1413 S 2nd St · Temple, TX 76504

$139,995

2 bd · 1.0 ba · 804 sqft · SingleFamily public records · 289 Days on market

Built 1913 5,985 sqft lot $174/sqft · 31% above area Est $151k · 7% under ↓ 22% 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).

• Cash flow +12.0/30.0
• ARV discount +10.8/15.0
• Livability +3.8/5.0
• DSCR +3.5/10.0
• 1% rule +2.8/10.0
• Schools +2.7/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

Key facts

• Ample cabinetry
• Large backyard
• Mature shade trees

Tags

• SPACIOUS LAYOUT
• AMPLE CABINETRY
• LARGE BACKYARD
• OFF-STREET PARKING
• MATURE SHADE TREES
• PROXIMITY TO TEMPLE COLLEGE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $-33 ($-401/yr) — negative.
• To cash-flow at today's rent, offer at most $134k (4.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $110k (21.7% below list).
• Recommended offer: $110k (21.7% below list) — sets the bar for 1% rule.
• Cap rate 6.0% 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 flat; 276 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $968 of loan paydown is wiped out by about $4k 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 289 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $15k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1913 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 76% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,597 (21.7% 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 289 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
3. Built in 1913 — 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. 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. 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: 0.78% ✗
• Cap rate: 6.01%
• Cash-on-cash: -1.02%
• DSCR: 0.95
• GRM: 10.6

CMA / ARV

• ARV (median comp): $151,222
• List price: $139,995
• Delta: -7.42%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1506 S 9th St	0.39mi	2/1.0	830 (+3%)	0mo	$150,000	$181	76
915 S 6th St	0.38mi	2/1.0	800 (-0%)	7mo	$149,999	$187	76
1807 S 11th St	0.48mi	2/1.0	772 (-4%)	1mo	$130,000	$168	70
1309 S 4th St	0.13mi	1/1.0 (-1)	720 (-10%)	5mo	$75,000	$104	67
1004 S 12th St	0.42mi	2/1.0	868 (+8%)	1mo	$30,500	$35	67
1814 S 7th St	0.41mi	2/1.0	840 (+4%)	8mo	$159,900	$190	66
1519 S 11th St	0.42mi	2/1.0	738 (-8%)	5mo	$135,000	$183	62
1907 S 15th St	0.62mi	2/1.0	784 (-2%)	7mo	$100,000	$128	61

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 · 0.33% rent growth · sell at horizon

5-year hold

• IRR: -20.8%
• Equity multiple: 0.29×
• Total profit: $-27,709
• Equity at exit: $20,874

10-year hold

• IRR: -21.1%
• Equity multiple: 0.03×
• Total profit: $-38,130
• Equity at exit: $12,104

Cash invested: $39,199 (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 76504

• Rents YoY: 0.3%
• Active inventory: 276
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $1,096 high
• Mortgage (P&I): −$734
• Tax from tax record: −$107 /mo · $1,281/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$230
• Net cashflow: $-33

Break-even live

Break-even rent $1,138

Max offer price $134,087

Occupancy floor 98%

Sensitivity live

Price	-10% $46	-5% $6	+0% $-33	+5% $-73	+10% $-113
Rent	-10% $-120	-5% $-77	+0% $-33	+5% $10	+10% $53
Rate	-1.0pp $37	-0.5pp $2	base $-33	+0.5pp $-70	+1.0pp $-107

