Yuma Plan · Texas City, TX 77568

$369,990

4 bd · 3.0 ba · 2,567 sqft · SingleFamily · 446 Days on market

↓ 2% since listing

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Why this score? — see what drove the F grade

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

• ARV discount +7.5/15.0
• Cash flow +6.6/30.0
• Rent growth +3.5/5.0
• Schools +3.5/10.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0
• DSCR +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

The enthralling Yuma floor plan offers unparalleled space for the value, leaving nothing out. Downstairs, you are met with a private guest bedroom with a walk-in closet off the foyer. Across the hall is a full secondary bathroom and a walk-in utility room. Across the gallery is entry to your large walk-in pantry, a secluded study room, and entry to your two-car garage. For those who need more space to store holiday decorations, tools, or another vehicle, the Yuma gives you the option of swapping your two-car standard garage into a two-and-a-half or three-car garage. Your open-concept kitchen and combined dining and family rooms are the main highlight of this desirable layout. Add an extra flair to your massive family room by including a stylish fireplace. In your kitchen, you are greeted with ample counterspace, industry-leading appliances, granite countertops, and an island. If you love spending time outdoors, you will appreciate having the option of including a covered patio for you to relax on. Your dream master suite is made a reality with vaulted ceilings, cultured marble countertops with dual vanities, a roomy bathtub, a separate walk-in shower and an enlarged walk-in closet. Give your master bathroom an upgrade by switching out your bathtub and single shower into a large super shower instead! Wander upstairs to be welcomed by the spacious and bright gameroom that is perfect for the game nights with family and friends, as well as two additional large bedrooms with. ..

Key facts

• Secluded study room
• Walk-in closet
• Walk-in utility room

Tags

• PRIVATE GUEST BEDROOM
• WALK-IN CLOSET
• FULL SECONDARY BATHROOM
• WALK-IN UTILITY ROOM
• LARGE WALK-IN PANTRY
• SECLUDED STUDY ROOM

🏗️ New construction. The $369,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $429,014.

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $370k.

Deal economics

• At list price, monthly cash flow is $-709 ($-9k/yr) — negative.
• To cash-flow at today's rent, offer at most $326k (11.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $286k (22.8% below list).
• Recommended offer: $286k (22.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 62/100 on livability (#907 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D+, amenities F, commute F.
• Dickinson ISD (suburban): math 39% / reading 40% proficiency, ranked #366 of 826 in TX (top 44%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Hughes Road El (math 36% / reading 31%, grade F, #2,174 of 4,322 statewide, top 51%, 707 students, 67% FRL); Dunbar Middle (math 25% / reading 20%, grade F, #1,341 of 1,662 statewide, top 82%, 654 students, 78% FRL); Dickinson H S (math 30% / reading 46%, grade F, #880 of 1,632 statewide, top 54%, 3,619 students, 64% FRL).
• Market conditions: Rents rising (+4.0%/yr); 661 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); 3,258 units permitted in Galveston County in 2024 (0 in 5+ unit buildings).
• At $2,856/mo this rent would consume 46% of the median local household income ($75k/yr) (locally 700% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.
• Galveston County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 446 days — a 12% lower offer ($326k) is reasonable based on typical stale-listing flexibility.

Recommended offer $285,595 (22.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 446 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is 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: 0.67% ✗
• Cap rate: 4.31%
• Cash-on-cash: -7.08%
• DSCR: 0.69
• GRM: 12.5

CMA / ARV

• ARV (median comp): $429,014
• List price: $369,990
• Delta: -13.76%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3406 Bright Keel Dr	0.29mi	4/3.0	2,582 (+1%)	0mo	$396,990	$154	85
13507 Golden Isle Dr	0.20mi	4/3.5	2,772 (+8%)	1mo	$448,775	$162	75
13602 Hartwell Bend Dr	0.34mi	4/4.0	2,679 (+4%)	1mo	$499,990	$187	72
3005 Mariner Island Dr	0.19mi	4/3.0	2,229 (-13%)	1mo	$386,990	$174	68
13601 Fairway Arbor Dr	0.28mi	3/2.5 (-1)	2,377 (-7%)	1mo	$394,990	$166	67
3214 Bolt Rope Dr	0.54mi	4/2.5	2,452 (-4%)	1mo	$339,990	$139	65
2307 Sweet Bay Dr	0.61mi	4/2.5	2,671 (+4%)	1mo	$309,900	$116	62
13618 Hartwell Bend Dr	0.39mi	4/3.5	2,875 (+12%)	1mo	$439,990	$153	59
2816 Mackinac Bay Dr	0.73mi	4/3.5	2,666 (+4%)	1mo	$452,990	$170	57
14121 Baikal Manor Dr	0.53mi	4/3.0	2,214 (-14%)	1mo	$349,990	$158	52
2417 Arbor Edge Xing	0.63mi	4/2.5	2,204 (-14%)	0mo	$345,000	$157	45
2819 Arbor Edge Xing	0.73mi	4/2.5	2,204 (-14%)	1mo	$357,000	$162	39

