11834 Groundhog Rd · Holly Lake Ranch, TX 75644

$219,900

3 bd · 1.0 ba · 1,072 sqft · SingleFamily public records · 165 Days on market

Built 1990 4.99 ac lot $205/sqft · 8% below area Est $246k · 11% under ↓ 8% since listing

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Why this score? — see what drove the D 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 +12.3/15.0
• Appreciation +10.0/10.0
• Cash flow +6.4/30.0
• Schools +4.0/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +0.9/10.0
• DSCR +0.7/10.0

Listing remarks MLS

PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

Key facts

• New carpet
• 4.995 acres
• Updated home

Tags

• UPDATED HOME
• 4.995 ACRES
• NEW WINDOWS
• GRANITE KITCHEN COUNTER
• TONGUE-AND-GROOVE FLOORING
• NEW CARPET

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $-383 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $152k (30.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $129k (41.5% below list).
• Recommended offer: $129k (41.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#597 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
• Harmony ISD (rural): math 48% / reading 47% proficiency, ranked #224 of 826 in TX (top 27%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Harmony El (math 52% / reading 47%, grade D, #865 of 4,322 statewide, top 21%, 313 students, 62% FRL); Harmony J H (math 45% / reading 43%, grade D, #512 of 1,662 statewide, top 32%, 258 students, 46% FRL); Harmony H S (math 37% / reading 57%, grade D-, #591 of 1,632 statewide, top 38%, 282 students, 53% FRL).
• Market conditions: 209 active listings in the ZIP; 34 units permitted in Upshur County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $24k of equity ($2k loan paydown + $22k appreciation (10.0% local appreciation)).
• Upshur County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 165 days — a 12% lower offer ($194k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $20k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 43% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $128,654 (41.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 165 days. Have you received any prior offers? Is the seller open to a 41% concession, seller financing, or rate buy-down credit?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.59% ✗
• Cap rate: 4.20%
• Cash-on-cash: -7.46%
• DSCR: 0.67
• GRM: 14.2

CMA / ARV

• ARV (median comp): $245,855
• List price: $219,900
• Delta: -10.56%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.0%
• Equity multiple: 2.55×
• Total profit: $95,325
• Equity at exit: $198,103

10-year hold

• IRR: 17.6%
• Equity multiple: 5.87×
• Total profit: $299,783
• Equity at exit: $427,217

Cash invested: $61,572 (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 75644

• Home prices YoY: 10.0%
• Active inventory: 209
• Price-to-rent: 14.2×

Monthly cashflow live

• Estimated rent: $1,287 medium
• Mortgage (P&I): −$1,153
• Tax from tax record: −$154 /mo · $1,853/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$270
• Net cashflow: $-383

Break-even live

Break-even rent $1,771

Max offer price $152,268

Occupancy floor —

Sensitivity live

Price	-10% $-258	-5% $-321	+0% $-383	+5% $-445	+10% $-507
Rent	-10% $-484	-5% $-434	+0% $-383	+5% $-332	+10% $-281
Rate	-1.0pp $-272	-0.5pp $-327	base $-383	+0.5pp $-440	+1.0pp $-498

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: $54,975
• Closing costs: $6,597
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-05-16
   status Pending 1343-char remark

   Show marketing remark (1343 chars)

   Take a look at THE PRICE IMPROVEMENT ON this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq.ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home ismove in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

2. 2026-05-16
   historical Active Option Contract 1343-char remark

   Show marketing remark (1343 chars)

   Take a look at THE PRICE IMPROVEMENT ON this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq.ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home ismove in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

3. 2026-05-04
   price $219,900 1343-char remark

   Show marketing remark (1343 chars)

   PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

4. 2026-05-04
   price $219,900

   Show marketing remark (1343 chars)

   PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

5. 2026-05-04
   price $219,900 1343-char remark

   Show marketing remark (1343 chars)

   PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

6. 2026-03-04
   price $224,900 1343-char remark

   Show marketing remark (1343 chars)

   PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

7. 2026-03-04
   price $224,900

   Show marketing remark (1343 chars)

   PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

8. 2026-03-04
   price $224,900 1343-char remark

   Show marketing remark (1343 chars)

   PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

9. 2026-02-19
   price $228,900 1343-char remark

   Show marketing remark (1343 chars)

   PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

10. 2026-02-19
    price $228,900

    Show marketing remark (1343 chars)

    PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

11. 2026-02-19
    price $228,900 1343-char remark

    Show marketing remark (1343 chars)

    PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

12. 2026-01-15
    price $229,900 1343-char remark

    Show marketing remark (1343 chars)

    PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

13. 2026-01-15
    price $229,900

    Show marketing remark (1343 chars)

    PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

14. 2026-01-15
    price $229,900 1343-char remark

    Show marketing remark (1343 chars)

    PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

15. 2025-12-08
    listed $239,900 Active
16. 2025-12-07
    listed $239,900 Active 1343-char remark

    Show marketing remark (1343 chars)

    PRICE IMPROVEMENT! Take a look at this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq. ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home is move in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features 2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

17. 2025-12-06
    listed $239,900 Active 1343-char remark

    Show marketing remark (1343 chars)

    Take a look at THE PRICE IMPROVEMENT ON this charming updated home on 4.995 Acres in Gilmer, TX and in Harmony ISD! Discover the perfect blend of comfort, privacy, and practical updates in this newly refreshed 3-bedroom, 2-bathroom home offering approximately 1,100 sq.ft. of living space. Nestled on 4.995 lightly wooded acres, this property provides room to roam while remaining convenient to Gilmer’s amenities. Step inside to find a bright, inviting interior featuring fresh paint, new windows, granite kitchen counter, tongue-and-groove flooring, and new carpet. Roof is only 2 years old and there is a brand new survey on file! The home ismove in ready and offers peaceful views of nature from the newly built oversized decks on both the front and back of the home. The outdoor deck space is perfect for morning coffee, outdoor dining, or simply unwinding. The acreage surrounding the home is fenced on three sides and offers a great balance of open area and shade from mature trees. A workshop and storage building provide excellent space for projects, equipment, or hobbies. Home is on community water but also features2 shallow wells for watering livestock or keeping the landscape maintained. Whether you’re seeking a quiet country retreat, a homestead, or room for outdoor recreation, this Gilmer property is a must-see!

18. 2017-06-22
    soldstatus
19. 2012-11-29
    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: $1,853 · $154/mo
• Projected year-2 tax: $4,024 · $335/mo
• Expected delta: +$2,171/yr (+$181/mo · 117.2%)

ⓘ 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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 25 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 43% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,438
• − Mortgage interest: −$12,318
• − Property taxes: −$1,853
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,235
• − Management: −$1,235
• − Depreciation: −$6,397
• Taxable loss: −$8,699
• Est. tax savings @ 24.0%: +$2,088
• After-tax cash flow: $-2,506/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: Harmony ISD
• NCES district ID: 4822560
• Math proficiency: 48% ▲ 2.00%
• Reading proficiency: 47% ▼ -4.00%
• Median HH income: $47,303
• Composite: 40.47/100
• National rank: #3721
• State rank: #224 of 826 in TX

Livability — Holly Lake Ranch

• Score: 66/100
• State rank: #597
• US rank: #11377

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 12,785

Population outlook (Upshur County) Hauer SSP2

• Today (2025): 42,771 people
• By 2030: 43,788 · +2.4%
• By 2040: 45,574 · +6.6%
• By 2050: 46,683 · +9.1%
• By 2075: 49,137 · +14.9%
• By 2100: 47,457 · +11.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Black 11% Hispanic / Latino 10% Two or more races 10%
• Hispanic origin (detail): Mexican 10%
• Common ancestry: Serbian 4% Slovak 2% Lithuanian 2%
• Foreign-born: 2% · Canada, Philippines
• Languages at home: 95% English-only · Spanish 4% Chinese 1%

Political lean MEDSL · Upshur

• 2024 margin: Solid R (+71.0) · D 14.2% · R 85.2%
• 2008→2024 swing: -22.0pp toward R · 2008: -49.0pp · 2024: -71.0pp
• All cycles: 2024: R+71.0 2020: R+68.5 2016: R+68.0 2012: R+59.8 2008: R+49.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 27.46%
• Current HPI: 300.86
• Rent YoY: —
• Metro: —
• 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

-8.3% since first listed

19 events — show timeline

• 2026-05-16 Pending — GTAR
• 2026-05-16 Contingent — NTREIS
• 2026-05-04 Price Changed $219,900 NTREIS
• 2026-05-04 Price Changed $219,900 LAAR
• 2026-05-04 Price Changed $219,900 GTAR
• 2026-03-04 Price Changed $224,900 NTREIS
• 2026-03-04 Price Changed $224,900 LAAR
• 2026-03-04 Price Changed $224,900 GTAR
• 2026-02-19 Price Changed $228,900 NTREIS
• 2026-02-19 Price Changed $228,900 LAAR
• 2026-02-19 Price Changed $228,900 GTAR
• 2026-01-15 Price Changed $229,900 NTREIS
• 2026-01-15 Price Changed $229,900 LAAR
• 2026-01-15 Price Changed $229,900 GTAR
• 2025-12-08 Listed $239,900 LAAR
• 2025-12-07 Listed $239,900 GTAR
• 2025-12-06 Listed $239,900 NTREIS
• 2017-06-22 Sold (Public Records) — Public Records
• 2012-11-29 Sold (Public Records) — Public Records

Property tax history

+7.8%/yr

Latest (2025): $1,853 · +4.1% YoY. Source: county tax records.