3214 Rancho Grande · San Antonio, TX 78224

$295,000

4 bd · 3.0 ba · 2,394 sqft · SingleFamily public records · 166 Days on market

Built 2021 4,748 sqft lot $123/sqft · 5% below area Est $311k · 5% under $30/mo HOA · 1% of rent ↓ 4% 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).

• Appreciation +10.0/10.0
• ARV discount +9.8/15.0
• Cash flow +4.7/30.0
• Livability +4.0/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Schools +2.2/10.0
• 1% rule +1.8/10.0
• DSCR +0.0/10.0

Listing remarks MLS

Welcome to 3214 Rancho Grande, a charming home located on San Antonio's South Side with easy access to downtown, major highways, and local amenities. This property offers a functional layout with comfortable living spaces, making it a great option for homeowners or investors alike.The home features a spacious living area, well-sized bedrooms, and a practical kitchen setup ideal for everyday living or entertaining. Outside, enjoy a generous yard with room to relax, garden, or customize to your needs. Conveniently located near schools, shopping, and dining, this property combines value and location.Whether you're looking for a primary residence or an investment opportunity, 3214 Rancho Grande presents strong potential in a growing area of San Antonio. OPEN HOUSE THIS SUNDAY MAY 9TH FROM 12pm-3pm !! Come by and see your next home. A RAFFLE WILL BE HELD AT THE OPEN HOUSE !!

Key facts

• Generous yard
• Spacious living area
• Local amenities

Tags

• EASY ACCESS TO DOWNTOWN
• MAJOR HIGHWAYS
• LOCAL AMENITIES
• SPACIOUS LIVING AREA
• PRACTICAL KITCHEN SETUP
• GENEROUS YARD

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $295k.

Deal economics

• At list price, monthly cash flow is $-740 ($-9k/yr) — negative.
• To cash-flow at today's rent, offer at most $164k (44.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $200k (32.1% below list).
• Recommended offer: $164k (44.3% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools C-, crime F.
• Southwest ISD (rural): math 21% / reading 31% proficiency, ranked #701 of 826 in TX (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 274 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% of comp listings sitting > 30 days — soft ceiling on asking rent; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 40% of the median local income ($60k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $32k of equity ($2k loan paydown + $30k appreciation (10.0% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$51k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 166 days — a 12% lower offer ($260k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 2.5% of price.
• Climate carrying-cost: severe wind risk, 80% 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 $164,224 (44.3% 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 166 days. Have you received any prior offers? Is the seller open to a 44% concession, seller financing, or rate buy-down credit?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Crime grade is F 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?
8. 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?
9. 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.
10. 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.
11. 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: 0.68% ✗
• Cap rate: 3.28%
• Cash-on-cash: -10.75%
• DSCR: 0.52
• GRM: 12.3

CMA / ARV

• ARV (median comp): $311,063
• List price: $295,000
• Delta: -5.16%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3263 Old Almonte	0.08mi	4/2.5	2,711 (+13%)	2mo	$299,000	$110	71
10406 Labrado	0.09mi	3/2.5 (-1)	2,088 (-13%)	2mo	$260,000	$125	66
10015 Rancho Real	0.25mi	4/2.5	2,188 (-9%)	7mo	$275,000	$126	66
2523 Rambo Dr	0.71mi	4/3.0	2,396 (+0%)	6mo	$329,790	$138	61
3247 Old Almonte	0.06mi	5/3.0 (+1)	2,743 (+15%)	11mo	$289,990	$106	59
10410 Espada Pass	0.32mi	4/2.0	2,708 (+13%)	7mo	$286,752	$106	54
2522 Rambo Dr	0.74mi	4/2.5	2,260 (-6%)	1mo	$314,990	$139	53
2507 Rambo Dr	0.74mi	4/2.5	2,260 (-6%)	3mo	$319,990	$142	52
2527 Rambo Dr	0.71mi	4/2.5	2,511 (+5%)	7mo	$335,375	$134	51
3203 Coconino Dr	0.68mi	4/3.0	2,134 (-11%)	1mo	$205,000	$96	50
10323 Liberty Grv	0.73mi	4/2.5	2,111 (-12%)	1mo	$306,255	$145	44
2442 Redlove Dr	0.74mi	4/2.5	2,125 (-11%)	8mo	$279,990	$132	38

