125 Mlm Pkwy · Bridgeport, TX 76246

$295,990

4 bd · 2.0 ba · 1,791 sqft · SingleFamily · 44 Days on market

Built 2026 Excellent condition 0.30 ac lot $165/sqft · 6% above area Est $280k · 6% over

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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 +11.9/30.0
• Appreciation +5.0/10.0
• ARV discount +4.9/15.0
• Condition / age +4.8/5.0
• Schools +3.6/10.0
• DSCR +3.5/10.0
• 1% rule +3.4/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0

Listing remarks MLS

Welcome to D.R. Horton's Fabulous new community of Dry Creek in Bridgeport and Bridgeport ISD! The Texas Cali, Elevation-X is a single story, approx 1,791 sq. ft, home offering 4 bedrooms and 2 baths with an estimated Summer completion! This home features a long foyer leading into the main living space. The open kitchen overlooks the combination dining and living area and features spacious quartz countertops, stainless steel appliances with gas cooking range, a large kitchen island and a corner walk-in pantry. With the three secondary bedrooms at the front of the home, the main bedroom is located privately at the back of the home, just off the living room. The private main bedroom features an en-suite bathroom complete with a huge walk in closet and large walk in shower. The Texas Cali comes with a covered rear patio giving view to the professionally irrigated and landscaped yard. Additional features include: tankless water heater; Luxury vinyl flooring at Entry, Hallways (per plan), Kitchen-Breakfast, Utility and Bathrooms; and, full yard sod, landscaping and irrigation. The Texas Cali home includes the America's Smart Home base package. Using one central hub that talks to all the devices in your home, you can control the lights, thermostat and locks, all from your cellular device. Situated conveniently near Highway 380, Dry Creek provides easy access to key roads, making it ideal for commuting and exploring the surrounding areas.

Key facts

• Long foyer
• Large kitchen island
• Gas cooking range

Tags

• LONG FOYER
• OPEN KITCHEN
• SPACIOUS QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• GAS COOKING RANGE
• LARGE KITCHEN ISLAND

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $296k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-74 ($-894/yr) — negative.
• To cash-flow at today's rent, offer at most $285k (3.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $250k (15.7% below list).
• Recommended offer: $250k (15.7% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 3.3% in Bridgeport — 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 (#472 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: health & safety D+, amenities F, commute F.
• Bridgeport ISD (rural): math 41% / reading 41% proficiency, ranked #356 of 826 in TX (top 43%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Bridgeport El (523 students, 70% FRL); Bridgeport Middle (math 49% / reading 42%, grade D+, #470 of 1,662 statewide, top 29%, 455 students, 58% FRL); Bridgeport H S (math 42% / reading 47%, grade F, #652 of 1,632 statewide, top 43%, 633 students, 56% FRL).
• Market conditions: 11 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 460 units permitted in Wise County in 2024 (243 in 5+ unit buildings).

Forward outlook

• In year one you build about $11k of equity ($2k loan paydown + $9k appreciation (3.0% local appreciation)).
• Wise County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $83k cash investment doubles in ~7 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 44 days — a 3% lower offer ($287k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $249,500 (15.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
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. 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?
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: 0.84% ✗
• Cap rate: 5.99%
• Cash-on-cash: -1.08%
• DSCR: 0.95
• GRM: 9.9

CMA / ARV

• ARV (median comp): $279,990
• List price: $295,990
• Delta: 5.71%
• Verdict: FAIR
• Comps: 10 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
272 Rainwater Ln	0.00mi	4/2.0	1,791 (0%)	1mo	$279,990	$156	99
275 Rainwater Ln	0.07mi	4/2.0	1,791 (0%)	2mo	$288,765	$161	95
271 Rainwater Ln	0.00mi	4/2.0	1,608 (-10%)	0mo	$279,990	$174	83
239 Rainwater Ln	0.07mi	4/2.0	1,608 (-10%)	1mo	$280,990	$175	79
280 Rainwater Ln	0.07mi	4/2.0	1,608 (-10%)	2mo	$267,990	$167	78
255 Rainwater Ln	0.00mi	3/2.0 (-1)	2,026 (+13%)	1mo	$274,760	$136	72
251 Rainwater Ln	0.00mi	3/2.0 (-1)	2,026 (+13%)	3mo	$259,990	$128	71

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.5%
• Equity multiple: 1.37×
• Total profit: $30,951
• Equity at exit: $133,090

10-year hold

• IRR: 9.4%
• Equity multiple: 2.41×
• Total profit: $116,927
• Equity at exit: $205,107

Cash invested: $82,877 (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 76246

• Active inventory: 11
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,495 medium
• Mortgage (P&I): −$1,552
• Tax est. 1.5%: −$370 /mo · $4,440/yr
• Insurance: −$123
• HOA: −$0
• Vacancy / Maint / Mgmt: −$524
• Net cashflow: $-74

Break-even live

Break-even rent $2,589

Max offer price $285,214

Occupancy floor 98%

Sensitivity live

Price	-10% $130	-5% $28	+0% $-74	+5% $-177	+10% $-279
Rent	-10% $-272	-5% $-173	+0% $-74	+5% $24	+10% $123
Rate	-1.0pp $75	-0.5pp $1	base $-74	+0.5pp $-151	+1.0pp $-229

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: $73,998
• Closing costs: $8,880
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
512 Barham Ln Unit Home Bridgeport, TX	4.0	2.0	2400	$2,495	$1.04	0d	1	0.75mi

Listing history 3 events

1. 2026-05-06
   status Pending 1457-char remark

   Show marketing remark (1457 chars)

