707 S 5th St · Copperas Cove, TX 76522

$116,000

3 bd · 1.0 ba · 1,112 sqft · SingleFamily public records · 10 Days on market

Built 1961 9,439 sqft lot Est $150k · 23% 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).

• ARV discount +15.0/15.0
• Cash flow +14.8/30.0
• 1% rule +4.5/10.0
• DSCR +4.5/10.0
• Schools +3.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks

Location, Value, and Everyday Convenience All in One! This 3-bedroom, 1-bath home is ideally situated across from local schools, just minutes from Fort Hood, and close to downtown dining and amenities. Inside, you’ll find original hardwood floors, bright windows, and a functional single-level layout with all bedrooms together, perfect for simple, efficient living. With 1,112 sq ft, this home offers a comfortable space that’s move-in ready, with the opportunity to update over time to match your style. Enjoy off-street parking with a 1-car garage and driveway, plus a spacious lot with room to relax, entertain, or personalize. Whether you're relocating, purchasing your first home,

Key facts

• 9,439 sq ft lot
• Garage
• Built 1961

Property features AI

Finance

• HOA & community: Curbs and sidewalks in the community

Exterior

• Parking: 1-car garage
• Utilities: Cable available; Electricity available (electric on property); Natural gas available; Public water; Public sewer; Public trash collection
• Home design: Single-story; Resale property; Pillar/post/pier foundation
• Construction: Frame construction with lap siding; Composition/shingle roof; Built (year per assessor)
• Exterior features: Covered porch; Porch; Chain link fence around back yard; City lot, less than quarter acre; City street frontage

Interior

• Kitchen: Disposal; Gas range; Range; Refrigerator; Some electric appliances; Some gas appliances
• Bedrooms: Bedrooms on main level
• Flooring: Hardwood; Linoleum; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air (single unit)
• Interior features: Ceiling fans; Laminate countertops; Kitchen/dining combo
• Laundry & utility: Laundry in garage

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $116k.

Deal economics

• At list price, monthly cash flow is $31 ($372/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 $110k (4.8% below list).
• Recommended offer: $110k (4.8% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.5% in Copperas Cove — 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 65/100 on livability (#706 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D+, amenities F, commute F.
• Copperas Cove ISD (suburban): math 41% / reading 42% proficiency, ranked #340 of 826 in TX (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Fairview/Miss Jewell El (math 39% / reading 42%, grade F, #1,490 of 4,322 statewide, top 35%, 500 students, 77% FRL); Copperas Cove J H (math 43% / reading 42%, grade D-, #553 of 1,662 statewide, top 34%, 924 students, 63% FRL); Copperas Cove H S (math 29% / reading 42%, grade F, #941 of 1,632 statewide, top 58%, 2,277 students, 52% FRL) — zoned schools average 64% FRL vs 41% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.2%/yr); 610 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; 386 units permitted in Coryell County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $802 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 3y 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: major wind risk, 51% 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 $110,448 (4.8% below list)

Questions for the listing agent

1. Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 0.95% ✗
• Cap rate: 6.61%
• Cash-on-cash: 1.14%
• DSCR: 1.05
• GRM: 8.8

CMA / ARV

• ARV (on-the-fly): $150,120
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
707 S 5th St	0.00mi	3/1.0	1,112 (0%)	1mo	$116,000	$104	99
1002 S 7th St	0.20mi	3/2.0	1,122 (+1%)	4mo	$62,000	$55	81
506 Veterans Ave	0.24mi	3/1.0	1,034 (-7%)	3mo	$150,000	$145	75
1211 S 13th St	0.46mi	3/2.0	1,118 (+0%)	4mo	$117,000	$105	71
1102 S 3rd St	0.27mi	3/2.0	1,039 (-7%)	2mo	$115,000	$111	70
102 E Robertson Ave	0.34mi	3/1.0	1,008 (-9%)	1mo	$157,500	$156	68
1003 S 27th St	0.62mi	3/1.5	1,124 (+1%)	2mo	$159,000	$141	66
1106 S 15th St	0.42mi	3/1.5	1,032 (-7%)	1mo	$160,882	$156	66
714 Mickan St	0.49mi	3/1.0	1,008 (-9%)	1mo	$97,800	$97	61
914 Edwards St	0.67mi	3/2.0	1,149 (+3%)	3mo	$179,800	$156	56
903 Bluff Dr	0.71mi	3/2.0	1,149 (+3%)	5mo	$155,000	$135	54
117 Myra Lou Ave	0.68mi	3/2.0	1,252 (+13%)	4mo	$135,000	$108	40

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: -18.0%
• Equity multiple: 0.38×
• Total profit: $-20,019
• Equity at exit: $17,296

