403 S 7th St · Copperas Cove, TX 76522

$110,000

3 bd · 1.0 ba · 910 sqft · SingleFamily public records · 16 Days on market

Built 1976 6,111 sqft lot Est $127k · 14% under

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Why this score? — see what drove the D+ 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 +14.2/30.0
• ARV discount +13.6/15.0
• DSCR +4.3/10.0
• 1% rule +4.0/10.0
• 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

3 Bedroom, 1 Bathroom Single-Family Home in Copperas Cove Don't miss this opportunity to own a charming 3-bedroom, 1-bathroom single-family home in Copperas Cove! Whether you're a first-time homebuyer looking for the perfect starter home or an investor seeking a great addition to your portfolio, this property offers excellent potential. Conveniently located near restaurants, shopping, and the local high school, you'll enjoy easy access to everyday essentials and amenities. With its desirable location and affordability, this home is one you won't want to pass up. Schedule your tour today and see all this property has to offer!

Key facts

• Local high school
• Near shopping
• Near restaurants

Tags

• NEAR RESTAURANTS
• NEAR SHOPPING
• LOCAL HIGH SCHOOL

Property features AI

Exterior

• Utilities: Public water; Public sewer; Public trash collection
• Home design: Single-story home; Brick veneer exterior; Pillar/post/pier foundation; Resale property
• Construction: Built (year source: assessor); Composition/shingle roof
• Exterior features: Picket fencing; City lot, less than quarter acre; City street frontage

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: Three bedrooms on the main level
• Flooring: Carpet; Vinyl
• Bathrooms: One full bathroom
• Heating & cooling: Electric heating; Natural gas heating; One cooling unit
• Interior features: Ceiling fans; Tub with shower
• Laundry & utility: Laundry in kitchen; Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $17 ($207/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 $99k (9.8% below list).
• Recommended offer: $99k (9.8% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 3.5% 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: employment D+, amenities F, commute 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.
• Zoned schools: Fairview/Miss Jewell El (math 39% / reading 42%, grade F, #1,490 of 4,322 statewide, top 35%, 500 students, 77% FRL); Copperas Cove J H (math 43% / reading 42%, grade D-, #553 of 1,662 statewide, top 34%, 924 students, 63% FRL); Copperas Cove H S (math 29% / reading 42%, grade F, #941 of 1,632 statewide, top 58%, 2,277 students, 52% FRL) — zoned schools average 64% FRL vs 41% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.2%/yr); 610 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% of comp listings sitting > 30 days — soft ceiling on asking rent; 386 units permitted in Coryell County in 2024 (0 in 5+ unit buildings).
• This rent is only 16% of the median local income ($72k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($108k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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

• Climate carrying-cost: major wind risk, 48% 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 $99,255 (9.8% below list)

Questions for the listing agent

1. Built in 1976 — 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. 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?
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: 0.90% ✗
• Cap rate: 6.48%
• Cash-on-cash: 0.67%
• DSCR: 1.03
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $127,400
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
401 Veterans Ave	0.39mi	2/1.0 (-1)	912 (+0%)	2mo	$98,000	$107	74
704 W Ave E	0.17mi	3/1.0	884 (-3%)	18mo	$135,000	$153	72
803 Sandy Ct	0.33mi	2/1.0 (-1)	936 (+3%)	5mo	$60,000	$64	71
102 E Robertson Ave	0.42mi	3/1.0	1,008 (+11%)	1mo	$157,500	$156	62
501 Hill St	0.52mi	2/1.0 (-1)	944 (+4%)	7mo	$120,000	$127	59
207 & 203 S 4th St	0.48mi	2/1.5 (-1)	928 (+2%)	13mo	$99,000	$107	56
506 Veterans Ave	0.45mi	3/1.0	1,034 (+14%)	3mo	$150,000	$145	54
714 Mickan St	0.64mi	3/1.0	1,008 (+11%)	1mo	$97,800	$97	51
1005 S 25th St	0.67mi	3/1.0	989 (+9%)	7mo	$138,000	$140	49
1106 S 15th St	0.59mi	3/1.5	1,032 (+13%)	1mo	$160,882	$156	47
1109 S 13th St	0.59mi	3/1.0	840 (-8%)	15mo	$136,500	$163	47
1102 S 3rd St	0.52mi	3/2.0	1,039 (+14%)	2mo	$115,000	$111	46

