313 Elm St · Copperas Cove, TX 76522

$109,000

3 bd · 2.0 ba · 1,433 sqft · SingleFamily public records · 13 Days on market

Built 1960 7,000 sqft lot Est $199k · 45% under

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +20.1/30.0
• ARV discount +15.0/15.0
• 1% rule +6.6/10.0
• DSCR +6.4/10.0
• Schools +3.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks

This 3 bedroom 1 1/2 bath home in Copperas Cove has over 1400 square feet including an enclosed sunroom allowing ample natural light into the home. Original hardwood flooring in the kitchen and dining. Primary suite has ensuite bath with large shower, and secondary bedrooms share a bath. Multiple shade trees surrounding the property provide lots of shade. Conveniently located to the city park, sports fields, playgrounds and a public swimming pool and shopping and dining.

Key facts

• Enclosed sunroom
• Multiple shade trees
• Conveniently located

Tags

• ENCLOSED SUNROOM
• ORIGINAL HARDWOOD FLOORING
• MULTIPLE SHADE TREES
• CONVENIENTLY LOCATED

Property features AI

Exterior

• Parking: Attached garage (1 car)
• Utilities: Public water; Public sewer
• Home design: Residential property; One-story; Entry level: first floor
• Construction: Built in 1960; Brick and wood siding exterior; Composition roof; Slab foundation
• Exterior features: Porch; Asphalt road access; Lot includes Other features

Interior

• Kitchen: Dishwasher; Gas range
• Bedrooms: Primary bedroom on the first floor (12 x 16); Two additional bedrooms on the first floor (each 10 x 12)
• Flooring: Carpet; Wood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Ceiling fan(s)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $109k.

Deal economics

• At list price, monthly cash flow is $137 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $109k).
• Cap rate 7.8% vs local median 3.4% in Copperas Cove — 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 65/100 on livability (#706 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D+, amenities F, commute F.
• Copperas Cove ISD (suburban): math 41% / reading 42% proficiency, ranked #340 of 826 in TX (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: C R Clements/Hollie Parsons El (math 51% / reading 46%, grade D, #950 of 4,322 statewide, top 22%, 817 students, 68% FRL); Copperas Cove J H (math 43% / reading 42%, grade D-, #553 of 1,662 statewide, top 34%, 924 students, 63% FRL); Copperas Cove H S (math 29% / reading 42%, grade F, #941 of 1,632 statewide, top 58%, 2,277 students, 52% FRL) — zoned schools average 61% FRL vs 41% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.2%/yr); 605 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; 386 units permitted in Coryell County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $754 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 13 sale attempts since 19y ago 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

• Watch-outs: property tax is 2.7% of price.
• Climate carrying-cost: major wind risk, 50% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,000

Questions for the listing agent

1. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.16% ✓
• Cap rate: 7.80%
• Cash-on-cash: 5.37%
• DSCR: 1.24
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $199,187
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
101 North Dr	0.49mi	3/2.0	1,410 (-2%)	5mo	$164,900	$117	70
815 Shady Ln	0.44mi	3/1.5	1,404 (-2%)	6mo	$92,500	$66	69
208 N 2nd St	0.58mi	3/2.0	1,476 (+3%)	2mo	$160,000	$108	66
205 Nauert St	0.63mi	3/2.0	1,324 (-8%)	4mo	$185,000	$140	54
109 Ridge St	0.70mi	3/1.5	1,353 (-6%)	3mo	$144,100	$107	53
1001 Gilmore St	0.61mi	3/2.0	1,575 (+10%)	4mo	$167,000	$106	52
1303 Little St	0.66mi	3/2.0	1,258 (-12%)	1mo	$175,000	$139	48
910 Leonhard St	0.57mi	4/1.0 (+1)	1,287 (-10%)	1mo	$125,000	$97	47
1014 N 4th St	0.73mi	3/2.0	1,263 (-12%)	1mo	$186,000	$147	45
905 Vernon Dr	0.74mi	4/2.0 (+1)	1,560 (+9%)	1mo	$230,000	$147	45
909 N 4th St	0.70mi	3/2.0	1,253 (-13%)	3mo	$188,000	$150	44
1009 N 4th St	0.74mi	3/2.0	1,222 (-15%)	2mo	$173,000	$142	39

