2507 12th St · Galena Park, TX 77547

$135,000

4 bd · 2.0 ba · 1,566 sqft · SingleFamily public records · 14 Days on market

Built 1951 6,041 sqft lot Est $235k · 43% under

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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 +27.1/30.0
• ARV discount +15.0/15.0
• DSCR +9.4/10.0
• 1% rule +8.2/10.0
• Appreciation +7.5/10.0
• Livability +3.4/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Opportunity awaits with this spacious home featuring great bones and plenty of potential. The entry opens to a large living room that flows into the formal dining area. The kitchen and breakfast room are combined into one open space, creating a functional layout. Several updates have been completed over the years, including kitchen cabinets, countertops, and flooring through part of the home. Some improvements are more recent, while others may benefit from updating. At the back of the home is a large den with a sliding glass door overlooking the backyard. This flexible space includes a dry bar area and a closet and could easily be converted into an additional bedroom with minimal modificati

Key facts

• Open space
• Large living room
• Flooring

Tags

• LARGE LIVING ROOM
• FORMAL DINING AREA
• OPEN SPACE
• KITCHEN CABINETS
• COUNTERTOPS
• FLOORING

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Residential property; One-story (entry level: first floor)
• Construction: Brick construction; Built in 1951; Composition roof; Slab foundation
• Exterior features: Subdivision lot

Interior

• Kitchen: Kitchen (10x10); Breakfast nook (10x10)
• Bedrooms: Four possible bedrooms; First-floor bedrooms (three listed at 12x12, 12x12, 16x12)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central gas heating; Central electric air conditioning
• Interior features: Kitchen/dining combo; 7 total rooms

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $381 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Cap rate 9.7% vs local median 4.1% in Galena Park — 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 68/100 on livability (#456 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-.
• Galena Park ISD (suburban): math 32% / reading 33% proficiency, ranked #578 of 826 in TX (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Galena Park El (math 31% / reading 36%, grade F, #2,174 of 4,322 statewide, top 51%, 597 students, 88% FRL); Galena Park Middle (math 28% / reading 31%, grade F, #1,077 of 1,662 statewide, top 66%, 943 students, 88% FRL); Galena Park H S (math 37% / reading 36%, grade F, #924 of 1,632 statewide, top 57%, 1,914 students, 87% FRL).
• Market conditions: 38 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; 29,883 units permitted in Harris County in 2024 (8,621 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($933 loan paydown + $7k appreciation (5.0% local appreciation)).
• Harris County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (5.0% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,000

Questions for the listing agent

1. Built in 1951 — 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 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?
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: 1.32% ✓
• Cap rate: 9.68%
• Cash-on-cash: 12.10%
• DSCR: 1.54
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $234,900
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2503 13th St	0.06mi	4/2.0	1,420 (-9%)	4mo	$221,000	$156	78
416 Calloway St	0.16mi	3/1.0 (-1)	1,584 (+1%)	5mo	$199,900	$126	78
320 Clearwater St	0.23mi	3/2.0 (-1)	1,551 (-1%)	8mo	$240,000	$155	76
320 Delaware St	0.31mi	3/2.5 (-1)	1,540 (-2%)	1mo	$165,000	$107	75
324 Gans St Unit A	0.42mi	3/2.5 (-1)	1,589 (+2%)	3mo	$215,000	$135	68
414 Clinton Park St	0.43mi	3/2.0 (-1)	1,579 (+1%)	8mo	$155,000	$98	67
274 Owens St	0.30mi	3/2.5 (-1)	1,469 (-6%)	8mo	$110,000	$75	62
326 Gans St Unit A	0.42mi	3/2.5 (-1)	1,505 (-4%)	6mo	$225,000	$150	62
328 Gans St	0.41mi	3/2.0 (-1)	1,456 (-7%)	4mo	$275,000	$189	61
1204 Sage Dr	0.05mi	3/1.0 (-1)	1,336 (-15%)	8mo	$160,000	$120	58
9803 Mimbrough St	0.49mi	3/2.0 (-1)	1,380 (-12%)	7mo	$207,000	$150	46
2012 10th St	0.61mi	3/2.0 (-1)	1,395 (-11%)	6mo	$230,000	$165	43

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

Projected returns pro-forma

4.96% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.2%
• Equity multiple: 2.46×
• Total profit: $55,186
• Equity at exit: $76,185

