1303 S 13th St · Temple, TX 76513

$99,000

2 bd · 1.0 ba · 592 sqft · SingleFamily public records · 12 Days on market

Built 1914 4,791 sqft lot $167/sqft · 30% above area Est $76k · 30% over

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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 +19.0/30.0
• DSCR +6.0/10.0
• 1% rule +5.6/10.0
• Livability +3.8/5.0
• Rent growth +2.8/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

OWNER FINANCE!! 4-minutes to Baylor Scott & White or the VA Hospital-ADORABLE TURN-KEY HOME-Furnishings & all NEW APPLIANCES remain. Just bring your suitcase. The backyard is a blank slate, ready for your vision. CHARMING, super cozy, 2 bedroom / 1 bath, built in 1914, with a large. private yard. This complete remodel offers all NEW appliances, NEW electrical, NEW plumbing, & NEW foundation leveling, with a home warranty! NEW wood laminate floors, no carpet. You will love the light & bright kitchen, a stylish modern update, freshly painted cabinets. New black ceiling fans, new light fixtures, new appliances, including a stackable washer & dryer, refrigerator, st

Key facts

• New plumbing
• Private backyard
• New flooring

Tags

• PRIVATE BACKYARD
• NEW ELECTRICAL
• NEW PLUMBING
• NEW FIXTURES
• NEW PAINT
• NEW FLOORING

Property features AI

Finance

• Financial info: Current lease expires 2026-08-31

Exterior

• Utilities: Water available; Public water; Public sewer
• Home design: Single-story; Fixer / resale condition
• Construction: Wood siding; Composition/Shingle roof; Pillar/Post/Pier foundation; Year built (per assessor)
• Exterior features: Private yard; Back yard fencing; City lot; Less than quarter acre; City street frontage

Interior

• Kitchen: Electric cooktop; Electric range; Built-in oven; Oven; Refrigerator; Cooktop
• Bedrooms: All bedrooms are on the main level
• Flooring: No carpet; Luxury vinyl plank
• Bathrooms: 1 full bathroom
• Heating & cooling: Cooling present (two units)
• Interior features: All bedrooms on the main level; Ceiling fan(s)
• Laundry & utility: Stacked laundry

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $103 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $99k).
• Cap rate 7.5% 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 rising (+1.3%/yr); 745 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 45% 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).
• This rent is only 16% of the median local income ($81k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k 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

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts 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.
• Current owner paid $30k; list at $99k implies a 230% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1914 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 70% chance of damaging wind over 30y; extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $99,000

Questions for the listing agent

1. Built in 1914 — 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. 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?
4. 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?
5. 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.
6. 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.
7. 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: 1.06% ✓
• Cap rate: 7.55%
• Cash-on-cash: 4.48%
• DSCR: 1.20
• GRM: 7.9

CMA / ARV

• ARV (median comp): $76,231
• List price: $99,000
• Delta: 56.10%
• Verdict: OVERPRICED
• Comps: 8 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1303 S 13th St	0.00mi	1/1.0 (-1)	592 (0%)	4mo	$54,900	$93	92
312 W E Unit J	0.67mi	2/1.0	600 (+1%)	5mo	$40,000	$67	62
312 East Avenue J	0.67mi	2/1.0	600 (+1%)	5mo	$40,000	$67	62

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 · 1.29% rent growth · sell at horizon

5-year hold

• IRR: -11.3%
• Equity multiple: 0.60×
• Total profit: $-11,186
• Equity at exit: $14,761

10-year hold

• IRR: -4.8%
• Equity multiple: 0.71×
• Total profit: $-8,112
• Equity at exit: $8,560

Cash invested: $27,720 (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 76513

• Rents YoY: 1.3%
• Active inventory: 745
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,045 high
• Mortgage (P&I): −$519
• Tax from tax record: −$162 /mo · $1,939/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$219
• Net cashflow: $103

