2125 Tucker Rd · Harlingen, TX 78552

$115,000

3 bd · 2.0 ba · 1,178 sqft · SingleFamily public records · 9 Days on market

Built 1950 0.60 ac lot $98/sqft · 47% below area Est $216k · 47% under

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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 +26.1/30.0
• ARV discount +15.0/15.0
• DSCR +8.8/10.0
• 1% rule +7.0/10.0
• Livability +3.7/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Rent growth +2.0/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Sitting on a spacious .60-acre lot, this property offers endless possibilities! Located in a great area, it’s perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don’t miss out on this opportunity to create the home you’ve always imagined. Schedule your showing today!

Key facts

• Spacious lot
• Room to expand
• 0.6 acre lot

Tags

• SPACIOUS LOT
• ROOM TO EXPAND

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $291 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Cap rate 9.3% vs local median 3.8% in Harlingen — 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 73/100 on livability (#217 in TX) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: crime C-, schools D+, commute F.
• Harlingen CISD (urban): math 25% / reading 35% proficiency, ranked #647 of 826 in TX (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-1.9%/yr); 534 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 2,326 units permitted in Cameron County in 2024 (503 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.
• Cameron County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 9y 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.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $115,000

Questions for the listing agent

1. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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.
5. 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.
6. 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: 1.20% ✓
• Cap rate: 9.33%
• Cash-on-cash: 10.85%
• DSCR: 1.48
• GRM: 6.9

CMA / ARV

• ARV (median comp): $215,824
• List price: $115,000
• Delta: -46.72%
• Verdict: UNDERPRICED
• Comps: 12 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2125 Tucker Rd	0.00mi	3/2.0	1,178 (0%)	0mo	$115,000	$98	100
2605 Haverford Blvd	0.06mi	3/2.0	1,341 (+14%)	5mo	$253,000	$189	70
2101 W Ann Arbor St	0.57mi	3/2.0	1,219 (+4%)	6mo	$205,000	$168	62
3405 Penelope Dr	0.66mi	3/2.0	1,298 (+10%)	12mo	$239,999	$185	42
3410 Penelope Dr	0.68mi	3/2.5	1,298 (+10%)	10mo	$239,999	$185	41
3414 Penelope Dr	0.69mi	3/2.5	1,298 (+10%)	10mo	$239,900	$185	40
3401 Penelope Dr	0.65mi	3/2.0	1,313 (+12%)	13mo	$243,000	$185	40

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: -3.5%
• Equity multiple: 0.87×
• Total profit: $-4,106
• Equity at exit: $17,147

10-year hold

• IRR: 2.4%
• Equity multiple: 1.15×
• Total profit: $4,778
• 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 78552

• Home prices YoY: -13.8%
• Rents YoY: -1.9%
• Active inventory: 534
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,380 medium
• Mortgage (P&I): −$603
• Tax from tax record: −$148 /mo · $1,771/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $291

Break-even live

Break-even rent $1,011

Max offer price $115,000

Occupancy floor 74%

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: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
902 S Palm Court Dr Harlingen, TX	1.0–3.0	1.0–2.0	873	$1,455	$1.67	13d	18	0.69mi
1119 W Garfield St Harlingen, TX	3.0	2.0	1401	$1,300	$0.93	21d	1	1.23mi
1005 W Garfield St Apt C2 Harlingen, TX	2.0	2.0	1120	$995	$0.89	21d	1	1.33mi

Listing history 25 events

1. 2026-05-15
   status Pending 433-char remark

   Show marketing remark (433 chars)

   Sitting on a spacious .60-acre lot, this property offers endless possibilities! Located in a great area, it’s perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don’t miss out on this opportunity to create the home you’ve always imagined. Schedule your showing today!

2. 2026-05-14
   status Pending 417-char remark

   Show marketing remark (417 chars)

   Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

3. 2026-05-05
   historical Option 433-char remark

   Show marketing remark (433 chars)

   Sitting on a spacious .60-acre lot, this property offers endless possibilities! Located in a great area, it’s perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don’t miss out on this opportunity to create the home you’ve always imagined. Schedule your showing today!

4. 2026-05-05
   status Active 417-char remark

   Show marketing remark (433 chars)

   Sitting on a spacious .60-acre lot, this property offers endless possibilities! Located in a great area, it’s perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don’t miss out on this opportunity to create the home you’ve always imagined. Schedule your showing today!

5. 2026-05-05
   historical 417-char remark

   Show marketing remark (433 chars)

   Sitting on a spacious .60-acre lot, this property offers endless possibilities! Located in a great area, it’s perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don’t miss out on this opportunity to create the home you’ve always imagined. Schedule your showing today!

6. 2026-05-05
   listed $115,000 Active 433-char remark

   Show marketing remark (433 chars)

   Sitting on a spacious .60-acre lot, this property offers endless possibilities! Located in a great area, it’s perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don’t miss out on this opportunity to create the home you’ve always imagined. Schedule your showing today!

