111 Huerta St · San Antonio, TX 78207

$75,000

1 bd · 1.0 ba · 720 sqft · SingleFamily public records · 34 Days on market

Built 1952 3,223 sqft lot Est $91k · 17% under

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Why this score? — see what drove the A- 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 +27.4/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +9.6/10.0
• 1% rule +8.5/10.0
• Rent growth +4.4/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Schools +1.4/10.0

Listing remarks

Calling all Investors that seek potential properties! This property is ready for a complete transformation. Selling AS-IS. Has a mature tree in the backyard for natural shade. Located less than five miles from Downtown and many attractions.

Key facts

• Backyard
• Downtown
• Attractions

Tags

• BACKYARD
• DOWNTOWN
• ATTRACTIONS

Property features AI

Finance

• Other: Possession at closing/funding; For sale (not a short sale)
• HOA & community: Subdivision: S LAREDO SE TO FRIO CITY RD SA

Exterior

• Parking: Side entry parking
• Utilities: City water/sewer
• Home design: Pre-owned property; Approximately 74 years old
• Construction: Slab foundation; Composition roof
• Exterior features: Brick exterior

Interior

• Kitchen: Kitchen approximately 10 x 11
• Bedrooms: Master bedroom approximately 16 x 11
• Flooring: Other flooring (see remarks)
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas heat
• Interior features: Natural gas heating

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $220 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $73k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 3.8% in San Antonio — 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 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F.
• San Antonio ISD (urban): math 12% / reading 22% proficiency, ranked #805 of 826 in TX (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Collins Garden El (math 8% / reading 12%, grade F, #4,259 of 4,322 statewide, top 99%, 426 students, 95% FRL); Burbank H S (math 9% / reading 20%, grade F, #1,522 of 1,632 statewide, top 94%, 1,319 students, 90% FRL, charter).
• Market conditions: Rents rising fast (+7.7%/yr); 165 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 37% of the median local income ($32k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $8k of equity ($519 loan paydown + $8k appreciation (10.0% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 7.7% rent growth), your $21k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($73k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price; built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• 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 $72,750 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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. 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.
7. 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.
8. 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: 1.35% ✓
• Cap rate: 9.82%
• Cash-on-cash: 12.58%
• DSCR: 1.56
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $90,720
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
102 Noria	0.14mi	2/1.0 (+1)	694 (-4%)	2mo	$49,900	$72	81
227 Noria St	0.15mi	2/1.0 (+1)	696 (-3%)	4mo	$55,000	$79	79
410 Ceralvo	0.16mi	2/1.0 (+1)	672 (-7%)	7mo	$84,999	$126	71
350 Madero	0.25mi	2/1.0 (+1)	674 (-6%)	10mo	$39,900	$59	64
206 Mercedes	0.22mi	2/1.0 (+1)	809 (+12%)	2mo	$87,500	$108	63
360 Madero St	0.26mi	2/1.0 (+1)	680 (-6%)	13mo	$100,000	$147	63
530 Ceralvo	0.25mi	2/1.0 (+1)	676 (-6%)	16mo	$65,000	$96	60
557 Barrett	0.66mi	2/1.0 (+1)	748 (+4%)	8mo	$129,900	$174	51
209-211 Pendleton	0.60mi	1/1.0	672 (-7%)	14mo	$150,000	$223	50
231 Madero St	0.12mi	2/1.0 (+1)	823 (+14%)	24mo	$135,000	$164	46
553 Barrett	0.66mi	2/1.0 (+1)	660 (-8%)	13mo	$138,900	$210	40

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 · 7.73% rent growth · sell at horizon

5-year hold

• IRR: 36.0%
• Equity multiple: 3.86×
• Total profit: $59,978
• Equity at exit: $67,566

10-year hold

• IRR: 32.8%
• Equity multiple: 9.48×
• Total profit: $178,101
• Equity at exit: $145,709

Cash invested: $21,000 (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 78207

• Home prices YoY: 15.2%
• Rents YoY: 7.7%
• Active inventory: 165
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,014 high
• Mortgage (P&I): −$393
• Tax from tax record: −$156 /mo · $1,877/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$213
• Net cashflow: $220

Break-even live

Break-even rent $735

Max offer price $75,000

Occupancy floor 73%

Sensitivity live

Price	-10% $263	-5% $241	+0% $220	+5% $199	+10% $178
Rent	-10% $140	-5% $180	+0% $220	+5% $260	+10% $300
Rate	-1.0pp $258	-0.5pp $239	base $220	+0.5pp $201	+1.0pp $181

