1007 N 17th St · Temple, TX 76501

$89,000

2 bd · 1.0 ba · 1,139 sqft · SingleFamily public records · 323 Days on market

Built 1957 5,501 sqft lot $78/sqft · 43% below area Est $157k · 43% under ↓ 31% since listing

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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 +27.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.7/10.0
• 1% rule +9.4/10.0
• Livability +3.8/5.0
• Rent growth +3.4/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor Special! Fix & Flip Opportunity in Temple! This 2-bed, 1-bath home is a great opportunity for investors looking to flip or renovate. With a covered patio and fully fenced backyard, this property has potential for outdoor living and added value. Strategically located near several parks, schools, restaurants, and shops, with easy access to IH-35, this home is ripe for renovation and resale. Being sold as-is, it's up to the Buyer's Agent to verify all measurements and information. Bring your vision and creativity, and make this home shine!

Key facts

• Easy access to ih-35
• Covered patio
• Outdoor living

Tags

• COVERED PATIO
• FULLY FENCED BACKYARD
• OUTDOOR LIVING
• EASY ACCESS TO IH-35

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 $268 ($3k/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: $78k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.9% vs local median 3.6% in Temple — 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 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.4%/yr); 335 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 41% of comp listings sitting > 30 days — soft ceiling on asking rent; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $615 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.4% rent growth), your $25k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 323 days — a 12% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y 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 3.3% of price; built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 77% chance of damaging wind over 30y; extreme-heat days projected 6→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $78,320 (12.0% below list)

Questions for the listing agent

1. It's been on market 323 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 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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: 1.44% ✓
• Cap rate: 9.90%
• Cash-on-cash: 12.90%
• DSCR: 1.57
• GRM: 5.8

CMA / ARV

• ARV (median comp): $157,129
• List price: $89,000
• Delta: -43.36%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1003 N 15th St	0.06mi	2/1.0	1,204 (+6%)	1mo	$149,000	$124	87
802 W Garfield Ave	0.23mi	3/1.0 (+1)	1,136 (-0%)	2mo	$75,000	$66	82
909 Alamo Ct	0.54mi	2/1.0	1,096 (-4%)	2mo	$159,900	$146	67
510 Mayborn Dr	0.74mi	2/2.0	1,171 (+3%)	9mo	$180,000	$154	50
1906 Monticello Rd	0.58mi	2/1.0	1,008 (-12%)	6mo	$115,000	$114	48
109 N 11th St	0.65mi	2/1.0	1,232 (+8%)	13mo	$69,000	$56	46
1309 N 2nd St	0.64mi	3/1.5 (+1)	1,266 (+11%)	1mo	$184,000	$145	44
410 Mayborn Dr	0.74mi	3/2.0 (+1)	1,208 (+6%)	3mo	$115,000	$95	44
2105 Monticello Rd	0.68mi	2/2.0	1,295 (+14%)	14mo	$160,000	$124	29
308 N 2nd St	0.75mi	3/2.0 (+1)	1,296 (+14%)	21mo	$245,000	$189	16

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 · 3.44% rent growth · sell at horizon

5-year hold

• IRR: 3.4%
• Equity multiple: 1.13×
• Total profit: $3,309
• Equity at exit: $13,270

10-year hold

• IRR: 13.5%
• Equity multiple: 2.11×
• Total profit: $27,617
• Equity at exit: $7,695

Cash invested: $24,920 (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 76501

• Rents YoY: 3.4%
• Active inventory: 335
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,284 high
• Mortgage (P&I): −$467
• Tax from tax record: −$242 /mo · $2,908/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$270
• Net cashflow: $268

