1123 W Morgan St · Denison, TX
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 6/10 · Moderate
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 19.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
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 +9.5/30.0
- ARV discount +9.3/15.0
- Schools +3.7/10.0
- Livability +3.7/5.0
- 1% rule +3.4/10.0
- DSCR +2.7/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$144,999
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Major Price improvement Schedule today Completely renovated and move-in ready, this stunning home has a thoughtfully updated living space on a large, deep lot in a highly desirable Denison location. This home has been extensively upgraded from top to bottom. Major system improvements include dual-pane windows, upgraded insulation in the walls and attic, a full electrical panel replacement, and a complete whole-house rewire. All water lines have been replaced, along with a brand-new sewer line extending from beneath the home to the city connection. The HVAC system and water heater have also been replaced, providing efficiency, reliability, and true peace of mind. Inside, you’ll find brand-new luxury vinyl plank flooring throughout — a high-end, wood-look material that is both durable and waterproof — freshly installed in January. The interior and exterior feature fresh paint, complemented by new baseboards for a clean, modern finish. Designer light fixtures elevate the space, and both bedrooms include ceiling fans for added comfort and functionality. The kitchen showcases solid wood cabinetry, quartz countertops, stainless steel appliances (dishwasher, microwave, oven range, and disposal), designer-selected backsplash, and updated hardware — creating a space that feels both timeless and elevated. Blending the character and charm of an older home with the feel of new construction, this property offers the best of both worlds. Enjoy mornings on the inviting front porch and the convenience of a private driveway. The deep lot provides flexibility and outdoor potential rarely found at this price point. Located just minutes from downtown Denison, with convenient access to schools and local amenities, this home sits in one of the area’s most sought-after neighborhoods. With Denison experiencing strong growth and development, now is the perfect time to invest and enjoy homeownership in style.
Key facts
- Dual-pane windows
- Replaced hvac system
- Replaced water lines
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.5-bath single-family listed at $145k.
Deal economics
- At list price, monthly cash flow is $-101 ($-1k/yr) — negative.
- To cash-flow at today's rent, offer at most $127k (12.3% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $122k (15.6% below list).
- Recommended offer: $122k (15.6% below list) — sets the bar for 1% rule.
- Cap rate 5.5% vs local median 3.9% in Denison — 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 73/100 on livability (#221 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: health & safety D+, amenities F, commute F.
- Denison ISD (urban): math 43% / reading 44% proficiency, ranked #315 of 826 in TX (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Houston El (math 47% / reading 42%, grade F, #1,155 of 4,322 statewide, top 29%, 286 students, 74% FRL); Henry Scott Middle (math 36% / reading 48%, grade D-, #572 of 1,662 statewide, top 36%, 749 students, 66% FRL); Denison H S (math 53% / reading 53%, grade C-, #437 of 1,632 statewide, top 27%, 1,310 students, 58% FRL).
- Market conditions: Rents flat; 492 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); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,272 units permitted in Grayson County in 2024 (750 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Grayson County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- It's been on market 123 days — a 12% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 5y ago; this cycle's ask is 9567% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
Risks & watch-outs
- Watch-outs: built in 1928 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 123 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
- Built in 1928 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 5.46%
- Cash-on-cash
- -2.99%
- DSCR
- 0.87
- GRM
- 9.9
CMA / ARV
