5576 Helm Ln · Morgan's Point Resort, TX 76502

$148,700

3 bd · 2.0 ba · 1,232 sqft · Manufactured public records · 148 Days on market

Built 1982 10,010 sqft lot $121/sqft · 107% above area $11/mo HOA · 1% of rent

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Why this score? — see what drove the B- 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.0/10.0
• ARV discount +7.5/15.0
• Schools +3.8/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

Key facts

• Low hoa fees
• No through traffic
• Roof was replaced

Tags

• CENTRAL HEATING AND AIR
• ENCLOSED PATIO
• COMMUNITY WITH A POOL
• LOW HOA FEES
• NO THROUGH TRAFFIC
• ROOF WAS REPLACED

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $149k.

Deal economics

• At list price, monthly cash flow is $733 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Recommended offer: $131k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.2% vs local median 2.5% in Morgan's Point Resort — 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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Belton ISD (suburban): math 39% / reading 46% proficiency, ranked #285 of 826 in TX (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.8%/yr); 1114 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).
• This rent runs 30% of the median local income ($82k/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 $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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $42k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 148 days — a 12% lower offer ($131k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 2y ago 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: major wind risk, 77% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $130,856 (12.0% below list)

Questions for the listing agent

1. It's been on market 148 days. Have you received any prior offers? Is the seller open to a 12% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.40% ✓
• Cap rate: 12.21%
• Cash-on-cash: 21.13%
• DSCR: 1.94
• GRM: 5.9

CMA / ARV

• ARV (median comp): $71,750
• List price: $148,700
• Delta: 107.25%
• Verdict: OVERPRICED
• Comps: 2 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5588 Helm Ln	0.04mi	3/2.0	1,056 (-14%)	4mo	$73,500	$70	71

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: 10.3%
• Equity multiple: 1.39×
• Total profit: $16,440
• Equity at exit: $22,172

10-year hold

• IRR: 17.0%
• Equity multiple: 2.22×
• Total profit: $50,653
• Equity at exit: $12,857

Cash invested: $41,636 (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 76502

• Rents YoY: -0.8%
• Active inventory: 1114
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $2,086 medium
• Mortgage (P&I): −$780
• Tax from tax record: −$62 /mo · $748/yr
• Insurance: −$62
• HOA: −$11
• Vacancy / Maint / Mgmt: −$438
• Net cashflow: $733

Break-even live

Break-even rent $1,158

Max offer price $148,700

Occupancy floor 60%

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: $37,175
• Closing costs: $4,461
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13550 Kuykendall Mountain Rd Temple, TX	3.0	2.0	1008	$2,800	$2.78	43d	1	0.44mi
14572 Kuykendall Mountain Rd Temple, TX	2.0	2.0	1114	$1,200	$1.08	43d	1	0.71mi

HOA detail

• Monthly dues: $11 · $132/yr
• Likely covers: pool

Listing history 50 events

1. 2026-06-18
   days on market $148,700 Active 148 DOM
2. 2026-06-17
   days on market $148,700 Active 147 DOM
3. 2026-06-16
   days on market $148,700 Active 146 DOM
4. 2026-06-15
   days on market $148,700 Active 145 DOM
5. 2026-06-14
   days on market $148,700 Active 143 DOM
6. 2026-06-13
   pricedays on market $148,700 Active 142 DOM
7. 2026-06-09
   days on market $148,800 Active 139 DOM
8. 2026-06-08
   days on market $148,800 Active 138 DOM
9. 2026-06-07
   days on market $148,800 Active 137 DOM
10. 2026-06-05
    days on market $148,800 Active 134 DOM
11. 2026-06-03
    days on market $148,800 Active 133 DOM
12. 2026-06-02
    days on market $148,800 Active 132 DOM
13. 2026-06-01
    days on market $148,800 Active 131 DOM
14. 2026-05-31
    days on market $148,800 Active 130 DOM
15. 2026-05-30
    days on market $148,800 Active 129 DOM
16. 2026-05-16
    price $148,900 1203-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

17. 2026-05-16
    price $148,900 1195-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

18. 2026-05-07
    price $149,200

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

19. 2026-05-07
    price $149,000 1195-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

20. 2026-05-07
    price $149,000 1203-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

21. 2026-04-24
    price $149,300

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

22. 2026-04-24
    price $149,100 1195-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

