6903 Stockport Dr · San Antonio, TX 78239

$145,000

3 bd · 2.0 ba · 1,029 sqft · Townhouse public records · 50 Days on market

Built 1979 2,526 sqft lot $141/sqft · 9% below area Est $160k · 9% under

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Why this score? — see what drove the C 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 +19.8/30.0
• ARV discount +11.7/15.0
• DSCR +6.3/10.0
• 1% rule +5.0/10.0
• Livability +4.0/5.0
• Schools +3.8/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

Beautifully refreshed and move in ready, this 3 bedroom, 2 bath home in Camelot II offers a bright, welcoming feel with thoughtful updates throughout. Recently renovated with new flooring, fresh interior paint, and fresh exterior paint, the home delivers a clean, turnkey experience ideal for both first time buyers and investors. The main living area features soaring vaulted ceilings, abundant natural light, and a fireplace that anchors the space and adds warmth and character. The layout flows comfortably into the kitchen and dining areas, creating an easy, everyday livability. Bedrooms are well sized and versatile, offering flexibility for guests, a home office, or additional living needs.

Key facts

• 2,526 sq ft lot
• 2 garage spots
• Built 1979

Property features AI

Finance

• Financial info: Down payment resource not indicated
• HOA & community: Neighborhood jogging trails; Subdivision: CAMELOT / CAMELOT II

Exterior

• Parking: Detached 2-car garage
• Security: Owned security system
• Utilities: Water service: SAWS; Sewer service: SAWS; Electric service: CPS; Gas service: CPS; Standard water and sewer systems
• Home design: Pre-owned single-family residence; Recent rehab
• Construction: Brick and siding exterior; Slab foundation; Other roof type (see remarks); Approximately 47 years old
• Exterior features: Patio slab; Privacy fence; Double-pane windows; City view; Street paved with curbs and sidewalks; Alley access; Asphalt improvements

Interior

• Kitchen: Island layout with breakfast bar; Cooktop; Self-cleaning oven; Refrigerator; Disposal
• Bedrooms: Master bedroom on lower level (15 x 11); Bedroom 2 (13 x 10); Bedroom 3 (13 x 10)
• Flooring: Vinyl flooring
• Bathrooms: Two full bathrooms; Master bath with tub/shower combination (6 x 12)
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Washer and dryer connections; Cooktop; Self-cleaning oven; Refrigerator; Garbage disposal; Smoke alarm; Owned security system; Gas water heater; Two living areas; Separate dining room; Island kitchen; Breakfast bar; Game room; Media room; Loft; High ceilings; Cable TV available; High-speed internet; All window coverings remain; Living room fireplace
• Laundry & utility: Washer connection; Dryer connection

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $145k.

Deal economics

• At list price, monthly cash flow is $174 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $145k).
• Recommended offer: $141k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.7% vs local median 3.8% in San Antonio — 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 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F.
• North East ISD (urban): math 38% / reading 49% proficiency, ranked #276 of 826 in TX (top 33%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Montgomery El (math 17% / reading 22%, grade F, #3,583 of 4,322 statewide, top 86%, 263 students, 92% FRL); Roosevelt H S (math 20% / reading 40%, grade F, #1,096 of 1,632 statewide, top 68%, 2,599 students, 72% FRL) — zoned schools average 82% FRL vs 41% district-wide (41 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 25% at this address vs 44% district-wide (-19 pts) — the specific schools serving this property underperform the North East ISD average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-1.1%/yr); 202 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); 8,308 units permitted in Bexar County in 2024 (2,506 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 $4k of value loss. Plan a longer hold.
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($141k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% 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 $140,650 (3.0% below list)

Questions for the listing agent

1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.00% ✓
• Cap rate: 7.73%
• Cash-on-cash: 5.13%
• DSCR: 1.23
• GRM: 8.3

CMA / ARV

• ARV (median comp): $160,054
• List price: $145,000
• Delta: -9.41%
• 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
6915 Oldham	0.06mi	3/2.0	1,048 (+2%)	5mo	$139,900	$133	90
6901 Oldham	0.05mi	3/1.0	1,032 (+0%)	9mo	$142,500	$138	86
7901 Broadwick	0.18mi	2/2.0 (-1)	986 (-4%)	11mo	$125,000	$127	70
7124 Oldham	0.23mi	3/2.0	1,074 (+4%)	16mo	$170,000	$158	69
7904 Broadwick	0.20mi	3/2.0	1,104 (+7%)	17mo	$135,000	$122	64
8002 Mallow	0.27mi	3/2.0	1,177 (+14%)	22mo	$100,000	$85	45
7007 Glen Park	0.58mi	2/1.0 (-1)	896 (-13%)	22mo	$129,000	$144	24

