219 Windmill Dr · Rhome, TX 76078

$334,990

4 bd · 2.0 ba · 1,662 sqft · SingleFamily · 57 Days on market

Built 2025 7,261 sqft lot Est $321k · at est. $80/mo HOA · 3% of rent ↓ 3% 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
• Cash flow +6.6/30.0
• ARV discount +5.5/15.0
• Schools +4.6/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• DSCR +0.8/10.0

Listing remarks

D. R. HORTON AMERICA'S BUILDER is EXCITED TO SERVE AS YOUR HOME BUILDER in the FABULOUS COMMUNITY of BLUESTEM in RHOME and NORTHWEST ISD! Beautiful single story 4 BEDROOM Carlsbad open Floorplan-Elevation B, with an estimated Spring completion. Large Chef's Kitchen with Quartz Countertops, Stainless Steel Appliances, Gas Range, Island, Pendant Lights and walk-in Pantry. Luxurious main Bedroom with dual sink Quartz top Vanity, over sized Shower, linen Closet and W-I Closet. Partial Gutters, front Coach Lights and Tankless Water Heater. Designer Pkg including Tiled Entry, Halls and Wet areas plus Home is Connected Smart Home Technology. Covered back Patio, 6 ft fenced backyard, Landscape Pkg

Key facts

• Quartz countertops
• Chef's kitchen
• Gas range

Tags

• CHEF'S KITCHEN
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• GAS RANGE
• WALK-IN PANTRY
• DUAL SINK QUARTZ TOP VANITY

Property features AI

Finance

• Other: Community features include community pool, park, playground, jogging/bike path, fishing and sidewalks; Easements for utilities; Minerals retained by developer (exclusion)
• Financial info: Listing accepts Cash, Conventional, FHA and VA financing; No second mortgage reported
• HOA & community: Mandatory HOA with annual fee; HOA fees cover full use of facilities and management fees; HOA managed by CCMC

Exterior

• Parking: Attached 2-car garage with single 2-car door; Garage door opener; 2 covered parking spaces; Garage faces front
• Security: Smoke detectors; Carbon monoxide detectors; Smart home features
• Utilities: City water; City sewer; Individual water meter; Individual gas meter; Electricity connected / available; Natural gas available; Cable available; Phone available; Sewer available; Underground utilities; Sidewalks and curbs; Concrete
• Home design: Single-family residence; One-story; New construction (incomplete, 2025)
• Construction: Brick and frame construction; Composition roof; Slab foundation; Year built 2025 (new construction - incomplete)
• Exterior features: Covered rear porch; Covered porch(es); Private yard; Gutters; Sprinkler system; Landscaped yard; Few trees; Subdivision setting

Interior

• Kitchen: Gas range; Microwave; Dishwasher; Garbage disposal; Water line to refrigerator; Solid surface (non-natural) counters; Built-in cabinets
• Bedrooms: 4 bedrooms (all on the main level); Primary bedroom with dual sinks, separate shower, linen closet and walk-in closet; Remaining bedrooms arranged as split-bedroom layout
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (natural gas); Central air conditioning (electric)
• Interior features: Open floor plan; Decorative lighting; Eat-in kitchen; Kitchen island; Pantry / walk-in pantry; Cable TV available; High-speed internet available; Smart home system; Vented exhaust fan; Plumbed for gas in kitchen
• Laundry & utility: Separate utility room; Full-size washer/dryer area; Washer hookup; Electric dryer hookup; Tankless water heater; Gas water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $335k.

Deal economics

• At list price, monthly cash flow is $-555 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $255k (24.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $233k (30.5% below list).
• Recommended offer: $233k (30.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 74/100 on livability (#165 in TX, #4,376 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities F, commute F.
• Northwest ISD (rural): math 48% / reading 52% proficiency, ranked #120 of 826 in TX (top 14%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Seven Hills El (math 28% / reading 33%, grade F, #2,464 of 4,322 statewide, top 58%, 667 students, 48% FRL); Chisholm Trail Middle (math 39% / reading 35%, grade F, #756 of 1,662 statewide, top 47%, 684 students, 51% FRL); Northwest H S (math 55% / reading 64%, grade C+, #275 of 1,632 statewide, top 19%, 2,264 students, 0% FRL).
• Market conditions: 264 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 460 units permitted in Wise County in 2024 (243 in 5+ unit buildings).

Forward outlook

• In year one you build about $36k of equity ($2k loan paydown + $33k appreciation (10.0% local appreciation)).
• Wise County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$58k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 57 days — a 3% lower offer ($325k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $232,917 (30.5% 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 57 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.70% ✗
• Cap rate: 4.30%
• Cash-on-cash: -7.10%
• DSCR: 0.68
• GRM: 12.0

