8510 Delmar St · White Settlement, TX 76108

$175,000

3 bd · 1.0 ba · 1,422 sqft · SingleFamily public records · 49 Days on market

Built 1951 7,579 sqft lot $123/sqft · 20% below area Est $219k · 20% 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 +17.5/30.0
• ARV discount +15.0/15.0
• DSCR +5.5/10.0
• 1% rule +4.9/10.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This unique home is a jewel waiting to shine! It has a covered front porch and a covered deck in the large backyard. The kitchen area has wooden walls with wooden cabinets and a dishwasher. The bedrooms have wooden flooring. The master bath includes a separate shower and a jetted tub. Go to our website for a Youtube video walkthrough of this property. HUD owned property. Sold 'AS-IS'. Buyers verify all info. HUD Case#492-730479

Key facts

• Spacious yard
• Quiet street
• 7,579 sq ft lot

Tags

• SPACIOUS YARD
• QUIET STREET

Property features AI

Finance

• Other: Possession at closing/funding; Property Type: Residential — Single Family Residence
• Financial info: Listing terms: Cash or Conventional; Special listing condition: Third party approval
• HOA & community: No HOA / association

Exterior

• Parking: Covered carport with 2 spaces
• Utilities: City water
• Home design: Single family residence; Attached property; Built in 1951
• Construction: Built in 1951
• Exterior features: Lot under 0.5 acre (about 0.174 acres); Subdivision: Meadow Park Add

Interior

• Kitchen: Gas range; Gas water heater
• Bedrooms: 3 bedrooms (all on main level); Primary bedroom approx. 13 x 11; Second primary bedroom approx. 16 x 10; Third bedroom approx. 11 x 10
• Bathrooms: 1 full bathroom
• Interior features: Open floorplan; One level
• Laundry & utility: Full-size washer/dryer area

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $133 ($2k/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 $174k (0.6% below list).
• Recommended offer: $170k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.2% vs local median 4.6% in White Settlement — 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 74/100 on livability (#188 in TX, #4,855 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities D+, employment D+, commute F.
• White Settlement ISD (rural): math 35% / reading 44% proficiency, ranked #396 of 826 in TX (top 48%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Liberty El (math 38% / reading 42%, grade F, #1,514 of 4,322 statewide, top 36%, 546 students, 81% FRL) — zoned schools average 81% FRL vs 49% district-wide (31 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.2%/yr); 548 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 18,938 units permitted in Tarrant County in 2024 (8,336 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 $5k of value loss. Plan a longer hold.
• Tarrant County population projected at +41% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 49 days — a 3% lower offer ($170k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 12y 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

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $169,750 (3.0% below list)

Questions for the listing agent

1. It's been on market 49 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 1951 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 0.99% ✗
• Cap rate: 7.21%
• Cash-on-cash: 3.27%
• DSCR: 1.15
• GRM: 8.4

CMA / ARV

• ARV (median comp): $218,853
• List price: $175,000
• Delta: -20.04%
• 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
8320 Redonda St	0.25mi	3/2.0	1,430 (+1%)	1mo	$255,000	$178	82
521 Grant Cir	0.35mi	3/1.0	1,446 (+2%)	2mo	$135,000	$93	79
8512 Whitney Dr	0.22mi	3/2.0	1,349 (-5%)	2mo	$282,000	$209	76
501 Allencrest Dr	0.20mi	3/2.0	1,350 (-5%)	3mo	$209,900	$155	76
220 N Judd St	0.52mi	3/2.0	1,419 (-0%)	0mo	$300,000	$211	71
205 Saddle Rd	0.37mi	2/1.5 (-1)	1,364 (-4%)	2mo	$229,933	$169	67
412 Kimbrough St	0.44mi	3/1.0	1,302 (-8%)	0mo	$142,000	$109	65
8521 Whitney Dr	0.26mi	3/2.0	1,267 (-11%)	2mo	$230,000	$182	64
201 N Normandale St	0.46mi	3/2.0	1,316 (-8%)	3mo	$175,000	$133	60
508 Grant Cir	0.35mi	3/2.0	1,245 (-12%)	1mo	$219,500	$176	58
604 Kimbrough St	0.44mi	3/2.0	1,259 (-12%)	2mo	$247,000	$196	55
9225 N Dodson Dr	0.63mi	4/2.0 (+1)	1,483 (+4%)	2mo	$199,000	$134	53