- ARV (median comp)
- $151,174
- List price
- $144,999
- Delta
- -4.08%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1131 W Shepherd St | 0.15mi | 3/1.0 (+1) | 960 (-2%) | 2mo | $74,900 | $78 | 81 |
| 1221 W Crawford St | 0.16mi | 3/1.0 (+1) | 1,032 (+5%) | 4mo | $145,000 | $141 | 73 |
| 1220 W Main St | 0.25mi | 3/1.5 (+1) | 996 (+2%) | 12mo | $175,000 | $176 | 71 |
| 1127 W Chestnut St | 0.20mi | 2/1.0 | 1,016 (+4%) | 16mo | $140,000 | $138 | 69 |
| 815 W Hull St | 0.46mi | 2/1.0 | 966 (-1%) | 10mo | $140,000 | $145 | 66 |
| 1001 W Nelson St | 0.16mi | 2/1.0 | 890 (-9%) | 14mo | $165,000 | $185 | 64 |
| 108 N Eddy Ave | 0.30mi | 1/1.0 (-1) | 882 (-10%) | 4mo | $139,900 | $159 | 59 |
| 107 S French Ave | 0.54mi | 2/1.0 | 900 (-8%) | 3mo | $150,000 | $167 | 57 |
| 1428 W Sears St | 0.53mi | 2/1.0 | 1,015 (+4%) | 13mo | $189,000 | $186 | 56 |
| 607 W Sears St | 0.68mi | 2/1.0 | 1,033 (+5%) | 6mo | $164,900 | $160 | 52 |
| 1417 W Main St | 0.37mi | 2/1.0 | 1,120 (+14%) | 16mo | $78,500 | $70 | 43 |
| 930 W Texas St | 0.50mi | 2/1.0 | 1,120 (+14%) | 11mo | $85,000 | $76 | 41 |
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 · 0.05% rent growth · sell at horizon
- IRR
- -24.8%
- Equity multiple
- 0.18×
- Total profit
- $-33,408
- Equity at exit
- $21,620
- IRR
- -34.0%
- Equity multiple
- -0.25×
- Total profit
- $-50,798
- Equity at exit
- $12,537
Cash invested: $40,600 (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
ZIP-level market 75020
- Rents YoY
- 0.1%
- Active inventory
- 492
- Price-to-rent
- 9.9×
Monthly cashflow live
- Estimated rent
- $1,224 high interval (Pro) →
- Mortgage (P&I)
- −$760
- Tax from tax record
- −$247 /mo · $2,966/yr
- Insurance
- −$60
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$257
- Net cashflow
- $-101
Break-even live
Sensitivity live
| Price | -10% $-19 | -5% $-60 | +0% $-101 | +5% $-142 | +10% $-183 |
|---|---|---|---|---|---|
| Rent | -10% $-198 | -5% $-149 | +0% $-101 | +5% $-53 | +10% $-4 |
| Rate | -1.0pp $-28 | -0.5pp $-64 | base $-101 | +0.5pp $-139 | +1.0pp $-177 |
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
- $36,250
- Closing costs
- $4,350
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1120 W Owing St Denison, TX | 3.0 | 2.0 | 1090 | $1,225 | $1.12 | 23d | 1 | 0.05mi |
| 817 W Owing St Denison, TX | 1.0 | 1.0 | 700 | $800 | $1.14 | 23d | 1 | 0.29mi |
| 820 W Crawford St Denison, TX | 2.0 | 1.0 | 996 | $1,250 | $1.26 | 23d | 1 | 0.29mi |
| 108 N Eddy Ave Denison, TX | 1.0 | 1.0 | 882 | $1,100 | $1.25 | 45d | 1 | 0.31mi |
| 1016 W Gandy St #4 Denison, TX | 2.0 | 1.5 | 1000 | $1,100 | $1.10 | 45d | 1 | 0.40mi |
| 1011 S Perry Ave Denison, TX | 2.0 | 2.0 | 1079 | $1,350 | $1.25 | 45d | 1 | 0.42mi |
| 310 S Barrett Ave #101 Denison, TX | 1.0 | 1.0 | 627 | $775 | $1.24 | 23d | 1 | 0.44mi |
| 626 W Crawford St Unit 101 Denison, TX | 2.0 | 2.0 | 950 | $950 | $1.00 | 23d | 1 | 0.45mi |
| 610 W Owing St Denison, TX | 3.0 | 2.0 | 1108 | $1,395 | $1.26 | 45d | 1 | 0.48mi |
| 912 S Armstrong st. / 731 W. Hull AVE Denison, TX | 2.0 | 1.0 | 580 | $849 | $1.46 | 23d | 1 | 0.49mi |
| 410 S Mirick Ave Denison, TX | 3.0 | 2.0 | 1100 | $1,300 | $1.18 | 45d | 1 | 0.52mi |
| 701 W Hull St Denison, TX | 2.0 | 1.0 | 637 | $1,100 | $1.73 | 45d | 1 | 0.53mi |
| 818 W Texas St Denison, TX | 3.0 | 1.0 | 720 | $1,100 | $1.53 | 23d | 1 | 0.53mi |
| 526 W Munson St Unit 2 Denison, TX | 2.0 | 1.0 | 778 | $999 | $1.28 | 45d | 1 | 0.61mi |
| 526 W Munson St Denison, TX | 2.0 | 1.0 | 778 | $849 | $1.09 | 23d | 2 | 0.61mi |
| 621 W Gandy St Denison, TX | 1.0 | 1.0 | 550 | $1,075 | $1.95 | 45d | 1 | 0.62mi |
| 617 W Gandy St Unit 3 Denison, TX | 2.0 | 2.0 | 750 | $1,200 | $1.60 | 45d | 1 | 0.62mi |
| 617 W Gandy St Unit 2 Denison, TX | 1.0 | 1.0 | 600 | $799 | $1.33 | 45d | 1 | 0.62mi |
| 412 W Day St Denison, TX | 2.0 | 1.0 | 900 | $1,200 | $1.33 | 23d | 1 | 0.68mi |
| 404 W Day St Denison, TX | 3.0 | 2.0 | 1057 | $1,500 | $1.42 | 23d | 1 | 0.70mi |
| 317 W Main St #203 Denison, TX | 1.0 | 1.0 | 1000 | $1,600 | $1.60 | 45d | 1 | 0.78mi |
| 317 W Main St Unit 202 Denison, TX | 1.0 | 1.0 | 1000 | $1,700 | $1.70 | 45d | 1 | 0.78mi |
| 224 W Hull St Unit B Denison, TX | 1.0 | 1.0 | 743 | $999 | $1.34 | 45d | 1 | 0.89mi |
| 224 W Hull St Unit A Denison, TX | 2.0 | 1.0 | 743 | $1,250 | $1.68 | 45d | 1 | 0.89mi |