Break-even live

Break-even rent $945

Max offer price $89,000

Occupancy floor 74%

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: $22,250
• Closing costs: $2,670
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
804 N 9th St Temple, TX	1.0	1.0	850	$1,025	$1.21	23d	1	0.26mi
717 N 3rd St Temple, TX	3.0	2.0	1281	$1,695	$1.32	21d	1	0.47mi
904 N Main St Temple, TX	3.0	1.5	1228	$1,300	$1.06	23d	1	0.52mi
205 N 21st St Temple, TX	3.0	1.0	950	$998	$1.05	44d	1	0.55mi
214 E Munroe Ave Temple, TX	3.0	2.0	1084	$1,200	$1.11	44d	1	0.73mi
720 Frank Weise Blvd Unit A Temple, TX	3.0	2.0	1400	$1,600	$1.14	14d	1	0.83mi
619 N 8th St Unit a Temple, TX	3.0	2.0	872	$999	$1.15	14d	1	0.84mi
1303 N 10th St Temple, TX	3.0	1.5	1119	$1,200	$1.07	44d	1	0.89mi
4 N 4th St Temple, TX	1.0	1.0	752	$1,400	$1.86	44d	1	0.95mi
2212 Bellmont Temple, TX	3.0	2.0	1182	$1,495	$1.26	21d	1	0.95mi
2618 Goliad St Temple, TX	3.0	1.5	1228	$1,450	$1.18	14d	1	1.04mi
2618 Goliad St Temple, TX	3.0	1.5	1228	$1,450	$1.18	21d	1	1.04mi
2401 Paul Revere St Temple, TX	3.0	2.0	1200	$1,295	$1.08	44d	1	1.05mi
2405A Patrick Henry St Temple, TX	2.0	2.0	1071	$1,101	$1.03	23d	1	1.06mi
2414 Bunker Hill Dr Unit B Temple, TX	2.0	1.5	1054	$1,195	$1.13	44d	1	1.08mi
2406 Saulsbury Dr Temple, TX	1.0–2.0	1.0–2.0	935	$950	$1.02	14d	2	1.10mi
105 E Xavier Ave Temple, TX	3.0	2.0	1318	$1,395	$1.06	14d	1	1.12mi
420 S 27th St Temple, TX	2.0	2.0	1200	$1,395	$1.16	14d	1	1.13mi
1404 West Ave E Unit A Temple, TX	1.0	1.0	800	$895	$1.12	14d	1	1.13mi
1404 West Ave E Unit B Temple, TX	1.0	1.0	800	$995	$1.24	14d	1	1.13mi
15 S 10th St Temple, TX	3.0	1.0	916	$950	$1.04	44d	1	1.15mi
503 E Union Temple, TX	3.0	2.0	1131	$1,395	$1.23	44d	1	1.17mi
715 N 20th St Apt 7 Temple, TX	2.0	1.0	750	$750	$1.00	44d	1	1.22mi
1214 Jamestown Dr Temple, TX	3.0	2.0	1318	$1,575	$1.19	44d	1	1.22mi
607 E Union Temple, TX	3.0	2.0	1099	$1,325	$1.21	14d	1	1.22mi
701 East Avenue A Unit A Temple, TX	3.0	2.0	1090	$1,349	$1.24	14d	1	1.28mi
412 E Young Ave Unit B Temple, TX	3.0	2.0	1193	$1,150	$0.96	44d	1	1.32mi
806 S 23rd St Temple, TX	3.0	2.0	1000	$1,445	$1.45	14d	1	1.34mi
709 Bunker Hill Dr Unit A Temple, TX	3.0	2.0	1090	$1,095	$1.00	14d	1	1.35mi
507 E Zenith Ave Unit A Temple, TX	3.0	2.0	1100	$1,050	$0.95	14d	1	1.38mi
902 S 23rd St Temple, TX	3.0	1.0	1040	$1,200	$1.15	23d	1	1.40mi
1802 West Avenue H Unit A Temple, TX	1.0	1.0	730	$700	$0.96	44d	1	1.42mi
1802 West Avenue H Unit D Temple, TX	2.0	1.0	700	$850	$1.21	44d	1	1.42mi
2930 Saulsbury Dr Unit B Temple, TX	3.0	2.0	1308	$1,350	$1.03	44d	1	1.44mi
209 S 18th St Unit A Temple, TX	3.0	2.0	1250	$1,550	$1.24	23d	1	1.50mi
209 S 18th St Unit A Temple, TX	3.0	2.0	1250	$1,550	$1.24	14d	1	1.50mi
209 S 18th St Temple, TX	3.0	2.5	1250	$1,400	$1.12	44d	1	1.50mi

Listing history 29 events

1. 2026-06-18
   days on market $89,000 Active 323 DOM
2. 2026-06-17
   days on market $89,000 Active 322 DOM
3. 2026-06-16
   days on market $89,000 Active 321 DOM
4. 2026-06-15
   days on market $89,000 Active 320 DOM
5. 2026-06-14
   days on market $89,000 Active 318 DOM
6. 2026-06-10
   days on market $89,000 Active 315 DOM
7. 2026-06-09
   days on market $89,000 Active 314 DOM
8. 2026-06-08
   days on market $89,000 Active 313 DOM
9. 2026-06-07
   days on market $89,000 Active 312 DOM
10. 2026-06-03
    days on market $89,000 Active 308 DOM
11. 2026-06-02
    days on market $89,000 Active 307 DOM
12. 2026-06-01
    days on market $89,000 Active 306 DOM
13. 2026-05-31
    days on market $89,000 Active 305 DOM
14. 2026-05-30
    days on market $89,000 Active 304 DOM
15. 2026-02-27
    price $89,000 557-char remark

    Show marketing remark (555 chars)

    Investor Special! Fix & Flip Opportunity in Temple! This 2-bed, 1-bath home is a great opportunity for investors looking to flip or renovate. With a covered patio and fully fenced backyard, this property has potential for outdoor living and added value. Strategically located near several parks, schools, restaurants, and shops, with easy access to IH-35, this home is ripe for renovation and resale. Being sold as-is, it's up to the Buyer's Agent to verify all measurements and information. Bring your vision and creativity, and make this home shine!

