4937 Hallies Gdn · St. Hedwig, TX
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 8/10 · Major
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 22 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 80.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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 +15.9/30.0
- ARV discount +12.7/15.0
- Appreciation +5.6/10.0
- DSCR +4.9/10.0
- Schools +4.4/10.0
- 1% rule +4.0/10.0
- Condition / age +4.0/5.0
- Livability +2.5/5.0
- Rent growth +2.3/5.0
$189,495
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
Key facts
- Recently refreshed
- New carpet
- No stairs
Tags
Property features AI
Finance
- HOA & community: Mandatory HOA; HOA fee $87.50 paid quarterly; Association transfer fee $250
Exterior
- Parking: 2-car garage
- Utilities: City water/sewer
- Home design: Pre-owned single-family home; Approximately 7 years old
- Construction: Slab foundation; Composition roof; Built by Ashton Woods/Starlight
- Exterior features: Brick and siding exterior
Interior
- Kitchen: Microwave; Stove/Range; Dishwasher; Disposal
- Bedrooms: Master bedroom on lower level (13 x 14); Bedroom 2 (10 x 12); Bedroom 3 (12 x 10)
- Flooring: Carpeting; Vinyl
- Bathrooms: 2 full bathrooms; Master bathroom with shower only (9 x 6)
- Heating & cooling: Central heating (natural gas); Central air conditioning
- Interior features: Ceiling fans; Carbon monoxide detector; 1 living area
- Laundry & utility: Washer connection; Dryer connection
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $189k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $91 ($1k/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 $170k (10.1% below list).
- Recommended offer: $170k (10.1% below list) — sets the bar for 1% rule.
- Cap rate 6.9% vs local median 4.0% in St. Hedwig — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
- Schertz-Cibolo-U City ISD (suburban): math 49% / reading 48% proficiency, ranked #152 of 826 in TX (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: Rents soft (-0.9%/yr); 155 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
- This rent is only 16% of the median local income ($124k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.
Forward outlook
- In year one you build about $4k of equity ($1k loan paydown + $2k appreciation (1.2% local appreciation)).
- Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- By year 9, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 40 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts 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: 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.
Questions for the listing agent
- It's been on market 40 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 0.90% ✗
- Cap rate
- 6.87%
- Cash-on-cash
- 2.06%
- DSCR
- 1.09
- GRM
- 9.3
CMA / ARV
- ARV (on-the-fly)
- $214,347
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 5144 Morning Graze | 0.08mi | 3/2.0 | 1,211 (0%) | 2mo | $195,000 | $161 | 94 |
| 13438 Carter | 0.15mi | 3/2.0 | 1,194 (-1%) | 6mo | $205,000 | $172 | 86 |
| 13132 Thyme Way | 0.42mi | 3/2.0 | 1,211 (0%) | 13mo | $215,000 | $178 | 70 |
| 13108 Thyme Way | 0.44mi | 3/2.0 | 1,217 (+0%) | 12mo | $204,999 | $168 | 68 |
| 13127 Thyme Way | 0.46mi | 3/2.0 | 1,217 (+0%) | 13mo | $215,000 | $177 | 67 |
| 4506 Heathers Rose | 0.45mi | 3/2.0 | 1,234 (+2%) | 14mo | $228,900 | $185 | 64 |
| 4518 Heathers Cross | 0.40mi | 3/2.0 | 1,234 (+2%) | 22mo | $214,000 | $173 | 60 |
| 13108 Bay Point Way | 0.40mi | 3/2.0 | 1,330 (+10%) | 11mo | $279,990 | $211 | 56 |
| 13635 Helton Pass | 0.62mi | 3/2.0 | 1,331 (+10%) | 6mo | $279,990 | $210 | 50 |
| 5325 Cloves Cv | 0.70mi | 3/2.0 | 1,217 (+0%) | 21mo | $205,999 | $169 | 49 |
