100 El Paso St · Holland, TX 76534

$209,000

3 bd · 2.0 ba · 1,274 sqft · SingleFamily public records · 11 Days on market

Built 2005 0.36 ac lot Est $209k · at est.

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Why this score? — see what drove the B- 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 +29.5/30.0
• DSCR +10.0/10.0
• 1% rule +8.4/10.0
• ARV discount +7.5/15.0
• Schools +4.4/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Come set on your front porch swing and sip tea at this charming, super clean, and comfortable 3-bedroom, 2-bathroom residence, perfectly situated on a corner city lot. This adorable home boasts an open-concept floor plan, ideal for modern living and entertaining. Large living room area with lots of natural light. 2005 Home on pier and beam, recent new roof approx 5 years old. Laundry room nicely situated near kitchen and back door area. All Furniture is negotiable. Home comes with Refrigerator, washer and dryer! Easy-to-maintain tile and laminate floors flowing throughout the main areas. The spacious kitchen area seamlessly connects to a fabulous bar looking into living room perfect for hosting gatherings or a quiet evening in. You'll love the huge outdoor space this large lot is more than a quarter of an acre, offering plenty of room for gardening, play, or future expansion. The property is framed by mature trees, providing shade and a picturesque setting. 2 Storage Sheds in the back corner of lot , practically brand new. Bring your puppies, back yard is fully fenced. Garage or Carport Concrete pad just awaiting for new owner to finish for a wonderful Garage, shop work area, carport or create an amazing outdoor living space. Located in a peaceful little town, this home offers a quiet retreat while keeping you connected to growth! This area is poised for a boost, with the exciting development of a major Tulsa plant coming nearby. This combination of small-town tranquility and future opportunity makes this property a smart and perfect place to put down roots. Holland ISD per google rated top 20 percent of Texas schools. Don't miss the chance to own this fantastic home!

Key facts

• Recent new roof
• 0.36 acre lot
• Built 2005

Tags

• OPEN-CONCEPT FLOOR PLAN
• LARGE LIVING ROOM AREA
• RECENT NEW ROOF
• LAUNDRY ROOM NEAR KITCHEN
• EASY-TO-MAINTAIN TILE FLOORS
• SPACIOUS KITCHEN AREA

Property features AI

Finance

• Other: Lot less than 0.5 acre (approximately 0.356 acre); Subdivision: Holland Original; County: Bell; Possession at closing/funding; Listing terms: Exclusive Right To Sell
• Financial info: Financing accepted: Cash, Conventional, FHA, FHA-203K, USDA Loan, VA Loan
• HOA & community: No association (no HOA)

Exterior

• Parking: Driveway parking; Additional off-street parking
• Utilities: City water; City sewer; Municipal utility district: No
• Home design: Single-family residence; Residential property; Attached status: Yes; Built in 2005; One story
• Construction: Composition roof; Pillar/Post/Pier foundation
• Exterior features: Awning(s); Covered patio/porch; Fenced yard with chain link, front yard and back yard access, gated

Interior

• Kitchen: Electric range; Microwave; Dishwasher; Refrigerator
• Bedrooms: 3 bedrooms (primary bedroom on main level with walk-in closet)
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Cable TV available; Walk-in closet(s); 6 total rooms; 1 living area; 1 dining area; One-level layout
• Laundry & utility: Washer hookup; Washer and dryer included (appliances listed)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $209k.

Deal economics

• At list price, monthly cash flow is $745 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $209k).

Location & tenants

• Location reads 70/100 on livability (#357 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Holland ISD (rural): math 53% / reading 50% proficiency, ranked #158 of 826 in TX (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Holland El (math 47% / reading 52%, grade D, #865 of 4,322 statewide, top 21%, 310 students, 41% FRL).
• Market conditions: 50 active listings in the ZIP; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).

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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $59k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 14y ago 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 flood risk; major wind risk, 77% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $209,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.34% ✓
• Cap rate: 10.57%
• Cash-on-cash: 15.29%
• DSCR: 1.68
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $208,936
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
100 El Paso St	0.00mi	3/2.0	1,274 (0%)	1mo	$209,000	$164	99
305 El Paso St	0.13mi	4/2.0 (+1)	1,336 (+5%)	13mo	$219,000	$164	70
202 S Lexington St	0.09mi	3/2.0	1,204 (-6%)	22mo	$249,900	$208	68
318 S Austin St	0.16mi	2/2.0 (-1)	1,217 (-4%)	16mo	$205,000	$168	66
306 W Travis	0.22mi	3/2.0	1,456 (+14%)	6mo	$205,000	$141	61
303 Sumbera	0.36mi	3/1.0	1,400 (+10%)	7mo	$168,000	$120	57

