5200 Columbia · Schertz, TX 78108

$248,000

3 bd · 2.0 ba · 1,758 sqft · SingleFamily · 182 Days on market

Built 2006 6,621 sqft lot Est $283k · 12% under $25/mo HOA · 1% of rent

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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).

• ARV discount +13.1/15.0
• Cash flow +8.0/30.0
• Appreciation +5.2/10.0
• Schools +4.4/10.0
• Livability +3.7/5.0
• 1% rule +3.1/10.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• DSCR +2.1/10.0

Listing remarks MLS

**NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

Key facts

• Full bath
• Granite countertops
• Open-concept layout

Tags

• OPEN-CONCEPT LAYOUT
• BRAND NEW LVP FLOORING
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• PRIVATE PRIMARY SUITE
• FULL BATH

Property features AI

Finance

• Financial info: Down payment resources available
• HOA & community: Mandatory HOA; HOA fee $295 annually; Association transfer fee $250

Exterior

• Parking: 2-car garage
• Utilities: City water and sewer; Electric service
• Home design: Pre-owned single-family home; Built by Pulte; Approximately 20 years old; Located in the Scenic Hills subdivision (Fairways @ Scenic Hills #1)
• Construction: Brick exterior; Cement fiber exterior; Slab foundation; Composition roof; Built by Pulte
• Exterior features: Brick and cement fiber exterior; Slab foundation; Composition roof; Community amenities include pool, park/playground, jogging trails, and sports court

Interior

• Kitchen: Stove / range; Microwave; Dishwasher; Disposal; Ice maker connection; Vent fan; Kitchen approximately 13 x 10; Solid countertops
• Bedrooms: Master bedroom with walk-in closet, ceiling fan, and full bath; Second bedroom (11 x 11); Third bedroom (11 x 10); Master bedroom dimensions approximately 14 x 14
• Flooring: Wood flooring; Laminate flooring
• Bathrooms: Two full bathrooms; Master bath with separate tub and shower, garden tub, and single vanity (approx. 10 x 8)
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans throughout; Chandelier; Living and dining area combination with separate dining room; Breakfast bar; Study / library; Open floor plan; Utility room inside; Laundry on main level; Cable TV available; High-speed internet available; Some window coverings remain; Solid countertops
• Laundry & utility: Washer and dryer connections; Laundry on main level; Electric water heater; Utility room inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $248k.

Deal economics

• At list price, monthly cash flow is $-253 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $203k (18.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $201k (19.0% below list).
• Recommended offer: $201k (19.0% below list) — sets the bar for 1% rule.
• Cap rate 5.1% vs local median 2.8% in Schertz — 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 73/100 on livability (#198 in TX) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A; Watch: health & safety D+, amenities F, commute F.
• Schertz-Cibolo-U City ISD (suburban): math 49% / reading 48% proficiency, ranked #152 of 826 in TX (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: John A Sippel El (math 40% / reading 41%, grade F, #1,490 of 4,322 statewide, top 35%, 743 students, 35% FRL); Byron P Steele Ii H S (math 68% / reading 66%, grade B, #163 of 1,632 statewide, top 11%, 2,716 students, 25% FRL) — zoned schools at 30% FRL track the district average.
• Market conditions: Rents rising (+2.4%/yr); 739 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 2,064 units permitted in Guadalupe County in 2024 (133 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($2k loan paydown + $1k appreciation (0.5% local appreciation)).
• Guadalupe County population projected at +61% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 10, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 182 days — a 12% lower offer ($218k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 17y ago; this cycle's ask has dropped $37k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $200,998 (19.0% 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. It's been on market 182 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.81% ✗
• Cap rate: 5.07%
• Cash-on-cash: -4.37%
• DSCR: 0.81
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $283,038
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5408 Columbia Dr	0.17mi	3/2.0	1,745 (-1%)	0mo	$265,000	$152	90
4903 Midland Dr	0.19mi	3/2.0	1,666 (-5%)	1mo	$399,990	$240	81
6784 Concho	0.50mi	3/2.0	1,722 (-2%)	3mo	$344,500	$200	71
3704 Scenic Dr	0.31mi	3/2.0	1,920 (+9%)	2mo	$265,000	$138	69
3529 Cliffside	0.60mi	3/2.0	1,648 (-6%)	2mo	$224,500	$136	60
5010 Crestwood Dr	0.62mi	4/2.0 (+1)	1,707 (-3%)	1mo	$275,000	$161	60
6785 Concho Crk	0.52mi	4/2.0 (+1)	1,866 (+6%)	2mo	$370,000	$198	59
3505 Wimbledon Dr	0.59mi	3/2.0	1,902 (+8%)	1mo	$299,900	$158	58
5018 Wedgewood	0.57mi	3/2.0	1,944 (+11%)	1mo	$189,900	$98	55
6801 Concho Crk	0.56mi	3/2.5	1,945 (+11%)	0mo	$325,000	$167	54
5725 Maxfli Dr	0.49mi	3/2.0	1,510 (-14%)	1mo	$209,000	$138	53
6017 Scenic Links	0.46mi	3/2.0	1,510 (-14%)	2mo	$244,000	$162	53

