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Timms Plan 🏗️ New Construction
F Composite 29.5
Why this score? — see what drove the F 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 +7.5/15.0
  • Cash flow +6.3/30.0
  • Condition / age +4.0/5.0
  • Schools +3.9/10.0
  • Livability +3.9/5.0
  • Rent growth +1.9/5.0
  • 1% rule +1.5/10.0
  • DSCR +0.6/10.0
  • Appreciation +0.0/10.0

$260,249

Timms Plan · Hutto, TX 78634
4 bd · 2.0 ba · 1,500 sqft · SingleFamily · 219 Days on market
Good condition ↓ 3% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This new single-level home features a modern and low-maintenance design. Three bedrooms can be found off the foyer, leading to an open-concept floorplan that combines the kitchen, living and dining areas. The luxe owner's suite is tucked into a private rear corner, complete with an en-suite bathroom and walk-in closet.

Key facts

  • Private rear corner
  • Modern design
  • Walk-in closet

Tags

MODERN DESIGNLOW MAINTENANCEOPEN-CONCEPT FLOORPLANPRIVATE REAR CORNEREN-SUITE BATHROOMWALK-IN CLOSET

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏗️ New construction. The $260,249 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $315,228.

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $260k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-562 ($-7k/yr) — negative.
  • To cash-flow at today's rent, offer at most $234k (10.1% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (21.4% below list).
  • Recommended offer: $205k (21.4% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 77/100 on livability (#79 in TX, #2,794 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities C-, commute F.
  • Hutto ISD (rural): math 30% / reading 42% proficiency, ranked #438 of 826 in TX (top 53%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Hutto El (math 33% / reading 45%, grade F, #1,651 of 4,322 statewide, top 39%, 744 students, 36% FRL); Hutto H S (math 35% / reading 54%, grade F, #652 of 1,632 statewide, top 43%, 2,010 students, 40% FRL) — zoned schools at 38% FRL track the district average.
  • Market conditions: Rents soft (-2.4%/yr); 1501 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 80d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 70% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 7,543 units permitted in Williamson County in 2024 (1,425 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
  • Williamson County population projected at +69% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 219 days — a 12% lower offer ($229k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $204,595 (21.4% 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 219 days. Have you received any prior offers? Is the seller open to a 21% 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
0.65%
Cap rate
4.15%
Cash-on-cash
-7.64%
DSCR
0.66
GRM
12.8

CMA / ARV

ARV (median comp)
$315,228
List price
$260,249
Delta
-17.44%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
200 Bubbling Brook Dr 0.48mi 3/2.0 (-1) 1,532 (+2%) 1mo $269,900 $176 68
106 Legends Of Hutto Trl 0.48mi 3/2.0 (-1) 1,554 (+4%) 1mo $299,000 $192 66
308 Babblebrook Way 0.28mi 4/2.0 1,671 (+11%) 4mo $329,000 $197 65
104 Paddington Way 0.70mi 3/2.0 (-1) 1,556 (+4%) 4mo $278,000 $179 53
215 Kerley Dr 0.41mi 3/2.0 (-1) 1,687 (+12%) 2mo $275,000 $163 53
118 Camellia Dr 0.72mi 3/2.0 (-1) 1,579 (+5%) 1mo $285,000 $180 52
6007 Lone Star Ct 0.58mi 3/2.0 (-1) 1,353 (-10%) 5mo $270,000 $200 48
4016 Kerley Ct 0.59mi 3/2.0 (-1) 1,358 (-10%) 6mo $275,000 $203 46
107 Adamae Ln 0.72mi 3/2.0 (-1) 1,416 (-6%) 7mo $289,000 $204 46
504 Milliner Loop 0.64mi 3/2.5 (-1) 1,638 (+9%) 3mo $305,000 $186 45
104 Lucky Clover Ln 0.49mi 3/2.0 (-1) 1,722 (+15%) 6mo $289,000 $168 43
122 Edison Dr 0.68mi 3/2.0 (-1) 1,685 (+12%) 7mo $299,000 $177 37

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 · 0.0% rent growth · sell at horizon

5-year hold
IRR
-33.0%
Equity multiple
-0.05×
Total profit
$-92,850
Equity at exit
$47,001
10-year hold
IRR
-61.6%
Equity multiple
-0.70×
Total profit
$-150,003
Equity at exit
$27,255

