13875 Moffat Rd · Temple, TX 76502

$199,999

4 bd · 2.0 ba · 2,810 sqft · SingleFamily public records · 485 Days on market

Built 1935 0.56 ac lot $71/sqft · 57% below area ↓ 31% since listing

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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 +24.5/30.0
• DSCR +7.9/10.0
• ARV discount +7.5/15.0
• 1% rule +5.6/10.0
• Schools +3.8/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Motivated sellers have offered a $30,000. Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

Key facts

• Electric range
• Flat fenced backyard
• Black dbl dr refrig

Tags

• SCREENED IN BACK PORCH
• FLAT FENCED BACKYARD
• METAL SHED ORGANIZED STORAGE
• OPEN KITCHEN
• BLACK DBL DR REFRIG
• ELECTRIC RANGE

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $411 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Recommended offer: $176k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.8% vs local median 3.6% in Temple — 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 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Belton ISD (suburban): math 39% / reading 46% proficiency, ranked #285 of 826 in TX (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.8%/yr); 1114 active listings in the ZIP; solid renter incomes; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).
• This rent runs 31% of the median local income ($82k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 485 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $90k (31%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1935 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 62% 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 $175,999 (12.0% below list)

Questions for the listing agent

1. It's been on market 485 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1935 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is D 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. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.06% ✓
• Cap rate: 8.76%
• Cash-on-cash: 8.81%
• DSCR: 1.39
• GRM: 7.8

CMA / ARV

• ARV (median comp): $464,390
• List price: $199,999
• Delta: -56.93%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7265 Mcgregor Park Rd	0.33mi	3/2.0 (-1)	2,877 (+2%)	10mo	$869,000	$302	67
6270 Water Supply Rd	0.57mi	4/3.0	2,516 (-10%)	8mo	$699,900	$278	46

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -6.2%
• Equity multiple: 0.78×
• Total profit: $-12,486
• Equity at exit: $29,821

10-year hold

• IRR: -0.4%
• Equity multiple: 0.97×
• Total profit: $-1,401
• Equity at exit: $17,292

Cash invested: $56,000 (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 76502

• Rents YoY: -0.8%
• Active inventory: 1114
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $2,129 medium
• Mortgage (P&I): −$1,049
• Tax from tax record: −$139 /mo · $1,663/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$447
• Net cashflow: $411

Break-even live

Break-even rent $1,609

Max offer price $199,999

Occupancy floor 76%

Sensitivity live

Price	-10% $525	-5% $468	+0% $411	+5% $355	+10% $298
Rent	-10% $243	-5% $327	+0% $411	+5% $495	+10% $580
Rate	-1.0pp $512	-0.5pp $462	base $411	+0.5pp $360	+1.0pp $307

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Listing history 32 events

1. 2026-06-18
   days on market $199,999 Active 485 DOM
2. 2026-06-17
   days on market $199,999 Active 484 DOM
3. 2026-06-16
   days on market $199,999 Active 483 DOM
4. 2026-06-15
   days on market $199,999 Active 482 DOM
5. 2026-06-14
   days on market $199,999 Active 480 DOM
6. 2026-06-13
   days on market $199,999 Active 479 DOM
7. 2026-06-09
   days on market $199,999 Active 476 DOM
8. 2026-06-08
   days on market $199,999 Active 475 DOM
9. 2026-06-07
   days on market $199,999 Active 474 DOM
10. 2026-06-05
    days on market $199,999 Active 471 DOM
11. 2026-06-03
    days on market $199,999 Active 470 DOM
12. 2026-06-03
    status $199,999 Active 469 DOM
13. 2026-06-02
    days on market $199,999 Active Under Contract 469 DOM
14. 2026-06-01
    days on market $199,999 Active Under Contract 468 DOM
15. 2026-05-31
    days on market $199,999 Active Under Contract 467 DOM
16. 2026-05-30
    days on market $199,999 Active Under Contract 466 DOM
17. 2026-05-21
    historical Active Under Contract 1211-char remark

    Show marketing remark (1211 chars)

    Motivated sellers have offered a $30,000. Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

18. 2026-05-19
    historical Active Under Contract 1207-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

19. 2026-05-14
    price $199,999 1211-char remark

    Show marketing remark (1211 chars)

    Motivated sellers have offered a $30,000. Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

20. 2026-04-22
    price $199,999 1207-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

21. 2025-12-12
    price $219,900 1211-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

22. 2025-12-12
    price $219,900 1207-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

23. 2025-07-30
    price $249,000 1211-char remark

    Show marketing remark (1211 chars)

