305 W End St · Terrell, TX 75160

$73,999

1 bd · 1.0 ba · 584 sqft · SingleFamily public records · 245 Days on market

Built 1900 Poor condition 2,748 sqft lot $127/sqft · 36% below area Est $116k · 36% under

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Why this score? — see what drove the B 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.4/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +1.0/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

FIXER UPPER in a GREAT LOCATION! We just listed this fixer-upper home in Terrell, Texas. This charming home in Terrell, TX offers a great opportunity for those looking to renovate and customize to their liking. While repairs are needed, the property holds plenty of potential for the right buyer or investor. Enjoy easy access to major highways, just east of Dallas. Conveniently located near fast food restaurants, grocery stores, and local parks, making daily life a breeze. WE MAKE IT EASY TO OWN. This a great opportunity! Don't wait, call us today to get more information on the owner's easy terms and smooth process that may be able to put the deed in your name and make this your dream property.

Key facts

• Great location
• 2,748 sq ft lot
• Built 1900

Tags

• GREAT LOCATION
• EASY ACCESS TO MAJOR HIGHWAYS

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $74k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $460 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $74k).
• Recommended offer: $65k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.7% vs local median 3.9% in Terrell — 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 67/100 on livability (#520 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities C-, employment D, commute F.
• Terrell ISD (town): math 25% / reading 30% proficiency, ranked #677 of 826 in TX (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: W H Burnett El (329 students, 79% FRL); Herman Furlough Jr Middle (math 28% / reading 28%, grade F, #1,143 of 1,662 statewide, top 69%, 1,168 students, 64% FRL); Terrell H S (math 24% / reading 38%, grade F, #1,077 of 1,632 statewide, top 66%, 1,466 students, 56% FRL) — zoned schools at 67% FRL track the district average.
• Market conditions: 572 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 12d on market — plan ~1-2 weeks tenant-placement turnaround); 1,747 units permitted in Kaufman County in 2024 (180 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $511 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Kaufman County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 245 days — a 12% lower offer ($65k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $65,119 (12.0% below list)

Questions for the listing agent

1. It's been on market 245 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.72% ✓
• Cap rate: 13.75%
• Cash-on-cash: 26.62%
• DSCR: 2.18
• GRM: 4.9

CMA / ARV

• ARV (median comp): $115,536
• List price: $73,999
• Delta: -35.95%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
102 Boone St	0.21mi	2/1.0 (+1)	648 (+11%)	18mo	$127,500	$197	52
1010 E College St	1.20mi	1/1.0	702 (+20%)	4mo	$105,000	$150	36
309 James St	1.19mi	2/1.0 (+1)	695 (+19%)	13mo	$169,900	$244	24
1108 N Catherine St	1.14mi	2/1.0 (+1)	740 (+27%)	16mo	$82,000	$111	21
505 N Morris St Unit 6	0.65mi	2/1.0 (+1)	738 (+26%)	24mo	$99,500	$135	20
877 Volney Dr	1.17mi	2/2.0 (+1)	755 (+29%)	18mo	$100,000	$132	16
412 Greenwood St	1.10mi	2/1.0 (+1)	672 (+15%)	41mo	$179,000	$266	15
124 Gordon Dr	1.26mi	2/1.0 (+1)	720 (+23%)	57mo	$99,900	$139	15
304 Campbell St	1.08mi	2/1.0 (+1)	720 (+23%)	58mo	$89,000	$124	15

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.5%
• Equity multiple: 1.84×
• Total profit: $17,318
• Equity at exit: $11,033

10-year hold

• IRR: 28.7%
• Equity multiple: 3.55×
• Total profit: $52,929
• Equity at exit: $6,398

Cash invested: $20,720 (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 75160

• Home prices YoY: -13.2%
• Active inventory: 572
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,271 high
• Mortgage (P&I): −$388
• Tax from tax record: −$126 /mo · $1,511/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $460

Break-even live

Break-even rent $690

Max offer price $73,999

Occupancy floor 59%

Sensitivity live

Price	-10% $501	-5% $480	+0% $460	+5% $439	+10% $418
Rent	-10% $359	-5% $409	+0% $460	+5% $510	+10% $560
Rate	-1.0pp $497	-0.5pp $478	base $460	+0.5pp $440	+1.0pp $421

