4734 Holm Oak Rd · Bryan, TX 77845

$351,900

4 bd · 3.0 ba · 2,035 sqft · SingleFamily · 13 Days on market

Built 2026 Good condition Est $338k · at est.

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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 +21.7/30.0
• DSCR +6.9/10.0
• 1% rule +5.7/10.0
• ARV discount +5.6/15.0
• Condition / age +4.0/5.0
• Livability +3.8/5.0
• Rent growth +3.3/5.0
• Schools +2.6/10.0
• Appreciation +0.0/10.0

Listing remarks

Some images shown may be from a previously built Stylecraft home of similar design. Actual options, colors, and selections may vary. Contact us for details! This 4 bedroom, 3 bath home is exactly what you've been looking for. Featuring a secondary bedroom suite, it's the perfect home for a multi-generational family, those looking for a private space for guests, or added privacy for one of your children. With walk-in closets in every bedroom and dual walk-in closets in the primary, you won't run out of storage space. Walk into your open concept living area, where you'll have more than enough room to cuddle up or host all of your friends and family.

Key facts

• 2 garage spots
• Built 2026
• Listed 13 days

Property features AI

Finance

• Financial info: List price $351,900

Exterior

• Parking: 2-car garage (2 total parking spaces)
• Utilities: Has heating; Has cooling
• Home design: Spec new construction — Plan: The 2082; Active listing
• Exterior features: Living area of 2035

Interior

• Bedrooms: 4 bedrooms
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: 3 full bathrooms

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $352k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $542 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $352k).
• Cap rate 8.1% vs local median 4.0% in Bryan — 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 76/100 on livability (#99 in TX, #3,341 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, crime C-, amenities C-.
• Bryan ISD (urban): math 30% / reading 32% proficiency, ranked #608 of 826 in TX (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.1%/yr); 1168 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,211 units permitted in Brazos County in 2024 (768 in 5+ unit buildings).
• At $3,764/mo this rent would consume 51% of the median local household income ($89k/yr) (locally 3329% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
• Brazos County population projected at +55% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 6→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $351,900

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.07% ✓
• Cap rate: 8.14%
• Cash-on-cash: 6.60%
• DSCR: 1.29
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $337,810
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10712 Aston Ct	0.59mi	4/3.0	2,012 (-1%)	1mo	$349,900	$174	70
10707 Aston Ct	0.63mi	4/3.0	2,012 (-1%)	2mo	$329,900	$164	67
4522 Wisenbaker Way	0.62mi	4/3.0	2,012 (-1%)	3mo	$338,900	$168	67
10711 Aston Ct	0.64mi	4/3.0	2,012 (-1%)	2mo	$334,900	$166	67
4412 Albritton Ave	0.66mi	4/3.0	2,012 (-1%)	3mo	$334,900	$166	65
10716 Blocker Ct	0.46mi	4/2.5	2,165 (+6%)	3mo	$336,900	$156	64
4519 Wisenbaker Way	0.62mi	4/3.0	2,120 (+4%)	1mo	$340,900	$161	64
4531 Wisenbaker Way	0.62mi	4/3.0	2,120 (+4%)	2mo	$340,900	$161	63
10603 Scarlet Peak Ct	0.37mi	3/2.0 (-1)	1,897 (-7%)	2mo	$340,000	$179	61
10710 Blocker Ct	0.44mi	4/2.5	1,789 (-12%)	4mo	$294,900	$165	54
10710 Aston Ct	0.59mi	3/2.5 (-1)	2,165 (+6%)	2mo	$349,900	$162	54
4529 Wisenbaker Way	0.62mi	4/2.5	1,789 (-12%)	2mo	$316,805	$177	48

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 · 3.13% rent growth · sell at horizon

5-year hold

• IRR: -6.0%
• Equity multiple: 0.78×
• Total profit: $-21,951
• Equity at exit: $52,469

10-year hold

• IRR: 3.8%
• Equity multiple: 1.28×
• Total profit: $27,596
• Equity at exit: $30,426

Cash invested: $98,532 (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 77845

• Rents YoY: 3.1%
• Active inventory: 1168
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $3,764 medium
• Mortgage (P&I): −$1,845
• Tax est. 1.5%: −$440 /mo · $5,278/yr
• Insurance: −$147
• HOA: −$0
• Vacancy / Maint / Mgmt: −$791
• Net cashflow: $542

