9713 Yuma St · Houston, TX 77029

$205,000

3 bd · 2.0 ba · 1,010 sqft · SingleFamily public records · 45 Days on market

Built 1996 5,000 sqft lot $203/sqft · at area comps Est $202k · at est.

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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).

• Appreciation +10.0/10.0
• Cash flow +9.9/30.0
• ARV discount +6.7/15.0
• Livability +3.7/5.0
• DSCR +2.8/10.0
• Schools +2.8/10.0
• 1% rule +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Charming Remodeled Bungalow Home on the growing East Side of Houston. Features new laminate flooring throughout for easy maintenance, quartz countertops, updated plumbing & electrical, neutral paint colors, updated bathrooms & new appliances. Indoor utility with electric & gas connections. New Cement Board Siding. New windows. New Roof. New HVAC system. Enjoy relaxing mornings or evenings on covered front porch. Long driveway with oversized attached carport. Zoned to desirable Galena Park ISD. Come see today!!

Key facts

• Quartz countertops
• Updated electrical
• Updated bathrooms

Tags

• REMODELED BUNGALOW
• NEW LAMINATE FLOORING
• QUARTZ COUNTERTOPS
• UPDATED PLUMBING
• UPDATED ELECTRICAL
• UPDATED BATHROOMS

Property features AI

Exterior

• Parking: Attached carport; 2-space carport
• Security: Security gate
• Utilities: Public water; Public sewer
• Home design: Residential property; Faces east; Built in 1996; Living area 1,010
• Construction: Cement siding; Composition roof; Block foundation
• Exterior features: Security gate; Asphalt road access; Located in a subdivision

Interior

• Kitchen: Dishwasher; Gas oven; Gas range; Oven
• Flooring: Laminate flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (gas); Central electric air conditioning
• Interior features: Tub with shower; Ceiling fans; Ventilation for improved indoor air quality; 6 total rooms
• Laundry & utility: Washer hookup; Electric dryer hookup; Gas dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $205k.

Deal economics

• At list price, monthly cash flow is $-193 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $171k (16.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $154k (24.8% below list).
• Recommended offer: $154k (24.8% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 3.2% in Houston — 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 74/100 on livability (#184 in TX, #4,771 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: crime F.
• Galena Park ISD (suburban): math 32% / reading 33% proficiency, ranked #578 of 826 in TX (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Pyburn El (math 38% / reading 35%, grade F, #1,883 of 4,322 statewide, top 44%, 461 students, 90% FRL); Woodland Acres Middle (math 35% / reading 34%, grade F, #858 of 1,662 statewide, top 54%, 603 students, 85% FRL); Galena Park H S (math 37% / reading 36%, grade F, #924 of 1,632 statewide, top 57%, 1,914 students, 87% FRL).
• Market conditions: 154 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 53% of comp listings sitting > 30 days — soft ceiling on asking rent; 29,883 units permitted in Harris County in 2024 (8,621 in 5+ unit buildings).
• This rent runs 38% of the median local income ($48k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $22k of equity ($1k loan paydown + $20k appreciation (10.0% local appreciation)).
• Harris County population projected at +47% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($199k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $154,250 (24.8% 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 45 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 F 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. 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: 0.75% ✗
• Cap rate: 5.55%
• Cash-on-cash: -2.65%
• DSCR: 0.88
• GRM: 11.1

CMA / ARV

• ARV (median comp): $201,620
• List price: $205,000
• Delta: 1.68%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2224 11th St	0.67mi	3/2.0	1,120 (+11%)	2mo	$179,900	$161	49
234 N Carolina St	0.49mi	4/2.0 (+1)	1,104 (+9%)	17mo	$129,900	$118	43
1106 Sage Dr	0.49mi	3/1.0	1,142 (+13%)	11mo	$140,000	$123	42
1101 Bank Dr	0.46mi	2/1.0 (-1)	1,104 (+9%)	19mo	$130,000	$118	38
1402 Sage Dr	0.39mi	3/1.0	1,157 (+15%)	20mo	$76,000	$66	37
1407 Craig Dr	0.61mi	2/1.0 (-1)	872 (-14%)	10mo	$161,500	$185	31
153 De Haven St	0.60mi	2/1.0 (-1)	880 (-13%)	23mo	$150,000	$170	23

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.4%
• Equity multiple: 2.73×
• Total profit: $99,358
• Equity at exit: $184,680

10-year hold

• IRR: 19.3%
• Equity multiple: 6.27×
• Total profit: $302,314
• Equity at exit: $398,270

Cash invested: $57,400 (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 77029

• Home prices YoY: 7.2%
• Active inventory: 154
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $1,542 high
• Mortgage (P&I): −$1,075
• Tax from tax record: −$185 /mo · $2,219/yr
• Insurance: −$85
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$324
• Net cashflow: $-193

Break-even live

Break-even rent $1,787

Max offer price $170,854

Occupancy floor —

Sensitivity live

Price	-10% $-77	-5% $-135	+0% $-193	+5% $-251	+10% $-309
Rent	-10% $-315	-5% $-254	+0% $-193	+5% $-132	+10% $-71
Rate	-1.0pp $-90	-0.5pp $-141	base $-193	+0.5pp $-246	+1.0pp $-300

