110 Stewart St · Coldspring, TX 77331

$109,609

2 bd · 1.0 ba · 1,200 sqft · SingleFamily public records · 203 Days on market

Built 1992 0.55 ac lot $91/sqft · 58% below area

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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 +9.5/10.0
• ARV discount +7.5/15.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

NICE LOCATION! We just listed this charming 2-bedroom, 1-bath home sits in the heart of Coldspring, offering an ideal blend of small-town living and everyday convenience. Located within the Coldspring-Oakhurst ISD, the property places you just minutes from local shops, schools, and community amenities. Set on a comfortable lot in a quiet neighborhood, this home is perfect for those seeking a refresh opportunity. WE MAKE IT EASY TO OWN. This is a great opportunity! Don't wait, call us today and get more information on the owner's easy terms and smooth process that may be able to put the deed in your name and make this your dream home.

Key facts

• Community amenities
• Heart of coldspring
• Quiet neighborhood

Tags

• HEART OF COLDSPRING
• COLDSPRING-OAKHURST ISD
• LOCAL SHOPS
• COMMUNITY AMENITIES
• QUIET NEIGHBORHOOD

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $516 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $96k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.9% vs local median 4.3% in Coldspring — 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 55/100 on livability (#1,357 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D, schools F, amenities F.
• Coldspring-Oakhurst CISD (rural): math 18% / reading 28% proficiency, ranked #732 of 826 in TX (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 362 active listings in the ZIP; 575 units permitted in San Jacinto County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $758 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• San Jacinto County population projected at +7% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 203 days — a 12% lower offer ($96k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• 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 $96,455 (12.0% below list)

Questions for the listing agent

1. It's been on market 203 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.45% ✓
• Cap rate: 11.94%
• Cash-on-cash: 20.17%
• DSCR: 1.90
• GRM: 5.8

CMA / ARV

• ARV (median comp): $262,497
• List price: $109,609
• Delta: -58.24%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 12.4%
• Equity multiple: 1.49×
• Total profit: $15,106
• Equity at exit: $16,343

10-year hold

• IRR: 21.3%
• Equity multiple: 2.81×
• Total profit: $55,508
• Equity at exit: $9,477

Cash invested: $30,691 (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 77331

• Active inventory: 362
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,587 medium
• Mortgage (P&I): −$575
• Tax from tax record: −$117 /mo · $1,407/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$333
• Net cashflow: $516

Break-even live

Break-even rent $934

Max offer price $109,609

Occupancy floor 62%

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: $27,402
• Closing costs: $3,288
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-19
   days on market $109,609 Active 203 DOM
2. 2026-06-18
   days on market $109,609 Active 202 DOM
3. 2026-06-17
   days on market $109,609 Active 201 DOM
4. 2026-06-16
   days on market $109,609 Active 200 DOM
5. 2026-06-15
   days on market $109,609 Active 199 DOM
6. 2026-06-14
   days on market $109,609 Active 197 DOM
7. 2026-06-13
   days on market $109,609 Active 196 DOM
8. 2026-06-10
   days on market $109,609 Active 194 DOM
9. 2026-06-09
   days on market $109,609 Active 193 DOM
10. 2026-06-08
    days on market $109,609 Active 192 DOM
11. 2026-06-07
    days on market $109,609 Active 191 DOM
12. 2026-06-03
    days on market $109,609 Active 187 DOM
13. 2026-06-02
    days on market $109,609 Active 186 DOM
14. 2026-06-01
    days on market $109,609 Active 185 DOM
15. 2026-05-31
    days on market $109,609 Active 184 DOM
16. 2026-05-30
    days on market $109,609 Active 183 DOM
17. 2025-11-28
    listed $109,609 Active 641-char remark

    Show marketing remark (641 chars)

    NICE LOCATION! We just listed this charming 2-bedroom, 1-bath home sits in the heart of Coldspring, offering an ideal blend of small-town living and everyday convenience. Located within the Coldspring-Oakhurst ISD, the property places you just minutes from local shops, schools, and community amenities. Set on a comfortable lot in a quiet neighborhood, this home is perfect for those seeking a refresh opportunity. WE MAKE IT EASY TO OWN. This is a great opportunity! Don't wait, call us today and get more information on the owner's easy terms and smooth process that may be able to put the deed in your name and make this your dream home.

18. 2004-03-29
    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: $1,407 · $117/mo
• Projected year-2 tax: $2,006 · $167/mo
• Expected delta: +$598/yr (+$50/mo · 42.5%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥111°F today · 24 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 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: $19,042
• − Mortgage interest: −$6,140
• − Property taxes: −$1,407
• − Insurance: −$548
• − Repairs & maintenance: −$1,523
• − Management: −$1,523
• − Depreciation: −$3,189
• Taxable income: $4,712
• Est. tax owed @ 24.0%: −$1,131
• After-tax cash flow: $5,059/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: Coldspring-Oakhurst CISD
• NCES district ID: 4814520
• Math proficiency: 18% ▼ -9.00%
• Reading proficiency: 28% ▼ -2.00%
• Median HH income: $46,916
• Composite: 20.07/100
• National rank: #8653
• State rank: #732 of 826 in TX

Livability — Coldspring

• Score: 55/100
• State rank: #1357
• US rank: #23364

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 7,348

Population outlook (San Jacinto County) Hauer SSP2

• Today (2025): 29,069 people
• By 2030: 29,750 · +2.3%
• By 2040: 30,714 · +5.7%
• By 2050: 31,010 · +6.7%
• By 2075: 31,616 · +8.8%
• By 2100: 29,874 · +2.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Black 13% Two or more races 8% Hispanic / Latino 4%
• Common ancestry: Slovak 3% Italian 2% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 5% Arabic 1%

Political lean MEDSL · San Jacinto

• 2024 margin: Solid R (+65.3) · D 17.0% · R 82.3%
• 2008→2024 swing: -27.0pp toward R · 2008: -38.3pp · 2024: -65.3pp
• All cycles: 2024: R+65.3 2020: R+61.9 2016: R+58.4 2012: R+48.9 2008: R+38.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -146.98%
• Current HPI: 199.0493
• 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

• 2025-11-28 Listed $109,609 HARMLS
• 2004-03-29 Sold (Public Records) — Public Records

Property tax history

+5.2%/yr

Latest (2025): $1,407 · +0.8% YoY. Source: county tax records.