910 Leonhard St · Copperas Cove, TX 76522

$125,000

4 bd · 1.0 ba · 1,287 sqft · SingleFamily public records · 35 Days on market

Built 1975 0.26 ac lot $97/sqft · 23% below area Est $162k · 23% 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 +21.9/30.0
• ARV discount +15.0/15.0
• DSCR +7.0/10.0
• 1% rule +6.0/10.0
• Schools +3.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks

Refreshed 4 Bed 1 Bath Home For Sale in Copperas Cove, Texas. Will sell for 2.15 Bitcoin! Seller Financing available with just $3,500 down plus ~$2000 closing cost. You could buy this home with your tax return! Monthly payments $1,021.46/mo - tour this beautiful four bedroom one bathroom home today and make it your own! It has all new carpet, a central HVAC, large yard with three bedrooms and one large bonus room, making four rooms and one bathroom. With nice appliances provided in the kitchen, the washer and dryer hook up is available.

Key facts

• 0.26 acre lot
• Built 1975
• Listed 35 days

Property features AI

Exterior

• Parking: Asphalt road access
• Utilities: Public water; Public sewer; Water available
• Home design: Single-story home; Resale property; Pillar/post/pier foundation
• Construction: Composition/shingle roof; Construction details referenced in remarks; Year built per assessor
• Exterior features: Chain link fencing; Exterior details noted in remarks

Interior

• Kitchen: Microwave; Range; Some gas appliances
• Bedrooms: One bedroom on the main level
• Flooring: Carpet; Laminate
• Bathrooms: One full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Carpet and laminate flooring; Additional interior features noted in remarks
• Laundry & utility: Washer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $197 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $121k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 3.4% in Copperas Cove — 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 65/100 on livability (#706 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D+, amenities F.
• Copperas Cove ISD (suburban): math 41% / reading 42% proficiency, ranked #340 of 826 in TX (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-0.2%/yr); 608 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; 386 units permitted in Coryell County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($121k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 22y 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 wind risk, 55% chance of damaging wind over 30y; moderate 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 $121,250 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 8.19%
• Cash-on-cash: 6.76%
• DSCR: 1.30
• GRM: 7.6

CMA / ARV

• ARV (median comp): $162,250
• List price: $125,000
• Delta: -22.96%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
910 Leonhard St	0.00mi	4/1.0	1,287 (0%)	1mo	$125,000	$97	100
1303 Little St	0.21mi	3/2.0 (-1)	1,258 (-2%)	1mo	$175,000	$139	77
815 Shady Ln	0.12mi	3/1.5 (-1)	1,404 (+9%)	6mo	$92,500	$66	67
914 Edwards St	0.19mi	3/2.0 (-1)	1,149 (-11%)	3mo	$179,800	$156	61
2206 Phyllis Dr	0.71mi	3/2.0 (-1)	1,300 (+1%)	1mo	$191,000	$147	55
505 Curry Ave	0.54mi	3/1.5 (-1)	1,338 (+4%)	8mo	$77,000	$58	54
708 Shady Ln	0.20mi	3/1.5 (-1)	1,104 (-14%)	8mo	$107,500	$97	53
315 Ash St	0.59mi	3/1.5 (-1)	1,353 (+5%)	7mo	$92,500	$68	51
1709 Pleasant Ln	0.56mi	3/2.0 (-1)	1,429 (+11%)	0mo	$187,500	$131	46
707 S 5th St	0.57mi	3/1.0 (-1)	1,112 (-14%)	1mo	$116,000	$104	45
1002 S 7th St	0.57mi	3/2.0 (-1)	1,122 (-13%)	4mo	$62,000	$55	39
1211 S 13th St	0.70mi	3/2.0 (-1)	1,118 (-13%)	4mo	$117,000	$105	34

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: -9.4%
• Equity multiple: 0.67×
• Total profit: $-11,683
• Equity at exit: $18,638

10-year hold

• IRR: -4.7%
• Equity multiple: 0.73×
• Total profit: $-9,386
• Equity at exit: $10,808

Cash invested: $35,000 (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 76522

• Home prices YoY: -22.4%
• Rents YoY: -0.2%
• Active inventory: 608
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,370 high
• Mortgage (P&I): −$656
• Tax from tax record: −$177 /mo · $2,129/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $197

Break-even live

Break-even rent $1,120

Max offer price $125,000

Occupancy floor 81%

Sensitivity live

Price	-10% $268	-5% $232	+0% $197	+5% $162	+10% $126
Rent	-10% $89	-5% $143	+0% $197	+5% $251	+10% $305
Rate	-1.0pp $260	-0.5pp $229	base $197	+0.5pp $165	+1.0pp $132

