4710 Silver Leaf Ct · Temple, TX 76502

$188,000

3 bd · 2.0 ba · 1,424 sqft · SingleFamily public records · 169 Days on market

Built 1995 5,475 sqft lot $132/sqft · 28% below area Est $260k · 28% under

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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).

• ARV discount +15.0/15.0
• Cash flow +7.8/30.0
• Livability +3.8/5.0
• 1% rule +3.7/10.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• DSCR +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 4710 Silver Leaf Ct, a home that exudes warmth and elegance. As you step inside, you're greeted by a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Retreat to the primary bathroom, where double sinks offer convenience and luxury. Outside, a covered patio provides a perfect spot for relaxation or entertaining, while the fenced-in backyard ensures privacy and security. This home is a perfect blend of comfort and waiting for you to make it your own.

Key facts

• Double sinks
• Covered patio
• Cozy fireplace

Tags

• COZY FIREPLACE
• STAINLESS STEEL APPLIANCES
• DOUBLE SINKS
• COVERED PATIO
• FENCED-IN BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $188k.

Deal economics

• At list price, monthly cash flow is $-206 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $152k (19.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $163k (13.1% below list).
• Recommended offer: $152k (19.4% below list) — sets the bar for cash-flow.
• Cap rate 5.0% 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+.
• Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.8%/yr); 1114 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 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.

Negotiation context

• It's been on market 169 days — a 12% lower offer ($165k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 20y ago; this cycle's ask has dropped $23k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $94k; list at $188k implies a 99% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.8% of price.
• Climate carrying-cost: major wind risk, 70% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $151,600 (19.4% 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. It's been on market 169 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.87% ✗
• Cap rate: 4.98%
• Cash-on-cash: -4.70%
• DSCR: 0.79
• GRM: 9.6

CMA / ARV

• ARV (median comp): $260,088
• List price: $188,000
• Delta: -27.72%
• 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
1023 Paseo Del Plata	0.26mi	3/2.0	1,420 (-0%)	1mo	$240,000	$169	87
407 Sterling Manor Ct	0.15mi	3/2.0	1,323 (-7%)	1mo	$199,900	$151	80
5013 Sarahs Way	0.26mi	3/2.0	1,478 (+4%)	3mo	$260,000	$176	79
5015 Karla Way	0.20mi	3/2.0	1,523 (+7%)	1mo	$249,000	$163	78
4612 Canyon Rdg	0.30mi	3/2.0	1,317 (-8%)	1mo	$200,000	$152	73
602 Westchester Ct	0.58mi	3/2.0	1,478 (+4%)	3mo	$258,000	$175	64
4735 Stonehaven Dr	0.56mi	3/2.0	1,349 (-5%)	1mo	$210,000	$156	64
4930 Heather Marie	0.20mi	3/2.0	1,635 (+15%)	4mo	$269,500	$165	63
5806 Markham Dr	0.73mi	3/2.0	1,500 (+5%)	1mo	$265,000	$177	56
1612 Crooked Tree	0.69mi	3/2.0	1,577 (+11%)	2mo	$315,000	$200	48
113 Bashaw Loop	0.72mi	3/2.0	1,605 (+13%)	2mo	$260,000	$162	44
513 Dandridge Dr	0.67mi	4/2.0 (+1)	1,624 (+14%)	3mo	$277,000	$171	38

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: -28.2%
• Equity multiple: 0.08×
• Total profit: $-48,231
• Equity at exit: $28,031

10-year hold

• IRR: -48.3%
• Equity multiple: -0.46×
• Total profit: $-76,811
• Equity at exit: $16,255

Cash invested: $52,640 (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: 9.6×

Monthly cashflow live

• Estimated rent: $1,634 high
• Mortgage (P&I): −$986
• Tax from tax record: −$433 /mo · $5,194/yr
• Insurance: −$78
• HOA: −$0
• Vacancy / Maint / Mgmt: −$343
• Net cashflow: $-206

