210 Carter St · Killeen, TX 76541

$87,500

3 bd · 1.0 ba · 1,132 sqft · SingleFamily public records · 138 Days on market

Built 1948 6,865 sqft lot $77/sqft · 27% below area Est $121k · 27% under

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Why this score? — see what drove the B- 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 +22.6/30.0
• ARV discount +15.0/15.0
• DSCR +7.2/10.0
• 1% rule +6.7/10.0
• Appreciation +6.1/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• Condition / age +2.5/5.0
• Rent growth +2.0/5.0

Listing remarks MLS

Great SFR - Was rented month to month for $1050! Good condition, recently painted inside. 1/2 bath in Master, full bath on hall, large fenced backyard! New roof installed Sept 2025! Priced appropriately!

Key facts

• New roof installed
• 6,865 sq ft lot
• Built 1948

Tags

• LARGE FENCED BACKYARD
• NEW ROOF INSTALLED

🏷️ Possibly a rental listed for sale. The $87,500 price doesn't fit this home's estimated sale value (~$120,658) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $88k.

Deal economics

• At list price, monthly cash flow is $149 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $88k).
• Recommended offer: $77k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.3% vs local median 3.9% in Killeen — 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 63/100 on livability (#853 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities D, employment D, crime D-.
• Killeen ISD (urban): math 31% / reading 38% proficiency, ranked #524 of 826 in TX (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Killeen H S (math 29% / reading 40%, grade F, #963 of 1,632 statewide, top 61%, 2,076 students, 69% FRL) — zoned schools average 69% FRL vs 47% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-2.0%/yr); 126 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($605 loan paydown + $2k appreciation (2.3% local appreciation)).
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (2.3% appreciation + 0.0% rent growth), your $24k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 138 days — a 12% lower offer ($77k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 13y 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.
• Current owner paid $45k; list at $88k implies a 94% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 58% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $77,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 138 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1948 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.17% ✓
• Cap rate: 8.33%
• Cash-on-cash: 7.29%
• DSCR: 1.32
• GRM: 7.1

CMA / ARV

• ARV (median comp): $120,658
• List price: $87,500
• Delta: -27.48%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
807 Cloud St	0.47mi	3/1.0	1,160 (+2%)	3mo	$90,000	$78	71
608 Dimple St	0.48mi	2/1.0 (-1)	996 (-12%)	14mo	$102,000	$102	41

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

Projected returns pro-forma

2.26% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 10.4%
• Equity multiple: 1.56×
• Total profit: $13,693
• Equity at exit: $35,756

10-year hold

• IRR: 11.5%
• Equity multiple: 2.48×
• Total profit: $36,347
• Equity at exit: $52,463

Cash invested: $24,500 (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 76541

• Home prices YoY: 1.4%
• Rents YoY: -2.0%
• Active inventory: 126
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,024 high
• Mortgage (P&I): −$459
• Tax from tax record: −$165 /mo · $1,974/yr
• Insurance: −$36
• HOA: −$0
• Vacancy / Maint / Mgmt: −$215
• Net cashflow: $149

Break-even live

Break-even rent $835

Max offer price $87,500

Occupancy floor 80%

Sensitivity live

Price	-10% $198	-5% $174	+0% $149	+5% $124	+10% $99
Rent	-10% $68	-5% $108	+0% $149	+5% $189	+10% $230
Rate	-1.0pp $193	-0.5pp $171	base $149	+0.5pp $126	+1.0pp $103

