308 Ryker Ln · Gunter, TX 75058

$1,000,000

4 bd · 4.5 ba · 5,776 sqft · SingleFamily public records · 81 Days on market

Built 2025 1.00 ac lot $173/sqft · 47% below area Est $1954k · 49% under ↓ 30% 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 +15.0/15.0
• Appreciation +10.0/10.0
• Schools +4.8/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Cash flow +0.0/30.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0

Listing remarks MLS

Step into a lifestyle where space, privacy, and connection come together in a way that’s becoming increasingly rare in North Texas. This is where mornings feel quieter, evenings last longer, and home becomes the place everyone naturally gathers. Set on a full acre in the path of North Dallas growth, this property offers the opportunity to live beyond the congestion while still staying effortlessly connected to everything along the Preston Road and US-75 corridors. It’s a setting designed for those who want room to breathe without giving up convenience. Here, life happens both inside and out. Picture slow mornings with natural light pouring in, weekends filled with friends and family, and evenings spent outdoors by the fire, where conversations stretch late into the night. The expansive outdoor living space creates the kind of environment where memories are made whether it’s hosting, relaxing, or simply enjoying the quiet that only this kind of space can provide. This is a home built for the way people live today where work, life, and entertainment flow together. Whether you’re working remotely, gathering for celebrations, or enjoying a quiet night in, the layout and setting support a lifestyle of flexibility, comfort, and ease. Beyond the home, the lifestyle continues. Spend weekends at Ray Roberts Lake State Park enjoying boating, fishing, and miles of scenic trails, or tee off at The Bridges Golf Club for a premier golf experience just minutes away. Local favorites like Preston Trail Farms offer seasonal events, fresh air, and a sense of community that’s hard to find closer to the city. As North Texas continues to expand north, this location represents more than just a place to live, it’s a chance to get ahead of the curve, to secure space, privacy, and a lifestyle that’s becoming harder to find. For those seeking more than just a home for those looking for a lifestyle defined by space, connection, and long-term value this is where it all comes together.

Key facts

• 1 acre homesite
• Private home office
• 1 acre lot

Tags

• 1 ACRE HOMESITE
• DESIGNER CHEF'S KITCHEN
• SPA INSPIRED BATHROOM
• DEDICATED MEDIA LOUNGE
• PRIVATE HOME OFFICE
• EXCEPTIONAL OUTDOOR LIVING

What this means for you Summary

Snapshot

• This is a 4-bed/4.5-bath single-family listed at $1.00M.

Deal economics

• At list price, monthly cash flow is $-5k ($-56k/yr) — negative.
• To cash-flow at today's rent, offer at most $226k (77.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $243k (75.7% below list).
• Recommended offer: $226k (77.4% below list) — sets the bar for cash-flow.
• Cap rate 0.7% vs local median 1.9% in Gunter — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 72/100 on livability (#236 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Gunter ISD (rural): math 47% / reading 58% proficiency, ranked #103 of 826 in TX (top 12%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 201 active listings in the ZIP; 2,272 units permitted in Grayson County in 2024 (750 in 5+ unit buildings).

Forward outlook

• In year one you build about $107k of equity ($7k loan paydown + $100k appreciation (10.0% local appreciation)).
• Grayson County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$172k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 81 days — a 6% lower offer ($940k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $150k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; major 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 $225,911 (77.4% 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 81 days. Have you received any prior offers? Is the seller open to a 77% 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. 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?
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: 0.24% ✗
• Cap rate: 0.67%
• Cash-on-cash: -20.07%
• DSCR: 0.11
• GRM: 34.3

CMA / ARV

• ARV (median comp): $1,954,385
• List price: $1,000,000
• Delta: -48.83%
• Verdict: UNDERPRICED
• Comps: 4 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 10.5%
• Equity multiple: 1.88×
• Total profit: $246,262
• Equity at exit: $900,879

10-year hold

• IRR: 11.6%
• Equity multiple: 4.43×
• Total profit: $959,409
• Equity at exit: $1,942,780

Cash invested: $280,000 (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 75058

• Home prices YoY: 6.4%
• Active inventory: 201
• Price-to-rent: 34.3×

Monthly cashflow live

• Estimated rent: $2,430 medium
• Mortgage (P&I): −$5,244
• Tax from tax record: −$941 /mo · $11,296/yr
• Insurance: −$417
• HOA: −$0
• Vacancy / Maint / Mgmt: −$510
• Net cashflow: $-4,682

