CashFlowRE
Sign in Sign up
805 E Santa Gertrudis Ave
C- Composite 52.91
Why this score? — see what drove the C- 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 +24.6/30.0
  • DSCR +7.9/10.0
  • 1% rule +7.3/10.0
  • Rent growth +4.3/5.0
  • Livability +3.5/5.0
  • Condition / age +2.5/5.0
  • Schools +1.5/10.0
  • ARV discount +1.4/15.0
  • Appreciation +0.0/10.0

$79,900

805 E Santa Gertrudis Ave · Kingsville, TX 78363
2 bd · 1.0 ba · 966 sqft · SingleFamily public records · 167 Days on market
Built 1945 7,000 sqft lot $83/sqft · 14% above area Est $70k · 14% over

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Charming home offering a cozy layout right in front of a public park, easily accessible for families to enjoy - an excellent opportunity for homeowners or investors alike. All appliances are included (water heater, washer, dryer, refrigerator, stove, and window unit/s). Owner prefers to sell as part of a six-property portfolio located in Kingsville, TX (719 E. Santa Gertrudis, 330 W. Richard Ave. , 1014 E. Kenedy, 805 E. Santa Gertrudis, and 309 E. Richard and 513 W. Warren).

Key facts

  • Public park
  • 7,000 sq ft lot
  • Built 1945

Tags

PUBLIC PARKALL APPLIANCES INCLUDED

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

  • At list price, monthly cash flow is $165 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($982 rent vs $80k).
  • Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
  • Cap rate 8.8% vs local median 5.4% in Kingsville — 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 70/100 on livability (#364 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, employment D, amenities F.
  • Kingsville ISD (town): math 13% / reading 22% proficiency, ranked #800 of 826 in TX (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising fast (+7.2%/yr); 216 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 89% of comp listings sitting > 30 days — soft ceiling on asking rent; 24 units permitted in Kleberg County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Kleberg County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 7.2% rent growth), your $22k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 167 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
  • Current owner paid $3k; list at $80k implies a 2250% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $70,312 (12.0% below list)

Questions for the listing agent

  1. It's been on market 167 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 1945 — 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. 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
1.23%
Cap rate
8.77%
Cash-on-cash
8.83%
DSCR
1.39
GRM
6.8

CMA / ARV

ARV (median comp)
$70,345
List price
$79,900
Delta
13.58%
Verdict
OVERPRICED
Comps
20 within 1.0 mi
Show comp detail 9 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
630 E B Ave 0.33mi 2/1.0 900 (-7%) 1mo $46,800 $52 73
901 E Yoakum Ave 0.36mi 3/1.0 (+1) 1,008 (+4%) 9mo $62,000 $62 63
602 E Ella Ave 0.21mi 2/1.0 920 (-5%) 23mo $40,000 $43 63
811 E B Ave 0.27mi 3/1.0 (+1) 880 (-9%) 6mo $65,000 $74 62
815 E Santa Gertrudis 0.02mi 3/1.0 (+1) 1,074 (+11%) 19mo $38,000 $35 60
327 E B Ave 0.48mi 3/1.0 (+1) 1,056 (+9%) 4mo $70,000 $66 54
202 W Fairview Dr 0.69mi 3/1.0 (+1) 1,008 (+4%) 18mo $124,900 $124 40
215 W Alice Ave 0.70mi 1/1.0 (-1) 912 (-6%) 23mo $53,000 $58 34
722 E Yoakum Ave 0.32mi 3/3.0 (+1) 1,109 (+15%) 23mo $169,900 $153 28

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 · 7.18% rent growth · sell at horizon

5-year hold
IRR
2.1%
Equity multiple
1.08×
Total profit
$1,894
Equity at exit
$11,913
10-year hold
IRR
15.7%
Equity multiple
2.55×
Total profit
$34,603
Equity at exit
$6,908

Cash invested: $22,372 (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.

ZIP-level market 78363

Rents YoY
7.2%
Active inventory
216
Price-to-rent
6.8×

Monthly cashflow live

Estimated rent
$982 high interval (Pro) →
Mortgage (P&I)
$419
Tax from tax record
$158 /mo · $1,901/yr
Insurance
$33
HOA
$0
Vacancy / Maint / Mgmt
$206
Net cashflow
$165

Break-even live

Break-even rent $773
Max offer price $79,900
Occupancy floor 78%

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
$19,975
Closing costs
$2,397
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 9 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
200 W Yoakum Ave Kingsville, TX 1.0 1.0 700 $563 $0.80 44d 1 0.73mi
910 E Doddridge Ave Unit 1 Kingsville, TX 2.0 1.0 585 $650 $1.11 44d 1 0.91mi
908 E Doddridge Ave Kingsville, TX 3.0 1.0 1100 $850 $0.77 44d 1 0.91mi
732 W Richard Ave Apt 1 Kingsville, TX 1.0 1.0 800 $750 $0.94 44d 1 1.15mi
704 W Corral Ave Unit 301 Kingsville, TX 1.0 1.0 693 $775 $1.12 44d 1 1.21mi
704 W Corral Ave Unit 503 Kingsville, TX 2.0 1.0 935 $995 $1.06 44d 1 1.21mi
704 W Corral Ave Unit 402 Kingsville, TX 2.0 1.0 935 $895 $0.96 44d 1 1.21mi
704 W Corral Ave Kingsville, TX 2.0 1.0 935 $865 $0.93 44d 1 1.23mi
704 W Corral Ave Kingsville, TX 1.0–2.0 1.0 814 $995 $1.22 2d 7 1.23mi

