12619 Kathleen St · St. Hedwig, TX 78152

$219,500

4 bd · 2.0 ba · 1,483 sqft · SingleFamily · 61 Days on market

Built 2025 Good condition 4,791 sqft lot $148/sqft · 11% above area Est $197k · 11% over $17/mo HOA · 1% of rent ↓ 9% 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 +15.3/30.0
• Appreciation +5.6/10.0
• DSCR +4.7/10.0
• Condition / age +4.0/5.0
• 1% rule +3.0/10.0
• Livability +2.5/5.0
• ARV discount +2.3/15.0
• Rent growth +2.3/5.0
• Schools +1.9/10.0

Listing remarks MLS

The Hoffman- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location at the front of the home, complemented by an en-suite bathroom and walk-in closet. There are three secondary bedrooms just off the main living areas, which are comfortable spaces for household members and overnight guests. Estimated Completion April 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

Key facts

• 4,791 sq ft lot
• 2 garage spots
• Built 2025

Property features AI

Finance

• Other: Subdivision neighborhood amenities: Other - See Remarks
• HOA & community: Mandatory HOA; HOA fee $200 annually; Association transfer fee $450; Subdivision: Spring Grove

Exterior

• Parking: 2-car garage
• Utilities: Water system available; Sewer system available
• Home design: New construction by Lennar; Faces east
• Construction: Cement fiber exterior; Slab foundation; Composition roof; Approximately 1 year old
• Exterior features: Privacy fence

Interior

• Kitchen: Kitchen 14 x 10; Stove/Range; Dishwasher
• Bedrooms: Master bedroom on lower level with walk-in closet and full bath; Bedroom 2: 10 x 15; Bedroom 3: 10 x 10; Bedroom 4: 14 x 13; Master bedroom dimensions: 11 x 13
• Flooring: Carpeting; Vinyl flooring
• Bathrooms: 2 full bathrooms; Master bath with shower only (6 x 9)
• Heating & cooling: Central heating; Electric and natural gas heating; Central air conditioning
• Interior features: Open floor plan; Breakfast bar; 1 living area; Utility room inside; Cable TV available; All bedrooms downstairs; Walk-in closets
• Laundry & utility: Washer connection; Dryer connection; Laundry on main level

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $220k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $79 ($950/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $175k (20.1% below list).
• Recommended offer: $175k (20.1% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 4.1% in St. Hedwig — 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 D — affects rentability + tenant quality, not the cash-flow math above.
• East Central ISD (rural): math 16% / reading 25% proficiency, ranked #758 of 826 in TX (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Tradition El (math 25% / reading 32%, grade F, #2,706 of 4,322 statewide, top 63%, 993 students, 51% FRL); East Central Heritage Middle (math 11% / reading 26%, grade F, #1,478 of 1,662 statewide, top 90%, 1,120 students, 44% FRL); East Central H S (math 21% / reading 28%, grade F, #1,264 of 1,632 statewide, top 82%, 3,252 students, 52% FRL).
• Market conditions: Rents soft (-0.9%/yr); 158 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent is only 17% of the median local income ($124k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• In year one you build about $4k of equity ($2k loan paydown + $3k appreciation (1.2% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 8, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($206k) is reasonable based on typical stale-listing flexibility.
• 2 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.

Recommended offer $175,431 (20.1% below list)

Questions for the listing agent

1. It's been on market 61 days. Have you received any prior offers? Is the seller open to a 20% 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. 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?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.80% ✗
• Cap rate: 6.73%
• Cash-on-cash: 1.55%
• DSCR: 1.07
• GRM: 10.4