| 5341 Cloves Cv | 0.73mi | 3/2.0 | 1,217 (+0%) | 20mo | $199,999 | $164 | 48 |
| 13608 Helton Pass | 0.62mi | 4/2.0 (+1) | 1,384 (+14%) | 1mo | $284,990 | $206 | 42 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
1.24% appreciation · 0.0% rent growth · sell at horizon
- IRR
- 2.5%
- Equity multiple
- 1.12×
- Total profit
- $6,607
- Equity at exit
- $67,107
- IRR
- 5.2%
- Equity multiple
- 1.61×
- Total profit
- $32,299
- Equity at exit
- $91,078
Cash invested: $53,059 (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
ZIP-level market 78152
- Home prices YoY
- 0.4%
- Rents YoY
- -0.9%
- Active inventory
- 155
- Price-to-rent
- 9.3×
Monthly cashflow live
- Estimated rent
- $1,703 high interval (Pro) →
- Mortgage (P&I)
- −$994
- Tax from tax record
- −$153 /mo · $1,832/yr
- Insurance
- −$79
- HOA
- −$29
- Vacancy / Maint / Mgmt
- −$358
- Net cashflow
- $91
Break-even live
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
- $47,374
- Closing costs
- $5,685
- 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 35 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5135 Morning Graze Saint Hedwig, TX | 3.0 | 2.0 | 1211 | $1,575 | $1.30 | 21d | 1 | 0.08mi |
| 13505 Sunrise Mdw Saint Hedwig, TX | 3.0 | 2.0 | 1111 | $1,671 | $1.50 | 4d | 1 | 0.11mi |
| 5214 Winding Strm Saint Hedwig, TX | 3.0 | 2.0 | 1401 | $1,500 | $1.07 | 4d | 1 | 0.17mi |
| 5214 Winding Strm Saint Hedwig, TX | 3.0 | 2.0 | 1398 | $1,500 | $1.07 | 17d | 1 | 0.17mi |
| 13551 Lunar Lgt Saint Hedwig, TX | 3.0 | 2.0 | 1211 | $1,550 | $1.28 | 23d | 1 | 0.23mi |
| 13715 Summer Lgt Saint Hedwig, TX | 3.0 | 2.0 | 1401 | $1,575 | $1.12 | 2d | 1 | 0.24mi |
| 13603 Lunar Lgt Saint Hedwig, TX | 3.0 | 2.0 | 1209 | $1,475 | $1.22 | 16d | 1 | 0.25mi |
| 13603 Lunar Lgt Saint Hedwig, TX | 3.0 | 2.0 | 1200 | $1,500 | $1.25 | 23d | 1 | 0.25mi |
| 5330 Lisa Pt Converse, TX | 3.0 | 2.5 | 1250 | $1,450 | $1.16 | 1d | 1 | 0.26mi |
| 5042 Firefly Hls Saint Hedwig, TX | 3.0 | 2.0 | 1105 | $1,595 | $1.44 | 23d | 1 | 0.30mi |
| 5510 Basil Chase St Hedwig, TX | 3.0 | 2.0 | 1217 | $1,625 | $1.34 | 17d | 1 | 0.30mi |
| 5546 Basil Chase Converse, TX | 3.0 | 2.0 | 1217 | $1,829 | $1.50 | 2d | 1 | 0.32mi |
| 13714 Lunar Lgt Saint Hedwig, TX | 3.0 | 2.0 | 1412 | $1,645 | $1.17 | 4d | 1 | 0.32mi |
| 5333 Basil Chase Converse, TX | 3.0 | 2.0 | 1474 | $1,680 | $1.14 | 14d | 1 | 0.38mi |
| 13014 Rosemary Cv Saint Hedwig, TX | 3.0 | 2.0 | 1479 | $1,800 | $1.22 | 23d | 1 | 0.43mi |
| 13302 Savory Pl Converse, TX | 3.0 | 2.0 | 1217 | $1,499 | $1.23 | 12d | 1 | 0.47mi |
| 13023 Heathers Elm Saint Hedwig, TX | 3.0 | 2.0 | 1234 | $1,500 | $1.22 | 1d | 1 | 0.50mi |
| 4211 Asher Aly Saint Hedwig, TX | 3.0 | 2.0 | 1248 | $1,438 | $1.15 | 3d | 1 | 0.82mi |
| 3909 Asher Aly Saint Hedwig, TX | 3.0–4.0 | 2.0–2.5 | 1575 | $1,399 | $0.89 | 1d | 1 | 0.83mi |
| 3932 Abbott Pass Unit 102 St Hedwig, TX | 3.0 | 2.5 | 1345 | $1,495 | $1.11 | 23d | 1 | 0.84mi |
| 3936 Abbott Pass Unit 101 St Hedwig, TX | 3.0 | 2.5 | 1345 | $1,450 | $1.08 | 21d | 1 | 0.84mi |
| 3815 Abbott Pass Unit 102 St Hedwig, TX | 3.0 | 2.5 | 1345 | $1,450 | $1.08 | 43d | 1 | 0.85mi |
| 3921 Abbott Pass Unit 101 St Hedwig, TX | 3.0 | 2.5 | 1345 | $1,595 | $1.19 | 10d | 1 | 0.86mi |
| 3925 Abbott Pass Unit 101 St Hedwig, TX | 3.0 | 2.5 | 1345 | $1,450 | $1.08 | 43d | 1 | 0.86mi |
| 3933 Abbott Pass Unit 101 St Hedwig, TX | 3.0 | 2.5 | 1345 | $1,450 | $1.08 | 23d | 1 | 0.87mi |
| 3937 Abbott Pass Unit 102 St Hedwig, TX | 3.0 | 2.5 | 1345 | $1,495 | $1.11 | 43d | 1 | 0.87mi |
| 13015 Kathleen St Saint Hedwig, TX | 3.0 | 2.0 | 1235 | $1,540 | $1.25 | 21d | 1 | 0.90mi |
| 13015 Kathleen St Saint Hedwig, TX | 3.0 | 2.0 | 1235 | $1,540 | $1.25 | 23d | 1 | 0.90mi |
