12907 Kathleen St · St. Hedwig, TX 78152

$225,000

4 bd · 2.5 ba · 1,897 sqft · SingleFamily · 61 Days on market

Built 2025 Good condition 4,791 sqft lot $119/sqft · 12% above area Est $201k · 12% over $38/mo HOA · 2% of rent ↓ 6% 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).

• Cash flow +15.8/30.0
• Appreciation +5.6/10.0
• DSCR +4.9/10.0
• Condition / age +4.0/5.0
• 1% rule +3.2/10.0
• Livability +2.5/5.0
• Rent growth +2.3/5.0
• ARV discount +2.2/15.0
• Schools +1.9/10.0

Listing remarks

* 5% lender incentive offered with the use of the seller's in-house lender, Incentive may be used towards buyer closing costs and/or rate buy-down, subject to lender approval and buyer qualification. The Hoffman- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location at the front of the home, complemented by an en-suite bathroom and walk-in closet. There are three secondary bedrooms just off the main living areas, which are comfortable spaces for household members

Key facts

• 4,791 sq ft lot
• 2 garage spots
• Built 2025

Property features AI

Finance

• HOA & community: Mandatory HOA; HOA fee $450 annually; Association transfer fee $200; Neighborhood amenities: other (see remarks)

Exterior

• Parking: 2-car garage
• Utilities: Public water; Public sewer
• Home design: New construction by Lennar
• Construction: Cement fiber exterior; Slab foundation; Composition roof; Approximately 1 year old
• Exterior features: Privacy fence; Front exposure faces east; Located in the Spring Grove subdivision

Interior

• Kitchen: Kitchen approximately 14 x 11; Stove/Range; Dishwasher; Breakfast bar
• Bedrooms: Primary bedroom approximately 11 x 14; Bedroom 2 approximately 12 x 12; Bedroom 3 approximately 12 x 12; Bedroom 4 approximately 10 x 14; Primary bedroom has additional features noted in remarks
• Flooring: Carpeting; Vinyl flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom; Primary bathroom with shower only; Primary bath approximately 10 x 8
• Heating & cooling: Central heating; Electric and natural gas heating options; Central air conditioning
• Interior features: Open floor plan; Breakfast bar; Utility room inside; Cable TV available; Some window coverings remain; All bedrooms on main level; Laundry on main level; Walk-in closets; One living area
• Laundry & utility: Washer connection; Dryer connection; Laundry located on main level; Utility room inside

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $225k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $101 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $185k (17.8% below list).
• Recommended offer: $185k (17.8% below list) — sets the bar for 1% rule.
• Cap rate 6.8% vs local median 4.1% in St. Hedwig — 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: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• East Central ISD (rural): math 16% / reading 25% proficiency, ranked #758 of 826 in TX (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Tradition El (math 25% / reading 32%, grade F, #2,706 of 4,322 statewide, top 63%, 993 students, 51% FRL); East Central Heritage Middle (math 11% / reading 26%, grade F, #1,478 of 1,662 statewide, top 90%, 1,120 students, 44% FRL); East Central H S (math 21% / reading 28%, grade F, #1,264 of 1,632 statewide, top 82%, 3,252 students, 52% FRL).
• Market conditions: Rents soft (-0.9%/yr); 158 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent is only 18% of the median local income ($124k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• In year one you build about $4k of equity ($2k loan paydown + $3k appreciation (1.2% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 8, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($212k) is reasonable based on typical stale-listing flexibility.

Recommended offer $184,852 (17.8% below list)

Questions for the listing agent

1. It's been on market 61 days. Have you received any prior offers? Is the seller open to a 18% 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. 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?
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: 0.82% ✗
• Cap rate: 6.83%
• Cash-on-cash: 1.93%
• DSCR: 1.09
• GRM: 10.1

CMA / ARV

• ARV (median comp): $201,373
• List price: $225,000
• Delta: 11.73%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13008 Lineberry Ln	0.32mi	4/2.5	1,903 (+0%)	3mo	$234,900	$123	82
12928 Cicely Ct	0.37mi	4/2.5	1,903 (+0%)	2mo	$234,900	$123	81
4250 Fort Palmer Blvd	0.44mi	4/2.5	1,952 (+3%)	5mo	$229,900	$118	70
12602 Desert Fox	0.73mi	5/2.5 (+1)	1,892 (-0%)	4mo	$281,295	$149	58
3925 Asher Aly	0.28mi	3/3.5 (-1)	1,681 (-11%)	2mo	$214,900	$128	57
3916 Asher Aly	0.31mi	3/2.5 (-1)	1,681 (-11%)	6mo	$224,900	$134	56
13012 Lineberry Ln	0.33mi	3/2.5 (-1)	1,681 (-11%)	7mo	$224,900	$134	55
13027 Dolomar Pkwy	0.49mi	3/2.5 (-1)	1,700 (-10%)	3mo	$224,347	$132	52
4234 Fort Palmer Blvd	0.43mi	4/2.5	2,160 (+14%)	10mo	$269,900	$125	48
4640 Wild Boar Xing	0.73mi	3/2.5 (-1)	1,858 (-2%)	12mo	$320,999	$173	48
4644 Wild Boar Xing	0.73mi	4/2.5	2,042 (+8%)	9mo	$335,264	$164	46
13012 Heathers Sun	0.68mi	4/2.0	2,090 (+10%)	6mo	$325,000	$156	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.24% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 2.5%
• Equity multiple: 1.12×
• Total profit: $7,859
• Equity at exit: $79,681

