1414 Live Oak Dr · Temple, TX 76504

$174,900

3 bd · 1.0 ba · 1,538 sqft · SingleFamily public records · 1 Days on market

Built 1954 9,600 sqft lot Est $198k · 12% under

---

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 +12.8/15.0
• Cash flow +8.9/30.0
• 1% rule +3.8/10.0
• Livability +3.8/5.0
• Schools +2.7/10.0
• Rent growth +2.6/5.0
• DSCR +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Charm and personality is what you will see in this adorable 3 bedroom home with open large living, dining and kitchen. Updated throughout, neutral colored paint, beautiful wood looking floors, with original wood floors underneath. Gourmet kitchen with updated gas stove, microwave, dishwasher, countertops, cabinets and sink. All 3 bedrooms are nice size, bathroom has been remodeled with new subflooring and floor, double sinks, fixtures, and tile. Recent roof, windows, a/c unit and so much more. You will love spending time in the private backyard with the large extended covered patio great for entertaining or just relaxing. Workshop/storage bldg with electricity, mature trees, additional park

Key facts

• Private backyard
• Gourmet kitchen
• Additional parking

Tags

• GOURMET KITCHEN
• PRIVATE BACKYARD
• LARGE EXTENDED COVERED PATIO
• WORKSHOP STORAGE BLDG
• MATURE TREES
• ADDITIONAL PARKING

Property features AI

Finance

• Other: City lot with approximately 80 x 120 dimensions; Fencing includes back yard chain link, privacy, and wood options
• Financial info: No financial details provided
• HOA & community: Curbs and gutters; Street lights

Exterior

• Parking: No parking details provided
• Security: Owned security system; Smoke detector(s)
• Utilities: Cable available; Electricity available (electricity on property); Natural gas connected; High speed internet available; Public sewer; Public water; Public trash collection
• Home design: Single-story; Resale property
• Construction: Frame and stone construction; Composition/shingle roof; Pillar/post/pier foundation; Built according to assessor records
• Exterior features: Covered patio; Private yard; Storage structure

Interior

• Kitchen: Dishwasher; Disposal; Gas range; Microwave; Range; Water heater (see remarks)
• Bedrooms: Total of 9 rooms in the home
• Flooring: Laminate; Linoleum
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (natural gas); Central air conditioning (electric, one unit)
• Interior features: Built-in features; Ceiling fan(s); Carbon monoxide detector; Crown molding; Entrance foyer; His and hers closets; Multiple closets; Open floorplan; Custom cabinets; Kitchen and family room combined; Kitchen and dining combined; See remarks
• Laundry & utility: Washer hookup; Electric dryer hookup; Gas dryer hookup; Laundry room / laundry in utility room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $-140 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $150k (14.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $154k (12.1% below list).
• Recommended offer: $150k (14.1% below list) — sets the bar for cash-flow.
• Cap rate 5.3% vs local median 3.6% in Temple — 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 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 276 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).
• This rent runs 35% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 9y 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: built in 1954 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 70% chance of damaging wind over 30y; extreme-heat days projected 6→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $150,228 (14.1% 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. Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is D 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?
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: 0.88% ✗
• Cap rate: 5.33%
• Cash-on-cash: -3.42%
• DSCR: 0.85
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $198,402
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2616 W Avenue P	0.10mi	3/2.0	1,526 (-1%)	6mo	$75,500	$49	85
4811 George Cunningham Loop	0.07mi	3/2.5	1,360 (-12%)	2mo	$193,990	$143	70
4727 George Cunningham Loop	0.07mi	3/2.5	1,360 (-12%)	2mo	$198,990	$146	69
1913 S 51st St	0.35mi	3/1.5	1,470 (-4%)	6mo	$157,000	$107	69
1718 S 39th St	0.54mi	3/1.0	1,501 (-2%)	6mo	$175,000	$117	66
2106 S 47th St	0.53mi	3/2.0	1,498 (-3%)	2mo	$224,900	$150	66
2222 S 47th St	0.62mi	3/2.0	1,545 (+0%)	1mo	$236,000	$153	66
2014 S 47th St	0.50mi	3/1.0	1,434 (-7%)	3mo	$155,000	$108	63
2205 S 53rd St	0.50mi	3/2.0	1,648 (+7%)	2mo	$213,000	$129	59
1704 S 41st St	0.47mi	3/2.0	1,403 (-9%)	3mo	$190,000	$135	57
2202 S 53rd St	0.48mi	3/2.0	1,729 (+12%)	2mo	$181,500	$105	51
1818 S 35th St	0.70mi	4/2.0 (+1)	1,734 (+13%)	4mo	$160,000	$92	34

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 · 0.33% rent growth · sell at horizon

5-year hold

• IRR: -25.4%
• Equity multiple: 0.16×
• Total profit: $-41,147
• Equity at exit: $26,078

10-year hold

• IRR: -34.7%
• Equity multiple: -0.28×
• Total profit: $-62,474
• Equity at exit: $15,122

Cash invested: $48,972 (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 76504

• Rents YoY: 0.3%
• Active inventory: 276
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,537 high
• Mortgage (P&I): −$917
• Tax from tax record: −$364 /mo · $4,369/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $-140

Break-even live

Break-even rent $1,714

Max offer price $150,228

Occupancy floor —

Sensitivity live

Price	-10% $-41	-5% $-90	+0% $-140	+5% $-189	+10% $-239
Rent	-10% $-261	-5% $-200	+0% $-140	+5% $-79	+10% $-18
Rate	-1.0pp $-52	-0.5pp $-95	base $-140	+0.5pp $-185	+1.0pp $-231