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: -11.7%
• Equity multiple: 0.59×
• Total profit: $-16,693
• Equity at exit: $21,620

10-year hold

• IRR: -7.5%
• Equity multiple: 0.59×
• Total profit: $-16,749
• Equity at exit: $12,537

Cash invested: $40,600 (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 78239

• Home prices YoY: -5.9%
• Rents YoY: -1.1%
• Active inventory: 202
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,455 high
• Mortgage (P&I): −$760
• Tax from tax record: −$155 /mo · $1,862/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$306
• Net cashflow: $174

Break-even live

Break-even rent $1,235

Max offer price $145,000

Occupancy floor 83%

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6918 Stockport San Antonio, TX	3.0	2.0	1390	$1,050	$0.76	43d	1	0.04mi
6814 Oldham San Antonio, TX	3.0	2.0	1238	$1,300	$1.05	23d	1	0.12mi
7923 Langport San Antonio, TX	3.0	2.0	1095	$1,800	$1.64	43d	1	0.15mi
8318 Tuxford San Antonio, TX	4.0	2.0	1452	$1,700	$1.17	3d	1	0.19mi
7138 Brecon San Antonio, TX	3.0	2.5	1276	$1,065	$0.83	43d	1	0.23mi
7812 Broadwick San Antonio, TX	2.0	1.0	884	$1,075	$1.22	17d	1	0.24mi
7904 Mallow San Antonio, TX	3.0	2.0	1135	$1,145	$1.01	14d	1	0.25mi
7809 Sarepto San Antonio, TX	2.0	2.0	1152	$950	$0.82	23d	1	0.25mi
6733 Montgomery Dr San Antonio, TX	3.0	2.0	1150	$860	$0.75	43d	2	0.26mi
7006 Glen Grv San Antonio, TX	3.0	2.0	1036	$1,495	$1.44	43d	1	0.31mi
8259 Montgomery Oak San Antonio, TX	3.0	2.0	1152	$1,250	$1.09	43d	5	0.34mi
6811 Avila San Antonio, TX	3.0	2.0	1260	$1,555	$1.23	20d	1	0.36mi
7210 John Palmer Dr Unit 101 San Antonio, TX	3.0	2.5	1426	$1,650	$1.16	16d	1	0.37mi
7210 John Palmer Dr Unit 101 San Antonio, TX	3.0	2.5	1426	$1,700	$1.19	23d	1	0.37mi
8310 Hastings San Antonio, TX	2.0	1.0	1315	$1,450	$1.10	23d	1	0.45mi
6607 Benhill San Antonio, TX	3.0	2.0	1318	$2,000	$1.52	21d	1	0.45mi
8215 Littleport San Antonio, TX	3.0	2.0	1344	$1,600	$1.19	17d	1	0.46mi
7643 Glen Shire San Antonio, TX	3.0	2.0	868	$1,475	$1.70	23d	1	0.49mi
7603 Glen Vis San Antonio, TX	3.0	2.0	980	$1,200	$1.22	7d	1	0.50mi
7662 Oak Chase San Antonio, TX	3.0	2.0	1250	$1,200	$0.96	10d	1	0.55mi
7664 Oak Chase San Antonio, TX	3.0	2.0	1250	$1,350	$1.08	7d	1	0.55mi
7658 Oak Chase San Antonio, TX	3.0	2.0	1250	$1,350	$1.08	7d	1	0.55mi
7660 Oak Chase San Antonio, TX	3.0	2.0	1250	$1,200	$0.96	10d	1	0.55mi
7650 Oak Chase Unit 7650 San Antonio, TX	4.0	2.0	1250	$1,650	$1.32	43d	1	0.56mi
8350 Hastings San Antonio, TX	3.0	2.0	1247	$2,000	$1.60	43d	1	0.56mi
7222 Glen Hvn San Antonio, TX	4.0	2.0	1320	$1,350	$1.02	23d	1	0.57mi
6721 Brothers Ln Unit 6721 San Antonio, TX	4.0	2.0	1250	$1,300	$1.04	16d	1	0.57mi
6721 Brothers Ln San Antonio, TX	4.0	2.0	1250	$1,300	$1.04	7d	1	0.57mi
7636 Oak Chase Unit 1 San Antonio, TX	3.0	2.0	1200	$1,255	$1.05	43d	1	0.57mi
7648 Windsor Oaks San Antonio, TX	4.0	2.0	1500	$1,295	$0.86	23d	1	0.59mi
7651 Oak Chase San Antonio, TX	3.0	3.5	1034	$1,695	$1.64	23d	1	0.59mi
7613 Oak Chase San Antonio, TX	3.0	2.0	1200	$1,100	$0.92	43d	1	0.63mi
7318 Glen Trl San Antonio, TX	3.0	2.0	1226	$1,900	$1.55	43d	1	0.63mi
7614 Glen Hurst San Antonio, TX	3.0	1.0	1100	$1,400	$1.27	1d	1	0.63mi
9034 (15/16) Glen Shadow Dr San Antonio, TX	3.0	2.5	1225	$1,400	$1.14	43d	1	0.65mi
9034 (15/16) Glen Shadow Dr San Antonio, TX	3.0	2.5	1225	$1,550	$1.27	2d	1	0.65mi
7326 Glen Trl San Antonio, TX	4.0	2.0	1370	$1,549	$1.13	2d	1	0.65mi
7568 Windsor Oaks Unit 7572 San Antonio, TX	3.0	2.0	1150	$1,250	$1.09	4d	1	0.67mi
7042 Glen Mist San Antonio, TX	3.0	2.0	1284	$950	$0.74	43d	1	0.67mi
8454 Braewick Dr San Antonio, TX	2.0	2.0	784	$900	$1.15	16d	1	0.67mi

