153 Whispering Winds Dr · Gunter, TX 75058

$425,000

3 bd · 3.5 ba · 2,500 sqft · SingleFamily public records · 122 Days on market

Built 2002 1.00 ac lot $170/sqft · 41% below area Est $716k · 41% under $29/mo HOA

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Why this score? — see what drove the A 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• Schools +4.8/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Seller will assist with closing costs or rate buy down through a preferred lender. This charming home in Gunter, TX, offers a perfect blend of comfort and style with 3 bedrooms, 3 full baths, and 1 half bath. The open floor plan creates a welcoming atmosphere, featuring a spacious kitchen with ample storage, a dining room, and a second living area ideal for entertaining or relaxation. A dedicated office space provides versatility for work or study. The large primary bedroom is a true retreat, complete with a cozy fireplace, adding warmth and elegance to this beautiful home. With plenty of room for both relaxation and productivity, this home is an ideal choice for modern living.

Key facts

• 1 acre lot
• 2 garage spots
• Built 2002

What this means for you Summary

Snapshot

• This is a 3-bed/3.5-bath single-family listed at $425k.

Deal economics

• At list price, monthly cash flow is $2k ($24k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($7k rent vs $425k).
• Recommended offer: $374k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.9% vs local median 1.9% in Gunter — 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 72/100 on livability (#236 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Gunter ISD (rural): math 47% / reading 58% proficiency, ranked #103 of 826 in TX (top 12%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 201 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 2,272 units permitted in Grayson County in 2024 (750 in 5+ unit buildings).

Forward outlook

• In year one you build about $45k of equity ($3k loan paydown + $42k appreciation (10.0% local appreciation)).
• Grayson County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $119k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$73k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 122 days — a 12% lower offer ($374k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 22y ago; this cycle's ask has dropped $50k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.
• Climate carrying-cost: major wind risk, 27% 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 $374,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 122 days. Have you received any prior offers? Is the seller open to a 12% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.60% ✓
• Cap rate: 11.95%
• Cash-on-cash: 20.20%
• DSCR: 1.90
• GRM: 5.2

CMA / ARV

• ARV (median comp): $716,181
• List price: $425,000
• Delta: -40.66%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
154 Whispering Winds Dr	0.05mi	4/2.0 (+1)	2,559 (+2%)	0mo	$395,000	$154	83
115 Beavers Bend Dr	0.08mi	4/3.0 (+1)	2,420 (-3%)	18mo	$535,000	$221	69
300 Waterview Dr	0.19mi	4/3.0 (+1)	2,784 (+11%)	1mo	$700,000	$251	64
145 Knoll Trl	0.50mi	3/2.5	2,623 (+5%)	3mo	$674,999	$257	62
150 Whispering Winds Dr	0.11mi	4/3.0 (+1)	2,635 (+5%)	21mo	$602,500	$229	61
330 Waterview Dr	0.50mi	3/2.0	2,406 (-4%)	23mo	$699,999	$291	45
686 Cypress Point Dr	0.69mi	3/2.5	2,767 (+11%)	1mo	$729,000	$263	45
105 Meadow Ln	0.36mi	4/2.5 (+1)	2,798 (+12%)	12mo	$727,888	$260	44
160 Waterview Dr	0.50mi	4/2.5 (+1)	2,862 (+14%)	2mo	$684,999	$239	42
1389 Mcconnell Rd	0.67mi	3/3.0	2,243 (-10%)	16mo	$1,150,000	$513	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 39.4%
• Equity multiple: 4.02×
• Total profit: $359,411
• Equity at exit: $382,874

10-year hold

• IRR: 34.0%
• Equity multiple: 9.06×
• Total profit: $958,813
• Equity at exit: $825,682

Cash invested: $119,000 (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 75058

• Home prices YoY: 6.4%
• Active inventory: 201
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $6,800 medium
• Mortgage (P&I): −$2,229
• Tax from tax record: −$934 /mo · $11,209/yr
• Insurance: −$177
• HOA: −$29
• Vacancy / Maint / Mgmt: −$1,428
• Net cashflow: $2,003

Break-even live

Break-even rent $4,264

Max offer price $425,000

Occupancy floor 66%

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: $106,250
• Closing costs: $12,750
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
300 Waterview Dr Gunter, TX	4.0	3.0	2784	$6,800	$2.44	15d	1	0.16mi