Break-even live

Break-even rent $914

Max offer price $99,000

Occupancy floor 85%

Sensitivity live

Price	-10% $159	-5% $131	+0% $103	+5% $75	+10% $47
Rent	-10% $21	-5% $62	+0% $103	+5% $145	+10% $186
Rate	-1.0pp $153	-0.5pp $129	base $103	+0.5pp $78	+1.0pp $52

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1511 S 11th St Temple, TX	2.0	1.0	735	$1,095	$1.49	14d	1	0.19mi
804 S 31st St Temple, TX	1.0	1.0	522	$649	$1.24	24d	1	0.67mi
804 S 31st St Temple, TX	1.0	1.0	522	$799	$1.53	44d	1	0.67mi
1118 Martin Luther King Junior Dr Unit D Temple, TX	1.0	1.0	572	$750	$1.31	14d	1	0.67mi
2405 S 13th St Temple, TX	1.0–2.0	1.0–2.0	835	$1,065	$1.28	14d	4	0.79mi
1802 West Avenue H Unit A Temple, TX	1.0	1.0	730	$700	$0.96	44d	1	0.81mi
1802 West Avenue H Unit D Temple, TX	2.0	1.0	700	$850	$1.21	44d	1	0.81mi
640 SW H K Dodgen Loop Temple, TX	1.0–2.0	1.0–2.0	857	$1,899	$2.22	14d	1	0.97mi
2102 Scott Blvd Temple, TX	1.0–3.0	1.0–2.0	924	$1,717	$1.86	14d	22	1.02mi
2510 S 31st St Temple, TX	1.0–3.0	1.0–2.0	987	$1,318	$1.34	14d	26	1.12mi
510 S Knob St Unit A Temple, TX	1.0	1.0	560	$650	$1.16	44d	1	1.16mi
901 S 20th St Unit b Temple, TX	1.0	1.0	615	$750	$1.22	14d	1	1.18mi
513 S Knob St Unit B Temple, TX	1.0	1.0	560	$550	$0.98	44d	1	1.18mi
714 S 20th St Unit B Temple, TX	2.0	1.0	650	$750	$1.15	44d	1	1.19mi
514 E Central Ave Unit B Temple, TX	1.0	1.0	560	$695	$1.24	14d	1	1.22mi
1104 S Terrace St Unit A Temple, TX	1.0	1.0	560	$750	$1.34	14d	1	1.23mi
607 A S Terrace ST Unit A Temple, TX	1.0	1.0	560	$550	$0.98	44d	1	1.35mi
701a S 24th St Unit A Temple, TX	1.0	1.0	550	$795	$1.45	44d	1	1.37mi
701 S 24th St Unit B Temple, TX	1.0	1.0	555	$795	$1.43	44d	1	1.38mi
720 Azalea Dr Temple, TX	1.0–2.0	1.0–2.0	780	$1,375	$1.76	14d	10	1.40mi
2805 West Ave N Unit A Temple, TX	1.0	1.0	612	$1,100	$1.80	44d	1	1.41mi
606 S 26th St Apt A Temple, TX	1.0	1.0	580	$750	$1.29	14d	1	1.41mi