Break-even live

Break-even rent $1,895

Max offer price $151,600

Occupancy floor —

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: $47,000
• Closing costs: $5,640
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4706 Hartrick Bluff Rd Temple, TX	3.0	2.0	1257	$1,550	$1.23	43d	1	0.04mi
802 Hartrick Cir Temple, TX	3.0	2.0	1400	$1,645	$1.18	43d	1	0.05mi
4802 Silver Wood Ct Temple, TX	3.0	2.0	1255	$1,550	$1.24	23d	1	0.06mi
4609 High Pointe Dr Temple, TX	3.0	2.0	1152	$1,545	$1.34	43d	1	0.14mi
614 Paseo del Plata Unit A Temple, TX	3.0	2.0	1316	$1,350	$1.03	43d	1	0.14mi
615B Kacie Dr Unit B Temple, TX	3.0	2.0	1300	$1,295	$1.00	23d	1	0.16mi
615 Kacie Dr Temple, TX	3.0	2.0	1300	$1,295	$1.00	23d	1	0.16mi
5020 Sean Patrick Gln Temple, TX	4.0	2.0	1776	$1,950	$1.10	21d	1	0.20mi
602 Kacie Dr Unit A Temple, TX	3.0	2.0	1340	$1,395	$1.04	13d	1	0.20mi
826 Kacie Dr Temple, TX	4.0	2.0	1562	$1,725	$1.10	43d	1	0.20mi
505 Kacie Dr Temple, TX	3.0	2.0	1316	$1,425	$1.08	43d	1	0.20mi
4615 Brutus Ln Temple, TX	3.0	2.0	1350	$1,295	$0.96	13d	1	0.22mi
Karey Dr Unit B Temple, TX	3.0	2.0	1450	$1,395	$0.96	23d	1	0.22mi
4521 Brutus Ln Unit B Temple, TX	3.0	2.0	1350	$1,395	$1.03	43d	1	0.24mi
516 Karey Dr Unit A Temple, TX	3.0	2.0	988	$2,100	$2.13	43d	1	0.26mi
504 Karey Dr Unit A Temple, TX	3.0	2.0	1316	$1,275	$0.97	43d	1	0.28mi
4403 Brutus Ln Unit B Temple, TX	3.0	2.0	1316	$1,400	$1.06	23d	1	0.32mi
212A Andy Ln Temple, TX	3.0	2.0	1300	$1,395	$1.07	43d	1	0.34mi
208A Andy Ln Temple, TX	3.0	2.0	1300	$1,395	$1.07	43d	1	0.35mi
1213 Waters Dairy Rd Temple, TX	1.0–2.0	1.0–2.0	902	$1,322	$1.46	13d	21	0.40mi
1319 Calle de Bronce Unit B Temple, TX	3.0	2.0	1400	$1,600	$1.14	13d	1	0.53mi
108 McFaddan Ln Temple, TX	4.0	2.0	1799	$1,795	$1.00	43d	1	0.59mi
507 Marlandwood Rd Temple, TX	2.0	2.0	1267	$1,699	$1.34	43d	1	0.62mi
5620 Blackstone Dr Temple, TX	3.0	2.0	1723	$1,795	$1.04	43d	1	0.62mi
5107 Leaning Tree Temple, TX	4.0	2.0	1636	$1,895	$1.16	23d	1	0.63mi
5615 Fair Hill Dr Temple, TX	3.0	2.0	1539	$1,695	$1.10	43d	1	0.63mi
5619 Fair Hill Dr Temple, TX	3.0	2.0	1567	$1,895	$1.21	13d	1	0.64mi
5707 Blackstone Dr Temple, TX	3.0	2.0	1470	$1,795	$1.22	43d	1	0.67mi
105 Pullman Place Blvd Temple, TX	3.0	2.0	1458	$1,675	$1.15	13d	1	0.69mi
808 Wyndham Hill Pkwy Temple, TX	4.0	2.0	1863	$2,000	$1.07	23d	1	0.74mi
216 Pullman Place Blvd Temple, TX	3.0	2.0	1206	$1,600	$1.33	43d	1	0.75mi
609 Coventry Dr Temple, TX	3.0	2.0	1583	$1,795	$1.13	13d	1	0.77mi
5705 Stanford Dr Temple, TX	3.0	2.0	1431	$1,600	$1.12	13d	1	0.77mi
5811 Alexandria Dr Temple, TX	3.0	2.0	1494	$1,695	$1.13	13d	1	0.78mi
5829 Worthing Dr Temple, TX	4.0	2.0	1735	$1,895	$1.09	23d	1	0.80mi
764 Marlandwood Rd Temple, TX	1.0–3.0	1.0–2.0	975	$1,655	$1.70	13d	33	0.80mi
1613 Avalon Rd Temple, TX	3.0	2.0	1388	$1,650	$1.19	23d	1	0.83mi
911 Ferrara Cir Unit A Temple, TX	3.0	2.0	1215	$1,350	$1.11	13d	1	0.83mi
5005 Warwicke Dr Temple, TX	3.0	2.0	1468	$1,850	$1.26	43d	1	0.83mi
3914 S 31st St Temple, TX	3.0	2.0	1262	$1,250	$0.99	13d	1	0.84mi

Listing history 25 events

1. 2026-06-14
   statusdays on market $188,000 Pending 169 DOM
2. 2026-06-10
   days on market $188,000 Active 167 DOM
3. 2026-06-09
   days on market $188,000 Active 166 DOM
4. 2026-06-08
   days on market $188,000 Active 165 DOM
5. 2026-06-07
   days on market $188,000 Active 164 DOM
6. 2026-06-03
   days on market $188,000 Active 160 DOM
7. 2026-06-02
   days on market $188,000 Active 159 DOM
8. 2026-06-01
   days on market $188,000 Active 158 DOM
9. 2026-05-31
   days on market $188,000 Active 157 DOM
10. 2026-05-30
    days on market $188,000 Active 156 DOM
11. 2026-05-14
    price $188,000 561-char remark

    Show marketing remark (561 chars)

    Welcome to 4710 Silver Leaf Ct, a home that exudes warmth and elegance. As you step inside, you're greeted by a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Retreat to the primary bathroom, where double sinks offer convenience and luxury. Outside, a covered patio provides a perfect spot for relaxation or entertaining, while the fenced-in backyard ensures privacy and security. This home is a perfect blend of comfort and waiting for you to make it your own.

