14225 Jersey Cow · San Antonio, TX 78252

$249,999

4 bd · 2.5 ba · 1,950 sqft · SingleFamily public records · 46 Days on market

Built 2023 3,920 sqft lot $128/sqft · at area comps Est $254k · at est. $64/mo HOA · 3% of rent ↓ 9% 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).

• Cash flow +8.8/30.0
• ARV discount +8.3/15.0
• Appreciation +5.0/10.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• 1% rule +2.3/10.0
• Rent growth +2.1/5.0

Listing remarks

Sellers willing to assist with closing costs! Take advantage of an incredible financial opportunity with a VA assumable loan available for qualified buyer with entitlement-a rare find in today's market! This home is also USDA loan eligible- meaning you could purchase with nothing down! This stunning 4-bedroom, 2.5-bathroom residence in the highly sought-after Silos Community offers a perfect blend of modern luxury and unparalleled neighborhood convenience. The open layout, first floor features a kitchen with a premium gas cooktop and fridge that conveys with the home. The dining area flows seamlessly into the living area with a modern half bath for convenience. Upstairs you will find a l

Key facts

• 3,920 sq ft lot
• 2 garage spots
• Community pool

Property features AI

Finance

• Other: Subdivision: SILOS UNIT #1; Possession at closing/funding
• HOA & community: Mandatory HOA; HOA fee $765 annually; Association transfer fee $375

Exterior

• Parking: Attached 2-car garage
• Utilities: City water and sewer
• Home design: Pre-owned single-family home built by Lennar (approximately 3 years old); Slab foundation; Composition roof
• Construction: Built by Lennar; Siding exterior; Composition roof; Slab foundation; Approximately 3 years old
• Exterior features: Siding exterior; Street paved with curbs, gutters and sidewalks; Streetlights; Community pool, clubhouse, park/playground, BBQ/grill

Interior

• Kitchen: Gas cooking; Stove/Range; Microwave; Refrigerator; Dishwasher; Disposal
• Bedrooms: Master bedroom on upper level with walk-in closet and full bath (16 x 12); Bedroom 2 (12 x 10); Bedroom 3 (12 x 12); Bedroom 4 (12 x 12)
• Flooring: Carpeting; Vinyl flooring
• Bathrooms: Two full bathrooms and one half bath; Master bathroom with tub/shower combination and single vanity (14 x 8)
• Heating & cooling: Central heating (natural gas); Central air conditioning
• Interior features: Ceiling fans; Open floor plan with high ceilings; Two living areas; Separate dining room; Loft (2nd level); Utility room inside; All bedrooms on upper level; Walk-in closets; Laundry on upper level; Attic with pull-down stairs and storage; Cable TV available; High-speed internet available; Some window coverings remain; Solid countertops; Smoke alarm; Vent fan
• Laundry & utility: Washer connection; Dryer connection; Laundry located on upper level

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $-206 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $214k (14.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $183k (26.8% below list).
• Recommended offer: $183k (26.8% below list) — sets the bar for 1% rule.
• Cap rate 5.3% vs local median 3.8% in San Antonio — 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 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F.
• Medina Valley ISD (rural): math 48% / reading 53% proficiency, ranked #148 of 826 in TX (top 18%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Lacoste El (math 38% / reading 42%, grade F, #1,514 of 4,322 statewide, top 36%, 744 students, 69% FRL); Medina Valley Middle (math 47% / reading 49%, grade C-, #400 of 1,662 statewide, top 24%, 1,029 students, 62% FRL); Medina Valley H S (math 34% / reading 55%, grade F, #652 of 1,632 statewide, top 43%, 2,147 students, 51% FRL).
• Market conditions: Rents soft (-1.7%/yr); 555 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($2k loan paydown + $-4 appreciation (-0.0% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 46 days — a 3% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 2 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; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $182,946 (26.8% 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 46 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 0.73% ✗
• Cap rate: 5.30%
• Cash-on-cash: -3.53%
• DSCR: 0.84
• GRM: 11.4

CMA / ARV

• ARV (median comp): $254,309
• List price: $249,999
• Delta: -1.69%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7306 King Bnd	0.36mi	4/3.0	1,912 (-2%)	3mo	$318,990	$167	75
7242 King Bnd	0.42mi	4/3.0	1,912 (-2%)	1mo	$326,990	$171	74
7231 King Bnd	0.45mi	4/3.0	1,912 (-2%)	2mo	$321,990	$168	72
7715 Fox Xing	0.43mi	4/2.5	2,121 (+9%)	2mo	$307,990	$145	64
7714 Fox Xing	0.43mi	3/2.5 (-1)	1,826 (-6%)	2mo	$289,990	$159	63
7727 Fox Xing	0.45mi	4/2.5	2,121 (+9%)	2mo	$306,990	$145	63
7704 Fern Pass	0.43mi	3/2.5 (-1)	1,826 (-6%)	3mo	$287,990	$158	62
13811 Buffalo Vly	0.66mi	4/2.5	1,867 (-4%)	1mo	$249,999	$134	62
7738 Fox Xing	0.48mi	4/2.5	2,121 (+9%)	3mo	$289,990	$137	61
7018 Sycamore Pass	0.66mi	4/2.5	2,206 (+13%)	1mo	$369,990	$168	46
13774 Birch Xing	0.62mi	3/2.5 (-1)	2,209 (+13%)	1mo	$329,990	$149	43
13714 Birch Xing	0.70mi	3/2.5 (-1)	1,689 (-13%)	3mo	$319,990	$189	38

