4863 Castle Shield · San Antonio, TX 78218

$170,000

3 bd · 1.0 ba · 1,472 sqft · SingleFamily public records · 26 Days on market

Built 1969 9,539 sqft lot $115/sqft · 15% below area Est $199k · 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 +11.2/30.0
• 1% rule +4.4/10.0
• Livability +4.0/5.0
• DSCR +3.3/10.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Rent growth +1.1/5.0
• Appreciation +0.0/10.0

Listing remarks

Seller is open to seller financing. Welcome to this beautifully renovated, move-in ready home featuring brand-new kitchen cabinets, quartz countertops, fresh interior paint, and an open layout designed for comfortable living and entertaining. Enjoy a spacious family room and a large backyard with plenty of space for entertaining. Conveniently located near major highways, schools, shopping, and dining.

Key facts

• Quartz countertops
• Renovated home
• Large backyard

Tags

• RENOVATED HOME
• NEW KITCHEN CABINETS
• QUARTZ COUNTERTOPS
• SPACIOUS FAMILY ROOM
• LARGE BACKYARD
• OPEN LAYOUT

Property features AI

Finance

• Other: Possession at closing/funding; For sale
• Financial info: Down payment assistance not indicated
• HOA & community: Community subdivision: EAST VILLAGE JD/NE

Exterior

• Parking: Parking details not provided
• Security: Smoke alarm
• Utilities: City water; City sewer
• Home design: Pre-owned property; Single-family residence; Entry level: lower/main living with bedrooms downstairs
• Construction: Approximately 57 years old; Siding exterior; Composition roof; Slab foundation
• Exterior features: Recent rehab; Subdivision: EAST VILLAGE JD/NE

Interior

• Kitchen: Stove/Range; Refrigerator; Dishwasher; Kitchen approximately 16 x 8
• Bedrooms: Master bedroom (lower level) — 13 x 11; Bedroom 2 — 11 x 10; Bedroom 3 — 11 x 10; All bedrooms downstairs
• Flooring: Carpeting; Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heat; 3+ heating units; 3+ window A/C units
• Interior features: Ceiling fans; Open floor plan; 2 living areas; Utility room inside; Some window coverings remain; Smoke alarm; Gas water heater; City garbage service
• Laundry & utility: Washer connection; Dryer connection; Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $-64 ($-774/yr) — negative.
• To cash-flow at today's rent, offer at most $159k (6.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $160k (5.8% below list).
• Recommended offer: $159k (6.7% below list) — sets the bar for cash-flow.
• Cap rate 5.8% vs local median 3.8% in San Antonio — 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 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F.
• Judson ISD (suburban): math 21% / reading 33% proficiency, ranked #660 of 826 in TX (top 80%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Park Village El (math 8% / reading 22%, grade F, #4,021 of 4,322 statewide, top 94%, 441 students, 88% FRL); Kirby Middle (math 11% / reading 23%, grade F, #1,520 of 1,662 statewide, top 92%, 683 students, 94% FRL); Karen Wagner H S (math 12% / reading 29%, grade F, #1,389 of 1,632 statewide, top 86%, 2,366 students, 80% FRL) — zoned schools average 88% FRL vs 57% district-wide (31 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents falling (-5.6%/yr); 135 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 34% of the median local income ($57k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($167k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask is 12043% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.
• Climate carrying-cost: severe wind risk, 80% 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 $158,609 (6.7% 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. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is F 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. 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?
7. 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.
8. 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.
9. 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: 0.94% ✗
• Cap rate: 5.84%
• Cash-on-cash: -1.63%
• DSCR: 0.93
• GRM: 8.9

CMA / ARV

• ARV (median comp): $199,092
• List price: $170,000
• Delta: -14.61%
• 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
5623 Midcrown	0.07mi	3/2.0	1,393 (-5%)	7mo	$270,000	$194	78
7231 Lavaca Blf	0.35mi	3/2.0	1,450 (-2%)	0mo	$215,000	$148	76
7223 Rosada Way	0.38mi	3/2.0	1,450 (-2%)	1mo	$224,000	$154	75
5622 Raven	0.46mi	3/2.0	1,450 (-2%)	6mo	$245,000	$169	67
5643 Lovett Oaks	0.61mi	3/2.0	1,518 (+3%)	4mo	$175,000	$115	59
5011 Village Lawn	0.63mi	3/2.0	1,560 (+6%)	4mo	$179,000	$115	54
7259 Rosada Way	0.43mi	3/2.0	1,276 (-13%)	5mo	$225,000	$176	49
5106 Village Way	0.51mi	3/2.0	1,269 (-14%)	3mo	$194,900	$154	46
5903 Iris Isle	0.59mi	3/2.0	1,651 (+12%)	3mo	$241,000	$146	46
7219 Geranium Path	0.56mi	3/2.5	1,657 (+13%)	2mo	$235,000	$142	45
7223 Geranium Path	0.57mi	3/2.0	1,657 (+13%)	4mo	$235,000	$142	45
7242 Hibiscus	0.70mi	3/2.0	1,688 (+15%)	7mo	$249,000	$148	33

