10402 Rocky Trl · Rosenberg, TX 77417

$251,990

4 bd · 2.0 ba · 1,644 sqft · Land · 50 Days on market

Built 2026 $131/mo HOA · 4% of rent

---

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 +20.0/30.0
• ARV discount +7.5/15.0
• Appreciation +7.1/10.0
• DSCR +6.3/10.0
• 1% rule +4.7/10.0
• Schools +4.6/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

Key facts

• Walk-in closet
• Single-level layout
• 2 garage spots

Tags

• SINGLE-LEVEL LAYOUT
• OPEN-CONCEPT FLOORPLAN
• SPA-INSPIRED BATHROOM
• WALK-IN CLOSET

Property features AI

Finance

• HOA & community: HOA managed by RealManage Family of Brands; Annual association fee

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer
• Home design: Residential property; Under construction (new construction); Single-story (all main rooms listed are on the first floor)
• Construction: Built in 2026; Brick and cement siding exterior; Composition roof; Slab foundation
• Exterior features: Back yard fence

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Gas oven; Gas range
• Bedrooms: Primary bedroom on first floor (approx. 14 x 12); Three additional bedrooms on first floor (approx. 11 x 10; 10 x 10; 10 x 10)
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric and gas); Central air conditioning (electric and gas)
• Interior features: Breakfast bar; Kitchen/family room combo; Separate shower; Tub/shower
• Laundry & utility: Washer hookup; Electric dryer hookup; Gas dryer hookup

🏗️ New construction. The $251,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $304,669.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $252k.

Deal economics

• At list price, monthly cash flow is $373 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $252k).
• Recommended offer: $244k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 3.4% in Rosenberg — 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 62/100 on livability (#922 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: schools D-, amenities F, commute F.
• Lamar CISD (suburban): math 50% / reading 53% proficiency, ranked #116 of 826 in TX (top 14%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 232 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 12,093 units permitted in Fort Bend County in 2024 (815 in 5+ unit buildings).

Forward outlook

• In year one you build about $15k of equity ($2k loan paydown + $13k appreciation (4.2% local appreciation)).
• Fort Bend County population projected at +75% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (4.2% appreciation + 3.0% rent growth), your $85k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($244k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts 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

• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $244,430 (3.0% below list)

Questions for the listing agent

1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.97% ✗
• Cap rate: 7.76%
• Cash-on-cash: 5.25%
• DSCR: 1.23
• GRM: 8.6

CMA / ARV

• ARV (median comp): $304,669
• List price: $251,990
• Delta: -17.29%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

4.15% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 15.3%
• Equity multiple: 1.93×
• Total profit: $79,431
• Equity at exit: $157,208

10-year hold

• IRR: 16.2%
• Equity multiple: 3.66×
• Total profit: $227,127
• Equity at exit: $259,335

Cash invested: $85,307 (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 77417

• Home prices YoY: 1.2%
• Active inventory: 232
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $2,965 medium
• Mortgage (P&I): −$1,598
• Tax from tax record: −$114 /mo · $1,363/yr
• Insurance: −$127
• HOA: −$131
• Vacancy / Maint / Mgmt: −$623
• Net cashflow: $373

Break-even live

Break-even rent $2,493

Max offer price $304,669

Occupancy floor 82%

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: $76,167
• Closing costs: $9,140
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10730 Sky Creek Ln Beasley, TX	3.0–4.0	2.0–2.5	1869	$2,965	$1.59	1d	1	0.95mi

HOA detail

• Monthly dues: $131 · $1,572/yr

Listing history 50 events

1. 2026-06-18
   days on market $251,990 Active 50 DOM
2. 2026-06-17
   days on market $251,990 Active 49 DOM
3. 2026-06-16
   days on market $251,990 Active 48 DOM
4. 2026-06-15
   remarks 597-char remark
5. 2026-06-15
   days on market $251,990 Active 47 DOM
6. 2026-06-13
   days on market $251,990 Active 45 DOM
7. 2026-06-10
   pricedays on market $251,990 Active 41 DOM
8. 2026-06-08
   days on market $256,990 Active 40 DOM
9. 2026-06-07
   days on market $256,990 Active 39 DOM
10. 2026-06-04
    days on market $256,990 Active 36 DOM
11. 2026-06-03
    days on market $256,990 Active 35 DOM
12. 2026-06-02
    days on market $256,990 Active 34 DOM
13. 2026-06-01
    days on market $256,990 Active 33 DOM
14. 2026-05-31
    days on market $256,990 Active 32 DOM
15. 2026-04-29
    listed $249,990 Active 564-char remark
16. 2026-04-29
    historical
17. 2026-04-13
    status Active
18. 2026-04-10
    status Active

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

19. 2026-04-10
    price $249,990

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

20. 2026-04-02
    price $249,990
21. 2025-12-22
    status Pending
22. 2025-12-22
    price $274,990
23. 2025-12-21
    historical