HOA detail

• Monthly dues: $29 · $348/yr

Listing history 50 events

1. 2026-06-18
   days on market $425,000 Active 122 DOM
2. 2026-06-17
   days on market $425,000 Active 121 DOM
3. 2026-06-16
   days on market $425,000 Active 120 DOM
4. 2026-06-15
   days on market $425,000 Active 119 DOM
5. 2026-06-13
   days on market $425,000 Active 117 DOM
6. 2026-06-09
   days on market $425,000 Active 113 DOM
7. 2026-06-08
   days on market $425,000 Active 112 DOM
8. 2026-06-07
   days on market $425,000 Active 111 DOM
9. 2026-06-04
   days on market $425,000 Active 108 DOM
10. 2026-06-03
    days on market $425,000 Active 107 DOM
11. 2026-06-02
    days on market $425,000 Active 106 DOM
12. 2026-06-02
    remarks 699-char remark
13. 2026-06-01
    days on market $425,000 Active 105 DOM
14. 2026-05-31
    days on market $425,000 Active 104 DOM
15. 2026-04-20
    price $440,000 686-char remark

    Show marketing remark (686 chars)

    Seller will assist with closing costs or rate buy down through a preferred lender. This charming home in Gunter, TX, offers a perfect blend of comfort and style with 3 bedrooms, 3 full baths, and 1 half bath. The open floor plan creates a welcoming atmosphere, featuring a spacious kitchen with ample storage, a dining room, and a second living area ideal for entertaining or relaxation. A dedicated office space provides versatility for work or study. The large primary bedroom is a true retreat, complete with a cozy fireplace, adding warmth and elegance to this beautiful home. With plenty of room for both relaxation and productivity, this home is an ideal choice for modern living.

16. 2026-04-02
    price $450,000 686-char remark

    Show marketing remark (686 chars)

    Seller will assist with closing costs or rate buy down through a preferred lender. This charming home in Gunter, TX, offers a perfect blend of comfort and style with 3 bedrooms, 3 full baths, and 1 half bath. The open floor plan creates a welcoming atmosphere, featuring a spacious kitchen with ample storage, a dining room, and a second living area ideal for entertaining or relaxation. A dedicated office space provides versatility for work or study. The large primary bedroom is a true retreat, complete with a cozy fireplace, adding warmth and elegance to this beautiful home. With plenty of room for both relaxation and productivity, this home is an ideal choice for modern living.

17. 2026-03-03
    price $465,000 686-char remark

    Show marketing remark (686 chars)

    Seller will assist with closing costs or rate buy down through a preferred lender. This charming home in Gunter, TX, offers a perfect blend of comfort and style with 3 bedrooms, 3 full baths, and 1 half bath. The open floor plan creates a welcoming atmosphere, featuring a spacious kitchen with ample storage, a dining room, and a second living area ideal for entertaining or relaxation. A dedicated office space provides versatility for work or study. The large primary bedroom is a true retreat, complete with a cozy fireplace, adding warmth and elegance to this beautiful home. With plenty of room for both relaxation and productivity, this home is an ideal choice for modern living.

18. 2026-02-16
    listed $475,000 Active 686-char remark

    Show marketing remark (686 chars)

    Seller will assist with closing costs or rate buy down through a preferred lender. This charming home in Gunter, TX, offers a perfect blend of comfort and style with 3 bedrooms, 3 full baths, and 1 half bath. The open floor plan creates a welcoming atmosphere, featuring a spacious kitchen with ample storage, a dining room, and a second living area ideal for entertaining or relaxation. A dedicated office space provides versatility for work or study. The large primary bedroom is a true retreat, complete with a cozy fireplace, adding warmth and elegance to this beautiful home. With plenty of room for both relaxation and productivity, this home is an ideal choice for modern living.

19. 2025-10-06
    price $430,000
20. 2025-09-16
    price $440,000
21. 2025-08-31
    price $450,000
22. 2025-07-28
    price $460,000
23. 2025-07-08
    price $470,000
24. 2025-06-19
    price $480,000
25. 2025-05-30
    price $490,000
26. 2025-05-09
    status Active
27. 2025-05-09
    price $500,000
28. 2025-04-28
    historical
29. 2025-03-28
    listed $515,000
30. 2025-03-20
    soldstatus
31. 2013-07-08
    soldstatus
32. 2013-07-03
    soldstatus Closed
33. 2013-06-13
    status Pending
34. 2013-05-31
    historical Active Option Contract
35. 2013-05-09
    listed $210,000 Active
36. 2012-07-17
    historical
37. 2012-06-06
    status Pending
38. 2012-04-05
    price $204,900
39. 2012-01-19
    listed $207,900 Active
40. 2011-06-08
    historical
41. 2011-05-10
    price $198,000
42. 2011-04-15
    status Active
43. 2011-03-07
    historical Active Kick-Out
44. 2011-02-23
    listed $200,000 Active
45. 2011-01-31
    historical
46. 2011-01-20
    price $200,000
47. 2010-11-04
    status Active
48. 2010-10-31
    historical
49. 2010-10-26
    price $210,000
50. 2010-04-12
    listed $219,000 Active

