14927 Sheffield Ter · Channelview, TX 77530

$205,000

3 bd · 2.0 ba · 1,224 sqft · SingleFamily public records · 22 Days on market

Built 1978 6,098 sqft lot Est $191k · 7% over $23/mo HOA · 1% of rent

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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 +12.5/30.0
• Rent growth +5.0/5.0
• ARV discount +4.2/15.0
• 1% rule +3.9/10.0
• DSCR +3.7/10.0
• Livability +3.3/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this Beautiful renovated one-story home in much sought after Sterling Green. Curb appeal begins at the inviting front porch, as you enter you are greeted with a vaulted ceiling with exposed beam, and a stunning brick fireplace. The kitchen/dinning room opens to a bright living room with French doors that leads you directly to the backyard, perfect for indoor-outdoor living. A Super-size extended covered patio is perfect for family fun and entertaining. This well maintained home offers neutral paint inside and out, elegant tile flooring through-out home. Home is equipped with individual breaker for a back-up generator system. Updates include: extended covered back patio, ceramic t

Key facts

• Guest bath
• Brick fireplace
• Vaulted ceiling

Tags

• VAULTED CEILING
• EXPOSED BEAM
• BRICK FIREPLACE
• EXTENDED COVERED PATIO
• CERAMIC TILE
• GUEST BATH

Property features AI

Finance

• Other: Seller disclosure available
• HOA & community: Sterling Green association; Association fee $270 annually

Exterior

• Parking: Attached garage (2 spaces); Driveway parking
• Security: Prewired for security; Leased security system; Smoke detectors
• Utilities: Public water; Public sewer
• Home design: Residential property; Built in 1978; Slab foundation; Composition roof; Single‑story (entry level: first); Subdivision lot with side yard; Concrete road access
• Construction: Brick construction
• Exterior features: Covered patio; Deck; Patio; Private yard; Back yard fencing; Shed(s); Storage

Interior

• Kitchen: Electric oven; Free‑standing range; Disposal
• Bedrooms: Primary bedroom (First level, approximately 14x11); Bedroom (First level, approximately 13x12.5); Bedroom (First level, approximately 11x10)
• Flooring: Tile floors
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning (electric); Attic fan
• Interior features: Kitchen/Family room combo; Kitchen/Dining combo; Pantry; Tub/shower; Vanity; Window treatments; Programmable thermostat; Gas log fireplace (one)
• Laundry & utility: Washer hookup; Electric dryer hookup; Utility room (First level, approximately 8x5.7)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $205k.

Deal economics

• At list price, monthly cash flow is $-28 ($-342/yr) — negative.
• To cash-flow at today's rent, offer at most $200k (2.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $183k (10.8% below list).
• Recommended offer: $183k (10.8% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 4.8% in Channelview — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 66/100 on livability (#598 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Channelview ISD (suburban): math 27% / reading 30% proficiency, ranked #640 of 826 in TX (top 78%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Aguirre J H (math 24% / reading 28%, grade F, #1,222 of 1,662 statewide, top 74%, 975 students, 76% FRL); Channelview H S (math 24% / reading 35%, grade F, #1,112 of 1,632 statewide, top 70%, 2,893 students, 87% FRL).
• Market conditions: Rents rising fast (+16.9%/yr); 100 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); 29,883 units permitted in Harris County in 2024 (8,621 in 5+ unit buildings).
• This rent runs 35% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

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.
• Harris County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $46k; list at $205k implies a 346% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $182,907 (10.8% 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. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. 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?
8. 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.
9. 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.
10. 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: 0.89% ✗
• Cap rate: 6.13%
• Cash-on-cash: -0.60%
• DSCR: 0.97
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $190,944
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
919 Earlsferry Dr	0.05mi	3/2.0	1,205 (-2%)	7mo	$210,000	$174	89
14735 Lerner Dr	0.36mi	3/2.0	1,282 (+5%)	8mo	$219,000	$171	69
917 Holbech Ln	0.25mi	3/2.0	1,077 (-12%)	2mo	$125,000	$116	66
1034 Little Prt	0.39mi	3/2.0	1,319 (+8%)	4mo	$204,990	$155	66
814 Overbluff St	0.25mi	3/1.5	1,124 (-8%)	8mo	$189,000	$168	66
15014 Groveshire St	0.41mi	3/2.0	1,150 (-6%)	6mo	$190,000	$165	65
714 Donfield St	0.51mi	3/2.0	1,154 (-6%)	2mo	$139,990	$121	65
1123 Maclesby Ln	0.47mi	4/2.0 (+1)	1,176 (-4%)	5mo	$189,900	$161	62
14923 Lofton St	0.73mi	3/2.0	1,251 (+2%)	2mo	$194,990	$156	60
726 Brookview St	0.35mi	3/1.5	1,369 (+12%)	3mo	$190,000	$139	60
15116 Sheffield Ter	0.28mi	2/1.0 (-1)	1,087 (-11%)	2mo	$145,000	$133	57
751 Terryhollow St	0.56mi	3/2.0	1,099 (-10%)	8mo	$171,000	$156	50

