4815 George Cunningham Loop · Temple, TX 76502

$203,999

5 bd · 2.5 ba · 1,535 sqft · SingleFamily · 109 Days on market

Built 2026 4,791 sqft lot Est $204k · at est. $30/mo HOA · 1% of rent ↓ 9% since listing

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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 +19.3/30.0
• ARV discount +7.5/15.0
• DSCR +6.1/10.0
• 1% rule +5.3/10.0
• Schools +3.8/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

Key facts

• 4,791 sq ft lot
• Garage
• Built 2026

Property features AI

Finance

• HOA & community: Homeowners association (Preserve at Lions Park HOA); Monthly association fee of $30 covering common area maintenance

Exterior

• Parking: Attached garage (1 covered space, total 1 parking space)
• Utilities: Electricity available; Public water; Public sewer (connected)
• Home design: New construction by Lennar; 2 stories; Southeast-facing; Entry on main level
• Construction: Brick, cement siding and stone construction; Composition roof; Slab foundation; New construction
• Exterior features: Private yard; Front porch; Privacy fencing; Back yard; Front yard; Interior lot

Interior

• Kitchen: Dishwasher; Range
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Breakfast bar; Entrance foyer; Walk-in closet(s)
• Laundry & utility: Laundry room on upper level

What this means for you Summary

Snapshot

• This is a 5-bed/2.5-bath single-family listed at $204k.

Deal economics

• At list price, monthly cash flow is $225 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $204k).
• Recommended offer: $186k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.6% vs local median 3.6% in Temple — 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 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
• Belton ISD (suburban): math 39% / reading 46% proficiency, ranked #285 of 826 in TX (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.8%/yr); 1114 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).
• This rent runs 31% of the median local income ($82k/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.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 109 days — a 9% lower offer ($186k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 70% chance of damaging wind over 30y; extreme-heat days projected 6→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $185,639 (9.0% below list)

Questions for the listing agent

1. It's been on market 109 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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?
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: 1.03% ✓
• Cap rate: 7.61%
• Cash-on-cash: 4.72%
• DSCR: 1.21
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $204,155
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4823 George Cunningham Loop	0.01mi	5/2.5	1,535 (0%)	1mo	$197,990	$129	99
4723 George Cunningham Loop	0.00mi	5/2.5	1,535 (0%)	3mo	$200,390	$131	98
4807 George Cunningham Loop	0.00mi	5/2.5	1,535 (0%)	3mo	$228,990	$149	97
4715 George Cunningham Loop	0.19mi	4/2.5 (-1)	1,535 (0%)	3mo	$203,990	$133	84

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: -12.4%
• Equity multiple: 0.56×
• Total profit: $-24,875
• Equity at exit: $30,417

10-year hold

• IRR: -8.8%
• Equity multiple: 0.53×
• Total profit: $-26,896
• Equity at exit: $17,638

Cash invested: $57,120 (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 76502

• Rents YoY: -0.8%
• Active inventory: 1114
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,107 medium
• Mortgage (P&I): −$1,070
• Tax est. 1.5%: −$255 /mo · $3,060/yr
• Insurance: −$85
• HOA: −$30
• Vacancy / Maint / Mgmt: −$442
• Net cashflow: $225

Break-even live

Break-even rent $1,823

Max offer price $203,999

Occupancy floor 84%

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: $51,000
• Closing costs: $6,120
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2506 Blue Jay Dr Temple, TX	4.0	2.0	1549	$1,650	$1.07	43d	1	1.32mi
2810 Daniel Boone Trl Temple, TX	4.0	2.0	1228	$1,372	$1.12	43d	1	1.33mi

HOA detail

• Monthly dues: $30 · $360/yr

Listing history 36 events

1. 2026-06-18
   days on market $203,999 Active 109 DOM
2. 2026-06-17
   pricedays on market $203,999 Active 108 DOM
3. 2026-06-16
   days on market $204,999 Active 107 DOM
4. 2026-06-15
   days on market $204,999 Active 106 DOM
5. 2026-06-14
   days on market $204,999 Active 104 DOM
6. 2026-06-13
   statusdays on market $204,999 Active 103 DOM
7. 2026-06-05
   statusdays on market $204,999 Pending 101 DOM
8. 2026-06-03
   days on market $204,999 Active 100 DOM
9. 2026-06-02
   days on market $204,999 Active 99 DOM
10. 2026-06-01
    days on market $204,999 Active 98 DOM
11. 2026-05-31
    days on market $204,999 Active 97 DOM
12. 2026-05-30
    pricedays on market $204,999 Active 96 DOM
13. 2026-05-18
    status Active
14. 2026-05-18
    price $206,999
15. 2026-05-16
    status Active 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

