cash flow: $-766/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: Belton ISD
• NCES district ID: 4809860
• Math proficiency: 39% ▼ -14.00%
• Reading proficiency: 46% ▼ -4.00%
• Median HH income: $61,239
• Composite: 37.62/100
• National rank: #4378
• State rank: #285 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): 52,669
• Household income: $82,088
• Rent vs Own: 35.9% rent · 64.1% own
• Severe rent burden: 1890.0

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 0.59)
• Race & ethnicity: White 58% Hispanic / Latino 26% Two or more races 15% Black 9% Asian 3%
• Hispanic origin (detail): Mexican 21% Puerto Rican 2%
• Common ancestry: Italian 2% Slovak 2% Serbian 1%
• Foreign-born: 7% · Canada, South Korea, China
• Languages at home: 86% English-only · Spanish 10% Other Indo-European 1% Korean 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: ▼ -216.80%
• Current HPI: 166.927
• Rent YoY: ▼ -0.79%
• 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

+60.9% since first listed

12 events — show timeline

• 2026-06-05 Listing Removed — CTXMLS
• 2026-06-01 Price Changed $204,800 CTXMLS
• 2026-05-22 Price Changed $204,900 CTXMLS
• 2026-05-14 Price Changed $209,900 CTXMLS
• 2026-04-24 Listed $214,900 CTXMLS
• 2019-08-07 Sold (Public Records) — Public Records
• 2015-07-30 Sold (Public Records) — Public Records
• 2015-07-29 Sold (MLS) $125,000 CTXMLS
• 2015-06-11 Listed $127,000 CTXMLS
• 2009-06-16 Listing Removed — CTXMLS
• 2009-04-29 Listed $127,250 CTXMLS
• 2008-10-06 Sold (Public Records) — Public Records

Property tax history

+3.4%/yr

Latest (2026): $4,968 · +0.0% YoY. Source: county tax records.