Cash invested: $88,264 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
48 active · 27 under contract
Months of supply
10.3 mo (10%/mo absorbed)
Median asking
$293,200 ($189/sqft)
Median days on market
127 d
This list price
15% of active listings are priced below it
ARV vs active asking
+11.2% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 78634

Rents YoY
-2.4%
Active inventory
1501
Price-to-rent
10.6×

Monthly cashflow live

Estimated rent
$2,046 high interval (Pro) →
Mortgage (P&I)
$1,653
Tax est. 1.5%
$394 /mo · $4,728/yr
Insurance
$131
HOA
$0
Vacancy / Maint / Mgmt
$430
Net cashflow
$-562

Break-even live

Break-even rent $2,758
Max offer price $233,881
Occupancy floor

Sensitivity live

Price -10% $-344 -5% $-453 +0% $-562 +5% $-671 +10% $-780
Rent -10% $-724 -5% $-643 +0% $-562 +5% $-481 +10% $-401
Rate -1.0pp $-403 -0.5pp $-482 base $-562 +0.5pp $-644 +1.0pp $-727

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
$78,807
Closing costs
$9,457
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
110 Cotton Creek Way Hutto, TX 4.0 2.5 1880 $1,975 $1.05 100d 1 0.05mi
107 Harvest Ln Hutto, TX 3.0 2.0 1242 $1,550 $1.25 9d 1 0.05mi
107 Harvest Ln Hutto, TX 3.0 2.0 1242 $1,750 $1.41 139d 1 0.05mi
105 Twilight Way Hutto, TX 3.0 2.0 1725 $1,775 $1.03 67d 1 0.05mi
105 Twilight Way Hutto, TX 3.0 2.5 1725 $1,775 $1.03 74d 1 0.05mi
216 Meadowside Dr Hutto, TX 3.0 2.0 1662 $1,995 $1.20 5d 1 0.07mi
107 Tanglewood Ln Hutto, TX 3.0 2.0 1510 $1,900 $1.26 113d 1 0.10mi
201 Orchard Way Hutto, TX 3.0 2.0 1696 $2,100 $1.24 63d 1 0.16mi
102 Aguilar Dr Hutto, TX 3.0 2.0 1687 $1,850 $1.10 110d 1 0.17mi
102 Aguilar Dr Hutto, TX 3.0 2.0 1687 $1,850 $1.10 113d 1 0.17mi
107 Aguilar Dr Hutto, TX 3.0 2.0 1750 $1,750 $1.00 108d 1 0.19mi
106 Hague St Hutto, TX 3.0 2.0 1399 $1,850 $1.32 23d 1 0.29mi
100 S Creekbend Dr Hutto, TX 3.0 2.0 2135 $2,200 $1.03 9d 1 0.36mi
104 Babblebrook Way Hutto, TX 4.0 2.5 2024 $2,510 $1.24 80d 1 0.37mi
405 Osier Pass Hutto, TX 4.0 2.0 1688 $1,895 $1.12 3d 1 0.37mi
315 Waterlily Way Hutto, TX 3.0 2.0 2154 $2,000 $0.93 6d 1 0.43mi
202 Lucky Clover Ln Hutto, TX 3.0 2.0 1462 $1,800 $1.23 139d 1 0.43mi
206 Holman Path Hutto, TX 3.0 2.0 1385 $2,300 $1.66 0d 1 0.44mi
405 Grasslands Trl Hutto, TX 4.0 3.0 2242 $2,300 $1.03 110d 1 0.46mi
104 Bankside Dr Hutto, TX 4.0 3.0 2100 $2,250 $1.07 106d 1 0.47mi
100 Montego St Hutto, TX 4.0 3.0 2032 $2,250 $1.11 84d 1 0.50mi
413 Peaceful Haven Way Hutto, TX 3.0 2.0 1900 $2,200 $1.16 69d 1 0.53mi
120 Milliner Loop Hutto, TX 3.0 2.0 1502 $2,150 $1.43 74d 1 0.53mi
603 Water Way Ave Hutto, TX 4.0 3.0 2032 $2,150 $1.06 23d 1 0.54mi
318 Canley Loop Hutto, TX 3.0 2.0 1430 $1,900 $1.33 100d 1 0.54mi
111 Mossy Rock Cv Hutto, TX 3.0 2.0 1462 $1,850 $1.27 80d 1 0.55mi
111 Mossy Rock Cv Hutto, TX 3.0 2.0 1462 $1,850 $1.27 87d 1 0.55mi
401 County Road 199 Hutto, TX 1.0–3.0 1.0–2.5 1013 $2,444 $2.41 0d 79 0.55mi
607 Water Way Ave Hutto, TX 4.0 2.0 1830 $1,995 $1.09 93d 1 0.55mi
602 Arnage Dr Hutto, TX 4.0 3.0 1968 $2,300 $1.17 139d 1 0.56mi
614 Milliner Loop Hutto, TX 4.0 2.0 1660 $2,199 $1.32 99d 1 0.56mi
104 Milliner Loop Hutto, TX 3.0 2.0 1502 $1,950 $1.30 108d 1 0.57mi
6007 Lone Star Ct Hutto, TX 3.0 2.0 1353 $1,950 $1.44 9d 1 0.59mi
203 E Pecan St Unit B Hutto, TX 3.0 2.0 1688 $1,900 $1.13 110d 1 0.60mi
220 Gainer Dr Hutto, TX 3.0 2.0 1681 $1,900 $1.13 23d 1 0.60mi
311 Gainer Dr Hutto, TX 3.0 2.0 1480 $1,895 $1.28 76d 1 0.63mi
311 Gainer Dr Hutto, TX 3.0 2.0 1480 $1,795 $1.21 59d 1 0.63mi
102 Sebring Cir Hutto, TX 4.0 2.0 1670 $1,995 $1.19 74d 1 0.64mi
212 Canley Loop Hutto, TX 3.0 2.0 1461 $1,800 $1.23 23d 1 0.65mi
230 Milliner Loop Hutto, TX 3.0 2.5 1872 $2,100 $1.12 97d 1 0.65mi