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: -14.6%
• Equity multiple: 0.49×
• Total profit: $-24,908
• Equity at exit: $26,093

10-year hold

• IRR: -12.1%
• Equity multiple: 0.38×
• Total profit: $-30,255
• Equity at exit: $15,131

Cash invested: $49,000 (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 76108

• Home prices YoY: -32.5%
• Rents YoY: -0.2%
• Active inventory: 548
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,739 high
• Mortgage (P&I): −$918
• Tax from tax record: −$250 /mo · $2,998/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$365
• Net cashflow: $133

Break-even live

Break-even rent $1,570

Max offer price $175,000

Occupancy floor 87%

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
129 Allencrest Dr Fort Worth, TX	3.0	2.0	1424	$1,595	$1.12	7d	1	0.19mi
123 Allencrest Dr Fort Worth, TX	3.0	2.0	1424	$1,545	$1.08	1d	1	0.20mi
101 West Pl Fort Worth, TX	2.0	1.0	900	$1,395	$1.55	43d	1	0.21mi
405 S Las Vegas Trl Fort Worth, TX	3.0	2.0	1160	$1,595	$1.38	18d	1	0.21mi
112 Allencrest Dr White Settlement, TX	2.0	1.5	1024	$1,350	$1.32	43d	1	0.22mi
108 Allencrest Dr White Settlement, TX	2.0	1.5	1025	$1,325	$1.29	24d	1	0.23mi
238 S Las Vegas Trl White Settlement, TX	2.0	1.5	1200	$1,372	$1.14	2d	4	0.25mi
140 S Las Vegas Trl White Settlement, TX	2.0	1.5	1200	$1,299	$1.08	24d	1	0.26mi
101 S Las Vegas Trl Fort Worth, TX	2.0	1.5	1016	$1,250	$1.23	43d	1	0.26mi
213 Donald St Fort Worth, TX	2.0	1.0	1025	$1,450	$1.41	43d	1	0.35mi
617 S Las Vegas Trl White Settlement, TX	3.0	2.0	1307	$1,585	$1.21	22d	1	0.35mi
619 Allencrest Dr Fort Worth, TX	3.0	2.0	1322	$1,800	$1.36	24d	1	0.36mi
321 Meadow Park Dr White Settlement, TX	3.0	2.0	1400	$1,875	$1.34	43d	1	0.36mi
225 West Pl Fort Worth, TX	3.0	2.0	1550	$2,400	$1.55	43d	1	0.37mi
640 Kimbrough St Fort Worth, TX	4.0	2.0	1394	$1,995	$1.43	18d	1	0.50mi
9110 Lanham St White Settlement, TX	2.0	1.5	1026	$1,375	$1.34	24d	1	0.56mi
212 Lanham Ct Fort Worth, TX	2.0	1.0	1057	$1,350	$1.28	43d	1	0.57mi
8438 Jay St Fort Worth, TX	3.0	2.5	1394	$1,695	$1.22	7d	1	0.57mi
8112 Gibbs Dr Fort Worth, TX	3.0	2.0	1412	$1,850	$1.31	43d	1	0.58mi
720 Sandell Dr White Settlement, TX	3.0	2.0	1796	$1,795	$1.00	43d	1	0.66mi
1208 Mirike Dr Fort Worth, TX	3.0	2.0	1750	$1,975	$1.13	20d	1	0.70mi
8136 Richard St Fort Worth, TX	4.0	2.0	1512	$1,745	$1.15	7d	1	0.72mi
923 Kimbrough St Fort Worth, TX	3.0	2.0	1362	$1,845	$1.35	43d	1	0.72mi
9208 Marilyn Dr Fort Worth, TX	3.0	2.0	1735	$2,100	$1.21	2d	1	0.79mi
704 Dale Ln Apt 512 White Settlement, TX	2.0	2.0	1040	$1,370	$1.32	43d	1	0.80mi
704 Dale Ln Unit 2121 White Settlement, TX	2.0	2.0	1112	$1,367	$1.23	2d	1	0.80mi
9117 Nathan Dr Fort Worth, TX	3.0	2.0	1818	$1,950	$1.07	43d	1	0.86mi
9304 Marilyn Ct Fort Worth, TX	3.0	2.0	1486	$2,100	$1.41	43d	1	0.86mi
8033 Downe Dr Fort Worth, TX	3.0	1.0	1119	$1,650	$1.47	43d	1	0.96mi
8117 Foxfire Ln Unit A White Settlement, TX	2.0	2.0	1030	$1,150	$1.12	43d	1	1.00mi
8109 Foxfire Ln Unit C White Settlement, TX	2.0	2.0	1031	$1,195	$1.16	5d	1	1.02mi
8109 Foxfire Ln Unit D White Settlement, TX	2.0	2.0	1100	$1,195	$1.09	22d	1	1.02mi
734 Lariat Ln White Settlement, TX	3.0	2.0	1275	$1,750	$1.37	43d	1	1.04mi
1823 S Las Vegas Trl Fort Worth, TX	2.0	2.0	900	$1,360	$1.51	43d	1	1.04mi
500 W Loop 820 S Fort Worth, TX	1.0–3.0	1.0–2.0	1082	$2,039	$1.88	43d	11	1.04mi
8012 Chaparral Dr Fort Worth, TX	3.0	1.5	1226	$1,620	$1.32	20d	1	1.05mi
7940 Chaparral Dr Fort Worth, TX	3.0	1.5	1142	$1,795	$1.57	24d	1	1.08mi
9641 Olivia Dr Fort Worth, TX	3.0	2.0	1670	$2,025	$1.21	11d	1	1.10mi
7924 Emerald Crest Dr White Settlement, TX	2.0	2.0	925	$1,199	$1.30	43d	1	1.14mi
7724 Longfield Dr Fort Worth, TX	3.0	2.0	1335	$1,995	$1.49	43d	1	1.14mi