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: -11.8%
• Equity multiple: 0.59×
• Total profit: $-12,581
• Equity at exit: $16,252

10-year hold

• IRR: -8.5%
• Equity multiple: 0.55×
• Total profit: $-13,725
• Equity at exit: $9,424

Cash invested: $30,520 (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 76522

• Home prices YoY: -22.4%
• Rents YoY: -0.2%
• Active inventory: 605
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,265 high
• Mortgage (P&I): −$572
• Tax from tax record: −$246 /mo · $2,947/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$266
• Net cashflow: $137

Break-even live

Break-even rent $1,092

Max offer price $109,000

Occupancy floor 84%

Sensitivity live

Price	-10% $198	-5% $167	+0% $137	+5% $106	+10% $75
Rent	-10% $37	-5% $87	+0% $137	+5% $187	+10% $237
Rate	-1.0pp $192	-0.5pp $164	base $137	+0.5pp $108	+1.0pp $80

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: $27,250
• Closing costs: $3,270
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1005 Phil Ave Copperas Cove, TX	3.0	1.0	1026	$1,025	$1.00	44d	1	0.17mi
303 Margaret Lee St Copperas Cove, TX	3.0	1.0	1124	$915	$0.81	14d	1	0.19mi
408 Allen St Copperas Cove, TX	3.0	1.0	1300	$1,095	$0.84	24d	1	0.31mi
204 South Dr Unit A Copperas Cove, TX	2.0	1.0	895	$999	$1.12	44d	1	0.33mi
308 Creek St Unit A Copperas Cove, TX	2.0	1.5	978	$875	$0.89	44d	1	0.46mi
304 Oak St Copperas Cove, TX	3.0	1.0	1627	$1,350	$0.83	44d	1	0.52mi
208 Oak St Copperas Cove, TX	3.0	2.0	1822	$1,495	$0.82	24d	1	0.53mi
1003 E Robertson Ave Copperas Cove, TX	3.0	2.0	1042	$1,150	$1.10	24d	1	0.54mi
518 Kate St Copperas Cove, TX	4.0	1.5	1302	$1,595	$1.23	44d	1	0.58mi
914 Chalk St Copperas Cove, TX	3.0	2.0	1107	$1,200	$1.08	24d	1	0.59mi
507 Kate St Copperas Cove, TX	3.0	2.0	1280	$1,295	$1.01	24d	1	0.60mi
107 Nauert St Copperas Cove, TX	3.0	2.0	1710	$1,300	$0.76	44d	1	0.65mi
105 Nauert St Copperas Cove, TX	4.0	1.0	1346	$1,395	$1.04	24d	1	0.65mi
204 West Avenue F Unit B Copperas Cove, TX	2.0	1.0	895	$705	$0.79	44d	1	0.69mi
204 West Avenue F Unit A Copperas Cove, TX	2.0	1.0	895	$725	$0.81	44d	1	0.69mi
1102 Creek St Copperas Cove, TX	4.0	2.5	1834	$1,675	$0.91	44d	1	0.69mi
105 E Reagan Ave Copperas Cove, TX	2.0	1.0	1758	$675	$0.38	44d	1	0.73mi
604 N Main St Apt D Copperas Cove, TX	3.0	1.5	1100	$900	$0.82	44d	1	0.73mi
604 N Main St Apt C Copperas Cove, TX	2.0	1.5	1000	$750	$0.75	44d	1	0.73mi
1306 Amthor Ave Copperas Cove, TX	3.0	2.0	1366	$1,399	$1.02	44d	1	0.76mi
211 E Hogan Dr Copperas Cove, TX	3.0	2.0	1372	$1,400	$1.02	14d	1	0.80mi
808 Mary St Copperas Cove, TX	3.0	1.0	1028	$1,300	$1.26	44d	1	0.81mi
904 Mary St Copperas Cove, TX	3.0	2.0	1041	$1,052	$1.01	44d	1	0.82mi
