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630 Williams St
B+ Composite 76.75
Why this score? — see what drove the B+ 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 +30.0/30.0
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Rent growth +4.3/5.0
  • Livability +3.5/5.0
  • Condition / age +2.5/5.0
  • Schools +1.5/10.0
  • Appreciation +0.0/10.0

$79,900

630 Williams St · Kingsville, TX 78363
3 bd · 2.0 ba · 1,534 sqft · SingleFamily public records · 64 Days on market
Built 1967 8,451 sqft lot $52/sqft · 44% below area Est $143k · 44% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Located on a corner lot, this 3-bedroom, 2-bath home offers a prime opportunity for investors ready to bring their vision to life. This property is ideal for those looking to rehab and flip or create a solid long-term rental investment. Inside, you’ll find a sun-filled open living and dining area with generous space that flows into the kitchen—providing a great foundation for a functional layout. The split bedroom arrangement offers added privacy, a feature today’s buyers and tenants appreciate. An added bonus is the indoor laundry area, enhancing everyday convenience. This home is ready for its next chapter—bring the paint, the plans, and a little elbow grease to unlock its full potential. With its location, layout, and investment potential, this property is a smart addition to any portfolio.

Key facts

  • Indoor laundry area
  • Corner lot
  • 8,451 sq ft lot

Tags

CORNER LOTINDOOR LAUNDRY AREASPLIT BEDROOM ARRANGEMENTOPEN LIVING AND DINING AREA

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $80k.

Deal economics

  • At list price, monthly cash flow is $711 ($9k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $80k).
  • Recommended offer: $75k (6.0% below list) — sets the bar for market timing.
  • Cap rate 17.0% vs local median 5.4% in Kingsville — 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 70/100 on livability (#364 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, employment D, amenities F.
  • Kingsville ISD (town): math 13% / reading 22% proficiency, ranked #800 of 826 in TX (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising fast (+7.2%/yr); 227 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 83% of comp listings sitting > 30 days — soft ceiling on asking rent; 24 units permitted in Kleberg County in 2024 (0 in 5+ unit buildings).
  • This rent runs 32% of the median local income ($61k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Kleberg County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 7.2% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 64 days — a 6% lower offer ($75k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts; this cycle's ask has dropped $9k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $75,106 (6.0% below list)

Questions for the listing agent

  1. It's been on market 64 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Built in 1967 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  6. 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
2.00%
Cap rate
16.97%
Cash-on-cash
38.14%
DSCR
2.70
GRM
4.2

CMA / ARV

ARV (median comp)
$142,636
List price
$79,900
Delta
-43.98%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 5 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
521 W Fordyce Ave 0.36mi 4/3.0 (+1) 1,513 (-1%) 9mo $168,000 $111 65
609 S Lantana Dr 0.10mi 3/2.0 1,380 (-10%) 22mo $38,000 $28 60
415 W King Ave 0.54mi 4/2.0 (+1) 1,496 (-2%) 10mo $179,000 $120 57
409 W King Ave 0.55mi 3/1.5 1,565 (+2%) 14mo $149,900 $96 57
425 W King Ave W 0.53mi 3/1.0 1,456 (-5%) 16mo $59,000 $41 50

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 · 7.18% rent growth · sell at horizon

5-year hold
IRR
38.9%
Equity multiple
2.76×
Total profit
$39,378
Equity at exit
$11,913
10-year hold
IRR
47.4%
Equity multiple
6.55×
Total profit
$124,061
Equity at exit
$6,908

Cash invested: $22,372 (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.

ZIP-level market 78363

Rents YoY
7.2%
Active inventory
227
Price-to-rent
4.2×

Monthly cashflow live

Estimated rent
$1,599 high interval (Pro) →
Mortgage (P&I)
$419
Tax est. 1.5%
$100 /mo · $1,198/yr
Insurance
$33
HOA
$0
Vacancy / Maint / Mgmt
$336
Net cashflow
$711

Break-even live

Break-even rent $699
Max offer price $79,900
Occupancy floor 51%

Sensitivity live

Price -10% $766 -5% $739 +0% $711 +5% $684 +10% $656
Rent -10% $585 -5% $648 +0% $711 +5% $774 +10% $837
Rate -1.0pp $751 -0.5pp $731 base $711 +0.5pp $690 +1.0pp $669

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
$19,975
Closing costs
$2,397
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 6 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1204 W Lee Ave Kingsville, TX 4.0 2.5 1970 $1,825 $0.93 44d 1 0.68mi
614 W Alice Ave Kingsville, TX 3.0 2.0 1713 $1,599 $0.93 44d 1 0.73mi
307 W Alice Ave Kingsville, TX 3.0 2.0 1600 $1,500 $0.94 44d 1 0.85mi
629 W Nettie Ave Kingsville, TX 3.0 2.0 1762 $1,495 $0.85 44d 1 0.95mi
503 W Mesquite Ave Kingsville, TX 3.0 2.0 1400 $1,500 $1.07 14d 1 1.31mi
908 E Doddridge Ave Kingsville, TX 3.0 1.0 1100 $850 $0.77 44d 1 1.41mi