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: -18.7%
• Equity multiple: 0.36×
• Total profit: $-19,616
• Equity at exit: $16,401

10-year hold

• IRR: -18.8%
• Equity multiple: 0.13×
• Total profit: $-26,830
• Equity at exit: $9,511

Cash invested: $30,800 (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 76522

• Home prices YoY: -22.4%
• Rents YoY: -0.2%
• Active inventory: 610
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $993 high
• Mortgage (P&I): −$577
• Tax from tax record: −$144 /mo · $1,730/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$208
• Net cashflow: $17

Break-even live

Break-even rent $971

Max offer price $110,000

Occupancy floor 93%

Sensitivity live

Price	-10% $80	-5% $48	+0% $17	+5% $-14	+10% $-45
Rent	-10% $-61	-5% $-22	+0% $17	+5% $56	+10% $96
Rate	-1.0pp $73	-0.5pp $45	base $17	+0.5pp $-11	+1.0pp $-40

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
403 S 7th St Copperas Cove, TX	3.0	1.0	910	$1,100	$1.21	45d	1	0.04mi
402 Mary St Apt 204 Copperas Cove, TX	2.0	1.0	850	$725	$0.85	45d	1	0.09mi
604 S 11th St Copperas Cove, TX	3.0	2.0	1119	$1,300	$1.16	45d	1	0.16mi
204 West Avenue F Unit A Copperas Cove, TX	2.0	1.0	895	$725	$0.81	45d	1	0.17mi
204 West Avenue F Unit B Copperas Cove, TX	2.0	1.0	895	$705	$0.79	45d	1	0.18mi
101 Meggs St Unit F Copperas Cove, TX	2.0	1.0	725	$695	$0.96	45d	1	0.25mi
208 Veterans Ave Unit 106 Copperas Cove, TX	2.0	1.0	829	$650	$0.78	25d	1	0.29mi
808 Mary St Copperas Cove, TX	3.0	1.0	1028	$1,300	$1.26	45d	1	0.30mi
904 Mary St Copperas Cove, TX	3.0	2.0	1041	$1,052	$1.01	45d	1	0.34mi
410 Veterans Ave Unit 5 Copperas Cove, TX	2.0	1.0	800	$750	$0.94	45d	1	0.38mi
1004 S 3rd St Copperas Cove, TX	3.0	1.0	940	$950	$1.01	25d	1	0.43mi
915 S 15th St Copperas Cove, TX	3.0	2.0	1008	$850	$0.84	15d	1	0.43mi
310 W Washington Ave Unit A Copperas Cove, TX	2.0	1.0	661	$700	$1.06	45d	1	0.45mi
1010 Georgetown Rd Copperas Cove, TX	3.0	1.0	1018	$995	$0.98	45d	1	0.45mi
1008 S 9th St Unit B Copperas Cove, TX	2.0	1.0	796	$700	$0.88	45d	1	0.46mi
722 West Avenue B Unit B Copperas Cove, TX	2.0	1.0	620	$1,000	$1.61	45d	1	0.46mi
102 East Avenue A Apt 7 Copperas Cove, TX	2.0	1.0	560	$585	$1.04	15d	1	0.47mi
102 East Avenue A Apt 7 Copperas Cove, TX	2.0	1.0	560	$585	$1.04	25d	1	0.47mi
1012 Georgetown Rd Copperas Cove, TX	2.0	1.0	690	$800	$1.16	45d	1	0.47mi
909 S 17th St Unit 907 Copperas Cove, TX	2.0	1.0	600	$875	$1.46	45d	1	0.48mi
401 W Lincoln Ave Unit 2 Copperas Cove, TX	2.0	1.0	740	$850	$1.15	25d	1	0.48mi
304 Carpenter St Unit 7 Copperas Cove, TX	2.0	1.0	850	$775	$0.91	25d	1	0.50mi
304 Carpenter St Unit 1 Copperas Cove, TX	2.0	1.0	850	$775	$0.91	45d	1	0.50mi
505 Hackberry St Unit 18 Copperas Cove, TX	2.0	1.0	750	$675	$0.90	15d	1	0.55mi
505 Hackberry St Unit 25 Copperas Cove, TX	2.0	1.0	758	$675	$0.89	45d	1	0.55mi
1202 S 3rd St Copperas Cove, TX	3.0	2.0	1056	$1,175	$1.11	45d	1	0.57mi
401 N 4th St Apt E Copperas Cove, TX	2.0	1.0	750	$700	$0.93	25d	1	0.57mi
102 E Truman Ave Copperas Cove, TX	2.0	1.0	854	$725	$0.85	45d	1	0.58mi
507 Hackberry St Unit 32 Copperas Cove, TX	2.0	1.0	570	$650	$1.14	25d	1	0.58mi
402 Hill St Unit A Copperas Cove, TX	2.0	1.0	800	$750	$0.94	45d	1	0.58mi
604 N Main St Apt C Copperas Cove, TX	2.0	1.5	1000	$750	$0.75	45d	1	0.61mi
604 N Main St Apt D Copperas Cove, TX	3.0	1.5	1100	$900	$0.82	45d	1	0.61mi
204 W Truman Ave Unit D Copperas Cove, TX	2.0	1.0	895	$800	$0.89	45d	1	0.62mi
204 South Dr Unit A Copperas Cove, TX	2.0	1.0	895	$999	$1.12	45d	1	0.69mi
606 Westview Cir Unit B Copperas Cove, TX	2.0	1.0	715	$700	$0.98	23d	1	0.70mi
606 Westview Cir Unit B Copperas Cove, TX	2.0	1.0	715	$700	$0.98	45d	1	0.70mi
307 Sunset Ln Unit 4 Copperas Cove, TX	2.0	1.0	754	$700	$0.93	15d	1	0.71mi
1208 S 19th St Copperas Cove, TX	3.0	1.5	1010	$1,525	$1.51	25d	1	0.71mi
307 Sunset Ln Unit 6 Copperas Cove, TX	2.0	1.0	800	$650	$0.81	45d	1	0.72mi
401 Sunset Ln Unit A Copperas Cove, TX	2.0	1.0	690	$795	$1.15	45d	1	0.72mi

