314 Woley Dr · San Antonio, TX 78228

$180,000

3 bd · 1.0 ba · 1,524 sqft · SingleFamily public records · 48 Days on market

Built 1953 7,187 sqft lot Est $207k · 13% under ↓ 4% since listing

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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 +13.6/30.0
• ARV discount +13.4/15.0
• 1% rule +4.6/10.0
• DSCR +4.1/10.0
• Livability +4.0/5.0
• Rent growth +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks

Furniture and interior decor are negotiable with the sale. It is Full Furnished, very clean, you can move in to live needing to carry a package only. Including Laundry Room with Washer and Dryer. Spacious Backyard providing Ample Outdoor Seating area. This is a beautiful home with 4 bedrooms, 7 beds and can accommodate 12 people. closer to Walmart and Heb, etc. St Mary University is less than 1 mile away. Transportation is very convenient

Key facts

• Spacious backyard
• Laundry room
• 7,187 sq ft lot

Tags

• LAUNDRY ROOM
• SPACIOUS BACKYARD
• AMPLE OUTDOOR SEATING

Property features AI

Finance

• HOA & community: Located in Loma Park Heights subdivision

Exterior

• Parking: Detached garage with space for four or more cars
• Utilities: Public water system
• Home design: Pre-owned property; Approximately 73 years old
• Construction: Slab foundation; Composition roof
• Exterior features: Wood siding exterior

Interior

• Kitchen: Cook top; Microwave; Stove/Range; Refrigerator; Dishwasher
• Bedrooms: Master bedroom on lower level (approx. 14 x 12); Bedroom 2 (approx. 10 x 10); Bedroom 3 (approx. 10 x 10); Bedroom 4 (approx. 10 x 10)
• Flooring: Ceramic tile floors
• Bathrooms: Two full bathrooms; Master bath with tub/shower combination (approx. 10 x 10)
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans throughout; Open floor plan with living/dining room combination; Two living areas; All window coverings remain; City garbage service
• Laundry & utility: Washer and dryer included; Washer and dryer connections; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $9 ($105/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 $172k (4.4% below list).
• Recommended offer: $172k (4.4% below list) — sets the bar for 1% rule.
• Cap rate 6.4% 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.
• Edgewood ISD (urban): math 12% / reading 21% proficiency, ranked #812 of 826 in TX (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Loma Park El (math 11% / reading 22%, grade F, #3,946 of 4,322 statewide, top 92%, 586 students, 98% FRL); Memorial H S (math 22% / reading 29%, grade F, #1,246 of 1,632 statewide, top 77%, 872 students, 92% FRL) — zoned schools average 95% FRL vs 24% district-wide (70 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.9%/yr); 91 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 39% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($175k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 3y ago 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.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 77% 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 $172,092 (4.4% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.96% ✗
• Cap rate: 6.35%
• Cash-on-cash: 0.21%
• DSCR: 1.01
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $207,264
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
242 Brandywine Ave	0.19mi	3/2.0	1,482 (-3%)	14mo	$195,000	$132	71
207 Continental	0.33mi	3/2.0	1,564 (+3%)	17mo	$316,000	$202	62
163 Continental	0.34mi	2/2.0 (-1)	1,475 (-3%)	15mo	$99,999	$68	58
327 Globe	0.49mi	3/1.5	1,562 (+2%)	22mo	$135,000	$86	53
274 Brandywine	0.23mi	4/1.0 (+1)	1,304 (-14%)	13mo	$204,990	$157	50
138 Riverdale Dr	0.51mi	3/1.0	1,716 (+13%)	13mo	$205,000	$119	44
4751 Lark	0.52mi	3/2.0	1,296 (-15%)	4mo	$159,900	$123	44
602 Overhill Dr	0.61mi	4/1.0 (+1)	1,688 (+11%)	16mo	$230,001	$136	35
4618 Lark	0.36mi	4/2.0 (+1)	1,720 (+13%)	22mo	$269,000	$156	35
331 Riverdale Dr	0.61mi	3/2.0	1,298 (-15%)	16mo	$254,990	$196	29

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 · 4.92% rent growth · sell at horizon

5-year hold

• IRR: -13.6%
• Equity multiple: 0.50×
• Total profit: $-25,128
• Equity at exit: $26,839

10-year hold

• IRR: -1.7%
• Equity multiple: 0.87×
• Total profit: $-6,329
• Equity at exit: $15,563

Cash invested: $50,400 (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 78228

• Home prices YoY: -22.1%
• Rents YoY: 4.9%
• Active inventory: 91
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,721 high
• Mortgage (P&I): −$944
• Tax from tax record: −$332 /mo · $3,982/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$361
• Net cashflow: $9