Break-even live

Break-even rent $3,078

Max offer price $351,900

Occupancy floor 81%

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: $87,975
• Closing costs: $10,557
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1762 Dakota Ln Unit 1328094P College Station, TX	3.0	3.0	1506	$2,852	$1.89	21d	1	1.26mi
1761 Dakota Ln College Station, TX	3.0	2.5	1598	$2,250	$1.41	21d	1	1.28mi
1416 Crescent Ridge Dr Unit 1328076P College Station, TX	4.0	3.0	1980	$7,187	$3.63	21d	1	1.48mi

Listing history 11 events

1. 2026-06-18
   days on market $351,900 Active 13 DOM
2. 2026-06-17
   days on market $351,900 Active 12 DOM
3. 2026-06-16
   days on market $351,900 Active 11 DOM
4. 2026-06-15
   days on market $351,900 Active 10 DOM
5. 2026-06-14
   days on market $351,900 Active 8 DOM
6. 2026-06-13
   days on market $351,900 Active 7 DOM
7. 2026-06-10
   days on market $351,900 Active 5 DOM
8. 2026-06-09
   days on market $351,900 Active 4 DOM
9. 2026-06-08
   days on market $351,900 Active 3 DOM
10. 2026-06-07
    remarks 655-char remark
11. 2026-06-07
    listed $351,900 Active 2 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 6 d/yr ≥110°F today · 21 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $45,174
• − Mortgage interest: −$19,712
• − Property taxes: −$5,278
• − Insurance: −$1,760
• − Repairs & maintenance: −$3,614
• − Management: −$3,614
• − Depreciation: −$10,237
• Taxable income: $959
• Est. tax owed @ 24.0%: −$230
• After-tax cash flow: $6,274/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.

Condition & rehab AI · 13 photos

Good 80/100 None rehab

This home is in excellent condition with modern updates and a good curb appeal. It's move-in ready and would benefit from a fresh coat of paint on the exterior trim and replacing the carpet in the bedrooms to further enhance its value.

Value-add opportunities

• Resale Paint exterior trim — Enhances curb appeal and can add value
• Both Replace carpet in bedrooms — Carpet can be outdated and is a common upgrade that improves both resale and rental value

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint exterior trim — Enhances curb appeal and can add value ↑
• Both Replace carpet in bedrooms — Carpet can be outdated and is a common upgrade that improves both resale and rental value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Bryan ISD
• NCES district ID: 4811790
• Math proficiency: 30% ▼ -8.00%
• Reading proficiency: 32% ▼ -3.00%
• Median HH income: $41,895
• Composite: 26.26/100
• National rank: #7253
• State rank: #608 of 826 in TX

Livability — Bryan

• Score: 76/100
• State rank: #99
• US rank: #3341

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bryan, TX
• County: Brazos County · 233,400 people
• City population: 101,772
• Metro: College Station-Bryan, TX
• Population (ZIP): 76,764
• Household income: $88,851
• Rent vs Own: 37.2% rent · 62.8% own
• Severe rent burden: 3329.0

Population outlook (Brazos County) Hauer SSP2

• Today (2025): 267,942 people
• By 2030: 296,630 · +10.7%
• By 2040: 354,560 · +32.3%
• By 2050: 414,616 · +54.7%
• By 2075: 562,158 · +109.8%
• By 2100: 678,828 · +153.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 16% Two or more races 9% Asian 8% Black 5%
• Hispanic origin (detail): Mexican 12%
• Common ancestry: Lithuanian 2% Romanian 2% Italian 2%
• Foreign-born: 11% · Canada, China, South Korea
• Languages at home: 83% English-only · Spanish 8% Other Indo-European 3% Chinese 2%

Political lean MEDSL · Brazos

• 2024 margin: Strong R (+24.9) · D 36.9% · R 61.7% · Other 1.4%
• 2008→2024 swing: +4.1pp toward D · 2008: -28.9pp · 2024: -24.9pp
• All cycles: 2024: R+24.9 2020: R+14.3 2016: R+23.7 2012: R+35.3 2008: R+28.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -133.31%
• Current HPI: 175.9669
• Rent YoY: ▲ 3.13%
• Metro: College Station-Bryan, 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