25495 Golden Rod Ln · Harlingen, TX 78552

$167,900

2 bd · 2.0 ba · 1,080 sqft · SingleFamily public records · 81 Days on market

Built 1993 7,200 sqft lot $155/sqft · 149% above area

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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).

• Cash flow +14.3/30.0
• ARV discount +7.5/15.0
• DSCR +4.4/10.0
• Livability +3.7/5.0
• 1% rule +3.0/10.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Rent growth +2.0/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Manufactured home in the Sun Valley Mobile home Park, a tranquil 55+ Community. Perfect for a year round resident or Winter Texans escaping from cold & snowy winters. Open floor plan with laminate wood floors throughout the living are & new carpet in guest bedroom. Living, kitchen, & laundry room was fully remodeled. Kitchen has new modern finishes with new butcher block counter tops, bead board back splash and freshly painted cabinets, including new lighting. Spacious master bedroom and ensuite bathroom with shower. Homes is equipped with central air and heat as well as 3 mini splits that are added for comfort. Relax and unwind on the fully covered Texas room that leads to the backyard which is fully fenced with a 5 ft fence. Home has electric range, microwave, two fridges, dishwasher, dryer and washer less than a year old. Home is handicap accessible. Amenities at Sun Valley Village Community are pool, hot tub, billiard exercise room, club house with social calendar & shuffleboard.

Key facts

• New tile flooring
• New wooded fence
• New kitchen cabinets

Tags

• NEW KITCHEN CABINETS
• NEW COUNTERTOPS
• NEW TILE FLOORING
• NEW WOODED FENCE
• NEW DECK
• NEW APPLIANCES

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $168k.

Deal economics

• At list price, monthly cash flow is $31 ($375/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $134k (20.1% below list).
• Recommended offer: $134k (20.1% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 3.8% in Harlingen — 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 73/100 on livability (#217 in TX) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: crime C-, schools D+, commute F.
• Harlingen CISD (urban): math 25% / reading 35% proficiency, ranked #647 of 826 in TX (top 78%) — 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.
• Market conditions: Rents soft (-1.9%/yr); 534 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,326 units permitted in Cameron County in 2024 (503 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 $5k of value loss. Plan a longer hold.
• Cameron County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 81 days — a 6% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 5y 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

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,176 (20.1% below list)

Questions for the listing agent

1. It's been on market 81 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.80% ✗
• Cap rate: 6.52%
• Cash-on-cash: 0.80%
• DSCR: 1.04
• GRM: 10.4

CMA / ARV

• ARV (median comp): $93,810
• List price: $167,900
• Delta: 78.98%
• Verdict: OVERPRICED
• Comps: 4 within 2.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15898 Washington Palm Dr	0.48mi	3/2.0 (+1)	980 (-9%)	1mo	$135,000	$138	56
17963 Redwood St	0.61mi	3/2.0 (+1)	1,198 (+11%)	5mo	$219,271	$183	44

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: -18.1%
• Equity multiple: 0.38×
• Total profit: $-29,208
• Equity at exit: $25,034

10-year hold

• IRR: -16.7%
• Equity multiple: 0.19×
• Total profit: $-38,311
• Equity at exit: $14,517

Cash invested: $47,012 (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 78552

• Home prices YoY: -13.8%
• Rents YoY: -1.9%
• Active inventory: 534
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,342 medium
• Mortgage (P&I): −$880
• Tax from tax record: −$78 /mo · $939/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$282
• Net cashflow: $31

Break-even live

Break-even rent $1,302

Max offer price $167,900

Occupancy floor 93%

Sensitivity live

Price	-10% $126	-5% $79	+0% $31	+5% $-16	+10% $-64
Rent	-10% $-75	-5% $-22	+0% $31	+5% $84	+10% $137
Rate	-1.0pp $116	-0.5pp $74	base $31	+0.5pp $-12	+1.0pp $-56

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: $41,975
• Closing costs: $5,037
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
101 S Taos Blvd Unit A Harlingen, TX	2.0	1.5	908	$1,275	$1.40	45d	1	0.73mi
175 Heather Dr Harlingen, TX	2.0	2.0	1200	$1,795	$1.50	14d	1	0.98mi
6020 Masters Blvd Unit 2 Harlingen, TX	2.0	2.0	1000	$1,075	$1.07	44d	1	1.05mi

