528 W Florence · Denison, TX
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 6/10 · Moderate
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 23.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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).
- ARV discount +15.0/15.0
- Cash flow +10.2/30.0
- 1% rule +4.1/10.0
- Schools +3.7/10.0
- Livability +3.7/5.0
- DSCR +2.9/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$165,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This well-maintained 3-bedroom, 2-bath home is now available for sale—previously leased and perfect for either personal living or investment. Inside, you’ll find a comfortable, move-in-ready layout with inviting living spaces. The property features a spacious yard, ideal for outdoor relaxation or play, plus a detached garage offering additional storage or workshop space. A large storm shelter adds peace of mind and practicality. Whether you’re looking for a home you can settle into right away or a reliable rental property, this one checks all the boxes. Offered at a great price, it’s a smart opportunity you don’t want to miss!
Key facts
- Spacious yard
- Large storm shelter
- Detached garage
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $165k.
Deal economics
- At list price, monthly cash flow is $-94 ($-1k/yr) — negative.
- To cash-flow at today's rent, offer at most $148k (10.1% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $150k (9.4% below list).
- Recommended offer: $148k (10.1% below list) — sets the bar for cash-flow.
- Cap rate 5.6% vs local median 3.9% in Denison — 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 73/100 on livability (#221 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: health & safety D+, amenities F, commute F.
- Denison ISD (urban): math 43% / reading 44% proficiency, ranked #315 of 826 in TX (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Lamar El (math 37% / reading 32%, grade F, #1,995 of 4,322 statewide, top 50%, 478 students, 70% FRL); Henry Scott Middle (math 36% / reading 48%, grade D-, #572 of 1,662 statewide, top 36%, 749 students, 66% FRL); Denison H S (math 53% / reading 53%, grade C-, #437 of 1,632 statewide, top 27%, 1,310 students, 58% FRL).
- Market conditions: Rents flat; 492 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,272 units permitted in Grayson County in 2024 (750 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
- Grayson County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- It's been on market 102 days — a 9% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 5y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
- 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.
Questions for the listing agent
- 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?
- It's been on market 102 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
- Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 0.91% ✗
- Cap rate
- 5.61%
- Cash-on-cash
- -2.45%
- DSCR
- 0.89
- GRM
- 9.2
CMA / ARV
- ARV (median comp)
- $214,660
- List price
- $165,000
- Delta
- -23.13%
- 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 |
|---|---|---|---|---|---|---|---|
| 607 W Baker St | 0.23mi | 3/2.0 | 1,235 (+5%) | 4mo | $215,900 | $175 | 77 |
| 513 W Coffin St | 0.06mi | 3/1.0 | 1,049 (-11%) | 2mo | $62,500 | $60 | 74 |
| 923 Dubois St | 0.51mi | 3/2.0 | 1,148 (-2%) | 6mo | $89,000 | $78 | 68 |
| 926 Baker St | 0.47mi | 3/2.0 | 1,128 (-4%) | 8mo | $202,500 | $180 | 65 |
| 617 W Bullock St | 0.44mi | 3/1.0 | 1,236 (+5%) | 4mo | $75,000 | $61 | 64 |
