Whitton II Plan · Royse City, TX 75189

$263,999

3 bd · 2.0 ba · 1,522 sqft · SingleFamily · 684 Days on market

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Why this score? — see what drove the F 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 +7.7/30.0
• ARV discount +7.5/15.0
• Schools +3.8/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• Rent growth +2.2/5.0
• DSCR +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This single-story home offers the convenience of having everything you need on one level. Two bedrooms frame a full-sized bathroom toward the entry, just before the open layout shared by the kitchen, dining room and family room. The owner's suite enjoys a private, back corner location and includes a separate bathroom and walk-in closet.

Key facts

• Open layout
• Owner's suite
• Single-story home

Tags

• SINGLE-STORY HOME
• OPEN LAYOUT
• OWNER'S SUITE

🏗️ New construction. The $263,999 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $293,121.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $264k.

Deal economics

• At list price, monthly cash flow is $-336 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $245k (7.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $214k (19.0% below list).
• Recommended offer: $214k (19.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 75/100 on livability (#158 in TX, #4,292 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: schools C-, amenities F, commute F.
• Royse City ISD (rural): math 42% / reading 42% proficiency, ranked #266 of 826 in TX (top 32%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-1.1%/yr); 1301 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 1,289 units permitted in Hunt County in 2024 (527 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Hunt County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 684 days — a 12% lower offer ($232k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $213,892 (19.0% 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. It's been on market 684 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
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. 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?
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: 0.73% ✗
• Cap rate: 4.92%
• Cash-on-cash: -4.91%
• DSCR: 0.78
• GRM: 11.4

CMA / ARV

• ARV (median comp): $293,121
• List price: $263,999
• Delta: -9.94%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3121 Emory Oak Way	0.24mi	4/2.0 (+1)	1,550 (+2%)	2mo	$253,500	$164	79
1228 Koto Wood Dr	0.27mi	3/2.0	1,608 (+6%)	1mo	$269,000	$167	77
1212 Bent Tree Rd	0.13mi	4/2.0 (+1)	1,605 (+6%)	9mo	$259,900	$162	73
3112 Burwood Ln	0.15mi	3/2.0	1,720 (+13%)	2mo	$249,900	$145	70
1521 Applegate Way	0.31mi	3/2.0	1,395 (-8%)	3mo	$210,000	$151	70
2916 Burwood Ln	0.08mi	3/2.0	1,711 (+12%)	9mo	$250,000	$146	68
2908 Glenoaks Dr	0.13mi	3/2.0	1,711 (+12%)	8mo	$257,600	$151	67
1220 Alder Tree Ln	0.50mi	3/2.0	1,418 (-7%)	4mo	$239,000	$169	62
1304 Honeywood Ln	0.44mi	3/2.0	1,435 (-6%)	10mo	$245,000	$171	62
2121 Tulipwood Dr	0.73mi	3/2.0	1,506 (-1%)	4mo	$255,000	$169	61
1325 Alder Tree Ln	0.47mi	3/2.0	1,409 (-7%)	10mo	$240,000	$170	57
1828 Elderberry St	0.75mi	3/2.0	1,622 (+7%)	2mo	$250,000	$154	52

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: -28.0%
• Equity multiple: 0.08×
• Total profit: $-75,131
• Equity at exit: $43,705

10-year hold

• IRR: -43.4%
• Equity multiple: -0.43×
• Total profit: $-117,067
• Equity at exit: $25,344

Cash invested: $82,074 (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 75189

• Home prices YoY: -25.0%
• Rents YoY: -1.1%
• Active inventory: 1301
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,139 high
• Mortgage (P&I): −$1,537
• Tax est. 1.5%: −$366 /mo · $4,397/yr
• Insurance: −$122
• HOA: −$0
• Vacancy / Maint / Mgmt: −$449
• Net cashflow: $-336

Break-even live

Break-even rent $2,564

Max offer price $244,509

Occupancy floor —

Sensitivity live

Price	-10% $-133	-5% $-235	+0% $-336	+5% $-437	+10% $-539
Rent	-10% $-505	-5% $-420	+0% $-336	+5% $-251	+10% $-167
Rate	-1.0pp $-188	-0.5pp $-261	base $-336	+0.5pp $-412	+1.0pp $-489