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 · 0.83% rent growth · sell at horizon

5-year hold

• IRR: 16.2%
• Equity multiple: 2.32×
• Total profit: $109,441
• Equity at exit: $265,759

10-year hold

• IRR: 15.2%
• Equity multiple: 5.26×
• Total profit: $351,836
• Equity at exit: $573,120

Cash invested: $82,600 (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 78224

• Home prices YoY: 12.4%
• Rents YoY: 0.8%
• Active inventory: 274
• Price-to-rent: 12.3×

Monthly cashflow live

• Estimated rent: $2,002 high
• Mortgage (P&I): −$1,547
• Tax from tax record: −$622 /mo · $7,461/yr
• Insurance: −$123
• HOA: −$30
• Vacancy / Maint / Mgmt: −$420
• Net cashflow: $-740

Break-even live

Break-even rent $2,939

Max offer price $164,224

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: $73,750
• Closing costs: $8,850
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3322 Rancho Grande San Antonio, TX	4.0	2.5	2094	$1,895	$0.90	11d	1	0.17mi
10119 Jardin Verde San Antonio, TX	3.0	2.5	1944	$1,750	$0.90	43d	1	0.22mi
3331 Rosita Way San Antonio, TX	3.0	2.5	1848	$1,800	$0.97	43d	1	0.33mi
3434 Hacienda Way San Antonio, TX	4.0	2.5	2141	$1,900	$0.89	16d	1	0.35mi
3434 Hacienda Way San Antonio, TX	4.0	2.5	2141	$2,000	$0.93	21d	1	0.35mi
3523 Rancho Grande San Antonio, TX	4.0	3.0	2393	$2,000	$0.84	1d	1	0.42mi
2434 Dry Moss Way San Antonio, TX	4.0	2.5	2417	$2,500	$1.03	1d	1	0.76mi
2343 Applewhite Mdw San Antonio, TX	4.0	2.5	1798	$1,795	$1.00	23d	1	0.85mi
2318 Applewhite Mdw San Antonio, TX	4.0	2.5	1798	$1,795	$1.00	23d	1	0.90mi
2307 Applewhite Mdw San Antonio, TX	4.0	2.5	1798	$1,750	$0.97	43d	1	0.92mi
2242 Fishing Trl San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	43d	1	1.01mi
2235 Fishing Trl San Antonio, TX	4.0	2.5	1847	$1,755	$0.95	43d	1	1.01mi
2230 Fishing Trl San Antonio, TX	4.0	2.5	1847	$1,755	$0.95	23d	1	1.04mi
2226 Fishing Trl San Antonio, TX	3.0	2.5	1777	$1,650	$0.93	23d	1	1.05mi
2222 Fishing Trl San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	23d	1	1.06mi
9427 Somers Bnd San Antonio, TX	3.0	2.5	1950	$1,650	$0.85	43d	1	1.07mi
2115 Bigmouth Rod San Antonio, TX	4.0	2.5	1847	$1,755	$0.95	43d	1	1.10mi
2111 Bigmouth Rod San Antonio, TX	4.0	2.5	1917	$1,700	$0.89	43d	1	1.11mi
2107 Bigmouth Rod San Antonio, TX	3.0	2.5	1777	$1,675	$0.94	43d	1	1.12mi
9419 Trap Rock Dr San Antonio, TX	4.0	2.5	2126	$1,750	$0.82	4d	1	1.12mi
10719 Butterfly Pass San Antonio, TX	3.0	2.5	1645	$1,640	$1.00	43d	1	1.23mi
10723 Butterfly Pass San Antonio, TX	4.0	2.5	1687	$1,675	$0.99	43d	1	1.23mi
10523 Goose Way San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	43d	1	1.23mi
10710 Butterfly Pass San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	43d	1	1.25mi
10723 Goose Way San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	43d	1	1.27mi
1347 Neria LOOP San Antonio, TX	4.0	2.5	2173	$1,699	$0.78	43d	1	1.45mi
10811 Soupe CV San Antonio, TX	4.0	2.5	2173	$1,995	$0.92	2d	1	1.45mi