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -8.0%
• Equity multiple: 0.63×
• Total profit: $-25,834
• Equity at exit: $72,570

10-year hold

• IRR: -3.9%
• Equity multiple: 0.61×
• Total profit: $-27,414
• Equity at exit: $87,214

Cash invested: $70,000 (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 78252

• Home prices YoY: -0.0%
• Rents YoY: -1.7%
• Active inventory: 555
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $1,829 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$172 /mo · $2,065/yr
• Insurance: −$104
• HOA: −$64
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $-206

Break-even live

Break-even rent $2,090

Max offer price $213,611

Occupancy floor —

Sensitivity live

Price	-10% $-64	-5% $-135	+0% $-206	+5% $-277	+10% $-348
Rent	-10% $-351	-5% $-278	+0% $-206	+5% $-134	+10% $-61
Rate	-1.0pp $-80	-0.5pp $-142	base $-206	+0.5pp $-271	+1.0pp $-337

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7216 Pasture Run San Antonio, TX	4.0	2.0	1647	$1,525	$0.93	6d	1	0.07mi
7218 Duck Pond San Antonio, TX	4.0	2.0	1492	$1,575	$1.06	23d	1	0.10mi
7231 Duck Pond San Antonio, TX	4.0	2.0	1492	$1,750	$1.17	6d	1	0.11mi
7218 Ox Pl San Antonio, TX	4.0	2.0	1492	$1,495	$1.00	4d	1	0.13mi
7218 Ox Pl San Antonio, TX	4.0	2.0	1492	$1,495	$1.00	23d	1	0.13mi
7247 Ox Pl San Antonio, TX	3.0	2.0	1300	$1,800	$1.38	6d	1	0.16mi
13942 Bull Cv San Antonio, TX	4.0	2.5	1950	$2,200	$1.13	45d	1	0.20mi
14234 Llama Pl San Antonio, TX	3.0	2.0	1244	$1,500	$1.21	45d	1	0.21mi
13922 Wool Park San Antonio, TX	3.0	2.0	1416	$1,450	$1.02	25d	1	0.21mi
7258 Plow Run San Antonio, TX	3.0	2.0	1300	$1,575	$1.21	45d	1	0.22mi
7258 Plow Run San Antonio, TX	3.0	2.0	1300	$1,475	$1.13	25d	1	0.22mi
14010 Wool Park San Antonio, TX	4.0	2.5	1950	$1,850	$0.95	19d	1	0.24mi
7415 Donkey Vly San Antonio, TX	3.0	2.0	1225	$1,500	$1.22	45d	1	0.24mi
14007 Wool Park San Antonio, TX	4.0	2.5	1950	$1,599	$0.82	45d	1	0.25mi
13802 Ostrich Run San Antonio, TX	3.0	2.0	1300	$1,600	$1.23	19d	1	0.33mi
6741 Hatchery Way San Antonio, TX	3.0	2.0	1675	$1,811	$1.08	45d	1	0.34mi
6738 Hatchery Way San Antonio, TX	3.0	2.0	1459	$1,585	$1.09	45d	1	0.37mi
7226 Cultivator Way San Antonio, TX	3.0	2.0	1300	$1,497	$1.15	25d	1	0.37mi
6734 Hatchery Way San Antonio, TX	3.0	2.0	1675	$1,741	$1.04	45d	1	0.37mi
6728 Beehive Dr San Antonio, TX	3.0	2.0	1675	$1,596	$0.95	14d	1	0.38mi
6711 Hatchery Way San Antonio, TX	3.0	2.0	1459	$1,606	$1.10	14d	1	0.39mi
6683 Arid Way San Antonio, TX	3.0	2.0	1440	$1,475	$1.02	0d	1	0.41mi
7371 Cultivator Way San Antonio, TX	4.0	2.0	1880	$1,495	$0.80	25d	1	0.41mi
6743 Arid Way San Antonio, TX	3.0	2.0	1910	$1,921	$1.01	45d	1	0.42mi
13930 Silos Mdws San Antonio, TX	4.0	2.0	1616	$1,650	$1.02	14d	1	0.43mi
6638 Arid Way San Antonio, TX	4.0	2.0	1627	$1,479	$0.91	6d	1	0.48mi
6612 Arid Way San Antonio, TX	4.0	2.0	1627	$1,895	$1.16	0d	1	0.52mi
6603 Arid Way San Antonio, TX	3.0	2.0	1440	$1,506	$1.05	45d	1	0.54mi
6432 Pickaxe Way San Antonio, TX	3.0	2.0	1266	$1,351	$1.07	25d	1	0.57mi
6432 Pickaxe Way San Antonio, TX	3.0	2.0	1276	$1,285	$1.01	19d	1	0.57mi
6524 Arid Way San Antonio, TX	4.0	2.0	1657	$1,556	$0.94	25d	1	0.57mi
6515 Scarecrow Way San Antonio, TX	4.0	2.0	1627	$1,565	$0.96	25d	1	0.59mi
6512 Arid Way San Antonio, TX	4.0	2.0	1687	$1,671	$0.99	25d	1	0.60mi
6511 Arid Way San Antonio, TX	4.0	2.5	1687	$1,650	$0.98	0d	1	0.60mi
7063 Sycamore Pass San Antonio, TX	4.0	2.0	1866	$1,950	$1.05	22d	1	0.70mi
6623 Whisper Pond San Antonio, TX	4.0	2.5	2243	$1,950	$0.87	19d	1	0.74mi
6623 Whisper Pond San Antonio, TX	4.0	2.5	2252	$1,950	$0.87	45d	1	0.74mi
6814 Rondo Measure San Antonio, TX	4.0	2.5	2252	$1,850	$0.82	25d	1	0.76mi
14739 Sycamore Xing San Antonio, TX	4.0	2.0	1734	$2,300	$1.33	6d	1	0.76mi
6835 Capriccio Spirit San Antonio, TX	3.0	2.5	1512	$1,700	$1.12	23d	1	0.77mi