CMA / ARV

• ARV (on-the-fly): $320,766
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
139 Stanton Ave	0.20mi	4/2.0	1,662 (0%)	4mo	$314,990	$190	87
110 Castell Ave	0.22mi	4/2.0	1,662 (0%)	6mo	$320,156	$193	84
110 Stanton Ave	0.13mi	4/2.0	1,837 (+10%)	0mo	$344,990	$188	76
122 Castell Ct	0.18mi	4/2.0	1,837 (+10%)	4mo	$333,990	$182	70
179 Summer Rain Way	0.50mi	3/2.0 (-1)	1,674 (+1%)	1mo	$360,000	$215	70
155 Texasage St	0.60mi	4/2.0	1,659 (-0%)	3mo	$299,900	$181	69
129 Medina Ln	0.23mi	4/2.0	1,837 (+10%)	3mo	$334,990	$182	69
141 Medina Ln	0.22mi	4/2.0	1,837 (+10%)	7mo	$337,938	$184	66
196 Pintail	0.39mi	3/2.0 (-1)	1,581 (-5%)	9mo	$348,000	$220	61
192 Pintail Ln	0.40mi	3/2.0 (-1)	1,511 (-9%)	5mo	$329,000	$218	57
127 Palo Duro	0.57mi	3/2.0 (-1)	1,598 (-4%)	6mo	$339,000	$212	57
158 Pecan Ln	0.45mi	3/2.5 (-1)	1,802 (+8%)	9mo	$409,990	$228	51

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: 19.3%
• Equity multiple: 2.57×
• Total profit: $147,181
• Equity at exit: $301,786

10-year hold

• IRR: 17.8%
• Equity multiple: 5.92×
• Total profit: $461,388
• Equity at exit: $650,812

Cash invested: $93,797 (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 76078

• Home prices YoY: 6.5%
• Active inventory: 264
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $2,329 medium
• Mortgage (P&I): −$1,757
• Tax est. 1.5%: −$419 /mo · $5,025/yr
• Insurance: −$140
• HOA: −$80
• Vacancy / Maint / Mgmt: −$489
• Net cashflow: $-555

Break-even live

Break-even rent $3,032

Max offer price $254,681

Occupancy floor —

Sensitivity live

Price	-10% $-323	-5% $-439	+0% $-555	+5% $-671	+10% $-787
Rent	-10% $-739	-5% $-647	+0% $-555	+5% $-463	+10% $-371
Rate	-1.0pp $-386	-0.5pp $-470	base $-555	+0.5pp $-642	+1.0pp $-730

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: $83,748
• Closing costs: $10,050
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
135 Lunayena Rd Rhome, TX	4.0	2.0	2039	$2,200	$1.08	0d	1	0.25mi
135 Lunayena Rd Rhome, TX	4.0	2.0	2039	$2,200	$1.08	23d	1	0.25mi
201 S Main St Rhome, TX	3.0	1.0	1071	$1,295	$1.21	45d	1	0.96mi
197 Private Road 4652 Unit 4652 Rhome, TX	3.0	2.0	1428	$2,295	$1.61	0d	1	1.08mi

HOA detail

• Monthly dues: $80 · $960/yr
• Likely covers: watergas

Listing history 4 events

1. 2026-04-17
   status Pending
2. 2026-04-09
   price $334,990
3. 2026-03-17
   price $339,990
4. 2026-02-19
   listed $344,680 Active

ⓘ 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 7/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥109°F today · 20 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,950
• − Mortgage interest: −$18,765
• − Property taxes: −$5,025
• − Insurance: −$1,675
• − Repairs & maintenance: −$2,236
• − Management: −$2,236
• − HOA: −$960
• − Depreciation: −$9,745
• Taxable loss: −$12,692
• Est. tax savings @ 24.0%: +$3,046
• After-tax cash flow: $-3,614/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: Northwest ISD
• NCES district ID: 4833180
• Math proficiency: 48% ▼ -15.00%
• Reading proficiency: 52% ▼ -8.00%
• Median HH income: $85,315
• Composite: 46.15/100
• National rank: #2504
• State rank: #120 of 826 in TX

Livability — Rhome

• Score: 74/100
• State rank: #165
• US rank: #4376

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Wise County · 49,037 people
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 10,828
• Household income: $99,866
• Rent vs Own: 16.4% rent · 83.6% own
• Severe rent burden: 10.0

Population outlook (Wise County) Hauer SSP2

• Today (2025): 71,620 people
• By 2030: 75,858 · +5.9%
• By 2040: 83,908 · +17.2%
• By 2050: 90,717 · +26.7%
• By 2075: 107,583 · +50.2%
• By 2100: 114,996 · +60.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 24% Two or more races 11% Native American 4% Black 2%
• Hispanic origin (detail): Mexican 20% Puerto Rican 3%
• Common ancestry: Slovak 2% Lithuanian 2% Italian 1%
• Foreign-born: 6% · Canada
• Languages at home: 85% English-only · Spanish 14% German/W. Germanic 1%

Political lean MEDSL · Wise

• 2024 margin: Solid R (+70.0) · D 14.7% · R 84.7%
• 2008→2024 swing: -14.3pp toward R · 2008: -55.7pp · 2024: -70.0pp
• All cycles: 2024: R+70.0 2020: R+68.2 2016: R+69.9 2012: R+67.5 2008: R+55.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 19.94%
• Current HPI: 325.22
• Rent YoY: —
• 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
▸Energy	16	$1,198B
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

-2.8% since first listed

4 events — show timeline

• 2026-04-17 Pending — NTREIS
• 2026-04-09 Price Changed $334,990 NTREIS
• 2026-03-17 Price Changed $339,990 NTREIS
• 2026-02-19 Listed $344,680 NTREIS