10-year hold

• IRR: 5.3%
• Equity multiple: 1.63×
• Total profit: $39,463
• Equity at exit: $108,143

Cash invested: $63,000 (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 78152

• Home prices YoY: 0.4%
• Rents YoY: -0.9%
• Active inventory: 158
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,849 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$47 /mo · $566/yr
• Insurance: −$94
• HOA: −$38
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $101

Break-even live

Break-even rent $1,720

Max offer price $225,000

Occupancy floor 90%

Sensitivity live

Price	-10% $229	-5% $165	+0% $101	+5% $38	+10% $-26
Rent	-10% $-45	-5% $28	+0% $101	+5% $175	+10% $248
Rate	-1.0pp $215	-0.5pp $159	base $101	+0.5pp $43	+1.0pp $-16

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12932 Lake Fryer Converse, TX	3.0	2.0	1230	$1,200	$0.98	5d	1	0.06mi
12850 Ratcliff Lk Saint Hedwig, TX	4.0	2.5	1999	$1,800	$0.90	0d	1	0.10mi
3923 Ivy Path Saint Hedwig, TX	3.0	2.0	1445	$1,600	$1.11	25d	1	0.16mi
13015 Kathleen St Saint Hedwig, TX	3.0	2.0	1235	$1,540	$1.25	25d	1	0.21mi
13015 Kathleen St Saint Hedwig, TX	3.0	2.0	1235	$1,540	$1.25	23d	1	0.21mi
13015 Red Elks Lks Saint Hedwig, TX	3.0	2.0	1445	$1,650	$1.14	4d	1	0.22mi
3414 Jacobs Wls Saint Hedwig, TX	3.0	2.0	1450	$1,325	$0.91	6d	1	0.23mi
4018 Fallow Xing Saint Hedwig, TX	4.0	2.5	2316	$2,050	$0.89	23d	1	0.24mi
3921 Abbott Pass Unit 101 St Hedwig, TX	3.0	2.5	1345	$1,595	$1.19	12d	1	0.26mi
3925 Abbott Pass Unit 101 St Hedwig, TX	3.0	2.5	1345	$1,450	$1.08	45d	1	0.26mi
3933 Abbott Pass Unit 101 St Hedwig, TX	3.0	2.5	1345	$1,450	$1.08	25d	1	0.27mi
3815 Abbott Pass Unit 102 St Hedwig, TX	3.0	2.5	1345	$1,450	$1.08	45d	1	0.27mi
3937 Abbott Pass Unit 102 St Hedwig, TX	3.0	2.5	1345	$1,495	$1.11	45d	1	0.27mi
3909 Asher Aly Saint Hedwig, TX	3.0–4.0	2.0–2.5	1575	$1,670	$1.06	0d	1	0.28mi
3932 Abbott Pass Unit 102 St Hedwig, TX	3.0	2.5	1345	$1,495	$1.11	25d	1	0.29mi
3936 Abbott Pass Unit 101 St Hedwig, TX	3.0	2.5	1345	$1,450	$1.08	23d	1	0.30mi
12927 Deep Eddy Saint Hedwig, TX	4.0	2.0	1880	$1,695	$0.90	45d	1	0.30mi
4211 Asher Aly Saint Hedwig, TX	3.0	2.0	1248	$1,438	$1.15	5d	1	0.34mi
13019 Lineberry Ln Saint Hedwig, TX	3.0	2.0	1689	$1,638	$0.97	16d	1	0.35mi
13117 Candace Way Converse, TX	4.0	2.5	1903	$1,800	$0.95	6d	1	0.38mi
13112 Candace Way Saint Hedwig, TX	4.0	2.5	1903	$1,750	$0.92	6d	1	0.40mi
4241 Fort Palmer Blvd Saint Hedwig, TX	3.0	2.5	1858	$1,905	$1.03	0d	1	0.40mi
13014 Candace Way Converse, TX	3.0	2.5	1553	$1,675	$1.08	6d	1	0.42mi
13038 Candace Way Converse, TX	3.0	2.5	1689	$1,675	$0.99	6d	1	0.43mi
13023 Heathers Elm Saint Hedwig, TX	3.0	2.0	1234	$1,500	$1.22	3d	1	0.60mi
4522 Heathers Cross Saint Hedwig, TX	3.0	2.0	1652	$1,900	$1.15	18d	1	0.73mi
4614 Heathers Cross Saint Hedwig, TX	3.0	2.0	1770	$1,850	$1.05	25d	1	0.73mi
13039 Heathers Sun Saint Hedwig, TX	4.0	2.5	2216	$1,895	$0.86	25d	1	0.75mi
4638 Bontebok Dr Converse, TX	5.0	3.0	2495	$2,000	$0.80	6d	1	0.83mi
13311 Badlands Bnd Saint Hedwig, TX	4.0	2.5	2471	$2,250	$0.91	12d	1	0.83mi
4918 Valenzuela Converse, TX	3.0–4.0	2.0–2.5	1719	$2,144	$1.25	0d	82	0.85mi
4522 Meerkat Converse, TX	3.0	2.0	1489	$1,750	$1.18	12d	1	0.85mi
4550 Meerkat Converse, TX	4.0	2.5	2041	$1,950	$0.96	18d	1	0.86mi
13111 Bay Point Way Saint Hedwig, TX	3.0	2.0	1642	$1,595	$0.97	25d	1	0.98mi
13210 Hagerd Loop Saint Hedwig, TX	3.0	2.5	2133	$2,200	$1.03	0d	1	1.03mi
5424 Thyme Cor Saint Hedwig, TX	4.0	2.0	1667	$1,450	$0.87	22d	1	1.05mi
13014 Rosemary Cv Saint Hedwig, TX	3.0	2.0	1479	$1,800	$1.22	25d	1	1.07mi
13003 Rosemary Cv Converse, TX	4.0	3.0	1910	$1,631	$0.85	0d	1	1.07mi
12811 Sage Turn Converse, TX	4.0	3.0	1914	$1,800	$0.94	25d	1	1.07mi
5333 Basil Chase Converse, TX	3.0	2.0	1474	$1,680	$1.14	16d	1	1.09mi