| 125 Mark Dr | 0.53mi | 3/2.0 | 1,076 (-8%) | 2mo | $175,000 | $163 | 60 |
| 907 Thatcher St | 0.54mi | 3/2.0 | 1,280 (+9%) | 2mo | $99,000 | $77 | 58 |
| 621 W Brock St | 0.38mi | 3/1.0 | 1,350 (+15%) | 1mo | $160,000 | $119 | 52 |
| 509 W Acheson St | 0.57mi | 3/1.0 | 1,281 (+9%) | 6mo | $133,900 | $105 | 49 |
| 124 Mark Dr | 0.52mi | 2/1.5 (-1) | 1,020 (-13%) | 3mo | $139,900 | $137 | 45 |
| 908 W Murray St | 0.69mi | 3/2.0 | 1,300 (+11%) | 7mo | $230,000 | $177 | 44 |
| 211 W Murray St | 0.72mi | 3/2.0 | 1,314 (+12%) | 7mo | $235,000 | $179 | 41 |
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 · 0.05% rent growth · sell at horizon
- IRR
- -24.1%
- Equity multiple
- 0.20×
- Total profit
- $-36,944
- Equity at exit
- $24,602
- IRR
- -32.8%
- Equity multiple
- -0.22×
- Total profit
- $-56,148
- Equity at exit
- $14,266
Cash invested: $46,200 (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
ZIP-level market 75020
- Rents YoY
- 0.1%
- Active inventory
- 492
- Price-to-rent
- 9.2×
Monthly cashflow live
- Estimated rent
- $1,496 high interval (Pro) →
- Mortgage (P&I)
- −$865
- Tax from tax record
- −$342 /mo · $4,101/yr
- Insurance
- −$69
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$314
- Net cashflow
- $-94
Break-even live
Sensitivity live
| Price | -10% $-1 | -5% $-48 | +0% $-94 | +5% $-141 | +10% $-188 |
|---|---|---|---|---|---|
| Rent | -10% $-212 | -5% $-153 | +0% $-94 | +5% $-35 | +10% $24 |
| Rate | -1.0pp $-11 | -0.5pp $-52 | base $-94 | +0.5pp $-137 | +1.0pp $-180 |
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
- $41,250
- Closing costs
- $4,950
- 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 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 615 W Coffin St Denison, TX | 2.0 | 1.0 | 800 | $1,250 | $1.56 | 23d | 1 | 0.07mi |
| 2400 S Barrett Ave Denison, TX | 3.0 | 2.0 | 1090 | $1,349 | $1.24 | 45d | 1 | 0.11mi |
| 531 W Collins St Unit NA Denison, TX | 4.0 | 2.0 | 1080 | $1,560 | $1.44 | 23d | 1 | 0.17mi |
| 2516 S Fannin Ave Denison, TX | 3.0 | 2.0 | 1246 | $1,425 | $1.14 | 23d | 1 | 0.19mi |
| 811 W Coffin St Denison, TX | 3.0 | 2.5 | 1422 | $1,600 | $1.13 | 45d | 1 | 0.22mi |
| 2624 S Fannin Ave Denison, TX | 3.0 | 2.5 | 1322 | $1,500 | $1.13 | 45d | 1 | 0.26mi |
| 604 Star St Denison, TX | 3.0 | 2.0 | 1202 | $1,500 | $1.25 | 45d | 1 | 0.32mi |
| 725 W Brock St Denison, TX | 3.0 | 1.5 | 1349 | $1,450 | $1.07 | 23d | 1 | 0.43mi |
| 1931 Ave a Denison, TX | 4.0 | 3.0 | 1450 | $1,695 | $1.17 | 45d | 1 | 0.46mi |
| 740 W Bullock St Denison, TX | 2.0 | 1.0 | 1000 | $1,250 | $1.25 | 23d | 1 | 0.47mi |
| 1001 Star St Denison, TX | 2.0 | 1.0 | 1160 | $1,575 | $1.36 | 23d | 1 | 0.52mi |
| 1021 Rice St Unit 102 Denison, TX | 2.0 | 2.0 | 1013 | $1,125 | $1.11 | 45d | 1 | 0.54mi |
| 1527 S Austin Ave Denison, TX | 1.0–2.0 | 1.0–1.5 | 850 | $999 | $1.18 | 23d | 2 | 0.60mi |
| 1050 Dubois St Denison, TX | 3.0 | 1.0 | 1284 | $1,195 | $0.93 | 23d | 1 | 0.66mi |
| 108 W Acheson St Denison, TX | 3.0 | 2.0 | 1056 | $1,550 | $1.47 | 45d | 1 | 0.68mi |
| 1225 W Hanna St Denison, TX | 3.0 | 1.5 | 1500 | $1,600 | $1.07 | 45d | 1 | 0.78mi |
| 214 E Acheson St Denison, TX | 2.0 | 1.0 | 963 | $1,499 | $1.56 | 46d | 1 | 0.79mi |
| 818 W Texas St Denison, TX | 3.0 | 1.0 | 720 | $1,100 | $1.53 | 23d | 1 | 0.87mi |
| 1011 S Armstrong Ave Unit A Denison, TX | 2.0 | 1.0 | 1400 | $1,500 | $1.07 | 45d | 1 | 0.90mi |
| 120 E Monterey St Unit 120 Denison, TX | 2.0 | 1.0 | 800 | $900 | $1.12 | 46d | 1 | 0.92mi |
| 224 W Hull St Unit A Denison, TX | 2.0 | 1.0 | 743 | $1,250 | $1.68 | 45d | 1 | 0.95mi |
