107 Valley St · Lake Bridgeport, TX 76426

$210,000

4 bd · 2.0 ba · 1,794 sqft · Land · 111 Days on market

Built 2025 0.45 ac lot ↓ 16% 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 +11.3/30.0
• ARV discount +7.5/15.0
• Appreciation +4.6/10.0
• Schools +3.6/10.0
• 1% rule +3.3/10.0
• DSCR +3.3/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This brand-new 4 bedroom, 2 bath home sits on a spacious, nearly half acre corner lot just steps from Lake Bridgeport, with a neighborhood boat ramp for easy water access. Inside, you’ll find an open-concept layout designed for entertaining family and friends. The kitchen is equipped with a brand-new refrigerator, range, and dishwasher, with plenty of counter and cabinet space to make cooking a breeze. The primary suite features a spacious bathroom and a walk-in closet, giving you a true retreat. Thoughtful upgrades set this home apart, including a 2-car carport and custom-built front and back decks. With FHA, VA, USDA, and Conventional loan options available, this home is ready for any buyer. Whether you’re looking for a permanent residence or a lake retreat, this property offers comfort, style, and unbeatable location at an incredible price!

Key facts

• Corner lot
• Open-concept layout
• 0.45 acre lot

Tags

• CORNER LOT
• NEIGHBORHOOD BOAT RAMP
• OPEN-CONCEPT LAYOUT
• BRAND-NEW REFRIGERATOR

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $210k.

Deal economics

• At list price, monthly cash flow is $-76 ($-911/yr) — negative.
• To cash-flow at today's rent, offer at most $199k (5.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $174k (17.1% below list).
• Recommended offer: $174k (17.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 65/100 on livability (#692 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: health & safety D+, schools F, amenities F.
• Bridgeport ISD (rural): math 41% / reading 41% proficiency, ranked #356 of 826 in TX (top 43%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 340 active listings in the ZIP; solid renter incomes; 460 units permitted in Wise County in 2024 (243 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-0.8%/yr); year-one equity from $1k of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Wise County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 111 days — a 9% lower offer ($191k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $20k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• 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.

Recommended offer $174,094 (17.1% 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 111 days. Have you received any prior offers? Is the seller open to a 17% 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. 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: 0.83% ✗
• Cap rate: 5.86%
• Cash-on-cash: -1.55%
• DSCR: 0.93
• GRM: 10.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-0.82% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.3%
• Equity multiple: 0.68×
• Total profit: $-18,914
• Equity at exit: $52,508

10-year hold

• IRR: -0.7%
• Equity multiple: 0.94×
• Total profit: $-3,709
• Equity at exit: $56,700

Cash invested: $58,800 (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 76426

• Home prices YoY: -0.2%
• Active inventory: 340
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,741 medium
• Mortgage (P&I): −$1,101
• Tax est. 1.5%: −$262 /mo · $3,150/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$366
• Net cashflow: $-76

Break-even live

Break-even rent $1,837

Max offer price $199,014

Occupancy floor 99%

Sensitivity live

Price	-10% $69	-5% $-3	+0% $-76	+5% $-148	+10% $-221
Rent	-10% $-213	-5% $-145	+0% $-76	+5% $-7	+10% $62
Rate	-1.0pp $30	-0.5pp $-23	base $-76	+0.5pp $-130	+1.0pp $-186

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-21
   days on market $210,000 Active 111 DOM
2. 2026-06-18
   days on market $210,000 Active 108 DOM
3. 2026-06-17
   days on market $210,000 Active 107 DOM
4. 2026-06-16
   days on market $210,000 Active 106 DOM
5. 2026-06-15
   days on market $210,000 Active 105 DOM
6. 2026-06-13
   days on market $210,000 Active 103 DOM
7. 2026-06-13
   days on market $210,000 Active 102 DOM
8. 2026-06-09
   days on market $210,000 Active 99 DOM
9. 2026-06-08
   days on market $210,000 Active 98 DOM
10. 2026-06-07
    days on market $210,000 Active 97 DOM
11. 2026-06-04
    days on market $210,000 Active 94 DOM
12. 2026-06-03
    days on market $210,000 Active 93 DOM
13. 2026-06-02
    days on market $210,000 Active 92 DOM
14. 2026-06-01
    days on market $210,000 Active 91 DOM
15. 2026-05-31
    days on market $210,000 Active 90 DOM
16. 2026-04-03
    price $210,000 867-char remark

    Show marketing remark (867 chars)

    This brand-new 4 bedroom, 2 bath home sits on a spacious, nearly half acre corner lot just steps from Lake Bridgeport, with a neighborhood boat ramp for easy water access. Inside, you’ll find an open-concept layout designed for entertaining family and friends. The kitchen is equipped with a brand-new refrigerator, range, and dishwasher, with plenty of counter and cabinet space to make cooking a breeze. The primary suite features a spacious bathroom and a walk-in closet, giving you a true retreat. Thoughtful upgrades set this home apart, including a 2-car carport and custom-built front and back decks. With FHA, VA, USDA, and Conventional loan options available, this home is ready for any buyer. Whether you’re looking for a permanent residence or a lake retreat, this property offers comfort, style, and unbeatable location at an incredible price!