Listing history 18 events

1. 2026-06-18
   days on market $175,000 Active 49 DOM
2. 2026-06-17
   days on market $175,000 Active 48 DOM
3. 2026-06-16
   days on market $175,000 Active 47 DOM
4. 2026-06-15
   days on market $175,000 Active 46 DOM
5. 2026-06-13
   days on market $175,000 Active 44 DOM
6. 2026-06-09
   days on market $175,000 Active 40 DOM
7. 2026-06-08
   days on market $175,000 Active 39 DOM
8. 2026-06-07
   days on market $175,000 Active 38 DOM
9. 2026-06-04
   days on market $175,000 Active 35 DOM
10. 2026-06-03
    days on market $175,000 Active 34 DOM
11. 2026-06-02
    days on market $175,000 Active 33 DOM
12. 2026-06-01
    days on market $175,000 Active 32 DOM
13. 2026-05-31
    days on market $175,000 Active 31 DOM
14. 2026-04-30
    listed $175,000 Active 252-char remark
15. 2014-11-24
    soldstatus Sold 431-char remark

    Show marketing remark (431 chars)

    This unique home is a jewel waiting to shine! It has a covered front porch and a covered deck in the large backyard. The kitchen area has wooden walls with wooden cabinets and a dishwasher. The bedrooms have wooden flooring. The master bath includes a separate shower and a jetted tub. Go to our website for a Youtube video walkthrough of this property. HUD owned property. Sold 'AS-IS'. Buyers verify all info. HUD Case#492-730479

