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Stonegate Plan 🏗️ New Construction
F Composite 34.02
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).

  • Cash flow +8.2/30.0
  • ARV discount +7.5/15.0
  • Schools +5.0/10.0
  • Condition / age +3.8/5.0
  • Livability +3.4/5.0
  • 1% rule +2.6/10.0
  • DSCR +2.2/10.0
  • Rent growth +1.3/5.0
  • Appreciation +0.0/10.0

$346,900

Stonegate Plan · Celina, TX 75009
4 bd · 2.0 ba · 1,607 sqft · SingleFamily · 693 Days on market
Good condition ↓ 10% since listing

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

Listing remarks MLS

Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

Key facts

  • Covered patio
  • Rear entry
  • Large walk-in closet

Tags

REAR ENTRYCOVERED PATIOLARGE WALK-IN CLOSET

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
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🏗️ New construction. The $346,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $371,540.

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $347k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-347 ($-4k/yr) — negative.
  • To cash-flow at today's rent, offer at most $321k (7.4% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $281k (19.0% below list).
  • Recommended offer: $281k (19.0% below list) — sets the bar for 1% rule.
  • Cap rate 5.2% vs local median 2.8% in Celina — 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 (#450 in TX) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A; Watch: cost of living C-, amenities F, commute F.
  • Celina ISD (rural): math 50% / reading 61% proficiency, ranked #71 of 826 in TX (top 9%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Marcy B Lykins El (math 38% / reading 50%, grade F, #1,243 of 4,322 statewide, top 29%, 708 students, 22% FRL); Jerry & Linda Moore Middle (math 56% / reading 60%, grade B, #197 of 1,662 statewide, top 12%, 903 students, 20% FRL); Celina H S (math 44% / reading 72%, grade C, #320 of 1,632 statewide, top 20%, 1,074 students, 18% FRL).
  • Market conditions: Rents falling (-4.6%/yr); 2927 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 1d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 19,194 units permitted in Collin County in 2024 (3,988 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
  • Collin County population projected at +60% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 693 days — a 12% lower offer ($305k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts since 2y ago; this cycle's ask has dropped $38k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Recommended offer $281,069 (19.0% 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 693 days. Have you received any prior offers? Is the seller open to a 19% 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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  6. 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?
  7. 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.
  8. 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.
  9. 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
0.76%
Cap rate
5.17%
Cash-on-cash
-4.00%
DSCR
0.82
GRM
11.0

CMA / ARV

ARV (median comp)
$371,540
List price
$346,900
Delta
-6.63%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 8 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1433 Marcella 0.22mi 3/2.0 (-1) 1,610 (+0%) 6mo $374,970 $233 79
2040 Adriana Ave 0.28mi 3/2.0 (-1) 1,697 (+6%) 5mo $384,980 $227 68
1432 Bramante St 0.19mi 3/2.0 (-1) 1,697 (+6%) 15mo $399,990 $236 65
2212 Fred Smith Pkwy 0.53mi 3/2.0 (-1) 1,594 (-1%) 8mo $1,600,000 $1,004 63
1408 Bramante St 0.21mi 3/2.0 (-1) 1,417 (-12%) 5mo $354,980 $251 61
1733 Sugar Maple Mews 0.47mi 3/2.5 (-1) 1,507 (-6%) 2mo $342,005 $227 60
1013 Rainshower Way 0.51mi 3/2.0 (-1) 1,507 (-6%) 7mo $381,925 $253 55
1504 Canter St 0.55mi 3/2.0 (-1) 1,507 (-6%) 6mo $388,615 $258 54

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
-26.4%
Equity multiple
0.13×
Total profit
$-90,513
Equity at exit
$55,398
10-year hold
IRR
-38.0%
Equity multiple
-0.34×
Total profit
$-138,951
Equity at exit
$32,124

Cash invested: $104,031 (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.

