502 W 4th St · Taylor, TX 76574

$141,000

2 bd · 1.0 ba · 1,148 sqft · SingleFamily public records · 50 Days on market

Built 1925 7,013 sqft lot $123/sqft · 48% below area Est $272k · 48% 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 +18.4/30.0
• ARV discount +15.0/15.0
• 1% rule +5.9/10.0
• DSCR +5.8/10.0
• Livability +3.6/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 1925 home full of character and classic details in the heart of Taylor. This 2-bedroom, 1-bath residence offers 1,148 sq ft of living space and features beautiful redwood flooring throughout, giving the home warmth and timeless appeal. The bathroom was recently updated with a walk-in shower installed in January 2024. Enjoy relaxing outdoors on the spacious front porch and wraparound porch, both recently rebuilt with all new wood. The home also features central AC installed in 2020 with a new condenser for added comfort. The kitchen includes a newer Samsung gas stove and dishwasher that will convey with the property. Situated on a 7,013 sq ft lot, this property blends historic charm with recent improvements and offers a wonderful opportunity to own a classic Taylor home with inviting outdoor spaces and vintage character. Property sold as-is, perfect opportunity to renovate

Key facts

• Central ac
• Spacious front porch
• Walk-in shower

Tags

• REDWOOD FLOORING
• WALK-IN SHOWER
• SPACIOUS FRONT PORCH
• WRAPAROUND PORCH
• CENTRAL AC
• NEWER SAMSUNG GAS STOVE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $141k.

Deal economics

• At list price, monthly cash flow is $132 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $141k).
• Recommended offer: $137k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.4% vs local median 4.3% in Taylor — 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 71/100 on livability (#312 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, schools D-, amenities F.
• Taylor ISD (town): math 20% / reading 27% proficiency, ranked #726 of 826 in TX (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 314 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 7,543 units permitted in Williamson County in 2024 (1,425 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $975 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Williamson County population projected at +69% 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 ($137k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 24y ago; this cycle's ask has dropped $39k (22%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,770 (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 1925 — 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. 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. 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: 1.09% ✓
• Cap rate: 7.42%
• Cash-on-cash: 4.02%
• DSCR: 1.18
• GRM: 7.6

CMA / ARV

• ARV (median comp): $272,444
• List price: $141,000
• Delta: -48.25%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
502 W 4th St	0.00mi	2/1.0	1,148 (0%)	0mo	$141,000	$123	100
401 Shaw St	0.25mi	2/1.0	1,168 (+2%)	9mo	$200,000	$171	78
609 W 6th St	0.13mi	2/1.0	1,167 (+2%)	18mo	$215,000	$184	76
910 W 4th St	0.29mi	3/2.0 (+1)	1,201 (+5%)	1mo	$299,900	$250	69
1012 W 6th St	0.41mi	2/1.5	1,216 (+6%)	3mo	$235,000	$193	67
1004 W 5th St	0.38mi	3/2.0 (+1)	1,127 (-2%)	6mo	$274,900	$244	65
818 Kimbro St	0.41mi	2/1.0	1,100 (-4%)	11mo	$219,000	$199	65
402 E 4th St	0.50mi	2/1.0	1,088 (-5%)	16mo	$390,000	$358	55
611 Maple St	0.60mi	3/2.0 (+1)	1,048 (-9%)	4mo	$120,000	$115	45
816 Lizzie St	0.69mi	2/1.5	1,088 (-5%)	24mo	$210,000	$193	37
216 Lizzie St	0.68mi	3/2.0 (+1)	1,257 (+10%)	11mo	$254,900	$203	35
1312 Kimbro St	0.69mi	3/2.0 (+1)	1,232 (+7%)	15mo	$310,000	$252	34

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 · 0.43% rent growth · sell at horizon

5-year hold

• IRR: -13.2%
• Equity multiple: 0.54×
• Total profit: $-18,205
• Equity at exit: $21,024

10-year hold

• IRR: -9.3%
• Equity multiple: 0.50×
• Total profit: $-19,748
• Equity at exit: $12,191

Cash invested: $39,480 (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 76574

• Home prices YoY: -32.3%
• Rents YoY: 0.4%
• Active inventory: 314
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,538 high
• Mortgage (P&I): −$739
• Tax from tax record: −$285 /mo · $3,417/yr
• Insurance: −$59
• HOA: −$0
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $132

