810 N Wall St · Shamrock, TX 79095

$63,500

2 bd · 1.0 ba · 952 sqft · SingleFamily public records · 270 Days on market

Built 1928

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.7/10.0
• ARV discount +7.5/15.0
• Appreciation +6.5/10.0
• Schools +3.4/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to this cozy 2-bedroom, 1-bath home that blends historic charm with modern updates. Built in 1928, this 952 sq ft residence has been thoughtfully refreshed with an updated kitchen and bathroom, making it move-in ready while retaining its character. Whether you're a first-time buyer, downsizing, or investing, this home is full of potential and ready for its next chapter.

Key facts

• Built 1928
• Listed 270 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $64k.

Deal economics

• At list price, monthly cash flow is $267 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($870 rent vs $64k).
• Recommended offer: $56k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#666 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime A-; Watch: schools D-, amenities F, commute F.
• Shamrock ISD (rural): math 39% / reading 37% proficiency, ranked #811 of 1,141 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 7 active listings in the ZIP.

Forward outlook

• In year one you build about $2k of equity ($439 loan paydown + $2k appreciation (3.1% local appreciation)).
• Wheeler County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.1% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 270 days — a 12% lower offer ($56k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y 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 1928 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $55,880 (12.0% below list)

Questions for the listing agent

1. It's been on market 270 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1928 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.37% ✓
• Cap rate: 11.34%
• Cash-on-cash: 18.03%
• DSCR: 1.80
• GRM: 6.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

3.06% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.6%
• Equity multiple: 2.40×
• Total profit: $24,847
• Equity at exit: $28,749

10-year hold

• IRR: 25.3%
• Equity multiple: 4.62×
• Total profit: $64,396
• Equity at exit: $44,460

Cash invested: $17,780 (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 79095

• Home prices YoY: 3.3%
• Active inventory: 7
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $870 medium
• Mortgage (P&I): −$333
• Tax from tax record: −$61 /mo · $728/yr
• Insurance: −$26
• HOA: −$0
• Vacancy / Maint / Mgmt: −$183
• Net cashflow: $267

Break-even live

Break-even rent $532

Max offer price $63,500

Occupancy floor 64%

Sensitivity live

Price	-10% $303	-5% $285	+0% $267	+5% $249	+10% $231
Rent	-10% $198	-5% $233	+0% $267	+5% $301	+10% $336
Rate	-1.0pp $299	-0.5pp $283	base $267	+0.5pp $251	+1.0pp $234

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: $15,875
• Closing costs: $1,905
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-21
   days on market $63,500 Active 270 DOM
2. 2026-06-18
   days on market $63,500 Active 268 DOM
3. 2026-06-17
   days on market $63,500 Active 267 DOM
4. 2026-06-16
   days on market $63,500 Active 266 DOM
5. 2026-06-15
   days on market $63,500 Active 265 DOM
6. 2026-06-15
   days on market $63,500 Active 264 DOM
7. 2026-06-13
   days on market $63,500 Active 263 DOM
8. 2026-06-12
   days on market $63,500 Active 262 DOM
9. 2026-06-09
   days on market $63,500 Active 259 DOM
10. 2026-06-08
    days on market $63,500 Active 258 DOM
11. 2026-06-08
    days on market $63,500 Active 257 DOM
12. 2026-06-07
    days on market $63,500 Active 256 DOM
13. 2026-06-03
    days on market $63,500 Active 253 DOM
14. 2026-06-02
    days on market $63,500 Active 252 DOM
15. 2026-06-01
    days on market $63,500 Active 251 DOM
16. 2026-05-31
    days on market $63,500 Active 250 DOM
17. 2026-03-02
    price $63,500 380-char remark

    Show marketing remark (380 chars)

    Welcome to this cozy 2-bedroom, 1-bath home that blends historic charm with modern updates. Built in 1928, this 952 sq ft residence has been thoughtfully refreshed with an updated kitchen and bathroom, making it move-in ready while retaining its character. Whether you're a first-time buyer, downsizing, or investing, this home is full of potential and ready for its next chapter.

