4046 Harrisburg Cv · San Antonio, TX 78211

$190,999

3 bd · 2.0 ba · 1,266 sqft · SingleFamily · 16 Days on market

Built 2026 Fair condition 4,791 sqft lot Est $185k · at est. $25/mo HOA · 2% of rent ↓ 2% since listing

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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 +9.9/30.0
• ARV discount +6.0/15.0
• Appreciation +4.8/10.0
• Livability +4.0/5.0
• 1% rule +3.1/10.0
• DSCR +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Schools +1.4/10.0

Listing remarks MLS

This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms along the side of the home, which are ideal for household members and hosting overnight guests.

Key facts

• Walk-in closet
• Open floorplan
• Secondary bedrooms

Tags

• OPEN FLOORPLAN
• OWNER'S SUITE
• EN-SUITE BATHROOM
• WALK-IN CLOSET
• SECONDARY BEDROOMS

Property features AI

Finance

• Other: Subdivision: Somerset Meadows
• HOA & community: Mandatory HOA with a $25 monthly fee; Association transfer fee $450

Exterior

• Parking: 2-car garage
• Utilities: Water provided by SAWS; Sewer provided by SAWS; Gas supplied by CPS; Electricity supplied by CPS; City garbage service
• Home design: New construction by Lennar
• Construction: Slab foundation; Composition roof
• Exterior features: Brick, siding, and cement fiber exterior

Interior

• Kitchen: Stove/Range; Dishwasher; Breakfast bar
• Bedrooms: Master bedroom on lower level with walk-in closet and full bath; Bedroom 2 (11 x 10); Bedroom 3 (11 x 10); Master bedroom dimensions 14 x 13
• Flooring: Carpeting; Vinyl flooring
• Bathrooms: 2 full bathrooms; Master bath with shower only and single vanity
• Heating & cooling: Central heating; Electric heat; Natural gas heat; Central air conditioning
• Interior features: Open floor plan; Breakfast bar; Utility room inside; 1 living area; All bedrooms downstairs; Walk-in closets; Laundry room
• Laundry & utility: Washer connection; Dryer connection; Laundry on main level; Utility room inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $191k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $-119 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $174k (9.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $155k (18.8% below list).
• Recommended offer: $155k (18.8% below list) — sets the bar for 1% rule.
• Cap rate 5.5% vs local median 3.8% in San Antonio — 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 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools C-, crime F.
• South San Antonio ISD (urban): math 13% / reading 20% proficiency, ranked #804 of 826 in TX (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 152 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 34% of the median local income ($55k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $462 of equity ($1k loan paydown + $-858 appreciation (-0.5% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($188k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $23k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $155,166 (18.8% 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. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is F 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.81% ✗
• Cap rate: 5.54%
• Cash-on-cash: -2.67%
• DSCR: 0.88
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $184,836
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9303 Campbell Way	0.09mi	3/2.0	1,266 (0%)	2mo	$196,999	$156	94
9243 Campbell Way	0.11mi	3/2.0	1,266 (0%)	1mo	$191,999	$152	94
4026 Lowell Lndg	0.14mi	3/2.0	1,266 (0%)	4mo	$190,999	$151	90
9323 Campbell Way	0.06mi	3/2.0	1,402 (+11%)	1mo	$204,999	$146	79
9158 Campbell Way	0.19mi	3/2.0	1,354 (+7%)	1mo	$187,999	$139	79
9335 Campbell Way	0.05mi	3/2.0	1,411 (+12%)	0mo	$203,999	$145	78
9155 Campbell Way	0.21mi	3/2.0	1,354 (+7%)	2mo	$196,999	$145	77
9122 Campbell Way	0.25mi	3/2.0	1,354 (+7%)	1mo	$195,999	$145	76
9227 Campbell Way	0.13mi	3/2.0	1,402 (+11%)	0mo	$197,999	$141	75
9218 Campbell Way	0.12mi	3/2.0	1,402 (+11%)	3mo	$205,999	$147	74
9163 Campbell Way	0.20mi	3/2.0	1,402 (+11%)	2mo	$207,999	$148	72
3819 Terrell Trce	0.50mi	3/2.0	1,392 (+10%)	2mo	$194,900	$140	58

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.1%
• Equity multiple: 0.68×
• Total profit: $-17,132
• Equity at exit: $51,210

