436 Illinois St · Bloomington, TX 77951

$72,500

2 bd · 1.0 ba · 744 sqft · SingleFamily public records · 2 Days on market

Built 1975 6,581 sqft lot

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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 +5.6/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0

Listing remarks

Well Maintained frame home on one large lot. All Electric, Stove and Refrigerator stay. Centrally located in the town of Bloomington. Small portable building in backyard has washer and dryer connections. Metal Roof. Make an appointment to see this property today. .

Key facts

• Metal roof
• All electric
• Centrally located

Tags

• LARGE LOT
• ALL ELECTRIC
• CENTRALLY LOCATED
• WASHER AND DRYER CONNECTIONS
• METAL ROOF

Property features AI

Exterior

• Parking: Carport with 1 space
• Utilities: Public water; Public sewer; Electric service
• Home design: Single-story; Resale property; Built (year source: assessor)
• Construction: Frame construction; Metal roof; Pillar/post/pier foundation
• Exterior features: City lot; Level lot; Paved road; No additional exterior features listed

Interior

• Kitchen: Electric range; Gas or electric range (listed also as Range); Refrigerator
• Bedrooms: Total rooms: 1 (includes kitchen)
• Flooring: Tile flooring; Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning (electric, one unit)
• Interior features: Ceiling fan(s); Separate shower; Shower only
• Laundry & utility: Laundry details: See remarks

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $72k.

Deal economics

• At list price, monthly cash flow is $278 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($991 rent vs $72k).

Location & tenants

• Location reads 59/100 on livability (#1,163 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime B+; Watch: health & safety C-, schools F, amenities F.
• Bloomington ISD (rural): math 10% / reading 18% proficiency, ranked #814 of 826 in TX (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 5 active listings in the ZIP; 43 units permitted in Victoria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $1k of equity ($501 loan paydown + $799 appreciation (1.1% local appreciation)).
• Victoria County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (1.1% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $72,500

Questions for the listing agent

1. Built in 1975 — 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 F-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: 1.37% ✓
• Cap rate: 10.90%
• Cash-on-cash: 16.46%
• DSCR: 1.73
• GRM: 6.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

1.1% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.7%
• Equity multiple: 1.96×
• Total profit: $19,470
• Equity at exit: $25,134

10-year hold

• IRR: 21.8%
• Equity multiple: 3.66×
• Total profit: $53,922
• Equity at exit: $33,700

Cash invested: $20,300 (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 77951

• Home prices YoY: 0.8%
• Active inventory: 5
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $991 medium
• Mortgage (P&I): −$380
• Tax from tax record: −$94 /mo · $1,131/yr
• Insurance: −$30
• HOA: −$0
• Vacancy / Maint / Mgmt: −$208
• Net cashflow: $278

Break-even live

Break-even rent $639

Max offer price $72,500

Occupancy floor 67%

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: $18,125
• Closing costs: $2,175
• Reserves months: —
• Total cash needed: —

Listing history 3 events

1. 2026-06-18
   days on market $72,500 Active 2 DOM
2. 2026-06-17
   remarks 265-char remark
3. 2026-06-17
   listed $72,500 Active 1 DOM

ⓘ 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: $1,131 · $94/mo
• Projected year-2 tax: $1,327 · $111/mo
• Expected delta: +$196/yr (+$16/mo · 17.3%)

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X · 20% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥110°F today · 22 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: $11,895
• − Mortgage interest: −$4,061
• − Property taxes: −$1,131
• − Insurance: −$362
• − Repairs & maintenance: −$952
• − Management: −$952
• − Depreciation: −$2,109
• Taxable income: $2,329
• Est. tax owed @ 24.0%: −$559
• After-tax cash flow: $2,783/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: Bloomington ISD
• NCES district ID: 4810500
• Math proficiency: 10% ▼ -12.00%
• Reading proficiency: 18% ▼ -6.00%
• Median HH income: $44,679
• Composite: 12.4/100
• National rank: #9632
• State rank: #814 of 826 in TX

Livability — Bloomington

• Score: 59/100
• State rank: #1163
• US rank: #20339

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bloomington, TX
• City population: 1,442
• Population (ZIP): 1,442

Population outlook (Victoria County) Hauer SSP2

• Today (2025): 106,119 people
• By 2030: 113,161 · +6.6%
• By 2040: 127,402 · +20.1%
• By 2050: 141,953 · +33.8%
• By 2075: 179,410 · +69.1%
• By 2100: 200,127 · +88.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (74%)
• Race & ethnicity: Hispanic / Latino 74% Two or more races 26% White 14% Black 11%
• Hispanic origin (detail): Mexican 72%
• Foreign-born: 14% · Canada, Jamaica
• Languages at home: 59% English-only · Spanish 41%

Political lean MEDSL · Victoria

• 2024 margin: Solid R (+42.6) · D 28.4% · R 71.0%
• 2008→2024 swing: -9.0pp toward R · 2008: -33.6pp · 2024: -42.6pp
• All cycles: 2024: R+42.6 2020: R+38.0 2016: R+40.0 2012: R+37.8 2008: R+33.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.10%
• Current HPI: 133.9115
• 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

+0.0% since first listed

4 events — show timeline

• 2026-06-16 Listed $72,500 CTXMLS
• 2025-06-21 Listing Removed — CTXMLS
• 2025-03-23 Listed $72,500 CTXMLS
• 2006-01-03 Sold (Public Records) — Public Records

Property tax history

+7.4%/yr

Latest (2025): $1,131 · +1.5% YoY. Source: county tax records.