3413 Agate Trl · Heartland, TX 75126

$244,000

3 bd · 2.0 ba · 1,516 sqft · SingleFamily public records · 50 Days on market

Built 2018 5,750 sqft lot $161/sqft · 16% below area Est $292k · 16% under $35/mo HOA · 2% of rent

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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 +14.9/15.0
• Cash flow +7.4/30.0
• 1% rule +4.0/10.0
• Schools +3.6/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks

BELOW APPRAISED VALUE – Investor Priced for All Experience resort-style living in the highly sought-after Heartland community. This home offers magnificent curb appeal, featuring a large, covered porch complete with an inviting swing that stays with the property. Inside, you will find a warm, open living area and a dining space accented by a beautiful bay window. The fully equipped kitchen boasts stainless steel appliances, and the washer and dryer are included for your convenience. Unlike many nearby new builds under $300k, this home features a full tub and shower combo in the primary suite, which also includes newly installed vinyl flooring. Faux wood blinds are found throughout

Key facts

• Covered porch
• Bay window
• Faux wood blinds

Tags

• COVERED PORCH
• BAY WINDOW
• STAINLESS STEEL APPLIANCES
• FULL TUB AND SHOWER COMBO
• NEWLY INSTALLED VINYL FLOORING
• FAUX WOOD BLINDS

Property features AI

Finance

• Other: Municipal Utility District; Multiple parcel ID: yes
• HOA & community: Mandatory HOA; HOA management: Heartland Community Association; Association fee covers management fees; HOA fee $420 annually

Exterior

• Parking: Attached 2-car garage; 2 covered parking spaces; Garage door opener; Garage faces rear
• Utilities: MUD water; MUD sewer
• Home design: Single-family residence; One story
• Construction: Built in 2018; Composition roof
• Exterior features: Lot under 0.5 acre (approximately 0.132 acres); Subdivision: Heartland Ph 8

Interior

• Kitchen: Dishwasher; Disposal; Electric oven; Electric range; Microwave; Refrigerator; Kitchen island; Pantry
• Bedrooms: 3 bedrooms (all on the main level)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Electric cooling
• Interior features: Cable TV available; High-speed internet available; Kitchen island; Pantry; One living area; One dining area
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $244k.

Deal economics

• At list price, monthly cash flow is $-316 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $188k (22.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $220k (10.0% below list).
• Recommended offer: $188k (22.9% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Crandall ISD (rural): math 36% / reading 42% proficiency, ranked #351 of 826 in TX (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Hollis T Dietz El (math 32% / reading 40%, grade F, #1,921 of 4,322 statewide, top 45%, 815 students, 60% FRL); Crandall Middle (math 38% / reading 42%, grade F, #646 of 1,662 statewide, top 40%, 983 students, 60% FRL); Crandall H S (math 33% / reading 53%, grade F, #713 of 1,632 statewide, top 44%, 1,707 students, 56% FRL) — zoned schools average 59% FRL vs 41% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.4%/yr); 2204 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,747 units permitted in Kaufman County in 2024 (180 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Kaufman County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($237k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 9y 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: property tax is 3.1% of price.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $188,236 (22.9% 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 50 days. Have you received any prior offers? Is the seller open to a 23% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.90% ✗
• Cap rate: 4.74%
• Cash-on-cash: -5.54%
• DSCR: 0.75
• GRM: 9.3

