SILVERBELL Plan · Texas City, TX 77568

$332,990

4 bd · 2.5 ba · 2,260 sqft · SingleFamily · 452 Days on market

Excellent condition

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Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Cash flow +6.9/30.0
• Condition / age +4.8/5.0
• Rent growth +3.5/5.0
• Schools +3.1/10.0
• Livability +3.1/5.0
• 1% rule +1.8/10.0
• DSCR +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

The desirable Silverbell floor plan offers an expansive main-floor layout, centered around an airy great room. A dining area and a well-equipped kitchen with a center island are steps away and make for the perfect place to entertain. The floor also features a luxurious primary suite, complete with walk-in shower, dual vanities, and a spacious walk-in closet. The upper floor features three bedrooms and a roomy loft.

Key facts

• Primary suite
• Dining area
• Walk-in shower

Tags

• GREAT ROOM
• DINING AREA
• WELL-EQUIPPED KITCHEN
• CENTER ISLAND
• PRIMARY SUITE
• WALK-IN SHOWER

🏗️ New construction. The $332,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $394,429.

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $333k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-601 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $307k (7.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $269k (19.2% below list).
• Recommended offer: $269k (19.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 62/100 on livability (#907 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D+, amenities F, commute F.
• Dickinson ISD (suburban): math 39% / reading 40% proficiency, ranked #366 of 826 in TX (top 44%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Hughes Road El (math 36% / reading 31%, grade F, #2,174 of 4,322 statewide, top 51%, 707 students, 67% FRL); Dunbar Middle (math 25% / reading 20%, grade F, #1,341 of 1,662 statewide, top 82%, 654 students, 78% FRL); Dickinson H S (math 30% / reading 46%, grade F, #880 of 1,632 statewide, top 54%, 3,619 students, 64% FRL).
• Market conditions: Rents rising (+4.0%/yr); 783 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 3,258 units permitted in Galveston County in 2024 (0 in 5+ unit buildings).
• This rent runs 43% of the median local income ($75k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
• Galveston County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 452 days — a 12% lower offer ($293k) is reasonable based on typical stale-listing flexibility.

Recommended offer $268,907 (19.2% 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 452 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.68% ✗
• Cap rate: 4.46%
• Cash-on-cash: -6.54%
• DSCR: 0.71
• GRM: 12.2

CMA / ARV

• ARV (median comp): $394,429
• List price: $332,990
• Delta: -15.58%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2825 Golden Isle Dr	0.18mi	4/2.5	2,290 (+1%)	0mo	$399,990	$175	89
3102 Mariner Island Dr	0.22mi	4/2.0	2,081 (-8%)	1mo	$323,990	$156	74
13310 Suntail Ct	0.55mi	4/2.5	2,316 (+2%)	0mo	$309,900	$134	70
3206 Freeboard Dr	0.70mi	4/2.5	2,260 (0%)	0mo	$315,000	$139	67
13204 Pinnacle Beach Dr	0.14mi	4/2.0	1,922 (-15%)	0mo	$327,990	$171	67
13026 Oleander Bay Ln	0.43mi	3/3.0 (-1)	2,163 (-4%)	0mo	$314,990	$146	66
13302 Rosemary Dr	0.17mi	3/2.0 (-1)	1,970 (-13%)	0mo	$334,990	$170	63
3605 Moraine Lake Dr	0.68mi	4/3.0	2,214 (-2%)	0mo	$342,990	$155	63
3626 Moraine Lake Dr	0.68mi	4/3.0	2,214 (-2%)	0mo	$342,990	$155	63
3002 Fair Wind Ln	0.63mi	4/2.0	2,188 (-3%)	1mo	$369,900	$169	62
13113 Sapphire Lake Ln	0.30mi	3/2.5 (-1)	1,963 (-13%)	1mo	$319,445	$163	58
2601 Village Azalea Dr	0.51mi	3/2.0 (-1)	1,932 (-14%)	1mo	$299,900	$155	44

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 · 3.95% rent growth · sell at horizon

5-year hold

• IRR: -26.5%
• Equity multiple: 0.10×
• Total profit: $-99,586
• Equity at exit: $58,811

10-year hold

• IRR: -20.9%
• Equity multiple: -0.13×
• Total profit: $-125,024
• Equity at exit: $34,103

Cash invested: $110,440 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 237 active · 84 under contract
• Months of supply: 11.3 mo (9%/mo absorbed)
• Median asking: $351,990 ($161/sqft)
• Median days on market: 103 d
• This list price: 30% of active listings are priced below it
• ARV vs active asking: +8.4% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 77568

