4710 Gunter St · Houston, TX 77020

$340,000

3 bd · 2.5 ba · 1,743 sqft · SingleFamily public records · 26 Days on market

Built 2025 2,500 sqft lot ↓ 14% since listing

---

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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +4.1/30.0
• Livability +3.7/5.0
• Rent growth +3.6/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• 1% rule +1.1/10.0
• DSCR +0.0/10.0

Listing remarks

Welcome to this brand-new, 2-story residence that blends sleek modern aesthetics w/ premium finishes. Thoughtfully constructed, it features engineered hardwood floors, high-end fixtures, & a layout that balances function w/ design-forward living. The 1st floor offers open-concept living, kitchen, & dining w/ clean lines & natural flow — ideal for entertaining or everyday comfort. The kitchen includes granite counters, a full tile backsplash, & modern cabinetry. Upstairs, the spacious primary has a huge walk-in shower & dual vanities, while secondary bedrooms offer comfort & flexibility. Located in Houston’s dynamic Fifth Ward/East End, you're min

Key facts

• Full tile backsplash
• Dual vanities
• Modern cabinetry

Tags

• ENGINEERED HARDWOOD FLOORS
• GRANITE COUNTERS
• FULL TILE BACKSPLASH
• MODERN CABINETRY
• HUGE WALK-IN SHOWER
• DUAL VANITIES

Property features AI

Exterior

• Parking: Attached 2-car garage
• Security: Smoke detectors
• Utilities: Public water; Public sewer
• Home design: Residential property; New construction; Slab foundation
• Construction: Built in 2025; Cement siding; Composition roof
• Exterior features: Private yard; Fence (back yard); Concrete road surface; Located in a subdivision

Interior

• Kitchen: Dishwasher; Electric oven; Gas cooktop; Disposal
• Bedrooms: Primary bedroom on second floor (14 x 16); Bedroom on first floor (5 x 4.5); Bedroom on second floor (10 x 11)
• Flooring: Carpet; Engineered hardwood; Tile
• Bathrooms: Three full bathrooms; One half bathroom; Primary bathroom on second floor (10 x 8); Bathroom on second floor (8 x 5)
• Heating & cooling: Central heating (gas); Central electric air conditioning
• Interior features: Double vanity; Granite countertops; High ceilings; Kitchen island; Kitchen/family room combo; Tub/shower
• Laundry & utility: Washer hookup; Electric dryer hookup; Gas dryer hookup

🏗️ New construction. The $340,000 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $376,637.

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $340k.

Deal economics

• At list price, monthly cash flow is $-1k ($-12k/yr) — negative.
• To cash-flow at today's rent, offer at most $195k (42.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $229k (32.5% below list).
• Recommended offer: $195k (42.8% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 74/100 on livability (#184 in TX, #4,771 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: crime F.
• Houston ISD (urban): math 27% / reading 35% proficiency, ranked #593 of 826 in TX (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Henderson N El (math 12% / reading 8%, grade F, #4,259 of 4,322 statewide, top 99%, 227 students, 100% FRL); Mcreynolds Middle (math 10% / reading 17%, grade F, #1,602 of 1,662 statewide, top 97%, 398 students, 98% FRL); Wheatley H S (math 17% / reading 19%, grade F, #1,445 of 1,632 statewide, top 89%, 643 students, 95% FRL) — zoned schools average 98% FRL vs 71% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 14% at this address vs 31% district-wide (-17 pts) — the specific schools serving this property underperform the Houston ISD average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+4.3%/yr); 339 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 29,883 units permitted in Harris County in 2024 (8,621 in 5+ unit buildings).
• At $2,295/mo this rent would consume 55% of the median local household income ($50k/yr) (locally 969% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $40k of equity ($3k loan paydown + $38k appreciation (10.0% local appreciation)).
• Harris County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$65k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($335k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $32k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price.
• Climate carrying-cost: severe wind risk, 99% 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 $194,527 (42.8% 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. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is F 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.61% ✗
• Cap rate: 3.01%
• Cash-on-cash: -11.73%
• DSCR: 0.48
• GRM: 13.7

CMA / ARV

• ARV (median comp): $376,637
• List price: $340,000
• Delta: -1.10%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4415 Coke St Unit B	0.22mi	3/2.5	1,736 (-0%)	10mo	$360,000	$207	81
659 Press St	0.38mi	3/2.5	1,682 (-4%)	2mo	$299,900	$178	75
651 Press St	0.40mi	3/2.5	1,682 (-4%)	9mo	$299,900	$178	68
4611 Buck St	0.13mi	3/1.0	1,541 (-12%)	8mo	$205,000	$133	62
4703 Oats St Unit B	0.69mi	3/3.0	1,768 (+1%)	6mo	$359,000	$203	59
5416 San Juan St	0.43mi	3/2.5	1,584 (-9%)	8mo	$349,900	$221	58
5420 San Juan St	0.43mi	3/2.5	1,584 (-9%)	8mo	$349,990	$221	58
1266 Finnigan Dr	0.33mi	3/3.5	1,988 (+14%)	2mo	$375,000	$189	56
1264 Finnigan Dr	0.33mi	3/3.5	1,988 (+14%)	3mo	$375,000	$189	55
3616 Market St	0.68mi	3/3.0	1,607 (-8%)	2mo	$325,000	$202	51
5203 San Juan St	0.32mi	3/3.5	1,988 (+14%)	8mo	$389,000	$196	51
4501 Rawley St	0.75mi	4/2.5 (+1)	1,924 (+10%)	6mo	$399,990	$208	38

