113 Ozmer St · Borger, TX 79007

$88,660

2 bd · 1.0 ba · 768 sqft · SingleFamily public records · 27 Days on market

Built 1955 6,600 sqft lot

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Why this score? — see what drove the C- 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 +20.2/30.0
• ARV discount +7.5/15.0
• 1% rule +6.6/10.0
• DSCR +6.4/10.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

Key facts

• New hvac
• Spacious kitchen
• Large backyard

Tags

• UPDATED HOME
• SPACIOUS KITCHEN
• COMFORTABLE LIVING AREA
• LARGE BACKYARD
• NEW HVAC
• NEW FLOORING

Property features AI

Exterior

• Parking: Detached 1-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One story; Residential property
• Construction: Composition roof; Pillar/Post/Pier foundation
• Exterior features: Wood fencing; 55 x 120 lot dimensions

Interior

• Kitchen: Oven; Range
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air; Ceiling fan(s)
• Interior features: Oven; Range
• Laundry & utility: Laundry located in the kitchen

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $89k.

Deal economics

• At list price, monthly cash flow is $112 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $89k).
• Recommended offer: $87k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#268 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, schools D, employment D.
• Borger ISD (town): math 43% / reading 41% proficiency, ranked #348 of 826 in TX (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 88 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 2 units permitted in Hutchinson County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $613 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
• 4 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: property tax is 2.7% of price; built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,330 (1.5% below list)

Questions for the listing agent

1. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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: 1.16% ✓
• Cap rate: 7.81%
• Cash-on-cash: 5.43%
• DSCR: 1.24
• GRM: 7.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.8%
• Equity multiple: 0.71×
• Total profit: $-7,138
• Equity at exit: $13,219

10-year hold

• IRR: 1.9%
• Equity multiple: 1.13×
• Total profit: $3,289
• Equity at exit: $7,666

Cash invested: $24,825 (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 79007

• Active inventory: 88
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,031 medium
• Mortgage (P&I): −$465
• Tax from tax record: −$200 /mo · $2,406/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$217
• Net cashflow: $112

Break-even live

Break-even rent $889

Max offer price $88,660

Occupancy floor 84%

Sensitivity live

Price	-10% $163	-5% $137	+0% $112	+5% $87	+10% $62
Rent	-10% $31	-5% $72	+0% $112	+5% $153	+10% $194
Rate	-1.0pp $157	-0.5pp $135	base $112	+0.5pp $89	+1.0pp $66

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: $22,165
• Closing costs: $2,660
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
607 W Wilson St Borger, TX	2.0	1.0	850	$1,200	$1.41	44d	1	1.18mi
201 N McGee St Borger, TX	1.0	1.0	600	$800	$1.33	14d	1	1.40mi

Listing history 29 events

1. 2026-06-18
   status $88,660 Pending 27 DOM
2. 2026-06-18
   days on market $88,660 Active 27 DOM
3. 2026-06-17
   days on market $88,660 Active 26 DOM
4. 2026-06-16
   days on market $88,660 Active 25 DOM
5. 2026-06-15
   days on market $88,660 Active 24 DOM
6. 2026-06-13
   days on market $88,660 Active 22 DOM
7. 2026-06-12
   days on market $88,660 Active 21 DOM
8. 2026-06-09
   days on market $88,660 Active 18 DOM
9. 2026-06-08
   days on market $88,660 Active 17 DOM
10. 2026-06-08
    days on market $88,660 Active 16 DOM
11. 2026-06-05
    days on market $88,660 Active 14 DOM
12. 2026-06-03
    days on market $88,660 Active 12 DOM
13. 2026-06-02
    days on market $88,660 Active 11 DOM
14. 2026-06-01
    days on market $88,660 Active 10 DOM
15. 2026-05-31
    days on market $88,660 Active 9 DOM
16. 2026-05-22
    listed $88,660 Active
17. 2024-10-09
    soldstatus
18. 2024-02-08
    soldstatus
19. 2024-02-07
    soldstatus Closed 191-char remark

    Show marketing remark (251 chars)

    —!!— Owner Financing Available—!!— Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

20. 2024-02-07
    soldstatus Closed 251-char remark

    Show marketing remark (251 chars)

    —!!— Owner Financing Available—!!— Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