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: 6.0%
• Equity multiple: 1.23×
• Total profit: $13,661
• Equity at exit: $31,163

10-year hold

• IRR: 15.4%
• Equity multiple: 2.25×
• Total profit: $73,239
• Equity at exit: $18,071

Cash invested: $58,520 (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 76534

• Home prices YoY: -17.4%
• Active inventory: 50
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $2,792 medium
• Mortgage (P&I): −$1,096
• Tax from tax record: −$277 /mo · $3,325/yr
• Insurance: −$87
• HOA: −$0
• Vacancy / Maint / Mgmt: −$586
• Net cashflow: $745

Break-even live

Break-even rent $1,848

Max offer price $209,000

Occupancy floor 68%

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: $52,250
• Closing costs: $6,270
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-05-09
   status Pending
2. 2026-05-01
   historical Active Under Contract 1700-char remark

   Show marketing remark (1700 chars)

   Come set on your front porch swing and sip tea at this charming, super clean, and comfortable 3-bedroom, 2-bathroom residence, perfectly situated on a corner city lot. This adorable home boasts an open-concept floor plan, ideal for modern living and entertaining. Large living room area with lots of natural light. 2005 Home on pier and beam, recent new roof approx 5 years old. Laundry room nicely situated near kitchen and back door area. All Furniture is negotiable. Home comes with Refrigerator, washer and dryer! Easy-to-maintain tile and laminate floors flowing throughout the main areas. The spacious kitchen area seamlessly connects to a fabulous bar looking into living room perfect for hosting gatherings or a quiet evening in. You'll love the huge outdoor space this large lot is more than a quarter of an acre, offering plenty of room for gardening, play, or future expansion. The property is framed by mature trees, providing shade and a picturesque setting. 2 Storage Sheds in the back corner of lot , practically brand new. Bring your puppies, back yard is fully fenced. Garage or Carport Concrete pad just awaiting for new owner to finish for a wonderful Garage, shop work area, carport or create an amazing outdoor living space. Located in a peaceful little town, this home offers a quiet retreat while keeping you connected to growth! This area is poised for a boost, with the exciting development of a major Tulsa plant coming nearby. This combination of small-town tranquility and future opportunity makes this property a smart and perfect place to put down roots. Holland ISD per google rated top 20 percent of Texas schools. Don't miss the chance to own this fantastic home!

3. 2026-05-01
   historical Active Option Contract

   Show marketing remark (1700 chars)

   Come set on your front porch swing and sip tea at this charming, super clean, and comfortable 3-bedroom, 2-bathroom residence, perfectly situated on a corner city lot. This adorable home boasts an open-concept floor plan, ideal for modern living and entertaining. Large living room area with lots of natural light. 2005 Home on pier and beam, recent new roof approx 5 years old. Laundry room nicely situated near kitchen and back door area. All Furniture is negotiable. Home comes with Refrigerator, washer and dryer! Easy-to-maintain tile and laminate floors flowing throughout the main areas. The spacious kitchen area seamlessly connects to a fabulous bar looking into living room perfect for hosting gatherings or a quiet evening in. You'll love the huge outdoor space this large lot is more than a quarter of an acre, offering plenty of room for gardening, play, or future expansion. The property is framed by mature trees, providing shade and a picturesque setting. 2 Storage Sheds in the back corner of lot , practically brand new. Bring your puppies, back yard is fully fenced. Garage or Carport Concrete pad just awaiting for new owner to finish for a wonderful Garage, shop work area, carport or create an amazing outdoor living space. Located in a peaceful little town, this home offers a quiet retreat while keeping you connected to growth! This area is poised for a boost, with the exciting development of a major Tulsa plant coming nearby. This combination of small-town tranquility and future opportunity makes this property a smart and perfect place to put down roots. Holland ISD per google rated top 20 percent of Texas schools. Don't miss the chance to own this fantastic home!