Listing history 14 events

1. 2026-06-18
   days on market $145,000 Active 50 DOM
2. 2026-06-17
   days on market $145,000 Active 49 DOM
3. 2026-06-16
   days on market $145,000 Active 48 DOM
4. 2026-06-13
   days on market $145,000 Active 45 DOM
5. 2026-06-13
   days on market $145,000 Active 44 DOM
6. 2026-06-09
   days on market $145,000 Active 41 DOM
7. 2026-06-08
   days on market $145,000 Active 40 DOM
8. 2026-06-07
   days on market $145,000 Active 39 DOM
9. 2026-06-04
   days on market $145,000 Active 36 DOM
10. 2026-06-03
    days on market $145,000 Active 35 DOM
11. 2026-06-02
    days on market $145,000 Active 34 DOM
12. 2026-06-01
    days on market $145,000 Active 33 DOM
13. 2026-05-31
    days on market $145,000 Active 32 DOM
14. 2026-04-29
    listed $145,000 New 1327-char remark

ⓘ 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: $1,862 · $155/mo
• Projected year-2 tax: $2,654 · $221/mo
• Expected delta: +$791/yr (+$66/mo · 42.5%)

ⓘ 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 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,464
• − Mortgage interest: −$8,122
• − Property taxes: −$1,862
• − Insurance: −$725
• − Repairs & maintenance: −$1,397
• − Management: −$1,397
• − Depreciation: −$4,218
• Taxable loss: −$258
• Est. tax savings @ 24.0%: +$62
• After-tax cash flow: $2,146/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: North East ISD
• NCES district ID: 4832940
• Math proficiency: 38% ▼ -14.00%
• Reading proficiency: 49% ▼ -4.00%
• Median HH income: $57,715
• Composite: 38.1/100
• National rank: #4276
• State rank: #276 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 28,609
• Household income: $70,098
• Rent vs Own: 26.2% rent · 73.8% own
• Severe rent burden: 488.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: Hispanic / Latino 47% White 30% Two or more races 20% Black 16% Asian 4% Pacific Islander 2%
• Hispanic origin (detail): Mexican 38% Puerto Rican 4%
• Common ancestry: Lithuanian 2% Romanian 1% Slovak 1%
• Foreign-born: 13% · Canada, Vietnam, Jamaica
• Languages at home: 72% English-only · Spanish 24% Vietnamese 1% Chinese 1%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -15.13%
• Current HPI: 242.1272
• Rent YoY: ▼ -1.05%
• Metro: San Antonio-New Braunfels, 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

1 event — show timeline

• 2026-04-29 Listed $145,000 LERA

Property tax history

+10.7%/yr

Latest (2025): $1,862 · -6.3% YoY. Source: county tax records.