HOA detail

• Monthly dues: $38 · $456/yr

Listing history 15 events

1. 2026-06-21
   days on market $225,000 Active 61 DOM
2. 2026-06-18
   days on market $225,000 Active 58 DOM
3. 2026-06-17
   days on market $225,000 Active 57 DOM
4. 2026-06-16
   days on market $225,000 Active 56 DOM
5. 2026-06-15
   days on market $225,000 Active 55 DOM
6. 2026-06-13
   days on market $225,000 Active 53 DOM
7. 2026-06-09
   days on market $225,000 Active 49 DOM
8. 2026-06-08
   days on market $225,000 Active 48 DOM
9. 2026-06-07
   days on market $225,000 Active 47 DOM
10. 2026-06-04
    days on market $225,000 Active 44 DOM
11. 2026-06-03
    days on market $225,000 Active 43 DOM
12. 2026-06-02
    statusdays on market $225,000 Active 42 DOM
13. 2026-06-01
    days on market $225,000 Price Change 41 DOM
14. 2026-05-31
    days on market $225,000 Price Change 40 DOM
15. 2026-04-21
    listed $240,000 New 511-char remark

ⓘ 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: $566 · $47/mo
• Projected year-2 tax: $4,118 · $343/mo
• Expected delta: +$3,552/yr (+$296/mo · 627.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $22,182
• − Mortgage interest: −$12,603
• − Property taxes: −$566
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,775
• − Management: −$1,775
• − HOA: −$456
• − Depreciation: −$6,545
• Taxable loss: −$2,663
• Est. tax savings @ 24.0%: +$639
• After-tax cash flow: $1,857/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 · 12 photos

Good 80/100 Cosmetic rehab

This single-level home features a spacious open floorplan with new cabinetry, appliances, and hardwood flooring. It is in good condition with no visible repairs needed, making it a move-in-ready property.

Value-add opportunities

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics
• Resale Replace countertops with quartz or granite — High-end countertops add value and appeal to potential buyers
• Both Install smart home devices — Smart home devices improve convenience and energy efficiency, attracting both buyers and renters

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics ↑
• Resale Replace countertops with quartz or granite — High-end countertops add value and appeal to potential buyers ↑
• Both Install smart home devices — Smart home devices improve convenience and energy efficiency, attracting both buyers and renters ↑

ⓘ 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: East Central ISD
• NCES district ID: 4817850
• Math proficiency: 16% ▼ -12.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $53,941
• Composite: 18.67/100
• National rank: #8887
• State rank: #758 of 826 in TX

Livability — St. Hedwig

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Bexar County · 1,990,555 people
• City population: 3,958
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 4,521
• Household income: $123,981
• Rent vs Own: 16.6% rent · 83.4% own
• Severe rent burden: 27.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 56% Hispanic / Latino 31% Two or more races 21% Black 4%
• Hispanic origin (detail): Mexican 23% Puerto Rican 1%
• Common ancestry: Romanian 17% Lithuanian 2% Slovak 2%
• Foreign-born: 8% · Canada
• Languages at home: 89% English-only · Spanish 10% Tagalog/Filipino 1%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.24%
• Current HPI: 328.7859
• Rent YoY: ▼ -0.90%
• Metro: San Antonio-New Braunfels, 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

-6.2% since first listed

2 events — show timeline

• 2026-05-23 Price Changed $225,000 LERA
• 2026-04-21 Listed $240,000 LERA

Property tax history

+17.1%/yr

Latest (2025): $566 · +17.1% YoY. Source: county tax records.