3410 E Granjeno Ave · Hidalgo, TX 78557

$190,000

3 bd · 1.0 ba · 1,175 sqft · SingleFamily public records · 287 Days on market

Built 2002 6,774 sqft lot Est $187k · at est. ↓ 3% 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 +18.2/30.0
• Appreciation +10.0/10.0
• ARV discount +6.7/15.0
• DSCR +5.7/10.0
• 1% rule +5.3/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0

Listing remarks

Motivated Seller!!! Great started home!! you will enjoy a house with great space, open concept kitchen living and dining areas. 3 Bedrooms with ceiling fans, and good size. The bathrooms remodeled with shower and beautiful tile also large toilets. The garage was converted to a TV room, with screen and projector included. Large Laundry room with new tile floor also. The backyard is large with side entrance and a covered patio that can be used as carport. Recent installed roof! The location is so great! Close to schools, walking distance to Valley View HS, close to international bridge and in a corner lot!! Motivated Seller, send an Offer!!

Key facts

• Open concept kitchen
• Converted garage
• Covered patio

Tags

• OPEN CONCEPT KITCHEN
• REMODELED BATHROOMS
• CONVERTED GARAGE
• LARGE LAUNDRY ROOM
• COVERED PATIO
• RECENT INSTALLED ROOF

Property features AI

Finance

• HOA & community: No HOA

Exterior

• Parking: 2 covered parking spaces; 2-car carport; No garage (garage faces side)
• Utilities: Public water; City sewer; Electric water heater
• Home design: Brick construction; Shingle roof; Slab foundation; Seller-measured living area
• Construction: Brick exterior; Shingle roof; Slab foundation
• Exterior features: Mature trees; Covered patio; Sidewalks; Wood fencing; Paved road access

Interior

• Kitchen: Microwave; Electric water heater
• Bedrooms: Master bedroom with walk-in closet
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning; Thermostat
• Interior features: Laminate countertops; Bonus room; Ceiling fans; Walk-in closets; Window coverings
• Laundry & utility: Laundry room with washer/dryer connection

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $169 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $167k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.4% vs local median 4.2% in Hidalgo — 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 68/100 on livability (#488 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities F, commute F, employment F.
• Valley View ISD (suburban): math 24% / reading 38% proficiency, ranked #631 of 826 in TX (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 85% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Wilbur E Lucas El (math 32% / reading 37%, grade F, #1,995 of 4,322 statewide, top 50%, 468 students, 94% FRL); Valley View J H (math 23% / reading 35%, grade F, #1,103 of 1,662 statewide, top 67%, 483 students, 95% FRL); Valley View H S (math 12% / reading 47%, grade F, #1,112 of 1,632 statewide, top 70%, 1,170 students, 96% FRL).
• Market conditions: 98 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).

Forward outlook

• In year one you build about $20k of equity ($1k loan paydown + $19k appreciation (10.0% local appreciation)).
• Hidalgo County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $53k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 287 days — a 12% lower offer ($167k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% 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 $167,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 287 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 1.03% ✓
• Cap rate: 7.36%
• Cash-on-cash: 3.82%
• DSCR: 1.17
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $186,825
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3009 Laurel St	0.39mi	3/2.0	1,250 (+6%)	6mo	$234,000	$187	63
707 Golfo St	0.53mi	3/1.0	1,178 (+0%)	19mo	$140,000	$119	59
2908 Monterrey St	0.45mi	3/2.0	1,263 (+8%)	11mo	$155,000	$123	53
305 N Golfo St	0.64mi	3/2.5	1,172 (-0%)	19mo	$155,000	$132	48
2606 Datil St	0.65mi	3/2.0	1,198 (+2%)	19mo	$199,000	$166	46
2406 Victoria St	0.64mi	3/1.5	1,275 (+8%)	12mo	$208,000	$163	44
2616 Palo Blanco St	0.69mi	3/2.0	1,227 (+4%)	19mo	$205,000	$167	41
309 Sabinas St	0.34mi	3/2.0	1,344 (+14%)	18mo	$175,000	$130	41
2500 Victoria St	0.62mi	3/2.0	1,099 (-6%)	20mo	$175,000	$159	40
2305 Monterrey St	0.73mi	3/2.0	1,231 (+5%)	19mo	$172,000	$140	38
2900 E Palo Blanco St	0.60mi	3/2.5	1,348 (+15%)	6mo	$232,900	$173	36

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

Projected returns pro-forma

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

5-year hold

• IRR: 27.0%
• Equity multiple: 3.15×
• Total profit: $114,325
• Equity at exit: $171,167