Listing history 50 events

  1. 2026-09-23
    days on market $260,249 Active 219 DOM
  2. 2026-09-22
    days on market $260,249 Active 218 DOM
  3. 2026-09-21
    days on market $260,249 Active 217 DOM
  4. 2026-09-20
    days on market $260,249 Active 216 DOM
  5. 2026-09-19
    days on market $260,249 Active 215 DOM
  6. 2026-09-18
    days on market $260,249 Active 214 DOM
  7. 2026-09-17
    days on market $260,249 Active 213 DOM
  8. 2026-09-16
    days on market $260,249 Active 212 DOM
  9. 2026-09-15
    days on market $260,249 Active 211 DOM
  10. 2026-09-14
    price $260,249 Active 210 DOM
  11. 2026-09-14
    days on market $257,249 Active 210 DOM
  12. 2026-09-13
    days on market $257,249 Active 209 DOM
  13. 2026-09-12
    days on market $257,249 Active 208 DOM
  14. 2026-09-11
    days on market $257,249 Active 207 DOM
  15. 2026-09-05
    days on market $257,249 Active 201 DOM
  16. 2026-09-04
    days on market $257,249 Active 200 DOM
  17. 2026-09-03
    pricedays on market $257,249 Active 199 DOM
  18. 2026-08-31
    days on market $254,249 Active 196 DOM
  19. 2026-08-30
    days on market $254,249 Active 195 DOM
  20. 2026-08-29
    days on market $254,249 Active 194 DOM
  21. 2026-08-28
    days on market $254,249 Active 193 DOM
  22. 2026-08-27
    days on market $254,249 Active 192 DOM
  23. 2026-08-25
    days on market $254,249 Active 190 DOM
  24. 2026-08-24
    days on market $254,249 Active 189 DOM
  25. 2026-08-23
    days on market $254,249 Active 188 DOM
  26. 2026-08-22
    days on market $254,249 Active 187 DOM
  27. 2026-08-21
    days on market $254,249 Active 186 DOM
  28. 2026-08-20
    days on market $254,249 Active 185 DOM
  29. 2026-08-19
    days on market $254,249 Active 184 DOM
  30. 2026-08-18
    days on market $254,249 Active 183 DOM
  31. 2026-08-17
    days on market $254,249 Active 182 DOM
  32. 2026-08-16
    days on market $254,249 Active 181 DOM
  33. 2026-08-15
    days on market $254,249 Active 180 DOM
  34. 2026-08-14
    days on market $254,249 Active 179 DOM
  35. 2026-08-13
    days on market $254,249 Active 178 DOM
  36. 2026-08-11
    days on market $254,249 Active 176 DOM
  37. 2026-08-10
    days on market $254,249 Active 175 DOM
  38. 2026-08-09
    days on market $254,249 Active 174 DOM
  39. 2026-08-08
    days on market $254,249 Active 173 DOM
  40. 2026-08-06
    days on market $254,249 Active 171 DOM
  41. 2026-08-05
    days on market $254,249 Active 170 DOM
  42. 2026-08-04
    days on market $254,249 Active 169 DOM
  43. 2026-08-03
    days on market $254,249 Active 168 DOM
  44. 2026-07-31
    days on market $254,249 Active 165 DOM
  45. 2026-07-30
    days on market $254,249 Active 163 DOM
  46. 2026-07-28
    days on market $254,249 Active 162 DOM
  47. 2026-07-26
    days on market $254,249 Active 160 DOM
  48. 2026-07-24
    days on market $254,249 Active 158 DOM
  49. 2026-07-23
    days on market $254,249 Active 157 DOM
  50. 2026-07-22
    days on market $254,249 Active 156 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$24,551
− Mortgage interest
−$17,658
− Property taxes
−$4,728
− Insurance
−$1,576
− Repairs & maintenance
−$1,964
− Management
−$1,964
− Depreciation
−$9,170
Taxable loss
−$12,509
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$3,002
After-tax cash flow
$-3,744/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 · 1 photo