10-year hold

• IRR: -17.9%
• Equity multiple: 0.16×
• Total profit: $-27,232
• Equity at exit: $10,030

Cash invested: $32,480 (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 76522

• Home prices YoY: -22.4%
• Rents YoY: -0.2%
• Active inventory: 610
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,104 high
• Mortgage (P&I): −$608
• Tax from tax record: −$185 /mo · $2,219/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$232
• Net cashflow: $31

Break-even live

Break-even rent $1,065

Max offer price $116,000

Occupancy floor 92%

Sensitivity live

Price	-10% $97	-5% $64	+0% $31	+5% $-2	+10% $-35
Rent	-10% $-56	-5% $-13	+0% $31	+5% $75	+10% $118
Rate	-1.0pp $89	-0.5pp $60	base $31	+0.5pp $1	+1.0pp $-30

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: $29,000
• Closing costs: $3,480
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
808 Mary St Copperas Cove, TX	3.0	1.0	1028	$1,300	$1.26	45d	1	0.09mi
904 Mary St Copperas Cove, TX	3.0	2.0	1041	$1,052	$1.01	45d	1	0.13mi
604 S 11th St Copperas Cove, TX	3.0	2.0	1119	$1,300	$1.16	45d	1	0.19mi
402 Mary St Apt 204 Copperas Cove, TX	2.0	1.0	850	$725	$0.85	45d	1	0.19mi
1004 S 3rd St Copperas Cove, TX	3.0	1.0	940	$950	$1.01	25d	1	0.21mi
208 Veterans Ave Unit 106 Copperas Cove, TX	2.0	1.0	829	$650	$0.78	25d	1	0.23mi
410 Veterans Ave Unit 5 Copperas Cove, TX	2.0	1.0	800	$750	$0.94	45d	1	0.24mi
1010 Georgetown Rd Copperas Cove, TX	3.0	1.0	1018	$995	$0.98	45d	1	0.24mi
403 S 7th St Copperas Cove, TX	3.0	1.0	910	$1,100	$1.21	45d	1	0.24mi
504 Highway Ave Unit B Copperas Cove, TX	2.0	1.0	1500	$700	$0.47	45d	1	0.25mi
101 Meggs St Unit F Copperas Cove, TX	2.0	1.0	725	$695	$0.96	45d	1	0.25mi
1008 S 9th St Unit B Copperas Cove, TX	2.0	1.0	796	$700	$0.88	45d	1	0.26mi
1005 S 11th St Copperas Cove, TX	4.0	2.0	1236	$1,090	$0.88	45d	1	0.26mi
502 S 9th St Copperas Cove, TX	3.0	1.5	1479	$1,150	$0.78	45d	1	0.29mi
915 S 15th St Copperas Cove, TX	3.0	2.0	1008	$850	$0.84	15d	1	0.29mi
204 West Avenue F Unit A Copperas Cove, TX	2.0	1.0	895	$725	$0.81	45d	1	0.32mi
204 West Avenue F Unit B Copperas Cove, TX	2.0	1.0	895	$705	$0.79	45d	1	0.32mi
1202 S 3rd St Copperas Cove, TX	3.0	2.0	1056	$1,175	$1.11	45d	1	0.35mi
1201 S 9th St Copperas Cove, TX	3.0	2.0	1172	$1,100	$0.94	25d	1	0.36mi
1204 S 7th St Copperas Cove, TX	3.0	2.0	1202	$1,295	$1.08	45d	1	0.37mi
1005 S 19th St Copperas Cove, TX	3.0	1.5	1356	$1,100	$0.81	45d	1	0.42mi
607 Curry Ave Copperas Cove, TX	3.0	1.5	1192	$935	$0.78	25d	1	0.45mi
412 West Avenue C Unit C Copperas Cove, TX	3.0	2.0	1343	$1,600	$1.19	23d	1	0.47mi
414 West Avenue C Unit C Copperas Cove, TX	3.0	2.0	1343	$1,600	$1.19	45d	1	0.47mi
1006 S 21st St Copperas Cove, TX	4.0	2.0	1445	$1,100	$0.76	45d	1	0.49mi
806 S 25th St Copperas Cove, TX	3.0	2.0	1400	$1,400	$1.00	45d	1	0.49mi
307 Sunset Ln Unit 4 Copperas Cove, TX	2.0	1.0	754	$700	$0.93	15d	1	0.50mi
903 Curry Ave Copperas Cove, TX	3.0	2.5	1285	$1,200	$0.93	25d	1	0.50mi
606 Westview Cir Unit B Copperas Cove, TX	2.0	1.0	715	$700	$0.98	45d	1	0.50mi
606 Westview Cir Unit B Copperas Cove, TX	2.0	1.0	715	$700	$0.98	23d	1	0.50mi
307 Sunset Ln Unit 6 Copperas Cove, TX	2.0	1.0	800	$650	$0.81	45d	1	0.50mi
509 West Avenue B Copperas Cove, TX	3.0	2.0	1339	$1,175	$0.88	25d	1	0.51mi
304 Carpenter St Unit 7 Copperas Cove, TX	2.0	1.0	850	$775	$0.91	25d	1	0.51mi
304 Carpenter St Unit 1 Copperas Cove, TX	2.0	1.0	850	$775	$0.91	45d	1	0.51mi
1208 S 19th St Copperas Cove, TX	3.0	1.5	1010	$1,525	$1.51	25d	1	0.55mi
1208 Urbantke Ct Unit 6 Copperas Cove, TX	2.0	1.0	758	$695	$0.92	45d	1	0.57mi
1208 Urbantke Ct Unit 10 Copperas Cove, TX	2.0	1.0	758	$595	$0.78	25d	1	0.57mi
1206 Urbantke Ct Unit B Copperas Cove, TX	2.0	1.0	754	$700	$0.93	45d	1	0.60mi
610 Casa Dr Copperas Cove, TX	2.0	1.0	750	$895	$1.19	15d	1	0.61mi
624 Sunset Ln Unit B Copperas Cove, TX	2.0	1.0	710	$600	$0.85	15d	1	0.62mi

