4700 EL Campo Dr · El Paso, TX 79924

$190,950

4 bd · 2.0 ba · 1,780 sqft · SingleFamily public records · 5 Days on market

Built 1969 7,000 sqft lot

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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).

• Cash flow +12.3/30.0
• ARV discount +7.5/15.0
• 1% rule +4.7/10.0
• Livability +4.0/5.0
• DSCR +3.7/10.0
• Rent growth +3.6/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Spacious 4-bedroom, 2-bath home sitting on a 7,000 sq. ft. lot with stunning mountain views! Featuring double-pane windows, refrigerated air, tile throughout, and a 2-car garage with remotes, this home offers comfort, convenience, and low-maintenance living. The front and back yards are designed for easy upkeep, making it perfect for busy homeowners or investors. Conveniently located near the North Freeway with quick access to Lowe's, Walmart, shopping, dining, and more. Never before listed on a modern home search site, this is a great opportunity for first-time buyers or investors looking for value at an unbeatable price!

Key facts

• Tile throughout
• Refrigerated air
• Front and back yards

Tags

• MOUNTAIN VIEWS
• DOUBLE-PANE WINDOWS
• REFRIGERATED AIR
• TILE THROUGHOUT
• FRONT AND BACK YARDS
• QUICK ACCESS TO SHOPPING

Property features AI

Finance

• Other:
• Financial info:
• HOA & community: No HOA fees

Exterior

• Parking:
• Security:
• Utilities:
• Home design: Single-family residence
• Construction: Brick and brick veneer exterior; Shingle, pitched roof
• Exterior features: See remarks; Back yard fencing; Covered patio/porch

Interior

• Kitchen: Dishwasher; Free-standing gas oven; Range hood; Refrigerator
• Bedrooms:
• Flooring: Tile flooring
• Bathrooms: 1 full bathroom; 1 three-quarter bathroom
• Heating & cooling: Central heating; Refrigerated cooling
• Interior features: Multiple living areas (2+); Double-pane windows; One fireplace
• Laundry & utility:

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $191k.

Deal economics

• At list price, monthly cash flow is $-34 ($-404/yr) — negative.
• To cash-flow at today's rent, offer at most $185k (3.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $185k (3.0% below list).
• Recommended offer: $185k (3.1% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 81/100 on livability (#23 in TX, #1,375 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+.
• El Paso ISD (urban): math 27% / reading 37% proficiency, ranked #591 of 826 in TX (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 65% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Newman El (math 12% / reading 22%, grade F, #3,836 of 4,322 statewide, top 91%, 264 students, 94% FRL); Charles Middle (math 25% / reading 34%, grade F, #1,077 of 1,662 statewide, top 66%, 450 students, 84% FRL); Andress H S (math 19% / reading 34%, grade F, #1,228 of 1,632 statewide, top 76%, 1,530 students, 83% FRL) — zoned schools average 87% FRL vs 65% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.5%/yr); 241 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,196 units permitted in El Paso County in 2024 (143 in 5+ unit buildings).
• This rent runs 39% of the median local income ($57k/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 $6k of value loss. Plan a longer hold.
• El Paso County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $64k; list at $191k implies a 201% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.
• Climate carrying-cost: extreme-heat days projected 8→31/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,996 (3.1% 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 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-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: 0.97% ✗
• Cap rate: 6.08%
• Cash-on-cash: -0.76%
• DSCR: 0.97
• GRM: 8.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.5% rent growth · sell at horizon

5-year hold

• IRR: -15.6%
• Equity multiple: 0.44×
• Total profit: $-30,113
• Equity at exit: $28,471

10-year hold

• IRR: -4.3%
• Equity multiple: 0.69×
• Total profit: $-16,419
• Equity at exit: $16,510

Cash invested: $53,466 (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 79924

• Home prices YoY: -13.2%
• Rents YoY: 4.5%
• Active inventory: 241
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,853 high
• Mortgage (P&I): −$1,001
• Tax from tax record: −$417 /mo · $5,000/yr
• Insurance: −$80
• HOA: −$0
• Vacancy / Maint / Mgmt: −$389
• Net cashflow: $-34