4. 2026-04-29
   price $209,000
5. 2026-04-28
   price $209,000 1700-char remark

   Show marketing remark (1700 chars)

   Come set on your front porch swing and sip tea at this charming, super clean, and comfortable 3-bedroom, 2-bathroom residence, perfectly situated on a corner city lot. This adorable home boasts an open-concept floor plan, ideal for modern living and entertaining. Large living room area with lots of natural light. 2005 Home on pier and beam, recent new roof approx 5 years old. Laundry room nicely situated near kitchen and back door area. All Furniture is negotiable. Home comes with Refrigerator, washer and dryer! Easy-to-maintain tile and laminate floors flowing throughout the main areas. The spacious kitchen area seamlessly connects to a fabulous bar looking into living room perfect for hosting gatherings or a quiet evening in. You'll love the huge outdoor space this large lot is more than a quarter of an acre, offering plenty of room for gardening, play, or future expansion. The property is framed by mature trees, providing shade and a picturesque setting. 2 Storage Sheds in the back corner of lot , practically brand new. Bring your puppies, back yard is fully fenced. Garage or Carport Concrete pad just awaiting for new owner to finish for a wonderful Garage, shop work area, carport or create an amazing outdoor living space. Located in a peaceful little town, this home offers a quiet retreat while keeping you connected to growth! This area is poised for a boost, with the exciting development of a major Tulsa plant coming nearby. This combination of small-town tranquility and future opportunity makes this property a smart and perfect place to put down roots. Holland ISD per google rated top 20 percent of Texas schools. Don't miss the chance to own this fantastic home!

6. 2026-04-28
   listed $215,000 Active

   Show marketing remark (1700 chars)

   Come set on your front porch swing and sip tea at this charming, super clean, and comfortable 3-bedroom, 2-bathroom residence, perfectly situated on a corner city lot. This adorable home boasts an open-concept floor plan, ideal for modern living and entertaining. Large living room area with lots of natural light. 2005 Home on pier and beam, recent new roof approx 5 years old. Laundry room nicely situated near kitchen and back door area. All Furniture is negotiable. Home comes with Refrigerator, washer and dryer! Easy-to-maintain tile and laminate floors flowing throughout the main areas. The spacious kitchen area seamlessly connects to a fabulous bar looking into living room perfect for hosting gatherings or a quiet evening in. You'll love the huge outdoor space this large lot is more than a quarter of an acre, offering plenty of room for gardening, play, or future expansion. The property is framed by mature trees, providing shade and a picturesque setting. 2 Storage Sheds in the back corner of lot , practically brand new. Bring your puppies, back yard is fully fenced. Garage or Carport Concrete pad just awaiting for new owner to finish for a wonderful Garage, shop work area, carport or create an amazing outdoor living space. Located in a peaceful little town, this home offers a quiet retreat while keeping you connected to growth! This area is poised for a boost, with the exciting development of a major Tulsa plant coming nearby. This combination of small-town tranquility and future opportunity makes this property a smart and perfect place to put down roots. Holland ISD per google rated top 20 percent of Texas schools. Don't miss the chance to own this fantastic home!

7. 2026-04-15
   price $215,000 1700-char remark

   Show marketing remark (1700 chars)

   Come set on your front porch swing and sip tea at this charming, super clean, and comfortable 3-bedroom, 2-bathroom residence, perfectly situated on a corner city lot. This adorable home boasts an open-concept floor plan, ideal for modern living and entertaining. Large living room area with lots of natural light. 2005 Home on pier and beam, recent new roof approx 5 years old. Laundry room nicely situated near kitchen and back door area. All Furniture is negotiable. Home comes with Refrigerator, washer and dryer! Easy-to-maintain tile and laminate floors flowing throughout the main areas. The spacious kitchen area seamlessly connects to a fabulous bar looking into living room perfect for hosting gatherings or a quiet evening in. You'll love the huge outdoor space this large lot is more than a quarter of an acre, offering plenty of room for gardening, play, or future expansion. The property is framed by mature trees, providing shade and a picturesque setting. 2 Storage Sheds in the back corner of lot , practically brand new. Bring your puppies, back yard is fully fenced. Garage or Carport Concrete pad just awaiting for new owner to finish for a wonderful Garage, shop work area, carport or create an amazing outdoor living space. Located in a peaceful little town, this home offers a quiet retreat while keeping you connected to growth! This area is poised for a boost, with the exciting development of a major Tulsa plant coming nearby. This combination of small-town tranquility and future opportunity makes this property a smart and perfect place to put down roots. Holland ISD per google rated top 20 percent of Texas schools. Don't miss the chance to own this fantastic home!