23. 2026-04-24
    price $149,100 1203-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

24. 2026-04-10
    price $149,400

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

25. 2026-04-10
    price $149,200 1203-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

26. 2026-04-10
    price $149,200 1195-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

27. 2026-04-03
    price $149,500

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

28. 2026-04-03
    price $149,300 1195-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

29. 2026-04-03
    price $149,300 1203-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

30. 2026-03-26
    price $149,600

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

31. 2026-03-26
    price $149,400 1203-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

32. 2026-03-26
    price $149,400 1195-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

33. 2026-03-13
    price $149,500 1203-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

34. 2026-03-13
    price $149,500 1195-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

35. 2026-03-13
    price $149,700

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

36. 2026-03-06
    price $149,800

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

37. 2026-03-06
    price $149,600 1203-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

38. 2026-03-06
    price $149,600 1195-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

39. 2026-02-26
    price $149,700 1195-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

40. 2026-02-26
    price $149,700 1203-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

41. 2026-02-21
    price $149,800 1203-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

42. 2026-02-21
    price $149,800 1195-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

43. 2026-01-21
    listed $149,900 Active 1203-char remark

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

44. 2026-01-21
    listed $149,900 Active

    Show marketing remark (1203 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi-open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off the Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living, such as the lack of noise, less light pollution, and no through traffic. Being out of city limits and yet only 10 miles from downtown Temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed, so the house is empty, ready to explore and visualize your dreams.

45. 2026-01-20
    listed $149,900 Active 1195-char remark

    Show marketing remark (1195 chars)

    Homeownership is possible with this affordable and move-in-ready home. The property features central heating and air across all three bedrooms and an enclosed patio to enjoy the outdoors. and comfortable living spaces throughout. The living room provides a central transition point between the dining area and the bedrooms. Providing a semi open concept that allows for conversation but still provides privacy and spatial separation. Take a deep breath when you arrive, the wind coming off Lake Belton not only provides cleaner air but also helps cool the outdoors in the heat of summer. The home has access to a community with a pool and LOW HOA fees, which keeps ownership costs manageable with a high value proposition. You can enjoy the amenities of rural living such as the lack of noise, less light pollution, and no thru traffic. Being out of city limits and yet only 10 miles from downtown temple. The roof was replaced in August 2024, providing added peace of mind for years to come. A solid option for a first-time buyer, downsizer, or anyone seeking a well-maintained home in a growing area. Staging has been removed so the house is empty, ready to explore and visualize your dreams.

46. 2025-08-07
    historical $1,325
47. 2025-07-15
    listed $1,325
48. 2025-07-14
    historical $1,200
49. 2025-06-30
    historical
50. 2025-05-29
    price $150,000

ⓘ 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: $748 · $62/mo
• Projected year-2 tax: $2,721 · $227/mo
• Expected delta: +$1,974/yr (+$164/mo · 264.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 77% 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: $25,034
• − Mortgage interest: −$8,330
• − Property taxes: −$748
• − Insurance: −$744
• − Repairs & maintenance: −$2,003
• − Management: −$2,003
• − HOA: −$132
• − Depreciation: −$4,326
• Taxable income: $6,750
• Est. tax owed @ 24.0%: −$1,620
• After-tax cash flow: $7,176/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: Belton ISD
• NCES district ID: 4809860
• Math proficiency: 39% ▼ -14.00%
• Reading proficiency: 46% ▼ -4.00%
• Median HH income: $61,239
• Composite: 37.62/100
• National rank: #4378
• State rank: #285 of 826 in TX

Livability — Morgan's Point Resort

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Bell County · 345,090 people
• Metro: Killeen-Temple, TX
• Population (ZIP): 52,669
• Household income: $82,088
• Rent vs Own: 35.9% rent · 64.1% own
• Severe rent burden: 1890.0

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 0.59)
• Race & ethnicity: White 58% Hispanic / Latino 26% Two or more races 15% Black 9% Asian 3%
• Hispanic origin (detail): Mexican 21% Puerto Rican 2%
• Common ancestry: Italian 2% Slovak 2% Serbian 1%
• Foreign-born: 7% · Canada, South Korea, China
• Languages at home: 86% English-only · Spanish 10% Other Indo-European 1% Korean 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: ▼ -216.80%
• Current HPI: 166.927
• Rent YoY: ▼ -0.79%
• 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

