300 N Bryan St · Borger, TX 79007

$129,500

3 bd · 1.0 ba · 1,302 sqft · SingleFamily public records · 126 Days on market

Built 1950 10,498 sqft lot $99/sqft · 12% above area Est $116k · 12% 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 +17.3/30.0
• DSCR +5.4/10.0
• 1% rule +5.2/10.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.2/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Step into a beautiful three-bedroom one-bath brick home where comfort and everyday living come together. From the moment you walk into the living room, you'll notice some hardwood floors that add warmth and character. The lay out offers a separate utility room, making daily routines simple. Theres room for everyone, with an attached one-car garage, and a two-car detached garage and a, separate storage building perfect for hobbies, projects keeping life running smoothly. Outside the large backyard with a privacy fence invites family BBQ'S, kids and pets at play, quiet evenings under the Texas sky. This is more than a house-it's a place where memories are waiting to be made, laughter fills the rooms, and everyday moments feel special.

Key facts

• Large backyard
• 0.24 acre lot
• 3 garage spots

Tags

• ORIGINAL HARDWOOD FLOORS
• SEPARATE UTILITY ROOM
• ATTACHED ONE-CAR GARAGE
• TWO-CAR DETACHED GARAGE
• SEPARATE STORAGE BUILDING
• LARGE BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $95 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#268 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, employment D, commute F.
• Borger ISD (town): math 43% / reading 41% proficiency, ranked #348 of 826 in TX (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Gateway El (372 students, 64% FRL); Borger Middle (math 50% / reading 45%, grade C-, #408 of 1,662 statewide, top 25%, 381 students, 59% FRL); Borger H S (math 27% / reading 49%, grade F, #880 of 1,632 statewide, top 54%, 761 students, 50% FRL).
• Market conditions: 88 active listings in the ZIP; 2 units permitted in Hutchinson County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $895 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 126 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 4y ago 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

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $113,960 (12.0% below list)

Questions for the listing agent

1. It's been on market 126 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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: 1.02% ✓
• Cap rate: 7.17%
• Cash-on-cash: 3.13%
• DSCR: 1.14
• GRM: 8.2

CMA / ARV

• ARV (median comp): $115,852
• List price: $129,500
• Delta: 11.78%
• Verdict: OVERPRICED
• Comps: 2 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.3%
• Equity multiple: 0.59×
• Total profit: $-14,906
• Equity at exit: $19,309

10-year hold

• IRR: -2.0%
• Equity multiple: 0.86×
• Total profit: $-5,003
• Equity at exit: $11,197

Cash invested: $36,260 (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 79007

• Active inventory: 88
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,323 medium
• Mortgage (P&I): −$679
• Tax from tax record: −$218 /mo · $2,610/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $95

Break-even live

Break-even rent $1,203

Max offer price $129,500

Occupancy floor 88%

Sensitivity live

Price	-10% $168	-5% $131	+0% $95	+5% $58	+10% $21
Rent	-10% $-10	-5% $42	+0% $95	+5% $147	+10% $199
Rate	-1.0pp $160	-0.5pp $128	base $95	+0.5pp $61	+1.0pp $27

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: $32,375
• Closing costs: $3,885
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-18
   status $129,500 Pending 126 DOM
2. 2026-06-18
   days on market $129,500 Active Under Contract 126 DOM
3. 2026-06-17
   days on market $129,500 Active Under Contract 125 DOM
4. 2026-06-16
   days on market $129,500 Active Under Contract 124 DOM
5. 2026-06-15
   days on market $129,500 Active Under Contract 123 DOM
6. 2026-06-13
   days on market $129,500 Active Under Contract 121 DOM
7. 2026-06-12
   days on market $129,500 Active Under Contract 120 DOM
8. 2026-06-09
   days on market $129,500 Active Under Contract 117 DOM
9. 2026-06-08
   days on market $129,500 Active Under Contract 116 DOM
10. 2026-06-08
    days on market $129,500 Active Under Contract 115 DOM
11. 2026-06-05
    days on market $129,500 Active Under Contract 113 DOM
12. 2026-06-03
    statusdays on market $129,500 Active Under Contract 111 DOM
13. 2026-06-02
    days on market $129,500 Active 110 DOM
14. 2026-06-01
    days on market $129,500 Active 109 DOM
15. 2026-05-31
    days on market $129,500 Active 108 DOM
16. 2026-04-01
    price $129,500 745-char remark

    Show marketing remark (745 chars)

    Step into a beautiful three-bedroom one-bath brick home where comfort and everyday living come together. From the moment you walk into the living room, you'll notice some hardwood floors that add warmth and character. The lay out offers a separate utility room, making daily routines simple. Theres room for everyone, with an attached one-car garage, and a two-car detached garage and a, separate storage building perfect for hobbies, projects keeping life running smoothly. Outside the large backyard with a privacy fence invites family BBQ'S, kids and pets at play, quiet evenings under the Texas sky. This is more than a house-it's a place where memories are waiting to be made, laughter fills the rooms, and everyday moments feel special.