    Motivated sellers have offered a $30,000. Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

24. 2025-07-29
    price $269,000 1211-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

25. 2025-07-29
    price $249,000 1207-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

26. 2025-06-30
    price $269,000 1207-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

27. 2025-04-28
    price $285,000 1207-char remark

    Show marketing remark (1211 chars)

    Motivated sellers have offered a $30,000. Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

28. 2025-04-28
    price $285,000 1211-char remark

    Show marketing remark (1211 chars)

    Motivated sellers have offered a $30,000. Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

29. 2025-02-18
    listed $289,900 Active 1211-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

30. 2025-02-18
    listed $289,900 Active 1207-char remark

    Show marketing remark (1207 chars)

    Motivated sellers have offered a HUGE Price Reduction!! AND a $5000. Buyer Incentive towards buydown rate or closing costs upon closing. Lots of space inside and out. Over 2800 sf on . 56 ac in Moffat. Screened in back porch overlooks a great backyard, flat & fenced on 2 sides, metal shed has organized storage space. Next door to church and 1 mile from McGregor State Park and/or Temple Aero Modelers. Open kitchen w/ lots of cabinets, an island, black dbl dr refrig w/ water & ice in door, electric range w/ hood vent, dishwasher, microwave, dbl SS sink, laminate counters & flooring. 2 large DN areas, 2 large LV areas. 1 LV is off side entrance & can be used for a commercial business office. 2nd LV is accessed off the sunporch on the front of the home. Lighted CFs and lots of variety throughout-carpet, wood, laminate, paneling. Built in bookshelves in office & in 1 bedroom. 2 full baths have 1 w/ walk in shower & 1 w/ tub. Separate laundry room, screened in back porch, 3 carports, concrete parking pads, metal roof. Former youth building for church and is SOLD AS-IS, no repairs will be made. Washer, dryer & some personal property included in the sale.

31. 1996-03-15
    soldstatus
32. 1995-03-27
    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: $1,663 · $139/mo
• Projected year-2 tax: $3,660 · $305/mo
• Expected delta: +$1,997/yr (+$166/mo · 120.1%)

ⓘ 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 ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 62% 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: $25,551
• − Mortgage interest: −$11,203
• − Property taxes: −$1,663
• − Insurance: −$1,000
• − Repairs & maintenance: −$2,044
• − Management: −$2,044
• − Depreciation: −$5,818
• Taxable income: $1,778
• Est. tax owed @ 24.0%: −$427
• After-tax cash flow: $4,509/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: Belton ISD
• NCES district ID: 4809860
• Math proficiency: 39% ▼ -14.00%
• Reading proficiency: 46% ▼ -4.00%
• Median HH income: $61,239
• Composite: 37.62/100
• National rank: #4378
• State rank: #285 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 52,669
• Household income: $82,088
• Rent vs Own: 35.9% rent · 64.1% own
• Severe rent burden: 1890.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 58% Hispanic / Latino 26% Two or more races 15% Black 9% Asian 3%
• Hispanic origin (detail): Mexican 21% Puerto Rican 2%
• Common ancestry: Italian 2% Slovak 2% Serbian 1%
• Foreign-born: 7% · Canada, South Korea, China
• Languages at home: 86% English-only · Spanish 10% Other Indo-European 1% Korean 1%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -216.80%
• Current HPI: 166.927
• Rent YoY: ▼ -0.79%
• Metro: Killeen-Temple, 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

-31.0% since first listed

16 events — show timeline

• 2026-05-21 Contingent — Unlock MLS
• 2026-05-19 Contingent — CTXMLS
• 2026-05-14 Price Changed $199,999 Unlock MLS
• 2026-04-22 Price Changed $199,999 CTXMLS
• 2025-12-12 Price Changed $219,900 Unlock MLS
• 2025-12-12 Price Changed $219,900 CTXMLS
• 2025-07-30 Price Changed $249,000 Unlock MLS
• 2025-07-29 Price Changed $269,000 Unlock MLS
• 2025-07-29 Price Changed $249,000 CTXMLS
• 2025-06-30 Price Changed $269,000 CTXMLS
• 2025-04-28 Price Changed $285,000 CTXMLS
• 2025-04-28 Price Changed $285,000 Unlock MLS
• 2025-02-18 Listed $289,900 CTXMLS
• 2025-02-18 Listed $289,900 Unlock MLS
• 1996-03-15 Sold (Public Records) — Public Records
• 1995-03-27 Sold (Public Records) — Public Records

Property tax history

+5.6%/yr

Latest (2025): $1,663 · -10.6% YoY. Source: county tax records.