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: $34,999
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1118 Martin Luther King Junior Dr Unit D Temple, TX	1.0	1.0	572	$750	$1.31	14d	1	0.22mi
1219 S 10th St Temple, TX	3.0	1.0	1080	$1,050	$0.97	44d	1	0.24mi
1002 S 2nd St Temple, TX	3.0	1.0	1064	$1,325	$1.25	22d	1	0.32mi
603 East Avenue M Unit B Temple, TX	3.0	1.0	900	$945	$1.05	44d	1	0.33mi
1518 S 7th St Temple, TX	2.0	1.0	965	$1,100	$1.14	24d	1	0.36mi
814 S Martin Luther King Blvd Temple, TX	3.0	2.0	1035	$1,100	$1.06	14d	1	0.43mi
1117 S 9th St Unit B Temple, TX	3.0	1.0	900	$850	$0.94	24d	1	0.43mi
1511 S 11th St Temple, TX	2.0	1.0	735	$1,095	$1.49	14d	1	0.45mi
1615 S 11th St Temple, TX	2.0	1.0	1076	$1,995	$1.85	14d	1	0.46mi
1205 S 17th St Temple, TX	2.0	1.0	840	$625	$0.74	24d	1	0.65mi
703 S 16th St Temple, TX	3.0	2.0	1090	$1,035	$0.95	14d	1	0.69mi
708 Henderson St Temple, TX	3.0	2.0	1090	$1,025	$0.94	14d	1	0.69mi
901 S 20th St Unit b Temple, TX	1.0	1.0	615	$750	$1.22	14d	1	0.71mi
1104 S Terrace St Unit A Temple, TX	1.0	1.0	560	$750	$1.34	14d	1	0.71mi
1305 S 21st St Temple, TX	2.0	1.0	900	$1,150	$1.28	44d	1	0.75mi
714 S 20th St Unit B Temple, TX	2.0	1.0	650	$750	$1.15	44d	1	0.76mi
1001 S Terrace St Temple, TX	3.0	2.0	1090	$1,015	$0.93	14d	1	0.77mi
509 S 16th St Temple, TX	3.0	2.0	1090	$1,065	$0.98	14d	1	0.79mi
518 S Knob St Unit B Temple, TX	3.0	2.0	1090	$1,015	$0.93	14d	1	0.79mi
505 S 16th St Temple, TX	3.0	2.0	1090	$1,070	$0.98	14d	1	0.79mi
1218 S 26th St Unit A Temple, TX	3.0	1.0	900	$850	$0.94	24d	1	0.81mi
510 S Knob St Unit A Temple, TX	1.0	1.0	560	$650	$1.16	44d	1	0.82mi
503 Henderson St Temple, TX	3.0	2.0	1090	$1,015	$0.93	14d	1	0.82mi
513 S Knob St Unit B Temple, TX	1.0	1.0	560	$550	$0.98	44d	1	0.82mi
2405 S 13th St Temple, TX	1.0–2.0	1.0–2.0	835	$1,065	$1.28	14d	4	0.84mi
1201 S 25th St Temple, TX	2.0	1.0	852	$1,265	$1.48	24d	1	0.91mi
902 S 23rd St Temple, TX	3.0	1.0	1040	$1,200	$1.15	24d	1	0.92mi
607 A S Terrace ST Unit A Temple, TX	1.0	1.0	560	$550	$0.98	44d	1	0.93mi
701a S 24th St Unit A Temple, TX	1.0	1.0	550	$795	$1.45	44d	1	0.93mi
701 S 24th St Unit B Temple, TX	1.0	1.0	555	$795	$1.43	44d	1	0.93mi
806 S 23rd St Temple, TX	3.0	2.0	1000	$1,445	$1.45	14d	1	0.95mi
613 S 24th St Temple, TX	3.0	2.0	1028	$1,290	$1.25	24d	1	0.96mi
606 S 26th St Apt A Temple, TX	1.0	1.0	580	$750	$1.29	14d	1	0.99mi
602 S 26th St Temple, TX	3.0	1.0	768	$1,200	$1.56	24d	1	1.00mi
15 S 10th St Temple, TX	3.0	1.0	916	$950	$1.04	44d	1	1.00mi
701 East Avenue A Unit A Temple, TX	3.0	2.0	1090	$1,349	$1.24	14d	1	1.00mi
4 N 4th St Temple, TX	1.0	1.0	752	$1,400	$1.86	44d	1	1.05mi
1001 S 29th St Temple, TX	3.0	1.0	1080	$1,400	$1.30	24d	1	1.07mi
514 E Central Ave Unit B Temple, TX	1.0	1.0	560	$695	$1.24	14d	1	1.08mi
640 SW H K Dodgen Loop Temple, TX	1.0–2.0	1.0–2.0	857	$1,899	$2.22	14d	1	1.08mi

Listing history 41 events

1. 2026-06-18
   days on market $139,995 Active 289 DOM
2. 2026-06-17
   days on market $139,995 Active 288 DOM
3. 2026-06-16
   days on market $139,995 Active 287 DOM
4. 2026-06-15
   days on market $139,995 Active 286 DOM
5. 2026-06-14
   pricedays on market $139,995 Active 284 DOM
6. 2026-06-10
   days on market $139,999 Active 281 DOM
7. 2026-06-09
   days on market $139,999 Active 280 DOM
8. 2026-06-08
   days on market $139,999 Active 279 DOM
9. 2026-06-07
   days on market $139,999 Active 278 DOM
10. 2026-06-03
    days on market $139,999 Active 274 DOM
11. 2026-06-02
    days on market $139,999 Active 273 DOM
12. 2026-06-01
    days on market $139,999 Active 272 DOM
13. 2026-05-31
    days on market $139,999 Active 271 DOM
14. 2026-05-30
    days on market $139,999 Active 270 DOM
15. 2026-04-01
    price $139,999 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

16. 2026-02-04
    price $142,000 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

17. 2026-01-20
    price $142,999 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

18. 2026-01-10
    price $143,000 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

19. 2026-01-01
    price $143,999 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

20. 2025-11-03
    price $144,000 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

21. 2025-10-27
    price $144,999 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

22. 2025-10-22
    price $145,000 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

23. 2025-10-14
    price $147,900 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

24. 2025-10-06
    price $148,900 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

25. 2025-10-01
    price $148,999 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

26. 2025-09-15
    price $149,999 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

27. 2025-09-02
    listed $155,000 Active 1559-char remark

    Show marketing remark (1559 chars)