21. 2024-02-06
    status Pending 251-char remark

    Show marketing remark (251 chars)

    —!!— Owner Financing Available—!!— Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

22. 2023-12-29
    price $59,900 251-char remark

    Show marketing remark (251 chars)

    —!!— Owner Financing Available—!!— Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

23. 2023-12-28
    price $59,900 191-char remark

    Show marketing remark (191 chars)

    Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

24. 2023-12-16
    status Active 191-char remark

    Show marketing remark (191 chars)

    Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

25. 2023-11-21
    price $62,500 191-char remark

    Show marketing remark (191 chars)

    Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

26. 2023-11-12
    price $62,500 251-char remark

    Show marketing remark (251 chars)

    —!!— Owner Financing Available—!!— Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

27. 2023-10-11
    listed $65,000 Active 191-char remark

    Show marketing remark (251 chars)

    —!!— Owner Financing Available—!!— Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

28. 2023-10-11
    listed $65,000 Active 251-char remark

    Show marketing remark (251 chars)

    —!!— Owner Financing Available—!!— Adorable two bedroom, one bathroom updated home. With spacious kitchen, living area and large back yard. Located in a great neighborhood. Call today for your private tour. Owner will finance.

29. 2018-09-17
    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: $2,406 · $200/mo
• Projected year-2 tax: $2,406 · $200/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 0% chance over 30 yrs
• 🔥 Wildfire 10/10 Extreme
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,376
• − Mortgage interest: −$4,966
• − Property taxes: −$2,406
• − Insurance: −$443
• − Repairs & maintenance: −$990
• − Management: −$990
• − Depreciation: −$2,579
• Taxable income: $1
• Est. tax owed @ 24.0%: −$0
• After-tax cash flow: $1,348/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: Borger ISD
• NCES district ID: 4810890
• Math proficiency: 43% ▼ -4.00%
• Reading proficiency: 41% ▼ -1.00%
• Median HH income: $44,714
• Composite: 35.66/100
• National rank: #4879
• State rank: #348 of 826 in TX

Livability — Borger

• Score: 72/100
• State rank: #268
• US rank: #6266

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Borger, TX
• Population (ZIP): 13,927

Population outlook (Hutchinson County) Hauer SSP2

• Today (2025): 21,274 people
• By 2030: 21,089 · -0.9%
• By 2040: 20,938 · -1.6%
• By 2050: 20,999 · -1.3%
• By 2075: 21,433 · +0.7%
• By 2100: 21,243 · -0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (61%)
• Race & ethnicity: White 61% Hispanic / Latino 32% Two or more races 19% Black 3% Native American 2%
• Hispanic origin (detail): Mexican 29%
• Common ancestry: Slovak 2% Italian 1% Iranian 1%
• Foreign-born: 7% · Canada
• Languages at home: 79% English-only · Spanish 20%

Political lean MEDSL · Hutchinson

• 2024 margin: Solid R (+77.2) · D 11.1% · R 88.2%
• 2008→2024 swing: -8.2pp toward R · 2008: -68.9pp · 2024: -77.2pp
• All cycles: 2024: R+77.2 2020: R+76.6 2016: R+76.1 2012: R+72.7 2008: R+68.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -76.35%
• Current HPI: 114.1111
• Rent YoY: —
• Metro: —
• 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

+36.4% since first listed

14 events — show timeline

• 2026-05-22 Listed $88,660 AARMLS
• 2024-10-09 Sold (Public Records) — Public Records
• 2024-02-08 Sold (Public Records) — Public Records
• 2024-02-07 Sold (MLS) — AARMLS
• 2024-02-07 Sold (MLS) — PBOR
• 2024-02-06 Pending — AARMLS
• 2023-12-29 Price Changed $59,900 AARMLS
• 2023-12-28 Price Changed $59,900 PBOR
• 2023-12-16 Relisted — PBOR
• 2023-11-21 Price Changed $62,500 PBOR
• 2023-11-12 Price Changed $62,500 AARMLS
• 2023-10-11 Listed $65,000 AARMLS
• 2023-10-11 Listed $65,000 PBOR
• 2018-09-17 Sold (Public Records) — Public Records

Property tax history

+8.8%/yr

Latest (2025): $2,406 · +45.8% YoY. Source: county tax records.