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

Projected returns pro-forma

0.47% appreciation · 2.42% rent growth · sell at horizon

5-year hold

• IRR: -5.6%
• Equity multiple: 0.73×
• Total profit: $-18,894
• Equity at exit: $77,900

10-year hold

• IRR: -0.3%
• Equity multiple: 0.96×
• Total profit: $-2,577
• Equity at exit: $98,477

Cash invested: $69,440 (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 78108

• Home prices YoY: 0.3%
• Rents YoY: 2.4%
• Active inventory: 739
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,010 high
• Mortgage (P&I): −$1,301
• Tax from tax record: −$412 /mo · $4,945/yr
• Insurance: −$103
• HOA: −$25
• Vacancy / Maint / Mgmt: −$422
• Net cashflow: $-253

Break-even live

Break-even rent $2,330

Max offer price $203,301

Occupancy floor —

Sensitivity live

Price	-10% $-113	-5% $-183	+0% $-253	+5% $-323	+10% $-393
Rent	-10% $-412	-5% $-332	+0% $-253	+5% $-174	+10% $-94
Rate	-1.0pp $-128	-0.5pp $-190	base $-253	+0.5pp $-317	+1.0pp $-383

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: $62,000
• Closing costs: $7,440
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5125 Columbia Dr Cibolo, TX	4.0	3.0	2606	$2,095	$0.80	24d	1	0.09mi
5244 Brookline Schertz, TX	3.0	2.0	1758	$1,750	$1.00	24d	1	0.10mi
5248 Columbia Dr Cibolo, TX	3.0	2.0	1745	$1,800	$1.03	24d	1	0.11mi
5708 Mahogany Bay Schertz, TX	4.0	2.5	2372	$1,950	$0.82	44d	1	0.37mi
6661 Bowie Cv Schertz, TX	3.0	3.0	2398	$2,195	$0.92	13d	1	0.53mi
5744 Columbia Dr Cibolo, TX	3.0	2.5	2405	$2,029	$0.84	24d	1	0.54mi
3438 Columbia Dr Cibolo, TX	3.0	2.5	2312	$1,970	$0.85	44d	1	0.68mi
4909 Tiffany Ln Schertz, TX	3.0	2.0	1434	$1,629	$1.14	24d	1	0.73mi
3410 Sherwin Dr Schertz, TX	3.0	2.5	2329	$1,850	$0.79	4d	1	0.75mi
3406 Sherwin Dr Schertz, TX	3.0	2.5	1819	$1,950	$1.07	24d	1	0.77mi
3401 Charleston Ln Cibolo, TX	4.0	3.0	2403	$2,995	$1.25	24d	1	0.84mi
3301 Orth Ave Schertz, TX	3.0	2.0	1654	$2,200	$1.33	3d	1	1.03mi
524 Landmark Gate Cibolo, TX	4.0	2.5	2496	$2,300	$0.92	24d	1	1.08mi
424 Landmark Fls Cibolo, TX	4.0	2.0	2354	$2,100	$0.89	5d	1	1.18mi
104 Landmark Brk Cibolo, TX	4.0	2.5	2496	$2,195	$0.88	5d	1	1.30mi
5226 Nature Path Marion, TX	3.0	2.0	1542	$1,375	$0.89	44d	1	1.41mi
5140 McKittrick Marion, TX	4.0	3.0	2269	$2,200	$0.97	18d	1	1.44mi
2272 Monument Hl , TX	4.0	3.0	2210	$2,400	$1.09	18d	1	1.44mi
920 Foxbrook Way Cibolo, TX	4.0	3.0	2403	$2,350	$0.98	24d	1	1.46mi
5012 Arrow Vis Marion, TX	4.0	2.5	2100	$2,000	$0.95	13d	1	1.46mi
741 Clearbrook Ave Schertz, TX	4.0	2.0	2259	$2,195	$0.97	24d	1	1.46mi
4821 Park Gln Marion, TX	4.0	3.0	2245	$2,147	$0.96	44d	1	1.47mi
4809 Park Gln Marion, TX	3.0	2.5	2089	$2,150	$1.03	44d	1	1.48mi