10-year hold

• IRR: 22.7%
• Equity multiple: 4.87×
• Total profit: $146,162
• Equity at exit: $131,224

Cash invested: $37,800 (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 77547

• Home prices YoY: 2.0%
• Active inventory: 38
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,783 high
• Mortgage (P&I): −$708
• Tax from tax record: −$263 /mo · $3,153/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $381

Break-even live

Break-even rent $1,300

Max offer price $135,000

Occupancy floor 74%

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
423 Armstrong St Houston, TX	3.0	2.0	1090	$1,515	$1.39	2d	1	0.28mi
253 N Carolina St Houston, TX	4.0	2.0	1560	$1,600	$1.03	7d	1	0.32mi
205 Bolden St Unit A Houston, TX	3.0	2.0	1200	$2,500	$2.08	43d	1	0.42mi
220 Armstrong St Houston, TX	5.0	2.0	1900	$2,000	$1.05	43d	1	0.42mi
311 Massachusetts St Unit A Houston, TX	3.0	2.0	1184	$1,700	$1.44	12d	1	0.50mi
2216 3rd St Galena Park, TX	3.0	2.0	1500	$1,400	$0.93	43d	1	0.58mi
9821 Turnbow St Unit C Houston, TX	3.0	2.0	1140	$1,720	$1.51	43d	1	0.68mi
9710 Tuffly St Houston, TX	3.0	2.0	1275	$1,795	$1.41	24d	1	1.00mi
9709 Cargill St Houston, TX	3.0	2.0	1184	$2,300	$1.94	43d	1	1.22mi

Listing history 10 events

1. 2026-06-18
   days on market $135,000 Active 14 DOM
2. 2026-06-17
   pricedays on market $135,000 Active 13 DOM
3. 2026-06-16
   days on market $145,000 Active 12 DOM
4. 2026-06-15
   days on market $145,000 Active 11 DOM
5. 2026-06-13
   days on market $145,000 Active 9 DOM
6. 2026-06-13
   days on market $145,000 Active 8 DOM
7. 2026-06-09
   days on market $145,000 Active 5 DOM
8. 2026-06-08
   days on market $145,000 Active 4 DOM
9. 2026-06-07
   remarks 699-char remark
10. 2026-06-07
    listed $145,000 Active 3 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: $3,153 · $263/mo
• Projected year-2 tax: $3,153 · $263/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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,390
• − Mortgage interest: −$7,562
• − Property taxes: −$3,153
• − Insurance: −$675
• − Repairs & maintenance: −$1,711
• − Management: −$1,711
• − Depreciation: −$3,927
• Taxable income: $2,651
• Est. tax owed @ 24.0%: −$636
• After-tax cash flow: $3,939/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: Galena Park ISD
• NCES district ID: 4820250
• Math proficiency: 32% ▼ -20.00%
• Reading proficiency: 33% ▼ -7.00%
• Median HH income: $43,158
• Composite: 27.62/100
• National rank: #6927
• State rank: #578 of 826 in TX

Livability — Galena Park

• Score: 68/100
• State rank: #456
• US rank: #9227

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Galena Park, TX
• City population: 9,380
• Population (ZIP): 9,380

Population outlook (Harris County) Hauer SSP2

• Today (2025): 5,571,493 people
• By 2030: 6,089,821 · +9.3%
• By 2040: 7,142,806 · +28.2%
• By 2050: 8,185,864 · +46.9%
• By 2075: 10,574,329 · +89.8%
• By 2100: 12,109,958 · +117.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (90%)
• Race & ethnicity: Hispanic / Latino 90% Two or more races 46% Black 5% White 4%
• Hispanic origin (detail): Mexican 88%
• Foreign-born: 32% · Canada
• Languages at home: 21% English-only · Spanish 79%

Political lean MEDSL · Harris

• 2024 margin: Lean D (+5.5) · D 52.0% · R 46.4% · Other 1.6%
• 2008→2024 swing: +3.9pp toward D · 2008: 1.6pp · 2024: 5.5pp
• All cycles: 2024: D+5.5 2020: D+13.3 2016: D+12.4 2012: D+0.1 2008: D+1.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.96%
• Current HPI: 252.9899
• 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

2 events — show timeline

• 2026-06-04 Listed $145,000 HARMLS
• 1995-06-11 Sold (Public Records) — Public Records

Property tax history

+1.8%/yr

Latest (2025): $3,153 · +14.7% YoY. Source: county tax records.