Listing history 12 events

1. 2026-06-21
   days on market $110,000 Active 16 DOM
2. 2026-06-18
   days on market $110,000 Active 13 DOM
3. 2026-06-17
   days on market $110,000 Active 12 DOM
4. 2026-06-16
   days on market $110,000 Active 11 DOM
5. 2026-06-15
   days on market $110,000 Active 10 DOM
6. 2026-06-14
   days on market $110,000 Active 8 DOM
7. 2026-06-13
   days on market $110,000 Active 7 DOM
8. 2026-06-10
   days on market $110,000 Active 5 DOM
9. 2026-06-09
   days on market $110,000 Active 4 DOM
10. 2026-06-08
    days on market $110,000 Active 3 DOM
11. 2026-06-07
    remarks 636-char remark
12. 2026-06-07
    listed $110,000 Active 2 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: $1,730 · $144/mo
• Projected year-2 tax: $2,013 · $168/mo
• Expected delta: +$283/yr (+$24/mo · 16.3%)

ⓘ 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 7 d/yr ≥106°F today · 23 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 48% 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: $11,911
• − Mortgage interest: −$6,162
• − Property taxes: −$1,730
• − Insurance: −$550
• − Repairs & maintenance: −$953
• − Management: −$953
• − Depreciation: −$3,200
• Taxable loss: −$1,637
• Est. tax savings @ 24.0%: +$393
• After-tax cash flow: $600/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

+9900.0% since first listed

6 events — show timeline

• 2026-06-05 Listed $110,000 CTXMLS
• 2026-04-05 Listed for Rent $1,100 BUILDIUM
• 2026-03-29 Rental Removed $1,100 BUILDIUM
• 2025-11-27 Listed for Rent $1,100 BUILDIUM
• 2019-03-13 Sold (Public Records) — Public Records
• 2004-04-23 Sold (Public Records) — Public Records

Property tax history

+6.2%/yr

Latest (2025): $1,730 · +0.7% YoY. Source: county tax records.