Frio Plan · Temple, TX 76502

$243,900

3 bd · 2.0 ba · 1,358 sqft · SingleFamily · 139 Days on market

Good condition

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +6.6/30.0
• Condition / age +4.0/5.0
• Livability +3.8/5.0
• Schools +3.4/10.0
• Rent growth +2.3/5.0
• 1% rule +1.7/10.0
• DSCR +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Frio Floor Plan - 3-Bedroom, 2-Bathroom Single-Story Home with Open Layout and Open-Air PatioThe Frio floor plan offers a thoughtfully designed single-story layout, featuring three bedrooms and two full bathrooms across 1,358 square feet. This home emphasizes open-concept living, making it ideal for families seeking both comfort and functionality. The expansive family room flows into the kitchen and dining areas, creating an inviting space for gatherings and everyday life. The kitchen includes a large island and an oversized pantry, adding extra convenience and storage for busy households. The primary suite serves as a private retreat with a well-appointed bathroom and a generous walk-in closet. Two additional bedrooms provide flexible space for family members, guests, or a home office. An open-air patio extends the living area outdoors, perfect for relaxing evenings or weekend get togethers. The Frio floor plan blends practicality with elegant design, making it a great option for those looking for a comfortable and versatile home.

Key facts

• Open layout
• Large island
• Walk in closet

Tags

• OPEN LAYOUT
• OPEN AIR PATIO
• LARGE ISLAND
• OVERSIZED PANTRY
• WALK IN CLOSET

🏗️ New construction. The $243,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $262,695.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $244k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-430 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $201k (17.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $175k (28.1% below list).
• Recommended offer: $175k (28.1% below list) — sets the bar for 1% rule.

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 soft (-0.8%/yr); 1312 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals lingering (median 73d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 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 $2k of loan paydown is wiped out by about $8k 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.

Negotiation context

• It's been on market 139 days — a 12% lower offer ($215k) is reasonable based on typical stale-listing flexibility.

Recommended offer $175,425 (28.1% 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 139 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
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. 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. 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?
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: 0.67% ✗
• Cap rate: 4.33%
• Cash-on-cash: -7.01%
• DSCR: 0.69
• GRM: 12.5

CMA / ARV

• ARV (median comp): $262,695
• List price: $243,900
• Delta: -7.15%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1423 Flatland Trl	0.57mi	3/2.0	1,316 (-3%)	0mo	$265,000	$201	68
1619 Flatland Trl	0.49mi	3/2.0	1,400 (+3%)	5mo	$180,100	$129	68
3816 Oglala Trl	0.60mi	3/2.0	1,316 (-3%)	3mo	$272,000	$207	64
2042 Yarrelton Dr	0.11mi	4/2.0 (+1)	1,536 (+13%)	9mo	$265,000	$173	61
1514 Black Kettle Trl	0.74mi	3/2.0	1,318 (-3%)	2mo	$204,700	$155	59
3804 Oglala Trl	0.62mi	3/2.0	1,473 (+8%)	3mo	$279,000	$189	54
1518 Flatland Trl	0.55mi	3/2.0	1,505 (+11%)	3mo	$284,000	$189	54
3714 Oglala	0.64mi	3/3.0	1,473 (+8%)	9mo	$279,200	$190	44
3608 Oglala Trl	0.68mi	3/2.0	1,547 (+14%)	11mo	$265,000	$171	35

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: -31.8%
• Equity multiple: -0.02×
• Total profit: $-75,042
• Equity at exit: $39,169

10-year hold

• IRR: -57.3%
• Equity multiple: -0.64×
• Total profit: $-120,336
• Equity at exit: $22,713

Cash invested: $73,555 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 45 active · 10 under contract
• Months of supply: 24.5 mo (4%/mo absorbed)
• Median asking: $255,700 ($164/sqft)
• Median days on market: 139 d
• This list price: 27% of active listings are priced below it
• ARV vs active asking: +17.8% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 76502

• Rents YoY: -0.8%
• Active inventory: 1312
• Price-to-rent: 11.6×

Monthly cashflow live

• Estimated rent: $1,754 high
• Mortgage (P&I): −$1,378
• Tax est. 1.5%: −$328 /mo · $3,940/yr
• Insurance: −$109
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $-430