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
914 Chalk St Copperas Cove, TX	3.0	2.0	1107	$1,200	$1.08	24d	1	0.05mi
1202 S FM 116 Copperas Cove, TX	1.0–3.0	1.0–2.0	922	$1,560	$1.69	15d	12	0.36mi
1010 Georgetown Rd Copperas Cove, TX	3.0	1.0	1018	$995	$0.98	45d	1	0.42mi
1202 S 3rd St Copperas Cove, TX	3.0	2.0	1056	$1,175	$1.11	45d	1	0.44mi
902 Lynn Ln Copperas Cove, TX	3.0	2.0	1661	$1,600	$0.96	15d	1	0.45mi
1004 S 3rd St Copperas Cove, TX	3.0	1.0	940	$950	$1.01	24d	1	0.47mi
904 Mary St Copperas Cove, TX	3.0	2.0	1041	$1,052	$1.01	45d	1	0.50mi
808 Mary St Copperas Cove, TX	3.0	1.0	1028	$1,300	$1.26	45d	1	0.52mi
1204 S 7th St Copperas Cove, TX	3.0	2.0	1202	$1,295	$1.08	45d	1	0.55mi
1201 S 9th St Copperas Cove, TX	3.0	2.0	1172	$1,100	$0.94	24d	1	0.58mi
607 Curry Ave Copperas Cove, TX	3.0	1.5	1192	$935	$0.78	24d	1	0.59mi
1005 S 11th St Copperas Cove, TX	4.0	2.0	1236	$1,090	$0.88	45d	1	0.64mi
1816 S FM 116 Unit A Copperas Cove, TX	3.0	2.0	1058	$1,150	$1.09	15d	1	0.68mi
1904 Pleasant Ln Copperas Cove, TX	3.0	2.0	1352	$1,400	$1.04	45d	1	0.68mi
1902 Patricia St Copperas Cove, TX	5.0	2.0	1520	$1,545	$1.02	15d	1	0.68mi
903 Curry Ave Copperas Cove, TX	3.0	2.5	1285	$1,200	$0.93	24d	1	0.72mi
303 Margaret Lee St Copperas Cove, TX	3.0	1.0	1124	$915	$0.81	15d	1	0.73mi
1005 Phil Ave Copperas Cove, TX	3.0	1.0	1026	$1,025	$1.00	45d	1	0.74mi
915 S 15th St Copperas Cove, TX	3.0	2.0	1008	$850	$0.84	15d	1	0.76mi
1102 Creek St Copperas Cove, TX	4.0	2.5	1834	$1,675	$0.91	45d	1	0.76mi
202 Margaret Lee St Copperas Cove, TX	5.0	2.0	1558	$1,525	$0.98	15d	1	0.77mi
604 S 11th St Copperas Cove, TX	3.0	2.0	1119	$1,300	$1.16	45d	1	0.78mi
403 S 7th St Copperas Cove, TX	3.0	1.0	910	$1,100	$1.21	45d	1	0.79mi
408 Allen St Copperas Cove, TX	3.0	1.0	1300	$1,095	$0.84	24d	1	0.82mi
1005 S 19th St Copperas Cove, TX	3.0	1.5	1356	$1,100	$0.81	45d	1	0.86mi
502 S 9th St Copperas Cove, TX	3.0	1.5	1479	$1,150	$0.78	45d	1	0.86mi
1208 S 19th St Copperas Cove, TX	3.0	1.5	1010	$1,525	$1.51	24d	1	0.87mi
917 Whirlaway Dr Copperas Cove, TX	3.0	2.0	1300	$1,500	$1.15	45d	1	0.88mi
1613 Miranda Ave Copperas Cove, TX	3.0	2.0	1630	$1,395	$0.86	24d	1	0.93mi
1006 S 21st St Copperas Cove, TX	4.0	2.0	1445	$1,100	$0.76	45d	1	0.94mi
518 Kate St Copperas Cove, TX	4.0	1.5	1302	$1,595	$1.23	45d	1	0.94mi
412 West Avenue C Unit C Copperas Cove, TX	3.0	2.0	1343	$1,600	$1.19	22d	1	0.94mi
414 West Avenue C Unit C Copperas Cove, TX	3.0	2.0	1343	$1,600	$1.19	45d	1	0.95mi
1107 Tyler Dr Copperas Cove, TX	3.0	2.0	1409	$1,500	$1.06	45d	1	0.95mi
924 Northern Dancer Dr Copperas Cove, TX	4.0	2.0	1610	$1,650	$1.02	45d	1	0.95mi
1002 Northern Dancer Dr Copperas Cove, TX	4.0	2.0	1605	$1,750	$1.09	45d	1	0.96mi
1003 E Robertson Ave Copperas Cove, TX	3.0	2.0	1042	$1,150	$1.10	24d	1	0.98mi
507 Kate St Copperas Cove, TX	3.0	2.0	1280	$1,295	$1.01	24d	1	0.99mi
1302 S 23rd St Copperas Cove, TX	4.0	1.5	1453	$1,320	$0.91	45d	1	1.00mi
509 West Avenue B Copperas Cove, TX	3.0	2.0	1339	$1,175	$0.88	24d	1	1.01mi