HOA detail

• Monthly dues: $25 · $300/yr
• Likely covers: pool

Listing history 38 events

1. 2026-06-18
   days on market $248,000 Active 182 DOM
2. 2026-06-17
   days on market $248,000 Active 181 DOM
3. 2026-06-16
   days on market $248,000 Active 180 DOM
4. 2026-06-13
   days on market $248,000 Active 177 DOM
5. 2026-06-13
   days on market $248,000 Active 176 DOM
6. 2026-06-09
   days on market $248,000 Active 173 DOM
7. 2026-06-08
   days on market $248,000 Active 172 DOM
8. 2026-06-07
   days on market $248,000 Active 171 DOM
9. 2026-06-04
   days on market $248,000 Active 168 DOM
10. 2026-06-03
    days on market $248,000 Active 167 DOM
11. 2026-06-02
    days on market $248,000 Active 166 DOM
12. 2026-06-01
    days on market $248,000 Active 165 DOM
13. 2026-05-31
    days on market $248,000 Active 164 DOM
14. 2026-05-20
    status Back on Market
15. 2026-05-18
    historical Active Option
16. 2026-05-14
    price $248,000
17. 2026-04-28
    price $262,000
18. 2026-04-03
    price $269,000
19. 2026-02-26
    price $275,000
20. 2026-01-31
    price $280,000
21. 2025-12-31
    soldstatus
22. 2025-12-18
    listed $285,000 New
23. 2025-11-10
    soldstatus Sold 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

24. 2025-10-30
    status Pending 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

25. 2025-10-09
    historical Active Option 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

26. 2025-10-06
    price $260,000 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

27. 2025-09-17
    price $268,995 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

28. 2025-08-22
    price $269,000 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

29. 2025-08-02
    price $280,000 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

30. 2025-07-10
    price $284,000 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

31. 2025-07-10
    status Back on Market 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

32. 2025-07-06
    historical Active Option 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

33. 2025-06-01
    price $289,000 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

34. 2025-05-17
    listed $295,000 New 612-char remark

    Show marketing remark (612 chars)

    **NEW ROOF BUYER CAN PICK COLOR**Well-maintained 3-bedroom, 2-bath PLUS OFFICE one-story home on a CORNER LOT in Cibolo. Offers comfortable living space with EXTENDED KITCHEN COUNTER AND CABINETRY including a BUILT-IN WINE COOLER, a custom BACKYARD ENTERTAINMENT SPACE-perfect for relaxing outdoors. Located in a desirable neighborhood featuring a community pool, park, walking trails, and sports court. Conveniently situated near IH-35, Randolph AFB, shopping, restaurants, and Old Town Cibolo. Zoned to highly rated Steele High School. A great opportunity for anyone looking for location, space, and lifestyle

35. 2009-06-24
    soldstatus
36. 2009-06-19
    soldstatus 518-char remark

    Show marketing remark (518 chars)

    Beautiful! Tile throughout all wet areas, dining, hallways, & bathrooms! Upgraded lights and fixtures throughout this house! Glass-top range & upgraded sink! Insulated interior walls, extra shelves installed in laundry room, custom paint color scheme, extended back patio slab, and low maintenance backyard! Home is wired for surround sound! Custom shelving in garage stays! Cable outlet in garage! Home built in 2006 and still under Pulte's 10-year home warranty! Golf course within walking distance!

37. 2009-05-01
    historical 518-char remark

    Show marketing remark (518 chars)

    Beautiful! Tile throughout all wet areas, dining, hallways, & bathrooms! Upgraded lights and fixtures throughout this house! Glass-top range & upgraded sink! Insulated interior walls, extra shelves installed in laundry room, custom paint color scheme, extended back patio slab, and low maintenance backyard! Home is wired for surround sound! Custom shelving in garage stays! Cable outlet in garage! Home built in 2006 and still under Pulte's 10-year home warranty! Golf course within walking distance!

