604 Yucca Dr · Copperas Cove, TX 76522

$144,900

3 bd · 2.0 ba · 1,724 sqft · SingleFamily public records · 142 Days on market

Built 1972 0.74 ac lot $84/sqft · 29% below area Est $204k · 29% under ↓ 9% since listing

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Why this score? — see what drove the C- 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 +16.8/30.0
• ARV discount +15.0/15.0
• 1% rule +6.2/10.0
• DSCR +5.2/10.0
• Schools +3.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This 3 bedroom, 2 bathroom home offers great potential for buyers ready to update and add value. The property features a functional floor plan with spacious living areas and comfortable bedroom sizes. With some cosmetic updates and modern touches, this home could truly shine. Situated on a hill with a view & conveniently located near shopping, dining, and Fort Hood. This is a great opportunity for investors, flippers, or owner-occupants looking to customize a home to their taste. Priced to reflect needed updates—bring your vision and make it your own!

Key facts

• 0.74 acre lot
• 2 garage spots
• Built 1972

Tags

• FUNCTIONAL FLOOR PLAN
• SPACIOUS LIVING AREAS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $92 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $145k).
• Recommended offer: $128k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.1% vs local median 3.4% in Copperas Cove — 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 65/100 on livability (#706 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D+, amenities F.
• Copperas Cove ISD (suburban): math 41% / reading 42% proficiency, ranked #340 of 826 in TX (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.2%/yr); 605 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% of comp listings sitting > 30 days — soft ceiling on asking rent; 386 units permitted in Coryell County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 142 days — a 12% lower offer ($128k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 3.1% of price.
• Climate carrying-cost: major wind risk, 51% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 6→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $127,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 142 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 1972 — 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.12% ✓
• Cap rate: 7.05%
• Cash-on-cash: 2.72%
• DSCR: 1.12
• GRM: 7.4

CMA / ARV

• ARV (median comp): $203,788
• List price: $144,900
• Delta: -28.90%
• 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
604 Yucca Dr	0.00mi	3/2.0	1,724 (0%)	1mo	$142,000	$82	99
608 Allen St	0.24mi	3/2.0	1,736 (+1%)	2mo	$210,000	$121	86
306 Margaret Lee St	0.19mi	3/1.0	1,814 (+5%)	5mo	$85,000	$47	74
1005 Virginia Ave	0.48mi	3/2.0	1,748 (+1%)	7mo	$220,000	$126	70
710 Ash St	0.19mi	3/2.0	1,957 (+14%)	6mo	$281,000	$144	63
1302 Creek St	0.58mi	4/2.0 (+1)	1,685 (-2%)	7mo	$235,000	$139	58
912 Risen Star Ln	0.64mi	4/2.0 (+1)	1,701 (-1%)	6mo	$240,000	$141	58
1001 Gilmore St	0.54mi	3/2.0	1,575 (-9%)	4mo	$167,000	$106	57
905 Vernon Dr	0.54mi	4/2.0 (+1)	1,560 (-10%)	1mo	$230,000	$147	53
904 Randa St	0.72mi	4/2.0 (+1)	1,638 (-5%)	4mo	$234,000	$143	50
520 Judy Ln	0.29mi	4/2.0 (+1)	1,499 (-13%)	13mo	$210,000	$140	49
1003 Joe Morse Dr	0.57mi	3/2.0	1,468 (-15%)	6mo	$205,000	$140	44

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: -15.9%
• Equity multiple: 0.45×
• Total profit: $-22,245
• Equity at exit: $21,605

10-year hold

• IRR: -15.4%
• Equity multiple: 0.27×
• Total profit: $-29,646
• Equity at exit: $12,528

Cash invested: $40,572 (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 76522

• Home prices YoY: -22.4%
• Rents YoY: -0.2%
• Active inventory: 605
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,623 high
• Mortgage (P&I): −$760
• Tax from tax record: −$370 /mo · $4,438/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $92

