504 S Judd St · White Settlement, TX 76108

$194,000

3 bd · 2.0 ba · 1,408 sqft · SingleFamily public records · 81 Days on market

Built 1959 6,186 sqft lot $138/sqft · 13% below area Est $222k · 13% under ↓ 21% 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).

• ARV discount +13.1/15.0
• Cash flow +10.7/30.0
• 1% rule +4.1/10.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• DSCR +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Brick home within walking distance of baseball fields, park, and duck pond! Large covered front porch plus back porch too. Fresh paint and new wood look flooring throughout. Jet tub and shower combination in full bath plus double sinks. Linen closet with lots of space. Updated kitchen with new dishwasher and stackable washer and dryer connections. 1 car garage plus 2 car carport. Fenced backyard with mature crepe myrtle trees and Iris's too! Easy access to I-20 or I-30. This home is qualified for the First time Home buyer grant money program offering up to $17,500 in grant funds. Contact me today for more details.

Key facts

• Double sinks
• Linen closet
• Back porch

Tags

• LARGE COVERED FRONT PORCH
• BACK PORCH
• JET TUB AND SHOWER COMBINATION
• DOUBLE SINKS
• LINEN CLOSET
• UPDATED KITCHEN

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $194k.

Deal economics

• At list price, monthly cash flow is $-93 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $177k (8.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (9.2% below list).
• Recommended offer: $176k (9.2% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 4.6% in White Settlement — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 74/100 on livability (#188 in TX, #4,855 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities D+, employment D+, commute F.
• White Settlement ISD (rural): math 35% / reading 44% proficiency, ranked #396 of 826 in TX (top 48%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: North El (math 44% / reading 45%, grade F, #1,155 of 4,322 statewide, top 29%, 766 students, 57% FRL); Brewer Middle (math 33% / reading 48%, grade F, #637 of 1,662 statewide, top 39%, 1,047 students, 63% FRL); Brewer H S (math 25% / reading 45%, grade F, #954 of 1,632 statewide, top 59%, 2,183 students, 56% FRL).
• Market conditions: Rents soft (-0.2%/yr); 553 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 18,938 units permitted in Tarrant County in 2024 (8,336 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Tarrant County population projected at +41% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 81 days — a 6% lower offer ($182k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $45k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $176,062 (9.2% 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 81 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
3. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.91% ✗
• Cap rate: 5.71%
• Cash-on-cash: -2.06%
• DSCR: 0.91
• GRM: 9.2

CMA / ARV

• ARV (median comp): $221,821
• List price: $194,000
• Delta: -12.54%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
521 Grant Cir	0.09mi	3/1.0	1,446 (+3%)	2mo	$135,000	$93	86
501 Allencrest Dr	0.21mi	3/2.0	1,350 (-4%)	3mo	$209,900	$155	81
8512 Whitney Dr	0.29mi	3/2.0	1,349 (-4%)	2mo	$282,000	$209	78
508 Grant Cir	0.06mi	3/2.0	1,245 (-12%)	1mo	$219,500	$176	77
401 S Judd St	0.11mi	2/1.5 (-1)	1,498 (+6%)	4mo	$195,000	$130	73
220 N Judd St	0.55mi	3/2.0	1,419 (+1%)	0mo	$300,000	$211	72
9225 N Dodson Dr	0.27mi	4/2.0 (+1)	1,483 (+5%)	2mo	$199,000	$134	72
8320 Redonda St	0.58mi	3/2.0	1,430 (+2%)	2mo	$255,000	$178	69
8521 Whitney Dr	0.27mi	3/2.0	1,267 (-10%)	2mo	$230,000	$182	69
201 N Normandale St	0.51mi	3/2.0	1,316 (-6%)	3mo	$175,000	$133	63
9200 Farmer Rd	0.38mi	3/2.0	1,270 (-10%)	5mo	$235,000	$185	62
205 Saddle Rd	0.69mi	2/1.5 (-1)	1,364 (-3%)	2mo	$229,933	$169	54

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -23.5%
• Equity multiple: 0.22×
• Total profit: $-42,432
• Equity at exit: $28,926

