102 S Hogan St · Holland, TX 76534

$250,000

2 bd · 1.0 ba · 1,600 sqft · SingleFamily public records · 30 Days on market

Built 1935 7,928 sqft lot Est $226k · 11% over

---

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 +20.8/30.0
• DSCR +6.6/10.0
• 1% rule +5.1/10.0
• Schools +4.4/10.0
• Livability +3.5/5.0
• ARV discount +2.6/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to small-town Texas living at its finest! Nestled in the heart of Holland, this charming 1935 home is full of character, warmth, and timeless appeal. Offering approximately 1,600 square feet on a . 18-acre lot, this 2-bedroom, 2-bath home also features a versatile bonus room perfect for a home office, guest space, hobby room, or playroom. From the moment you arrive, the large front porch invites you to slow down and enjoy peaceful country living. Inside, you’ll appreciate the historical charm throughout the home, including some original hardwood floors, soaring 9.5-foot ceilings, and spacious rooms filled with natural light. The kitchen offers cabinetry extending all the way to the ceiling, providing exceptional storage and classic style. Step outside to enjoy the large covered back porch overlooking mature producing pecan trees in both the front and backyard — a rare and beautiful feature that adds shade, character, and seasonal harvests. Two storage buildings provide additional space for tools, hobbies, or outdoor equipment, while the single-car carport adds convenience. Located within highly regarded Holland ISD, a sought-after 2A school district known for smaller class sizes and a close-knit community atmosphere, this property provides the perfect balance of quiet living and commuter accessibility. Conveniently situated approximately 25 minutes from Taylor via Highway 95 and 20 minutes from I-35 with easy access to Belton and Temple, this home is ideally positioned for employees commuting to major Central Texas employers including Samsung Electronics in Taylor, UMHB in Belton, BSWH, McLane Company, Central Texas Veterans Health Care System, Wilsonart International, and H-E-B Distribution Center in Temple. If you’ve been searching for a home with authentic charm, mature trees, inviting outdoor spaces, and the peaceful pace of country living with access to Central Texas opportunities, this Holland gem is ready to welcome you home.

Key facts

• Large front porch
• 7,928 sq ft lot
• Parking

Tags

• LARGE FRONT PORCH
• ORIGINAL HARDWOOD FLOORS
• SOARING 9.5 FOOT CEILINGS
• KITCHEN CABINETRY EXTENDING
• LARGE COVERED BACK PORCH
• MATURE PRODUCING PECAN TREES

Property features AI

Finance

• Financial info: Accepts Cash, Conventional, FHA, USDA Loan, VA Loan
• HOA & community: No association

Exterior

• Parking: Covered parking (1 space); 1 carport space; Driveway
• Utilities: City water; City sewer; Individual water meter
• Home design: Single-family residence; One story; Residential property; Preowned (built in 1935)
• Construction: Composition roof; Built in 1935
• Exterior features: Back yard; Chain link fence

Interior

• Kitchen: Electric range
• Bedrooms: Primary bedroom on main level; Total 2 bedrooms
• Flooring: Carpet; Hardwood; Luxury vinyl plank
• Bathrooms: 2 full bathrooms
• Interior features: Cable TV available; One living area; One dining area; Total of 2 rooms
• Laundry & utility: Utility room; Washer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $344 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $250k).
• Recommended offer: $246k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#357 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Holland ISD (rural): math 53% / reading 50% proficiency, ranked #158 of 826 in TX (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Holland El (math 47% / reading 52%, grade D, #865 of 4,322 statewide, top 21%, 310 students, 41% FRL).
• Market conditions: 50 active listings in the ZIP; 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 $2k of loan paydown is wiped out by about $8k 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 30 days — a 2% lower offer ($246k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 19y 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

• Watch-outs: built in 1935 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 77% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $246,250 (1.5% below list)

Questions for the listing agent

1. Built in 1935 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.01% ✓
• Cap rate: 7.94%
• Cash-on-cash: 5.89%
• DSCR: 1.26
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $225,600
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
306 W Travis	0.06mi	3/2.0 (+1)	1,456 (-9%)	6mo	$205,000	$141	69
303 Sumbera	0.24mi	3/1.0 (+1)	1,400 (-12%)	7mo	$168,000	$120	57

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.2%
• Equity multiple: 0.73×
• Total profit: $-18,625
• Equity at exit: $37,276