Good 80/100 None rehab

This single-level home is in excellent condition with a modern design and low-maintenance features. It is move-in ready with potential for minor updates to enhance its curb appeal and interior aesthetics.

Value-add opportunities

  • Both Painting exterior and interior — Fresh paint enhances curb appeal and interior aesthetics
  • Both Landscaping improvements — Enhances curb appeal and adds value
  • Both Kitchen and bathroom updates — Modernizing these spaces can attract more buyers/renters
F Composite school gradezoned avg 39/100

Zoned Schools

Elementary Hutto El F TX #1,651/4,322 Nat'l #20,819/41,679 Middle Farley Middle F TX #930/1,662 Nat'l #8,059/14,009 High Hutto H S F TX #652/1,632 Nat'l #6,890/17,239

Schools (NCES district)

District
Hutto ISD
NCES district ID
4824100
Math proficiency
30% ▼ -17.00%
Reading proficiency
42% ▼ -5.00%
Median HH income
$72,961
Composite
33.33/100
National rank
#5501
State rank
#438 of 826 in TX
B Composite livability gradescore 77/100

Livability — Hutto

Score
77/100
State rank
#79
US rank
#2794

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Hutto, TX
County
Williamson County · 699,027 people
City population
46,413
Metro
Austin-Round Rock-Georgetown, TX
Population (ZIP)
46,413
Household income
$114,426
Rent vs Own
21.4% rent · 78.6% own
Severe rent burden
18% of renters

Population outlook (Williamson County) Hauer SSP2

Today (2025)
699,027 people
By 2030
795,537 · +13.8%
By 2040
990,683 · +41.7%
By 2050
1,184,292 · +69.4%
By 2075
1,623,825 · +132.3%
By 2100
1,924,153 · +175.3%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.62)
Race & ethnicity
White 50% Hispanic / Latino 35% Two or more races 18% Black 9% Asian 2%
Hispanic origin (detail)
Mexican 26% Puerto Rican 1%
Common ancestry
Slovak 2% Italian 2% Lithuanian 2%
Foreign-born
13% · Canada
Languages at home
71% English-only · Spanish 23% Other Indo-European 2% Arabic 1%

Political lean MEDSL · Williamson

2024 margin
Toss-up / Even · D 48.0% · R 50.4% · Other 1.6%
2008→2024 swing
+10.6pp toward D · 2008: -13.0pp · 2024: -2.5pp
All cycles
2024: R+2.5 2020: D+1.4 2016: R+9.9 2012: R+21.5 2008: R+13.0

Not yet ingested

Civics

Price history

-3.1% since first listed
5 events — show timeline
  • 2026-05-11 Price Changed $251,999 Zillow
  • 2026-05-08 Price Changed $254,999 Zillow
  • 2026-05-05 Price Changed $255,999 Zillow
  • 2026-03-31 Price Changed $259,999 Zillow
  • 2026-02-16 Listed $259,990 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…