16. 2014-10-06
    status Pending 431-char remark

    Show marketing remark (431 chars)

    This unique home is a jewel waiting to shine! It has a covered front porch and a covered deck in the large backyard. The kitchen area has wooden walls with wooden cabinets and a dishwasher. The bedrooms have wooden flooring. The master bath includes a separate shower and a jetted tub. Go to our website for a Youtube video walkthrough of this property. HUD owned property. Sold 'AS-IS'. Buyers verify all info. HUD Case#492-730479

17. 2014-09-24
    listed $41,500 Active 431-char remark

    Show marketing remark (431 chars)

    This unique home is a jewel waiting to shine! It has a covered front porch and a covered deck in the large backyard. The kitchen area has wooden walls with wooden cabinets and a dishwasher. The bedrooms have wooden flooring. The master bath includes a separate shower and a jetted tub. Go to our website for a Youtube video walkthrough of this property. HUD owned property. Sold 'AS-IS'. Buyers verify all info. HUD Case#492-730479

18. 1998-05-04
    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: $2,998 · $250/mo
• Projected year-2 tax: $3,202 · $267/mo
• Expected delta: +$204/yr (+$17/mo · 6.8%)

ⓘ 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 7/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 24% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,870
• − Mortgage interest: −$9,803
• − Property taxes: −$2,998
• − Insurance: −$875
• − Repairs & maintenance: −$1,670
• − Management: −$1,670
• − Depreciation: −$5,091
• Taxable loss: −$1,236
• Est. tax savings @ 24.0%: +$297
• After-tax cash flow: $1,898/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: White Settlement ISD
• NCES district ID: 4845540
• Math proficiency: 35% ▼ -10.00%
• Reading proficiency: 44% ▼ -4.00%
• Median HH income: $56,055
• Composite: 34.63/100
• National rank: #5151
• State rank: #396 of 826 in TX

Livability — White Settlement

• Score: 74/100
• State rank: #188
• US rank: #4855

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: White Settlement, TX
• County: Tarrant County · 2,033,669 people
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 45,537
• Household income: $80,412
• Rent vs Own: 29.4% rent · 70.6% own
• Severe rent burden: 774.0

Population outlook (Tarrant County) Hauer SSP2

• Today (2025): 2,380,417 people
• By 2030: 2,578,900 · +8.3%
• By 2040: 2,974,995 · +25.0%
• By 2050: 3,350,489 · +40.8%
• By 2075: 4,216,909 · +77.2%
• By 2100: 4,741,527 · +99.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 52% Hispanic / Latino 32% Two or more races 17% Black 8% Asian 3% Native American 1%
• Hispanic origin (detail): Mexican 26% Puerto Rican 1%
• Common ancestry: Slovak 2% Lithuanian 1% Romanian 1%
• Foreign-born: 11% · Canada, Vietnam
• Languages at home: 76% English-only · Spanish 21% Vietnamese 1% Tagalog/Filipino 1%

Political lean MEDSL · Tarrant

• 2024 margin: Lean R (+5.1) · D 46.7% · R 51.9% · Other 1.4%
• 2008→2024 swing: +6.6pp toward D · 2008: -11.7pp · 2024: -5.1pp
• All cycles: 2024: R+5.1 2020: D+0.2 2016: R+8.7 2012: R+15.7 2008: R+11.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -141.39%
• Current HPI: 294.2459
• Rent YoY: ▼ -0.18%
• Metro: Dallas-Fort Worth-Arlington, 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

+321.7% since first listed

5 events — show timeline

• 2026-04-30 Listed $175,000 NTREIS
• 2014-11-24 Sold (MLS) — NTREIS
• 2014-10-06 Pending — NTREIS
• 2014-09-24 Listed $41,500 NTREIS
• 1998-05-04 Sold (Public Records) — Public Records

Property tax history

+5.8%/yr

Latest (2025): $2,998 · -1.1% YoY. Source: county tax records.