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 · 3.95% rent growth · sell at horizon

5-year hold

• IRR: -27.5%
• Equity multiple: 0.07×
• Total profit: $-111,852
• Equity at exit: $63,967

10-year hold

• IRR: -22.7%
• Equity multiple: -0.20×
• Total profit: $-143,811
• Equity at exit: $37,093

Cash invested: $120,124 (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 77568

• Home prices YoY: -22.7%
• Rents YoY: 4.0%
• Active inventory: 661
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $2,856 high
• Mortgage (P&I): −$2,250
• Tax est. 1.5%: −$536 /mo · $6,435/yr
• Insurance: −$179
• HOA: −$0
• Vacancy / Maint / Mgmt: −$600
• Net cashflow: $-709

Break-even live

Break-even rent $3,753

Max offer price $326,476

Occupancy floor —

Sensitivity live

Price	-10% $-412	-5% $-560	+0% $-709	+5% $-857	+10% $-1,005
Rent	-10% $-934	-5% $-821	+0% $-709	+5% $-596	+10% $-483
Rate	-1.0pp $-493	-0.5pp $-600	base $-709	+0.5pp $-820	+1.0pp $-933

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: $107,254
• Closing costs: $12,870
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13817 Starboard Reach Dr Santa Fe, TX	3.0–4.0	2.0–3.5	2268	$3,630	$1.60	0d	1	0.55mi
12524 Jetty Cv Santa Fe, TX	3.0	2.0	1803	$2,506	$1.39	23d	1	0.93mi
640 Totem Trail Dr La Marque, TX	4.0	2.5	2134	$2,309	$1.08	13d	1	1.10mi
2437 Regatta Ln La Marque, TX	4.0	2.0	1844	$2,079	$1.13	6d	1	1.20mi
2301 Starboard Sail Alta Loma, TX	4.0	2.0	1856	$2,181	$1.18	12d	1	1.36mi

Listing history 16 events

1. 2026-06-21
   days on market $369,990 Active 446 DOM
2. 2026-06-18
   days on market $369,990 Active 443 DOM
3. 2026-06-17
   days on market $369,990 Active 442 DOM
4. 2026-06-16
   days on market $369,990 Active 441 DOM
5. 2026-06-15
   days on market $369,990 Active 440 DOM
6. 2026-06-13
   days on market $369,990 Active 438 DOM
7. 2026-06-09
   days on market $369,990 Active 434 DOM
8. 2026-06-08
   days on market $369,990 Active 433 DOM
9. 2026-06-07
   days on market $369,990 Active 432 DOM
10. 2026-06-04
    days on market $369,990 Active 429 DOM
11. 2026-06-03
    days on market $369,990 Active 428 DOM
12. 2026-06-02
    days on market $369,990 Active 427 DOM
13. 2026-06-02
    days on market $369,990 Active 426 DOM
14. 2026-05-31
    days on market $369,990 Active 425 DOM
15. 2025-06-04
    price $369,990 1498-char remark

    Show marketing remark (1498 chars)

    The enthralling Yuma floor plan offers unparalleled space for the value, leaving nothing out. Downstairs, you are met with a private guest bedroom with a walk-in closet off the foyer. Across the hall is a full secondary bathroom and a walk-in utility room. Across the gallery is entry to your large walk-in pantry, a secluded study room, and entry to your two-car garage. For those who need more space to store holiday decorations, tools, or another vehicle, the Yuma gives you the option of swapping your two-car standard garage into a two-and-a-half or three-car garage. Your open-concept kitchen and combined dining and family rooms are the main highlight of this desirable layout. Add an extra flair to your massive family room by including a stylish fireplace. In your kitchen, you are greeted with ample counterspace, industry-leading appliances, granite countertops, and an island. If you love spending time outdoors, you will appreciate having the option of including a covered patio for you to relax on. Your dream master suite is made a reality with vaulted ceilings, cultured marble countertops with dual vanities, a roomy bathtub, a separate walk-in shower and an enlarged walk-in closet. Give your master bathroom an upgrade by switching out your bathtub and single shower into a large super shower instead! Wander upstairs to be welcomed by the spacious and bright gameroom that is perfect for the game nights with family and friends, as well as two additional large bedrooms with. ..