HOA detail

• Monthly dues: $30 · $360/yr

Listing history 19 events

1. 2026-06-18
   days on market $295,000 Active 166 DOM
2. 2026-06-17
   days on market $295,000 Active 165 DOM
3. 2026-06-16
   days on market $295,000 Active 164 DOM
4. 2026-06-15
   days on market $295,000 Active 163 DOM
5. 2026-06-13
   days on market $295,000 Active 161 DOM
6. 2026-06-09
   days on market $295,000 Active 157 DOM
7. 2026-06-08
   days on market $295,000 Active 156 DOM
8. 2026-06-07
   days on market $295,000 Active 155 DOM
9. 2026-06-04
   days on market $295,000 Active 152 DOM
10. 2026-06-03
    days on market $295,000 Active 151 DOM
11. 2026-06-02
    days on market $295,000 Active 150 DOM
12. 2026-06-01
    days on market $295,000 Active 149 DOM
13. 2026-05-31
    days on market $295,000 Active 148 DOM
14. 2026-04-22
    price $295,000 882-char remark

    Show marketing remark (882 chars)

    Welcome to 3214 Rancho Grande, a charming home located on San Antonio's South Side with easy access to downtown, major highways, and local amenities. This property offers a functional layout with comfortable living spaces, making it a great option for homeowners or investors alike.The home features a spacious living area, well-sized bedrooms, and a practical kitchen setup ideal for everyday living or entertaining. Outside, enjoy a generous yard with room to relax, garden, or customize to your needs. Conveniently located near schools, shopping, and dining, this property combines value and location.Whether you're looking for a primary residence or an investment opportunity, 3214 Rancho Grande presents strong potential in a growing area of San Antonio. OPEN HOUSE THIS SUNDAY MAY 9TH FROM 12pm-3pm !! Come by and see your next home. A RAFFLE WILL BE HELD AT THE OPEN HOUSE !!

15. 2026-04-20
    status Back on Market 882-char remark

    Show marketing remark (882 chars)

    Welcome to 3214 Rancho Grande, a charming home located on San Antonio's South Side with easy access to downtown, major highways, and local amenities. This property offers a functional layout with comfortable living spaces, making it a great option for homeowners or investors alike.The home features a spacious living area, well-sized bedrooms, and a practical kitchen setup ideal for everyday living or entertaining. Outside, enjoy a generous yard with room to relax, garden, or customize to your needs. Conveniently located near schools, shopping, and dining, this property combines value and location.Whether you're looking for a primary residence or an investment opportunity, 3214 Rancho Grande presents strong potential in a growing area of San Antonio. OPEN HOUSE THIS SUNDAY MAY 9TH FROM 12pm-3pm !! Come by and see your next home. A RAFFLE WILL BE HELD AT THE OPEN HOUSE !!

16. 2026-04-09
    historical Active Option 882-char remark

    Show marketing remark (882 chars)

    Welcome to 3214 Rancho Grande, a charming home located on San Antonio's South Side with easy access to downtown, major highways, and local amenities. This property offers a functional layout with comfortable living spaces, making it a great option for homeowners or investors alike.The home features a spacious living area, well-sized bedrooms, and a practical kitchen setup ideal for everyday living or entertaining. Outside, enjoy a generous yard with room to relax, garden, or customize to your needs. Conveniently located near schools, shopping, and dining, this property combines value and location.Whether you're looking for a primary residence or an investment opportunity, 3214 Rancho Grande presents strong potential in a growing area of San Antonio. OPEN HOUSE THIS SUNDAY MAY 9TH FROM 12pm-3pm !! Come by and see your next home. A RAFFLE WILL BE HELD AT THE OPEN HOUSE !!

17. 2026-03-13
    price $299,999 882-char remark

    Show marketing remark (882 chars)

    Welcome to 3214 Rancho Grande, a charming home located on San Antonio's South Side with easy access to downtown, major highways, and local amenities. This property offers a functional layout with comfortable living spaces, making it a great option for homeowners or investors alike.The home features a spacious living area, well-sized bedrooms, and a practical kitchen setup ideal for everyday living or entertaining. Outside, enjoy a generous yard with room to relax, garden, or customize to your needs. Conveniently located near schools, shopping, and dining, this property combines value and location.Whether you're looking for a primary residence or an investment opportunity, 3214 Rancho Grande presents strong potential in a growing area of San Antonio. OPEN HOUSE THIS SUNDAY MAY 9TH FROM 12pm-3pm !! Come by and see your next home. A RAFFLE WILL BE HELD AT THE OPEN HOUSE !!