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: $18,500
• Closing costs: $2,220
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
204 Pacific Ave Terrell, TX	2.0	1.0	714	$1,350	$1.89	105d	1	0.35mi
115 W Moore Ave Unit 205 Terrell, TX	—	1.0	660	$1,550	$2.35	7d	1	0.48mi
115 W Moore Ave Unit 203 Terrell, TX	—	1.0	481	$1,250	$2.60	19d	1	0.48mi
505 Morris St Terrell, TX	1.0	1.0	600	$1,150	$1.92	88d	1	0.68mi
505 N Morris St Apt 5 Terrell, TX	1.0	1.0	600	$1,100	$1.83	11d	1	0.68mi
505 Morris St Terrell, TX	1.0	1.0	600	$1,150	$1.92	54d	1	0.68mi
904 N Frances St Unit A Terrell, TX	2.0	1.0	732	$1,350	$1.84	106d	1	0.89mi
1300 S Adelaide St Terrell, TX	1.0–4.0	1.0–2.0	549	$999	$1.82	0d	1	0.95mi
201 Timber Ct Terrell, TX	1.0–3.0	1.0–2.0	940	$1,064	$1.13	0d	13	1.15mi
1451 Colquitt Rd Terrell, TX	1.0–2.0	1.0–2.0	925	$1,150	$1.24	0d	1	1.18mi
800 Circle Dr Terrell, TX	1.0	1.0	704	$1,200	$1.70	11d	1	1.24mi

Listing history 50 events

1. 2026-09-23
   days on market $73,999 Active 245 DOM
2. 2026-09-22
   days on market $73,999 Active 244 DOM
3. 2026-09-21
   days on market $73,999 Active 243 DOM
4. 2026-09-20
   days on market $73,999 Active 242 DOM
5. 2026-09-19
   days on market $73,999 Active 241 DOM
6. 2026-09-18
   days on market $73,999 Active 240 DOM
7. 2026-09-17
   days on market $73,999 Active 239 DOM
8. 2026-09-16
   days on market $73,999 Active 238 DOM
9. 2026-09-15
   days on market $73,999 Active 237 DOM
10. 2026-09-14
    days on market $73,999 Active 236 DOM
11. 2026-09-13
    days on market $73,999 Active 235 DOM
12. 2026-09-12
    days on market $73,999 Active 234 DOM
13. 2026-09-11
    days on market $73,999 Active 233 DOM
14. 2026-09-05
    days on market $73,999 Active 227 DOM
15. 2026-09-04
    days on market $73,999 Active 226 DOM
16. 2026-09-02
    days on market $73,999 Active 224 DOM
17. 2026-08-31
    days on market $73,999 Active 222 DOM
18. 2026-08-29
    days on market $73,999 Active 220 DOM
19. 2026-08-28
    days on market $73,999 Active 219 DOM
20. 2026-08-27
    days on market $73,999 Active 218 DOM
21. 2026-08-25
    days on market $73,999 Active 216 DOM
22. 2026-08-24
    days on market $73,999 Active 215 DOM
23. 2026-08-23
    days on market $73,999 Active 214 DOM
24. 2026-08-22
    days on market $73,999 Active 213 DOM
25. 2026-08-21
    days on market $73,999 Active 212 DOM
26. 2026-08-20
    days on market $73,999 Active 211 DOM
27. 2026-08-19
    days on market $73,999 Active 210 DOM
28. 2026-08-18
    days on market $73,999 Active 209 DOM
29. 2026-08-17
    days on market $73,999 Active 208 DOM
30. 2026-08-16
    days on market $73,999 Active 207 DOM
31. 2026-08-15
    days on market $73,999 Active 206 DOM
32. 2026-08-14
    days on market $73,999 Active 205 DOM
33. 2026-08-13
    days on market $73,999 Active 204 DOM
34. 2026-08-12
    days on market $73,999 Active 203 DOM
35. 2026-08-11
    days on market $73,999 Active 202 DOM
36. 2026-08-10
    days on market $73,999 Active 201 DOM
37. 2026-08-09
    days on market $73,999 Active 200 DOM
38. 2026-08-08
    days on market $73,999 Active 199 DOM
39. 2026-08-06
    days on market $73,999 Active 197 DOM
40. 2026-08-05
    days on market $73,999 Active 196 DOM
41. 2026-08-04
    days on market $73,999 Active 195 DOM
42. 2026-08-03
    days on market $73,999 Active 194 DOM
43. 2026-07-31
    days on market $73,999 Active 191 DOM
44. 2026-07-30
    days on market $73,999 Active 189 DOM
45. 2026-07-28
    days on market $73,999 Active 188 DOM
46. 2026-07-26
    days on market $73,999 Active 186 DOM
47. 2026-07-24
    days on market $73,999 Active 184 DOM
48. 2026-07-23
    days on market $73,999 Active 183 DOM
49. 2026-07-22
    days on market $73,999 Active 182 DOM
50. 2026-07-21
    days on market $73,999 Active 181 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: $1,511 · $126/mo
• Projected year-2 tax: $1,511 · $126/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 ≥109°F today · 24 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% 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: $15,256
• − Mortgage interest: −$4,145
• − Property taxes: −$1,511
• − Insurance: −$370
• − Repairs & maintenance: −$1,220
• − Management: −$1,220
• − Depreciation: −$2,153
• Taxable income: $4,636
• Est. tax owed @ 24.0%: −$1,113
• After-tax cash flow: $4,402/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 2 photos

