3321 Chisholm Trl · Killeen, TX 76542

$193,750

4 bd · 1.0 ba · 1,790 sqft · Townhouse public records · 70 Days on market

Built 1986 10,223 sqft lot $108/sqft · at area comps Est $202k · at est.

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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 +12.4/30.0
• ARV discount +9.3/15.0
• DSCR +3.7/10.0
• 1% rule +3.5/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• Condition / age +2.5/5.0
• Rent growth +2.0/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Ideal Investment Opportunity! Four full duplexes featuring eight 2-bedroom, 1-bath units—each approximately 850 sq ft—located on a quiet, desirable street convenient to both Killeen and Harker Heights. Units include an attached 40 sq ft storage closet and large fenced backyards. Off street parking can accommodate up to 4 vehicles per unit. Perfect for an investor looking to grow their portfolio!

Key facts

• Off street parking
• Built 1986
• Listed 70 days

Tags

• ATTACHED STORAGE CLOSET
• LARGE FENCED BACKYARD
• OFF STREET PARKING

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath townhouse listed at $194k.

Deal economics

• At list price, monthly cash flow is $-32 ($-379/yr) — negative.
• To cash-flow at today's rent, offer at most $188k (2.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $166k (14.5% below list).
• Recommended offer: $166k (14.5% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.9% in Killeen — 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 63/100 on livability (#853 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, amenities D, employment D.
• Killeen ISD (urban): math 31% / reading 38% proficiency, ranked #524 of 826 in TX (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-1.9%/yr); 644 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $1k of loan paydown is wiped out by about $6k 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 70 days — a 6% lower offer ($182k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $31k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 61% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $165,563 (14.5% 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 70 days. Have you received any prior offers? Is the seller open to a 15% 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is 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: 0.85% ✗
• Cap rate: 6.10%
• Cash-on-cash: -0.70%
• DSCR: 0.97
• GRM: 9.8

CMA / ARV

• ARV (median comp): $201,669
• List price: $193,750
• Delta: -3.93%
• Verdict: FAIR
• Comps: 3 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -20.9%
• Equity multiple: 0.30×
• Total profit: $-38,234
• Equity at exit: $28,889

10-year hold

• IRR: -23.1%
• Equity multiple: -0.01×
• Total profit: $-54,533
• Equity at exit: $16,752

Cash invested: $54,250 (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 76542

• Home prices YoY: -21.7%
• Rents YoY: -1.9%
• Active inventory: 644
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,656 high
• Mortgage (P&I): −$1,016
• Tax from tax record: −$243 /mo · $2,913/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$348
• Net cashflow: $-32

Break-even live

Break-even rent $1,696

Max offer price $188,170

Occupancy floor 97%

Sensitivity live

Price	-10% $78	-5% $23	+0% $-32	+5% $-86	+10% $-141
Rent	-10% $-162	-5% $-97	+0% $-32	+5% $34	+10% $99
Rate	-1.0pp $66	-0.5pp $18	base $-32	+0.5pp $-82	+1.0pp $-133