Break-even live

Break-even rent $1,371

Max offer price $141,000

Occupancy floor 86%

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: $35,250
• Closing costs: $4,230
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
604 W 4th St Taylor, TX	2.0	1.0	946	$1,295	$1.37	43d	1	0.10mi
606 W 4th St Taylor, TX	2.0	1.0	946	$1,295	$1.37	43d	1	0.11mi
415 N Doak St Taylor, TX	2.0	1.0	880	$1,400	$1.59	43d	1	0.15mi
719 W 3rd St Taylor, TX	2.0	1.0	966	$1,750	$1.81	17d	1	0.23mi
600 Kimbro St Taylor, TX	3.0	2.5	1480	$2,250	$1.52	24d	1	0.23mi
401 Shaw St Taylor, TX	2.0	1.0	1168	$1,650	$1.41	17d	1	0.28mi
109 N Main St Unit A Taylor, TX	2.0	1.0	1495	$1,750	$1.17	2d	1	0.32mi
102 E 2nd St Unit 203 Taylor, TX	1.0	1.0	1000	$1,600	$1.60	1d	1	0.33mi
806 W 8th St Taylor, TX	3.0	1.0	892	$1,600	$1.79	43d	1	0.35mi
400 Symes St Unit A Taylor, TX	2.0	1.0	784	$1,150	$1.47	4d	1	0.47mi
1117 W 4th St Taylor, TX	3.0	2.0	1334	$1,400	$1.05	17d	1	0.51mi
412 Booth St Unit A Taylor, TX	2.0	2.0	837	$1,395	$1.67	43d	1	0.59mi
610 Vernon St Unit Labs Taylor, TX	2.0	1.0	960	$1,550	$1.61	17d	1	0.63mi
410 Old Thorndale Rd Unit C Taylor, TX	1.0	1.0	800	$850	$1.06	22d	1	0.76mi
210 W Lake Dr Taylor, TX	2.0	1.5	1057	$1,450	$1.37	43d	1	0.82mi
2002 W 2nd St Unit 802 Taylor, TX	2.0	1.0	720	$1,100	$1.53	43d	1	1.05mi
350 Debus Dr Unit 121A Taylor, TX	3.0	2.0	1008	$1,795	$1.78	43d	1	1.10mi
350 Debus Dr Unit 204A Taylor, TX	2.0	2.0	952	$1,575	$1.65	22d	1	1.10mi
230 Debus Dr Taylor, TX	2.0	2.0	882	$1,350	$1.53	7d	1	1.10mi
230 Debus Dr Unit 100B Taylor, TX	3.0	2.0	1008	$1,723	$1.71	22d	1	1.10mi
2800 Bull Run Taylor, TX	1.0	1.0	700	$875	$1.25	20d	1	1.41mi
2800 Bull Run Unit 704 Taylor, TX	1.0	1.0	700	$875	$1.25	24d	1	1.41mi
2805 Davis St Unit A Taylor, TX	2.0	1.0	996	$1,500	$1.51	1d	1	1.43mi
2806 Bull Run Unit D Taylor, TX	2.0	2.0	864	$1,301	$1.51	24d	1	1.47mi
2806 Bull Run Taylor, TX	2.0	2.0	864	$1,295	$1.50	24d	1	1.47mi

Listing history 10 events

1. 2026-05-07
   status Pending 894-char remark

   Show marketing remark (894 chars)

   Charming 1925 home full of character and classic details in the heart of Taylor. This 2-bedroom, 1-bath residence offers 1,148 sq ft of living space and features beautiful redwood flooring throughout, giving the home warmth and timeless appeal. The bathroom was recently updated with a walk-in shower installed in January 2024. Enjoy relaxing outdoors on the spacious front porch and wraparound porch, both recently rebuilt with all new wood. The home also features central AC installed in 2020 with a new condenser for added comfort. The kitchen includes a newer Samsung gas stove and dishwasher that will convey with the property. Situated on a 7,013 sq ft lot, this property blends historic charm with recent improvements and offers a wonderful opportunity to own a classic Taylor home with inviting outdoor spaces and vintage character. Property sold as-is, perfect opportunity to renovate

2. 2026-04-21
   price $141,000 894-char remark

   Show marketing remark (894 chars)

   Charming 1925 home full of character and classic details in the heart of Taylor. This 2-bedroom, 1-bath residence offers 1,148 sq ft of living space and features beautiful redwood flooring throughout, giving the home warmth and timeless appeal. The bathroom was recently updated with a walk-in shower installed in January 2024. Enjoy relaxing outdoors on the spacious front porch and wraparound porch, both recently rebuilt with all new wood. The home also features central AC installed in 2020 with a new condenser for added comfort. The kitchen includes a newer Samsung gas stove and dishwasher that will convey with the property. Situated on a 7,013 sq ft lot, this property blends historic charm with recent improvements and offers a wonderful opportunity to own a classic Taylor home with inviting outdoor spaces and vintage character. Property sold as-is, perfect opportunity to renovate

3. 2026-04-06
   price $149,900 894-char remark

   Show marketing remark (894 chars)

   Charming 1925 home full of character and classic details in the heart of Taylor. This 2-bedroom, 1-bath residence offers 1,148 sq ft of living space and features beautiful redwood flooring throughout, giving the home warmth and timeless appeal. The bathroom was recently updated with a walk-in shower installed in January 2024. Enjoy relaxing outdoors on the spacious front porch and wraparound porch, both recently rebuilt with all new wood. The home also features central AC installed in 2020 with a new condenser for added comfort. The kitchen includes a newer Samsung gas stove and dishwasher that will convey with the property. Situated on a 7,013 sq ft lot, this property blends historic charm with recent improvements and offers a wonderful opportunity to own a classic Taylor home with inviting outdoor spaces and vintage character. Property sold as-is, perfect opportunity to renovate