1010 Georgetown Rd Copperas Cove, TX	3.0	1.0	1018	$995	$0.98	44d	1	0.83mi
204 W Truman Ave Unit D Copperas Cove, TX	2.0	1.0	895	$800	$0.89	44d	1	0.86mi
1004 S 3rd St Copperas Cove, TX	3.0	1.0	940	$950	$1.01	24d	1	0.86mi
403 S 7th St Copperas Cove, TX	3.0	1.0	910	$1,100	$1.21	44d	1	0.88mi
401 E Hogan Dr Copperas Cove, TX	3.0	2.0	1826	$1,475	$0.81	44d	1	0.88mi
412 West Avenue C Unit C Copperas Cove, TX	3.0	2.0	1343	$1,600	$1.19	22d	1	0.88mi
414 West Avenue C Unit C Copperas Cove, TX	3.0	2.0	1343	$1,600	$1.19	44d	1	0.89mi
403 E Hogan Dr Copperas Cove, TX	4.0	2.0	1492	$1,675	$1.12	24d	1	0.89mi
114 Nelson Dr Copperas Cove, TX	3.0	2.0	1448	$1,400	$0.97	44d	1	0.91mi
1202 S 3rd St Copperas Cove, TX	3.0	2.0	1056	$1,175	$1.11	44d	1	0.92mi
917 Whirlaway Dr Copperas Cove, TX	3.0	2.0	1300	$1,500	$1.15	44d	1	0.93mi
504 Highway Ave Unit B Copperas Cove, TX	2.0	1.0	1500	$700	$0.47	44d	1	0.94mi
1202 S FM 116 Copperas Cove, TX	1.0–3.0	1.0–2.0	922	$1,560	$1.69	14d	12	0.94mi
502 S 9th St Copperas Cove, TX	3.0	1.5	1479	$1,150	$0.78	44d	1	0.96mi
509 West Avenue B Copperas Cove, TX	3.0	2.0	1339	$1,175	$0.88	24d	1	0.96mi
604 S 11th St Copperas Cove, TX	3.0	2.0	1119	$1,300	$1.16	44d	1	0.97mi
902 Lynn Ln Copperas Cove, TX	3.0	2.0	1661	$1,600	$0.96	14d	1	0.98mi

Listing history 11 events

1. 2026-06-18
   days on market $109,000 Active 13 DOM
2. 2026-06-17
   days on market $109,000 Active 12 DOM
3. 2026-06-16
   days on market $109,000 Active 11 DOM
4. 2026-06-15
   days on market $109,000 Active 10 DOM
5. 2026-06-14
   days on market $109,000 Active 8 DOM
6. 2026-06-13
   days on market $109,000 Active 7 DOM
7. 2026-06-10
   days on market $109,000 Active 5 DOM
8. 2026-06-09
   days on market $109,000 Active 4 DOM
9. 2026-06-08
   days on market $109,000 Active 3 DOM
10. 2026-06-07
    remarks 475-char remark
11. 2026-06-07
    listed $109,000 Active 2 DOM

ⓘ 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: $2,947 · $246/mo
• Projected year-2 tax: $2,947 · $246/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥106°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 50% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,179
• − Mortgage interest: −$6,106
• − Property taxes: −$2,947
• − Insurance: −$545
• − Repairs & maintenance: −$1,214
• − Management: −$1,214
• − Depreciation: −$3,171
• Taxable loss: −$19
• Est. tax savings @ 24.0%: +$5
• After-tax cash flow: $1,644/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: Copperas Cove ISD
• NCES district ID: 4815240
• Math proficiency: 41% ▼ -6.00%
• Reading proficiency: 42% ▼ -2.00%
• Median HH income: $51,072
• Composite: 35.85/100
• National rank: #4822
• State rank: #340 of 826 in TX