CMA / ARV

• ARV (median comp): $196,885
• List price: $219,500
• Delta: 11.49%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
12823 Kathleen St	0.11mi	4/2.0	1,500 (+1%)	3mo	$176,499	$118	90
13011 Chinali Spgs	0.19mi	4/2.0	1,500 (+1%)	3mo	$184,950	$123	87
3606 Jacobs Wl	0.11mi	4/2.0	1,483 (0%)	12mo	$218,459	$147	85
3530 Jacobs Wl	0.09mi	4/2.0	1,500 (+1%)	11mo	$179,899	$120	85
3921 Asher Aly	0.41mi	4/2.0	1,459 (-2%)	4mo	$199,900	$137	75
3857 Ivy Path	0.31mi	3/2.0 (-1)	1,446 (-2%)	6mo	$182,400	$126	71
12930 Deep Eddy	0.20mi	3/2.0 (-1)	1,300 (-12%)	8mo	$227,800	$175	59
12915 Cicely Ct	0.49mi	3/2.0 (-1)	1,339 (-10%)	1mo	$209,900	$157	55
3925 Asher Aly	0.41mi	3/3.5 (-1)	1,681 (+13%)	2mo	$214,900	$128	45
3916 Asher Aly	0.44mi	3/2.5 (-1)	1,681 (+13%)	6mo	$224,900	$134	45
13012 Lineberry Ln	0.46mi	3/2.5 (-1)	1,681 (+13%)	7mo	$224,900	$134	43
13027 Dolomar Pkwy	0.63mi	3/2.5 (-1)	1,700 (+15%)	3mo	$224,347	$132	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.24% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 2.1%
• Equity multiple: 1.11×
• Total profit: $6,537
• Equity at exit: $77,733

10-year hold

• IRR: 5.0%
• Equity multiple: 1.59×
• Total profit: $36,394
• Equity at exit: $105,500

Cash invested: $61,460 (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 78152

• Home prices YoY: 0.4%
• Rents YoY: -0.9%
• Active inventory: 158
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,754 high
• Mortgage (P&I): −$1,151
• Tax from tax record: −$47 /mo · $566/yr
• Insurance: −$91
• HOA: −$17
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $79

Break-even live

Break-even rent $1,654

Max offer price $219,500

Occupancy floor 90%

Sensitivity live

Price	-10% $203	-5% $141	+0% $79	+5% $17	+10% $-45
Rent	-10% $-59	-5% $10	+0% $79	+5% $148	+10% $218
Rate	-1.0pp $190	-0.5pp $135	base $79	+0.5pp $22	+1.0pp $-36