Listing history 23 events

  1. 2026-06-21
    days on market $79,900 Active 64 DOM
  2. 2026-06-19
    days on market $79,900 Active 62 DOM
  3. 2026-06-18
    days on market $79,900 Active 61 DOM
  4. 2026-06-17
    days on market $79,900 Active 60 DOM
  5. 2026-06-16
    days on market $79,900 Active 59 DOM
  6. 2026-06-15
    days on market $79,900 Active 58 DOM
  7. 2026-06-14
    days on market $79,900 Active 56 DOM
  8. 2026-06-12
    days on market $79,900 Active 55 DOM
  9. 2026-06-09
    days on market $79,900 Active 52 DOM
  10. 2026-06-08
    days on market $79,900 Active 51 DOM
  11. 2026-06-07
    days on market $79,900 Active 50 DOM
  12. 2026-06-05
    days on market $79,900 Active 47 DOM
  13. 2026-06-03
    days on market $79,900 Active 46 DOM
  14. 2026-06-03
    price $79,900 Active 45 DOM
  15. 2026-06-02
    days on market $89,000 Active 45 DOM
  16. 2026-06-01
    days on market $89,000 Active 44 DOM
  17. 2026-05-31
    days on market $89,000 Active 43 DOM
  18. 2026-05-30
    days on market $89,000 Active 42 DOM
  19. 2026-04-22
    listed $89,000 Active 828-char remark
    Show marketing remark (828 chars)

    Located on a corner lot, this 3-bedroom, 2-bath home offers a prime opportunity for investors ready to bring their vision to life. This property is ideal for those looking to rehab and flip or create a solid long-term rental investment. Inside, you’ll find a sun-filled open living and dining area with generous space that flows into the kitchen—providing a great foundation for a functional layout. The split bedroom arrangement offers added privacy, a feature today’s buyers and tenants appreciate. An added bonus is the indoor laundry area, enhancing everyday convenience. This home is ready for its next chapter—bring the paint, the plans, and a little elbow grease to unlock its full potential. With its location, layout, and investment potential, this property is a smart addition to any portfolio.

  20. 2026-04-18
    historical 828-char remark
    Show marketing remark (828 chars)

    Located on a corner lot, this 3-bedroom, 2-bath home offers a prime opportunity for investors ready to bring their vision to life. This property is ideal for those looking to rehab and flip or create a solid long-term rental investment. Inside, you’ll find a sun-filled open living and dining area with generous space that flows into the kitchen—providing a great foundation for a functional layout. The split bedroom arrangement offers added privacy, a feature today’s buyers and tenants appreciate. An added bonus is the indoor laundry area, enhancing everyday convenience. This home is ready for its next chapter—bring the paint, the plans, and a little elbow grease to unlock its full potential. With its location, layout, and investment potential, this property is a smart addition to any portfolio.

  21. 2026-04-14
    listed $89,000 Active 828-char remark
    Show marketing remark (828 chars)

    Located on a corner lot, this 3-bedroom, 2-bath home offers a prime opportunity for investors ready to bring their vision to life. This property is ideal for those looking to rehab and flip or create a solid long-term rental investment. Inside, you’ll find a sun-filled open living and dining area with generous space that flows into the kitchen—providing a great foundation for a functional layout. The split bedroom arrangement offers added privacy, a feature today’s buyers and tenants appreciate. An added bonus is the indoor laundry area, enhancing everyday convenience. This home is ready for its next chapter—bring the paint, the plans, and a little elbow grease to unlock its full potential. With its location, layout, and investment potential, this property is a smart addition to any portfolio.

  22. 2012-11-20
    soldstatus
  23. 1995-05-18
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

  • 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 22 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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$19,190
− Mortgage interest
−$4,476
− Property taxes
−$1,198
− Insurance
−$400
− Repairs & maintenance
−$1,535
− Management
−$1,535
− Depreciation
−$2,324
Taxable income
$7,721
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,853
After-tax cash flow
$6,681/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
Kingsville ISD
NCES district ID
4825680
Math proficiency
13% ▼ -22.00%
Reading proficiency
22% ▼ -7.00%
Median HH income
$36,308
Composite
14.5/100
National rank
#9425
State rank
#800 of 826 in TX

Livability — Kingsville

Score
70/100
State rank
#364
US rank
#7787

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Kingsville, TX
County
Kleberg County · 28,920 people
City population
28,920
Metro
Kingsville, TX
Population (ZIP)
28,920
Household income
$60,574
Rent vs Own
49.3% rent · 50.7% own
Severe rent burden
1663.0

Population outlook (Kleberg County) Hauer SSP2

Today (2025)
31,615 people
By 2030
32,054 · +1.4%
By 2040
33,008 · +4.4%
By 2050
34,536 · +9.2%
By 2075
40,931 · +29.5%
By 2100
46,001 · +45.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (72%)
Race & ethnicity
Hispanic / Latino 72% Two or more races 36% White 20% Black 3% Asian 1% Native American 1%
Hispanic origin (detail)
Mexican 67%
Common ancestry
Italian 2% Slovak 1% Portuguese 1%
Foreign-born
7% · Canada, China
Languages at home
65% English-only · Spanish 32% Other Indo-European 1%

Political lean MEDSL · Kleberg

2024 margin
R (+12.7) · D 43.3% · R 56.1%
2008→2024 swing
-20.0pp toward R · 2008: 7.2pp · 2024: -12.7pp
All cycles
2024: R+12.7 2020: R+1.7 2016: D+3.7 2012: D+7.8 2008: D+7.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -87.12%
Current HPI
147.6473
Rent YoY
▲ 7.18%
Metro
Kingsville, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

+0.0% since first listed
5 events — show timeline
  • 2026-04-22 Listed $89,000 CBMLS
  • 2026-04-18 Delisted CBMLS
  • 2026-04-14 Listed $89,000 CBMLS
  • 2012-11-20 Sold (Public Records) Public Records
  • 1995-05-18 Sold (Public Records) Public Records

Property tax history

+5.1%/yr

Latest (2025): $4,314 · +15.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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