Listing history 38 events

1. 2026-06-18
   days on market $99,000 Active 12 DOM
2. 2026-06-17
   days on market $99,000 Active 11 DOM
3. 2026-06-16
   days on market $99,000 Active 10 DOM
4. 2026-06-15
   days on market $99,000 Active 9 DOM
5. 2026-06-14
   pricedays on market $99,000 Active 7 DOM
6. 2026-06-10
   days on market $99,500 Active 4 DOM
7. 2026-06-09
   days on market $99,500 Active 3 DOM
8. 2026-06-08
   days on market $99,500 Active 2 DOM
9. 2026-06-07
   pricestatusdays on marketlisting id $99,500 Active 1 DOM
10. 2026-05-16
    historical
11. 2026-05-12
    price $99,900
12. 2026-05-11
    price $99,000
13. 2026-05-04
    price $119,000
14. 2026-04-29
    price $129,000
15. 2026-04-24
    price $139,000
16. 2026-04-19
    listed $149,000 Active
17. 2026-03-16
    historical
18. 2026-03-14
    price $99,999
19. 2026-03-06
    price $79,999
20. 2026-02-24
    soldstatus
21. 2026-02-23
    soldstatus $30,000 Closed
22. 2026-02-23
    soldstatus Closed
23. 2026-02-23
    listed $69,999 Active
24. 2026-02-12
    status Pending
25. 2026-02-12
    status Pending
26. 2026-01-12
    price $54,900
27. 2026-01-12
    price $54,900
28. 2025-12-29
    status Active
29. 2025-12-29
    status Active
30. 2025-12-06
    status Pending
31. 2025-12-06
    status Pending
32. 2025-12-05
    historical Active Under Contract
33. 2025-12-05
    historical Active Under Contract
34. 2025-11-14
    listed $59,900 Active
35. 2025-11-13
    listed $59,900 Active
36. 2025-06-10
    soldstatus
37. 2024-12-23
    soldstatus
38. 1997-11-21
    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: $1,939 · $162/mo
• Projected year-2 tax: $1,939 · $162/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 7/10 Severe 6 d/yr ≥108°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 70% 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: $12,538
• − Mortgage interest: −$5,546
• − Property taxes: −$1,939
• − Insurance: −$495
• − Repairs & maintenance: −$1,003
• − Management: −$1,003
• − Depreciation: −$2,880
• Taxable loss: −$328
• Est. tax savings @ 24.0%: +$79
• After-tax cash flow: $1,319/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

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 45,928
• Household income: $80,661
• Rent vs Own: 28.1% rent · 71.9% own
• Severe rent burden: 1198.0

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: Majority White (62%)
• Race & ethnicity: White 62% Hispanic / Latino 24% Two or more races 14% Black 6% Asian 2%
• Hispanic origin (detail): Mexican 19% Puerto Rican 1%
• Common ancestry: Italian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 83% English-only · Spanish 13% Korean 1% 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: ▼ -105.10%
• Current HPI: 183.6715
• Rent YoY: ▲ 1.29%
• 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

+65.3% since first listed

31 events — show timeline

• 2026-06-13 Price Changed $99,000 CTXMLS
• 2026-06-06 Listed $99,500 CTXMLS
• 2026-05-16 Listing Removed — CTXMLS
• 2026-05-12 Price Changed $99,900 CTXMLS
• 2026-05-11 Price Changed $99,000 CTXMLS
• 2026-05-04 Price Changed $119,000 CTXMLS
• 2026-04-29 Price Changed $129,000 CTXMLS
• 2026-04-24 Price Changed $139,000 CTXMLS
• 2026-04-19 Listed $149,000 CTXMLS
• 2026-03-16 Listing Removed — CTXMLS
• 2026-03-14 Price Changed $99,999 CTXMLS
• 2026-03-06 Price Changed $79,999 CTXMLS
• 2026-02-24 Sold (Public Records) — Public Records
• 2026-02-23 Listed $69,999 CTXMLS
• 2026-02-23 Sold (MLS) $30,000 CTXMLS
• 2026-02-23 Sold (MLS) — Unlock MLS
• 2026-02-12 Pending — Unlock MLS
• 2026-02-12 Pending — CTXMLS
• 2026-01-12 Price Changed $54,900 CTXMLS
• 2026-01-12 Price Changed $54,900 Unlock MLS
• 2025-12-29 Relisted — CTXMLS
• 2025-12-29 Relisted — Unlock MLS
• 2025-12-06 Pending — Unlock MLS
• 2025-12-06 Pending — CTXMLS
• 2025-12-05 Contingent — Unlock MLS
• 2025-12-05 Contingent — CTXMLS
• 2025-11-14 Listed $59,900 Unlock MLS
• 2025-11-13 Listed $59,900 CTXMLS
• 2025-06-10 Sold (Public Records) — Public Records
• 2024-12-23 Sold (Public Records) — Public Records
• 1997-11-21 Sold (Public Records) — Public Records

Property tax history

+8.7%/yr

Latest (2026): $1,939 · -1.5% YoY. Source: county tax records.