Break-even live

Break-even rent $1,896

Max offer price $184,996

Occupancy floor 97%

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: $47,738
• Closing costs: $5,728
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10288 Lakeview Dr El Paso, TX	4.0	2.0	2000	$1,925	$0.96	43d	1	0.22mi
10345 Biscaine St El Paso, TX	4.0	2.0	1778	$1,675	$0.94	23d	1	0.42mi
10004 Odessa Ln El Paso, TX	4.0	2.0	1770	$1,495	$0.84	43d	1	0.70mi
10429 Persephone Dr El Paso, TX	4.0	2.0	1238	$1,790	$1.45	2d	1	0.81mi
5205 Nome Ave El Paso, TX	4.0	2.0	1788	$1,995	$1.12	23d	1	0.91mi
10521 Gala Pl El Paso, TX	3.0	2.0	1346	$1,485	$1.10	43d	1	1.03mi
5012 Salem Dr El Paso, TX	3.0	2.0	1306	$1,850	$1.42	23d	1	1.05mi
5516 Fairbanks Dr El Paso, TX	3.0	2.0	1303	$1,500	$1.15	43d	1	1.29mi
5613 Creston Ave El Paso, TX	3.0	2.0	1364	$1,550	$1.14	2d	1	1.38mi
9820 Eloice Rd El Paso, TX	3.0	3.0	1824	$1,950	$1.07	14d	1	1.46mi

Listing history 3 events

1. 2026-05-21
   listed $190,950 Active
2. 1987-05-18
   soldstatus
3. 1980-05-01
   soldstatus $63,500

ⓘ 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: $5,000 · $417/mo
• Projected year-2 tax: $5,000 · $417/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 · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 6/10 Major 8 d/yr ≥100°F today · 31 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,237
• − Mortgage interest: −$10,696
• − Property taxes: −$5,000
• − Insurance: −$955
• − Repairs & maintenance: −$1,779
• − Management: −$1,779
• − Depreciation: −$5,555
• Taxable loss: −$3,527
• Est. tax savings @ 24.0%: +$847
• After-tax cash flow: $442/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: El Paso ISD
• NCES district ID: 4818300
• Math proficiency: 27% ▼ -24.00%
• Reading proficiency: 37% ▼ -7.00%
• Median HH income: $38,704
• Composite: 26.75/100
• National rank: #7138
• State rank: #591 of 826 in TX

Livability — El Paso

• Score: 81/100
• State rank: #23
• US rank: #1375

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: El Paso, TX
• County: El Paso County · 761,266 people
• City population: 630,223
• Metro: El Paso, TX
• Population (ZIP): 60,364
• Household income: $56,976
• Rent vs Own: 38.5% rent · 61.5% own
• Severe rent burden: 1903.0

Population outlook (El Paso County) Hauer SSP2

• Today (2025): 897,899 people
• By 2030: 922,694 · +2.8%
• By 2040: 960,492 · +7.0%
• By 2050: 982,919 · +9.5%
• By 2075: 997,266 · +11.1%
• By 2100: 900,630 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (72%)
• Race & ethnicity: Hispanic / Latino 72% Two or more races 35% White 16% Black 7% Asian 1% Native American 1%
• Hispanic origin (detail): Mexican 66% Puerto Rican 2%
• Common ancestry: Lithuanian 1% Italian 1% Romanian 1%
• Foreign-born: 19% · Canada, South Korea
• Languages at home: 42% English-only · Spanish 56% German/W. Germanic 1% Korean 1%

Political lean MEDSL · El Paso

• 2024 margin: D (+15.1) · D 57.0% · R 41.8% · Other 1.2%
• 2008→2024 swing: -17.4pp toward R · 2008: 32.5pp · 2024: 15.1pp
• All cycles: 2024: D+15.1 2020: D+35.1 2016: D+43.2 2012: D+32.6 2008: D+32.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -40.46%
• Current HPI: 265.8729
• Rent YoY: ▲ 4.50%
• Metro: El Paso, 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

+200.7% since first listed

3 events — show timeline

• 2026-05-21 Listed $190,950 GEPARMLS
• 1987-05-18 Sold (Public Records) — Public Records
• 1980-05-01 Sold (Public Records) $63,500 Public Records

Property tax history

+4.4%/yr

Latest (2025): $5,000 · +12.0% YoY. Source: county tax records.