9 S 19th St · Temple, TX 76504

$129,900

3 bd · 2.0 ba · 1,188 sqft · SingleFamily public records · 409 Days on market

Built 2000 5,000 sqft lot $109/sqft · at area comps Est $136k · at est. ↓ 27% since listing

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +12.1/30.0
• ARV discount +9.7/15.0
• 1% rule +5.0/10.0
• Livability +3.8/5.0
• DSCR +3.6/10.0
• Schools +2.7/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

Key facts

• 5,000 sq ft lot
• 2 parking spots
• Built 2000

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $-28 ($-338/yr) — negative.
• To cash-flow at today's rent, offer at most $125k (3.8% below list).
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.0% vs local median 3.6% in Temple — 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 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 278 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 409 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 3 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

• Watch-outs: property tax is 3.0% of price.
• Climate carrying-cost: major wind risk, 70% chance of damaging wind over 30y; extreme-heat days projected 6→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $114,312 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 409 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Crime grade is D 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: 1.00% ✓
• Cap rate: 6.03%
• Cash-on-cash: -0.93%
• DSCR: 0.96
• GRM: 8.3

CMA / ARV

• ARV (median comp): $136,463
• List price: $129,900
• Delta: -4.81%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1101 W Avenue C	0.22mi	3/2.0	1,276 (+7%)	15mo	$215,000	$168	64
109 N 11th St	0.27mi	2/1.0 (-1)	1,232 (+4%)	13mo	$69,000	$56	62
802 W Garfield Ave	0.55mi	3/1.0	1,136 (-4%)	2mo	$75,000	$66	61
1003 N 15th St	0.75mi	2/1.0 (-1)	1,204 (+1%)	1mo	$149,000	$124	53
918 S 19th St	0.69mi	2/2.0 (-1)	1,128 (-5%)	7mo	$89,000	$79	48
904 S 17th St	0.63mi	3/1.0	1,324 (+11%)	10mo	$175,000	$132	40
308 N 2nd St	0.68mi	3/2.0	1,296 (+9%)	21mo	$245,000	$189	36

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 · 0.33% rent growth · sell at horizon

5-year hold

• IRR: -21.3%
• Equity multiple: 0.28×
• Total profit: $-26,133
• Equity at exit: $19,369

10-year hold

• IRR: -24.6%
• Equity multiple: -0.04×
• Total profit: $-37,836
• Equity at exit: $11,231

Cash invested: $36,372 (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 76504

• Rents YoY: 0.3%
• Active inventory: 278
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,301 high
• Mortgage (P&I): −$681
• Tax from tax record: −$321 /mo · $3,847/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $-28

Break-even live

Break-even rent $1,337

Max offer price $124,918

Occupancy floor 97%

Sensitivity live

Price	-10% $45	-5% $9	+0% $-28	+5% $-65	+10% $-102
Rent	-10% $-131	-5% $-80	+0% $-28	+5% $23	+10% $75
Rate	-1.0pp $37	-0.5pp $5	base $-28	+0.5pp $-62	+1.0pp $-96