Break-even live

Break-even rent $8,357

Max offer price $225,911

Occupancy floor —

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: $250,000
• Closing costs: $30,000
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-05-18
   historical Active Option Contract 2032-char remark

   Show marketing remark (2032 chars)

   Step into a lifestyle where space, privacy, and connection come together in a way that’s becoming increasingly rare in North Texas. This is where mornings feel quieter, evenings last longer, and home becomes the place everyone naturally gathers. Set on a full acre in the path of North Dallas growth, this property offers the opportunity to live beyond the congestion while still staying effortlessly connected to everything along the Preston Road and US-75 corridors. It’s a setting designed for those who want room to breathe without giving up convenience. Here, life happens both inside and out. Picture slow mornings with natural light pouring in, weekends filled with friends and family, and evenings spent outdoors by the fire, where conversations stretch late into the night. The expansive outdoor living space creates the kind of environment where memories are made whether it’s hosting, relaxing, or simply enjoying the quiet that only this kind of space can provide. This is a home built for the way people live today where work, life, and entertainment flow together. Whether you’re working remotely, gathering for celebrations, or enjoying a quiet night in, the layout and setting support a lifestyle of flexibility, comfort, and ease. Beyond the home, the lifestyle continues. Spend weekends at Ray Roberts Lake State Park enjoying boating, fishing, and miles of scenic trails, or tee off at The Bridges Golf Club for a premier golf experience just minutes away. Local favorites like Preston Trail Farms offer seasonal events, fresh air, and a sense of community that’s hard to find closer to the city. As North Texas continues to expand north, this location represents more than just a place to live, it’s a chance to get ahead of the curve, to secure space, privacy, and a lifestyle that’s becoming harder to find. For those seeking more than just a home for those looking for a lifestyle defined by space, connection, and long-term value this is where it all comes together.

2. 2026-05-07
   price $1,000,000 2032-char remark

   Show marketing remark (2032 chars)

   Step into a lifestyle where space, privacy, and connection come together in a way that’s becoming increasingly rare in North Texas. This is where mornings feel quieter, evenings last longer, and home becomes the place everyone naturally gathers. Set on a full acre in the path of North Dallas growth, this property offers the opportunity to live beyond the congestion while still staying effortlessly connected to everything along the Preston Road and US-75 corridors. It’s a setting designed for those who want room to breathe without giving up convenience. Here, life happens both inside and out. Picture slow mornings with natural light pouring in, weekends filled with friends and family, and evenings spent outdoors by the fire, where conversations stretch late into the night. The expansive outdoor living space creates the kind of environment where memories are made whether it’s hosting, relaxing, or simply enjoying the quiet that only this kind of space can provide. This is a home built for the way people live today where work, life, and entertainment flow together. Whether you’re working remotely, gathering for celebrations, or enjoying a quiet night in, the layout and setting support a lifestyle of flexibility, comfort, and ease. Beyond the home, the lifestyle continues. Spend weekends at Ray Roberts Lake State Park enjoying boating, fishing, and miles of scenic trails, or tee off at The Bridges Golf Club for a premier golf experience just minutes away. Local favorites like Preston Trail Farms offer seasonal events, fresh air, and a sense of community that’s hard to find closer to the city. As North Texas continues to expand north, this location represents more than just a place to live, it’s a chance to get ahead of the curve, to secure space, privacy, and a lifestyle that’s becoming harder to find. For those seeking more than just a home for those looking for a lifestyle defined by space, connection, and long-term value this is where it all comes together.

3. 2026-03-06
   listed $1,150,000 Active 2032-char remark

   Show marketing remark (2032 chars)