38. 2009-03-05
    listed $144,990 518-char remark

    Show marketing remark (518 chars)

    Beautiful! Tile throughout all wet areas, dining, hallways, & bathrooms! Upgraded lights and fixtures throughout this house! Glass-top range & upgraded sink! Insulated interior walls, extra shelves installed in laundry room, custom paint color scheme, extended back patio slab, and low maintenance backyard! Home is wired for surround sound! Custom shelving in garage stays! Cable outlet in garage! Home built in 2006 and still under Pulte's 10-year home warranty! Golf course within walking distance!

ⓘ 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: $4,945 · $412/mo
• Projected year-2 tax: $4,945 · $412/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 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: $24,120
• − Mortgage interest: −$13,892
• − Property taxes: −$4,945
• − Insurance: −$1,240
• − Repairs & maintenance: −$1,930
• − Management: −$1,930
• − HOA: −$300
• − Depreciation: −$7,215
• Taxable loss: −$7,330
• Est. tax savings @ 24.0%: +$1,759
• After-tax cash flow: $-1,277/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: Schertz-Cibolo-U City ISD
• NCES district ID: 4839480
• Math proficiency: 49% ▼ -12.00%
• Reading proficiency: 48% ▼ -4.00%
• Median HH income: $75,790
• Composite: 44.02/100
• National rank: #2886
• State rank: #152 of 826 in TX

Livability — Schertz

• Score: 73/100
• State rank: #198
• US rank: #5013

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Schertz, TX
• County: Guadalupe County · 147,291 people
• City population: 41,907
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 49,784
• Household income: $113,004
• Rent vs Own: 16.1% rent · 83.9% own
• Severe rent burden: 521.0

Population outlook (Guadalupe County) Hauer SSP2

• Today (2025): 196,854 people
• By 2030: 220,210 · +11.9%
• By 2040: 268,004 · +36.1%
• By 2050: 316,333 · +60.7%
• By 2075: 434,747 · +120.8%
• By 2100: 520,447 · +164.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: White 46% Hispanic / Latino 30% Two or more races 22% Black 13% Asian 3%
• Hispanic origin (detail): Mexican 22% Puerto Rican 4%
• Common ancestry: Italian 2% Lithuanian 2% Slovak 2%
• Foreign-born: 7% · Canada, Vietnam, China
• Languages at home: 83% English-only · Spanish 13% Vietnamese 1% German/W. Germanic 1%

Political lean MEDSL · Guadalupe

• 2024 margin: Strong R (+29.5) · D 34.8% · R 64.3%
• 2008→2024 swing: +1.5pp toward D · 2008: -31.0pp · 2024: -29.5pp
• All cycles: 2024: R+29.5 2020: R+24.2 2016: R+31.8 2012: R+35.1 2008: R+31.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.47%
• Current HPI: 182.7296
• Rent YoY: ▲ 2.42%
• 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

+71.0% since first listed

25 events — show timeline

• 2026-05-20 Relisted — LERA
• 2026-05-18 Contingent — LERA
• 2026-05-14 Price Changed $248,000 LERA
• 2026-04-28 Price Changed $262,000 LERA
• 2026-04-03 Price Changed $269,000 LERA
• 2026-02-26 Price Changed $275,000 LERA
• 2026-01-31 Price Changed $280,000 LERA
• 2025-12-31 Sold (Public Records) — Public Records
• 2025-12-18 Listed $285,000 LERA
• 2025-11-10 Sold (MLS) — LERA
• 2025-10-30 Pending — LERA
• 2025-10-09 Contingent — LERA
• 2025-10-06 Price Changed $260,000 LERA
• 2025-09-17 Price Changed $268,995 LERA
• 2025-08-22 Price Changed $269,000 LERA
• 2025-08-02 Price Changed $280,000 LERA
• 2025-07-10 Price Changed $284,000 LERA
• 2025-07-10 Relisted — LERA
• 2025-07-06 Contingent — LERA
• 2025-06-01 Price Changed $289,000 LERA
• 2025-05-17 Listed $295,000 LERA
• 2009-06-24 Sold (Public Records) — Public Records
• 2009-06-19 Sold (MLS) — LERA
• 2009-05-01 Listing Removed — LERA
• 2009-03-05 Listed $144,990 LERA

Property tax history

+11.3%/yr

Latest (2026): $4,945 · +85.3% YoY. Source: county tax records.