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: $48,438
• Closing costs: $5,812
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3800 John Chisholm Loop Apt A Killeen, TX	3.0	2.0	1309	$1,250	$0.95	24d	1	0.12mi
3701 Water Oak Dr Killeen, TX	3.0	2.0	1542	$1,595	$1.03	45d	1	0.28mi
3713 Water Oak Dr Killeen, TX	4.0	2.0	1357	$1,645	$1.21	24d	1	0.32mi
3923 Oak Valley Dr Killeen, TX	4.0	2.0	1704	$1,520	$0.89	45d	1	0.37mi
3804 Water Oak Dr Killeen, TX	3.0	2.5	1558	$1,395	$0.90	24d	1	0.41mi
4008 Sunflower Dr Killeen, TX	3.0	2.5	1619	$1,500	$0.93	45d	1	0.42mi
4205 Pepper Mill Holw Killeen, TX	4.0	2.0	1556	$1,500	$0.96	45d	1	0.51mi
4201 Sunflower Dr Killeen, TX	4.0	2.5	1740	$1,700	$0.98	45d	1	0.52mi
4512 Indigo Dr Killeen, TX	3.0	2.0	1416	$1,595	$1.13	24d	1	0.56mi
4207 Indigo Dr Killeen, TX	3.0	2.5	1701	$1,595	$0.94	45d	1	0.59mi
3806 Lone Oak Dr Killeen, TX	3.0	2.0	1332	$1,299	$0.98	24d	1	0.60mi
4205 Bluestem Ln Killeen, TX	3.0	2.0	1319	$1,600	$1.21	45d	1	0.62mi
3809 Oak Valley Dr Killeen, TX	3.0	2.0	1437	$1,395	$0.97	24d	1	0.62mi
3819 Oak Valley Dr Killeen, TX	3.0	2.5	1402	$1,300	$0.93	45d	1	0.65mi
4303 Rainlily St Killeen, TX	4.0	2.5	2129	$2,200	$1.03	15d	1	0.67mi
3901 Crosscut Loop Killeen, TX	3.0	2.0	1490	$1,500	$1.01	45d	1	0.70mi
2601 Little Nolan Rd Killeen, TX	3.0	2.0	1336	$1,325	$0.99	45d	1	0.73mi
4802 Pepper Mill Holw Killeen, TX	3.0	2.0	1394	$1,395	$1.00	45d	1	0.73mi
4716 Glass Mountain Dr Killeen, TX	3.0	2.0	1480	$1,545	$1.04	15d	1	0.74mi
4208 Frontier Trl Killeen, TX	3.0	2.0	1700	$1,450	$0.85	45d	1	0.76mi
4212 Embers Dr Killeen, TX	4.0	2.0	1848	$1,650	$0.89	45d	1	0.79mi
4807 Teal Dr Killeen, TX	3.0	2.0	1421	$1,495	$1.05	45d	1	0.80mi
4806 Greenlee Dr Killeen, TX	3.0	2.5	1620	$1,400	$0.86	45d	1	0.80mi
4103 Shagbark Dr Killeen, TX	3.0	2.5	1776	$1,645	$0.93	45d	1	0.80mi
3109 Rampart Loop Killeen, TX	3.0	2.0	1432	$1,415	$0.99	24d	1	0.81mi
4209 Adobe Dr Killeen, TX	3.0	2.0	1407	$1,450	$1.03	24d	1	0.84mi
4704 Champion Dr Killeen, TX	3.0	2.0	1298	$1,450	$1.12	45d	1	0.86mi
5006 Morning Star Ln Killeen, TX	4.0	2.0	1611	$1,695	$1.05	24d	1	0.88mi
4305 Rifle Dr Killeen, TX	3.0	2.0	1646	$1,695	$1.03	45d	1	0.90mi
5107 Daybreak Dr Killeen, TX	3.0	2.0	2301	$1,175	$0.51	24d	1	0.95mi
4303 Fawn Dr Killeen, TX	4.0	2.0	1570	$1,595	$1.02	24d	1	0.95mi
5005 Shawn Dr Killeen, TX	3.0	2.0	1530	$1,400	$0.92	45d	1	0.98mi
4108 Fawn Dr Killeen, TX	3.0	2.0	1341	$1,275	$0.95	45d	1	1.03mi
5010 White Rock Dr Killeen, TX	3.0	2.5	2249	$1,600	$0.71	45d	1	1.04mi
4210 Telluride Dr Killeen, TX	4.0	2.0	1571	$2,249	$1.43	45d	1	1.04mi
4705 Fawn Dr Killeen, TX	3.0	2.0	1371	$1,395	$1.02	15d	1	1.06mi
4209 Breckenridge Dr Killeen, TX	3.0	2.0	1230	$1,400	$1.14	45d	1	1.06mi
1900 Elms Run Ct Unit B Killeen, TX	3.0	2.0	1450	$2,100	$1.45	15d	1	1.07mi
2802 Scottsdale Dr Killeen, TX	3.0	2.5	2583	$2,200	$0.85	15d	1	1.07mi
5117 Teal Dr Killeen, TX	3.0	2.0	1626	$1,450	$0.89	24d	1	1.08mi

Listing history 21 events

1. 2026-06-18
   days on market $193,750 Active 70 DOM
2. 2026-06-17
   days on market $193,750 Active 69 DOM
3. 2026-06-16
   days on market $193,750 Active 68 DOM
4. 2026-06-15
   days on market $193,750 Active 67 DOM
5. 2026-06-14
   days on market $193,750 Active 65 DOM
6. 2026-06-13
   days on market $193,750 Active 64 DOM
7. 2026-06-10
   days on market $193,750 Active 62 DOM
8. 2026-06-09
   days on market $193,750 Active 61 DOM
9. 2026-06-08
   days on market $193,750 Active 60 DOM
10. 2026-06-07
    days on market $193,750 Active 59 DOM
11. 2026-06-03
    days on market $193,750 Active 55 DOM
12. 2026-06-02
    days on market $193,750 Active 54 DOM
13. 2026-06-01
    days on market $193,750 Active 53 DOM
14. 2026-05-31
    days on market $193,750 Active 52 DOM
15. 2026-05-30
    days on market $193,750 Active 51 DOM
16. 2026-04-23
    price $850,000 410-char remark

    Show marketing remark (410 chars)

    Ideal Investment Opportunity! Four full duplexes featuring eight 2-bedroom, 1-bath units—each approximately 850 sq ft—located on a quiet, desirable street convenient to both Killeen and Harker Heights. Units include an attached 40 sq ft storage closet and large fenced backyards. Off street parking can accommodate up to 4 vehicles per unit. Perfect for an investor looking to grow their portfolio!