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

Projected returns pro-forma

10.0% appreciation · 4.27% rent growth · sell at horizon

5-year hold

• IRR: 16.4%
• Equity multiple: 2.35×
• Total profit: $142,621
• Equity at exit: $339,305

10-year hold

• IRR: 15.9%
• Equity multiple: 5.54×
• Total profit: $478,337
• Equity at exit: $731,724

Cash invested: $105,458 (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 77020

• Home prices YoY: 29.1%
• Rents YoY: 4.3%
• Active inventory: 339
• Price-to-rent: 12.3×

Monthly cashflow live

• Estimated rent: $2,295 high
• Mortgage (P&I): −$1,975
• Tax from tax record: −$712 /mo · $8,541/yr
• Insurance: −$157
• HOA: −$0
• Vacancy / Maint / Mgmt: −$482
• Net cashflow: $-1,031

Break-even live

Break-even rent $3,600

Max offer price $194,527

Occupancy floor —

Sensitivity live

Price	-10% $-818	-5% $-924	+0% $-1,031	+5% $-1,137	+10% $-1,244
Rent	-10% $-1,212	-5% $-1,122	+0% $-1,031	+5% $-940	+10% $-850
Rate	-1.0pp $-841	-0.5pp $-935	base $-1,031	+0.5pp $-1,128	+1.0pp $-1,228

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: $94,159
• Closing costs: $11,299
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1222 Upton St Houston, TX	3.0	4.0	2055	$2,600	$1.27	45d	1	0.26mi
4109 Hare St Unit 1019559P Houston, TX	4.0	2.5	1905	$6,852	$3.60	9d	1	0.41mi
4109 Hare St Unit A Houston, TX	4.0	2.5	1913	$6,950	$3.63	45d	1	0.41mi
4300 Lyons Ave Unit 304 Houston, TX	4.0	2.0	1393	$1,460	$1.05	45d	1	0.53mi
4712 Rawley St Unit a Houston, TX	3.0	2.0	1501	$2,070	$1.38	22d	1	0.68mi
4712 Rawley St Unit B Houston, TX	3.0	2.5	1501	$2,045	$1.36	22d	1	0.68mi
3730 Lyons Ave Unit 216 Houston, TX	3.0	2.0	1107	$1,300	$1.17	45d	1	0.72mi
3419 Gillespie St Houston, TX	3.0	3.5	2168	$2,300	$1.06	45d	1	0.72mi
3410 Baer St Houston, TX	3.0	4.0	2040	$3,500	$1.72	45d	1	0.73mi
1023 Hahlo St Houston, TX	4.0	2.0	1434	$1,775	$1.24	7d	1	0.83mi
308 Grove St Houston, TX	3.0	3.0	1701	$2,350	$1.38	9d	1	0.83mi
1513 Cage St Houston, TX	3.0	2.0	1467	$1,550	$1.06	45d	1	0.84mi
5217 Noble St Houston, TX	3.0	2.5	1897	$2,750	$1.45	45d	1	0.86mi
1303 Bayou St Unit C Houston, TX	3.0	3.0	1869	$3,200	$1.71	45d	1	0.93mi
2105 Sam Wilson St Houston, TX	3.0	2.5	1416	$6,750	$4.77	45d	1	0.93mi
5605 Mulvey St Unit 1019610P Houston, TX	3.0	2.5	1410	$4,376	$3.10	0d	1	0.93mi
1307 Bayou St Unit B Houston, TX	3.0	3.0	1814	$2,400	$1.32	9d	1	0.93mi
3300 Lyons Ave Unit 304 Houston, TX	4.0	2.0	1393	$1,460	$1.05	45d	1	0.94mi
611 Sydnor St Houston, TX	3.0	4.0	2157	$2,400	$1.11	45d	1	0.95mi
800 Middle St Houston, TX	1.0–4.0	1.0–2.0	1003	$1,593	$1.59	7d	1	1.04mi
2905 Baer St Unit 1047953P Houston, TX	3.0	2.5	1991	$2,922	$1.47	0d	1	1.04mi
4509 Courtney St Houston, TX	4.0	1.0	1456	$1,150	$0.79	24d	1	1.25mi
132 N Estelle St Unit 1526930P Houston, TX	2.0	1.0	1076	$1,760	$1.64	9d	1	1.37mi
91 Jensen Dr Houston, TX	3.0	1.0–2.5	970	$3,420	$3.52	0d	67	1.38mi
91 Jensen Dr Houston, TX	2.0	1.0–2.0	872	$3,094	$3.55	22d	16	1.38mi
2 Jenkins St Houston, TX	3.0	2.0	1242	$2,250	$1.81	45d	1	1.45mi