10-year hold

• IRR: -31.1%
• Equity multiple: -0.18×
• Total profit: $-64,085
• Equity at exit: $16,774

Cash invested: $54,320 (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 76108

• Home prices YoY: -32.5%
• Rents YoY: -0.2%
• Active inventory: 553
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,761 high
• Mortgage (P&I): −$1,017
• Tax from tax record: −$386 /mo · $4,634/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$370
• Net cashflow: $-93

Break-even live

Break-even rent $1,879

Max offer price $177,495

Occupancy floor —

Sensitivity live

Price	-10% $16	-5% $-39	+0% $-93	+5% $-148	+10% $-203
Rent	-10% $-233	-5% $-163	+0% $-93	+5% $-24	+10% $46
Rate	-1.0pp $4	-0.5pp $-44	base $-93	+0.5pp $-144	+1.0pp $-195

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: $48,500
• Closing costs: $5,820
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
617 S Las Vegas Trl White Settlement, TX	3.0	2.0	1307	$1,585	$1.21	24d	1	0.13mi
619 Allencrest Dr Fort Worth, TX	3.0	2.0	1322	$1,800	$1.36	26d	1	0.17mi
405 S Las Vegas Trl Fort Worth, TX	3.0	2.0	1160	$1,595	$1.38	20d	1	0.21mi
238 S Las Vegas Trl White Settlement, TX	2.0	1.5	1200	$1,372	$1.14	4d	4	0.30mi
140 S Las Vegas Trl White Settlement, TX	2.0	1.5	1200	$1,299	$1.08	26d	1	0.32mi
129 Allencrest Dr Fort Worth, TX	3.0	2.0	1424	$1,595	$1.12	9d	1	0.36mi
112 Allencrest Dr White Settlement, TX	2.0	1.5	1024	$1,350	$1.32	45d	1	0.37mi
123 Allencrest Dr Fort Worth, TX	3.0	2.0	1424	$1,545	$1.08	4d	1	0.38mi
108 Allencrest Dr White Settlement, TX	2.0	1.5	1025	$1,325	$1.29	26d	1	0.38mi
101 S Las Vegas Trl Fort Worth, TX	2.0	1.5	1016	$1,250	$1.23	45d	1	0.39mi
704 Dale Ln Apt 512 White Settlement, TX	2.0	2.0	1040	$1,370	$1.32	45d	1	0.40mi
704 Dale Ln Unit 2121 White Settlement, TX	2.0	2.0	1112	$1,359	$1.22	1d	1	0.40mi
9208 Marilyn Dr Fort Worth, TX	3.0	2.0	1735	$2,100	$1.21	5d	1	0.40mi
9224 Marilyn Dr Fort Worth, TX	3.0	2.0	1264	$1,750	$1.38	1d	1	0.43mi
9304 Marilyn Ct Fort Worth, TX	3.0	2.0	1486	$2,100	$1.41	45d	1	0.47mi
9117 Nathan Dr Fort Worth, TX	3.0	2.0	1818	$1,950	$1.07	45d	1	0.51mi
101 West Pl Fort Worth, TX	2.0	1.0	900	$1,395	$1.55	45d	1	0.53mi
9110 Lanham St White Settlement, TX	2.0	1.5	1026	$1,375	$1.34	26d	1	0.54mi
9110 Lanham St White Settlement, TX	2.0	1.5	1026	$1,375	$1.34	1d	1	0.54mi
212 Lanham Ct Fort Worth, TX	2.0	1.0	1057	$1,350	$1.28	45d	1	0.55mi
213 Donald St Fort Worth, TX	2.0	1.0	1025	$1,450	$1.41	45d	1	0.62mi
1208 Mirike Dr Fort Worth, TX	3.0	2.0	1750	$1,975	$1.13	22d	1	0.62mi
500 W Loop 820 S Fort Worth, TX	1.0–3.0	1.0–2.0	1082	$2,039	$1.88	45d	11	0.66mi
225 West Pl Fort Worth, TX	3.0	2.0	1550	$2,400	$1.55	45d	1	0.67mi
8428 Raymond Ave Fort Worth, TX	3.0	2.0	1118	$1,795	$1.61	1d	1	0.72mi
321 Meadow Park Dr White Settlement, TX	3.0	2.0	1400	$1,875	$1.34	45d	1	0.74mi
8112 Gibbs Dr Fort Worth, TX	3.0	2.0	1412	$1,850	$1.31	45d	1	0.74mi
640 Kimbrough St Fort Worth, TX	4.0	2.0	1394	$1,995	$1.43	20d	1	0.76mi
9641 Olivia Dr Fort Worth, TX	3.0	2.0	1670	$2,025	$1.21	13d	1	0.77mi
8136 Richard St Fort Worth, TX	4.0	2.0	1512	$1,745	$1.15	9d	1	0.79mi
1200 Scenic Vista Dr Fort Worth, TX	1.0–2.0	1.0–2.0	1174	$1,575	$1.34	24d	4	0.80mi
1823 S Las Vegas Trl Fort Worth, TX	2.0	2.0	900	$1,360	$1.51	45d	1	0.85mi
8438 Jay St Fort Worth, TX	3.0	2.5	1394	$1,695	$1.22	9d	1	0.85mi
923 Kimbrough St Fort Worth, TX	3.0	2.0	1362	$1,845	$1.35	45d	1	0.86mi
9525 Palladium Way Unit 3121 Fort Worth, TX	3.0	2.0	1154	$1,502	$1.30	1d	1	0.88mi
9525 Palladium Way Unit 9582 Fort Worth, TX	2.0	2.0	960	$1,273	$1.33	45d	1	0.88mi
9525 Palladium Way Unit 9558 Fort Worth, TX	3.0	2.0	1154	$1,451	$1.26	1d	1	0.88mi
9525 Palladium Way Unit 2121 Fort Worth, TX	2.0	2.0	960	$781	$0.81	1d	1	0.88mi
8822 Spaugh Ct Fort Worth, TX	3.0	3.0	1756	$2,120	$1.21	1d	1	0.91mi
629 Chalk Knoll Rd Fort Worth, TX	3.0	2.0	1758	$2,050	$1.17	26d	1	0.93mi