17. 2026-02-12
    listed $134,500 Active 745-char remark

    Show marketing remark (745 chars)

    Step into a beautiful three-bedroom one-bath brick home where comfort and everyday living come together. From the moment you walk into the living room, you'll notice some hardwood floors that add warmth and character. The lay out offers a separate utility room, making daily routines simple. Theres room for everyone, with an attached one-car garage, and a two-car detached garage and a, separate storage building perfect for hobbies, projects keeping life running smoothly. Outside the large backyard with a privacy fence invites family BBQ'S, kids and pets at play, quiet evenings under the Texas sky. This is more than a house-it's a place where memories are waiting to be made, laughter fills the rooms, and everyday moments feel special.

18. 2023-10-24
    soldstatus
19. 2023-10-12
    soldstatus Closed 314-char remark

    Show marketing remark (314 chars)

    This house is sooo cute and has so much potential! Come make this gem yours! New HVAC 2020, New paint throughout, new flooring, refinished hardwoods, all redone kitchen and bathroom! attached 1 car garage and detached 2 car garage or shop. Great sized backyard too! Come check out all this great home has to offer!

20. 2023-09-18
    price $112,000 314-char remark

    Show marketing remark (314 chars)

    This house is sooo cute and has so much potential! Come make this gem yours! New HVAC 2020, New paint throughout, new flooring, refinished hardwoods, all redone kitchen and bathroom! attached 1 car garage and detached 2 car garage or shop. Great sized backyard too! Come check out all this great home has to offer!

21. 2023-09-07
    status Active 314-char remark

    Show marketing remark (314 chars)

    This house is sooo cute and has so much potential! Come make this gem yours! New HVAC 2020, New paint throughout, new flooring, refinished hardwoods, all redone kitchen and bathroom! attached 1 car garage and detached 2 car garage or shop. Great sized backyard too! Come check out all this great home has to offer!

22. 2023-08-03
    status Active 314-char remark

    Show marketing remark (314 chars)

    This house is sooo cute and has so much potential! Come make this gem yours! New HVAC 2020, New paint throughout, new flooring, refinished hardwoods, all redone kitchen and bathroom! attached 1 car garage and detached 2 car garage or shop. Great sized backyard too! Come check out all this great home has to offer!

23. 2023-04-27
    listed $119,900 Active 314-char remark

    Show marketing remark (314 chars)

    This house is sooo cute and has so much potential! Come make this gem yours! New HVAC 2020, New paint throughout, new flooring, refinished hardwoods, all redone kitchen and bathroom! attached 1 car garage and detached 2 car garage or shop. Great sized backyard too! Come check out all this great home has to offer!

24. 2023-04-13
    price $119,900
25. 2022-10-10
    price $129,000
26. 2022-04-30
    listed $90,000 Active

ⓘ 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: $2,610 · $218/mo
• Projected year-2 tax: $2,610 · $218/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 0% chance over 30 yrs
• 🔥 Wildfire 10/10 Extreme
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,876
• − Mortgage interest: −$7,254
• − Property taxes: −$2,610
• − Insurance: −$648
• − Repairs & maintenance: −$1,270
• − Management: −$1,270
• − Depreciation: −$3,767
• Taxable loss: −$943
• Est. tax savings @ 24.0%: +$226
• After-tax cash flow: $1,361/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: Borger ISD
• NCES district ID: 4810890
• Math proficiency: 43% ▼ -4.00%
• Reading proficiency: 41% ▼ -1.00%
• Median HH income: $44,714
• Composite: 35.66/100
• National rank: #4879
• State rank: #348 of 826 in TX

Livability — Borger

• Score: 72/100
• State rank: #268
• US rank: #6266

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Borger, TX
• Population (ZIP): 13,927

Population outlook (Hutchinson County) Hauer SSP2

• Today (2025): 21,274 people
• By 2030: 21,089 · -0.9%
• By 2040: 20,938 · -1.6%
• By 2050: 20,999 · -1.3%
• By 2075: 21,433 · +0.7%
• By 2100: 21,243 · -0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (61%)
• Race & ethnicity: White 61% Hispanic / Latino 32% Two or more races 19% Black 3% Native American 2%
• Hispanic origin (detail): Mexican 29%
• Common ancestry: Slovak 2% Italian 1% Iranian 1%
• Foreign-born: 7% · Canada
• Languages at home: 79% English-only · Spanish 20%

Political lean MEDSL · Hutchinson

• 2024 margin: Solid R (+77.2) · D 11.1% · R 88.2%
• 2008→2024 swing: -8.2pp toward R · 2008: -68.9pp · 2024: -77.2pp
• All cycles: 2024: R+77.2 2020: R+76.6 2016: R+76.1 2012: R+72.7 2008: R+68.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -76.35%
• Current HPI: 114.1111
• 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

+43.9% since first listed

11 events — show timeline

• 2026-04-01 Price Changed $129,500 AARMLS
• 2026-02-12 Listed $134,500 AARMLS
• 2023-10-24 Sold (Public Records) — Public Records
• 2023-10-12 Sold (MLS) — AARMLS
• 2023-09-18 Price Changed $112,000 AARMLS
• 2023-09-07 Relisted — AARMLS
• 2023-08-03 Relisted — AARMLS
• 2023-04-27 Listed $119,900 AARMLS
• 2023-04-13 Price Changed $119,900 AARMLS
• 2022-10-10 Price Changed $129,000 AARMLS
• 2022-04-30 Listed $90,000 AARMLS

Property tax history

+5.2%/yr

Latest (2025): $2,610 · +0.8% YoY. Source: county tax records.