Listing history 8 events

1. 2026-04-16
   status Pending
2. 2026-04-06
   listed $116,000 Active
3. 2024-02-16
   historical $975
4. 2024-01-23
   listed $975
5. 2024-01-23
   historical $975
6. 2023-12-22
   listed $975
7. 2023-08-29
   historical $950
8. 2023-08-09
   listed $950

ⓘ 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: $2,219 · $185/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 7/10 Severe 7 d/yr ≥106°F today · 23 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 51% 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: $13,254
• − Mortgage interest: −$6,498
• − Property taxes: −$2,219
• − Insurance: −$580
• − Repairs & maintenance: −$1,060
• − Management: −$1,060
• − Depreciation: −$3,375
• Taxable loss: −$1,538
• Est. tax savings @ 24.0%: +$369
• After-tax cash flow: $741/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: Copperas Cove ISD
• NCES district ID: 4815240
• Math proficiency: 41% ▼ -6.00%
• Reading proficiency: 42% ▼ -2.00%
• Median HH income: $51,072
• Composite: 35.85/100
• National rank: #4822
• State rank: #340 of 826 in TX

Livability — Copperas Cove

• Score: 65/100
• State rank: #706
• US rank: #13158

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Copperas Cove, TX
• County: Coryell County · 61,053 people
• City population: 42,118
• Metro: Killeen-Temple, TX
• Population (ZIP): 42,118
• Household income: $72,206
• Rent vs Own: 37.9% rent · 62.1% own
• Severe rent burden: 1019.0

Population outlook (Coryell County) Hauer SSP2

• Today (2025): 75,485 people
• By 2030: 75,627 · +0.2%
• By 2040: 74,898 · -0.8%
• By 2050: 74,221 · -1.7%
• By 2075: 72,688 · -3.7%
• By 2100: 66,862 · -11.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 53% Hispanic / Latino 21% Two or more races 20% Black 14% Asian 2%
• Hispanic origin (detail): Mexican 11% Puerto Rican 6%
• Common ancestry: Romanian 2% Italian 2% Lithuanian 2%
• Foreign-born: 7% · Canada, South Korea
• Languages at home: 85% English-only · Spanish 10% German/W. Germanic 2% Other Asian/Pacific 1%

Political lean MEDSL · Coryell

• 2024 margin: Solid R (+40.7) · D 29.1% · R 69.8% · Other 1.1%
• 2008→2024 swing: -13.8pp toward R · 2008: -26.9pp · 2024: -40.7pp
• All cycles: 2024: R+40.7 2020: R+33.5 2016: R+39.5 2012: R+36.6 2008: R+26.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -53.11%
• Current HPI: 183.9452
• Rent YoY: ▼ -0.25%
• 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

8 events — show timeline

• 2026-04-16 Pending — CTXMLS
• 2026-04-06 Listed $116,000 CTXMLS
• 2024-02-16 Rental Removed $975 CTXMLS
• 2024-01-23 Listed for Rent $975 CTXMLS
• 2024-01-23 Rental Removed $975 HEROPM
• 2023-12-22 Listed for Rent $975 HEROPM
• 2023-08-29 Rental Removed $950 HEROPM
• 2023-08-09 Listed for Rent $950 HEROPM

Property tax history

+4.6%/yr

Latest (2025): $2,219 · +1.1% YoY. Source: county tax records.