Listing history 12 events

1. 2026-06-03
   days on market $125,000 Active 35 DOM
2. 2026-06-02
   days on market $125,000 Active 34 DOM
3. 2026-06-01
   days on market $125,000 Active 33 DOM
4. 2026-05-31
   days on market $125,000 Active 32 DOM
5. 2026-05-30
   days on market $125,000 Active 31 DOM
6. 2026-04-29
   listed $125,000 Active 542-char remark
7. 2026-03-02
   historical
8. 2026-02-06
   listed $125,000 Active
9. 2023-09-22
   soldstatus
10. 2021-07-23
    soldstatus
11. 2004-12-26
    historical
12. 2004-06-26
    listed $43,000

ⓘ 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: $2,129 · $177/mo
• Projected year-2 tax: $2,288 · $191/mo
• Expected delta: +$159/yr (+$13/mo · 7.4%)

ⓘ 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 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥106°F today · 23 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 55% 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: $16,437
• − Mortgage interest: −$7,002
• − Property taxes: −$2,129
• − Insurance: −$625
• − Repairs & maintenance: −$1,315
• − Management: −$1,315
• − Depreciation: −$3,636
• Taxable income: $415
• Est. tax owed @ 24.0%: −$100
• After-tax cash flow: $2,266/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: Copperas Cove ISD
• NCES district ID: 4815240
• Math proficiency: 41% ▼ -6.00%
• Reading proficiency: 42% ▼ -2.00%
• Median HH income: $51,072
• Composite: 35.85/100
• National rank: #4822
• State rank: #340 of 826 in TX

Livability — Copperas Cove

• Score: 65/100
• State rank: #706
• US rank: #13158

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Copperas Cove, TX
• County: Coryell County · 61,053 people
• City population: 42,118
• Metro: Killeen-Temple, TX
• Population (ZIP): 42,118
• Household income: $72,206
• Rent vs Own: 37.9% rent · 62.1% own
• Severe rent burden: 1019.0

Population outlook (Coryell County) Hauer SSP2

• Today (2025): 75,485 people
• By 2030: 75,627 · +0.2%
• By 2040: 74,898 · -0.8%
• By 2050: 74,221 · -1.7%
• By 2075: 72,688 · -3.7%
• By 2100: 66,862 · -11.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 53% Hispanic / Latino 21% Two or more races 20% Black 14% Asian 2%
• Hispanic origin (detail): Mexican 11% Puerto Rican 6%
• Common ancestry: Romanian 2% Italian 2% Lithuanian 2%
• Foreign-born: 7% · Canada, South Korea
• Languages at home: 85% English-only · Spanish 10% German/W. Germanic 2% Other Asian/Pacific 1%

Political lean MEDSL · Coryell

• 2024 margin: Solid R (+40.7) · D 29.1% · R 69.8% · Other 1.1%
• 2008→2024 swing: -13.8pp toward R · 2008: -26.9pp · 2024: -40.7pp
• All cycles: 2024: R+40.7 2020: R+33.5 2016: R+39.5 2012: R+36.6 2008: R+26.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -53.11%
• Current HPI: 183.9452
• Rent YoY: ▼ -0.25%
• 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

+190.7% since first listed

9 events — show timeline

• 2026-06-03 Pending — CTXMLS
• 2026-06-03 Sold (MLS) $125,000 CTXMLS
• 2026-04-29 Listed $125,000 CTXMLS
• 2026-03-02 Listing Removed — CTXMLS
• 2026-02-06 Listed $125,000 CTXMLS
• 2023-09-22 Sold (Public Records) — Public Records
• 2021-07-23 Sold (Public Records) — Public Records
• 2004-12-26 Listing Removed — CTXMLS
• 2004-06-26 Listed $43,000 CTXMLS

Property tax history

+4.2%/yr

Latest (2025): $2,129 · +2.7% YoY. Source: county tax records.