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: $21,875
• Closing costs: $2,625
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
207 Cloud St Killeen, TX	2.0	1.0	894	$797	$0.89	46d	1	0.01mi
303 Cloud St Killeen, TX	2.0	1.0	768	$895	$1.17	25d	1	0.09mi
717 Norris Ave Killeen, TX	3.0	1.0	1118	$1,000	$0.89	46d	1	0.25mi
309 Root Ave Unit 1 Killeen, TX	2.0	1.0	700	$850	$1.21	16d	1	0.42mi
514 McArthur Dr Killeen, TX	3.0	1.0	1084	$995	$0.92	46d	1	0.43mi
512 Raymond St Unit B Killeen, TX	3.0	2.5	1336	$1,300	$0.97	25d	1	0.44mi
512 Raymond St Killeen, TX	3.0	2.5	1336	$1,300	$0.97	46d	1	0.44mi
605 Stringer St Unit A Killeen, TX	3.0	2.5	1334	$1,500	$1.12	46d	1	0.47mi
614 Stringer St Killeen, TX	1.0–2.0	1.0	607	$699	$1.15	16d	8	0.50mi
505 W Church Ave Killeen, TX	3.0	1.0	1160	$1,100	$0.95	16d	1	0.51mi
603 Wolf St Killeen, TX	3.0	1.0	786	$952	$1.21	46d	1	0.57mi
905 N Gilmer St Killeen, TX	1.0–3.0	1.0–2.0	925	$1,395	$1.51	16d	5	0.58mi
209 West Avenue A Unit A Killeen, TX	3.0	2.0	876	$935	$1.07	16d	1	0.61mi
806 Houston St Killeen, TX	2.0	1.0	748	$900	$1.20	46d	1	0.67mi
906 Sissom Rd Apt 1 Killeen, TX	2.0	1.0	998	$875	$0.88	25d	1	0.74mi
909 Houston St Killeen, TX	3.0	2.0	1200	$1,195	$1.00	46d	1	0.76mi
901 Sissom Rd Unit 3 Killeen, TX	2.0	1.0	1000	$875	$0.88	16d	1	0.76mi
1111 N College St Unit B Killeen, TX	3.0	2.0	1235	$995	$0.81	16d	1	0.76mi
409 Short Ave Killeen, TX	4.0	2.0	1220	$1,300	$1.07	46d	1	0.77mi
907 San Antonio St Killeen, TX	3.0	1.5	1303	$1,195	$0.92	46d	1	0.79mi
1203 N College St Unit 1203-207 Killeen, TX	2.0	2.0	980	$725	$0.74	46d	1	0.80mi
1003 San Antonio St Killeen, TX	4.0	1.0	1452	$1,095	$0.75	46d	1	0.81mi
910 San Antonio St Killeen, TX	3.0	1.0	1208	$995	$0.82	46d	1	0.82mi
912 Southside Dr Killeen, TX	3.0	1.0	841	$995	$1.18	46d	1	0.85mi
608 W Dean Ave Killeen, TX	2.0	1.0	775	$1,000	$1.29	25d	1	0.85mi
919 Southside Dr Killeen, TX	3.0	1.0	925	$1,300	$1.41	46d	1	0.87mi
903 W Kern Rd Killeen, TX	2.0	1.0	768	$700	$0.91	46d	1	0.87mi
805 W Dean Ave Killeen, TX	2.0	1.0	808	$675	$0.84	46d	1	0.91mi
1006 N 4th St Unit 8 Killeen, TX	2.0	1.0	750	$700	$0.93	46d	1	0.91mi
201 E Bryce Dr Killeen, TX	1.0–2.0	1.0	620	$1,010	$1.63	46d	9	0.93mi
1717 Walton Walker Dr Unit 1717 Killeen, TX	3.0	1.5	1300	$895	$0.69	46d	1	0.94mi
414 East Avenue A Unit 106 Killeen, TX	2.0	1.0	800	$705	$0.88	16d	1	0.95mi
1112 Williamson Dr Killeen, TX	2.0	1.0	815	$875	$1.07	46d	1	0.96mi
1106 Williamson Dr Unit A Killeen, TX	3.0	1.0	900	$875	$0.97	46d	1	0.96mi
1313 Elia St Killeen, TX	3.0	1.5	1104	$1,050	$0.95	46d	1	0.97mi
1403 N 2nd St Killeen, TX	1.0–2.0	1.0	673	$745	$1.11	16d	5	0.97mi
1117 N 8th St Killeen, TX	1.0–2.0	1.0	675	$800	$1.19	46d	5	1.02mi
110 E Texas Ave Killeen, TX	2.0	1.0	832	$825	$0.99	23d	1	1.02mi
118 E Fowler Ave Killeen, TX	3.0	1.0	902	$875	$0.97	46d	1	1.11mi
1015 N 10th St Unit B Killeen, TX	3.0	2.0	1118	$1,100	$0.98	46d	1	1.12mi

Listing history 36 events

1. 2026-06-22
   days on market $87,500 Active 138 DOM
2. 2026-06-18
   days on market $87,500 Active 135 DOM
3. 2026-06-17
   days on market $87,500 Active 134 DOM
4. 2026-06-16
   days on market $87,500 Active 133 DOM
5. 2026-06-15
   days on market $87,500 Active 132 DOM
6. 2026-06-14
   days on market $87,500 Active 130 DOM
7. 2026-06-13
   days on market $87,500 Active 129 DOM
8. 2026-06-10
   days on market $87,500 Active 127 DOM
9. 2026-06-09
   days on market $87,500 Active 126 DOM
10. 2026-06-08
    days on market $87,500 Active 125 DOM
11. 2026-06-07
    days on market $87,500 Active 124 DOM
12. 2026-06-03
    days on market $87,500 Active 120 DOM
13. 2026-06-02
    days on market $87,500 Active 119 DOM
14. 2026-06-01
    days on market $87,500 Active 118 DOM
15. 2026-05-31
    days on market $87,500 Active 117 DOM
16. 2026-05-30
    days on market $87,500 Active 116 DOM
17. 2026-04-16
    price $87,500 203-char remark

    Show marketing remark (203 chars)

    Great SFR - Was rented month to month for $1050! Good condition, recently painted inside. 1/2 bath in Master, full bath on hall, large fenced backyard! New roof installed Sept 2025! Priced appropriately!