Livability — Copperas Cove

• Score: 65/100
• State rank: #706
• US rank: #13158

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Copperas Cove, TX
• County: Coryell County · 61,053 people
• City population: 42,118
• Metro: Killeen-Temple, TX
• Population (ZIP): 42,118
• Household income: $72,206
• Rent vs Own: 37.9% rent · 62.1% own
• Severe rent burden: 1019.0

Population outlook (Coryell County) Hauer SSP2

• Today (2025): 75,485 people
• By 2030: 75,627 · +0.2%
• By 2040: 74,898 · -0.8%
• By 2050: 74,221 · -1.7%
• By 2075: 72,688 · -3.7%
• By 2100: 66,862 · -11.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 53% Hispanic / Latino 21% Two or more races 20% Black 14% Asian 2%
• Hispanic origin (detail): Mexican 11% Puerto Rican 6%
• Common ancestry: Romanian 2% Italian 2% Lithuanian 2%
• Foreign-born: 7% · Canada, South Korea
• Languages at home: 85% English-only · Spanish 10% German/W. Germanic 2% Other Asian/Pacific 1%

Political lean MEDSL · Coryell

• 2024 margin: Solid R (+40.7) · D 29.1% · R 69.8% · Other 1.1%
• 2008→2024 swing: -13.8pp toward R · 2008: -26.9pp · 2024: -40.7pp
• All cycles: 2024: R+40.7 2020: R+33.5 2016: R+39.5 2012: R+36.6 2008: R+26.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -53.11%
• Current HPI: 183.9452
• Rent YoY: ▼ -0.25%
• 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

+70.3% since first listed

31 events — show timeline

• 2026-06-05 Listed $109,000 HARMLS
• 2025-08-22 Listing Removed — CTXMLS
• 2025-08-21 Relisted — Unlock MLS
• 2025-08-21 Relisted — CTXMLS
• 2025-08-04 Pending — Unlock MLS
• 2025-08-04 Pending — CTXMLS
• 2025-07-15 Price Changed — Unlock MLS
• 2025-07-15 Price Changed $112,000 CTXMLS
• 2025-07-14 Listed — Unlock MLS
• 2025-06-12 Listed $126,500 CTXMLS
• 2025-03-10 Listing Removed — CTXMLS
• 2025-03-09 Relisted — CTXMLS
• 2024-09-24 Relisted — CTXMLS
• 2024-09-24 Price Changed $159,400 CTXMLS
• 2024-08-26 Pending — CTXMLS
• 2024-08-05 Relisted — CTXMLS
• 2024-07-22 Pending — CTXMLS
• 2024-06-14 Price Changed $169,400 CTXMLS
• 2024-04-30 Listed $174,400 CTXMLS
• 2021-10-04 Sold (Public Records) — Public Records
• 2021-08-05 Pending — CTXMLS
• 2021-07-17 Price Changed $139,500 CTXMLS
• 2021-07-01 Listed $149,500 CTXMLS
• 2020-09-14 Price Changed $72,900 Unlock MLS
• 2018-09-13 Sold (Public Records) — Public Records
• 2018-03-28 Delisted — Unlock MLS
• 2018-03-28 Sold (MLS) — Unlock MLS
• 2018-01-30 Listed $81,000 Unlock MLS
• 2018-01-29 Listed $72,900 CTXMLS
• 2007-11-15 Sold (Public Records) — Public Records
• 2007-09-12 Listed $64,000 CTXMLS

Property tax history

+5.2%/yr

Latest (2025): $2,947 · +4.2% YoY. Source: county tax records.