17. 2026-03-10
    price $220,000 867-char remark

    Show marketing remark (867 chars)

    This brand-new 4 bedroom, 2 bath home sits on a spacious, nearly half acre corner lot just steps from Lake Bridgeport, with a neighborhood boat ramp for easy water access. Inside, you’ll find an open-concept layout designed for entertaining family and friends. The kitchen is equipped with a brand-new refrigerator, range, and dishwasher, with plenty of counter and cabinet space to make cooking a breeze. The primary suite features a spacious bathroom and a walk-in closet, giving you a true retreat. Thoughtful upgrades set this home apart, including a 2-car carport and custom-built front and back decks. With FHA, VA, USDA, and Conventional loan options available, this home is ready for any buyer. Whether you’re looking for a permanent residence or a lake retreat, this property offers comfort, style, and unbeatable location at an incredible price!

18. 2026-03-02
    listed $230,000 Active 867-char remark

    Show marketing remark (867 chars)

    This brand-new 4 bedroom, 2 bath home sits on a spacious, nearly half acre corner lot just steps from Lake Bridgeport, with a neighborhood boat ramp for easy water access. Inside, you’ll find an open-concept layout designed for entertaining family and friends. The kitchen is equipped with a brand-new refrigerator, range, and dishwasher, with plenty of counter and cabinet space to make cooking a breeze. The primary suite features a spacious bathroom and a walk-in closet, giving you a true retreat. Thoughtful upgrades set this home apart, including a 2-car carport and custom-built front and back decks. With FHA, VA, USDA, and Conventional loan options available, this home is ready for any buyer. Whether you’re looking for a permanent residence or a lake retreat, this property offers comfort, style, and unbeatable location at an incredible price!

19. 2026-02-28
    historical
20. 2025-09-29
    listed $249,999 Active
21. 2010-11-05
    soldstatus
22. 2010-01-05
    soldstatus
23. 1993-08-20
    soldstatus

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥111°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 18% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,891
• − Mortgage interest: −$11,763
• − Property taxes: −$3,150
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,671
• − Management: −$1,671
• − Depreciation: −$6,109
• Taxable loss: −$4,524
• Est. tax savings @ 24.0%: +$1,086
• After-tax cash flow: $175/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: Bridgeport ISD
• NCES district ID: 4811340
• Math proficiency: 41% ▼ -4.00%
• Reading proficiency: 41% ▲ 3.00%
• Median HH income: $51,866
• Composite: 35.51/100
• National rank: #4913
• State rank: #356 of 826 in TX

Livability — Lake Bridgeport

• Score: 65/100
• State rank: #692
• US rank: #12943

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Wise County · 49,037 people
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 11,632
• Household income: $92,130
• Rent vs Own: 25.0% rent · 75.0% own
• Severe rent burden: 74.0

Population outlook (Wise County) Hauer SSP2

• Today (2025): 71,620 people
• By 2030: 75,858 · +5.9%
• By 2040: 83,908 · +17.2%
• By 2050: 90,717 · +26.7%
• By 2075: 107,583 · +50.2%
• By 2100: 114,996 · +60.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (60%)
• Race & ethnicity: White 60% Hispanic / Latino 32% Two or more races 9% Black 2% Asian 1% Native American 1%
• Hispanic origin (detail): Mexican 31%
• Common ancestry: Slovak 1% Lithuanian 1% Romanian 1%
• Foreign-born: 14% · Canada, Vietnam
• Languages at home: 72% English-only · Spanish 27%

Political lean MEDSL · Wise

• 2024 margin: Solid R (+70.0) · D 14.7% · R 84.7%
• 2008→2024 swing: -14.3pp toward R · 2008: -55.7pp · 2024: -70.0pp
• All cycles: 2024: R+70.0 2020: R+68.2 2016: R+69.9 2012: R+67.5 2008: R+55.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.82%
• Current HPI: 417.89
• Rent YoY: —
• Metro: Dallas-Fort Worth-Arlington, 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

-16.0% since first listed

8 events — show timeline

• 2026-04-03 Price Changed $210,000 NTREIS
• 2026-03-10 Price Changed $220,000 NTREIS
• 2026-03-02 Listed $230,000 NTREIS
• 2026-02-28 Listing Removed — NTREIS
• 2025-09-29 Listed $249,999 NTREIS
• 2010-11-05 Sold (Public Records) — Public Records
• 2010-01-05 Sold (Public Records) — Public Records
• 1993-08-20 Sold (Public Records) — Public Records

Property tax history

-4.4%/yr

Latest (2025): $38 · -22.0% YoY. Source: county tax records.