• Home prices YoY: -22.7%
• Rents YoY: 4.0%
• Active inventory: 783
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,689 high
• Mortgage (P&I): −$2,068
• Tax est. 1.5%: −$493 /mo · $5,916/yr
• Insurance: −$164
• HOA: −$0
• Vacancy / Maint / Mgmt: −$565
• Net cashflow: $-601

Break-even live

Break-even rent $3,450

Max offer price $307,399

Occupancy floor —

Sensitivity live

Price	-10% $-329	-5% $-465	+0% $-601	+5% $-738	+10% $-874
Rent	-10% $-814	-5% $-708	+0% $-601	+5% $-495	+10% $-389
Rate	-1.0pp $-403	-0.5pp $-501	base $-601	+0.5pp $-704	+1.0pp $-808

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: $98,607
• Closing costs: $11,833
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2600 Golden Palms Ln La Marque, TX	4.0	3.0	2411	$3,200	$1.33	17d	1	0.48mi
13817 Starboard Reach Dr Texas City, TX	3.0–4.0	2.0–3.5	2268	$3,630	$1.60	0d	1	0.55mi
12524 Jetty Cv Santa Fe, TX	3.0	2.0	1803	$2,506	$1.39	71d	1	0.93mi
2128 Port Jackson Dr La Marque, TX	3.0	2.0	1754	$2,200	$1.25	42d	1	0.98mi
14403 Daniel Shores Dr Texas City, TX	3.0–4.0	2.5–3.5	1825	$2,650	$1.45	0d	5	1.05mi
421 Palomino Stand Dr La Marque, TX	4.0	2.5	2134	$2,329	$1.09	12d	1	1.05mi
417 Palomino Stand Dr La Marque, TX	4.0	2.0	1844	$2,179	$1.18	0d	1	1.06mi
640 Totem Trail Dr La Marque, TX	4.0	2.5	2134	$2,269	$1.06	7d	1	1.10mi
12306 Wavecrest Rd La Marque, TX	4.0	2.0	1844	$2,099	$1.14	27d	1	1.15mi
2437 Regatta Ln La Marque, TX	4.0	2.0	1844	$2,079	$1.13	54d	1	1.20mi
692 Totem Trail Dr La Marque, TX	4.0	2.5	2134	$2,329	$1.09	30d	1	1.21mi
916 American Monarch Dr La Marque, TX	4.0	2.5	2134	$2,309	$1.08	16d	1	1.26mi
944 American Monarch Dr La Marque, TX	3.0	2.5	1658	$2,099	$1.27	10d	1	1.29mi
2301 Starboard Sail Alta Loma, TX	4.0	2.0	1856	$2,181	$1.18	60d	1	1.36mi

Listing history 50 events

1. 2026-08-08
   days on market $332,990 Active 452 DOM
2. 2026-08-06
   days on market $332,990 Active 450 DOM
3. 2026-08-05
   days on market $332,990 Active 449 DOM
4. 2026-08-04
   days on market $332,990 Active 448 DOM
5. 2026-08-03
   days on market $332,990 Active 447 DOM
6. 2026-07-31
   days on market $332,990 Active 444 DOM
7. 2026-07-30
   days on market $332,990 Active 443 DOM
8. 2026-07-30
   days on market $332,990 Active 442 DOM
9. 2026-07-28
   days on market $332,990 Active 441 DOM
10. 2026-07-26
    days on market $332,990 Active 439 DOM
11. 2026-07-24
    days on market $332,990 Active 437 DOM
12. 2026-07-23
    days on market $332,990 Active 436 DOM
13. 2026-07-22
    days on market $332,990 Active 435 DOM
14. 2026-07-21
    days on market $332,990 Active 434 DOM
15. 2026-07-20
    days on market $332,990 Active 433 DOM
16. 2026-07-18
    days on market $332,990 Active 431 DOM
17. 2026-07-18
    days on market $332,990 Active 430 DOM
18. 2026-07-16
    days on market $332,990 Active 429 DOM
19. 2026-07-15
    days on market $332,990 Active 428 DOM
20. 2026-07-14
    days on market $332,990 Active 427 DOM
21. 2026-07-13
    days on market $332,990 Active 426 DOM
22. 2026-07-13
    days on market $332,990 Active 425 DOM
23. 2026-07-11
    days on market $332,990 Active 424 DOM
24. 2026-07-10
    days on market $332,990 Active 423 DOM
25. 2026-07-09
    days on market $332,990 Active 422 DOM
26. 2026-07-07
    days on market $332,990 Active 420 DOM
27. 2026-07-06
    days on market $332,990 Active 419 DOM
28. 2026-07-06
    days on market $332,990 Active 418 DOM
29. 2026-07-05
    days on market $332,990 Active 417 DOM
30. 2026-07-03
    days on market $332,990 Active 416 DOM
31. 2026-07-02
    days on market $332,990 Active 415 DOM
32. 2026-07-01
    days on market $332,990 Active 414 DOM
33. 2026-06-30
    days on market $332,990 Active 413 DOM
34. 2026-06-29
    days on market $332,990 Active 412 DOM
35. 2026-06-28
    days on market $332,990 Active 411 DOM
36. 2026-06-27
    days on market $332,990 Active 410 DOM
37. 2026-06-26
    days on market $332,990 Active 409 DOM
38. 2026-06-24
    days on market $332,990 Active 407 DOM
39. 2026-06-22
    days on market $332,990 Active 405 DOM
40. 2026-06-21
    days on market $332,990 Active 404 DOM
41. 2026-06-18
    days on market $332,990 Active 401 DOM
42. 2026-06-17
    days on market $332,990 Active 400 DOM
43. 2026-06-16
    days on market $332,990 Active 399 DOM
44. 2026-06-15
    days on market $332,990 Active 398 DOM
45. 2026-06-13
    days on market $332,990 Active 396 DOM
46. 2026-06-09
    days on market $332,990 Active 392 DOM
47. 2026-06-08
    days on market $332,990 Active 391 DOM
48. 2026-06-07
    days on market $332,990 Active 390 DOM
49. 2026-06-04
    days on market $332,990 Active 387 DOM
50. 2026-06-03
    days on market $332,990 Active 386 DOM