CMA / ARV

• ARV (median comp): $292,101
• List price: $244,000
• Delta: -16.47%
• 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
3411 Blue Granite Ln	0.16mi	3/2.0	1,480 (-2%)	0mo	$245,000	$166	88
3402 Pumice Ct	0.11mi	3/2.0	1,442 (-5%)	1mo	$249,900	$173	86
2005 Peony St	0.21mi	3/2.0	1,404 (-7%)	1mo	$235,000	$167	77
4040 Golden Rod Dr	0.31mi	3/2.0	1,419 (-6%)	2mo	$199,999	$141	73
2008 Pine Knot Dr	0.56mi	3/2.0	1,521 (+0%)	1mo	$224,999	$148	73
4010 Ridgetop Dr	0.31mi	3/2.0	1,404 (-7%)	2mo	$225,000	$160	72
3105 Cassinia Pkwy	0.52mi	3/2.0	1,554 (+2%)	1mo	$245,000	$158	71
2007 Pine Knot Dr	0.56mi	3/2.0	1,475 (-3%)	1mo	$239,900	$163	69
2021 Lake Trail Dr	0.67mi	3/2.0	1,520 (+0%)	1mo	$114,900	$76	68
3010 Rosemount Ln	0.67mi	3/2.0	1,393 (-8%)	1mo	$249,900	$179	54
2014 Moonlight Trl	0.67mi	3/2.0	1,650 (+9%)	1mo	$235,000	$142	54
2911 Firewheel St	0.74mi	3/2.0	1,672 (+10%)	1mo	$275,000	$164	48

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 · 1.42% rent growth · sell at horizon

5-year hold

• IRR: -27.9%
• Equity multiple: 0.08×
• Total profit: $-62,824
• Equity at exit: $36,381

10-year hold

• IRR: -35.3%
• Equity multiple: -0.36×
• Total profit: $-93,214
• Equity at exit: $21,097

Cash invested: $68,320 (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 75126

• Rents YoY: 1.4%
• Active inventory: 2204
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $2,196 high
• Mortgage (P&I): −$1,280
• Tax from tax record: −$635 /mo · $7,614/yr
• Insurance: −$102
• HOA: −$35
• Vacancy / Maint / Mgmt: −$461
• Net cashflow: $-316

Break-even live

Break-even rent $2,596

Max offer price $188,236

Occupancy floor —

Sensitivity live

Price	-10% $-178	-5% $-247	+0% $-316	+5% $-385	+10% $-454
Rent	-10% $-489	-5% $-402	+0% $-316	+5% $-229	+10% $-142
Rate	-1.0pp $-193	-0.5pp $-254	base $-316	+0.5pp $-379	+1.0pp $-443