8. 2026-02-19
   listed $239,000 Active 1700-char remark

   Show marketing remark (1700 chars)

   Come set on your front porch swing and sip tea at this charming, super clean, and comfortable 3-bedroom, 2-bathroom residence, perfectly situated on a corner city lot. This adorable home boasts an open-concept floor plan, ideal for modern living and entertaining. Large living room area with lots of natural light. 2005 Home on pier and beam, recent new roof approx 5 years old. Laundry room nicely situated near kitchen and back door area. All Furniture is negotiable. Home comes with Refrigerator, washer and dryer! Easy-to-maintain tile and laminate floors flowing throughout the main areas. The spacious kitchen area seamlessly connects to a fabulous bar looking into living room perfect for hosting gatherings or a quiet evening in. You'll love the huge outdoor space this large lot is more than a quarter of an acre, offering plenty of room for gardening, play, or future expansion. The property is framed by mature trees, providing shade and a picturesque setting. 2 Storage Sheds in the back corner of lot , practically brand new. Bring your puppies, back yard is fully fenced. Garage or Carport Concrete pad just awaiting for new owner to finish for a wonderful Garage, shop work area, carport or create an amazing outdoor living space. Located in a peaceful little town, this home offers a quiet retreat while keeping you connected to growth! This area is poised for a boost, with the exciting development of a major Tulsa plant coming nearby. This combination of small-town tranquility and future opportunity makes this property a smart and perfect place to put down roots. Holland ISD per google rated top 20 percent of Texas schools. Don't miss the chance to own this fantastic home!

9. 2019-11-05
   soldstatus
10. 2019-10-05
    status Pending
11. 2019-09-27
    status Active
12. 2019-09-25
    status Pending with Option
13. 2019-09-19
    listed $140,000 Active
14. 2012-04-30
    soldstatus
15. 2012-04-26
    soldstatus
16. 2012-04-26
    soldstatus
17. 2012-02-28
    historical
18. 2012-02-15
    listed $60,000
19. 2012-02-15
    listed $60,000
20. 2005-08-23
    soldstatus
21. 1995-12-20
    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: $3,325 · $277/mo
• Projected year-2 tax: $3,825 · $319/mo
• Expected delta: +$499/yr (+$42/mo · 15.0%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 75% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 77% 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: $33,503
• − Mortgage interest: −$11,707
• − Property taxes: −$3,325
• − Insurance: −$1,045
• − Repairs & maintenance: −$2,680
• − Management: −$2,680
• − Depreciation: −$6,080
• Taxable income: $5,985
• Est. tax owed @ 24.0%: −$1,436
• After-tax cash flow: $7,509/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: Holland ISD
• NCES district ID: 4823370
• Math proficiency: 53% ▼ -8.00%
• Reading proficiency: 50% ▼ -10.00%
• Median HH income: $47,232
• Composite: 43.78/100
• National rank: #2938
• State rank: #158 of 826 in TX

Livability — Holland

• Score: 70/100
• State rank: #357
• US rank: #7736

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Holland, TX
• Population (ZIP): 2,812

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: Predominantly White (75%)
• Race & ethnicity: White 75% Hispanic / Latino 17% Black 5% Two or more races 4%
• Hispanic origin (detail): Mexican 15%
• Common ancestry: Slovak 5% Romanian 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 8% Other Indo-European 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: ▼ -52.62%
• Current HPI: 249.7032
• 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

+248.3% since first listed

21 events — show timeline

• 2026-05-09 Pending — NTREIS
• 2026-05-01 Contingent — CTXMLS
• 2026-05-01 Contingent — NTREIS
• 2026-04-29 Price Changed $209,000 NTREIS
• 2026-04-28 Price Changed $209,000 CTXMLS
• 2026-04-28 Listed $215,000 NTREIS
• 2026-04-15 Price Changed $215,000 CTXMLS
• 2026-02-19 Listed $239,000 CTXMLS
• 2019-11-05 Sold (Public Records) — Public Records
• 2019-10-05 Pending — CTXMLS
• 2019-09-27 Relisted — CTXMLS
• 2019-09-25 Pending — CTXMLS
• 2019-09-19 Listed $140,000 CTXMLS
• 2012-04-30 Sold (Public Records) — Public Records
• 2012-04-26 Sold (MLS) — CTXMLS
• 2012-04-26 Sold (MLS) — Unlock MLS
• 2012-02-28 Delisted — Unlock MLS
• 2012-02-15 Listed $60,000 CTXMLS
• 2012-02-15 Listed $60,000 Unlock MLS
• 2005-08-23 Sold (Public Records) — Public Records
• 1995-12-20 Sold (Public Records) — Public Records

Property tax history

+6.9%/yr

Latest (2025): $3,325 · +1.5% YoY. Source: county tax records.