18. 2026-03-04
    price $307,000 882-char remark

    Show marketing remark (882 chars)

    Welcome to 3214 Rancho Grande, a charming home located on San Antonio's South Side with easy access to downtown, major highways, and local amenities. This property offers a functional layout with comfortable living spaces, making it a great option for homeowners or investors alike.The home features a spacious living area, well-sized bedrooms, and a practical kitchen setup ideal for everyday living or entertaining. Outside, enjoy a generous yard with room to relax, garden, or customize to your needs. Conveniently located near schools, shopping, and dining, this property combines value and location.Whether you're looking for a primary residence or an investment opportunity, 3214 Rancho Grande presents strong potential in a growing area of San Antonio. OPEN HOUSE THIS SUNDAY MAY 9TH FROM 12pm-3pm !! Come by and see your next home. A RAFFLE WILL BE HELD AT THE OPEN HOUSE !!

19. 2026-01-03
    listed $307,500 New 882-char remark

    Show marketing remark (882 chars)

    Welcome to 3214 Rancho Grande, a charming home located on San Antonio's South Side with easy access to downtown, major highways, and local amenities. This property offers a functional layout with comfortable living spaces, making it a great option for homeowners or investors alike.The home features a spacious living area, well-sized bedrooms, and a practical kitchen setup ideal for everyday living or entertaining. Outside, enjoy a generous yard with room to relax, garden, or customize to your needs. Conveniently located near schools, shopping, and dining, this property combines value and location.Whether you're looking for a primary residence or an investment opportunity, 3214 Rancho Grande presents strong potential in a growing area of San Antonio. OPEN HOUSE THIS SUNDAY MAY 9TH FROM 12pm-3pm !! Come by and see your next home. A RAFFLE WILL BE HELD AT THE OPEN HOUSE !!

ⓘ 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: $7,461 · $622/mo
• Projected year-2 tax: $7,461 · $622/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 8/10 Severe 7 d/yr ≥109°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $24,021
• − Mortgage interest: −$16,525
• − Property taxes: −$7,461
• − Insurance: −$1,475
• − Repairs & maintenance: −$1,922
• − Management: −$1,922
• − HOA: −$360
• − Depreciation: −$8,582
• Taxable loss: −$14,225
• Est. tax savings @ 24.0%: +$3,414
• After-tax cash flow: $-5,470/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: Southwest ISD
• NCES district ID: 4840950
• Math proficiency: 21% ▼ -21.00%
• Reading proficiency: 31% ▼ -5.00%
• Median HH income: $43,362
• Composite: 22.22/100
• National rank: #8153
• State rank: #701 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: San Antonio, TX
• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 22,232
• Household income: $59,891
• Rent vs Own: 42.3% rent · 57.7% own
• Severe rent burden: 721.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (90%)
• Race & ethnicity: Hispanic / Latino 90% Two or more races 24% White 6% Native American 2% Asian 2%
• Hispanic origin (detail): Mexican 75%
• Common ancestry: Italian 1%
• Foreign-born: 18% · Canada, Vietnam, China
• Languages at home: 44% English-only · Spanish 55% Chinese 1%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 29.95%
• Current HPI: 272.0709
• Rent YoY: ▲ 0.83%
• Metro: San Antonio-New Braunfels, 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

-4.1% since first listed

6 events — show timeline

• 2026-04-22 Price Changed $295,000 LERA
• 2026-04-20 Relisted — LERA
• 2026-04-09 Contingent — LERA
• 2026-03-13 Price Changed $299,999 LERA
• 2026-03-04 Price Changed $307,000 LERA
• 2026-01-03 Listed $307,500 LERA

Property tax history

+60.3%/yr

Latest (2025): $7,461 · -3.3% YoY. Source: county tax records.