10-year hold

• IRR: 2.4%
• Equity multiple: 1.17×
• Total profit: $11,952
• Equity at exit: $21,615

Cash invested: $70,000 (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 76534

• Home prices YoY: -17.4%
• Active inventory: 50
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,535 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$244 /mo · $2,926/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$532
• Net cashflow: $344

Break-even live

Break-even rent $2,100

Max offer price $250,000

Occupancy floor 81%

Sensitivity live

Price	-10% $485	-5% $414	+0% $344	+5% $273	+10% $202
Rent	-10% $143	-5% $244	+0% $344	+5% $444	+10% $544
Rate	-1.0pp $470	-0.5pp $407	base $344	+0.5pp $279	+1.0pp $213

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-18
   days on market $250,000 Active 30 DOM
2. 2026-06-17
   days on market $250,000 Active 29 DOM
3. 2026-06-16
   days on market $250,000 Active 28 DOM
4. 2026-06-15
   days on market $250,000 Active 27 DOM
5. 2026-06-14
   days on market $250,000 Active 25 DOM
6. 2026-06-10
   days on market $250,000 Active 22 DOM
7. 2026-06-09
   days on market $250,000 Active 21 DOM
8. 2026-06-08
   days on market $250,000 Active 20 DOM
9. 2026-06-07
   days on market $250,000 Active 19 DOM
10. 2026-06-05
    days on market $250,000 Active 16 DOM
11. 2026-06-03
    days on market $250,000 Active 15 DOM
12. 2026-06-02
    days on market $250,000 Active 14 DOM
13. 2026-06-01
    days on market $250,000 Active 13 DOM
14. 2026-05-31
    days on market $250,000 Active 12 DOM
15. 2026-05-30
    days on market $250,000 Active 11 DOM
16. 2026-05-19
    listed $250,000 Active

    Show marketing remark (1992 chars)

    Welcome to small-town Texas living at its finest! Nestled in the heart of Holland, this charming 1935 home is full of character, warmth, and timeless appeal. Offering approximately 1,600 square feet on a . 18-acre lot, this 2-bedroom, 2-bath home also features a versatile bonus room perfect for a home office, guest space, hobby room, or playroom. From the moment you arrive, the large front porch invites you to slow down and enjoy peaceful country living. Inside, you’ll appreciate the historical charm throughout the home, including some original hardwood floors, soaring 9.5-foot ceilings, and spacious rooms filled with natural light. The kitchen offers cabinetry extending all the way to the ceiling, providing exceptional storage and classic style. Step outside to enjoy the large covered back porch overlooking mature producing pecan trees in both the front and backyard — a rare and beautiful feature that adds shade, character, and seasonal harvests. Two storage buildings provide additional space for tools, hobbies, or outdoor equipment, while the single-car carport adds convenience. Located within highly regarded Holland ISD, a sought-after 2A school district known for smaller class sizes and a close-knit community atmosphere, this property provides the perfect balance of quiet living and commuter accessibility. Conveniently situated approximately 25 minutes from Taylor via Highway 95 and 20 minutes from I-35 with easy access to Belton and Temple, this home is ideally positioned for employees commuting to major Central Texas employers including Samsung Electronics in Taylor, UMHB in Belton, BSWH, McLane Company, Central Texas Veterans Health Care System, Wilsonart International, and H-E-B Distribution Center in Temple. If you’ve been searching for a home with authentic charm, mature trees, inviting outdoor spaces, and the peaceful pace of country living with access to Central Texas opportunities, this Holland gem is ready to welcome you home.

17. 2026-05-19
    listed $250,000 Active 1992-char remark

    Show marketing remark (1992 chars)