Break-even live

Break-even rent $1,506

Max offer price $144,900

Occupancy floor 89%

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: $36,225
• Closing costs: $4,347
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
613 Cedar Dr Copperas Cove, TX	3.0	2.5	2108	$2,750	$1.30	43d	1	0.03mi
303 Margaret Lee St Copperas Cove, TX	3.0	1.0	1124	$915	$0.81	13d	1	0.26mi
809 Shady Ln Copperas Cove, TX	4.0	1.5	1900	$1,600	$0.84	13d	1	0.32mi
408 Allen St Copperas Cove, TX	3.0	1.0	1300	$1,095	$0.84	23d	1	0.32mi
914 Chalk St Copperas Cove, TX	3.0	2.0	1107	$1,200	$1.08	23d	1	0.48mi
518 Kate St Copperas Cove, TX	4.0	1.5	1302	$1,595	$1.23	43d	1	0.48mi
1102 Creek St Copperas Cove, TX	4.0	2.5	1834	$1,675	$0.91	43d	1	0.50mi
507 Kate St Copperas Cove, TX	3.0	2.0	1280	$1,295	$1.01	23d	1	0.53mi
304 Oak St Copperas Cove, TX	3.0	1.0	1627	$1,350	$0.83	43d	1	0.56mi
208 Oak St Copperas Cove, TX	3.0	2.0	1822	$1,495	$0.82	23d	1	0.58mi
1306 Amthor Ave Copperas Cove, TX	3.0	2.0	1366	$1,399	$1.02	43d	1	0.68mi
107 Nauert St Copperas Cove, TX	3.0	2.0	1710	$1,300	$0.76	43d	1	0.70mi
105 Nauert St Copperas Cove, TX	4.0	1.0	1346	$1,395	$1.04	23d	1	0.71mi
917 Whirlaway Dr Copperas Cove, TX	3.0	2.0	1300	$1,500	$1.15	43d	1	0.73mi
912 Laurie Ln Copperas Cove, TX	3.0	2.0	2080	$1,700	$0.82	13d	1	0.81mi
902 Lynn Ln Copperas Cove, TX	3.0	2.0	1661	$1,600	$0.96	13d	1	0.82mi
924 Northern Dancer Dr Copperas Cove, TX	4.0	2.0	1610	$1,650	$1.02	43d	1	0.83mi
1002 Northern Dancer Dr Copperas Cove, TX	4.0	2.0	1605	$1,750	$1.09	43d	1	0.83mi
1202 S FM 116 Copperas Cove, TX	1.0–3.0	1.0–2.0	922	$1,560	$1.69	13d	12	0.85mi
1202 S 3rd St Copperas Cove, TX	3.0	2.0	1056	$1,175	$1.11	43d	1	0.90mi
604 N Main St Apt D Copperas Cove, TX	3.0	1.5	1100	$900	$0.82	43d	1	0.93mi
105 E Reagan Ave Copperas Cove, TX	2.0	1.0	1758	$675	$0.38	43d	1	0.93mi
504 Highway Ave Unit B Copperas Cove, TX	2.0	1.0	1500	$700	$0.47	43d	1	0.94mi
704 Kim Ave Copperas Cove, TX	3.0	2.0	1692	$1,695	$1.00	21d	1	0.98mi
1335 Liberation Ln Unit A Copperas Cove, TX	3.0	2.0	1333	$2,500	$1.88	13d	1	0.99mi
1316 Liberation Ln Unit B Copperas Cove, TX	3.0	2.0	1300	$1,300	$1.00	43d	1	0.99mi
1335 Liberation Ln Unit B Copperas Cove, TX	3.0	2.0	1333	$2,400	$1.80	13d	1	1.00mi
1204 S 7th St Copperas Cove, TX	3.0	2.0	1202	$1,295	$1.08	43d	1	1.00mi
211 E Hogan Dr Copperas Cove, TX	3.0	2.0	1372	$1,400	$1.02	13d	1	1.00mi
1104 Cummings Ave Copperas Cove, TX	3.0	2.0	1542	$1,395	$0.90	43d	1	1.00mi
1201 S 9th St Copperas Cove, TX	3.0	2.0	1172	$1,100	$0.94	23d	1	1.02mi
412 West Avenue C Unit C Copperas Cove, TX	3.0	2.0	1343	$1,600	$1.19	21d	1	1.03mi
414 West Avenue C Unit C Copperas Cove, TX	3.0	2.0	1343	$1,600	$1.19	43d	1	1.03mi
1243 Liberation Ln Unit A Copperas Cove, TX	3.0	2.0	1309	$1,249	$0.95	43d	1	1.04mi
418 Cottonwood Dr Copperas Cove, TX	3.0	2.0	1208	$1,495	$1.24	43d	1	1.04mi
1005 S 11th St Copperas Cove, TX	4.0	2.0	1236	$1,090	$0.88	43d	1	1.05mi
1904 Pleasant Ln Copperas Cove, TX	3.0	2.0	1352	$1,400	$1.04	43d	1	1.05mi
604 S 11th St Copperas Cove, TX	3.0	2.0	1119	$1,300	$1.16	43d	1	1.05mi
607 Curry Ave Copperas Cove, TX	3.0	1.5	1192	$935	$0.78	23d	1	1.06mi
1564 Risen Star Ln Unit A Copperas Cove, TX	3.0	2.0	1110	$1,400	$1.26	23d	1	1.06mi

Listing history 4 events

1. 2026-05-14
   status Pending 569-char remark

   Show marketing remark (569 chars)

   This 3 bedroom, 2 bathroom home offers great potential for buyers ready to update and add value. The property features a functional floor plan with spacious living areas and comfortable bedroom sizes. With some cosmetic updates and modern touches, this home could truly shine. Situated on a hill with a view & conveniently located near shopping, dining, and Fort Hood. This is a great opportunity for investors, flippers, or owner-occupants looking to customize a home to their taste. Priced to reflect needed updates—bring your vision and make it your own!