10-year hold

• IRR: 23.7%
• Equity multiple: 7.17×
• Total profit: $328,321
• Equity at exit: $369,128

Cash invested: $53,200 (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 78557

• Home prices YoY: 17.9%
• Active inventory: 98
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,950 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$296 /mo · $3,548/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$410
• Net cashflow: $169

Break-even live

Break-even rent $1,736

Max offer price $190,000

Occupancy floor 86%

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2304 E Tamarindo Ave Hidalgo, TX	3.0	2.0	1442	$1,950	$1.35	23d	1	1.08mi

Listing history 22 events

1. 2026-06-19
   days on market $190,000 Active 287 DOM
2. 2026-06-18
   days on market $190,000 Active 286 DOM
3. 2026-06-17
   days on market $190,000 Active 285 DOM
4. 2026-06-16
   days on market $190,000 Active 284 DOM
5. 2026-06-15
   days on market $190,000 Active 283 DOM
6. 2026-06-14
   days on market $190,000 Active 281 DOM
7. 2026-06-12
   days on market $190,000 Active 280 DOM
8. 2026-06-09
   pricedays on market $190,000 Active 277 DOM
9. 2026-06-08
   days on market $204,500 Active 276 DOM
10. 2026-06-07
    days on market $204,500 Active 275 DOM
11. 2026-06-05
    days on market $204,500 Active 272 DOM
12. 2026-06-03
    days on market $204,500 Active 271 DOM
13. 2026-06-02
    days on market $204,500 Active 270 DOM
14. 2026-06-01
    days on market $204,500 Active 269 DOM
15. 2026-05-31
    days on market $204,500 Active 268 DOM
16. 2026-05-30
    days on market $204,500 Active 267 DOM
17. 2026-05-19
    price $204,500
18. 2026-04-10
    price $204,900
19. 2026-03-04
    price $205,000
20. 2026-01-22
    price $207,900
21. 2025-11-07
    price $208,000
22. 2025-09-05
    listed $210,000 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: $3,548 · $296/mo
• Projected year-2 tax: $3,548 · $296/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 6/10 Major FEMA zone X (shaded) · 71% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% 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: $23,400
• − Mortgage interest: −$10,643
• − Property taxes: −$3,548
• − Insurance: −$950
• − Repairs & maintenance: −$1,872
• − Management: −$1,872
• − Depreciation: −$5,527
• Taxable loss: −$1,012
• Est. tax savings @ 24.0%: +$243
• After-tax cash flow: $2,274/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: Valley View ISD
• NCES district ID: 4843800
• Math proficiency: 24% ▼ -42.00%
• Reading proficiency: 38% ▼ -16.00%
• Median HH income: $33,158
• Composite: 25.37/100
• National rank: #7473
• State rank: #631 of 826 in TX

Livability — Hidalgo

• Score: 68/100
• State rank: #488
• US rank: #9681

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hidalgo, TX
• City population: 14,250
• Population (ZIP): 14,250

Population outlook (Hidalgo County) Hauer SSP2

• Today (2025): 955,232 people
• By 2030: 1,009,774 · +5.7%
• By 2040: 1,120,332 · +17.3%
• By 2050: 1,225,036 · +28.2%
• By 2075: 1,439,189 · +50.7%
• By 2100: 1,533,429 · +60.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (99%)
• Race & ethnicity: Hispanic / Latino 99% Two or more races 47%
• Hispanic origin (detail): Mexican 93%
• Foreign-born: 39% · Canada
• Languages at home: 6% English-only · Spanish 94%

Political lean MEDSL · Hidalgo

• 2024 margin: Toss-up / Even · D 48.1% · R 51.0%
• 2008→2024 swing: -41.6pp toward R · 2008: 38.7pp · 2024: -2.9pp
• All cycles: 2024: R+2.9 2020: D+17.1 2016: D+40.5 2012: D+41.8 2008: D+38.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 34.26%
• Current HPI: 225.701
• 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

-2.6% since first listed

6 events — show timeline

• 2026-05-19 Price Changed $204,500 MCALLENMLS
• 2026-04-10 Price Changed $204,900 MCALLENMLS
• 2026-03-04 Price Changed $205,000 MCALLENMLS
• 2026-01-22 Price Changed $207,900 MCALLENMLS
• 2025-11-07 Price Changed $208,000 MCALLENMLS
• 2025-09-05 Listed $210,000 MCALLENMLS

Property tax history

+5.0%/yr

Latest (2025): $3,548 · +1.2% YoY. Source: county tax records.