615 Lubbock · New Braunfels, TX 78132

$190,000

4 bd · 3.0 ba · 2,146 sqft · SingleFamily public records · 51 Days on market

Built 2006 6,621 sqft lot $89/sqft · 29% below area Est $266k · 29% under $32/mo HOA · 2% of rent

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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).

• ARV discount +15.0/15.0
• Cash flow +13.6/30.0
• 1% rule +5.2/10.0
• Schools +5.2/10.0
• Livability +4.2/5.0
• DSCR +4.1/10.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

Key facts

• Easy access to ih-35
• Roof was replaced
• 6,621 sq ft lot

Tags

• ROOF WAS REPLACED
• EASY ACCESS TO IH-35

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $12 ($139/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $184k (3.0% below list) — sets the bar for market timing.
• Cap rate 6.4% vs local median 3.4% in New Braunfels — 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 83/100 on livability (#9 in TX, #925 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, housing A+, health & safety A+; Watch: commute F.
• Comal ISD (rural): math 57% / reading 59% proficiency, ranked #58 of 826 in TX (top 7%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents soft (-2.3%/yr); 1136 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 3,420 units permitted in Comal County in 2024 (1,164 in 5+ unit buildings).
• This rent is only 17% of the median local income ($135k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Comal County population projected at +70% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts; this cycle's ask is 15% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.
• Climate carrying-cost: severe wind risk, 80% 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 $184,300 (3.0% below list)

Questions for the listing agent

1. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.02% ✓
• Cap rate: 6.37%
• Cash-on-cash: 0.26%
• DSCR: 1.01
• GRM: 8.2

CMA / ARV

• ARV (median comp): $266,214
• List price: $190,000
• Delta: -28.63%
• 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
615 Lubbock	0.00mi	4/2.5	2,146 (0%)	0mo	$190,000	$89	98
3679 Archer Blvd	0.13mi	4/2.5	2,224 (+4%)	1mo	$225,000	$101	85
3513 Tilden Trl	0.05mi	4/2.5	2,334 (+9%)	2mo	$245,000	$105	80
3828 Northaven Trl	0.36mi	4/3.0	2,210 (+3%)	0mo	$294,000	$133	78
3848 Northaven Trl	0.39mi	4/3.0	2,210 (+3%)	1mo	$290,000	$131	76
3816 Northaven	0.34mi	4/3.0	2,024 (-6%)	3mo	$265,000	$131	72
3832 Northaven	0.36mi	4/3.0	2,024 (-6%)	3mo	$269,990	$133	71
688 Community	0.30mi	4/3.5	2,394 (+12%)	2mo	$299,500	$125	63
3840 Northaven Trl	0.38mi	4/2.0	1,904 (-11%)	1mo	$245,000	$129	59
726 Bee Ridge Pt	0.40mi	4/2.0	1,904 (-11%)	2mo	$250,000	$131	57
3840 Swift Fox Rd	0.55mi	4/2.5	1,867 (-13%)	1mo	$238,999	$128	50
4026 Belden	0.72mi	4/2.5	2,347 (+9%)	3mo	$275,000	$117	47

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -19.8%
• Equity multiple: 0.33×
• Total profit: $-35,562
• Equity at exit: $28,330

10-year hold

• IRR: -22.5%
• Equity multiple: 0.04×
• Total profit: $-51,286
• Equity at exit: $16,428

Cash invested: $53,200 (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

3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Methodology + full state rankings →

ZIP-level market 78132

• Rents YoY: -2.3%
• Active inventory: 1136
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,933 high
• Mortgage (P&I): −$996
• Tax from tax record: −$408 /mo · $4,895/yr
• Insurance: −$79
• HOA: −$32
• Vacancy / Maint / Mgmt: −$406
• Net cashflow: $12

Break-even live

Break-even rent $1,918

Max offer price $190,000

Occupancy floor 94%

Sensitivity live

Price	-10% $119	-5% $65	+0% $12	+5% $-42	+10% $-96
Rent	-10% $-141	-5% $-65	+0% $12	+5% $88	+10% $164
Rate	-1.0pp $107	-0.5pp $60	base $12	+0.5pp $-38	+1.0pp $-88