   Step into a lifestyle where space, privacy, and connection come together in a way that’s becoming increasingly rare in North Texas. This is where mornings feel quieter, evenings last longer, and home becomes the place everyone naturally gathers. Set on a full acre in the path of North Dallas growth, this property offers the opportunity to live beyond the congestion while still staying effortlessly connected to everything along the Preston Road and US-75 corridors. It’s a setting designed for those who want room to breathe without giving up convenience. Here, life happens both inside and out. Picture slow mornings with natural light pouring in, weekends filled with friends and family, and evenings spent outdoors by the fire, where conversations stretch late into the night. The expansive outdoor living space creates the kind of environment where memories are made whether it’s hosting, relaxing, or simply enjoying the quiet that only this kind of space can provide. This is a home built for the way people live today where work, life, and entertainment flow together. Whether you’re working remotely, gathering for celebrations, or enjoying a quiet night in, the layout and setting support a lifestyle of flexibility, comfort, and ease. Beyond the home, the lifestyle continues. Spend weekends at Ray Roberts Lake State Park enjoying boating, fishing, and miles of scenic trails, or tee off at The Bridges Golf Club for a premier golf experience just minutes away. Local favorites like Preston Trail Farms offer seasonal events, fresh air, and a sense of community that’s hard to find closer to the city. As North Texas continues to expand north, this location represents more than just a place to live, it’s a chance to get ahead of the curve, to secure space, privacy, and a lifestyle that’s becoming harder to find. For those seeking more than just a home for those looking for a lifestyle defined by space, connection, and long-term value this is where it all comes together.

4. 2025-12-31
   historical
5. 2025-12-16
   price $1,200,000
6. 2025-11-26
   listed $1,275,000 Active
7. 2025-11-25
   historical
8. 2025-08-13
   price $1,275,000
9. 2025-07-17
   price $1,350,000
10. 2025-07-08
    status Active
11. 2025-06-27
    status Pending
12. 2025-06-18
    historical Active Option Contract
13. 2025-05-14
    historical
14. 2025-05-13
    listed $1,425,000 Active
15. 2024-12-16
    listed $1,425,000 Active

ⓘ 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: $11,296 · $941/mo
• Projected year-2 tax: $18,300 · $1,525/mo
• Expected delta: +$7,004/yr (+$584/mo · 62.0%)

ⓘ 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 6/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥110°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,163
• − Mortgage interest: −$56,016
• − Property taxes: −$11,296
• − Insurance: −$5,000
• − Repairs & maintenance: −$2,333
• − Management: −$2,333
• − Depreciation: −$29,091
• Taxable loss: −$76,905
• Est. tax savings @ 24.0%: +$18,457
• After-tax cash flow: $-37,729/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: Gunter ISD
• NCES district ID: 4821960
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 58% ▼ -3.00%
• Median HH income: $79,375
• Composite: 47.63/100
• National rank: #2254
• State rank: #103 of 826 in TX

Livability — Gunter

• Score: 72/100
• State rank: #236
• US rank: #5729

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 3,614

Population outlook (Grayson County) Hauer SSP2

• Today (2025): 134,540 people
• By 2030: 138,653 · +3.1%
• By 2040: 145,958 · +8.5%
• By 2050: 151,218 · +12.4%
• By 2075: 161,802 · +20.3%
• By 2100: 159,036 · +18.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Hispanic / Latino 21% Two or more races 18% Black 1% Native American 1%
• Hispanic origin (detail): Mexican 20%
• Common ancestry: Italian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 10% · Canada
• Languages at home: 82% English-only · Spanish 18%

Political lean MEDSL · Grayson

• 2024 margin: Solid R (+54.3) · D 22.5% · R 76.7%
• 2008→2024 swing: -16.4pp toward R · 2008: -37.9pp · 2024: -54.3pp
• All cycles: 2024: R+54.3 2020: R+49.9 2016: R+53.1 2012: R+48.0 2008: R+37.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 18.56%
• Current HPI: 309.3751
• 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

-29.8% since first listed

15 events — show timeline

• 2026-05-18 Contingent — NTREIS
• 2026-05-07 Price Changed $1,000,000 NTREIS
• 2026-03-06 Listed $1,150,000 NTREIS
• 2025-12-31 Listing Removed — NTREIS
• 2025-12-16 Price Changed $1,200,000 NTREIS
• 2025-11-26 Listed $1,275,000 NTREIS
• 2025-11-25 Listing Removed — NTREIS
• 2025-08-13 Price Changed $1,275,000 NTREIS
• 2025-07-17 Price Changed $1,350,000 NTREIS
• 2025-07-08 Relisted — NTREIS
• 2025-06-27 Pending — NTREIS
• 2025-06-18 Contingent — NTREIS
• 2025-05-14 Listing Removed — NTREIS
• 2025-05-13 Listed $1,425,000 NTREIS
• 2024-12-16 Listed $1,425,000 NTREIS

Property tax history

+228.4%/yr

Latest (2025): $11,296 · +228.4% YoY. Source: county tax records.