| 526 W Munson St Denison, TX | 2.0 | 1.0 | 778 | $849 | $1.09 | 23d | 2 | 0.98mi |
| 526 W Munson St Unit 2 Denison, TX | 2.0 | 1.0 | 778 | $999 | $1.28 | 45d | 1 | 0.98mi |
| 114 E Hull St Denison, TX | 2.0 | 2.0 | 1279 | $1,450 | $1.13 | 45d | 1 | 1.03mi |
| 1011 S Perry Ave Denison, TX | 2.0 | 2.0 | 1079 | $1,350 | $1.25 | 45d | 1 | 1.04mi |
| 523 E Hanna St Denison, TX | 3.0 | 2.0 | 1344 | $1,595 | $1.19 | 45d | 1 | 1.04mi |
| 412 W Day St Denison, TX | 2.0 | 1.0 | 900 | $1,200 | $1.33 | 23d | 1 | 1.06mi |
| 1309 S 5th Ave Denison, TX | 3.0 | 2.5 | 1224 | $1,375 | $1.12 | 45d | 1 | 1.06mi |
| 404 W Day St Denison, TX | 3.0 | 2.0 | 1057 | $1,500 | $1.42 | 23d | 1 | 1.07mi |
| 1309 S 5th Ave #1309 Denison, TX | 3.0 | 2.5 | 1224 | $1,325 | $1.08 | 45d | 1 | 1.07mi |
| 1309 S 5th Ave Unit 1311 Denison, TX | 3.0 | 2.5 | 1224 | $1,350 | $1.10 | 45d | 1 | 1.07mi |
| 505 E Heron St Denison, TX | 2.0 | 1.0 | 1096 | $1,250 | $1.14 | 45d | 1 | 1.12mi |
| 507 E Heron St Denison, TX | 2.0 | 1.0 | 1096 | $1,250 | $1.14 | 45d | 1 | 1.12mi |
| 509 E Heron St Denison, TX | 2.0 | 1.0 | 1324 | $1,250 | $0.94 | 45d | 1 | 1.13mi |
| 921 W Day St Denison, TX | 3.0 | 2.0 | 1212 | $1,500 | $1.24 | 45d | 1 | 1.14mi |
| 517 E Heron St Denison, TX | 3.0 | 2.0 | 1232 | $1,550 | $1.26 | 45d | 1 | 1.14mi |
| 705 E Hanna St Denison, TX | 3.0 | 2.0 | 1314 | $1,600 | $1.22 | 45d | 1 | 1.16mi |
| 630 E Acheson St Denison, TX | 2.0 | 1.0 | 816 | $1,225 | $1.50 | 23d | 1 | 1.18mi |
| 1022 W Shepherd St #1022 Denison, TX | 3.0 | 2.5 | 1322 | $1,450 | $1.10 | 23d | 1 | 1.21mi |
| 809 S Travis Ave Denison, TX | 3.0 | 2.0 | 1490 | $1,595 | $1.07 | 45d | 1 | 1.26mi |
Listing history 31 events
-
2026-06-22days on market $165,000 Active 102 DOM
-
2026-06-19days on market $165,000 Active 100 DOM
-
2026-06-18days on market $165,000 Active 99 DOM
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2026-06-17days on market $165,000 Active 98 DOM
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2026-06-16days on market $165,000 Active 97 DOM
-
2026-06-15days on market $165,000 Active 96 DOM
-
2026-06-14days on market $165,000 Active 94 DOM
-
2026-06-13days on market $165,000 Active 93 DOM
-
2026-06-10days on market $165,000 Active 91 DOM
-
2026-06-09days on market $165,000 Active 90 DOM
-
2026-06-08days on market $165,000 Active 89 DOM
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2026-06-07days on market $165,000 Active 88 DOM
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2026-06-05days on market $165,000 Active 85 DOM
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2026-06-03days on market $165,000 Active 84 DOM
-
2026-06-02days on market $165,000 Active 83 DOM
-
2026-06-01days on market $165,000 Active 82 DOM
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2026-05-31days on market $165,000 Active 81 DOM
-
2026-05-30days on market $165,000 Active 80 DOM
-
2026-05-12price $165,000 670-char remark
Show marketing remark (670 chars)
This well-maintained 3-bedroom, 2-bath home is now available for sale—previously leased and perfect for either personal living or investment. Inside, you’ll find a comfortable, move-in-ready layout with inviting living spaces. The property features a spacious yard, ideal for outdoor relaxation or play, plus a detached garage offering additional storage or workshop space. A large storm shelter adds peace of mind and practicality. Whether you’re looking for a home you can settle into right away or a reliable rental property, this one checks all the boxes. Offered at a great price, it’s a smart opportunity you don’t want to miss!