12. 2026-04-30
    price $195,000 561-char remark

    Show marketing remark (561 chars)

    Welcome to 4710 Silver Leaf Ct, a home that exudes warmth and elegance. As you step inside, you're greeted by a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Retreat to the primary bathroom, where double sinks offer convenience and luxury. Outside, a covered patio provides a perfect spot for relaxation or entertaining, while the fenced-in backyard ensures privacy and security. This home is a perfect blend of comfort and waiting for you to make it your own.

13. 2026-04-09
    price $200,000 561-char remark

    Show marketing remark (561 chars)

    Welcome to 4710 Silver Leaf Ct, a home that exudes warmth and elegance. As you step inside, you're greeted by a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Retreat to the primary bathroom, where double sinks offer convenience and luxury. Outside, a covered patio provides a perfect spot for relaxation or entertaining, while the fenced-in backyard ensures privacy and security. This home is a perfect blend of comfort and waiting for you to make it your own.

14. 2026-02-26
    price $207,000 561-char remark

    Show marketing remark (561 chars)

    Welcome to 4710 Silver Leaf Ct, a home that exudes warmth and elegance. As you step inside, you're greeted by a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Retreat to the primary bathroom, where double sinks offer convenience and luxury. Outside, a covered patio provides a perfect spot for relaxation or entertaining, while the fenced-in backyard ensures privacy and security. This home is a perfect blend of comfort and waiting for you to make it your own.

15. 2026-01-28
    status Active 561-char remark

    Show marketing remark (561 chars)

    Welcome to 4710 Silver Leaf Ct, a home that exudes warmth and elegance. As you step inside, you're greeted by a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Retreat to the primary bathroom, where double sinks offer convenience and luxury. Outside, a covered patio provides a perfect spot for relaxation or entertaining, while the fenced-in backyard ensures privacy and security. This home is a perfect blend of comfort and waiting for you to make it your own.

16. 2025-12-18
    listed $211,000 Active 561-char remark

    Show marketing remark (561 chars)

    Welcome to 4710 Silver Leaf Ct, a home that exudes warmth and elegance. As you step inside, you're greeted by a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting all stainless steel appliances that add a modern touch. Retreat to the primary bathroom, where double sinks offer convenience and luxury. Outside, a covered patio provides a perfect spot for relaxation or entertaining, while the fenced-in backyard ensures privacy and security. This home is a perfect blend of comfort and waiting for you to make it your own.

17. 2025-12-17
    soldstatus
18. 2020-05-07
    soldstatus
19. 2020-03-06
    status Pending
20. 2020-03-03
    listed $155,000 Active
21. 2006-06-12
    soldstatus $94,500
22. 2006-06-12
    soldstatus
23. 2006-04-08
    listed $92,990
24. 1995-11-03
    soldstatus
25. 1995-05-19
    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: $5,194 · $433/mo
• Projected year-2 tax: $5,194 · $433/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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 25 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: $19,610
• − Mortgage interest: −$10,531
• − Property taxes: −$5,194
• − Insurance: −$940
• − Repairs & maintenance: −$1,569
• − Management: −$1,569
• − Depreciation: −$5,469
• Taxable loss: −$5,661
• Est. tax savings @ 24.0%: +$1,359
• After-tax cash flow: $-1,114/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: Temple ISD
• NCES district ID: 4842330
• Math proficiency: 32% ▼ -8.00%
• Reading proficiency: 31% ▼ -4.00%
• Median HH income: $43,120
• Composite: 26.8/100
• National rank: #7123
• State rank: #590 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

+102.2% since first listed

15 events — show timeline

• 2026-05-14 Price Changed $188,000 CTXMLS
• 2026-04-30 Price Changed $195,000 CTXMLS
• 2026-04-09 Price Changed $200,000 CTXMLS
• 2026-02-26 Price Changed $207,000 CTXMLS
• 2026-01-28 Relisted — CTXMLS
• 2025-12-18 Listed $211,000 CTXMLS
• 2025-12-17 Sold (Public Records) — Public Records
• 2020-05-07 Sold (Public Records) — Public Records
• 2020-03-06 Pending — CTXMLS
• 2020-03-03 Listed $155,000 CTXMLS
• 2006-06-12 Sold (Public Records) — Public Records
• 2006-06-12 Sold (MLS) $94,500 CTXMLS
• 2006-04-08 Listed $92,990 CTXMLS
• 1995-11-03 Sold (Public Records) — Public Records
• 1995-05-19 Sold (Public Records) — Public Records

Property tax history

+6.6%/yr

Latest (2025): $5,194 · +2.5% YoY. Source: county tax records.