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
713 Killdeer Trl New Braunfels, TX	4.0	2.0	1668	$1,700	$1.02	45d	1	0.27mi
740 Bullsnake Trl New Braunfels, TX	3.0	2.0	1440	$1,650	$1.15	45d	1	0.30mi
751 Bullsnake Trl New Braunfels, TX	3.0	2.0	1440	$1,650	$1.15	25d	1	0.32mi
754 Tower Hill Vw New Braunfels, TX	3.0	2.0	1402	$1,650	$1.18	4d	1	0.42mi
3645 Swift Fox Rd New Braunfels, TX	4.0	2.0	1600	$1,695	$1.06	45d	1	0.43mi
3889 Northhaven Trl Santa Clara, TX	3.0	2.5	1920	$1,680	$0.88	45d	1	0.50mi
755 Wonderland Trl New Braunfels, TX	3.0	2.5	1937	$1,699	$0.88	17d	1	0.52mi
755 Wonderland Trl New Braunfels, TX	3.0	2.5	1937	$1,699	$0.88	5d	1	0.52mi
3967 Cherokee Blvd New Braunfels, TX	3.0	2.0	1425	$1,695	$1.19	25d	1	0.52mi
3729 Wentz Hill Dr New Braunfels, TX	3.0	2.0	1550	$1,595	$1.03	17d	1	0.55mi
3936 Northaven Trl New Braunfels, TX	4.0	2.5	2347	$1,897	$0.81	45d	1	0.55mi
3200 Falconhead New Braunfels, TX	3.0	2.5	2076	$2,500	$1.20	3d	1	0.60mi
3964 Northaven Trl New Braunfels, TX	5.0	2.5	2470	$2,050	$0.83	12d	1	0.60mi
3953 Prairie Crk New Braunfels, TX	5.0	2.5	2470	$2,200	$0.89	12d	1	0.61mi
3939 Trail de Paris New Braunfels, TX	4.0	2.5	2356	$1,800	$0.76	45d	1	0.65mi
3939 Trail de Paris New Braunfels, TX	4.0	2.5	2356	$1,799	$0.76	13d	1	0.65mi
3951 Trail de Paris New Braunfels, TX	5.0	2.5	2470	$2,100	$0.85	3d	1	0.67mi
4019 Belden Trl New Braunfels, TX	4.0	2.5	2356	$1,870	$0.79	13d	1	0.71mi
3161 Birch Bnd New Braunfels, TX	4.0	3.0	2622	$2,500	$0.95	3d	1	0.72mi
4028 Northaven Trl New Braunfels, TX	4.0	2.5	2347	$2,100	$0.89	3d	1	0.75mi
772 Vista Pkwy New Braunfels, TX	4.0	2.0	1536	$1,750	$1.14	25d	1	0.87mi
3050 Button Ball New Braunfels, TX	4.0	2.5	2913	$2,500	$0.86	3d	1	0.96mi
2960 Nicholas Cv New Braunfels, TX	3.0	2.0	2000	$2,000	$1.00	3d	1	0.98mi
810 Shady Brk Marion, TX	5.0	2.5	2470	$1,830	$0.74	21d	1	1.04mi
3027 Pine Valley Dr New Braunfels, TX	3.0	2.0	1406	$1,500	$1.07	45d	1	1.06mi
906 Shady Holw New Braunfels, TX	4.0	2.5	2356	$1,875	$0.80	25d	1	1.09mi
914 Shady Holw New Braunfels, TX	4.0	2.5	2356	$1,900	$0.81	25d	1	1.09mi
410 S Water Ln New Braunfels, TX	4.0	2.0	1963	$1,900	$0.97	45d	1	1.10mi
946 Shady Brk Marion, TX	4.0	2.5	2356	$1,875	$0.80	25d	1	1.13mi
950 Shady Brk Marion, TX	4.0	2.5	2356	$1,900	$0.81	45d	1	1.13mi
962 Shady Brk Marion, TX	4.0	2.5	2356	$1,875	$0.80	25d	1	1.15mi
3012 Douglas Fir Dr New Braunfels, TX	3.0	2.0	1447	$1,475	$1.02	21d	1	1.15mi
447 S Water Ln New Braunfels, TX	4.0	3.0	2913	$500	$0.17	12d	1	1.15mi
419 Aaron Ln New Braunfels, TX	4.0	2.0	1940	$1,750	$0.90	25d	1	1.24mi
2018 Reserve Way New Braunfels, TX	4.0	2.0	2023	$2,795	$1.38	17d	1	1.27mi
316 Loma Vista St Unit 316 New Braunfels, TX	3.0	2.0	1650	$1,350	$0.82	45d	1	1.28mi
314 Loma Vista St New Braunfels, TX	3.0	2.0	1650	$1,350	$0.82	16d	1	1.28mi
314 Loma Vista St New Braunfels, TX	3.0	2.0	1650	$1,350	$0.82	45d	1	1.28mi
2700 Farm to Market Road 1044 Unit 4x New Braunfels, TX	4.0	3.5	1776	$1,780	$1.00	5d	1	1.40mi
2700 Farm to Market Road 1044 Unit 3-3x New Braunfels, TX	3.0	2.5	1490	$1,611	$1.08	5d	1	1.40mi

HOA detail

• Monthly dues: $32 · $384/yr

Listing history 26 events

1. 2026-06-08
   status $190,000 Pending 51 DOM
2. 2026-06-07
   days on market $190,000 Active Option 51 DOM
3. 2026-06-04
   days on market $190,000 Active Option 48 DOM
4. 2026-06-03
   days on market $190,000 Active Option 47 DOM
5. 2026-06-02
   days on market $190,000 Active Option 46 DOM
6. 2026-06-01
   days on market $190,000 Active Option 45 DOM
7. 2026-05-31
   days on market $190,000 Active Option 44 DOM
8. 2026-05-18
   historical Active Under Contract 554-char remark