Listing history 24 events

1. 2026-06-21
   days on market $194,000 Active 81 DOM
2. 2026-06-18
   price $194,000 Active 78 DOM
3. 2026-06-18
   days on market $199,500 Active 78 DOM
4. 2026-06-17
   days on market $199,500 Active 77 DOM
5. 2026-06-16
   days on market $199,500 Active 76 DOM
6. 2026-06-15
   days on market $199,500 Active 75 DOM
7. 2026-06-13
   days on market $199,500 Active 73 DOM
8. 2026-06-09
   days on market $199,500 Active 69 DOM
9. 2026-06-08
   days on market $199,500 Active 68 DOM
10. 2026-06-07
    days on market $199,500 Active 67 DOM
11. 2026-06-04
    days on market $199,500 Active 64 DOM
12. 2026-06-03
    days on market $199,500 Active 63 DOM
13. 2026-06-02
    days on market $199,500 Active 62 DOM
14. 2026-06-02
    price $199,500 Active 61 DOM
15. 2026-06-01
    days on market $204,500 Active 61 DOM
16. 2026-05-31
    days on market $204,500 Active 60 DOM
17. 2026-05-14
    price $210,000 622-char remark

    Show marketing remark (622 chars)

    Brick home within walking distance of baseball fields, park, and duck pond! Large covered front porch plus back porch too. Fresh paint and new wood look flooring throughout. Jet tub and shower combination in full bath plus double sinks. Linen closet with lots of space. Updated kitchen with new dishwasher and stackable washer and dryer connections. 1 car garage plus 2 car carport. Fenced backyard with mature crepe myrtle trees and Iris's too! Easy access to I-20 or I-30. This home is qualified for the First time Home buyer grant money program offering up to $17,500 in grant funds. Contact me today for more details.

18. 2026-04-15
    price $225,000 622-char remark

    Show marketing remark (622 chars)

    Brick home within walking distance of baseball fields, park, and duck pond! Large covered front porch plus back porch too. Fresh paint and new wood look flooring throughout. Jet tub and shower combination in full bath plus double sinks. Linen closet with lots of space. Updated kitchen with new dishwasher and stackable washer and dryer connections. 1 car garage plus 2 car carport. Fenced backyard with mature crepe myrtle trees and Iris's too! Easy access to I-20 or I-30. This home is qualified for the First time Home buyer grant money program offering up to $17,500 in grant funds. Contact me today for more details.