Listing history 29 events

1. 2026-06-18
   days on market $167,900 Active 81 DOM
2. 2026-06-17
   days on market $167,900 Active 80 DOM
3. 2026-06-16
   days on market $167,900 Active 79 DOM
4. 2026-06-15
   days on market $167,900 Active 78 DOM
5. 2026-06-14
   days on market $167,900 Active 76 DOM
6. 2026-06-10
   days on market $167,900 Active 73 DOM
7. 2026-06-09
   days on market $167,900 Active 72 DOM
8. 2026-06-08
   days on market $167,900 Active 71 DOM
9. 2026-06-07
   days on market $167,900 Active 70 DOM
10. 2026-06-03
    days on market $167,900 Active 66 DOM
11. 2026-06-02
    days on market $167,900 Active 65 DOM
12. 2026-06-01
    days on market $167,900 Active 64 DOM
13. 2026-05-31
    days on market $167,900 Active 63 DOM
14. 2026-05-30
    days on market $167,900 Active 62 DOM
15. 2026-05-18
    price $167,900 1022-char remark

    Show marketing remark (1022 chars)

    Manufactured home in the Sun Valley Mobile home Park, a tranquil 55+ Community. Perfect for a year round resident or Winter Texans escaping from cold & snowy winters. Open floor plan with laminate wood floors throughout the living are & new carpet in guest bedroom. Living, kitchen, & laundry room was fully remodeled. Kitchen has new modern finishes with new butcher block counter tops, bead board back splash and freshly painted cabinets, including new lighting. Spacious master bedroom and ensuite bathroom with shower. Homes is equipped with central air and heat as well as 3 mini splits that are added for comfort. Relax and unwind on the fully covered Texas room that leads to the backyard which is fully fenced with a 5 ft fence. Home has electric range, microwave, two fridges, dishwasher, dryer and washer less than a year old. Home is handicap accessible. Amenities at Sun Valley Village Community are pool, hot tub, billiard exercise room, club house with social calendar & shuffleboard.

16. 2026-05-01
    price $172,500 1022-char remark

    Show marketing remark (1022 chars)

    Manufactured home in the Sun Valley Mobile home Park, a tranquil 55+ Community. Perfect for a year round resident or Winter Texans escaping from cold & snowy winters. Open floor plan with laminate wood floors throughout the living are & new carpet in guest bedroom. Living, kitchen, & laundry room was fully remodeled. Kitchen has new modern finishes with new butcher block counter tops, bead board back splash and freshly painted cabinets, including new lighting. Spacious master bedroom and ensuite bathroom with shower. Homes is equipped with central air and heat as well as 3 mini splits that are added for comfort. Relax and unwind on the fully covered Texas room that leads to the backyard which is fully fenced with a 5 ft fence. Home has electric range, microwave, two fridges, dishwasher, dryer and washer less than a year old. Home is handicap accessible. Amenities at Sun Valley Village Community are pool, hot tub, billiard exercise room, club house with social calendar & shuffleboard.

17. 2026-03-29
    listed $175,000 Active 1022-char remark

    Show marketing remark (1022 chars)

    Manufactured home in the Sun Valley Mobile home Park, a tranquil 55+ Community. Perfect for a year round resident or Winter Texans escaping from cold & snowy winters. Open floor plan with laminate wood floors throughout the living are & new carpet in guest bedroom. Living, kitchen, & laundry room was fully remodeled. Kitchen has new modern finishes with new butcher block counter tops, bead board back splash and freshly painted cabinets, including new lighting. Spacious master bedroom and ensuite bathroom with shower. Homes is equipped with central air and heat as well as 3 mini splits that are added for comfort. Relax and unwind on the fully covered Texas room that leads to the backyard which is fully fenced with a 5 ft fence. Home has electric range, microwave, two fridges, dishwasher, dryer and washer less than a year old. Home is handicap accessible. Amenities at Sun Valley Village Community are pool, hot tub, billiard exercise room, club house with social calendar & shuffleboard.

18. 2025-01-06
    soldstatus
19. 2025-01-03
    soldstatus Sold 986-char remark

    Show marketing remark (986 chars)

    Welcome home! Nestled in a serene 55+ community, this delightful 3 bed, 2 bath house is perfect for those seeking comfort and convenience. The spacious kitchen boasts ample counter space and cabinetry, and all brand new appliances making it ideal for cooking and entertaining. Three generously-sized bedrooms offer comfort and privacy, complemented by two full bathrooms for added convenience. You will own the lot, providing additional outdoor space for gardening, relaxation, Enjoy the luxury of a brand new front porch, perfect for outdoor gatherings or a quiet retreat. The community amenities include pool privileges, adding to the vibrant and welcoming atmosphere. While the home is move-in ready, it offers potential for personalized updates to make it uniquely yours. This charming home offers a wonderful blend of comfort, convenience, and potential. Don't miss this opportunity to join a welcoming 55+ community and make this house your perfect home. Brand new roof installed.