| 3923 Ivy Path Saint Hedwig, TX | 3.0 | 2.0 | 1445 | $1,600 | $1.11 | 23d | 1 | 0.94mi |
| 13015 Red Elks Lks Saint Hedwig, TX | 3.0 | 2.0 | 1445 | $1,650 | $1.14 | 2d | 1 | 0.94mi |
| 12932 Lake Fryer Converse, TX | 3.0 | 2.0 | 1230 | $1,200 | $0.98 | 3d | 1 | 1.10mi |
| 4918 Valenzuela Converse, TX | 3.0–4.0 | 2.0–2.5 | 1719 | $1,699 | $0.99 | 1d | 82 | 1.21mi |
| 3414 Jacobs Wls Saint Hedwig, TX | 3.0 | 2.0 | 1450 | $1,325 | $0.91 | 4d | 1 | 1.28mi |
| 12942 Deep Eddy Saint Hedwig, TX | 3.0 | 2.0 | 1129 | $1,495 | $1.32 | 43d | 1 | 1.38mi |
| 4522 Meerkat Converse, TX | 3.0 | 2.0 | 1489 | $1,750 | $1.18 | 10d | 1 | 1.42mi |
HOA detail
- Monthly dues
- $29 · $348/yr
- Likely covers
- trashgas
Listing history 29 events
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2026-06-18days on market $189,495 Active 40 DOM
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2026-06-17days on market $189,495 Active 39 DOM
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2026-06-16days on market $189,495 Active 38 DOM
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2026-06-13days on market $189,495 Active 35 DOM
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2026-06-13statusdays on market $189,495 Active 34 DOM
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2026-06-09days on market $189,495 Price Change 31 DOM
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2026-06-08days on market $189,495 Price Change 30 DOM
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2026-06-07days on market $189,495 Price Change 29 DOM
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2026-06-04days on market $189,495 Price Change 26 DOM
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2026-06-03days on market $189,495 Price Change 25 DOM
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2026-06-02days on market $189,495 Price Change 24 DOM
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2026-06-01days on market $189,495 Price Change 23 DOM
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2026-06-01pricestatus $189,495 Price Change 22 DOM
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2026-05-31days on market $189,500 Back on Market 22 DOM
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2026-05-15historical Active Option
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2026-05-08$189,500 New
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2026-03-13soldstatus Sold 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2026-02-17status Pending SB 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2026-01-30historical Active RFR 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2026-01-15status Back on Market 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2026-01-14historical Active Option 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2026-01-03price $145,000 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2025-12-16price $159,500 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2025-11-26price $169,500 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2025-10-28price $179,500 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2025-09-26price $189,500 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2025-08-26price $199,500 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2025-07-24$211,000 New 362-char remark
Show marketing remark (362 chars)
Really Nice 3 Bedroom, 2-Bathroom Home in the Extremely Desirable St. Hedwig, TX Area! The Home Comes Complete W/ Granite Countertops, Gas Stove, Microwave, Refrigerator & Garbage Disposal. Master Bath With Walk-In Shower & Walk-In Closet. Hallie's Ranch Is Minutes from Randolph AFB & the Forum Shopping Center. Schertz, Cibolo, Universal City ISD.