ZIP-level market 75009

Home prices YoY
-23.1%
Rents YoY
-4.6%
Active inventory
2927
Price-to-rent
10.3×

Monthly cashflow live

Estimated rent
$2,811 high interval (Pro) →
Mortgage (P&I)
$1,948
Tax est. 1.5%
$464 /mo · $5,573/yr
Insurance
$155
HOA
$0
Vacancy / Maint / Mgmt
$590
Net cashflow
$-347

Break-even live

Break-even rent $3,250
Max offer price $321,302
Occupancy floor

Sensitivity live

Price -10% $-90 -5% $-219 +0% $-347 +5% $-476 +10% $-604
Rent -10% $-569 -5% $-458 +0% $-347 +5% $-236 +10% $-125
Rate -1.0pp $-160 -0.5pp $-253 base $-347 +0.5pp $-443 +1.0pp $-541

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
$92,885
Closing costs
$11,146
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 6 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1712 Goodnight Trl Celina, TX 3.0 2.5 2231 $2,450 $1.10 0d 1 0.50mi
2212 W J Fred Smith Pkwy Celina, TX 3.0 2.0 1594 $3,500 $2.20 0d 1 0.54mi
1404 Pintail Pl Celina, TX 3.0 2.0 1626 $2,500 $1.54 0d 1 1.11mi
2417 Blackwell St Celina, TX 4.0 2.5 2098 $3,300 $1.57 0d 1 1.16mi
3100 Arthurdale St Celina, TX 4.0 2.0 2184 $2,399 $1.10 45d 1 1.39mi
2020 Beeflower St Celina, TX 3.0 2.0 2032 $2,399 $1.18 45d 1 1.47mi

Listing history 28 events

  1. 2026-06-21
    days on market $346,900 Active 693 DOM
  2. 2026-06-18
    days on market $346,900 Active 690 DOM
  3. 2026-06-17
    days on market $346,900 Active 689 DOM
  4. 2026-06-16
    days on market $346,900 Active 688 DOM
  5. 2026-06-15
    days on market $346,900 Active 687 DOM
  6. 2026-06-13
    days on market $346,900 Active 685 DOM
  7. 2026-06-09
    days on market $346,900 Active 681 DOM
  8. 2026-06-08
    days on market $346,900 Active 680 DOM
  9. 2026-06-07
    days on market $346,900 Active 679 DOM
  10. 2026-06-04
    days on market $346,900 Active 676 DOM
  11. 2026-06-03
    days on market $346,900 Active 675 DOM
  12. 2026-06-02
    days on market $346,900 Active 674 DOM
  13. 2026-06-01
    days on market $346,900 Active 673 DOM
  14. 2026-05-31
    days on market $346,900 Active 672 DOM
  15. 2026-02-18
    status Active 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  16. 2026-02-17
    historical 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  17. 2026-02-04
    status Active 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  18. 2026-02-03
    historical 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  19. 2026-01-21
    status Active 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  20. 2026-01-20
    historical 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  21. 2025-12-24
    price $346,900 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  22. 2025-04-25
    status Active 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  23. 2025-04-25
    historical 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  24. 2025-01-22
    price $393,900 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  25. 2024-12-06
    status Active 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  26. 2024-12-06
    historical 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  27. 2024-10-22
    price $389,900 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

  28. 2024-07-25
    listed $384,900 Active 1009-char remark
    Show marketing remark (1009 chars)

    Experience the warmth and charm of La Terra at Uptown Celina, a remarkable community featuring Pacesetter Homes. Leave behind the hustle and bustle of city life and discover the tranquility of a picturesque town on the outskirts of Dallas. Nestled in the heart of Celina, TX, you'll enjoy the convenience of being near Hwy 289 and other major roadways, with easy access to Preston Rd. and the Dallas North Tollway. Your children will thrive in the exceptional schools of Celina ISD, while you indulge in over 20 acres of serene green open space. As the community matures, you'll delight in the lush trees, enchanting walking trails, and luxurious resort-style amenities that will transform La Terra at Uptown into a true haven. We offer an array of thoughtfully designed floor plans, tailored to suit your unique needs. With extraordinary features and personalization options, you have the opportunity to build the home of your dreams. Don't miss out on the chance to call this remarkable community your home.