20. 2024-12-13
    status Pending 986-char remark

    Show marketing remark (986 chars)

    Welcome home! Nestled in a serene 55+ community, this delightful 3 bed, 2 bath house is perfect for those seeking comfort and convenience. The spacious kitchen boasts ample counter space and cabinetry, and all brand new appliances making it ideal for cooking and entertaining. Three generously-sized bedrooms offer comfort and privacy, complemented by two full bathrooms for added convenience. You will own the lot, providing additional outdoor space for gardening, relaxation, Enjoy the luxury of a brand new front porch, perfect for outdoor gatherings or a quiet retreat. The community amenities include pool privileges, adding to the vibrant and welcoming atmosphere. While the home is move-in ready, it offers potential for personalized updates to make it uniquely yours. This charming home offers a wonderful blend of comfort, convenience, and potential. Don't miss this opportunity to join a welcoming 55+ community and make this house your perfect home. Brand new roof installed.

21. 2024-12-03
    historical Option 986-char remark

    Show marketing remark (986 chars)

    Welcome home! Nestled in a serene 55+ community, this delightful 3 bed, 2 bath house is perfect for those seeking comfort and convenience. The spacious kitchen boasts ample counter space and cabinetry, and all brand new appliances making it ideal for cooking and entertaining. Three generously-sized bedrooms offer comfort and privacy, complemented by two full bathrooms for added convenience. You will own the lot, providing additional outdoor space for gardening, relaxation, Enjoy the luxury of a brand new front porch, perfect for outdoor gatherings or a quiet retreat. The community amenities include pool privileges, adding to the vibrant and welcoming atmosphere. While the home is move-in ready, it offers potential for personalized updates to make it uniquely yours. This charming home offers a wonderful blend of comfort, convenience, and potential. Don't miss this opportunity to join a welcoming 55+ community and make this house your perfect home. Brand new roof installed.

22. 2024-09-06
    status Active 986-char remark

    Show marketing remark (986 chars)

    Welcome home! Nestled in a serene 55+ community, this delightful 3 bed, 2 bath house is perfect for those seeking comfort and convenience. The spacious kitchen boasts ample counter space and cabinetry, and all brand new appliances making it ideal for cooking and entertaining. Three generously-sized bedrooms offer comfort and privacy, complemented by two full bathrooms for added convenience. You will own the lot, providing additional outdoor space for gardening, relaxation, Enjoy the luxury of a brand new front porch, perfect for outdoor gatherings or a quiet retreat. The community amenities include pool privileges, adding to the vibrant and welcoming atmosphere. While the home is move-in ready, it offers potential for personalized updates to make it uniquely yours. This charming home offers a wonderful blend of comfort, convenience, and potential. Don't miss this opportunity to join a welcoming 55+ community and make this house your perfect home. Brand new roof installed.

23. 2024-08-28
    historical Option 986-char remark

    Show marketing remark (986 chars)

    Welcome home! Nestled in a serene 55+ community, this delightful 3 bed, 2 bath house is perfect for those seeking comfort and convenience. The spacious kitchen boasts ample counter space and cabinetry, and all brand new appliances making it ideal for cooking and entertaining. Three generously-sized bedrooms offer comfort and privacy, complemented by two full bathrooms for added convenience. You will own the lot, providing additional outdoor space for gardening, relaxation, Enjoy the luxury of a brand new front porch, perfect for outdoor gatherings or a quiet retreat. The community amenities include pool privileges, adding to the vibrant and welcoming atmosphere. While the home is move-in ready, it offers potential for personalized updates to make it uniquely yours. This charming home offers a wonderful blend of comfort, convenience, and potential. Don't miss this opportunity to join a welcoming 55+ community and make this house your perfect home. Brand new roof installed.