2. 2026-03-06
   price $144,900 569-char remark

   Show marketing remark (569 chars)

   This 3 bedroom, 2 bathroom home offers great potential for buyers ready to update and add value. The property features a functional floor plan with spacious living areas and comfortable bedroom sizes. With some cosmetic updates and modern touches, this home could truly shine. Situated on a hill with a view & conveniently located near shopping, dining, and Fort Hood. This is a great opportunity for investors, flippers, or owner-occupants looking to customize a home to their taste. Priced to reflect needed updates—bring your vision and make it your own!

3. 2026-01-29
   price $149,900 569-char remark

   Show marketing remark (569 chars)

   This 3 bedroom, 2 bathroom home offers great potential for buyers ready to update and add value. The property features a functional floor plan with spacious living areas and comfortable bedroom sizes. With some cosmetic updates and modern touches, this home could truly shine. Situated on a hill with a view & conveniently located near shopping, dining, and Fort Hood. This is a great opportunity for investors, flippers, or owner-occupants looking to customize a home to their taste. Priced to reflect needed updates—bring your vision and make it your own!

4. 2025-12-22
   listed $159,900 Active 569-char remark

   Show marketing remark (569 chars)

   This 3 bedroom, 2 bathroom home offers great potential for buyers ready to update and add value. The property features a functional floor plan with spacious living areas and comfortable bedroom sizes. With some cosmetic updates and modern touches, this home could truly shine. Situated on a hill with a view & conveniently located near shopping, dining, and Fort Hood. This is a great opportunity for investors, flippers, or owner-occupants looking to customize a home to their taste. Priced to reflect needed updates—bring your vision and make it your own!

ⓘ 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: $4,438 · $370/mo
• Projected year-2 tax: $4,438 · $370/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 5/10 Major
• 🌡 Heat 7/10 Severe 6 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 51% 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: $19,473
• − Mortgage interest: −$8,117
• − Property taxes: −$4,438
• − Insurance: −$724
• − Repairs & maintenance: −$1,558
• − Management: −$1,558
• − Depreciation: −$4,215
• Taxable loss: −$1,138
• Est. tax savings @ 24.0%: +$273
• After-tax cash flow: $1,375/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: Copperas Cove ISD
• NCES district ID: 4815240
• Math proficiency: 41% ▼ -6.00%
• Reading proficiency: 42% ▼ -2.00%
• Median HH income: $51,072
• Composite: 35.85/100
• National rank: #4822
• State rank: #340 of 826 in TX

Livability — Copperas Cove

• Score: 65/100
• State rank: #706
• US rank: #13158

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Copperas Cove, TX
• County: Coryell County · 61,053 people
• City population: 42,118
• Metro: Killeen-Temple, TX
• Population (ZIP): 42,118
• Household income: $72,206
• Rent vs Own: 37.9% rent · 62.1% own
• Severe rent burden: 1019.0

Population outlook (Coryell County) Hauer SSP2

• Today (2025): 75,485 people
• By 2030: 75,627 · +0.2%
• By 2040: 74,898 · -0.8%
• By 2050: 74,221 · -1.7%
• By 2075: 72,688 · -3.7%
• By 2100: 66,862 · -11.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 53% Hispanic / Latino 21% Two or more races 20% Black 14% Asian 2%
• Hispanic origin (detail): Mexican 11% Puerto Rican 6%
• Common ancestry: Romanian 2% Italian 2% Lithuanian 2%
• Foreign-born: 7% · Canada, South Korea
• Languages at home: 85% English-only · Spanish 10% German/W. Germanic 2% Other Asian/Pacific 1%

Political lean MEDSL · Coryell

• 2024 margin: Solid R (+40.7) · D 29.1% · R 69.8% · Other 1.1%
• 2008→2024 swing: -13.8pp toward R · 2008: -26.9pp · 2024: -40.7pp
• All cycles: 2024: R+40.7 2020: R+33.5 2016: R+39.5 2012: R+36.6 2008: R+26.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -53.11%
• Current HPI: 183.9452
• Rent YoY: ▼ -0.25%
• Metro: Killeen-Temple, 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

-9.4% since first listed

4 events — show timeline

• 2026-05-14 Pending — CTXMLS
• 2026-03-06 Price Changed $144,900 CTXMLS
• 2026-01-29 Price Changed $149,900 CTXMLS
• 2025-12-22 Listed $159,900 CTXMLS

Property tax history

+5.4%/yr

Latest (2025): $4,438 · +12.2% YoY. Source: county tax records.