211 Paloma St · Winters, TX 79567

$137,900

4 bd · 2.0 ba · 1,787 sqft · SingleFamily public records · 46 Days on market

Built 1955 9,932 sqft lot $77/sqft · 7% below area Est $149k · 7% under

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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 +16.2/30.0
• ARV discount +10.8/15.0
• Appreciation +8.2/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.6/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

EXCELLENT OPPORTUNITY to get a SPACIOUS 4-bedroom, 2-bathroom single family home with approx. . 2,000 sq. ft. living space and an inviting interior with WOOD FLOORS. House already has new plumbing. With a little bit of TLC to finish some trim, upgrade the kitchen, and a few other touch-ups, you will maximize its ABUNDANT POTENTIAL and make it your amazing new home for many years to come. Perfect for an OWNER OCCUPANT or a RENTAL INVESTOR. Priced for a QUICK SALE at AS-IS CASH price point. Seller is willing to make some upgrades at an additional price, if buyer desires

Key facts

• New plumbing
• Wood floors
• Abundant potential

Tags

• NEW PLUMBING
• WOOD FLOORS
• ABUNDANT POTENTIAL

Property features AI

Finance

• Other: Listing status: Active; Possession at closing/funding; Listing agreement: Exclusive right to sell
• Financial info: Accepts Cash, Conventional, FHA, and VA financing
• HOA & community: No homeowners association

Exterior

• Parking: Covered carport for 2 vehicles; Driveway parking
• Utilities: City sewer; Co-op water; Electricity connected; Not in a municipal utility district
• Home design: Single-family residence; One story; Built in 1955; Not attached to another property
• Construction: Year built 1955
• Exterior features: Lot is less than 0.5 acre (approx. 0.228 acres); Subdivision: Sunlawn; Directions: From Highway 83, head west on State St, then left on the second Paloma; house is on the right

Interior

• Kitchen: Appliances: Other
• Bedrooms: 4 bedrooms; Primary bedroom on main level
• Bathrooms: 2 full bathrooms
• Heating & cooling: Window unit(s) for cooling; Other heating
• Interior features: Cable TV available; High-speed internet available; One living area; One dining area; Two total rooms (listed)
• Laundry & utility: No specific laundry details provided

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $138k.

Deal economics

• At list price, monthly cash flow is $74 ($892/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $137k (0.4% below list).
• Recommended offer: $134k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#271 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment D-.
• Winters ISD (town): math 31% / reading 31% proficiency, ranked #616 of 826 in TX (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Winters El (math 42% / reading 32%, grade F, #1,769 of 4,322 statewide, top 44%, 339 students, 74% FRL) — zoned schools average 74% FRL vs 55% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 30 active listings in the ZIP; 2 units permitted in Runnels County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $10k of equity ($953 loan paydown + $9k appreciation (6.4% local appreciation)).
• At projected returns (6.4% appreciation + 3.0% rent growth), your $39k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 46 days — a 3% lower offer ($134k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 4y 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 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $133,763 (3.0% below list)

Questions for the listing agent

1. It's been on market 46 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 1.00% ✗
• Cap rate: 6.94%
• Cash-on-cash: 2.31%
• DSCR: 1.10
• GRM: 8.4

CMA / ARV

• ARV (median comp): $148,713
• List price: $137,900
• Delta: -7.27%
• Verdict: FAIR
• Comps: 16 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
610 W Dale St	0.22mi	3/2.0 (-1)	1,708 (-4%)	2mo	$119,900	$70	76
710 W Dale St	0.18mi	4/3.0	1,723 (-4%)	11mo	$219,000	$127	73
606 State St	0.20mi	3/1.5 (-1)	1,858 (+4%)	11mo	$180,000	$97	68
303 S Church St	0.46mi	3/2.0 (-1)	1,681 (-6%)	6mo	$135,000	$80	58
311 S Melwood St	0.38mi	3/2.0 (-1)	2,046 (+14%)	5mo	$149,900	$73	49

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

6.39% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.2%
• Equity multiple: 2.24×
• Total profit: $47,805
• Equity at exit: $90,092

10-year hold

• IRR: 17.6%
• Equity multiple: 4.53×
• Total profit: $136,248
• Equity at exit: $166,397

Cash invested: $38,612 (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 79567

• Home prices YoY: 4.7%
• Active inventory: 30
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,374 medium
• Mortgage (P&I): −$723
• Tax from tax record: −$230 /mo · $2,763/yr
• Insurance: −$57
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $74