-
2026-03-11$175,000 Active 670-char remark
Show marketing remark (670 chars)
This well-maintained 3-bedroom, 2-bath home is now available for sale—previously leased and perfect for either personal living or investment. Inside, you’ll find a comfortable, move-in-ready layout with inviting living spaces. The property features a spacious yard, ideal for outdoor relaxation or play, plus a detached garage offering additional storage or workshop space. A large storm shelter adds peace of mind and practicality. Whether you’re looking for a home you can settle into right away or a reliable rental property, this one checks all the boxes. Offered at a great price, it’s a smart opportunity you don’t want to miss!
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2022-01-27soldstatus
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2021-11-12soldstatus
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2021-11-11soldstatus Sold 586-char remark
Show marketing remark (586 chars)
Charming and well-maintained home in this historic and beautiful city, Eisenhower’s birthplace. 3 bedrooms, 2 full baths, detached garage, covered front porch ready for your rocking chair, back covered entertainment area for outdoor gatherings, and a bonus storm shelter. Excellent neighborhood close to historic downtown and just a few miles away from beautiful Lake Texoma. The home has been remodeled with new vinyl flooring, interior paint, plumbing, a new electrical panel, lighting, and a new roof. New HVAC system installed. Priced to move, schedule your appointment today.
-
2021-11-08status Pending 586-char remark
Show marketing remark (586 chars)
Charming and well-maintained home in this historic and beautiful city, Eisenhower’s birthplace. 3 bedrooms, 2 full baths, detached garage, covered front porch ready for your rocking chair, back covered entertainment area for outdoor gatherings, and a bonus storm shelter. Excellent neighborhood close to historic downtown and just a few miles away from beautiful Lake Texoma. The home has been remodeled with new vinyl flooring, interior paint, plumbing, a new electrical panel, lighting, and a new roof. New HVAC system installed. Priced to move, schedule your appointment today.
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2021-10-30historical Active Option Contract 586-char remark
Show marketing remark (586 chars)
Charming and well-maintained home in this historic and beautiful city, Eisenhower’s birthplace. 3 bedrooms, 2 full baths, detached garage, covered front porch ready for your rocking chair, back covered entertainment area for outdoor gatherings, and a bonus storm shelter. Excellent neighborhood close to historic downtown and just a few miles away from beautiful Lake Texoma. The home has been remodeled with new vinyl flooring, interior paint, plumbing, a new electrical panel, lighting, and a new roof. New HVAC system installed. Priced to move, schedule your appointment today.
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2021-08-19price $159,500 586-char remark
Show marketing remark (586 chars)
Charming and well-maintained home in this historic and beautiful city, Eisenhower’s birthplace. 3 bedrooms, 2 full baths, detached garage, covered front porch ready for your rocking chair, back covered entertainment area for outdoor gatherings, and a bonus storm shelter. Excellent neighborhood close to historic downtown and just a few miles away from beautiful Lake Texoma. The home has been remodeled with new vinyl flooring, interior paint, plumbing, a new electrical panel, lighting, and a new roof. New HVAC system installed. Priced to move, schedule your appointment today.
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2021-07-07price $163,500 586-char remark
Show marketing remark (586 chars)
Charming and well-maintained home in this historic and beautiful city, Eisenhower’s birthplace. 3 bedrooms, 2 full baths, detached garage, covered front porch ready for your rocking chair, back covered entertainment area for outdoor gatherings, and a bonus storm shelter. Excellent neighborhood close to historic downtown and just a few miles away from beautiful Lake Texoma. The home has been remodeled with new vinyl flooring, interior paint, plumbing, a new electrical panel, lighting, and a new roof. New HVAC system installed. Priced to move, schedule your appointment today.
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2021-07-06status Active 586-char remark
Show marketing remark (586 chars)
Charming and well-maintained home in this historic and beautiful city, Eisenhower’s birthplace. 3 bedrooms, 2 full baths, detached garage, covered front porch ready for your rocking chair, back covered entertainment area for outdoor gatherings, and a bonus storm shelter. Excellent neighborhood close to historic downtown and just a few miles away from beautiful Lake Texoma. The home has been remodeled with new vinyl flooring, interior paint, plumbing, a new electrical panel, lighting, and a new roof. New HVAC system installed. Priced to move, schedule your appointment today.