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: $73,280
• Closing costs: $8,794
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1204 Cedar Cove Pl Royse City, TX	3.0	2.0	1450	$1,925	$1.33	25d	1	0.18mi
3105 Oak Crest Dr Royse City, TX	3.0	2.0	1864	$1,929	$1.03	23d	1	0.18mi
1328 River Oak Ln Royse City, TX	4.0	2.0	2196	$2,400	$1.09	4d	1	0.36mi
1309 Honeywood Ln Royse City, TX	3.0	2.0	1514	$1,746	$1.15	0d	1	0.39mi
1225 Alder Tree Ln Royse City, TX	3.0	2.5	2181	$2,000	$0.92	4d	1	0.45mi
1125 Silver Maple Ln Royse City, TX	3.0	2.0	1444	$1,895	$1.31	45d	1	0.52mi
1125 Silver Maple Ln Royse City, TX	3.0	2.0	1590	$1,895	$1.19	25d	1	0.52mi
1312 Silver Maple Ln Royse City, TX	3.0	2.5	1406	$1,695	$1.21	45d	1	0.53mi
1817 Acacia Dr Royse City, TX	4.0	3.0	2118	$2,000	$0.94	15d	1	0.59mi
3213 Shady River Trl Royse City, TX	3.0	2.0	1858	$1,849	$1.00	23d	1	0.61mi
1004 Basswood Ln Royse City, TX	4.0	2.0	2097	$1,995	$0.95	16d	1	0.62mi
523 Francis Ln Royse City, TX	4.0	3.0	2029	$2,299	$1.13	45d	1	0.67mi
1825 Damianita Dr Royse City, TX	4.0	2.0	1999	$2,100	$1.05	16d	1	0.69mi
2113 Tulipwood Dr Royse City, TX	4.0	2.0	1857	$2,075	$1.12	3d	1	0.70mi
1828 Elderberry St Royse City, TX	3.0	2.0	1907	$1,995	$1.05	16d	1	0.71mi
208 Sunny Corner Rd Royse City, TX	3.0	2.0	1780	$1,695	$0.95	21d	1	0.72mi
2124 Tulipwood Dr Royse City, TX	4.0	2.0	1703	$2,200	$1.29	20d	1	0.73mi
2133 Tulipwood Dr Royse City, TX	4.0	2.0	1770	$2,295	$1.30	45d	1	0.75mi
1916 Elderberry St Royse City, TX	3.0	2.0	1654	$2,059	$1.24	0d	1	0.79mi
2134 Donker Dr Royse City, TX	4.0	2.0	1838	$1,950	$1.06	2d	1	0.80mi
2117 Berrywood Dr Royse City, TX	4.0	2.0	1706	$2,095	$1.23	2d	1	0.81mi
2117 Berrywood Dr Royse City, TX	4.0	2.0	1703	$2,095	$1.23	4d	1	0.81mi
1817 Grassland Dr Royse City, TX	3.0	2.0	1763	$2,000	$1.13	0d	1	0.81mi
2141 Donker Dr Royse City, TX	4.0	2.0	1838	$1,850	$1.01	16d	1	0.82mi
2141 Donker Dr Royse City, TX	4.0	2.0	1838	$1,850	$1.01	4d	1	0.82mi
1226 Banyan Dr Royse City, TX	4.0	2.0	1996	$1,895	$0.95	20d	1	0.85mi
1813 Huisache St Royse City, TX	3.0	2.0	1600	$1,895	$1.18	20d	1	0.85mi
1944 Fox Glove St Royse City, TX	4.0	2.0	1478	$1,795	$1.21	45d	1	0.88mi
3140 Overlook Dr Royse City, TX	4.0	2.0	1866	$2,200	$1.18	45d	1	0.88mi
3136 Overlook Dr Royse City, TX	4.0	2.0	2046	$2,295	$1.12	45d	1	0.89mi
3136 Overlook Dr Royse City, TX	4.0	2.0	2046	$2,295	$1.12	4d	1	0.89mi
1937 Huisache St Royse City, TX	4.0	2.0	1999	$2,200	$1.10	0d	1	0.97mi
1844 Javelina St Royse City, TX	4.0	2.0	1720	$2,295	$1.33	5d	1	0.97mi
1852 Javelina St Royse City, TX	4.0	2.0	1900	$2,200	$1.16	0d	1	0.97mi
3000 Buttonbush Dr Royse City, TX	4.0	2.0	1892	$1,895	$1.00	16d	1	1.04mi
1944 Javelina St Royse City, TX	3.0	2.0	1934	$2,195	$1.13	0d	1	1.05mi
1825 Lotus St Royse City, TX	4.0	2.0	1996	$2,195	$1.10	4d	1	1.07mi
113 Keller Rd Royse City, TX	4.0	2.0	1917	$1,950	$1.02	22d	1	1.07mi
113 Keller Rd Royse City, TX	4.0	2.0	1917	$1,950	$1.02	45d	1	1.07mi
3108 Overstreet Ln Royse City, TX	3.0	2.0	1680	$1,899	$1.13	4d	1	1.13mi