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

24. 2025-12-20
    historical
25. 2025-12-12
    price $250,000

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

26. 2025-12-11
    price $250,000
27. 2025-12-05
    price $250,840

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

28. 2025-12-04
    price $251,840

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

29. 2025-12-04
    price $250,840

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

30. 2025-12-03
    price $250,840
31. 2025-11-22
    price $251,840

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

32. 2025-11-21
    price $256,440

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

33. 2025-11-21
    price $251,840

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

34. 2025-11-20
    price $251,840
35. 2025-11-19
    price $256,440

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

36. 2025-11-18
    price $264,440

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

37. 2025-11-18
    price $256,440

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

38. 2025-11-17
    price $264,440
39. 2025-11-07
    price $269,040

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

40. 2025-11-06
    price $269,040
41. 2025-11-04
    price $259,990

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

42. 2025-11-03
    price $259,990
43. 2025-11-02
    price $250,940

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

44. 2025-11-01
    price $250,940
45. 2025-10-28
    price $255,490

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

46. 2025-10-28
    price $255,490

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

47. 2025-10-14
    price $250,990

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

48. 2025-10-14
    price $250,990

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

49. 2025-10-02
    price $259,990

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

50. 2025-10-01
    listed $247,990 Active

    Show marketing remark (377 chars)

    This new home offers simple living with a convenient single-level layout. An open-concept floorplan combines the kitchen, living and dining areas for simple entertaining and multitasking. Three secondary bedrooms are tucked away to the side of the home, and the owner's suite is nestled into a private rear corner, offering access to a spa-inspired bathroom and walk-in closet.

ⓘ 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: $1,363 · $114/mo
• Projected year-2 tax: $4,611 · $384/mo
• Expected delta: +$3,249/yr (+$271/mo · 238.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 36% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥110°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,580
• − Mortgage interest: −$17,066
• − Property taxes: −$1,363
• − Insurance: −$1,523
• − Repairs & maintenance: −$2,846
• − Management: −$2,846
• − HOA: −$1,572
• − Depreciation: −$8,863
• Taxable loss: −$500
• Est. tax savings @ 24.0%: +$120
• After-tax cash flow: $4,598/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: Lamar CISD
• NCES district ID: 4826580
• Math proficiency: 50% ▼ -12.00%
• Reading proficiency: 53% ▼ -4.00%
• Median HH income: $75,213
• Composite: 46.43/100
• National rank: #2452
• State rank: #116 of 826 in TX

Livability — Rosenberg

• Score: 62/100
• State rank: #922
• US rank: #16414

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 115,151
• Population (ZIP): 3,232

Population outlook (Fort Bend County) Hauer SSP2

• Today (2025): 1,004,526 people
• By 2030: 1,153,104 · +14.8%
• By 2040: 1,453,718 · +44.7%
• By 2050: 1,753,781 · +74.6%
• By 2075: 2,455,772 · +144.5%
• By 2100: 2,930,528 · +191.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (67%)
• Race & ethnicity: Hispanic / Latino 67% Two or more races 49% White 22% Black 8%
• Hispanic origin (detail): Mexican 54%
• Common ancestry: Italian 2% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 76% English-only · Spanish 24%

Political lean MEDSL · Fort Bend

• 2024 margin: Toss-up / Even · D 49.5% · R 47.9% · Other 2.6%
• 2008→2024 swing: +4.0pp toward D · 2008: -2.4pp · 2024: 1.6pp
• All cycles: 2024: D+1.6 2020: D+10.6 2016: D+6.6 2012: R+6.8 2008: R+2.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.15%
• Current HPI: 337.8236
• 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

+1.6% since first listed

41 events — show timeline

• 2026-06-09 Price Changed $251,990 Zillow
• 2026-06-08 Price Changed $251,990 HARMLS
• 2026-05-27 Price Changed $256,990 Zillow
• 2026-05-26 Price Changed $256,990 HARMLS
• 2026-04-29 Listing Removed — HARMLS
• 2026-04-29 Listed $249,990 HARMLS
• 2026-04-13 Relisted — HARMLS
• 2026-04-10 Relisted — Zillow
• 2026-04-10 Price Changed $249,990 Zillow
• 2026-04-02 Price Changed $249,990 HARMLS
• 2025-12-22 Pending — HARMLS
• 2025-12-22 Price Changed $274,990 HARMLS
• 2025-12-21 Delisted — Zillow
• 2025-12-20 Listing Removed — HARMLS
• 2025-12-12 Price Changed $250,000 Zillow
• 2025-12-11 Price Changed $250,000 HARMLS
• 2025-12-05 Price Changed $250,840 Zillow
• 2025-12-04 Price Changed $251,840 Zillow
• 2025-12-04 Price Changed $250,840 Zillow
• 2025-12-03 Price Changed $250,840 HARMLS
• 2025-11-22 Price Changed $251,840 Zillow
• 2025-11-21 Price Changed $256,440 Zillow
• 2025-11-21 Price Changed $251,840 Zillow
• 2025-11-20 Price Changed $251,840 HARMLS
• 2025-11-19 Price Changed $256,440 Zillow
• 2025-11-18 Price Changed $264,440 Zillow
• 2025-11-18 Price Changed $256,440 HARMLS
• 2025-11-17 Price Changed $264,440 HARMLS
• 2025-11-07 Price Changed $269,040 Zillow
• 2025-11-06 Price Changed $269,040 HARMLS
• 2025-11-04 Price Changed $259,990 Zillow
• 2025-11-03 Price Changed $259,990 HARMLS
• 2025-11-02 Price Changed $250,940 Zillow
• 2025-11-01 Price Changed $250,940 HARMLS
• 2025-10-28 Price Changed $255,490 Zillow
• 2025-10-28 Price Changed $255,490 HARMLS
• 2025-10-14 Price Changed $250,990 Zillow
• 2025-10-14 Price Changed $250,990 HARMLS
• 2025-10-02 Price Changed $259,990 Zillow
• 2025-10-01 Listed $247,990 Zillow
• 2025-09-30 Listed $247,990 HARMLS