ⓘ 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: $11,209 · $934/mo
• Projected year-2 tax: $11,209 · $934/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 7/10 Severe 7 d/yr ≥110°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $81,600
• − Mortgage interest: −$23,807
• − Property taxes: −$11,209
• − Insurance: −$2,125
• − Repairs & maintenance: −$6,528
• − Management: −$6,528
• − HOA: −$348
• − Depreciation: −$12,364
• Taxable income: $18,692
• Est. tax owed @ 24.0%: −$4,486
• After-tax cash flow: $19,551/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: Gunter ISD
• NCES district ID: 4821960
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 58% ▼ -3.00%
• Median HH income: $79,375
• Composite: 47.63/100
• National rank: #2254
• State rank: #103 of 826 in TX

Livability — Gunter

• Score: 72/100
• State rank: #236
• US rank: #5729

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gunter, TX
• Population (ZIP): 3,614

Population outlook (Grayson County) Hauer SSP2

• Today (2025): 134,540 people
• By 2030: 138,653 · +3.1%
• By 2040: 145,958 · +8.5%
• By 2050: 151,218 · +12.4%
• By 2075: 161,802 · +20.3%
• By 2100: 159,036 · +18.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Hispanic / Latino 21% Two or more races 18% Black 1% Native American 1%
• Hispanic origin (detail): Mexican 20%
• Common ancestry: Italian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 10% · Canada
• Languages at home: 82% English-only · Spanish 18%

Political lean MEDSL · Grayson

• 2024 margin: Solid R (+54.3) · D 22.5% · R 76.7%
• 2008→2024 swing: -16.4pp toward R · 2008: -37.9pp · 2024: -54.3pp
• All cycles: 2024: R+54.3 2020: R+49.9 2016: R+53.1 2012: R+48.0 2008: R+37.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 18.56%
• Current HPI: 309.3751
• Rent YoY: —
• Metro: —
• 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

+78.9% since first listed

44 events — show timeline

• 2026-04-20 Price Changed $440,000 NTREIS
• 2026-04-02 Price Changed $450,000 NTREIS
• 2026-03-03 Price Changed $465,000 NTREIS
• 2026-02-16 Listed $475,000 NTREIS
• 2025-10-06 Price Changed $430,000 NTREIS
• 2025-09-16 Price Changed $440,000 NTREIS
• 2025-08-31 Price Changed $450,000 NTREIS
• 2025-07-28 Price Changed $460,000 NTREIS
• 2025-07-08 Price Changed $470,000 NTREIS
• 2025-06-19 Price Changed $480,000 NTREIS
• 2025-05-30 Price Changed $490,000 NTREIS
• 2025-05-09 Relisted — NTREIS
• 2025-05-09 Price Changed $500,000 NTREIS
• 2025-04-28 Listing Removed — NTREIS
• 2025-03-28 Listed $515,000 NTREIS
• 2025-03-20 Sold (Public Records) — Public Records
• 2013-07-08 Sold (Public Records) — Public Records
• 2013-07-03 Sold (MLS) — NTREIS
• 2013-06-13 Pending — NTREIS
• 2013-05-31 Contingent — NTREIS
• 2013-05-09 Listed $210,000 NTREIS
• 2012-07-17 Listing Removed — NTREIS
• 2012-06-06 Pending — NTREIS
• 2012-04-05 Price Changed $204,900 NTREIS
• 2012-01-19 Listed $207,900 NTREIS
• 2011-06-08 Listing Removed — NTREIS
• 2011-05-10 Price Changed $198,000 NTREIS
• 2011-04-15 Relisted — NTREIS
• 2011-03-07 Contingent — NTREIS
• 2011-02-23 Listed $200,000 NTREIS
• 2011-01-31 Listing Removed — NTREIS
• 2011-01-20 Price Changed $200,000 NTREIS
• 2010-11-04 Relisted — NTREIS
• 2010-10-31 Listing Removed — NTREIS
• 2010-10-26 Price Changed $210,000 NTREIS
• 2010-04-12 Listed $219,000 NTREIS
• 2008-09-30 Sold (MLS) — NTREIS
• 2008-09-11 Listing Removed — NTREIS
• 2008-03-31 Listed $159,900 NTREIS
• 2004-05-12 Sold (Public Records) — Public Records
• 2004-03-25 Sold (Public Records) — Public Records
• 2004-03-25 Sold (Public Records) — Public Records
• 2004-02-27 Listing Removed — NTREIS
• 2004-02-18 Listed $246,000 NTREIS

Property tax history

+5.0%/yr

Latest (2025): $11,209 · +8.2% YoY. Source: county tax records.