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1938 S Zarzamora St Unit 610 San Antonio, TX	1.0	1.0	744	$915	$1.23	4d	1	0.36mi
2003 S Zarzamora St San Antonio, TX	1.0–4.0	1.0–2.0	1028	$982	$0.96	24d	1	0.39mi
350 Barrett Pl San Antonio, TX	2.0	1.0	616	$1,225	$1.99	5d	1	0.65mi
330 Barrett Pl San Antonio, TX	1.0	1.0	400	$900	$2.25	13d	1	0.67mi
1901 S San Marcos Unit 610 San Antonio, TX	1.0	1.0	750	$962	$1.28	4d	1	0.73mi
815 Ripford St San Antonio, TX	2.0	1.0	728	$1,300	$1.79	5d	1	0.92mi
205 W Lambert St San Antonio, TX	2.0	1.0	550	$995	$1.81	18d	1	1.09mi
218 Tampico St San Antonio, TX	2.0	1.0–2.0	808	$1,204	$1.49	3d	28	1.12mi
1606 El Paso St San Antonio, TX	—	1.0	445	$788	$1.77	2d	1	1.14mi
131 Klein St #1 San Antonio, TX	2.0	1.0	653	$1,395	$2.14	45d	1	1.14mi
125 Forrest Ave San Antonio, TX	2.0	1.0	616	$1,275	$2.07	17d	1	1.18mi
2721 Colima St San Antonio, TX	2.0	1.0	700	$1,250	$1.79	15d	1	1.20mi
1102 El Paso St San Antonio, TX	1.0–3.0	1.0–2.0	888	$795	$0.90	4d	1	1.26mi
302 W Cevallos Unit 2 San Antonio, TX	1.0	1.0	400	$1,250	$3.12	44d	1	1.26mi
520 Prado St Unit 1 San Antonio, TX	2.0	1.0	620	$799	$1.29	44d	1	1.30mi
3017 Colima St San Antonio, TX	1.0	1.0	480	$800	$1.67	44d	1	1.32mi
128 Saint Francis Ave Unit 3 San Antonio, TX	1.0	1.0	528	$775	$1.47	24d	1	1.32mi
2600 S Flores St San Antonio, TX	2.0	1.0	705	$875	$1.24	24d	3	1.33mi
150 Bank St San Antonio, TX	1.0	1.0	700	$795	$1.14	44d	1	1.36mi
150 Bank St Unit C San Antonio, TX	1.0	1.0	600	$749	$1.25	21d	1	1.36mi
939 S Frio St Unit 1294 San Antonio, TX	1.0	1.0	630	$977	$1.55	4d	1	1.37mi
939 S Frio St Unit 294 San Antonio, TX	1.0	1.0	664	$1,009	$1.52	11d	1	1.37mi
1011 S Frio St San Antonio, TX	3.0	1.0–3.0	1121	$1,445	$1.29	2d	32	1.40mi
1401 S Flores St #300 San Antonio, TX	1.0	1.0	728	$1,750	$2.40	17d	1	1.42mi
515 Humble Ave San Antonio, TX	1.0	1.0	700	$810	$1.16	44d	1	1.42mi
112 Oelkers San Antonio, TX	1.0	1.0	420	$1,100	$2.62	4d	1	1.43mi
112 Oelkers St Unit 2 San Antonio, TX	1.0	1.0	375	$950	$2.53	44d	1	1.43mi
416 Collingsworth Unit 2 San Antonio, TX	2.0	1.0	570	$1,100	$1.93	44d	1	1.43mi

Listing history 15 events

1. 2026-06-21
   days on market $75,000 Active 34 DOM
2. 2026-06-18
   days on market $75,000 Active 31 DOM
3. 2026-06-17
   days on market $75,000 Active 30 DOM
4. 2026-06-16
   days on market $75,000 Active 29 DOM
5. 2026-06-15
   days on market $75,000 Active 28 DOM
6. 2026-06-13
   days on market $75,000 Active 26 DOM
7. 2026-06-09
   days on market $75,000 Active 22 DOM
8. 2026-06-08
   days on market $75,000 Active 21 DOM
9. 2026-06-07
   days on market $75,000 Active 20 DOM
10. 2026-06-04
    days on market $75,000 Active 17 DOM
11. 2026-06-03
    days on market $75,000 Active 16 DOM
12. 2026-06-02
    days on market $75,000 Active 15 DOM
13. 2026-06-01
    days on market $75,000 Active 14 DOM
14. 2026-05-31
    days on market $75,000 Active 13 DOM
15. 2026-05-18
    listed $75,000 New

ⓘ 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: $1,877 · $156/mo
• Projected year-2 tax: $1,877 · $156/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 8/10 Severe 7 d/yr ≥109°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,168
• − Mortgage interest: −$4,201
• − Property taxes: −$1,877
• − Insurance: −$375
• − Repairs & maintenance: −$973
• − Management: −$973
• − Depreciation: −$2,182
• Taxable income: $1,587
• Est. tax owed @ 24.0%: −$381
• After-tax cash flow: $2,261/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: San Antonio ISD
• NCES district ID: 4838730
• Math proficiency: 12% ▼ -21.00%
• Reading proficiency: 22% ▼ -7.00%
• Median HH income: $30,952
• Composite: 13.57/100
• National rank: #9512
• State rank: #805 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: San Antonio, TX
• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 55,474
• Household income: $32,472
• Rent vs Own: 59.7% rent · 40.3% own
• Severe rent burden: 2789.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (88%)
• Race & ethnicity: Hispanic / Latino 88% Two or more races 41% White 6% Black 5% Native American 2%
• Hispanic origin (detail): Mexican 79%
• Foreign-born: 19% · Canada
• Languages at home: 39% English-only · Spanish 60%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 34.92%
• Current HPI: 264.7559
• Rent YoY: ▲ 7.73%
• Metro: San Antonio-New Braunfels, 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

1 event — show timeline

• 2026-05-18 Listed $75,000 LERA

Property tax history

+7.8%/yr

Latest (2025): $1,877 · +0.0% YoY. Source: county tax records.