16. 2026-02-27
    listed $89,000 Active 555-char remark

    Show marketing remark (555 chars)

    Investor Special! Fix & Flip Opportunity in Temple! This 2-bed, 1-bath home is a great opportunity for investors looking to flip or renovate. With a covered patio and fully fenced backyard, this property has potential for outdoor living and added value. Strategically located near several parks, schools, restaurants, and shops, with easy access to IH-35, this home is ripe for renovation and resale. Being sold as-is, it's up to the Buyer's Agent to verify all measurements and information. Bring your vision and creativity, and make this home shine!

17. 2025-09-25
    price $99,900 557-char remark

    Show marketing remark (557 chars)

    Investor Special! Fix & Flip Opportunity in Temple! This 2-bed, 1-bath home is a great opportunity for investors looking to flip or renovate. With a covered patio and fully fenced backyard, this property has potential for outdoor living and added value. Strategically located near several parks, schools, restaurants, and shops, with easy access to IH-35, this home is ripe for renovation and resale. Being sold as-is, it's up to the Buyer's Agent to verify all measurements and information. Bring your vision and creativity, and make this home shine!

18. 2025-07-30
    listed $104,999 Active 557-char remark

    Show marketing remark (557 chars)

    Investor Special! Fix & Flip Opportunity in Temple! This 2-bed, 1-bath home is a great opportunity for investors looking to flip or renovate. With a covered patio and fully fenced backyard, this property has potential for outdoor living and added value. Strategically located near several parks, schools, restaurants, and shops, with easy access to IH-35, this home is ripe for renovation and resale. Being sold as-is, it's up to the Buyer's Agent to verify all measurements and information. Bring your vision and creativity, and make this home shine!

19. 2024-07-31
    historical
20. 2024-07-09
    price $110,000
21. 2024-07-09
    price
22. 2024-05-30
    price
23. 2024-05-30
    price $119,999
24. 2024-04-26
    listed Active
25. 2024-04-26
    listed $129,000 Active
26. 2021-05-27
    soldstatus
27. 2021-05-05
    soldstatus
28. 1999-09-03
    soldstatus
29. 1994-04-06
    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: $2,908 · $242/mo
• Projected year-2 tax: $2,908 · $242/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 3/10 Moderate
• 🌡 Heat 7/10 Severe 6 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 77% 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: $15,403
• − Mortgage interest: −$4,985
• − Property taxes: −$2,908
• − Insurance: −$445
• − Repairs & maintenance: −$1,232
• − Management: −$1,232
• − Depreciation: −$2,589
• Taxable income: $2,011
• Est. tax owed @ 24.0%: −$483
• After-tax cash flow: $2,732/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: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 17,752
• Household income: $62,532
• Rent vs Own: 36.1% rent · 63.9% own
• Severe rent burden: 466.0

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: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 42% Hispanic / Latino 36% Two or more races 18% Black 17% Native American 2%
• Hispanic origin (detail): Mexican 31% Puerto Rican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 79% English-only · Spanish 20%

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: ▼ -113.09%
• Current HPI: 177.0555
• Rent YoY: ▲ 3.44%
• 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

-31.0% since first listed

15 events — show timeline

• 2026-02-27 Price Changed $89,000 Unlock MLS
• 2026-02-27 Listed $89,000 NTREIS
• 2025-09-25 Price Changed $99,900 Unlock MLS
• 2025-07-30 Listed $104,999 Unlock MLS
• 2024-07-31 Listing Removed — CTXMLS
• 2024-07-09 Price Changed $110,000 CTXMLS
• 2024-07-09 Price Changed — Unlock MLS
• 2024-05-30 Price Changed — Unlock MLS
• 2024-05-30 Price Changed $119,999 CTXMLS
• 2024-04-26 Listed $129,000 CTXMLS
• 2024-04-26 Listed — Unlock MLS
• 2021-05-27 Sold (Public Records) — Public Records
• 2021-05-05 Sold (Public Records) — Public Records
• 1999-09-03 Sold (Public Records) — Public Records
• 1994-04-06 Sold (Public Records) — Public Records

Property tax history

+6.0%/yr

Latest (2025): $2,908 · +1.4% YoY. Source: county tax records.