24. 2024-07-02
    listed $149,900 Active 986-char remark

    Show marketing remark (986 chars)

    Welcome home! Nestled in a serene 55+ community, this delightful 3 bed, 2 bath house is perfect for those seeking comfort and convenience. The spacious kitchen boasts ample counter space and cabinetry, and all brand new appliances making it ideal for cooking and entertaining. Three generously-sized bedrooms offer comfort and privacy, complemented by two full bathrooms for added convenience. You will own the lot, providing additional outdoor space for gardening, relaxation, Enjoy the luxury of a brand new front porch, perfect for outdoor gatherings or a quiet retreat. The community amenities include pool privileges, adding to the vibrant and welcoming atmosphere. While the home is move-in ready, it offers potential for personalized updates to make it uniquely yours. This charming home offers a wonderful blend of comfort, convenience, and potential. Don't miss this opportunity to join a welcoming 55+ community and make this house your perfect home. Brand new roof installed.

25. 2021-04-01
    listed $95,000
26. 2021-04-01
    listed $95,000
27. 2018-05-21
    soldstatus
28. 2008-12-18
    soldstatus
29. 1993-02-01
    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: $939 · $78/mo
• Projected year-2 tax: $3,073 · $256/mo
• Expected delta: +$2,133/yr (+$178/mo · 227.2%)

ⓘ 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 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 23 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% 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: $16,101
• − Mortgage interest: −$9,405
• − Property taxes: −$939
• − Insurance: −$840
• − Repairs & maintenance: −$1,288
• − Management: −$1,288
• − Depreciation: −$4,884
• Taxable loss: −$2,543
• Est. tax savings @ 24.0%: +$610
• After-tax cash flow: $986/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: Harlingen CISD
• NCES district ID: 4822530
• Math proficiency: 25% ▼ -28.00%
• Reading proficiency: 35% ▼ -11.00%
• Median HH income: $37,182
• Composite: 24.94/100
• National rank: #7566
• State rank: #647 of 826 in TX

Livability — Harlingen

• Score: 73/100
• State rank: #217
• US rank: #5347

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Cameron County · 310,734 people
• City population: 95,667
• Metro: Brownsville-Harlingen, TX
• Population (ZIP): 42,332
• Household income: $69,811
• Rent vs Own: 24.7% rent · 75.3% own
• Severe rent burden: 487.0

Population outlook (Cameron County) Hauer SSP2

• Today (2025): 441,603 people
• By 2030: 448,113 · +1.5%
• By 2040: 456,385 · +3.3%
• By 2050: 456,294 · +3.3%
• By 2075: 423,851 · -4.0%
• By 2100: 342,787 · -22.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (80%)
• Race & ethnicity: Hispanic / Latino 80% Two or more races 31% White 16% Asian 2%
• Hispanic origin (detail): Mexican 75%
• Common ancestry: Lithuanian 1% Romanian 1% Slovak 1%
• Foreign-born: 15% · Canada
• Languages at home: 49% English-only · Spanish 49% Vietnamese 1%

Political lean MEDSL · Cameron

• 2024 margin: Lean R (+5.8) · D 46.7% · R 52.5%
• 2008→2024 swing: -34.6pp toward R · 2008: 28.8pp · 2024: -5.8pp
• All cycles: 2024: R+5.8 2020: D+13.2 2016: D+32.5 2012: D+32.4 2008: D+28.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -31.61%
• Current HPI: 197.1906
• Rent YoY: ▼ -1.87%
• Metro: Brownsville-Harlingen, 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

+76.7% since first listed

15 events — show timeline

• 2026-05-18 Price Changed $167,900 RGVMLS
• 2026-05-01 Price Changed $172,500 RGVMLS
• 2026-03-29 Listed $175,000 RGVMLS
• 2025-01-06 Sold (Public Records) — Public Records
• 2025-01-03 Sold (MLS) — MCALLENMLS
• 2024-12-13 Pending — MCALLENMLS
• 2024-12-03 Contingent — MCALLENMLS
• 2024-09-06 Relisted — MCALLENMLS
• 2024-08-28 Contingent — MCALLENMLS
• 2024-07-02 Listed $149,900 MCALLENMLS
• 2021-04-01 Listed $95,000 MCALLENMLS
• 2021-04-01 Listed $95,000 RGVMLS
• 2018-05-21 Sold (Public Records) — Public Records
• 2008-12-18 Sold (Public Records) — Public Records
• 1993-02-01 Sold (Public Records) — Public Records

Property tax history

+8.9%/yr

Latest (2025): $939 · +20.1% YoY. Source: county tax records.