Poor 20/100 Extensive rehab Est. rehab $29,200–$52,560 screening

This fixer-upper home in Terrell, Texas requires extensive repairs and maintenance, including roof, siding, fencing, and landscaping. Significant improvements are needed to make it move-in ready.

Deferred maintenance Est. $40,000–$120,000 screening

• Major Roof (roof) — The roof appears to be in poor condition with visible damage and missing shingles.
• Major Windows (windows) — The windows are covered with tarps, indicating they are not functioning and need replacement.
• Major Electrical (electrical) — The house is in a state of disrepair, which could indicate issues with the electrical system.
• Major Exterior (exterior) — The exterior of the house is overgrown with vegetation, and the overall condition suggests neglect.

Repairs flagged

• Major roof — Signs of potential leaks and damage
• Major siding — Damaged and missing
• Major fencing — Damaged and overgrown vegetation
• Major landscaping — Overgrown vegetation and debris

Value-add opportunities

• Both landscaping and debris removal — Improves curb appeal and safety ↑
• Both roof repair — Fixes potential leaks and enhances safety ↑
• Both siding repair/replacement — Enhances curb appeal and safety ↑
• Both fencing repair — Improves safety and property value ↑

ⓘ Rehab cost is a screening estimate — Extensive scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 30/100

Zoned Schools

Elementary W H Burnett El Middle Herman Furlough Jr Middle F TX #1,143/1,662 Nat'l #9,545/14,009 High Terrell H S F TX #1,077/1,632 Nat'l #10,806/17,239

Schools (NCES district)

• District: Terrell ISD
• NCES district ID: 4842450
• Math proficiency: 25% ▼ -14.00%
• Reading proficiency: 30% ▼ -5.00%
• Median HH income: $44,265
• Composite: 23.57/100
• National rank: #7855
• State rank: #677 of 826 in TX

C Composite livability gradescore 67/100

Livability — Terrell

• Score: 67/100
• State rank: #520
• US rank: #10213

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Terrell, TX
• County: Kaufman County · 138,716 people
• City population: 28,206
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 28,206
• Household income: $71,801
• Rent vs Own: 31.5% rent · 68.5% own
• Severe rent burden: 13% of renters

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Population outlook (Kaufman County) Hauer SSP2

• Today (2025): 138,716 people
• By 2030: 150,815 · +8.7%
• By 2040: 174,877 · +26.1%
• By 2050: 198,020 · +42.8%
• By 2075: 251,908 · +81.6%
• By 2100: 285,325 · +105.7%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 46% Hispanic / Latino 33% Two or more races 19% Black 18%
• Hispanic origin (detail): Mexican 30%
• Common ancestry: Lithuanian 2% Slovak 1% Portuguese 1%
• Foreign-born: 11% · Canada
• Languages at home: 75% English-only · Spanish 24% Russian/Polish/Slavic 1%

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Political lean MEDSL · Kaufman

• 2024 margin: Strong R (+27.9) · D 35.6% · R 63.5%
• 2008→2024 swing: +7.9pp toward D · 2008: -35.8pp · 2024: -27.9pp
• All cycles: 2024: R+27.9 2020: R+33.9 2016: R+47.0 2012: R+44.4 2008: R+35.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.39%
• Current HPI: 278.507
• Rent YoY: —
• Metro: Dallas-Fort Worth-Arlington, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

2 events — show timeline

• 2026-01-21 Listed $73,999 HARMLS
• 2014-09-26 Sold (Public Records) — Public Records

Property tax history

+9.3%/yr

Latest (2025): $1,511 · +1.1% YoY. Source: county tax records.