Listing history 18 events

1. 2026-06-21
   days on market $263,999 Active 684 DOM
2. 2026-06-18
   days on market $263,999 Active 681 DOM
3. 2026-06-17
   days on market $263,999 Active 680 DOM
4. 2026-06-16
   days on market $263,999 Active 679 DOM
5. 2026-06-15
   days on market $263,999 Active 678 DOM
6. 2026-06-13
   days on market $263,999 Active 676 DOM
7. 2026-06-09
   days on market $263,999 Active 672 DOM
8. 2026-06-08
   days on market $263,999 Active 671 DOM
9. 2026-06-07
   days on market $263,999 Active 670 DOM
10. 2026-06-04
    days on market $263,999 Active 667 DOM
11. 2026-06-03
    days on market $263,999 Active 666 DOM
12. 2026-06-02
    days on market $263,999 Active 665 DOM
13. 2026-06-01
    days on market $263,999 Active 664 DOM
14. 2026-05-31
    days on market $263,999 Active 663 DOM
15. 2024-10-08
    price $263,999 338-char remark

    Show marketing remark (338 chars)

    This single-story home offers the convenience of having everything you need on one level. Two bedrooms frame a full-sized bathroom toward the entry, just before the open layout shared by the kitchen, dining room and family room. The owner's suite enjoys a private, back corner location and includes a separate bathroom and walk-in closet.

16. 2024-09-28
    price $261,999 338-char remark

    Show marketing remark (338 chars)

    This single-story home offers the convenience of having everything you need on one level. Two bedrooms frame a full-sized bathroom toward the entry, just before the open layout shared by the kitchen, dining room and family room. The owner's suite enjoys a private, back corner location and includes a separate bathroom and walk-in closet.

17. 2024-09-07
    price $258,999 338-char remark

    Show marketing remark (338 chars)

    This single-story home offers the convenience of having everything you need on one level. Two bedrooms frame a full-sized bathroom toward the entry, just before the open layout shared by the kitchen, dining room and family room. The owner's suite enjoys a private, back corner location and includes a separate bathroom and walk-in closet.

18. 2024-08-06
    listed $257,999 Active 338-char remark

    Show marketing remark (338 chars)

    This single-story home offers the convenience of having everything you need on one level. Two bedrooms frame a full-sized bathroom toward the entry, just before the open layout shared by the kitchen, dining room and family room. The owner's suite enjoys a private, back corner location and includes a separate bathroom and walk-in closet.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥110°F today · 23 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,667
• − Mortgage interest: −$16,419
• − Property taxes: −$4,397
• − Insurance: −$1,466
• − Repairs & maintenance: −$2,053
• − Management: −$2,053
• − Depreciation: −$8,527
• Taxable loss: −$9,249
• Est. tax savings @ 24.0%: +$2,220
• After-tax cash flow: $-1,812/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: Royse City ISD
• NCES district ID: 4838220
• Math proficiency: 42% ▼ -10.00%
• Reading proficiency: 42% ▼ -5.00%
• Median HH income: $73,810
• Composite: 38.44/100
• National rank: #4197
• State rank: #266 of 826 in TX

Livability — Royse City

• Score: 75/100
• State rank: #158
• US rank: #4292

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Rockwall County · 132,930 people
• City population: 48,739
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 48,739
• Household income: $117,125
• Rent vs Own: 11.5% rent · 88.5% own
• Severe rent burden: 569.0

Population outlook (Hunt County) Hauer SSP2

• Today (2025): 97,090 people
• By 2030: 100,452 · +3.5%
• By 2040: 106,544 · +9.7%
• By 2050: 111,218 · +14.6%
• By 2075: 121,695 · +25.3%
• By 2100: 123,683 · +27.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 60% Hispanic / Latino 25% Two or more races 12% Black 10% Asian 2%
• Hispanic origin (detail): Mexican 20%
• Common ancestry: Slovak 2% Serbian 1% Lithuanian 1%
• Foreign-born: 10% · Canada, Philippines, Jamaica
• Languages at home: 80% English-only · Spanish 15% Other Indo-European 1%

Political lean MEDSL · Hunt

• 2024 margin: Solid R (+55.5) · D 21.9% · R 77.4%
• 2008→2024 swing: -14.9pp toward R · 2008: -40.6pp · 2024: -55.5pp
• All cycles: 2024: R+55.5 2020: R+52.5 2016: R+56.3 2012: R+51.2 2008: R+40.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.10%
• Current HPI: 212.8422
• Rent YoY: ▼ -1.13%
• Metro: Dallas-Fort Worth-Arlington, 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

+2.3% since first listed

4 events — show timeline

• 2024-10-08 Price Changed $263,999 Zillow
• 2024-09-28 Price Changed $261,999 Zillow
• 2024-09-07 Price Changed $258,999 Zillow
• 2024-08-06 Listed $257,999 Zillow