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: -22.8%
• Equity multiple: 0.24×
• Total profit: $-36,226
• Equity at exit: $25,348

10-year hold

• IRR: -29.7%
• Equity multiple: -0.14×
• Total profit: $-54,479
• Equity at exit: $14,698

Cash invested: $47,600 (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 78218

• Home prices YoY: -16.1%
• Rents YoY: -5.6%
• Active inventory: 135
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,601 high
• Mortgage (P&I): −$891
• Tax from tax record: −$367 /mo · $4,400/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$336
• Net cashflow: $-64

Break-even live

Break-even rent $1,682

Max offer price $158,609

Occupancy floor 99%

Sensitivity live

Price	-10% $32	-5% $-16	+0% $-64	+5% $-113	+10% $-161
Rent	-10% $-191	-5% $-128	+0% $-64	+5% $-1	+10% $62
Rate	-1.0pp $21	-0.5pp $-21	base $-64	+0.5pp $-109	+1.0pp $-153

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4863 Castle Shield San Antonio, TX	3.0	1.0	1472	$1,400	$0.95	6d	1	0.04mi
4843 Castle Shield San Antonio, TX	3.0	1.0	1032	$1,350	$1.31	25d	1	0.04mi
4862 Castle Arms San Antonio, TX	3.0	2.0	1350	$1,295	$0.96	45d	1	0.12mi
6422 Hibiscus Fls San Antonio, TX	3.0	2.0	1417	$1,675	$1.18	25d	1	0.18mi
6431 Nolina Pass San Antonio, TX	3.0	2.0	1516	$2,150	$1.42	25d	1	0.26mi
5414 Midcrown Dr Unit 710 San Antonio, TX	2.0	2.0	998	$1,031	$1.03	0d	1	0.26mi
6918 Pumpkin Cv San Antonio, TX	3.0	2.0	1378	$1,695	$1.23	3d	1	0.29mi
7214 Lavaca Blf San Antonio, TX	4.0	2.0	1631	$1,800	$1.10	45d	1	0.33mi
7231 Lavaca Blf San Antonio, TX	3.0	2.0	1450	$1,550	$1.07	9d	1	0.39mi
5100 Eisenhauer Rd Unit 710 San Antonio, TX	2.0	2.0	1088	$1,196	$1.10	0d	1	0.40mi
5130 Village Green San Antonio, TX	3.0	1.0	1620	$1,350	$0.83	18d	1	0.41mi
7238 Rosada Way San Antonio, TX	3.0	2.0	1276	$1,650	$1.29	45d	1	0.43mi
5143 Village Lawn San Antonio, TX	3.0	1.5	1008	$1,450	$1.44	23d	1	0.44mi
5123 Village Glen San Antonio, TX	3.0	1.0	1176	$1,275	$1.08	45d	1	0.44mi
7250 Dwarf Palm San Antonio, TX	3.0	2.0	1467	$1,570	$1.07	45d	1	0.55mi
7350 Rosada Way San Antonio, TX	4.0	2.5	1681	$1,750	$1.04	15d	1	0.58mi
5874 Castle Run San Antonio, TX	4.0	2.0	1273	$1,300	$1.02	16d	1	0.60mi
7527 Spanish Dagger San Antonio, TX	3.0	2.0	1407	$1,700	$1.21	45d	1	0.61mi
7539 Spanish Dagger San Antonio, TX	3.0	2.5	1645	$1,830	$1.11	25d	1	0.62mi
4811 Village Vw San Antonio, TX	3.0	2.0	1288	$1,450	$1.13	9d	1	0.62mi
5811 Camier Cv San Antonio, TX	3.0	2.5	1645	$1,830	$1.11	25d	1	0.64mi
7507 Whispine San Antonio, TX	4.0	2.5	1847	$1,900	$1.03	25d	1	0.66mi
7523 Whispine San Antonio, TX	3.0	2.0	1307	$1,720	$1.32	25d	1	0.67mi
5827 Camier Cv San Antonio, TX	3.0	2.0	1307	$1,650	$1.26	25d	1	0.67mi
5903 Camier Cv San Antonio, TX	3.0	2.0	1307	$1,695	$1.30	6d	1	0.69mi
5907 Camier Cv San Antonio, TX	4.0	2.5	1847	$1,900	$1.03	45d	1	0.70mi
5414 Stoneshire San Antonio, TX	3.0	2.0	1469	$2,000	$1.36	12d	1	0.71mi
5819 Woodhill San Antonio, TX	3.0	2.0	1015	$1,300	$1.28	45d	1	0.71mi
5918 Poesta San Antonio, TX	3.0	2.0	1307	$1,650	$1.26	45d	1	0.72mi
5915 Camier Cv San Antonio, TX	3.0	2.0	1307	$1,720	$1.32	12d	1	0.72mi
7607 Millchase San Antonio, TX	3.0	2.0	1407	$1,700	$1.21	19d	1	0.72mi
7615 Millchase San Antonio, TX	4.0	2.5	1847	$1,900	$1.03	12d	1	0.72mi
6003 Camier Cv San Antonio, TX	3.0	2.0	1307	$1,650	$1.26	19d	1	0.76mi
6023 Camier Cv San Antonio, TX	3.0	2.0	1407	$1,745	$1.24	25d	1	0.80mi
6126 Plumbago Pl San Antonio, TX	3.0	2.0	1436	$1,595	$1.11	45d	1	0.86mi
7238 Azalea Sq San Antonio, TX	3.0	2.5	1547	$1,495	$0.97	0d	1	0.91mi
7238 Azalea Sq San Antonio, TX	3.0	3.0	1547	$1,650	$1.07	45d	1	0.91mi
6026 Cielo Rnch San Antonio, TX	3.0	2.0	1800	$1,800	$1.00	45d	1	0.92mi
5031 Lancelot Dr San Antonio, TX	3.0	2.0	1340	$1,395	$1.04	46d	1	1.00mi
4848 Goldfield San Antonio, TX	2.0	1.0	930	$1,325	$1.42	45d	1	1.02mi