10-year hold

• IRR: -0.7%
• Equity multiple: 0.93×
• Total profit: $-3,897
• Equity at exit: $58,259

Cash invested: $53,480 (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 78211

• Home prices YoY: -0.2%
• Active inventory: 152
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,552 high
• Mortgage (P&I): −$1,002
• Tax est. 1.5%: −$239 /mo · $2,865/yr
• Insurance: −$80
• HOA: −$25
• Vacancy / Maint / Mgmt: −$326
• Net cashflow: $-119

Break-even live

Break-even rent $1,702

Max offer price $173,759

Occupancy floor —

Sensitivity live

Price	-10% $13	-5% $-53	+0% $-119	+5% $-185	+10% $-251
Rent	-10% $-242	-5% $-180	+0% $-119	+5% $-58	+10% $3
Rate	-1.0pp $-23	-0.5pp $-71	base $-119	+0.5pp $-169	+1.0pp $-219

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: $47,750
• Closing costs: $5,730
• Reserves months: —
• Total cash needed: —

Rent comps 33 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4111 Imogene Ivy San Antonio, TX	3.0	2.0	1276	$1,700	$1.33	4d	1	0.07mi
4039 Imogene Ivy San Antonio, TX	3.0	2.0	1200	$1,550	$1.29	24d	1	0.09mi
9447 Tarbutton Trl San Antonio, TX	3.0	2.0	1007	$1,550	$1.54	16d	1	0.15mi
9122 Campbell Way San Antonio, TX	3.0	2.0	1354	$1,495	$1.10	3d	1	0.26mi
9323 Somerset Rd Unit 710 San Antonio, TX	2.0	2.0	954	$981	$1.03	3d	1	0.32mi
9257 Somerset Rd Unit 710 San Antonio, TX	2.0	2.0	1133	$1,173	$1.04	3d	1	0.34mi
9419 Graze Br San Antonio, TX	3.0	2.0	1242	$1,550	$1.25	18d	1	0.44mi
4007 Somers Crst San Antonio, TX	3.0	2.0	1242	$1,525	$1.23	5d	1	0.46mi
3911 Bates Pl San Antonio, TX	3.0	2.0	1200	$1,450	$1.21	24d	1	0.51mi
9407 Somers Bnd San Antonio, TX	3.0	2.5	1310	$1,525	$1.16	24d	1	0.55mi
9422 Somers Bnd San Antonio, TX	3.0	2.5	1419	$1,575	$1.11	44d	1	0.57mi
9334 Somers Bnd San Antonio, TX	3.0	2.5	1272	$1,515	$1.19	5d	1	0.57mi
9402 Somers Bnd San Antonio, TX	3.0	2.5	1529	$1,600	$1.05	11d	1	0.58mi
9306 Somers Bnd San Antonio, TX	3.0	2.5	1420	$1,600	$1.13	24d	1	0.58mi
3810 Kurz Plz S San Antonio, TX	3.0	2.0	1266	$550	$0.43	24d	1	0.60mi
9435 Dogwood Hl San Antonio, TX	3.0	2.5	1529	$1,600	$1.05	44d	1	0.61mi
3811 Somers Crst San Antonio, TX	3.0	2.5	1529	$1,650	$1.08	44d	1	0.62mi
3723 Somers Crst San Antonio, TX	3.0	2.5	1529	$1,650	$1.08	44d	1	0.67mi
3727 Aragon Dr San Antonio, TX	3.0	1.0	1060	$1,400	$1.32	44d	1	0.78mi
3439 Twining Dr San Antonio, TX	3.0	1.0	1124	$1,500	$1.33	18d	1	1.07mi
8715 Yellow Knife St San Antonio, TX	3.0	2.0	900	$1,125	$1.25	24d	1	1.17mi
3411 Avoca Dr San Antonio, TX	3.0	2.0	1426	$1,460	$1.02	18d	1	1.18mi
3411 Avoca Dr San Antonio, TX	3.0	2.0	1426	$1,460	$1.02	5d	1	1.18mi
3331 Rosita Way San Antonio, TX	3.0	2.5	1848	$1,800	$0.97	44d	1	1.27mi
8722 Tesoro Hls San Antonio, TX	3.0	1.5	1170	$1,475	$1.26	11d	1	1.41mi
8739 Tesoro Hls San Antonio, TX	3.0	2.5	1777	$1,595	$0.90	5d	1	1.42mi
10414 Espada Pass San Antonio, TX	3.0	2.0	1416	$1,600	$1.13	44d	1	1.43mi
12305 SW Loop 410 San Antonio, TX	1.0–4.0	1.0–2.0	1036	$1,318	$1.27	16d	1	1.45mi
8522 Tesoro Hls San Antonio, TX	3.0	2.5	1539	$1,540	$1.00	45d	1	1.46mi
8619 Tesoro Hls San Antonio, TX	3.0	2.5	1539	$1,540	$1.00	24d	1	1.46mi
8619 Standing Rock St San Antonio, TX	4.0	2.0	1176	$1,420	$1.21	5d	1	1.46mi
5331 Beryl Cv San Antonio, TX	3.0	2.0	1301	$2,000	$1.54	4d	1	1.47mi
3263 Rancho Grande San Antonio, TX	3.0	2.0	1500	$1,650	$1.10	24d	1	1.49mi