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: $54,875
• Closing costs: $6,585
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3414 Jacobs Wls Saint Hedwig, TX	3.0	2.0	1450	$1,325	$0.91	6d	1	0.11mi
12932 Lake Fryer Converse, TX	3.0	2.0	1230	$1,200	$0.98	5d	1	0.15mi
12942 Deep Eddy Saint Hedwig, TX	3.0	2.0	1129	$1,495	$1.32	45d	1	0.21mi
3923 Ivy Path Saint Hedwig, TX	3.0	2.0	1445	$1,600	$1.11	25d	1	0.31mi
13015 Kathleen St Saint Hedwig, TX	3.0	2.0	1235	$1,540	$1.25	23d	1	0.36mi
13015 Kathleen St Saint Hedwig, TX	3.0	2.0	1235	$1,540	$1.25	25d	1	0.36mi
13015 Red Elks Lks Saint Hedwig, TX	3.0	2.0	1445	$1,650	$1.14	4d	1	0.37mi
3815 Abbott Pass Unit 102 St Hedwig, TX	3.0	2.5	1345	$1,450	$1.08	45d	1	0.40mi
3921 Abbott Pass Unit 101 St Hedwig, TX	3.0	2.5	1345	$1,595	$1.19	12d	1	0.41mi
3925 Abbott Pass Unit 101 St Hedwig, TX	3.0	2.5	1345	$1,450	$1.08	45d	1	0.41mi
3909 Asher Aly Saint Hedwig, TX	3.0–4.0	2.0–2.5	1575	$1,670	$1.06	0d	1	0.42mi
3933 Abbott Pass Unit 101 St Hedwig, TX	3.0	2.5	1345	$1,450	$1.08	25d	1	0.42mi
3937 Abbott Pass Unit 102 St Hedwig, TX	3.0	2.5	1345	$1,495	$1.11	45d	1	0.42mi
3932 Abbott Pass Unit 102 St Hedwig, TX	3.0	2.5	1345	$1,495	$1.11	25d	1	0.44mi
3936 Abbott Pass Unit 101 St Hedwig, TX	3.0	2.5	1345	$1,450	$1.08	23d	1	0.44mi
4211 Asher Aly Saint Hedwig, TX	3.0	2.0	1248	$1,438	$1.15	5d	1	0.49mi
13019 Lineberry Ln Saint Hedwig, TX	3.0	2.0	1689	$1,638	$0.97	16d	1	0.50mi
4241 Fort Palmer Blvd Saint Hedwig, TX	3.0	2.5	1858	$1,905	$1.03	0d	1	0.55mi
13014 Candace Way Converse, TX	3.0	2.5	1553	$1,675	$1.08	6d	1	0.57mi
13038 Candace Way Converse, TX	3.0	2.5	1689	$1,675	$0.99	6d	1	0.58mi
13023 Heathers Elm Saint Hedwig, TX	3.0	2.0	1234	$1,500	$1.22	3d	1	0.74mi
4522 Heathers Cross Saint Hedwig, TX	3.0	2.0	1652	$1,900	$1.15	18d	1	0.87mi
4614 Heathers Cross Saint Hedwig, TX	3.0	2.0	1770	$1,850	$1.05	25d	1	0.88mi
4522 Meerkat Converse, TX	3.0	2.0	1489	$1,750	$1.18	12d	1	0.90mi
4918 Valenzuela Converse, TX	3.0–4.0	2.0–2.5	1719	$2,144	$1.25	0d	82	0.93mi
13111 Bay Point Way Saint Hedwig, TX	3.0	2.0	1642	$1,595	$0.97	25d	1	1.13mi
13302 Savory Pl Converse, TX	3.0	2.0	1217	$1,499	$1.23	14d	1	1.18mi
5424 Thyme Cor Saint Hedwig, TX	4.0	2.0	1667	$1,450	$0.87	22d	1	1.19mi
13014 Rosemary Cv Saint Hedwig, TX	3.0	2.0	1479	$1,800	$1.22	25d	1	1.22mi
5333 Basil Chase Converse, TX	3.0	2.0	1474	$1,680	$1.14	16d	1	1.24mi
12922 Sage Turn Saint Hedwig, TX	4.0	2.0	1667	$1,597	$0.96	25d	1	1.25mi
5510 Basil Chase St Hedwig, TX	3.0	2.0	1217	$1,625	$1.34	19d	1	1.28mi
13505 Sunrise Mdw Saint Hedwig, TX	3.0	2.0	1111	$1,591	$1.43	0d	1	1.29mi
5135 Morning Graze Saint Hedwig, TX	3.0	2.0	1211	$1,575	$1.30	23d	1	1.30mi
13551 Lunar Lgt Saint Hedwig, TX	3.0	2.0	1211	$1,550	$1.28	25d	1	1.31mi
13603 Lunar Lgt Saint Hedwig, TX	3.0	2.0	1200	$1,500	$1.25	25d	1	1.35mi
13603 Lunar Lgt Saint Hedwig, TX	3.0	2.0	1209	$1,475	$1.22	18d	1	1.35mi
5330 Lisa Pt Apt 102 St Hedwig, TX	3.0	2.5	1250	$1,400	$1.12	0d	1	1.36mi
5330 Lisa Pt Converse, TX	3.0	2.5	1250	$1,450	$1.16	0d	1	1.36mi
5546 Basil Chase Converse, TX	3.0	2.0	1217	$1,829	$1.50	4d	1	1.36mi

HOA detail

• Monthly dues: $17 · $204/yr

Listing history 19 events

1. 2026-06-21
   days on market $219,500 Active 61 DOM
2. 2026-06-18
   days on market $219,500 Active 58 DOM
3. 2026-06-17
   days on market $219,500 Active 57 DOM
4. 2026-06-16
   days on market $219,500 Active 56 DOM
5. 2026-06-15
   days on market $219,500 Active 55 DOM
6. 2026-06-13
   days on market $219,500 Active 53 DOM
7. 2026-06-09
   days on market $219,500 Active 49 DOM
8. 2026-06-08
   days on market $219,500 Active 48 DOM
9. 2026-06-07
   days on market $219,500 Active 47 DOM
10. 2026-06-04
    days on market $219,500 Active 44 DOM
11. 2026-06-03
    days on market $219,500 Active 43 DOM
12. 2026-06-02
    statusdays on market $219,500 Active 42 DOM
13. 2026-06-01
    days on market $219,500 Price Change 41 DOM
14. 2026-05-31
    days on market $219,500 Price Change 40 DOM
15. 2026-04-21
    listed $220,000 New 512-char remark
16. 2026-03-27
    soldstatus Sold 605-char remark

