5231 State Highway 95 · Temple, TX 76502

$249,000

4 bd · 2.0 ba · 2,128 sqft · Manufactured public records · 16 Days on market

Built 2002 1.00 ac lot

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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 +15.2/30.0
• ARV discount +7.5/15.0
• DSCR +4.7/10.0
• Livability +3.8/5.0
• 1% rule +3.0/10.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

NO RESTRICTIONS AND NO HOA! Enjoy the perfect blend of country space and city convenience. This beautiful 4 Bedroom, 2 Bath Double wide home sits on a full acre of peaceful country setting and is minutes away from the Scott & White Hospital & VA, shopping centers, restaurants, and other convenient amenities. This home offers 2 living areas, 1 dining and 1 breakfast area that is spacious enough for a growing family. Plenty of room for RV/boat parking and the back patio is large enough to host family gatherings while the front porch offers additional sitting area. With 2 septic systems, this property offers plenty of space and possibilities for future growth and has easy access t

Key facts

• Large back patio
• 1 dining area
• Rv boat parking

Tags

• FULL ACRE
• 2 LIVING AREAS
• 1 DINING AREA
• 1 BREAKFAST AREA
• RV BOAT PARKING
• LARGE BACK PATIO

Property features AI

Exterior

• Parking: RV access/parking; Unpaved parking
• Security: Pre-wired for security; Leased security system; Fire alarm; Smoke detectors; Security lights
• Utilities: Electricity available and on property; High-speed internet available; Water: private, public, and well options; Sewer: public sewer, septic tank, and not connected at lot
• Home design: Double wide mobile home; Single-story; Resale property
• Construction: Vinyl siding; Composition/shingle roof; Block foundation; Built (year from assessor)
• Exterior features: Patio; Security lighting; Exterior storage; Security lights; Pre-wired security; Leased security system; Fire alarm; Smoke detectors

Interior

• Kitchen: Dishwasher; Electric range / oven; Range hood; Microwave; Refrigerator; Pantry; Solid surface counters; Kitchen/family room combo; Kitchen/dining combo; Breakfast area
• Bedrooms: Bedroom 1 on main level (approx. 15x12); Bedroom 2 on main level (approx. 11x12); Bedroom 3 on main level (approx. 10x12); Bedroom 4 on main level (approx. 10x9)
• Flooring: Carpet; Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Central air conditioning (electric, one unit)
• Interior features: Ceiling fans; Carbon monoxide detector; Dining area; Separate/formal dining room; His and hers closets; Multiple living areas; Multiple closets; Skylights; Separate shower; Tub with shower; Walk-in closet(s); Breakfast area; Kitchen/family room combo; Kitchen/dining combo; Pantry; Solid surface counters; Skylight(s); Satellite dish
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry in utility room; Dedicated laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $249k.

Deal economics

• At list price, monthly cash flow is $87 ($1k/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 $199k (20.0% below list).
• Recommended offer: $199k (20.0% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 3.6% in Temple — 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 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.8%/yr); 1126 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 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 $7k 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 16 days — a 2% lower offer ($245k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% 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 $199,148 (20.0% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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: 0.80% ✗
• Cap rate: 6.71%
• Cash-on-cash: 1.50%
• DSCR: 1.07
• GRM: 10.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -16.9%
• Equity multiple: 0.42×
• Total profit: $-40,764
• Equity at exit: $37,127

10-year hold

• IRR: -14.6%
• Equity multiple: 0.26×
• Total profit: $-51,387
• Equity at exit: $21,529

Cash invested: $69,720 (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: 1126
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,991 high
• Mortgage (P&I): −$1,306
• Tax from tax record: −$77 /mo · $922/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$418
• Net cashflow: $87

Break-even live

Break-even rent $1,881

Max offer price $249,000

Occupancy floor 91%

Sensitivity live

Price	-10% $228	-5% $157	+0% $87	+5% $16	+10% $-54
Rent	-10% $-70	-5% $8	+0% $87	+5% $166	+10% $244
Rate	-1.0pp $212	-0.5pp $150	base $87	+0.5pp $22	+1.0pp $-43

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: $62,250
• Closing costs: $7,470
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3703 McCleland Creek Trl Temple, TX	4.0	2.0	1621	$4,950	$3.05	45d	1	1.15mi
3703 McCleland Creek Trl Temple, TX	4.0	2.0	1621	$4,950	$3.05	25d	1	1.15mi
1607 Sideoats Ln Temple, TX	3.0	2.0	1533	$1,899	$1.24	45d	1	1.18mi
1503 Sideoats Ln Temple, TX	4.0	3.0	1830	$1,795	$0.98	25d	1	1.24mi
1614 Curlew Ln Temple, TX	3.0	2.0	1528	$1,795	$1.17	15d	1	1.28mi
1423 Fiddle Wood Way Temple, TX	4.0	2.0	1878	$1,950	$1.04	45d	1	1.28mi
1423 Curlew Ln Temple, TX	4.0	2.0	1603	$1,875	$1.17	45d	1	1.33mi
1526 Black Kettle Trl Temple, TX	3.0	2.0	1413	$1,750	$1.24	45d	1	1.34mi
1909 Euclid Dr Temple, TX	3.0	2.0	1616	$1,600	$0.99	25d	1	1.36mi

Listing history 11 events

1. 2026-06-22
   days on market $249,000 Active 16 DOM
2. 2026-06-18
   days on market $249,000 Active 13 DOM
3. 2026-06-17
   days on market $249,000 Active 12 DOM
4. 2026-06-16
   days on market $249,000 Active 11 DOM
5. 2026-06-15
   days on market $249,000 Active 10 DOM
6. 2026-06-14
   days on market $249,000 Active 8 DOM
7. 2026-06-10
   days on market $249,000 Active 5 DOM
8. 2026-06-09
   days on market $249,000 Active 4 DOM
9. 2026-06-08
   days on market $249,000 Active 3 DOM
10. 2026-06-07
    remarks 691-char remark
11. 2026-06-07
    listed $249,000 Active 2 DOM

ⓘ 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: $922 · $77/mo
• Projected year-2 tax: $4,557 · $380/mo
• Expected delta: +$3,635/yr (+$303/mo · 394.2%)

ⓘ 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 8/10 Severe 80% 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: $23,898
• − Mortgage interest: −$13,948
• − Property taxes: −$922
• − Insurance: −$1,245
• − Repairs & maintenance: −$1,912
• − Management: −$1,912
• − Depreciation: −$7,244
• Taxable loss: −$3,284
• Est. tax savings @ 24.0%: +$788
• After-tax cash flow: $1,831/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: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Bell County · 345,090 people
• City population: 96,587
• 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

3 events — show timeline

• 2026-06-05 Listed $249,000 CTXMLS
• 2002-07-31 Sold (Public Records) — Public Records
• 1989-05-30 Sold (Public Records) — Public Records

Property tax history

+2.3%/yr

Latest (2025): $922 · +8.5% YoY. Source: county tax records.