Break-even live

Break-even rent $2,298

Max offer price $200,536

Occupancy floor —

Sensitivity live

Price	-10% $-248	-5% $-339	+0% $-430	+5% $-520	+10% $-611
Rent	-10% $-568	-5% $-499	+0% $-430	+5% $-360	+10% $-291
Rate	-1.0pp $-297	-0.5pp $-363	base $-430	+0.5pp $-498	+1.0pp $-567

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: $65,674
• Closing costs: $7,881
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4926 Bellfalls Ct Temple, TX	3.0	2.0	1320	$3,900	$2.95	93d	1	0.36mi
3703 McCleland Creek Trl Temple, TX	4.0	2.0	1621	$4,950	$3.05	93d	1	0.53mi
3703 McCleland Creek Trl Temple, TX	4.0	2.0	1621	$4,950	$3.05	72d	1	0.53mi
1619 Sideoats Ln Temple, TX	2.0	2.0	1480	$1,750	$1.18	63d	1	0.54mi
1607 Sideoats Ln Temple, TX	3.0	2.0	1533	$1,899	$1.24	93d	1	0.56mi
1503 Sideoats Ln Temple, TX	4.0	3.0	1830	$1,795	$0.98	72d	1	0.61mi
1614 Curlew Ln Temple, TX	3.0	2.0	1528	$1,795	$1.17	63d	1	0.66mi
1423 Curlew Ln Temple, TX	4.0	2.0	1603	$1,875	$1.17	93d	1	0.70mi
1526 Black Kettle Trl Temple, TX	3.0	2.0	1413	$1,750	$1.24	93d	1	0.73mi
1907 Delano Dr Temple, TX	3.0	2.0	1265	$1,700	$1.34	70d	1	0.77mi
1909 Euclid Dr Temple, TX	3.0	2.0	1616	$1,600	$0.99	72d	1	0.82mi
2072 Dade Loop Unit DADE2072 Temple, TX	3.0	2.0	1257	$1,535	$1.22	63d	1	0.84mi
2152 Meridian Loop Temple, TX	3.0	2.0	1359	$1,700	$1.25	63d	1	0.93mi
1622 Lummus Dr Temple, TX	3.0	2.5	1518	$1,600	$1.05	93d	1	0.94mi
1551 Case Rd Temple, TX	3.0	2.0	1315	$1,600	$1.22	93d	1	0.97mi
1515 Case Rd Temple, TX	3.0	2.0	1315	$1,600	$1.22	72d	1	1.03mi
108 McFaddan Ln Temple, TX	4.0	2.0	1799	$1,795	$1.00	93d	1	1.20mi
1418 Eaton Dr Temple, TX	3.0–4.0	2.0	1529	$1,675	$1.10	63d	13	1.23mi
2509 Elk Creek St Temple, TX	4.0	2.0	1740	$1,825	$1.05	72d	1	1.23mi
216 Pullman Place Blvd Temple, TX	3.0	2.0	1206	$1,600	$1.33	93d	1	1.27mi
105 Pullman Place Blvd Temple, TX	3.0	2.0	1458	$1,675	$1.15	63d	1	1.35mi
208A Andy Ln Temple, TX	3.0	2.0	1300	$1,395	$1.07	93d	1	1.42mi
212A Andy Ln Temple, TX	3.0	2.0	1300	$1,395	$1.07	93d	1	1.44mi
2420 Alterman Dr Unit A Temple, TX	3.0	2.0	1335	$1,325	$0.99	72d	1	1.48mi