7. 2026-04-19
   status Active 417-char remark

   Show marketing remark (417 chars)

   Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

8. 2026-04-19
   status Active

   Show marketing remark (417 chars)

   Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

9. 2026-02-06
   status Pending
10. 2026-02-05
    status Pending 417-char remark

    Show marketing remark (417 chars)

    Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

11. 2026-01-27
    historical Option
12. 2026-01-22
    status Active
13. 2026-01-21
    price $115,000

    Show marketing remark (417 chars)

    Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

14. 2026-01-21
    status Active 417-char remark

    Show marketing remark (417 chars)

    Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

15. 2026-01-21
    price $115,000 417-char remark

    Show marketing remark (417 chars)

    Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

16. 2026-01-14
    historical Option
17. 2025-12-05
    price $132,500 417-char remark

    Show marketing remark (417 chars)

    Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

18. 2025-12-05
    price $132,500

    Show marketing remark (417 chars)

    Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

19. 2025-11-04
    listed $139,900 Active 417-char remark

    Show marketing remark (417 chars)

    Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

20. 2025-11-04
    listed $139,900 Active

    Show marketing remark (417 chars)

    Sitting on a spacious . 60-acre lot, this property offers endless possibilities! Located in a great area, it's perfect for those looking to remodel or design their ideal living space. With plenty of room to expand, this home is being sold as is — ready for the right buyer to bring their vision to life. Don't miss out on this opportunity to create the home you've always imagined. Schedule your showing today!

21. 2019-04-03
    soldstatus
22. 2019-04-02
    soldstatus
23. 2017-10-25
    soldstatus
24. 2017-10-23
    soldstatus
25. 2017-08-27
    listed $74,900

ⓘ 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: $1,771 · $148/mo
• Projected year-2 tax: $2,104 · $175/mo
• Expected delta: +$333/yr (+$28/mo · 18.8%)

ⓘ 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 9/10 Extreme 7 d/yr ≥110°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% 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: $16,554
• − Mortgage interest: −$6,442
• − Property taxes: −$1,771
• − Insurance: −$575
• − Repairs & maintenance: −$1,324
• − Management: −$1,324
• − Depreciation: −$3,345
• Taxable income: $1,772
• Est. tax owed @ 24.0%: −$425
• After-tax cash flow: $3,069/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: Harlingen CISD
• NCES district ID: 4822530
• Math proficiency: 25% ▼ -28.00%
• Reading proficiency: 35% ▼ -11.00%
• Median HH income: $37,182
• Composite: 24.94/100
• National rank: #7566
• State rank: #647 of 826 in TX

Livability — Harlingen

• Score: 73/100
• State rank: #217
• US rank: #5347

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Harlingen, TX
• County: Cameron County · 310,734 people
• City population: 95,667
• Metro: Brownsville-Harlingen, TX
• Population (ZIP): 42,332
• Household income: $69,811
• Rent vs Own: 24.7% rent · 75.3% own
• Severe rent burden: 487.0

Population outlook (Cameron County) Hauer SSP2

• Today (2025): 441,603 people
• By 2030: 448,113 · +1.5%
• By 2040: 456,385 · +3.3%
• By 2050: 456,294 · +3.3%
• By 2075: 423,851 · -4.0%
• By 2100: 342,787 · -22.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (80%)
• Race & ethnicity: Hispanic / Latino 80% Two or more races 31% White 16% Asian 2%
• Hispanic origin (detail): Mexican 75%
• Common ancestry: Lithuanian 1% Romanian 1% Slovak 1%
• Foreign-born: 15% · Canada
• Languages at home: 49% English-only · Spanish 49% Vietnamese 1%

Political lean MEDSL · Cameron

• 2024 margin: Lean R (+5.8) · D 46.7% · R 52.5%
• 2008→2024 swing: -34.6pp toward R · 2008: 28.8pp · 2024: -5.8pp
• All cycles: 2024: R+5.8 2020: D+13.2 2016: D+32.5 2012: D+32.4 2008: D+28.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -31.61%
• Current HPI: 197.1906
• Rent YoY: ▼ -1.87%
• Metro: Brownsville-Harlingen, 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

+53.5% since first listed

25 events — show timeline

• 2026-05-15 Pending — MCALLENMLS
• 2026-05-14 Pending — RGVMLS
• 2026-05-05 Contingent — MCALLENMLS
• 2026-05-05 Relisted — RGVMLS
• 2026-05-05 Delisted — RGVMLS
• 2026-05-05 Listed $115,000 MCALLENMLS
• 2026-04-19 Relisted — RGVMLS
• 2026-04-19 Relisted — MCALLENMLS
• 2026-02-06 Pending — MCALLENMLS
• 2026-02-05 Pending — RGVMLS
• 2026-01-27 Contingent — MCALLENMLS
• 2026-01-22 Relisted — MCALLENMLS
• 2026-01-21 Price Changed $115,000 MCALLENMLS
• 2026-01-21 Relisted — RGVMLS
• 2026-01-21 Price Changed $115,000 RGVMLS
• 2026-01-14 Contingent — MCALLENMLS
• 2025-12-05 Price Changed $132,500 RGVMLS
• 2025-12-05 Price Changed $132,500 MCALLENMLS
• 2025-11-04 Listed $139,900 RGVMLS
• 2025-11-04 Listed $139,900 MCALLENMLS
• 2019-04-03 Sold (Public Records) — Public Records
• 2019-04-02 Sold (Public Records) — Public Records
• 2017-10-25 Sold (Public Records) — Public Records
• 2017-10-23 Sold (MLS) — RGVMLS
• 2017-08-27 Listed $74,900 RGVMLS

Property tax history

+3.5%/yr

Latest (2025): $1,771 · +10.3% YoY. Source: county tax records.