| 740 W Bullock St Denison, TX | 2.0 | 1.0 | 1000 | $1,250 | $1.25 | 23d | 1 | 0.93mi |
| 1905 W Morton St #20 Denison, TX | 2.0 | 1.5 | 1008 | $1,250 | $1.24 | 45d | 1 | 0.94mi |
| 1703 W Elm St Denison, TX | 2.0 | 1.0 | 800 | $875 | $1.09 | 23d | 1 | 0.99mi |
| 1701 W Elm St Denison, TX | 2.0 | 1.0 | 800 | $900 | $1.12 | 23d | 1 | 1.00mi |
| 105 E Hull St Denison, TX | 1.0 | 1.0 | 700 | $1,200 | $1.71 | 45d | 1 | 1.04mi |
| 1527 S Austin Ave Denison, TX | 1.0–2.0 | 1.0–1.5 | 850 | $999 | $1.18 | 23d | 2 | 1.10mi |
| 120 E Monterey St Unit 120 Denison, TX | 2.0 | 1.0 | 800 | $900 | $1.12 | 46d | 1 | 1.13mi |
| 105 E Bond St Denison, TX | 2.0 | 1.0 | 825 | $950 | $1.15 | 45d | 1 | 1.17mi |
| 108 W Acheson St Denison, TX | 3.0 | 2.0 | 1056 | $1,550 | $1.47 | 45d | 1 | 1.18mi |
| 214 E Acheson St Denison, TX | 2.0 | 1.0 | 963 | $1,499 | $1.56 | 46d | 1 | 1.30mi |
| 1021 Rice St Unit 102 Denison, TX | 2.0 | 2.0 | 1013 | $1,125 | $1.11 | 45d | 1 | 1.39mi |
| 615 W Coffin St Denison, TX | 2.0 | 1.0 | 800 | $1,250 | $1.56 | 23d | 1 | 1.40mi |
| 520 E Day St Denison, TX | 3.0 | 1.0 | 1072 | $1,225 | $1.14 | 23d | 1 | 1.41mi |
| 1829 Ridgewood Rd Denison, TX | 3.0 | 1.0 | 1040 | $1,100 | $1.06 | 45d | 1 | 1.42mi |
| 2400 S Barrett Ave Denison, TX | 3.0 | 2.0 | 1090 | $1,349 | $1.24 | 45d | 1 | 1.42mi |
| 505 E Heron St Denison, TX | 2.0 | 1.0 | 1096 | $1,250 | $1.14 | 45d | 1 | 1.46mi |
Listing history 31 events
-
2026-06-22days on market $144,999 Active 123 DOM
-
2026-06-19days on market $144,999 Active 121 DOM
-
2026-06-18days on market $144,999 Active 120 DOM
-
2026-06-17days on market $144,999 Active 119 DOM
-
2026-06-16days on market $144,999 Active 118 DOM
-
2026-06-15days on market $144,999 Active 117 DOM
-
2026-06-14days on market $144,999 Active 115 DOM
-
2026-06-13days on market $144,999 Active 114 DOM
-
2026-06-10days on market $144,999 Active 112 DOM
-
2026-06-09days on market $144,999 Active 111 DOM
-
2026-06-08days on market $144,999 Active 110 DOM
-
2026-06-07days on market $144,999 Active 109 DOM
-
2026-06-05days on market $144,999 Active 106 DOM
-
2026-06-03days on market $144,999 Active 105 DOM
-
2026-06-02days on market $144,999 Active 104 DOM
-
2026-06-01days on market $144,999 Active 103 DOM
-
2026-05-31days on market $144,999 Active 102 DOM
-
2026-05-30days on market $144,999 Active 101 DOM
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2026-04-22price $144,999 1966-char remark
Show marketing remark (1966 chars)
Major Price improvement Schedule today Completely renovated and move-in ready, this stunning home has a thoughtfully updated living space on a large, deep lot in a highly desirable Denison location. This home has been extensively upgraded from top to bottom. Major system improvements include dual-pane windows, upgraded insulation in the walls and attic, a full electrical panel replacement, and a complete whole-house rewire. All water lines have been replaced, along with a brand-new sewer line extending from beneath the home to the city connection. The HVAC system and water heater have also been replaced, providing efficiency, reliability, and true peace of mind. Inside, you’ll find brand-new luxury vinyl plank flooring throughout — a high-end, wood-look material that is both durable and waterproof — freshly installed in January. The interior and exterior feature fresh paint, complemented by new baseboards for a clean, modern finish. Designer light fixtures elevate the space, and both bedrooms include ceiling fans for added comfort and functionality. The kitchen showcases solid wood cabinetry, quartz countertops, stainless steel appliances (dishwasher, microwave, oven range, and disposal), designer-selected backsplash, and updated hardware — creating a space that feels both timeless and elevated. Blending the character and charm of an older home with the feel of new construction, this property offers the best of both worlds. Enjoy mornings on the inviting front porch and the convenience of a private driveway. The deep lot provides flexibility and outdoor potential rarely found at this price point. Located just minutes from downtown Denison, with convenient access to schools and local amenities, this home sits in one of the area’s most sought-after neighborhoods. With Denison experiencing strong growth and development, now is the perfect time to invest and enjoy homeownership in style.