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
205 N 21st St Temple, TX	3.0	1.0	950	$998	$1.05	45d	1	0.22mi
420 S 27th St Temple, TX	2.0	2.0	1200	$1,395	$1.16	15d	1	0.44mi
806 S 23rd St Temple, TX	3.0	2.0	1000	$1,445	$1.45	15d	1	0.60mi
902 S 23rd St Temple, TX	3.0	1.0	1040	$1,200	$1.15	25d	1	0.65mi
717 N 3rd St Temple, TX	3.0	2.0	1281	$1,695	$1.32	23d	1	0.76mi
1802 West Avenue H Unit D Temple, TX	2.0	1.0	700	$850	$1.21	45d	1	0.77mi
1001 S 29th St Temple, TX	3.0	1.0	1080	$1,400	$1.30	25d	1	0.80mi
1205 S 17th St Temple, TX	2.0	1.0	840	$625	$0.74	25d	1	0.84mi
1201 S 25th St Temple, TX	2.0	1.0	852	$1,265	$1.48	25d	1	0.85mi
1117 S 9th St Unit B Temple, TX	3.0	1.0	900	$850	$0.94	25d	1	0.87mi
904 N Main St Temple, TX	3.0	1.5	1228	$1,300	$1.06	25d	1	0.89mi
720 Frank Weise Blvd Unit A Temple, TX	3.0	2.0	1400	$1,600	$1.14	15d	1	0.90mi
1107 S 33rd St Unit B Temple, TX	2.0	2.0	1009	$1,150	$1.14	15d	1	0.91mi
1101 S 3rd St Temple, TX	3.0	1.0	1404	$1,200	$0.85	25d	1	0.91mi
1305 S 21st St Temple, TX	2.0	1.0	900	$1,150	$1.28	45d	1	0.92mi
15 S 10th St Temple, TX	3.0	1.0	916	$950	$1.04	45d	1	0.92mi
1002 S 2nd St Temple, TX	3.0	1.0	1064	$1,325	$1.25	23d	1	0.95mi
619 N 8th St Unit a Temple, TX	3.0	2.0	872	$999	$1.15	15d	1	0.98mi
814 S Martin Luther King Blvd Temple, TX	3.0	2.0	1035	$1,100	$1.06	15d	1	1.02mi
701 East Avenue A Unit A Temple, TX	3.0	2.0	1090	$1,349	$1.24	15d	1	1.06mi
1407 S 5th St Temple, TX	3.0	2.5	1300	$1,465	$1.13	15d	1	1.08mi
1511 S 11th St Temple, TX	2.0	1.0	735	$1,095	$1.49	15d	1	1.09mi
2406 Saulsbury Dr Temple, TX	1.0–2.0	1.0–2.0	935	$950	$1.02	15d	2	1.12mi
1518 S 7th St Temple, TX	2.0	1.0	965	$1,100	$1.14	25d	1	1.13mi
2405A Patrick Henry St Temple, TX	2.0	2.0	1071	$1,101	$1.03	25d	1	1.14mi
2401 Paul Revere St Temple, TX	3.0	2.0	1200	$1,295	$1.08	45d	1	1.16mi
1409 S 35th St Temple, TX	2.0	1.0	1000	$1,195	$1.20	45d	1	1.16mi
1615 S 11th St Temple, TX	2.0	1.0	1076	$1,995	$1.85	15d	1	1.16mi
505 S 16th St Temple, TX	3.0	2.0	1090	$1,070	$0.98	15d	1	1.17mi
509 S 16th St Temple, TX	3.0	2.0	1090	$1,065	$0.98	15d	1	1.17mi
1321 S 39th St Temple, TX	2.0	2.0	1006	$1,200	$1.19	45d	1	1.17mi
703 S 16th St Temple, TX	3.0	2.0	1090	$1,035	$0.95	15d	1	1.21mi
501 Henderson St Temple, TX	4.0	2.0	1223	$1,050	$0.86	15d	1	1.22mi
503 Henderson St Temple, TX	3.0	2.0	1090	$1,015	$0.93	15d	1	1.22mi
214 E Munroe Ave Temple, TX	3.0	2.0	1084	$1,200	$1.11	45d	1	1.22mi
1020 S 12th St Unit 12th St unit 1020 A Temple, TX	3.0	2.5	1355	$1,475	$1.09	45d	1	1.22mi
2414 Bunker Hill Dr Unit B Temple, TX	2.0	1.5	1054	$1,195	$1.13	45d	1	1.24mi
708 Henderson St Temple, TX	3.0	2.0	1090	$1,025	$0.94	15d	1	1.24mi
2212 Bellmont Temple, TX	3.0	2.0	1182	$1,495	$1.26	23d	1	1.26mi
518 S Knob St Unit B Temple, TX	3.0	2.0	1090	$1,015	$0.93	15d	1	1.26mi

Listing history 43 events

1. 2026-06-22
   days on market $129,900 Active 409 DOM
2. 2026-06-18
   days on market $129,900 Active 406 DOM
3. 2026-06-17
   days on market $129,900 Active 405 DOM
4. 2026-06-16
   days on market $129,900 Active 404 DOM
5. 2026-06-15
   days on market $129,900 Active 403 DOM
6. 2026-06-14
   days on market $129,900 Active 401 DOM
7. 2026-06-10
   days on market $129,900 Active 398 DOM
8. 2026-06-09
   days on market $129,900 Active 397 DOM
9. 2026-06-08
   days on market $129,900 Active 396 DOM
10. 2026-06-07
    days on market $129,900 Active 395 DOM
11. 2026-06-03
    days on market $129,900 Active 391 DOM
12. 2026-06-02
    days on market $129,900 Active 390 DOM
13. 2026-06-01
    days on market $129,900 Active 389 DOM
14. 2026-05-31
    days on market $129,900 Active 388 DOM
15. 2026-05-30
    days on market $129,900 Active 387 DOM
16. 2026-05-01
    price $129,900 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

17. 2026-04-24
    price $129,999 617-char remark

    Show marketing remark (617 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St.

18. 2026-04-08
    price $129,999 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

19. 2026-03-28
    listed $130,000 Active 617-char remark

    Show marketing remark (617 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St.