   Welcome to D.R. Horton's Fabulous new community of Dry Creek in Bridgeport and Bridgeport ISD! The Texas Cali, Elevation-X is a single story, approx 1,791 sq. ft, home offering 4 bedrooms and 2 baths with an estimated Summer completion! This home features a long foyer leading into the main living space. The open kitchen overlooks the combination dining and living area and features spacious quartz countertops, stainless steel appliances with gas cooking range, a large kitchen island and a corner walk-in pantry. With the three secondary bedrooms at the front of the home, the main bedroom is located privately at the back of the home, just off the living room. The private main bedroom features an en-suite bathroom complete with a huge walk in closet and large walk in shower. The Texas Cali comes with a covered rear patio giving view to the professionally irrigated and landscaped yard. Additional features include: tankless water heater; Luxury vinyl flooring at Entry, Hallways (per plan), Kitchen-Breakfast, Utility and Bathrooms; and, full yard sod, landscaping and irrigation. The Texas Cali home includes the America's Smart Home base package. Using one central hub that talks to all the devices in your home, you can control the lights, thermostat and locks, all from your cellular device. Situated conveniently near Highway 380, Dry Creek provides easy access to key roads, making it ideal for commuting and exploring the surrounding areas.

2. 2026-04-14
   price $295,990 1457-char remark

   Show marketing remark (1457 chars)

   Welcome to D.R. Horton's Fabulous new community of Dry Creek in Bridgeport and Bridgeport ISD! The Texas Cali, Elevation-X is a single story, approx 1,791 sq. ft, home offering 4 bedrooms and 2 baths with an estimated Summer completion! This home features a long foyer leading into the main living space. The open kitchen overlooks the combination dining and living area and features spacious quartz countertops, stainless steel appliances with gas cooking range, a large kitchen island and a corner walk-in pantry. With the three secondary bedrooms at the front of the home, the main bedroom is located privately at the back of the home, just off the living room. The private main bedroom features an en-suite bathroom complete with a huge walk in closet and large walk in shower. The Texas Cali comes with a covered rear patio giving view to the professionally irrigated and landscaped yard. Additional features include: tankless water heater; Luxury vinyl flooring at Entry, Hallways (per plan), Kitchen-Breakfast, Utility and Bathrooms; and, full yard sod, landscaping and irrigation. The Texas Cali home includes the America's Smart Home base package. Using one central hub that talks to all the devices in your home, you can control the lights, thermostat and locks, all from your cellular device. Situated conveniently near Highway 380, Dry Creek provides easy access to key roads, making it ideal for commuting and exploring the surrounding areas.

3. 2026-03-23
   listed $292,990 Active 1457-char remark

   Show marketing remark (1457 chars)

   Welcome to D.R. Horton's Fabulous new community of Dry Creek in Bridgeport and Bridgeport ISD! The Texas Cali, Elevation-X is a single story, approx 1,791 sq. ft, home offering 4 bedrooms and 2 baths with an estimated Summer completion! This home features a long foyer leading into the main living space. The open kitchen overlooks the combination dining and living area and features spacious quartz countertops, stainless steel appliances with gas cooking range, a large kitchen island and a corner walk-in pantry. With the three secondary bedrooms at the front of the home, the main bedroom is located privately at the back of the home, just off the living room. The private main bedroom features an en-suite bathroom complete with a huge walk in closet and large walk in shower. The Texas Cali comes with a covered rear patio giving view to the professionally irrigated and landscaped yard. Additional features include: tankless water heater; Luxury vinyl flooring at Entry, Hallways (per plan), Kitchen-Breakfast, Utility and Bathrooms; and, full yard sod, landscaping and irrigation. The Texas Cali home includes the America's Smart Home base package. Using one central hub that talks to all the devices in your home, you can control the lights, thermostat and locks, all from your cellular device. Situated conveniently near Highway 380, Dry Creek provides easy access to key roads, making it ideal for commuting and exploring the surrounding areas.

ⓘ 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 7/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥111°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 24% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,940
• − Mortgage interest: −$16,580
• − Property taxes: −$4,440
• − Insurance: −$1,480
• − Repairs & maintenance: −$2,395
• − Management: −$2,395
• − Depreciation: −$8,611
• Taxable loss: −$5,961
• Est. tax savings @ 24.0%: +$1,431
• After-tax cash flow: $537/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 · 6 photos

Excellent 95/100 None rehab

This single-family home in Bridgeport, TX, is in excellent condition with a modern kitchen and well-maintained exterior. It offers a good investment opportunity with potential for value enhancement through landscaping and interior updates.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhanced landscaping can improve both the resale and rental value.
• Both Painting interior walls — Fresh paint can make the home more appealing and increase its value.
• Both Landscaping and curb appeal improvements — Enhanced landscaping can improve both the resale and rental value.

Renovation cost estimate screening

Value-add ROI direction

• Both Landscaping and curb appeal improvements — Enhanced landscaping can improve both the resale and rental value. ↑
• Both Painting interior walls — Fresh paint can make the home more appealing and increase its value. ↑
• Both Landscaping and curb appeal improvements — Enhanced landscaping can improve both the 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: Bridgeport ISD
• NCES district ID: 4811340
• Math proficiency: 41% ▼ -4.00%
• Reading proficiency: 41% ▲ 3.00%
• Median HH income: $51,866
• Composite: 35.51/100
• National rank: #4913
• State rank: #356 of 826 in TX

Livability — Bridgeport

• Score: 68/100
• State rank: #472
• US rank: #9507

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

No demographic data for this ZIP.

Market trends

• HPI YoY: —
• Current HPI: —
• 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

+1.0% since first listed

3 events — show timeline

• 2026-05-06 Pending — NTREIS
• 2026-04-14 Price Changed $295,990 NTREIS
• 2026-03-23 Listed $292,990 NTREIS