    Show marketing remark (605 chars)

    The Hoffman- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location at the front of the home, complemented by an en-suite bathroom and walk-in closet. There are three secondary bedrooms just off the main living areas, which are comfortable spaces for household members and overnight guests. Estimated Completion April 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

17. 2026-03-04
    status Pending 605-char remark

    Show marketing remark (605 chars)

    The Hoffman- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location at the front of the home, complemented by an en-suite bathroom and walk-in closet. There are three secondary bedrooms just off the main living areas, which are comfortable spaces for household members and overnight guests. Estimated Completion April 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

18. 2026-02-24
    price $234,999 605-char remark

    Show marketing remark (605 chars)

    The Hoffman- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location at the front of the home, complemented by an en-suite bathroom and walk-in closet. There are three secondary bedrooms just off the main living areas, which are comfortable spaces for household members and overnight guests. Estimated Completion April 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

19. 2026-01-19
    listed $239,999 New 605-char remark

    Show marketing remark (605 chars)

    The Hoffman- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location at the front of the home, complemented by an en-suite bathroom and walk-in closet. There are three secondary bedrooms just off the main living areas, which are comfortable spaces for household members and overnight guests. Estimated Completion April 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

ⓘ 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: $566 · $47/mo
• Projected year-2 tax: $4,017 · $335/mo
• Expected delta: +$3,451/yr (+$288/mo · 609.8%)

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

Taxation est. · year 1

• Rental income: $21,052
• − Mortgage interest: −$12,295
• − Property taxes: −$566
• − Insurance: −$1,098
• − Repairs & maintenance: −$1,684
• − Management: −$1,684
• − HOA: −$204
• − Depreciation: −$6,385
• Taxable loss: −$2,865
• Est. tax savings @ 24.0%: +$688
• After-tax cash flow: $1,638/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This single-level home is in good condition with a spacious open floorplan and modern finishes. It is move-in ready with minor maintenance items to address.

Value-add opportunities

• Resale Paint the exterior siding — Fresh paint can enhance curb appeal and property value.
• Rental Replace the carpet in the bedrooms — New carpet can improve tenant satisfaction and reduce maintenance costs.
• Both Install smart home features — Smart home features can increase both resale and rental value by making the home more modern and convenient.

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint the exterior siding — Fresh paint can enhance curb appeal and property value. ↑
• Rental Replace the carpet in the bedrooms — New carpet can improve tenant satisfaction and reduce maintenance costs. ↑
• Both Install smart home features — Smart home features can increase both resale and rental value by making the home more modern and convenient. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: East Central ISD
• NCES district ID: 4817850
• Math proficiency: 16% ▼ -12.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $53,941
• Composite: 18.67/100
• National rank: #8887
• State rank: #758 of 826 in TX

Livability — St. Hedwig

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

Census & demographics

• County: Bexar County · 1,990,555 people
• City population: 3,958
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 4,521
• Household income: $123,981
• Rent vs Own: 16.6% rent · 83.4% own
• Severe rent burden: 27.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 56% Hispanic / Latino 31% Two or more races 21% Black 4%
• Hispanic origin (detail): Mexican 23% Puerto Rican 1%
• Common ancestry: Romanian 17% Lithuanian 2% Slovak 2%
• Foreign-born: 8% · Canada
• Languages at home: 89% English-only · Spanish 10% Tagalog/Filipino 1%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.24%
• Current HPI: 328.7859
• Rent YoY: ▼ -0.90%
• Metro: San Antonio-New Braunfels, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

Industry mix (Fortune 500 HQ in TX)

Industry	F500 HQs	Revenue
▸Energy	16	$1,198B
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

-8.5% since first listed

6 events — show timeline

• 2026-05-23 Price Changed $219,500 LERA
• 2026-04-21 Listed $220,000 LERA
• 2026-03-27 Sold (MLS) — LERA
• 2026-03-04 Pending — LERA
• 2026-02-24 Price Changed $234,999 LERA
• 2026-01-19 Listed $239,999 LERA

Property tax history

+17.1%/yr

Latest (2025): $566 · +17.1% YoY. Source: county tax records.