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2021-06-29historical Active Option Contract 586-char remark
Show marketing remark (586 chars)
Charming and well-maintained home in this historic and beautiful city, Eisenhower’s birthplace. 3 bedrooms, 2 full baths, detached garage, covered front porch ready for your rocking chair, back covered entertainment area for outdoor gatherings, and a bonus storm shelter. Excellent neighborhood close to historic downtown and just a few miles away from beautiful Lake Texoma. The home has been remodeled with new vinyl flooring, interior paint, plumbing, a new electrical panel, lighting, and a new roof. New HVAC system installed. Priced to move, schedule your appointment today.
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2021-06-18$157,000 Active 586-char remark
Show marketing remark (586 chars)
Charming and well-maintained home in this historic and beautiful city, Eisenhower’s birthplace. 3 bedrooms, 2 full baths, detached garage, covered front porch ready for your rocking chair, back covered entertainment area for outdoor gatherings, and a bonus storm shelter. Excellent neighborhood close to historic downtown and just a few miles away from beautiful Lake Texoma. The home has been remodeled with new vinyl flooring, interior paint, plumbing, a new electrical panel, lighting, and a new roof. New HVAC system installed. Priced to move, schedule your appointment today.
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2021-04-21soldstatus
ⓘ 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
- $4,101 · $342/mo
- Projected year-2 tax
- $4,101 · $342/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 FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 5/10 Major
- Heat 6/10 Major 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
- Wind 4/10 Moderate 23% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 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
- $17,948
- − Mortgage interest
- −$9,243
- − Property taxes
- −$4,101
- − Insurance
- −$825
- − Repairs & maintenance
- −$1,436
- − Management
- −$1,436
- − Depreciation
- −$4,800
- Taxable loss
- −$3,892
- Est. tax savings @ 24.0%
- +$934
- After-tax cash flow
- $-196/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
- Denison ISD
- NCES district ID
- 4816710
- Math proficiency
- 43% ▼ -7.00%
- Reading proficiency
- 44% ▼ -3.00%
- Median HH income
- $41,650
- Composite
- 36.6/100
- National rank
- #4629
- State rank
- #315 of 826 in TX
Livability — Denison
- Score
- 73/100
- State rank
- #221
- US rank
- #5428
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Denison, TX
- County
- Grayson County · 108,053 people
- City population
- 34,008
- Metro
- Sherman-Denison, TX
- Population (ZIP)
- 24,835
- Household income
- $71,605
- Rent vs Own
- Severe rent burden
- 997.0
Population outlook (Grayson County) Hauer SSP2
- Today (2025)
- 134,540 people
- By 2030
- 138,653 · +3.1%
- By 2040
- 145,958 · +8.5%
- By 2050
- 151,218 · +12.4%
- By 2075
- 161,802 · +20.3%
- By 2100
- 159,036 · +18.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (73%)
- Race & ethnicity
- White 73% Hispanic / Latino 13% Two or more races 9% Black 6%
- Hispanic origin (detail)
- Mexican 11%
- Common ancestry
- Slovak 5% Serbian 2% Portuguese 2%
- Foreign-born
- 4% · Canada
- Languages at home
- 93% English-only · Spanish 6%
Political lean MEDSL · Grayson
- 2024 margin
- Solid R (+54.3) · D 22.5% · R 76.7%
- 2008→2024 swing
- -16.4pp toward R · 2008: -37.9pp · 2024: -54.3pp
- All cycles
- 2024: R+54.3 2020: R+49.9 2016: R+53.1 2012: R+48.0 2008: R+37.9
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -295.96%
- Current HPI
- 257.1806
- Rent YoY
- ▬ 0.05%
- Metro
- Sherman-Denison, 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 |
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| Technology | 5 | $198B |
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| Engineering / Construction | 4 | $72B |
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| Energy Services | 3 | $60B |
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| Utilities | 3 | $41B |
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| Healthcare | 2 | $330B |
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Price history
+5.1% since first listed13 events — show timeline
- 2026-05-12 Price Changed $165,000 NTREIS
- 2026-03-11 Listed $175,000 NTREIS
- 2022-01-27 Sold (Public Records) — Public Records
- 2021-11-12 Sold (Public Records) — Public Records
- 2021-11-11 Sold (MLS) — NTREIS
- 2021-11-08 Pending — NTREIS
- 2021-10-30 Contingent — NTREIS
- 2021-08-19 Price Changed $159,500 NTREIS
- 2021-07-07 Price Changed $163,500 NTREIS
- 2021-07-06 Relisted — NTREIS
- 2021-06-29 Contingent — NTREIS
- 2021-06-18 Listed $157,000 NTREIS
- 2021-04-21 Sold (Public Records) — Public Records
Property tax history
+6.6%/yrLatest (2025): $4,101 · +4.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…