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2026-03-21price $1,400
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2026-03-20price $159,900 1966-char remark
Show marketing remark (1966 chars)
Major Price improvement Schedule today Completely renovated and move-in ready, this stunning home has a thoughtfully updated living space on a large, deep lot in a highly desirable Denison location. This home has been extensively upgraded from top to bottom. Major system improvements include dual-pane windows, upgraded insulation in the walls and attic, a full electrical panel replacement, and a complete whole-house rewire. All water lines have been replaced, along with a brand-new sewer line extending from beneath the home to the city connection. The HVAC system and water heater have also been replaced, providing efficiency, reliability, and true peace of mind. Inside, you’ll find brand-new luxury vinyl plank flooring throughout — a high-end, wood-look material that is both durable and waterproof — freshly installed in January. The interior and exterior feature fresh paint, complemented by new baseboards for a clean, modern finish. Designer light fixtures elevate the space, and both bedrooms include ceiling fans for added comfort and functionality. The kitchen showcases solid wood cabinetry, quartz countertops, stainless steel appliances (dishwasher, microwave, oven range, and disposal), designer-selected backsplash, and updated hardware — creating a space that feels both timeless and elevated. Blending the character and charm of an older home with the feel of new construction, this property offers the best of both worlds. Enjoy mornings on the inviting front porch and the convenience of a private driveway. The deep lot provides flexibility and outdoor potential rarely found at this price point. Located just minutes from downtown Denison, with convenient access to schools and local amenities, this home sits in one of the area’s most sought-after neighborhoods. With Denison experiencing strong growth and development, now is the perfect time to invest and enjoy homeownership in style.
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2026-03-01price $1,450
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2026-02-20$1,500
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2026-02-18$179,900 Active 1966-char remark
Show marketing remark (1966 chars)
Major Price improvement Schedule today Completely renovated and move-in ready, this stunning home has a thoughtfully updated living space on a large, deep lot in a highly desirable Denison location. This home has been extensively upgraded from top to bottom. Major system improvements include dual-pane windows, upgraded insulation in the walls and attic, a full electrical panel replacement, and a complete whole-house rewire. All water lines have been replaced, along with a brand-new sewer line extending from beneath the home to the city connection. The HVAC system and water heater have also been replaced, providing efficiency, reliability, and true peace of mind. Inside, you’ll find brand-new luxury vinyl plank flooring throughout — a high-end, wood-look material that is both durable and waterproof — freshly installed in January. The interior and exterior feature fresh paint, complemented by new baseboards for a clean, modern finish. Designer light fixtures elevate the space, and both bedrooms include ceiling fans for added comfort and functionality. The kitchen showcases solid wood cabinetry, quartz countertops, stainless steel appliances (dishwasher, microwave, oven range, and disposal), designer-selected backsplash, and updated hardware — creating a space that feels both timeless and elevated. Blending the character and charm of an older home with the feel of new construction, this property offers the best of both worlds. Enjoy mornings on the inviting front porch and the convenience of a private driveway. The deep lot provides flexibility and outdoor potential rarely found at this price point. Located just minutes from downtown Denison, with convenient access to schools and local amenities, this home sits in one of the area’s most sought-after neighborhoods. With Denison experiencing strong growth and development, now is the perfect time to invest and enjoy homeownership in style.