HOA detail

• Monthly dues: $25 · $300/yr

Listing history 11 events

1. 2026-06-18
   status $190,999 Pending 16 DOM
2. 2026-06-17
   days on market $190,999 Back on Market 16 DOM
3. 2026-06-16
   days on market $190,999 Back on Market 15 DOM
4. 2026-06-15
   days on market $190,999 Back on Market 14 DOM
5. 2026-06-13
   pricestatusdays on market $190,999 Back on Market 12 DOM
6. 2026-05-31
   status $189,999 Pending 10 DOM
7. 2026-05-31
   days on market $189,999 Price Change 10 DOM
8. 2026-05-23
   price $189,999
9. 2026-05-22
   price $189,999 414-char remark

   Show marketing remark (414 chars)

   This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms along the side of the home, which are ideal for household members and hosting overnight guests.

10. 2026-05-21
    listed $213,999 Active 414-char remark

    Show marketing remark (414 chars)

    This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms along the side of the home, which are ideal for household members and hosting overnight guests.

11. 2026-05-21
    listed $193,999 New

    Show marketing remark (414 chars)

    This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms along the side of the home, which are ideal for household members and hosting overnight guests.

ⓘ 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: $18,620
• − Mortgage interest: −$10,699
• − Property taxes: −$2,865
• − Insurance: −$955
• − Repairs & maintenance: −$1,490
• − Management: −$1,490
• − HOA: −$300
• − Depreciation: −$5,556
• Taxable loss: −$4,734
• Est. tax savings @ 24.0%: +$1,136
• After-tax cash flow: $-293/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 · 7 photos

Fair 45/100 Cosmetic rehab

The home is in fair condition with good interior and exterior features. It requires minor cosmetic updates to the exterior and landscaping to increase its resale and rental value.

Value-add opportunities

• Resale Paint exterior siding — Fresh paint can enhance curb appeal and home value.
• Both Landscaping improvements — Enhanced landscaping can improve curb appeal and attract more potential buyers or renters.

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint exterior siding — Fresh paint can enhance curb appeal and home value. ↑
• Both Landscaping improvements — Enhanced landscaping can improve curb appeal and attract more potential buyers or renters. ↑

ⓘ 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: South San Antonio ISD
• NCES district ID: 4840680
• Math proficiency: 13% ▼ -20.00%
• Reading proficiency: 20% ▼ -10.00%
• Median HH income: $35,460
• Composite: 13.6/100
• National rank: #9511
• State rank: #804 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: San Antonio, TX
• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 30,857
• Household income: $55,436
• Rent vs Own: 39.1% rent · 60.9% own
• Severe rent burden: 729.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (93%)
• Race & ethnicity: Hispanic / Latino 93% Two or more races 30% White 5% Black 1% Native American 1%
• Hispanic origin (detail): Mexican 76%
• Foreign-born: 18% · Canada
• Languages at home: 35% English-only · Spanish 65%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.45%
• Current HPI: 241.1709
• Rent YoY: —
• Metro: San Antonio-New Braunfels, 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

Price history

-2.1% since first listed

4 events — show timeline

• 2026-05-23 Price Changed $189,999 LERA
• 2026-05-22 Price Changed $189,999 Zillow
• 2026-05-21 Listed $213,999 Zillow
• 2026-05-21 Listed $193,999 LERA