Break-even live

Break-even rent $1,280

Max offer price $137,900

Occupancy floor 90%

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: $34,475
• Closing costs: $4,137
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-18
   days on market $137,900 Active 46 DOM
2. 2026-06-17
   days on market $137,900 Active 45 DOM
3. 2026-06-16
   days on market $137,900 Active 44 DOM
4. 2026-06-15
   days on market $137,900 Active 43 DOM
5. 2026-06-15
   days on market $137,900 Active 42 DOM
6. 2026-06-13
   days on market $137,900 Active 41 DOM
7. 2026-06-12
   days on market $137,900 Active 40 DOM
8. 2026-06-09
   days on market $137,900 Active 37 DOM
9. 2026-06-08
   days on market $137,900 Active 36 DOM
10. 2026-06-08
    days on market $137,900 Active 35 DOM
11. 2026-06-07
    days on market $137,900 Active 34 DOM
12. 2026-06-03
    days on market $137,900 Active 31 DOM
13. 2026-06-02
    days on market $137,900 Active 30 DOM
14. 2026-06-01
    days on market $137,900 Active 29 DOM
15. 2026-05-31
    days on market $137,900 Active 28 DOM
16. 2026-05-18
    status Pending 579-char remark
17. 2026-04-28
    listed $137,900 Active 579-char remark
18. 2026-01-14
    historical
19. 2026-01-09
    listed $138,000 Active
20. 2025-10-26
    historical
21. 2025-10-08
    price $139,900
22. 2025-08-26
    listed $149,900 Active
23. 2023-06-30
    soldstatus
24. 2022-11-16
    status Active
25. 2022-11-03
    listed $129,900 Active
26. 2022-07-14
    soldstatus
27. 2017-03-17
    soldstatus
28. 2007-11-07
    soldstatus
29. 2005-04-15
    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: $2,763 · $230/mo
• Projected year-2 tax: $2,763 · $230/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 8/10 Severe 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 7/10 Severe 6 d/yr ≥105°F today · 18 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 19% 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: $16,485
• − Mortgage interest: −$7,725
• − Property taxes: −$2,763
• − Insurance: −$690
• − Repairs & maintenance: −$1,319
• − Management: −$1,319
• − Depreciation: −$4,012
• Taxable loss: −$1,342
• Est. tax savings @ 24.0%: +$322
• After-tax cash flow: $1,214/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: Winters ISD
• NCES district ID: 4846260
• Math proficiency: 31% ▼ -6.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $39,510
• Composite: 26.04/100
• National rank: #7304
• State rank: #616 of 826 in TX

Livability — Winters

• Score: 72/100
• State rank: #271
• US rank: #6348

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Winters, TX
• Population (ZIP): 2,924

Population outlook (Runnels County) Hauer SSP2

• Today (2025): 10,754 people
• By 2030: 10,843 · +0.8%
• By 2040: 10,946 · +1.8%
• By 2050: 10,981 · +2.1%
• By 2075: 11,103 · +3.2%
• By 2100: 10,051 · -6.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (55%)
• Race & ethnicity: White 55% Hispanic / Latino 39% Two or more races 24% Black 2%
• Hispanic origin (detail): Mexican 31%
• Common ancestry: Italian 8% Slovak 2% Iranian 1%
• Foreign-born: 5% · Canada
• Languages at home: 73% English-only · Spanish 27%

Political lean MEDSL · Runnels

• 2024 margin: Solid R (+77.1) · D 11.1% · R 88.3%
• 2008→2024 swing: -15.1pp toward R · 2008: -62.0pp · 2024: -77.1pp
• All cycles: 2024: R+77.1 2020: R+73.8 2016: R+74.1 2012: R+70.6 2008: R+62.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.39%
• Current HPI: 143.6466
• 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

+6.2% since first listed

15 events — show timeline

• 2026-05-22 Relisted — NTREIS
• 2026-05-18 Pending — NTREIS
• 2026-04-28 Listed $137,900 NTREIS
• 2026-01-14 Listing Removed — NTREIS
• 2026-01-09 Listed $138,000 NTREIS
• 2025-10-26 Listing Removed — NTREIS
• 2025-10-08 Price Changed $139,900 NTREIS
• 2025-08-26 Listed $149,900 NTREIS
• 2023-06-30 Sold (Public Records) — Public Records
• 2022-11-16 Relisted — SAAR TX
• 2022-11-03 Listed $129,900 SAAR TX
• 2022-07-14 Sold (Public Records) — Public Records
• 2017-03-17 Sold (Public Records) — Public Records
• 2007-11-07 Sold (Public Records) — Public Records
• 2005-04-15 Sold (Public Records) — Public Records

Property tax history

+5.3%/yr

Latest (2025): $2,763 · +15.9% YoY. Source: county tax records.