16. 2025-04-01
    listed $375,990 Active 1498-char remark

    Show marketing remark (1498 chars)

    The enthralling Yuma floor plan offers unparalleled space for the value, leaving nothing out. Downstairs, you are met with a private guest bedroom with a walk-in closet off the foyer. Across the hall is a full secondary bathroom and a walk-in utility room. Across the gallery is entry to your large walk-in pantry, a secluded study room, and entry to your two-car garage. For those who need more space to store holiday decorations, tools, or another vehicle, the Yuma gives you the option of swapping your two-car standard garage into a two-and-a-half or three-car garage. Your open-concept kitchen and combined dining and family rooms are the main highlight of this desirable layout. Add an extra flair to your massive family room by including a stylish fireplace. In your kitchen, you are greeted with ample counterspace, industry-leading appliances, granite countertops, and an island. If you love spending time outdoors, you will appreciate having the option of including a covered patio for you to relax on. Your dream master suite is made a reality with vaulted ceilings, cultured marble countertops with dual vanities, a roomy bathtub, a separate walk-in shower and an enlarged walk-in closet. Give your master bathroom an upgrade by switching out your bathtub and single shower into a large super shower instead! Wander upstairs to be welcomed by the spacious and bright gameroom that is perfect for the game nights with family and friends, as well as two additional large bedrooms with. ..

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $34,271
• − Mortgage interest: −$24,031
• − Property taxes: −$6,435
• − Insurance: −$2,145
• − Repairs & maintenance: −$2,742
• − Management: −$2,742
• − Depreciation: −$12,480
• Taxable loss: −$16,304
• Est. tax savings @ 24.0%: +$3,913
• After-tax cash flow: $-4,590/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: Dickinson ISD
• NCES district ID: 4817070
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 40% ▼ -2.00%
• Median HH income: $61,318
• Composite: 35.16/100
• National rank: #5005
• State rank: #366 of 826 in TX

Livability — Texas City

• Score: 62/100
• State rank: #907
• US rank: #16268

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Texas City, TX
• County: Galveston County · 357,330 people
• City population: 49,936
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 23,083
• Household income: $74,694
• Rent vs Own: 28.0% rent · 72.0% own
• Severe rent burden: 700.0

Population outlook (Galveston County) Hauer SSP2

• Today (2025): 390,640 people
• By 2030: 425,226 · +8.9%
• By 2040: 493,765 · +26.4%
• By 2050: 559,698 · +43.3%
• By 2075: 719,260 · +84.1%
• By 2100: 819,628 · +109.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: White 37% Hispanic / Latino 29% Black 26% Two or more races 17% Asian 3%
• Hispanic origin (detail): Mexican 22% Puerto Rican 1%
• Common ancestry: Lithuanian 1% Italian 1% Serbian 1%
• Foreign-born: 8% · Canada
• Languages at home: 77% English-only · Spanish 21% Tagalog/Filipino 1% Other Asian/Pacific 1%

Political lean MEDSL · Galveston

• 2024 margin: Strong R (+27.4) · D 35.7% · R 63.1% · Other 1.2%
• 2008→2024 swing: -7.9pp toward R · 2008: -19.5pp · 2024: -27.4pp
• All cycles: 2024: R+27.4 2020: R+22.6 2016: R+22.6 2012: R+26.9 2008: R+19.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -69.39%
• Current HPI: 236.0239
• Rent YoY: ▲ 3.95%
• Metro: Houston-The Woodlands-Sugar Land, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

Industry mix (Fortune 500 HQ in TX)

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

Price history

-1.6% since first listed

2 events — show timeline

• 2025-06-04 Price Changed $369,990 Zillow
• 2025-04-01 Listed $375,990 Zillow