17. 2026-04-09
    listed $224,500 Active 384-char remark

    Show marketing remark (384 chars)

    Ideal Investment Opportunity! Duplex featuring two- 2-bedroom, 1-bath units each approximately 850 sq ft-located on a quiet, desirable street convenient to both Killeen and Harker Heights. Units include an attached 40 sq ft storage closet and large fenced backyard. Off street parking can accommodate up to 4 vehicles per unit. Perfect for an investor looking to grow their portfolio!

18. 2026-04-01
    historical
19. 2025-11-12
    price $890,000 410-char remark

    Show marketing remark (410 chars)

    Ideal Investment Opportunity! Four full duplexes featuring eight 2-bedroom, 1-bath units—each approximately 850 sq ft—located on a quiet, desirable street convenient to both Killeen and Harker Heights. Units include an attached 40 sq ft storage closet and large fenced backyards. Off street parking can accommodate up to 4 vehicles per unit. Perfect for an investor looking to grow their portfolio!

20. 2025-11-12
    listed $800,000 Active 410-char remark

    Show marketing remark (410 chars)

    Ideal Investment Opportunity! Four full duplexes featuring eight 2-bedroom, 1-bath units—each approximately 850 sq ft—located on a quiet, desirable street convenient to both Killeen and Harker Heights. Units include an attached 40 sq ft storage closet and large fenced backyards. Off street parking can accommodate up to 4 vehicles per unit. Perfect for an investor looking to grow their portfolio!

21. 2025-11-12
    listed $225,000 Active

    Show marketing remark (410 chars)

    Ideal Investment Opportunity! Four full duplexes featuring eight 2-bedroom, 1-bath units—each approximately 850 sq ft—located on a quiet, desirable street convenient to both Killeen and Harker Heights. Units include an attached 40 sq ft storage closet and large fenced backyards. Off street parking can accommodate up to 4 vehicles per unit. Perfect for an investor looking to grow their portfolio!

ⓘ 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: $2,913 · $243/mo
• Projected year-2 tax: $3,546 · $295/mo
• Expected delta: +$632/yr (+$53/mo · 21.7%)

ⓘ 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 8/10 Severe 7 d/yr ≥107°F today · 24 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 61% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,868
• − Mortgage interest: −$10,853
• − Property taxes: −$2,913
• − Insurance: −$969
• − Repairs & maintenance: −$1,589
• − Management: −$1,589
• − Depreciation: −$5,636
• Taxable loss: −$3,683
• Est. tax savings @ 24.0%: +$884
• After-tax cash flow: $505/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: Killeen ISD
• NCES district ID: 4825660
• Math proficiency: 31% ▼ -16.00%
• Reading proficiency: 38% ▼ -3.00%
• Median HH income: $47,665
• Composite: 29.69/100
• National rank: #6458
• State rank: #524 of 826 in TX

Livability — Killeen

• Score: 63/100
• State rank: #853
• US rank: #15359

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Killeen, TX
• County: Bell County · 345,090 people
• City population: 163,398
• Metro: Killeen-Temple, TX
• Population (ZIP): 53,892
• Household income: $74,055
• Rent vs Own: 34.7% rent · 65.3% own
• Severe rent burden: 1167.0

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: Highly diverse neighborhood (Simpson 0.74)
• Race & ethnicity: Black 34% White 27% Hispanic / Latino 26% Two or more races 17% Asian 5%
• Hispanic origin (detail): Mexican 13% Puerto Rican 9%
• Common ancestry: Italian 1% Lithuanian 1% Slovak 1%
• Foreign-born: 10% · Canada, South Korea, Vietnam
• Languages at home: 79% English-only · Spanish 15% Korean 1% German/W. Germanic 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: ▼ -43.94%
• Current HPI: 158.4385
• Rent YoY: ▼ -1.85%
• 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

+6.2% since first listed

6 events — show timeline

• 2026-04-23 Price Changed $850,000 CTXMLS
• 2026-04-09 Listed $224,500 CTXMLS
• 2026-04-01 Listing Removed — CTXMLS
• 2025-11-12 Price Changed $890,000 CTXMLS
• 2025-11-12 Listed $225,000 CTXMLS
• 2025-11-12 Listed $800,000 CTXMLS

Property tax history

+5.9%/yr

Latest (2025): $2,913 · -14.6% YoY. Source: county tax records.