4. 2026-03-23
   price $164,900 894-char remark

   Show marketing remark (894 chars)

   Charming 1925 home full of character and classic details in the heart of Taylor. This 2-bedroom, 1-bath residence offers 1,148 sq ft of living space and features beautiful redwood flooring throughout, giving the home warmth and timeless appeal. The bathroom was recently updated with a walk-in shower installed in January 2024. Enjoy relaxing outdoors on the spacious front porch and wraparound porch, both recently rebuilt with all new wood. The home also features central AC installed in 2020 with a new condenser for added comfort. The kitchen includes a newer Samsung gas stove and dishwasher that will convey with the property. Situated on a 7,013 sq ft lot, this property blends historic charm with recent improvements and offers a wonderful opportunity to own a classic Taylor home with inviting outdoor spaces and vintage character. Property sold as-is, perfect opportunity to renovate

5. 2026-03-18
   listed $179,900 Active 894-char remark

   Show marketing remark (894 chars)

   Charming 1925 home full of character and classic details in the heart of Taylor. This 2-bedroom, 1-bath residence offers 1,148 sq ft of living space and features beautiful redwood flooring throughout, giving the home warmth and timeless appeal. The bathroom was recently updated with a walk-in shower installed in January 2024. Enjoy relaxing outdoors on the spacious front porch and wraparound porch, both recently rebuilt with all new wood. The home also features central AC installed in 2020 with a new condenser for added comfort. The kitchen includes a newer Samsung gas stove and dishwasher that will convey with the property. Situated on a 7,013 sq ft lot, this property blends historic charm with recent improvements and offers a wonderful opportunity to own a classic Taylor home with inviting outdoor spaces and vintage character. Property sold as-is, perfect opportunity to renovate

6. 2005-11-07
   soldstatus
7. 2002-07-01
   soldstatus 17-char remark

   Show marketing remark (17 chars)

   Restrictions: Yes

8. 2002-05-20
   historical 17-char remark

   Show marketing remark (17 chars)

   Restrictions: Yes

9. 2002-02-19
   listed $89,000 17-char remark

   Show marketing remark (17 chars)

   Restrictions: Yes

10. 1999-03-12
    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: $3,417 · $285/mo
• Projected year-2 tax: $3,417 · $285/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 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: $18,461
• − Mortgage interest: −$7,898
• − Property taxes: −$3,417
• − Insurance: −$705
• − Repairs & maintenance: −$1,477
• − Management: −$1,477
• − Depreciation: −$4,102
• Taxable loss: −$615
• Est. tax savings @ 24.0%: +$148
• After-tax cash flow: $1,736/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: Taylor ISD
• NCES district ID: 4842280
• Math proficiency: 20% ▼ -15.00%
• Reading proficiency: 27% ▼ -11.00%
• Median HH income: $45,330
• Composite: 20.35/100
• National rank: #8606
• State rank: #726 of 826 in TX

Livability — Taylor

• Score: 71/100
• State rank: #312
• US rank: #7013

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Taylor, TX
• County: Williamson County · 680,029 people
• City population: 20,242
• Metro: Austin-Round Rock-Georgetown, TX
• Population (ZIP): 20,242
• Household income: $78,568
• Rent vs Own: 23.4% rent · 76.6% own
• Severe rent burden: 371.0

Population outlook (Williamson County) Hauer SSP2

• Today (2025): 699,027 people
• By 2030: 795,537 · +13.8%
• By 2040: 990,683 · +41.7%
• By 2050: 1,184,292 · +69.4%
• By 2075: 1,623,825 · +132.3%
• By 2100: 1,924,153 · +175.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 50% Hispanic / Latino 42% Two or more races 22% Black 5%
• Hispanic origin (detail): Mexican 37%
• Common ancestry: Romanian 2% Italian 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 74% English-only · Spanish 23% Russian/Polish/Slavic 1%

Political lean MEDSL · Williamson

• 2024 margin: Toss-up / Even · D 48.0% · R 50.4% · Other 1.6%
• 2008→2024 swing: +10.6pp toward D · 2008: -13.0pp · 2024: -2.5pp
• All cycles: 2024: R+2.5 2020: D+1.4 2016: R+9.9 2012: R+21.5 2008: R+13.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -108.71%
• Current HPI: 227.58
• Rent YoY: ▲ 0.43%
• Metro: Austin-Round Rock-Georgetown, 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

+58.4% since first listed

10 events — show timeline

• 2026-05-07 Pending — Unlock MLS
• 2026-04-21 Price Changed $141,000 Unlock MLS
• 2026-04-06 Price Changed $149,900 Unlock MLS
• 2026-03-23 Price Changed $164,900 Unlock MLS
• 2026-03-18 Listed $179,900 Unlock MLS
• 2005-11-07 Sold (Public Records) — Public Records
• 2002-07-01 Sold (MLS) — Unlock MLS
• 2002-05-20 Delisted — Unlock MLS
• 2002-02-19 Listed $89,000 Unlock MLS
• 1999-03-12 Sold (Public Records) — Public Records

Property tax history

+2.6%/yr

Latest (2026): $3,417 · -15.1% YoY. Source: county tax records.