Listing history 22 events

1. 2026-06-21
   days on market $340,000 Active 26 DOM
2. 2026-06-18
   days on market $340,000 Active 23 DOM
3. 2026-06-17
   days on market $340,000 Active 22 DOM
4. 2026-06-16
   days on market $340,000 Active 21 DOM
5. 2026-06-15
   days on market $340,000 Active 20 DOM
6. 2026-06-13
   pricedays on market $340,000 Active 18 DOM
7. 2026-06-09
   days on market $372,500 Active 14 DOM
8. 2026-06-08
   days on market $372,500 Active 13 DOM
9. 2026-06-07
   days on market $372,500 Active 12 DOM
10. 2026-06-04
    days on market $372,500 Active 9 DOM
11. 2026-06-03
    days on market $372,500 Active 8 DOM
12. 2026-06-02
    days on market $372,500 Active 7 DOM
13. 2026-06-01
    days on market $372,500 Active 6 DOM
14. 2026-05-31
    days on market $372,500 Active 5 DOM
15. 2026-01-13
    historical
16. 2026-01-13
    listed $372,500 Active 998-char remark
17. 2025-10-13
    historical
18. 2025-10-13
    listed $380,000 Active
19. 2025-09-03
    listed $395,000 Active
20. 2020-07-02
    soldstatus
21. 2018-02-23
    soldstatus
22. 1988-01-02
    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: $8,541 · $712/mo
• Projected year-2 tax: $8,541 · $712/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,538
• − Mortgage interest: −$21,098
• − Property taxes: −$8,541
• − Insurance: −$1,883
• − Repairs & maintenance: −$2,203
• − Management: −$2,203
• − Depreciation: −$10,957
• Taxable loss: −$19,347
• Est. tax savings @ 24.0%: +$4,643
• After-tax cash flow: $-7,727/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: Houston ISD
• NCES district ID: 4823640
• Math proficiency: 27% ▼ -18.00%
• Reading proficiency: 35% ▼ -6.00%
• Median HH income: $46,054
• Composite: 26.63/100
• National rank: #7173
• State rank: #593 of 826 in TX

Livability — Houston

• Score: 74/100
• State rank: #184
• US rank: #4771

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Houston, TX
• County: Harris County · 4,702,590 people
• City population: 3,226,434
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 23,686
• Household income: $50,119
• Rent vs Own: 46.2% rent · 53.8% own
• Severe rent burden: 969.0

Population outlook (Harris County) Hauer SSP2

• Today (2025): 5,571,493 people
• By 2030: 6,089,821 · +9.3%
• By 2040: 7,142,806 · +28.2%
• By 2050: 8,185,864 · +46.9%
• By 2075: 10,574,329 · +89.8%
• By 2100: 12,109,958 · +117.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (69%)
• Race & ethnicity: Hispanic / Latino 69% Black 24% Two or more races 22% White 5% Asian 1%
• Hispanic origin (detail): Mexican 60%
• Common ancestry: Swiss 1%
• Foreign-born: 23% · Canada
• Languages at home: 39% English-only · Spanish 59% Other Indo-European 1%

Political lean MEDSL · Harris

• 2024 margin: Lean D (+5.5) · D 52.0% · R 46.4% · Other 1.6%
• 2008→2024 swing: +3.9pp toward D · 2008: 1.6pp · 2024: 5.5pp
• All cycles: 2024: D+5.5 2020: D+13.3 2016: D+12.4 2012: D+0.1 2008: D+1.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 55.64%
• Current HPI: 246.5578
• Rent YoY: ▲ 4.27%
• 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

-13.9% since first listed

11 events — show timeline

• 2026-06-11 Price Changed $340,000 HARMLS
• 2026-05-26 Listing Removed — HARMLS
• 2026-05-26 Listed $372,500 HARMLS
• 2026-01-13 Listing Removed — HARMLS
• 2026-01-13 Listed $372,500 HARMLS
• 2025-10-13 Listing Removed — HARMLS
• 2025-10-13 Listed $380,000 HARMLS
• 2025-09-03 Listed $395,000 HARMLS
• 2020-07-02 Sold (Public Records) — Public Records
• 2018-02-23 Sold (Public Records) — Public Records
• 1988-01-02 Sold (Public Records) — Public Records

Property tax history

+36.5%/yr

Latest (2025): $8,541 · +376.7% YoY. Source: county tax records.