Listing history 50 events

1. 2026-08-08
   days on market $243,900 Active 139 DOM
2. 2026-08-07
   days on market $243,900 Active 138 DOM
3. 2026-08-06
   days on market $243,900 Active 137 DOM
4. 2026-08-05
   days on market $243,900 Active 136 DOM
5. 2026-08-04
   days on market $243,900 Active 135 DOM
6. 2026-08-03
   days on market $243,900 Active 134 DOM
7. 2026-07-31
   days on market $243,900 Active 131 DOM
8. 2026-07-30
   days on market $243,900 Active 130 DOM
9. 2026-07-29
   days on market $243,900 Active 129 DOM
10. 2026-07-27
    days on market $243,900 Active 127 DOM
11. 2026-07-25
    days on market $243,900 Active 125 DOM
12. 2026-07-24
    days on market $243,900 Active 124 DOM
13. 2026-07-23
    days on market $243,900 Active 123 DOM
14. 2026-07-22
    days on market $243,900 Active 122 DOM
15. 2026-07-21
    days on market $243,900 Active 121 DOM
16. 2026-07-18
    days on market $243,900 Active 118 DOM
17. 2026-07-16
    days on market $243,900 Active 116 DOM
18. 2026-07-16
    days on market $243,900 Active 115 DOM
19. 2026-07-14
    days on market $243,900 Active 114 DOM
20. 2026-07-13
    days on market $243,900 Active 113 DOM
21. 2026-07-12
    days on market $243,900 Active 112 DOM
22. 2026-07-11
    days on market $243,900 Active 111 DOM
23. 2026-07-10
    days on market $243,900 Active 110 DOM
24. 2026-07-09
    days on market $243,900 Active 109 DOM
25. 2026-07-08
    days on market $243,900 Active 108 DOM
26. 2026-07-07
    days on market $243,900 Active 107 DOM
27. 2026-07-06
    days on market $243,900 Active 106 DOM
28. 2026-07-05
    days on market $243,900 Active 105 DOM
29. 2026-07-04
    days on market $243,900 Active 104 DOM
30. 2026-07-03
    days on market $243,900 Active 103 DOM
31. 2026-07-02
    days on market $243,900 Active 102 DOM
32. 2026-07-01
    days on market $243,900 Active 101 DOM
33. 2026-06-30
    days on market $243,900 Active 100 DOM
34. 2026-06-29
    days on market $243,900 Active 99 DOM
35. 2026-06-28
    days on market $243,900 Active 98 DOM
36. 2026-06-28
    days on market $243,900 Active 97 DOM
37. 2026-06-27
    days on market $243,900 Active 96 DOM
38. 2026-06-25
    days on market $243,900 Active 94 DOM
39. 2026-06-23
    days on market $243,900 Active 92 DOM
40. 2026-06-22
    days on market $243,900 Active 91 DOM
41. 2026-06-18
    days on market $243,900 Active 88 DOM
42. 2026-06-17
    days on market $243,900 Active 87 DOM
43. 2026-06-16
    days on market $243,900 Active 86 DOM
44. 2026-06-15
    days on market $243,900 Active 85 DOM
45. 2026-06-14
    days on market $243,900 Active 83 DOM
46. 2026-06-10
    days on market $243,900 Active 80 DOM
47. 2026-06-09
    days on market $243,900 Active 79 DOM
48. 2026-06-08
    days on market $243,900 Active 78 DOM
49. 2026-06-07
    days on market $243,900 Active 77 DOM
50. 2026-06-03
    days on market $243,900 Active 73 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $21,051
• − Mortgage interest: −$14,715
• − Property taxes: −$3,940
• − Insurance: −$1,313
• − Repairs & maintenance: −$1,684
• − Management: −$1,684
• − Depreciation: −$7,642
• Taxable loss: −$9,928
• Est. tax savings @ 24.0%: +$2,383
• After-tax cash flow: $-2,772/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.

Condition & rehab AI · 12 photos

Good 80/100 None rehab

This Frio floor plan home is in excellent condition with a good condition score of 80. It is move-in ready with no visible repairs needed and offers a good return on investment with minor updates that can further increase its value.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can boost curb appeal and attract more potential buyers/tenants. ↑
• Both Adding smart home features — Smart home features can increase the home's value and appeal to tech-savvy buyers/tenants. ↑
• Both Upgrading the kitchen appliances — Modern appliances can make the kitchen more functional and appealing to potential buyers/tenants. ↑

F Composite school gradezoned avg 34/100

Zoned Schools

Middle Travis Science Academy F TX #892/1,662 Nat'l #7,813/14,009

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

B Composite livability gradescore 75/100

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 · 371,114 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 52,669
• Household income: $82,088
• Rent vs Own: 35.9% rent · 64.1% own
• Severe rent burden: 9% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 58% Hispanic / Latino 26% Two or more races 15% Black 9% Asian 3%
• Hispanic origin (detail): Mexican 21% Puerto Rican 2%
• Common ancestry: Italian 2% Slovak 2% Serbian 1%
• Foreign-born: 7% · Canada, South Korea, China
• Languages at home: 86% English-only · Spanish 10% Other Indo-European 1% Korean 1%

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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: ▼ -216.80%
• Current HPI: 166.927
• Rent YoY: ▼ -0.79%
• Metro: Killeen-Temple, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

+1.7% since first listed

2 events — show timeline

• 2026-05-05 Price Changed $243,900 Zillow
• 2026-03-22 Listed $239,900 Zillow