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -11.6%
• Equity multiple: 0.56×
• Total profit: $-25,305
• Equity at exit: $30,566

10-year hold

• IRR: 3.9%
• Equity multiple: 1.35×
• Total profit: $19,876
• Equity at exit: $17,725

Cash invested: $57,400 (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 77530

• Rents YoY: 16.9%
• Active inventory: 100
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,829 medium
• Mortgage (P&I): −$1,075
• Tax from tax record: −$290 /mo · $3,480/yr
• Insurance: −$85
• HOA: −$23
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $-28

Break-even live

Break-even rent $1,865

Max offer price $199,966

Occupancy floor 97%

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: $51,250
• Closing costs: $6,150
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
15255 Ferness Ln Channelview, TX	4.0	2.0	1326	$1,668	$1.26	2d	10	0.58mi
1379 Dell Dale St Channelview, TX	4.0	2.0	1444	$1,893	$1.31	5d	1	1.02mi
13925 Alderson St Houston, TX	2.0	1.0	700	$1,273	$1.82	3d	1	1.38mi

HOA detail

• Monthly dues: $23 · $276/yr

Listing history 10 events

1. 2026-06-07
   days on market $205,000 Pending 22 DOM
2. 2026-06-04
   days on market $205,000 Pending 21 DOM
3. 2026-06-03
   days on market $205,000 Pending 20 DOM
4. 2026-06-02
   days on market $205,000 Pending 19 DOM
5. 2026-06-01
   days on market $205,000 Pending 18 DOM
6. 2026-05-31
   days on market $205,000 Pending 17 DOM
7. 2026-05-14
   listed $205,000 Active
8. 1999-07-16
   soldstatus
9. 1999-04-22
   soldstatus
10. 1992-05-01
    soldstatus $46,000

ⓘ 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: $3,480 · $290/mo
• Projected year-2 tax: $3,752 · $313/mo
• Expected delta: +$271/yr (+$23/mo · 7.8%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 70% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,949
• − Mortgage interest: −$11,483
• − Property taxes: −$3,480
• − Insurance: −$1,025
• − Repairs & maintenance: −$1,756
• − Management: −$1,756
• − HOA: −$276
• − Depreciation: −$5,964
• Taxable loss: −$3,791
• Est. tax savings @ 24.0%: +$910
• After-tax cash flow: $568/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: Channelview ISD
• NCES district ID: 4813590
• Math proficiency: 27% ▼ -22.00%
• Reading proficiency: 30% ▼ -8.00%
• Median HH income: $52,320
• Composite: 25.18/100
• National rank: #7513
• State rank: #640 of 826 in TX

Livability — Channelview

• Score: 66/100
• State rank: #598
• US rank: #11392

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Channelview, TX
• County: Harris County · 4,702,590 people
• City population: 31,527
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 31,527
• Household income: $62,195
• Rent vs Own: 30.2% rent · 69.8% own
• Severe rent burden: 966.0

Population outlook (Harris County) Hauer SSP2

• Today (2025): 5,571,493 people
• By 2030: 6,089,821 · +9.3%
• By 2040: 7,142,806 · +28.2%
• By 2050: 8,185,864 · +46.9%
• By 2075: 10,574,329 · +89.8%
• By 2100: 12,109,958 · +117.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (71%)
• Race & ethnicity: Hispanic / Latino 71% Two or more races 31% White 16% Black 9% Asian 4% Native American 1%
• Hispanic origin (detail): Mexican 61%
• Common ancestry: Slovak 1% Lithuanian 1%
• Foreign-born: 33% · Canada, Vietnam, Jamaica
• Languages at home: 37% English-only · Spanish 60% Other Asian/Pacific 1% Vietnamese 1%

Political lean MEDSL · Harris

• 2024 margin: Lean D (+5.5) · D 52.0% · R 46.4% · Other 1.6%
• 2008→2024 swing: +3.9pp toward D · 2008: 1.6pp · 2024: 5.5pp
• All cycles: 2024: D+5.5 2020: D+13.3 2016: D+12.4 2012: D+0.1 2008: D+1.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -172.05%
• Current HPI: 292.1862
• Rent YoY: ▲ 16.85%
• Metro: Houston-The Woodlands-Sugar Land, 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

+345.7% since first listed

4 events — show timeline

• 2026-05-14 Listed $205,000 HARMLS
• 1999-07-16 Sold (Public Records) — Public Records
• 1999-04-22 Sold (Public Records) — Public Records
• 1992-05-01 Sold (Public Records) $46,000 Public Records

Property tax history

+5.5%/yr

Latest (2025): $3,480 · +2.3% YoY. Source: county tax records.