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: $51,250
• Closing costs: $6,150
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9743 Veyblum St Unit B Houston, TX	3.0	2.0	872	$1,145	$1.31	7d	1	0.21mi
9821 Turnbow St Unit C Houston, TX	3.0	2.0	1140	$1,720	$1.51	45d	1	0.27mi
9713 Stedman St Unit b Houston, TX	3.0	2.0	872	$1,095	$1.26	45d	1	0.36mi
9710 Tuffly St Houston, TX	3.0	2.0	1275	$1,795	$1.41	26d	1	0.56mi
335 Delaware St Houston, TX	2.0	1.0	784	$940	$1.20	14d	1	0.60mi
205 Bolden St Unit A Houston, TX	3.0	2.0	1200	$2,500	$2.08	45d	1	0.63mi
403 Armstrong St Houston, TX	3.0	2.0	909	$1,399	$1.54	1d	1	0.69mi
423 Armstrong St Houston, TX	3.0	2.0	1090	$1,499	$1.38	1d	1	0.69mi
9709 Cargill St Houston, TX	3.0	2.0	1184	$2,300	$1.94	45d	1	0.78mi
9806 Fillmore St Houston, TX	2.0	2.0	850	$1,850	$2.18	45d	1	0.80mi
311 Massachusetts St Unit A Houston, TX	3.0	2.0	1184	$1,700	$1.44	14d	1	0.88mi
9907 Lanewell St Unit a Houston, TX	3.0	2.0	872	$1,154	$1.32	24d	1	0.89mi
2216 3rd St Galena Park, TX	3.0	2.0	1500	$1,400	$0.93	45d	1	1.02mi
8726 Josie St Houston, TX	3.0	1.0	950	$1,000	$1.05	45d	1	1.31mi
8534 Fillmore St Houston, TX	3.0	1.0	965	$1,600	$1.66	45d	1	1.31mi
8710 Josie St Houston, TX	3.0	1.0	1000	$1,090	$1.09	1d	1	1.33mi
8735 Cowart St Houston, TX	3.0	1.0	1136	$1,000	$0.88	45d	1	1.45mi

Listing history 19 events

1. 2026-06-21
   days on market $205,000 Active 45 DOM
2. 2026-06-18
   days on market $205,000 Active 42 DOM
3. 2026-06-17
   days on market $205,000 Active 41 DOM
4. 2026-06-16
   days on market $205,000 Active 40 DOM
5. 2026-06-15
   pricedays on market $205,000 Active 39 DOM
6. 2026-06-13
   days on market $205,500 Active 37 DOM
7. 2026-06-13
   days on market $205,500 Active 36 DOM
8. 2026-06-09
   days on market $205,500 Active 33 DOM
9. 2026-06-08
   days on market $205,500 Active 32 DOM
10. 2026-06-07
    days on market $205,500 Active 31 DOM
11. 2026-06-04
    days on market $205,500 Active 28 DOM
12. 2026-06-03
    days on market $205,500 Active 27 DOM
13. 2026-06-02
    days on market $205,500 Active 26 DOM
14. 2026-06-01
    days on market $205,500 Active 25 DOM
15. 2026-05-31
    days on market $205,500 Active 24 DOM
16. 2026-05-07
    listed $206,000 Active 528-char remark
17. 2026-02-17
    soldstatus
18. 1996-08-29
    soldstatus
19. 1996-07-31
    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: $2,219 · $185/mo
• Projected year-2 tax: $3,752 · $313/mo
• Expected delta: +$1,532/yr (+$128/mo · 69.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 9/10 Extreme 6 d/yr ≥109°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,510
• − Mortgage interest: −$11,483
• − Property taxes: −$2,219
• − Insurance: −$1,822
• − Repairs & maintenance: −$1,481
• − Management: −$1,481
• − Depreciation: −$5,964
• Taxable loss: −$5,940
• Est. tax savings @ 24.0%: +$1,426
• After-tax cash flow: $-894/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: Galena Park ISD
• NCES district ID: 4820250
• Math proficiency: 32% ▼ -20.00%
• Reading proficiency: 33% ▼ -7.00%
• Median HH income: $43,158
• Composite: 27.62/100
• National rank: #6927
• State rank: #578 of 826 in TX

Livability — Houston

• Score: 74/100
• State rank: #184
• US rank: #4771

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Houston, TX
• County: Harris County · 4,702,590 people
• City population: 3,226,434
• Metro: Houston-The Woodlands-Sugar Land, TX
• Population (ZIP): 16,154
• Household income: $48,279
• Rent vs Own: 34.4% rent · 65.6% own
• Severe rent burden: 457.0

Population outlook (Harris County) Hauer SSP2

• Today (2025): 5,571,493 people
• By 2030: 6,089,821 · +9.3%
• By 2040: 7,142,806 · +28.2%
• By 2050: 8,185,864 · +46.9%
• By 2075: 10,574,329 · +89.8%
• By 2100: 12,109,958 · +117.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (72%)
• Race & ethnicity: Hispanic / Latino 72% Two or more races 32% Black 22% White 5%
• Hispanic origin (detail): Mexican 66%
• Foreign-born: 31% · Canada
• Languages at home: 39% English-only · Spanish 61%

Political lean MEDSL · Harris

• 2024 margin: Lean D (+5.5) · D 52.0% · R 46.4% · Other 1.6%
• 2008→2024 swing: +3.9pp toward D · 2008: 1.6pp · 2024: 5.5pp
• All cycles: 2024: D+5.5 2020: D+13.3 2016: D+12.4 2012: D+0.1 2008: D+1.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 18.53%
• Current HPI: 276.1811
• Rent YoY: —
• Metro: Houston-The Woodlands-Sugar Land, 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

-0.5% since first listed

6 events — show timeline

• 2026-06-13 Price Changed $205,000 HARMLS
• 2026-05-28 Price Changed $205,500 HARMLS
• 2026-05-07 Listed $206,000 HARMLS
• 2026-02-17 Sold (Public Records) — Public Records
• 1996-08-29 Sold (Public Records) — Public Records
• 1996-07-31 Sold (Public Records) — Public Records

Property tax history

+2.8%/yr

Latest (2025): $2,219 · +14.4% YoY. Source: county tax records.