18. 2025-09-23
    listed $65,000 Active 380-char remark

    Show marketing remark (380 chars)

    Welcome to this cozy 2-bedroom, 1-bath home that blends historic charm with modern updates. Built in 1928, this 952 sq ft residence has been thoughtfully refreshed with an updated kitchen and bathroom, making it move-in ready while retaining its character. Whether you're a first-time buyer, downsizing, or investing, this home is full of potential and ready for its next chapter.

19. 2023-08-25
    soldstatus Closed 294-char remark

    Show marketing remark (294 chars)

    Looking for that perfect first home or maybe an investment property? Then you need to check this one out. Owners have completed several upgrades to this home, new floors- vinyl and ceramic tile, remodeled bathroom with shower and tankless hot water heater. Put this one on your list to look at!

20. 2023-06-27
    listed $58,000 Active 294-char remark

    Show marketing remark (294 chars)

    Looking for that perfect first home or maybe an investment property? Then you need to check this one out. Owners have completed several upgrades to this home, new floors- vinyl and ceramic tile, remodeled bathroom with shower and tankless hot water heater. Put this one on your list to look at!

21. 2007-08-21
    soldstatus
22. 2002-07-08
    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: $728 · $61/mo
• Projected year-2 tax: $1,162 · $97/mo
• Expected delta: +$434/yr (+$36/mo · 59.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 Heat 6/10 Major 7 d/yr ≥103°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% 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: $10,439
• − Mortgage interest: −$3,557
• − Property taxes: −$728
• − Insurance: −$318
• − Repairs & maintenance: −$835
• − Management: −$835
• − Depreciation: −$1,847
• Taxable income: $2,319
• Est. tax owed @ 24.0%: −$556
• After-tax cash flow: $2,648/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: Shamrock ISD
• NCES district ID: 4839900
• Math proficiency: 39% ▬ 0.00%
• Reading proficiency: 37% ▲ 3.00%
• Median HH income: $40,511
• Composite: 34.44/100
• National rank: #10164
• State rank: #811 of 1141 in TX

Livability — Shamrock

• Score: 65/100
• State rank: #666
• US rank: #12507

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Shamrock, TX
• City population: 2,406
• Population (ZIP): 2,569

Population outlook (Wheeler County) Hauer SSP2

• Today (2025): 6,212 people
• By 2030: 6,519 · +4.9%
• By 2040: 7,210 · +16.1%
• By 2050: 7,953 · +28.0%
• By 2075: 9,663 · +55.6%
• By 2100: 10,059 · +61.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 52% Hispanic / Latino 34% Two or more races 24% Black 8% Native American 2%
• Hispanic origin (detail): Mexican 28%
• Common ancestry: Italian 5% Scotch-Irish 1% Iranian 1%
• Foreign-born: 5% · Canada
• Languages at home: 88% English-only · Spanish 10% German/W. Germanic 2%

Political lean MEDSL · Wheeler

• 2024 margin: Solid R (+84.7) · D 7.4% · R 92.1%
• 2008→2024 swing: -13.2pp toward R · 2008: -71.4pp · 2024: -84.7pp
• All cycles: 2024: R+84.7 2020: R+85.2 2016: R+82.1 2012: R+77.3 2008: R+71.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.06%
• Current HPI: 94.8196
• 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

+9.5% since first listed

6 events — show timeline

• 2026-03-02 Price Changed $63,500 AARMLS
• 2025-09-23 Listed $65,000 AARMLS
• 2023-08-25 Sold (MLS) — AARMLS
• 2023-06-27 Listed $58,000 AARMLS
• 2007-08-21 Sold (Public Records) — Public Records
• 2002-07-08 Sold (Public Records) — Public Records

Property tax history

+8.4%/yr

Latest (2025): $728 · +10.1% YoY. Source: county tax records.