Break-even live

Break-even rent $1,710

Max offer price $180,000

Occupancy floor 94%

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4535 Lark San Antonio, TX	4.0	2.0	1514	$1,750	$1.16	23d	1	0.28mi
4767 Lark San Antonio, TX	3.0	1.0	1248	$1,475	$1.18	10d	1	0.56mi
1046 Hillcrest Dr San Antonio, TX	4.0	2.0	1546	$1,650	$1.07	43d	1	0.76mi
351 Overhill Dr Unit MH San Antonio, TX	3.0	1.0	1647	$1,550	$0.94	23d	1	0.87mi
330 W Cheryl Dr San Antonio, TX	1.0–3.0	1.0–2.0	975	$1,300	$1.33	43d	1	0.99mi
707 Tulane Dr San Antonio, TX	2.0	1.5	1500	$1,550	$1.03	43d	1	1.09mi
2313 Texas Ave San Antonio, TX	3.0	1.0	1309	$1,400	$1.07	44d	1	1.27mi
1735 Donaldson Ave San Antonio, TX	3.0	2.0	1610	$1,650	$1.02	17d	1	1.49mi
1735 Donaldson Ave San Antonio, TX	3.0	2.0	1610	$1,650	$1.02	23d	1	1.49mi

Listing history 17 events

1. 2026-06-18
   days on market $180,000 Active 48 DOM
2. 2026-06-17
   days on market $180,000 Active 47 DOM
3. 2026-06-16
   days on market $180,000 Active 46 DOM
4. 2026-06-15
   days on market $180,000 Active 45 DOM
5. 2026-06-14
   status $180,000 Active 43 DOM
6. 2026-06-13
   days on market $180,000 Price Change 43 DOM
7. 2026-06-12
   days on market $180,000 Price Change 42 DOM
8. 2026-06-09
   days on market $180,000 Price Change 39 DOM
9. 2026-06-08
   days on market $180,000 Price Change 38 DOM
10. 2026-06-08
    days on market $180,000 Price Change 37 DOM
11. 2026-06-07
    days on market $180,000 Price Change 36 DOM
12. 2026-06-04
    pricestatus $180,000 Price Change 33 DOM
13. 2026-06-03
    days on market $188,000 Active 33 DOM
14. 2026-06-02
    days on market $188,000 Active 32 DOM
15. 2026-06-01
    days on market $188,000 Active 31 DOM
16. 2026-05-31
    remarks 442-char remark
17. 2026-05-31
    listed $188,000 Active 30 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: $3,982 · $332/mo
• Projected year-2 tax: $3,982 · $332/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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 77% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,651
• − Mortgage interest: −$10,083
• − Property taxes: −$3,982
• − Insurance: −$900
• − Repairs & maintenance: −$1,652
• − Management: −$1,652
• − Depreciation: −$5,236
• Taxable loss: −$2,854
• Est. tax savings @ 24.0%: +$685
• After-tax cash flow: $790/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: Edgewood ISD
• NCES district ID: 4818150
• Math proficiency: 12% ▼ -18.00%
• Reading proficiency: 21% ▼ -5.00%
• Median HH income: $27,419
• Composite: 12.82/100
• National rank: #9597
• State rank: #812 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): 56,165
• Household income: $52,976
• Rent vs Own: 40.7% rent · 59.3% own
• Severe rent burden: 2709.0

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 43% White 8% Black 2%
• Hispanic origin (detail): Mexican 80%
• Common ancestry: Italian 1% Lithuanian 1%
• Foreign-born: 15% · Canada
• Languages at home: 46% English-only · Spanish 53% Other Indo-European 1%

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: ▼ -74.04%
• Current HPI: 261.1558
• Rent YoY: ▲ 4.92%
• 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

-4.1% since first listed

33 events — show timeline

• 2026-05-02 Price Changed $187,000 LERA
• 2026-05-02 Relisted — LERA
• 2026-05-01 Listing Removed — LERA
• 2026-05-01 Listed $188,000 LERA
• 2026-04-03 Listing Removed — LERA
• 2026-04-01 Relisted — LERA
• 2026-03-22 Contingent — LERA
• 2025-11-05 Price Changed $189,000 LERA
• 2025-08-22 Price Changed $194,000 LERA
• 2025-07-23 Price Changed $196,000 LERA
• 2025-07-10 Price Changed $209,000 LERA
• 2025-07-05 Price Changed $196,000 LERA
• 2025-07-02 Listing Removed — LERA
• 2025-07-01 Listed $180,000 LERA
• 2025-05-20 Rental Removed $1,600 SABOR
• 2025-04-20 Price Changed $1,600 SABOR
• 2025-04-19 Price Changed $1,750 SABOR
• 2025-04-16 Price Changed $1,600 SABOR
• 2025-04-14 Price Changed $1,750 SABOR
• 2025-04-12 Price Changed $1,900 SABOR
• 2025-04-11 Price Changed $2,100 SABOR
• 2025-04-10 Listed for Rent $2,300 SABOR
• 2025-04-10 Listed $180,000 LERA
• 2025-04-09 Listing Removed — HARMLS
• 2025-04-09 Listed $180,000 HARMLS
• 2024-11-01 Rental Removed $2,300 SABOR
• 2024-03-09 Listed for Rent $2,400 SABOR
• 2023-06-20 Sold (Public Records) — Public Records
• 2023-06-16 Sold (MLS) — LERA
• 2023-06-05 Pending — LERA
• 2023-05-30 Contingent — LERA
• 2023-05-23 Price Changed $180,000 LERA
• 2023-05-03 Listed $195,000 LERA

Property tax history

+6.0%/yr

Latest (2025): $3,982 · -2.0% YoY. Source: county tax records.