19. 2026-04-01
    listed $239,000 Active 622-char remark

    Show marketing remark (622 chars)

    Brick home within walking distance of baseball fields, park, and duck pond! Large covered front porch plus back porch too. Fresh paint and new wood look flooring throughout. Jet tub and shower combination in full bath plus double sinks. Linen closet with lots of space. Updated kitchen with new dishwasher and stackable washer and dryer connections. 1 car garage plus 2 car carport. Fenced backyard with mature crepe myrtle trees and Iris's too! Easy access to I-20 or I-30. This home is qualified for the First time Home buyer grant money program offering up to $17,500 in grant funds. Contact me today for more details.

20. 2026-03-30
    historical
21. 2026-02-22
    price $244,900
22. 2026-01-06
    price $255,900
23. 2025-11-21
    listed $266,000 Active
24. 2025-04-21
    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: $4,634 · $386/mo
• Projected year-2 tax: $4,634 · $386/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 ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 21% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,127
• − Mortgage interest: −$10,867
• − Property taxes: −$4,634
• − Insurance: −$970
• − Repairs & maintenance: −$1,690
• − Management: −$1,690
• − Depreciation: −$5,644
• Taxable loss: −$4,367
• Est. tax savings @ 24.0%: +$1,048
• After-tax cash flow: $-73/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: White Settlement ISD
• NCES district ID: 4845540
• Math proficiency: 35% ▼ -10.00%
• Reading proficiency: 44% ▼ -4.00%
• Median HH income: $56,055
• Composite: 34.63/100
• National rank: #5151
• State rank: #396 of 826 in TX

Livability — White Settlement

• Score: 74/100
• State rank: #188
• US rank: #4855

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: White Settlement, TX
• County: Tarrant County · 2,033,669 people
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 45,537
• Household income: $80,412
• Rent vs Own: 29.4% rent · 70.6% own
• Severe rent burden: 774.0

Population outlook (Tarrant County) Hauer SSP2

• Today (2025): 2,380,417 people
• By 2030: 2,578,900 · +8.3%
• By 2040: 2,974,995 · +25.0%
• By 2050: 3,350,489 · +40.8%
• By 2075: 4,216,909 · +77.2%
• By 2100: 4,741,527 · +99.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 52% Hispanic / Latino 32% Two or more races 17% Black 8% Asian 3% Native American 1%
• Hispanic origin (detail): Mexican 26% Puerto Rican 1%
• Common ancestry: Slovak 2% Lithuanian 1% Romanian 1%
• Foreign-born: 11% · Canada, Vietnam
• Languages at home: 76% English-only · Spanish 21% Vietnamese 1% Tagalog/Filipino 1%

Political lean MEDSL · Tarrant

• 2024 margin: Lean R (+5.1) · D 46.7% · R 51.9% · Other 1.4%
• 2008→2024 swing: +6.6pp toward D · 2008: -11.7pp · 2024: -5.1pp
• All cycles: 2024: R+5.1 2020: D+0.2 2016: R+8.7 2012: R+15.7 2008: R+11.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -141.39%
• Current HPI: 294.2459
• Rent YoY: ▼ -0.18%
• Metro: Dallas-Fort Worth-Arlington, 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

-21.1% since first listed

8 events — show timeline

• 2026-05-14 Price Changed $210,000 NTREIS
• 2026-04-15 Price Changed $225,000 NTREIS
• 2026-04-01 Listed $239,000 NTREIS
• 2026-03-30 Listing Removed — NTREIS
• 2026-02-22 Price Changed $244,900 NTREIS
• 2026-01-06 Price Changed $255,900 NTREIS
• 2025-11-21 Listed $266,000 NTREIS
• 2025-04-21 Sold (Public Records) — Public Records

Property tax history

+5.6%/yr

Latest (2025): $4,634 · +30.7% YoY. Source: county tax records.