HOA detail

• Monthly dues: $64 · $768/yr
• Likely covers: gas

Listing history 20 events

1. 2026-06-21
   days on market $249,999 Active 46 DOM
2. 2026-06-18
   days on market $249,999 Active 43 DOM
3. 2026-06-17
   days on market $249,999 Active 42 DOM
4. 2026-06-16
   days on market $249,999 Active 41 DOM
5. 2026-06-15
   days on market $249,999 Active 40 DOM
6. 2026-06-13
   days on market $249,999 Active 38 DOM
7. 2026-06-09
   days on market $249,999 Active 34 DOM
8. 2026-06-08
   days on market $249,999 Active 33 DOM
9. 2026-06-07
   days on market $249,999 Active 32 DOM
10. 2026-06-04
    days on market $249,999 Active 29 DOM
11. 2026-06-03
    days on market $249,999 Active 28 DOM
12. 2026-06-02
    days on market $249,999 Active 27 DOM
13. 2026-06-01
    days on market $249,999 Active 26 DOM
14. 2026-05-31
    days on market $249,999 Active 25 DOM
15. 2026-05-06
    listed $249,999 New 1583-char remark
16. 2026-04-30
    historical
17. 2026-02-15
    price $264,500
18. 2026-01-15
    price $265,000
19. 2025-11-29
    price $270,000
20. 2025-10-31
    listed $275,000 New

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

Tax reassessment forecast TX · Resets to sale price

• Current annual tax: $2,065 · $172/mo
• Projected year-2 tax: $4,575 · $381/mo
• Expected delta: +$2,510/yr (+$209/mo · 121.6%)

ⓘ 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 8/10 Severe 7 d/yr ≥109°F today · 21 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: $21,954
• − Mortgage interest: −$14,004
• − Property taxes: −$2,065
• − Insurance: −$1,250
• − Repairs & maintenance: −$1,756
• − Management: −$1,756
• − HOA: −$768
• − Depreciation: −$7,273
• Taxable loss: −$6,918
• Est. tax savings @ 24.0%: +$1,660
• After-tax cash flow: $-811/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: Medina Valley ISD
• NCES district ID: 4830060
• Math proficiency: 48% ▼ -9.00%
• Reading proficiency: 53% ▼ -2.00%
• Median HH income: $60,596
• Composite: 44.2/100
• National rank: #2851
• State rank: #148 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 21,790
• Household income: $85,518
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 152.0

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: Predominantly Hispanic (68%)
• Race & ethnicity: Hispanic / Latino 68% Two or more races 29% White 17% Black 8% Asian 3% Native American 1%
• Hispanic origin (detail): Mexican 61% Puerto Rican 1%
• Common ancestry: Hispanic 2% Lithuanian 1% German 1%
• Foreign-born: 12% · Canada, South Korea
• Languages at home: 58% English-only · Spanish 38% Tagalog/Filipino 2% Other Indo-European 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: ▬ -0.00%
• Current HPI: 183.6413
• Rent YoY: ▼ -1.67%
• 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
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

-9.1% since first listed

6 events — show timeline

• 2026-05-06 Listed $249,999 LERA
• 2026-04-30 Listing Removed — LERA
• 2026-02-15 Price Changed $264,500 LERA
• 2026-01-15 Price Changed $265,000 LERA
• 2025-11-29 Price Changed $270,000 LERA
• 2025-10-31 Listed $275,000 LERA

Property tax history

+58.2%/yr

Latest (2025): $2,065 · -21.2% YoY. Source: county tax records.