Listing history 19 events

  1. 2026-06-19
    days on market $79,900 Active 167 DOM
  2. 2026-06-18
    days on market $79,900 Active 166 DOM
  3. 2026-06-17
    days on market $79,900 Active 165 DOM
  4. 2026-06-16
    days on market $79,900 Active 164 DOM
  5. 2026-06-15
    days on market $79,900 Active 163 DOM
  6. 2026-06-14
    days on market $79,900 Active 161 DOM
  7. 2026-06-12
    days on market $79,900 Active 160 DOM
  8. 2026-06-09
    days on market $79,900 Active 157 DOM
  9. 2026-06-08
    days on market $79,900 Active 156 DOM
  10. 2026-06-07
    days on market $79,900 Active 155 DOM
  11. 2026-06-05
    days on market $79,900 Active 152 DOM
  12. 2026-06-03
    days on market $79,900 Active 151 DOM
  13. 2026-06-02
    days on market $79,900 Active 150 DOM
  14. 2026-06-01
    days on market $79,900 Active 149 DOM
  15. 2026-05-31
    days on market $79,900 Active 148 DOM
  16. 2026-05-30
    days on market $79,900 Active 147 DOM
  17. 2026-03-23
    price $79,900 481-char remark
    Show marketing remark (481 chars)

    Charming home offering a cozy layout right in front of a public park, easily accessible for families to enjoy - an excellent opportunity for homeowners or investors alike. All appliances are included (water heater, washer, dryer, refrigerator, stove, and window unit/s). Owner prefers to sell as part of a six-property portfolio located in Kingsville, TX (719 E. Santa Gertrudis, 330 W. Richard Ave. , 1014 E. Kenedy, 805 E. Santa Gertrudis, and 309 E. Richard and 513 W. Warren).

  18. 2025-12-29
    listed $85,000 Active 481-char remark
    Show marketing remark (481 chars)

    Charming home offering a cozy layout right in front of a public park, easily accessible for families to enjoy - an excellent opportunity for homeowners or investors alike. All appliances are included (water heater, washer, dryer, refrigerator, stove, and window unit/s). Owner prefers to sell as part of a six-property portfolio located in Kingsville, TX (719 E. Santa Gertrudis, 330 W. Richard Ave. , 1014 E. Kenedy, 805 E. Santa Gertrudis, and 309 E. Richard and 513 W. Warren).

  19. 2011-02-07
    soldstatus $3,400

ⓘ 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
$1,901 · $158/mo
Projected year-2 tax
$1,901 · $158/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 6/10 Major FEMA zone X (unshaded) · 68% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 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
$11,778
− Mortgage interest
−$4,476
− Property taxes
−$1,901
− Insurance
−$400
− Repairs & maintenance
−$942
− Management
−$942
− Depreciation
−$2,324
Taxable income
$793
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$190
After-tax cash flow
$1,786/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
Kingsville ISD
NCES district ID
4825680
Math proficiency
13% ▼ -22.00%
Reading proficiency
22% ▼ -7.00%
Median HH income
$36,308
Composite
14.5/100
National rank
#9425
State rank
#800 of 826 in TX

Livability — Kingsville

Score
70/100
State rank
#364
US rank
#7787

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Kingsville, TX
County
Kleberg County · 28,920 people
City population
28,920
Metro
Kingsville, TX
Population (ZIP)
28,920
Household income
$60,574
Rent vs Own
49.3% rent · 50.7% own
Severe rent burden
1663.0

Population outlook (Kleberg County) Hauer SSP2

Today (2025)
31,615 people
By 2030
32,054 · +1.4%
By 2040
33,008 · +4.4%
By 2050
34,536 · +9.2%
By 2075
40,931 · +29.5%
By 2100
46,001 · +45.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (72%)
Race & ethnicity
Hispanic / Latino 72% Two or more races 36% White 20% Black 3% Asian 1% Native American 1%
Hispanic origin (detail)
Mexican 67%
Common ancestry
Italian 2% Slovak 1% Portuguese 1%
Foreign-born
7% · Canada, China
Languages at home
65% English-only · Spanish 32% Other Indo-European 1%

Political lean MEDSL · Kleberg

2024 margin
R (+12.7) · D 43.3% · R 56.1%
2008→2024 swing
-20.0pp toward R · 2008: 7.2pp · 2024: -12.7pp
All cycles
2024: R+12.7 2020: R+1.7 2016: D+3.7 2012: D+7.8 2008: D+7.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -87.12%
Current HPI
147.6473
Rent YoY
▲ 7.18%
Metro
Kingsville, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

+2250.0% since first listed
3 events — show timeline
  • 2026-03-23 Price Changed $79,900 LAOR
  • 2025-12-29 Listed $85,000 LAOR
  • 2011-02-07 Sold (Public Records) $3,400 Public Records

Property tax history

+2.0%/yr

Latest (2025): $1,901 · +19.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…