Listing history 12 events

1. 2026-06-09
   days on market $170,000 Active 26 DOM
2. 2026-06-08
   days on market $170,000 Active 25 DOM
3. 2026-06-07
   days on market $170,000 Active 24 DOM
4. 2026-06-04
   days on market $170,000 Active 21 DOM
5. 2026-06-03
   days on market $170,000 Active 20 DOM
6. 2026-06-02
   days on market $170,000 Active 19 DOM
7. 2026-06-01
   days on market $170,000 Active 18 DOM
8. 2026-05-31
   days on market $170,000 Active 17 DOM
9. 2026-05-14
   listed $170,000 New 406-char remark
10. 2026-04-21
    soldstatus
11. 2025-11-08
    historical
12. 2025-05-23
    listed $180,000 New

ⓘ 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: $4,400 · $367/mo
• Projected year-2 tax: $4,400 · $367/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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $19,208
• − Mortgage interest: −$9,523
• − Property taxes: −$4,400
• − Insurance: −$850
• − Repairs & maintenance: −$1,537
• − Management: −$1,537
• − Depreciation: −$4,945
• Taxable loss: −$3,583
• Est. tax savings @ 24.0%: +$860
• After-tax cash flow: $86/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: Judson ISD
• NCES district ID: 4824990
• Math proficiency: 21% ▼ -21.00%
• Reading proficiency: 33% ▼ -7.00%
• Median HH income: $57,542
• Composite: 24.39/100
• National rank: #7689
• State rank: #660 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: San Antonio, TX
• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 39,428
• Household income: $57,285
• Rent vs Own: 51.8% rent · 48.2% own
• Severe rent burden: 2508.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Hispanic / Latino 53% Two or more races 26% White 25% Black 14% Asian 3% Native American 2%
• Hispanic origin (detail): Mexican 41% Puerto Rican 3%
• Common ancestry: Serbian 2% Italian 1% Romanian 1%
• Foreign-born: 18% · Canada, Vietnam, China
• Languages at home: 60% English-only · Spanish 34% Vietnamese 1% Other Asian/Pacific 1%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -52.17%
• Current HPI: 271.2807
• Rent YoY: ▼ -5.56%
• Metro: San Antonio-New Braunfels, 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

-99.2% since first listed

6 events — show timeline

• 2026-06-11 Listing Removed — LERA
• 2026-06-02 Listed for Rent $1,400 SABOR
• 2026-05-14 Listed $170,000 LERA
• 2026-04-21 Sold (Public Records) — Public Records
• 2025-11-08 Listing Removed — LERA
• 2025-05-23 Listed $180,000 LERA

Property tax history

+14.0%/yr

Latest (2025): $4,400 · +1.6% YoY. Source: county tax records.