+9506.5% since first listed

64 events — show timeline

• 2026-05-16 Price Changed $148,900 Unlock MLS
• 2026-05-16 Price Changed $148,900 CTXMLS
• 2026-05-07 Price Changed $149,200 NTREIS
• 2026-05-07 Price Changed $149,000 CTXMLS
• 2026-05-07 Price Changed $149,000 Unlock MLS
• 2026-04-24 Price Changed $149,300 NTREIS
• 2026-04-24 Price Changed $149,100 CTXMLS
• 2026-04-24 Price Changed $149,100 Unlock MLS
• 2026-04-10 Price Changed $149,400 NTREIS
• 2026-04-10 Price Changed $149,200 Unlock MLS
• 2026-04-10 Price Changed $149,200 CTXMLS
• 2026-04-03 Price Changed $149,500 NTREIS
• 2026-04-03 Price Changed $149,300 CTXMLS
• 2026-04-03 Price Changed $149,300 Unlock MLS
• 2026-03-26 Price Changed $149,600 NTREIS
• 2026-03-26 Price Changed $149,400 Unlock MLS
• 2026-03-26 Price Changed $149,400 CTXMLS
• 2026-03-13 Price Changed $149,500 Unlock MLS
• 2026-03-13 Price Changed $149,500 CTXMLS
• 2026-03-13 Price Changed $149,700 NTREIS
• 2026-03-06 Price Changed $149,800 NTREIS
• 2026-03-06 Price Changed $149,600 Unlock MLS
• 2026-03-06 Price Changed $149,600 CTXMLS
• 2026-02-26 Price Changed $149,700 CTXMLS
• 2026-02-26 Price Changed $149,700 Unlock MLS
• 2026-02-21 Price Changed $149,800 Unlock MLS
• 2026-02-21 Price Changed $149,800 CTXMLS
• 2026-01-21 Listed $149,900 NTREIS
• 2026-01-21 Listed $149,900 Unlock MLS
• 2026-01-20 Listed $149,900 CTXMLS
• 2025-08-07 Rental Removed $1,325 CTXMLS
• 2025-07-15 Listed for Rent $1,325 CTXMLS
• 2025-07-14 Rental Removed $1,200 SHOWMOJO
• 2025-06-30 Listing Removed — CTXMLS
• 2025-05-29 Price Changed $150,000 CTXMLS
• 2025-05-28 Listed for Rent $1,200 SHOWMOJO
• 2025-05-23 Price Changed $165,000 CTXMLS
• 2025-05-15 Price Changed $175,000 CTXMLS
• 2025-04-28 Price Changed $165,000 CTXMLS
• 2025-04-22 Price Changed $169,990 CTXMLS
• 2025-04-08 Listed $175,000 CTXMLS
• 2024-11-22 Listing Removed — CTXMLS
• 2024-11-01 Rental Removed $1,375 CTXMLS
• 2024-10-23 Price Changed $165,000 CTXMLS
• 2024-10-17 Price Changed $1,375 CTXMLS
• 2024-10-14 Price Changed $150,000 CTXMLS
• 2024-09-28 Price Changed $160,000 CTXMLS
• 2024-09-26 Price Changed $1,425 CTXMLS
• 2024-09-25 Price Changed $164,995 CTXMLS
• 2024-09-12 Price Changed $165,000 CTXMLS
• 2024-09-12 Listed for Rent $1,450 CTXMLS
• 2024-09-03 Price Changed $170,000 CTXMLS
• 2024-09-01 Rental Removed $1,500 CTXMLS
• 2024-08-23 Price Changed $1,500 CTXMLS
• 2024-08-22 Listed $175,000 CTXMLS
• 2024-07-29 Listed for Rent $1,550 CTXMLS
• 2024-07-09 Rental Removed $1,550 CTXMLS
• 2024-06-25 Listed for Rent $1,550 CTXMLS
• 2024-06-05 Rental Removed $1,550 CTXMLS
• 2024-05-18 Listed for Rent $1,550 CTXMLS
• 2020-02-10 Sold (Public Records) — Public Records
• 2017-03-22 Sold (Public Records) — Public Records
• 2002-04-29 Sold (Public Records) — Public Records
• 1980-11-12 Sold (Public Records) — Public Records

Property tax history

+5.8%/yr

Latest (2025): $748 · +10.6% YoY. Source: county tax records.