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: $43,725
• Closing costs: $5,247
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1506 Live Oak Dr Temple, TX	3.0	2.0	1571	$1,475	$0.94	44d	1	0.02mi
3010 Ira Young Dr Temple, TX	1.0–2.0	1.0–2.0	1097	$1,610	$1.47	14d	5	0.21mi
2803 Ira Young Dr Temple, TX	1.0–2.0	1.0–2.0	893	$1,800	$2.02	14d	3	0.25mi
1401 S 47th St Temple, TX	3.0	1.0	1204	$1,395	$1.16	44d	1	0.28mi
3009 Ira Young Dr Temple, TX	1.0–2.0	1.0–2.0	940	$1,800	$1.91	14d	10	0.37mi
1508 S 43rd St Temple, TX	3.0	2.0	1164	$1,495	$1.28	44d	1	0.38mi
2008 S 55th St Temple, TX	2.0	2.5	1242	$1,110	$0.89	44d	1	0.38mi
1519 S 43rd St Temple, TX	3.0	2.0	1400	$1,595	$1.14	14d	1	0.41mi
1817 S 45th St Temple, TX	3.0	2.0	1288	$1,495	$1.16	24d	1	0.43mi
2106 S 47th St Temple, TX	3.0	2.0	1498	$1,645	$1.10	14d	1	0.52mi
1609 S 39th St Temple, TX	3.0	1.0	1207	$1,500	$1.24	44d	1	0.55mi
1606 S 37th St Temple, TX	2.0	1.0	1264	$1,400	$1.11	44d	1	0.59mi
3311 SW H K Dodgen Loop Temple, TX	2.0	2.0	1150	$1,199	$1.04	44d	1	0.68mi
2102 Scott Blvd Temple, TX	1.0–3.0	1.0–2.0	924	$2,165	$2.34	14d	22	0.69mi
506A Keller Rd Temple, TX	3.0	2.0	1232	$1,010	$0.82	24d	1	0.74mi
2012 S 31st St Temple, TX	3.0	2.0	1273	$1,919	$1.51	44d	1	0.76mi
405A Cheyenne Dr Temple, TX	3.0	2.0	1177	$1,225	$1.04	14d	1	0.83mi
3007 Antelope Trl Temple, TX	1.0–3.0	1.0–2.0	940	$1,550	$1.65	14d	18	0.93mi
1001 S 29th St Temple, TX	3.0	1.0	1080	$1,400	$1.30	24d	1	0.94mi
2510 S 31st St Temple, TX	1.0–3.0	1.0–2.0	987	$1,640	$1.66	14d	26	1.02mi
2909 Oakdale Dr Temple, TX	3.0	2.0	1732	$1,600	$0.92	44d	1	1.04mi
420 S 27th St Temple, TX	2.0	2.0	1200	$1,395	$1.16	14d	1	1.17mi
1806 S 19th St Temple, TX	3.0	2.0	1640	$1,300	$0.79	24d	1	1.22mi
2506 Blue Jay Dr Temple, TX	4.0	2.0	1549	$1,650	$1.07	44d	1	1.24mi
3301 East Dr Temple, TX	3.0	2.0	1457	$3,900	$2.68	44d	1	1.29mi
1317 S 15th St Temple, TX	3.0	1.0	1751	$1,495	$0.85	24d	1	1.36mi
1809 S 13th St Temple, TX	3.0	1.5	1172	$1,350	$1.15	44d	1	1.43mi
4102 W Adams Ave Temple, TX	1.0–3.0	1.0–2.0	955	$1,385	$1.45	14d	16	1.45mi
2017 S 13th St Temple, TX	3.0	2.0	1429	$1,525	$1.07	24d	1	1.47mi
1615 S 11th St Temple, TX	2.0	1.0	1076	$1,995	$1.85	14d	1	1.48mi

Listing history 2 events

1. 2026-06-19
   remarks 699-char remark
2. 2026-06-19
   listed $174,900 Active 1 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: $4,369 · $364/mo
• Projected year-2 tax: $4,369 · $364/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 3/10 Moderate
• 🌡 Heat 7/10 Severe 6 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 70% 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: $18,448
• − Mortgage interest: −$9,797
• − Property taxes: −$4,369
• − Insurance: −$874
• − Repairs & maintenance: −$1,476
• − Management: −$1,476
• − Depreciation: −$5,088
• Taxable loss: −$4,632
• Est. tax savings @ 24.0%: +$1,112
• After-tax cash flow: $-564/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: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 26,166
• Household income: $52,803
• Rent vs Own: 68.6% rent · 31.4% own
• Severe rent burden: 1489.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 49% Hispanic / Latino 29% Black 15% Two or more races 14% Asian 1%
• Hispanic origin (detail): Mexican 24% Puerto Rican 2%
• Common ancestry: Italian 2% Romanian 2% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -159.28%
• Current HPI: 186.1148
• Rent YoY: ▲ 0.33%
• 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

+37.7% since first listed

11 events — show timeline

• 2026-06-18 Listed $174,900 CTXMLS
• 2018-04-03 Sold (Public Records) — Public Records
• 2018-03-13 Listing Removed — CTXMLS
• 2018-03-02 Pending — CTXMLS
• 2018-02-21 Price Changed $114,900 CTXMLS
• 2017-11-21 Price Changed $115,900 CTXMLS
• 2017-10-10 Relisted — CTXMLS
• 2017-10-06 Pending — CTXMLS
• 2017-09-28 Listed $127,000 CTXMLS
• 2014-09-24 Sold (Public Records) — Public Records
• 1983-08-08 Sold (Public Records) — Public Records

Property tax history

+6.8%/yr

Latest (2026): $4,369 · -6.1% YoY. Source: county tax records.