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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$33,728
− Mortgage interest
−$20,812
− Property taxes
−$5,573
− Insurance
−$1,858
− Repairs & maintenance
−$2,698
− Management
−$2,698
− Depreciation
−$10,808
Taxable loss
−$10,720
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,573
After-tax cash flow
$-1,594/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 · 5 photos

Good 75/100 Cosmetic rehab

This home is in good condition with a good exterior and interior. It has a good curb appeal and is move-in ready. Minor updates to the exterior and interior can further enhance its value.

Value-add opportunities

  • Both Paint exterior and interior — Fresh paint enhances curb appeal and interior aesthetics
  • Both Replace window treatments — Updated window treatments improve curb appeal and interior aesthetics
  • Both Install smart home devices — Smart home devices can increase home value and appeal to tech-savvy buyers
  • Both Add a smart thermostat — A smart thermostat can improve energy efficiency and appeal to buyers
  • Both Install a smart lock — A smart lock enhances security and can be a selling point for buyers

Renovation cost estimate screening

Value-add ROI direction

  • Both Paint exterior and interior — Fresh paint enhances curb appeal and interior aesthetics
  • Both Replace window treatments — Updated window treatments improve curb appeal and interior aesthetics
  • Both Install smart home devices — Smart home devices can increase home value and appeal to tech-savvy buyers
  • Both Add a smart thermostat — A smart thermostat can improve energy efficiency and appeal to buyers
  • Both Install a smart lock — A smart lock enhances security and can be a selling point for buyers

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

District
Celina ISD
NCES district ID
4813290
Math proficiency
50% ▼ -15.00%
Reading proficiency
61% ▼ -5.00%
Median HH income
$83,282
Composite
50.49/100
National rank
#1853
State rank
#71 of 826 in TX

Livability — Celina

Score
68/100
State rank
#450
US rank
#9135

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Celina, TX
County
Collin County · 1,159,394 people
City population
34,260
Metro
Dallas-Fort Worth-Arlington, TX
Population (ZIP)
34,260
Household income
$168,250
Rent vs Own
8.0% rent · 92.0% own
Severe rent burden
152.0

Population outlook (Collin County) Hauer SSP2

Today (2025)
1,210,074 people
By 2030
1,358,201 · +12.2%
By 2040
1,654,061 · +36.7%
By 2050
1,937,359 · +60.1%
By 2075
2,567,039 · +112.1%
By 2100
2,952,048 · +144.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.56)
Race & ethnicity
White 64% Two or more races 11% Hispanic / Latino 11% Asian 11% Black 8%
Hispanic origin (detail)
Mexican 9%
Common ancestry
Slovak 5% Lithuanian 4% Romanian 1%
Foreign-born
14% · China, Canada, Vietnam
Languages at home
83% English-only · Spanish 6% Chinese 3% Other Asian/Pacific 3%

Political lean MEDSL · Collin

2024 margin
R (+11.1) · D 43.1% · R 54.3% · Other 2.6%
2008→2024 swing
+14.4pp toward D · 2008: -25.6pp · 2024: -11.1pp
All cycles
2024: R+11.1 2020: R+4.3 2016: R+17.0 2012: R+31.6 2008: R+25.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -83.07%
Current HPI
276.6307
Rent YoY
▼ -4.62%
Metro
Dallas-Fort Worth-Arlington, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

-9.9% since first listed
14 events — show timeline
  • 2026-02-18 Relisted Zillow
  • 2026-02-17 Delisted Zillow
  • 2026-02-04 Relisted Zillow
  • 2026-02-03 Delisted Zillow
  • 2026-01-21 Relisted Zillow
  • 2026-01-20 Delisted Zillow
  • 2025-12-24 Price Changed $346,900 Zillow
  • 2025-04-25 Relisted Zillow
  • 2025-04-25 Delisted Zillow
  • 2025-01-22 Price Changed $393,900 Zillow
  • 2024-12-06 Relisted Zillow
  • 2024-12-06 Delisted Zillow
  • 2024-10-22 Price Changed $389,900 Zillow
  • 2024-07-25 Listed $384,900 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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