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2021-06-24soldstatus
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2021-04-27status Pending
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2021-04-23historical Active Option Contract
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2021-04-21historical
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2021-04-15$140,000 Active
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2019-10-21soldstatus
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2001-12-18soldstatus
ⓘ 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
- $2,966 · $247/mo
- Projected year-2 tax
- $2,966 · $247/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 5/10 Major
- Heat 6/10 Major 7 d/yr ≥109°F today · 21 d/yr by 30 yrs out
- Wind 4/10 Moderate 19% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $14,685
- − Mortgage interest
- −$8,122
- − Property taxes
- −$2,966
- − Insurance
- −$725
- − Repairs & maintenance
- −$1,175
- − Management
- −$1,175
- − Depreciation
- −$4,218
- Taxable loss
- −$3,695
- Est. tax savings @ 24.0%
- +$887
- After-tax cash flow
- $-327/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
- Denison ISD
- NCES district ID
- 4816710
- Math proficiency
- 43% ▼ -7.00%
- Reading proficiency
- 44% ▼ -3.00%
- Median HH income
- $41,650
- Composite
- 36.6/100
- National rank
- #4629
- State rank
- #315 of 826 in TX
Livability — Denison
- Score
- 73/100
- State rank
- #221
- US rank
- #5428
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Denison, TX
- County
- Grayson County · 108,053 people
- City population
- 34,008
- Metro
- Sherman-Denison, TX
- Population (ZIP)
- 24,835
- Household income
- $71,605
- Rent vs Own
- Severe rent burden
- 997.0
Population outlook (Grayson County) Hauer SSP2
- Today (2025)
- 134,540 people
- By 2030
- 138,653 · +3.1%
- By 2040
- 145,958 · +8.5%
- By 2050
- 151,218 · +12.4%
- By 2075
- 161,802 · +20.3%
- By 2100
- 159,036 · +18.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (73%)
- Race & ethnicity
- White 73% Hispanic / Latino 13% Two or more races 9% Black 6%
- Hispanic origin (detail)
- Mexican 11%
- Common ancestry
- Slovak 5% Serbian 2% Portuguese 2%
- Foreign-born
- 4% · Canada
- Languages at home
- 93% English-only · Spanish 6%
Political lean MEDSL · Grayson
- 2024 margin
- Solid R (+54.3) · D 22.5% · R 76.7%
- 2008→2024 swing
- -16.4pp toward R · 2008: -37.9pp · 2024: -54.3pp
- All cycles
- 2024: R+54.3 2020: R+49.9 2016: R+53.1 2012: R+48.0 2008: R+37.9
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -295.96%
- Current HPI
- 257.1806
- Rent YoY
- ▬ 0.05%
- Metro
- Sherman-Denison, 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 |
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| Technology | 5 | $198B |
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| Engineering / Construction | 4 | $72B |
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| Energy Services | 3 | $60B |
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| Utilities | 3 | $41B |
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| Healthcare | 2 | $330B |
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Price history
+3.6% since first listed13 events — show timeline
- 2026-04-22 Price Changed $144,999 NTREIS
- 2026-03-21 Price Changed $1,400 NTREIS
- 2026-03-20 Price Changed $159,900 NTREIS
- 2026-03-01 Price Changed $1,450 NTREIS
- 2026-02-20 Listed for Rent $1,500 NTREIS
- 2026-02-18 Listed $179,900 NTREIS
- 2021-06-24 Sold (Public Records) — Public Records
- 2021-04-27 Pending — NTREIS
- 2021-04-23 Contingent — NTREIS
- 2021-04-21 Listing Removed — NTREIS
- 2021-04-15 Listed $140,000 NTREIS
- 2019-10-21 Sold (Public Records) — Public Records
- 2001-12-18 Sold (Public Records) — Public Records
Property tax history
+14.3%/yrLatest (2025): $2,966 · -10.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…