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

Taxation est. · year 1

• Rental income: $32,269
• − Mortgage interest: −$22,094
• − Property taxes: −$5,916
• − Insurance: −$1,972
• − Repairs & maintenance: −$2,582
• − Management: −$2,582
• − Depreciation: −$11,474
• Taxable loss: −$14,351
• Est. tax savings @ 24.0%: +$3,444
• After-tax cash flow: $-3,773/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 · 1 photo

Excellent 95/100 None rehab

This Silverbell plan home is in excellent condition with no visible repairs needed. It offers a good return on investment with updates to the exterior and interior paint, landscaping, and kitchen and bathroom fixtures.

Value-add opportunities

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics ↑
• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Resale Kitchen appliances — Modernizes kitchen and appeals to potential buyers ↑
• Resale Bathroom fixtures — Modernizes bathrooms and appeals to potential buyers ↑

F Composite school gradezoned avg 31/100

Zoned Schools

Elementary Hughes Road El F TX #2,174/4,322 Nat'l #24,455/41,679 Middle Dunbar Middle F TX #1,341/1,662 Nat'l #11,105/14,009 High Dickinson H S F TX #880/1,632 Nat'l #8,877/17,239

Schools (NCES district)

• District: Dickinson ISD
• NCES district ID: 4817070
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 40% ▼ -2.00%
• Median HH income: $61,318
• Composite: 35.16/100
• National rank: #5005
• State rank: #366 of 826 in TX

C Composite livability gradescore 62/100

Livability — Texas City

• Score: 62/100
• State rank: #907
• US rank: #16268

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Texas City, TX
• County: Galveston County · 390,640 people
• City population: 49,936
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 23,083
• Household income: $74,694
• Rent vs Own: 28.0% rent · 72.0% own
• Severe rent burden: 16% of renters

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Population outlook (Galveston County) Hauer SSP2

• Today (2025): 390,640 people
• By 2030: 425,226 · +8.9%
• By 2040: 493,765 · +26.4%
• By 2050: 559,698 · +43.3%
• By 2075: 719,260 · +84.1%
• By 2100: 819,628 · +109.8%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: White 37% Hispanic / Latino 29% Black 26% Two or more races 17% Asian 3%
• Hispanic origin (detail): Mexican 22% Puerto Rican 1%
• Common ancestry: Lithuanian 1% Italian 1% Serbian 1%
• Foreign-born: 8% · Canada
• Languages at home: 77% English-only · Spanish 21% Tagalog/Filipino 1% Other Asian/Pacific 1%

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Political lean MEDSL · Galveston

• 2024 margin: Strong R (+27.4) · D 35.7% · R 63.1% · Other 1.2%
• 2008→2024 swing: -7.9pp toward R · 2008: -19.5pp · 2024: -27.4pp
• All cycles: 2024: R+27.4 2020: R+22.6 2016: R+22.6 2012: R+26.9 2008: R+19.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -69.39%
• Current HPI: 236.0239
• Rent YoY: ▲ 3.95%
• Metro: Houston-The Woodlands-Sugar Land, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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 event — show timeline

• 2025-05-13 Listed $332,990 Zillow