    Motivated Seller! Special rate is available to lock when using preferred lender. Ask me how! Save on your monthly payments for 2 YEARS with a Temporary Rate Buydown - covered entirely by JVM Lending! Welcome to 1413 S 2nd St, Temple, TX 76504! This charming single-family home is nestled in a quiet, established neighborhood just minutes from the heart of Temple. Step inside to discover a spacious layout with abundant natural light, perfect for relaxing or entertaining guests. The kitchen features ample cabinetry and flows seamlessly into the dining area, making meal times a breeze. Enjoy the comfort of generously sized bedrooms and a large backyard—ideal for summer barbecues, gardening, or simply unwinding after a long day. The property offers convenient off-street parking and mature shade trees that enhance its curb appeal. Located just a short drive from Baylor Scott & White Medical Center, Temple College, and the vibrant downtown area, you’ll have easy access to shopping, dining, and entertainment. Nearby businesses include H-E-B, Walmart Supercenter, and local favorites like Bird Creek Burger Co. and Megg’s Caffee. Outdoor enthusiasts will appreciate proximity to Miller Park and the Temple Railroad & Heritage Museum. Don’t miss your chance to own this delightful home in a prime Temple location—schedule your tour today! Information provided (measurements, schools, tax, etc) is deemed reliable, but is not guaranteed and should be independently verified by the buyer or the buyer's agent.

28. 2025-04-07
    listed $160,000 Active
29. 2025-01-31
    historical
30. 2024-10-07
    status Active
31. 2024-09-30
    historical
32. 2024-09-24
    price $159,999
33. 2024-06-27
    price $169,999
34. 2024-06-17
    price $178,999
35. 2024-05-24
    listed $179,000 Active
36. 2024-04-09
    historical
37. 2024-02-07
    listed $179,000 Active
38. 2020-03-05
    soldstatus
39. 2018-04-18
    soldstatus
40. 2000-08-10
    soldstatus
41. 1988-09-15
    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: $1,281 · $107/mo
• Projected year-2 tax: $2,562 · $213/mo
• Expected delta: +$1,281/yr (+$107/mo · 99.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 76% 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: $13,152
• − Mortgage interest: −$7,842
• − Property taxes: −$1,281
• − Insurance: −$700
• − Repairs & maintenance: −$1,052
• − Management: −$1,052
• − Depreciation: −$4,073
• Taxable loss: −$2,848
• Est. tax savings @ 24.0%: +$684
• After-tax cash flow: $282/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): 26,166
• Household income: $52,803
• Rent vs Own: 68.6% rent · 31.4% own
• Severe rent burden: 1489.0

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 0.65)
• Race & ethnicity: White 49% Hispanic / Latino 29% Black 15% Two or more races 14% Asian 1%
• Hispanic origin (detail): Mexican 24% Puerto Rican 2%
• Common ancestry: Italian 2% Romanian 2% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1%

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: ▼ -159.28%
• Current HPI: 186.1148
• Rent YoY: ▲ 0.33%
• 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

-21.8% since first listed

27 events — show timeline

• 2026-04-01 Price Changed $139,999 Unlock MLS
• 2026-02-04 Price Changed $142,000 Unlock MLS
• 2026-01-20 Price Changed $142,999 Unlock MLS
• 2026-01-10 Price Changed $143,000 Unlock MLS
• 2026-01-01 Price Changed $143,999 Unlock MLS
• 2025-11-03 Price Changed $144,000 Unlock MLS
• 2025-10-27 Price Changed $144,999 Unlock MLS
• 2025-10-22 Price Changed $145,000 Unlock MLS
• 2025-10-14 Price Changed $147,900 Unlock MLS
• 2025-10-06 Price Changed $148,900 Unlock MLS
• 2025-10-01 Price Changed $148,999 Unlock MLS
• 2025-09-15 Price Changed $149,999 Unlock MLS
• 2025-09-02 Listed $155,000 Unlock MLS
• 2025-04-07 Listed $160,000 CTXMLS
• 2025-01-31 Listing Removed — CTXMLS
• 2024-10-07 Relisted — CTXMLS
• 2024-09-30 Listing Removed — CTXMLS
• 2024-09-24 Price Changed $159,999 CTXMLS
• 2024-06-27 Price Changed $169,999 CTXMLS
• 2024-06-17 Price Changed $178,999 CTXMLS
• 2024-05-24 Listed $179,000 CTXMLS
• 2024-04-09 Listing Removed — CTXMLS
• 2024-02-07 Listed $179,000 CTXMLS
• 2020-03-05 Sold (Public Records) — Public Records
• 2018-04-18 Sold (Public Records) — Public Records
• 2000-08-10 Sold (Public Records) — Public Records
• 1988-09-15 Sold (Public Records) — Public Records

Property tax history

+15.6%/yr

Latest (2025): $1,281 · +22.5% YoY. Source: county tax records.