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2024-09-20soldstatus
ⓘ 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
- $1,832 · $153/mo
- Projected year-2 tax
- $3,468 · $289/mo
- Expected delta
- +$1,635/yr (+$136/mo · 89.2%)
ⓘ 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 ≥109°F today · 22 d/yr by 30 yrs out
- Wind 8/10 Severe 80% 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
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $20,435
- − Mortgage interest
- −$10,615
- − Property taxes
- −$1,832
- − Insurance
- −$947
- − Repairs & maintenance
- −$1,635
- − Management
- −$1,635
- − HOA
- −$348
- − Depreciation
- −$5,513
- Taxable loss
- −$2,090
- Est. tax savings @ 24.0%
- +$502
- After-tax cash flow
- $1,592/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.
Condition & rehab AI · 13 photos
This 2019-built single-story home is in good condition with fresh updates and a well-maintained exterior. It's ready for new owners and offers a great combination of comfort and functionality.
Value-add opportunities
- Both landscaping — enhances curb appeal and adds value
- Resale painting — fresh paint improves home's appearance
- Rental landscaping — attracts tenants with well-maintained exterior
Renovation cost estimate screening
Value-add ROI direction
- Both landscaping — enhances curb appeal and adds value ↑
- Resale painting — fresh paint improves home's appearance ↑
- Rental landscaping — attracts tenants with well-maintained exterior ↑
ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.
Schools (NCES district)
- District
- Schertz-Cibolo-U City ISD
- NCES district ID
- 4839480
- Math proficiency
- 49% ▼ -12.00%
- Reading proficiency
- 48% ▼ -4.00%
- Median HH income
- $75,790
- Composite
- 44.02/100
- National rank
- #2886
- State rank
- #152 of 826 in TX
Livability — St. Hedwig
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- County
- Bexar County · 1,990,555 people
- City population
- 3,958
- Metro
- San Antonio-New Braunfels, TX
- Population (ZIP)
- 4,521
- Household income
- $123,981
- Rent vs Own
- Severe rent burden
- 27.0
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 0.58)
- Race & ethnicity
- White 56% Hispanic / Latino 31% Two or more races 21% Black 4%
- Hispanic origin (detail)
- Mexican 23% Puerto Rican 1%
- Common ancestry
- Romanian 17% Lithuanian 2% Slovak 2%
- Foreign-born
- 8% · Canada
- Languages at home
- 89% English-only · Spanish 10% Tagalog/Filipino 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
- ▲ 1.24%
- Current HPI
- 328.7859
- Rent YoY
- ▼ -0.90%
- 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 |
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| Technology | 5 | $198B |
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| Engineering / Construction | 4 | $72B |
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| Energy Services | 3 | $60B |
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| Utilities | 3 | $41B |
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| Healthcare | 2 | $330B |
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Price history
-10.2% since first listed15 events — show timeline
- 2026-05-15 Contingent — LERA
- 2026-05-08 Listed $189,500 LERA
- 2026-03-13 Sold (MLS) — LERA
- 2026-02-17 Pending — LERA
- 2026-01-30 Contingent — LERA
- 2026-01-15 Relisted — LERA
- 2026-01-14 Contingent — LERA
- 2026-01-03 Price Changed $145,000 LERA
- 2025-12-16 Price Changed $159,500 LERA
- 2025-11-26 Price Changed $169,500 LERA
- 2025-10-28 Price Changed $179,500 LERA
- 2025-09-26 Price Changed $189,500 LERA
- 2025-08-26 Price Changed $199,500 LERA
- 2025-07-24 Listed $211,000 LERA
- 2024-09-20 Sold (Public Records) — Public Records
Property tax history
-13.2%/yrLatest (2025): $1,832 · -57.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…