316 Geraldine · Uvalde, TX 78801

$110,000

3 bd · 1.0 ba · 1,224 sqft · SingleFamily public records · 85 Days on market

Built 1968 5,706 sqft lot Est $125k · 12% under

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Why this score? — see what drove the C 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 +20.5/30.0
• ARV discount +12.9/15.0
• DSCR +6.5/10.0
• 1% rule +6.0/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Incredible Opportunity - 3 Bed Home on Oversized Lot Looking for the perfect entry into the market? This 3-bedroom, 1-bath home offers 1,224 sq. ft. of solid living space and sits on a wide 95' x 60' lot. With plenty of room for future expansions or outdoor entertaining, this property represents incredible value. Well-sized bedrooms and a functional floor plan make this a standout choice for homeowners and investors alike.

Key facts

• 5,706 sq ft lot
• Built 1968
• Listed 85 days

Property features AI

Finance

• Other:
• Financial info: Down payment assistance resource available
• HOA & community: Subdivision: OUT/UVALDE

Exterior

• Parking:
• Security:
• Utilities: City water and sewer
• Home design: Pre-owned single-family home; Approximately 58 years old
• Construction: Cement fiber exterior; Metal roof; Slab foundation
• Exterior features: Street paved; Curbs; Alley; Front faces south

Interior

• Kitchen: Island kitchen; Stove/Range; Refrigerator
• Bedrooms: Master bedroom approx. 16 x 9; Bedroom 2 approx. 13 x 9; Bedroom 3 approx. 15 x 10
• Flooring: Ceramic tile flooring; Laminate flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Living/Dining room combination; Island kitchen; Utility room inside; Ground level / no steps; Some window coverings remain; Smoke alarm; Electric water heater
• Laundry & utility: Washer connection; Dryer connection; Washer included; Dryer included; Utility room inside

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $145 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $103k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 3.0% in Uvalde — 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 74/100 on livability (#187 in TX, #4,844 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, employment D, amenities F.
• Uvalde CISD (town): math 19% / reading 26% proficiency, ranked #760 of 826 in TX (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Uvalde El (337 students, 86% FRL); Uvalde H S (math 15% / reading 30%, grade F, #1,354 of 1,632 statewide, top 83%, 1,129 students, 72% FRL).
• Market conditions: 225 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 17 units permitted in Uvalde County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Uvalde County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 85 days — a 6% lower offer ($103k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 49% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $103,400 (6.0% below list)

Questions for the listing agent

1. It's been on market 85 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 F-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. 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?
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: 1.10% ✓
• Cap rate: 7.87%
• Cash-on-cash: 5.64%
• DSCR: 1.25
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $124,848
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
223 Geraldine St	0.07mi	3/1.0	1,216 (-1%)	17mo	$121,000	$100	81
238 W Calera St	0.34mi	3/1.0	1,232 (+1%)	12mo	$95,000	$77	73
544 Geraldine St	0.31mi	3/1.0	1,176 (-4%)	20mo	$120,000	$102	62
137 W Garden St	0.44mi	2/1.0 (-1)	1,386 (+13%)	1mo	$145,000	$105	52
434 S Farrar	0.55mi	3/1.0	1,080 (-12%)	11mo	$85,000	$79	46
509 Perez St	0.19mi	4/1.5 (+1)	1,372 (+12%)	22mo	$129,900	$95	45
412 W Garden	0.46mi	2/2.0 (-1)	1,138 (-7%)	22mo	$175,000	$154	39
520 S Camp St	0.43mi	2/1.0 (-1)	1,044 (-15%)	21mo	$125,000	$120	32

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.5%
• Equity multiple: 0.72×
• Total profit: $-8,554
• Equity at exit: $16,401

10-year hold

• IRR: 2.1%
• Equity multiple: 1.15×
• Total profit: $4,627
• Equity at exit: $9,511

Cash invested: $30,800 (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 78801

• Active inventory: 225
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,211 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$189 /mo · $2,271/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$254
• Net cashflow: $145

Break-even live

Break-even rent $1,028

Max offer price $110,000

Occupancy floor 83%

Sensitivity live

Price	-10% $207	-5% $176	+0% $145	+5% $114	+10% $83
Rent	-10% $49	-5% $97	+0% $145	+5% $193	+10% $240
Rate	-1.0pp $200	-0.5pp $173	base $145	+0.5pp $116	+1.0pp $87

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
410 Bohme St Uvalde, TX	2.0	2.0	1348	$1,500	$1.11	45d	1	1.20mi
113 S Claudia St Uvalde, TX	2.0	1.0	700	$750	$1.07	45d	1	1.21mi

Listing history 5 events

1. 2026-05-14
   status Pending
2. 2026-04-24
   historical Active Option
3. 2026-02-18
   listed $110,000 New
4. 2014-10-31
   soldstatus
5. 2010-03-15
   soldstatus

ⓘ 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: $2,271 · $189/mo
• Projected year-2 tax: $2,271 · $189/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 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 23 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 49% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,532
• − Mortgage interest: −$6,162
• − Property taxes: −$2,271
• − Insurance: −$550
• − Repairs & maintenance: −$1,163
• − Management: −$1,163
• − Depreciation: −$3,200
• Taxable income: $24
• Est. tax owed @ 24.0%: −$6
• After-tax cash flow: $1,731/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: Uvalde CISD
• NCES district ID: 4843720
• Math proficiency: 19% ▼ -9.00%
• Reading proficiency: 26% ▼ -3.00%
• Median HH income: $36,054
• Composite: 18.63/100
• National rank: #8897
• State rank: #760 of 826 in TX

Livability — Uvalde

• Score: 74/100
• State rank: #187
• US rank: #4844

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Uvalde, TX
• Population (ZIP): 21,487

Population outlook (Uvalde County) Hauer SSP2

• Today (2025): 28,865 people
• By 2030: 29,675 · +2.8%
• By 2040: 31,256 · +8.3%
• By 2050: 32,790 · +13.6%
• By 2075: 37,013 · +28.2%
• By 2100: 37,306 · +29.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (76%)
• Race & ethnicity: Hispanic / Latino 76% White 20% Two or more races 18% Native American 1% Asian 1%
• Hispanic origin (detail): Mexican 69% Puerto Rican 1%
• Common ancestry: Lithuanian 2% Serbian 1% Slovak 1%
• Foreign-born: 11% · Canada
• Languages at home: 48% English-only · Spanish 51% Other Asian/Pacific 1%

Political lean MEDSL · Uvalde

• 2024 margin: Solid R (+33.4) · D 32.9% · R 66.3%
• 2008→2024 swing: -28.1pp toward R · 2008: -5.3pp · 2024: -33.4pp
• All cycles: 2024: R+33.4 2020: R+20.3 2016: R+10.8 2012: R+8.3 2008: R+5.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -113.65%
• Current HPI: 152.7777
• Rent YoY: —
• Metro: —
• 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

5 events — show timeline

• 2026-05-14 Pending — LERA
• 2026-04-24 Contingent — LERA
• 2026-02-18 Listed $110,000 LERA
• 2014-10-31 Sold (Public Records) — Public Records
• 2010-03-15 Sold (Public Records) — Public Records

Property tax history

+10.6%/yr

Latest (2025): $2,271 · +0.5% YoY. Source: county tax records.