18. 2026-02-03
    listed $89,900 Active 203-char remark

    Show marketing remark (203 chars)

    Great SFR - Was rented month to month for $1050! Good condition, recently painted inside. 1/2 bath in Master, full bath on hall, large fenced backyard! New roof installed Sept 2025! Priced appropriately!

19. 2025-12-22
    historical
20. 2025-09-19
    price $95,000
21. 2025-07-10
    price $97,500
22. 2025-06-03
    price $100,000
23. 2024-12-29
    price $102,500
24. 2024-11-18
    listed $105,000 Active
25. 2022-06-09
    soldstatus
26. 2022-04-07
    status Pending
27. 2022-04-05
    status Active
28. 2022-03-28
    status Pending
29. 2022-03-23
    listed $80,000 Active
30. 2017-05-23
    soldstatus
31. 2017-05-21
    soldstatus $45,000
32. 2017-01-25
    listed $54,500
33. 2013-04-25
    soldstatus
34. 2013-04-24
    soldstatus $29,950
35. 2013-03-18
    listed $31,696
36. 1985-02-26
    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: $1,974 · $165/mo
• Projected year-2 tax: $1,974 · $165/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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 24 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 58% 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: $12,283
• − Mortgage interest: −$4,901
• − Property taxes: −$1,974
• − Insurance: −$438
• − Repairs & maintenance: −$983
• − Management: −$983
• − Depreciation: −$2,545
• Taxable income: $459
• Est. tax owed @ 24.0%: −$110
• After-tax cash flow: $1,675/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: Killeen ISD
• NCES district ID: 4825660
• Math proficiency: 31% ▼ -16.00%
• Reading proficiency: 38% ▼ -3.00%
• Median HH income: $47,665
• Composite: 29.69/100
• National rank: #6458
• State rank: #524 of 826 in TX

Livability — Killeen

• Score: 63/100
• State rank: #853
• US rank: #15359

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Killeen, TX
• County: Bell County · 345,090 people
• City population: 163,398
• Metro: Killeen-Temple, TX
• Population (ZIP): 19,011
• Household income: $37,349
• Rent vs Own: 76.4% rent · 23.6% own
• Severe rent burden: 1668.0

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: Highly diverse neighborhood (Simpson 0.73)
• Race & ethnicity: Hispanic / Latino 32% White 31% Black 27% Two or more races 10% Asian 3% Pacific Islander 1%
• Hispanic origin (detail): Mexican 21% Puerto Rican 6% Dominican 1%
• Common ancestry: Italian 2% Slovak 1% Lithuanian 1%
• Foreign-born: 14% · Canada, Vietnam, South Korea
• Languages at home: 69% English-only · Spanish 25% German/W. Germanic 2% Korean 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: ▲ 2.26%
• Current HPI: 168.1206
• Rent YoY: ▼ -2.00%
• 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

+176.1% since first listed

20 events — show timeline

• 2026-04-16 Price Changed $87,500 CTXMLS
• 2026-02-03 Listed $89,900 CTXMLS
• 2025-12-22 Listing Removed — CTXMLS
• 2025-09-19 Price Changed $95,000 CTXMLS
• 2025-07-10 Price Changed $97,500 CTXMLS
• 2025-06-03 Price Changed $100,000 CTXMLS
• 2024-12-29 Price Changed $102,500 CTXMLS
• 2024-11-18 Listed $105,000 CTXMLS
• 2022-06-09 Sold (Public Records) — Public Records
• 2022-04-07 Pending — CTXMLS
• 2022-04-05 Relisted — CTXMLS
• 2022-03-28 Pending — CTXMLS
• 2022-03-23 Listed $80,000 CTXMLS
• 2017-05-23 Sold (Public Records) — Public Records
• 2017-05-21 Sold (MLS) $45,000 CTXMLS
• 2017-01-25 Listed $54,500 CTXMLS
• 2013-04-25 Sold (Public Records) — Public Records
• 2013-04-24 Sold (MLS) $29,950 CTXMLS
• 2013-03-18 Listed $31,696 CTXMLS
• 1985-02-26 Sold (Public Records) — Public Records

Property tax history

+10.1%/yr

Latest (2025): $1,974 · +16.0% YoY. Source: county tax records.