   Show marketing remark (554 chars)

   Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

9. 2026-05-18
   historical Active Option 554-char remark

   Show marketing remark (554 chars)

   Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

10. 2026-05-13
    status Active 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

11. 2026-05-13
    status Back on Market 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

12. 2026-05-04
    historical Active Under Contract 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

13. 2026-05-04
    historical Active Option 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

14. 2026-04-30
    price $190,000 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

15. 2026-04-30
    status Active 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

16. 2026-04-30
    price $190,000 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

17. 2026-04-30
    status Back on Market 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

18. 2026-01-28
    status Pending 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

19. 2026-01-28
    status Pending 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

20. 2026-01-20
    historical Active Under Contract 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

21. 2026-01-20
    historical Active Option 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

22. 2026-01-18
    price $170,000 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

23. 2026-01-17
    price $170,000 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

24. 2026-01-15
    listed $165,000 New 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

25. 2026-01-15
    listed $165,000 Active 554-char remark

    Show marketing remark (554 chars)

    Investor special with strong potential! This 4-bedroom, 2.5-bath home offers a functional layout featuring a primary bedroom with two closets and generously sized secondary bedrooms. Roof was replaced in 2021. HVAC condition is unknown; some work was attempted but system is not currently operational and utilities are off. Property is being sold as-is. Ideal opportunity for investors looking to renovate for a flip or long-term rental. Conveniently located with easy access to IH-35, providing proximity to shopping, dining, and major commuting routes.

26. 2016-07-01
    soldstatus

ⓘ 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: $4,895 · $408/mo
• Projected year-2 tax: $4,895 · $408/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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,196
• − Mortgage interest: −$10,643
• − Property taxes: −$4,895
• − Insurance: −$950
• − Repairs & maintenance: −$1,856
• − Management: −$1,856
• − HOA: −$384
• − Depreciation: −$5,527
• Taxable loss: −$2,915
• Est. tax savings @ 24.0%: +$700
• After-tax cash flow: $838/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: Comal ISD
• NCES district ID: 4814730
• Math proficiency: 57% ▼ -9.00%
• Reading proficiency: 59% ▼ -2.00%
• Median HH income: $74,792
• Composite: 51.79/100
• National rank: #1671
• State rank: #58 of 826 in TX

Livability — New Braunfels

• Score: 83/100
• State rank: #9
• US rank: #925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New Braunfels, TX
• County: Comal County · 206,262 people
• City population: 144,962
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 40,953
• Household income: $135,315
• Rent vs Own: 12.5% rent · 87.5% own
• Severe rent burden: 264.0

Population outlook (Comal County) Hauer SSP2

• Today (2025): 175,637 people
• By 2030: 199,911 · +13.8%
• By 2040: 249,436 · +42.0%
• By 2050: 299,430 · +70.5%
• By 2075: 423,857 · +141.3%
• By 2100: 512,048 · +191.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 21% Two or more races 13% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 16% Puerto Rican 1%
• Common ancestry: Slovak 4% Italian 3% Serbian 3%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 9% Other Indo-European 1%

Political lean MEDSL · Comal

• 2024 margin: Solid R (+45.5) · D 26.8% · R 72.2%
• 2008→2024 swing: +1.9pp toward D · 2008: -47.4pp · 2024: -45.5pp
• All cycles: 2024: R+45.5 2020: R+42.7 2016: R+50.1 2012: R+54.1 2008: R+47.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -139.57%
• Current HPI: 202.432
• Rent YoY: ▼ -2.32%
• 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

+15.2% since first listed

19 events — show timeline

• 2026-05-18 Contingent — CTXMLS
• 2026-05-18 Contingent — LERA
• 2026-05-13 Relisted — CTXMLS
• 2026-05-13 Relisted — LERA
• 2026-05-04 Contingent — CTXMLS
• 2026-05-04 Contingent — LERA
• 2026-04-30 Price Changed $190,000 LERA
• 2026-04-30 Relisted — CTXMLS
• 2026-04-30 Price Changed $190,000 CTXMLS
• 2026-04-30 Relisted — LERA
• 2026-01-28 Pending — CTXMLS
• 2026-01-28 Pending — LERA
• 2026-01-20 Contingent — CTXMLS
• 2026-01-20 Contingent — LERA
• 2026-01-18 Price Changed $170,000 LERA
• 2026-01-17 Price Changed $170,000 CTXMLS
• 2026-01-15 Listed $165,000 LERA
• 2026-01-15 Listed $165,000 CTXMLS
• 2016-07-01 Sold (Public Records) — Public Records

Property tax history

+3.1%/yr

Latest (2026): $4,895 · -3.4% YoY. Source: county tax records.