16. 2026-05-16
    price $206,999 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

17. 2026-04-27
    status Pending
18. 2026-04-25
    historical 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

19. 2026-04-24
    price $195,990
20. 2026-04-20
    price $197,990

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

21. 2026-04-20
    price $197,990 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

22. 2026-04-03
    price $198,990 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

23. 2026-04-02
    price $198,990
24. 2026-04-01
    price $199,990 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

25. 2026-03-31
    price $199,990
26. 2026-03-25
    price $202,990 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

27. 2026-03-24
    price $202,990
28. 2026-03-22
    status Active 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

29. 2026-03-22
    price $203,990 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

30. 2026-03-17
    historical 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

31. 2026-03-16
    price $203,990
32. 2026-03-11
    price $205,990 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

33. 2026-03-10
    price $205,990
34. 2026-02-23
    price $207,990

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

35. 2026-02-23
    listed $207,990 Active 332-char remark

    Show marketing remark (332 chars)

    The first floor of this two-story home is host to an open floorplan that combines a fully-equipped kitchen with the living and dining areas to maximize the footprint of the home. There are four bedrooms located upstairs, including the luxe owner's suite, which is positioned at the back of the home for enhanced privacy and comfort.

36. 2026-02-02
    listed $227,990 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 4/10 Moderate
• 🌡 Heat 7/10 Severe 6 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 70% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,282
• − Mortgage interest: −$11,427
• − Property taxes: −$3,060
• − Insurance: −$1,020
• − Repairs & maintenance: −$2,023
• − Management: −$2,023
• − HOA: −$360
• − Depreciation: −$5,935
• Taxable loss: −$565
• Est. tax savings @ 24.0%: +$135
• After-tax cash flow: $2,831/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: Belton ISD
• NCES district ID: 4809860
• Math proficiency: 39% ▼ -14.00%
• Reading proficiency: 46% ▼ -4.00%
• Median HH income: $61,239
• Composite: 37.62/100
• National rank: #4378
• State rank: #285 of 826 in TX

Livability — Temple

• Score: 75/100
• State rank: #122
• US rank: #3814

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, TX
• County: Bell County · 345,090 people
• City population: 96,587
• Metro: Killeen-Temple, TX
• Population (ZIP): 52,669
• Household income: $82,088
• Rent vs Own: 35.9% rent · 64.1% own
• Severe rent burden: 1890.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 58% Hispanic / Latino 26% Two or more races 15% Black 9% Asian 3%
• Hispanic origin (detail): Mexican 21% Puerto Rican 2%
• Common ancestry: Italian 2% Slovak 2% Serbian 1%
• Foreign-born: 7% · Canada, South Korea, China
• Languages at home: 86% English-only · Spanish 10% Other Indo-European 1% Korean 1%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -216.80%
• Current HPI: 166.927
• Rent YoY: ▼ -0.79%
• Metro: Killeen-Temple, 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

-9.2% since first listed

24 events — show timeline

• 2026-05-18 Relisted — Unlock MLS
• 2026-05-18 Price Changed $206,999 Unlock MLS
• 2026-05-16 Price Changed $206,999 Zillow
• 2026-05-16 Relisted — Zillow
• 2026-04-27 Pending — Unlock MLS
• 2026-04-25 Delisted — Zillow
• 2026-04-24 Price Changed $195,990 Unlock MLS
• 2026-04-20 Price Changed $197,990 Unlock MLS
• 2026-04-20 Price Changed $197,990 Zillow
• 2026-04-03 Price Changed $198,990 Zillow
• 2026-04-02 Price Changed $198,990 Unlock MLS
• 2026-04-01 Price Changed $199,990 Zillow
• 2026-03-31 Price Changed $199,990 Unlock MLS
• 2026-03-25 Price Changed $202,990 Zillow
• 2026-03-24 Price Changed $202,990 Unlock MLS
• 2026-03-22 Relisted — Zillow
• 2026-03-22 Price Changed $203,990 Zillow
• 2026-03-17 Delisted — Zillow
• 2026-03-16 Price Changed $203,990 Unlock MLS
• 2026-03-11 Price Changed $205,990 Zillow
• 2026-03-10 Price Changed $205,990 Unlock MLS
• 2026-02-23 Price Changed $207,990 Unlock MLS
• 2026-02-23 Listed $207,990 Zillow
• 2026-02-02 Listed $227,990 Unlock MLS