20. 2026-03-12
    price $130,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

21. 2026-02-25
    historical
22. 2026-02-05
    price $134,900 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

23. 2026-01-29
    price $135,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

24. 2025-12-06
    price $143,000
25. 2025-12-04
    price $142,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

26. 2025-11-20
    price $143,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

27. 2025-11-06
    price $145,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

28. 2025-10-21
    price $146,500
29. 2025-10-09
    price $146,500 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

30. 2025-09-19
    price $147,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

31. 2025-09-17
    price $163,000
32. 2025-09-04
    price $150,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

33. 2025-07-31
    price $160,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

34. 2025-07-17
    price $165,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

35. 2025-06-20
    price $166,000

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

36. 2025-06-20
    price $165,990 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

37. 2025-06-08
    listed $169,000 Active
38. 2025-05-29
    price $169,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

39. 2025-05-29
    price $159,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

40. 2025-05-29
    price $169,000 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

41. 2025-05-08
    listed $179,000 Active 619-char remark

    Show marketing remark (619 chars)

    Seize this incredible turnkey investment opportunity in Temple! This well-maintained 3-bedroom property already features a long-term tenant of 8 years, ensuring immediate and steady rental income. Ideal for investors looking for passive income without the hassle of finding new occupants. Nestled in a desirable location, this property boasts strong rental appeal, offering comfort, convenience, and reliability. Whether you're expanding your portfolio or stepping into real estate investment, this income-producing gem is ready for you! Can bundle together with the two properties on either side, 15 and 5 S 19th St. .

42. 2000-01-18
    soldstatus
43. 1995-06-06
    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: $3,847 · $321/mo
• Projected year-2 tax: $3,847 · $321/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 3/10 Moderate
• 🌡 Heat 7/10 Severe 6 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 70% 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: $15,611
• − Mortgage interest: −$7,276
• − Property taxes: −$3,847
• − Insurance: −$650
• − Repairs & maintenance: −$1,249
• − Management: −$1,249
• − Depreciation: −$3,779
• Taxable loss: −$2,439
• Est. tax savings @ 24.0%: +$585
• After-tax cash flow: $247/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: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 26,166
• Household income: $52,803
• Rent vs Own: 68.6% rent · 31.4% own
• Severe rent burden: 1489.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 49% Hispanic / Latino 29% Black 15% Two or more races 14% Asian 1%
• Hispanic origin (detail): Mexican 24% Puerto Rican 2%
• Common ancestry: Italian 2% Romanian 2% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -159.28%
• Current HPI: 186.1148
• Rent YoY: ▲ 0.33%
• Metro: Killeen-Temple, 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

-27.4% since first listed

28 events — show timeline

• 2026-05-01 Price Changed $129,900 Unlock MLS
• 2026-04-24 Price Changed $129,999 CTXMLS
• 2026-04-08 Price Changed $129,999 Unlock MLS
• 2026-03-28 Listed $130,000 CTXMLS
• 2026-03-12 Price Changed $130,000 Unlock MLS
• 2026-02-25 Listing Removed — CTXMLS
• 2026-02-05 Price Changed $134,900 Unlock MLS
• 2026-01-29 Price Changed $135,000 Unlock MLS
• 2025-12-06 Price Changed $143,000 CTXMLS
• 2025-12-04 Price Changed $142,000 Unlock MLS
• 2025-11-20 Price Changed $143,000 Unlock MLS
• 2025-11-06 Price Changed $145,000 Unlock MLS
• 2025-10-21 Price Changed $146,500 CTXMLS
• 2025-10-09 Price Changed $146,500 Unlock MLS
• 2025-09-19 Price Changed $147,000 Unlock MLS
• 2025-09-17 Price Changed $163,000 CTXMLS
• 2025-09-04 Price Changed $150,000 Unlock MLS
• 2025-07-31 Price Changed $160,000 Unlock MLS
• 2025-07-17 Price Changed $165,000 Unlock MLS
• 2025-06-20 Price Changed $166,000 CTXMLS
• 2025-06-20 Price Changed $165,990 Unlock MLS
• 2025-06-08 Listed $169,000 CTXMLS
• 2025-05-29 Price Changed $169,000 Unlock MLS
• 2025-05-29 Price Changed $159,000 Unlock MLS
• 2025-05-29 Price Changed $169,000 Unlock MLS
• 2025-05-08 Listed $179,000 Unlock MLS
• 2000-01-18 Sold (Public Records) — Public Records
• 1995-06-06 Sold (Public Records) — Public Records

Property tax history

+8.3%/yr

Latest (2025): $3,847 · -9.4% YoY. Source: county tax records.