    Welcome to small-town Texas living at its finest! Nestled in the heart of Holland, this charming 1935 home is full of character, warmth, and timeless appeal. Offering approximately 1,600 square feet on a . 18-acre lot, this 2-bedroom, 2-bath home also features a versatile bonus room perfect for a home office, guest space, hobby room, or playroom. From the moment you arrive, the large front porch invites you to slow down and enjoy peaceful country living. Inside, you’ll appreciate the historical charm throughout the home, including some original hardwood floors, soaring 9.5-foot ceilings, and spacious rooms filled with natural light. The kitchen offers cabinetry extending all the way to the ceiling, providing exceptional storage and classic style. Step outside to enjoy the large covered back porch overlooking mature producing pecan trees in both the front and backyard — a rare and beautiful feature that adds shade, character, and seasonal harvests. Two storage buildings provide additional space for tools, hobbies, or outdoor equipment, while the single-car carport adds convenience. Located within highly regarded Holland ISD, a sought-after 2A school district known for smaller class sizes and a close-knit community atmosphere, this property provides the perfect balance of quiet living and commuter accessibility. Conveniently situated approximately 25 minutes from Taylor via Highway 95 and 20 minutes from I-35 with easy access to Belton and Temple, this home is ideally positioned for employees commuting to major Central Texas employers including Samsung Electronics in Taylor, UMHB in Belton, BSWH, McLane Company, Central Texas Veterans Health Care System, Wilsonart International, and H-E-B Distribution Center in Temple. If you’ve been searching for a home with authentic charm, mature trees, inviting outdoor spaces, and the peaceful pace of country living with access to Central Texas opportunities, this Holland gem is ready to welcome you home.

18. 2014-07-30
    soldstatus
19. 2012-12-11
    soldstatus 306-char remark

    Show marketing remark (306 chars)

    What charm a step back in time. Open living and dining with wonderful hard wood floors. Claw foot tub. .. so many more touches of character and charm. This is a Fannie Mae HomePath property Purchase this home for as little as 3% down! This property is approved for Fannie Mae Renovation Mortgage Financing.

20. 2012-10-15
    listed $75,500 306-char remark

    Show marketing remark (306 chars)

    What charm a step back in time. Open living and dining with wonderful hard wood floors. Claw foot tub. .. so many more touches of character and charm. This is a Fannie Mae HomePath property Purchase this home for as little as 3% down! This property is approved for Fannie Mae Renovation Mortgage Financing.

21. 2012-09-19
    soldstatus
22. 2007-12-07
    soldstatus
23. 2007-12-07
    soldstatus
24. 2007-12-06
    soldstatus
25. 2007-08-01
    listed $85,000
26. 2007-07-11
    historical
27. 2007-06-30
    listed $89,900
28. 1995-09-19
    soldstatus
29. 1982-03-29
    soldstatus

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

Tax reassessment forecast TX · Resets to sale price

• Current annual tax: $2,926 · $244/mo
• Projected year-2 tax: $4,575 · $381/mo
• Expected delta: +$1,649/yr (+$137/mo · 56.4%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 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: $30,421
• − Mortgage interest: −$14,004
• − Property taxes: −$2,926
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,434
• − Management: −$2,434
• − Depreciation: −$7,273
• Taxable income: $101
• Est. tax owed @ 24.0%: −$24
• After-tax cash flow: $4,100/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: Holland ISD
• NCES district ID: 4823370
• Math proficiency: 53% ▼ -8.00%
• Reading proficiency: 50% ▼ -10.00%
• Median HH income: $47,232
• Composite: 43.78/100
• National rank: #2938
• State rank: #158 of 826 in TX

Livability — Holland

• Score: 70/100
• State rank: #357
• US rank: #7736

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Holland, TX
• Population (ZIP): 2,812

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: Predominantly White (75%)
• Race & ethnicity: White 75% Hispanic / Latino 17% Black 5% Two or more races 4%
• Hispanic origin (detail): Mexican 15%
• Common ancestry: Slovak 5% Romanian 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 8% Other Indo-European 1%

Political lean MEDSL · Bell

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

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -52.62%
• Current HPI: 249.7032
• Rent YoY: —
• Metro: —
• 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

+178.1% since first listed

14 events — show timeline

• 2026-05-19 Listed $250,000 CTXMLS
• 2026-05-19 Listed $250,000 NTREIS
• 2014-07-30 Sold (Public Records) — Public Records
• 2012-12-11 Sold (MLS) — CTXMLS
• 2012-10-15 Listed $75,500 CTXMLS
• 2012-09-19 Sold (Public Records) — Public Records
• 2007-12-07 Sold (Public Records) — Public Records
• 2007-12-07 Sold (MLS) — CTXMLS
• 2007-12-06 Sold (Public Records) — Public Records
• 2007-08-01 Listed $85,000 CTXMLS
• 2007-07-11 Listing Removed — CTXMLS
• 2007-06-30 Listed $89,900 CTXMLS
• 1995-09-19 Sold (Public Records) — Public Records
• 1982-03-29 Sold (Public Records) — Public Records

Property tax history

+3.5%/yr

Latest (2025): $2,926 · +8.4% YoY. Source: county tax records.