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: $61,000
• Closing costs: $7,320
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1968 Marble Ln Forney, TX	3.0	2.5	2051	$2,350	$1.15	17d	1	0.08mi
4032 Eagle Dr Forney, TX	3.0	2.0	1456	$1,775	$1.22	7d	1	0.28mi
3941 Hometown Blvd Unit 3941 Crandall, TX	3.0	2.5	1736	$2,400	$1.38	46d	1	0.34mi
4009 Freedom St Heartland, TX	3.0	2.0	1419	$1,800	$1.27	46d	1	0.40mi
4121 Gaillardia Way Forney, TX	4.0	2.0	2135	$2,250	$1.05	21d	1	0.48mi
2015 Angel Way Heartland, TX	3.0	2.0	1408	$1,671	$1.19	24d	1	0.55mi
2040 Shawnee Trl Heartland, TX	4.0	2.0	1836	$2,000	$1.09	17d	1	0.76mi
2038 Allyson Dr Heartland, TX	3.0	2.0	1496	$1,900	$1.27	46d	1	0.80mi
2919 Cascade Ln Forney, TX	3.0	2.0	1481	$2,200	$1.49	46d	1	0.81mi
2048 Lake Trail Dr Heartland, TX	3.0	2.0	1900	$2,300	$1.21	0d	1	0.84mi
2048 Lake Trail Dr Heartland, TX	3.0	2.0	1908	$2,250	$1.18	5d	1	0.84mi
3004 Dakota Trl Crandall, TX	4.0	2.0	1938	$2,300	$1.19	6d	1	0.88mi
4001 Fairmont Ln Forney, TX	4.0	2.0	1545	$2,000	$1.29	46d	1	1.00mi
4002 Bighorn Dr Forney, TX	3.0	2.0	1365	$2,120	$1.55	4d	1	1.01mi
3028 Willow Wood Ct Crandall, TX	3.0	2.5	1764	$2,600	$1.47	46d	1	1.03mi
2035 Karsen Ln Heartland, TX	4.0	2.0	1587	$2,125	$1.34	0d	1	1.07mi
2826 Hudson Dr Crandall, TX	3.0	2.0	1639	$2,400	$1.46	8d	1	1.09mi
3012 Glazner Dr Forney, TX	3.0	2.5	1984	$2,195	$1.11	6d	1	1.13mi
3001 Glazner Dr Forney, TX	3.0	2.0	1510	$2,350	$1.56	46d	1	1.16mi
3147 Blossom Trl Crandall, TX	4.0	3.0	2177	$2,700	$1.24	46d	1	1.20mi
2237 Mustang Ghost Trl Crandall, TX	3.0	2.0	1952	$2,040	$1.05	46d	1	1.30mi
2745 Bronte Blvd Crandall, TX	4.0	2.0	1667	$1,845	$1.11	27d	1	1.32mi
2746 Bronte Blvd Crandall, TX	4.0	2.0	1707	$1,825	$1.07	27d	1	1.32mi
2409 Fleming Dr Crandall, TX	4.0	2.0	1667	$1,845	$1.11	27d	1	1.33mi
3324 Perman Dr Forney, TX	3.0	2.5	1724	$2,125	$1.23	15d	1	1.33mi
3137 Grimaldo Dr Forney, TX	3.0	2.0	1565	$1,995	$1.27	15d	1	1.33mi
3137 Grimaldo Dr Forney, TX	3.0	2.0	1585	$2,195	$1.38	26d	1	1.33mi
2739 Bronte Blvd Crandall, TX	4.0	2.0	1707	$1,825	$1.07	27d	1	1.34mi
2521 Flight Trl Crandall, TX	4.0	2.0	1707	$1,825	$1.07	27d	1	1.34mi
2513 Flight Trl Crandall, TX	4.0	2.0	1707	$1,825	$1.07	27d	1	1.38mi
2510 Flight Trl Crandall, TX	4.0	2.0	1667	$1,845	$1.11	27d	1	1.39mi
2624 Bartlett St Crandall, TX	4.0	2.0	1707	$1,825	$1.07	27d	1	1.41mi

HOA detail

• Monthly dues: $35 · $420/yr

Listing history 48 events

1. 2026-06-22
   days on market $244,000 Active 50 DOM
2. 2026-06-21
   days on market $244,000 Active 49 DOM
3. 2026-06-18
   days on market $244,000 Active 46 DOM
4. 2026-06-17
   days on market $244,000 Active 45 DOM
5. 2026-06-16
   days on market $244,000 Active 44 DOM
6. 2026-06-15
   days on market $244,000 Active 43 DOM
7. 2026-06-13
   pricedays on market $244,000 Active 41 DOM
8. 2026-06-09
   days on market $245,500 Active 37 DOM
9. 2026-06-08
   days on market $245,500 Active 36 DOM
10. 2026-06-07
    days on market $245,500 Active 35 DOM
11. 2026-06-04
    days on market $245,500 Active 32 DOM
12. 2026-06-03
    days on market $245,500 Active 31 DOM
13. 2026-06-02
    days on market $245,500 Active 30 DOM
14. 2026-06-01
    days on market $245,500 Active 29 DOM
15. 2026-05-31
    pricedays on market $245,500 Active 28 DOM
16. 2026-05-17
    price $246,000 1006-char remark
17. 2026-05-03
    listed $248,000 Active 1006-char remark
18. 2025-07-21
    historical $2,150
19. 2025-07-14
    listed $255,000 Active
20. 2025-06-30
    historical
21. 2025-06-14
    listed $2,150
22. 2025-05-23
    price $255,000
23. 2025-04-29
    price $259,999
24. 2025-04-22
    price $261,200
25. 2025-04-17
    price $262,000
26. 2025-03-27
    price $264,500
27. 2025-03-16
    listed $269,000 Active
28. 2024-12-04
    historical $2,300
29. 2024-11-23
    listed $2,300
30. 2024-11-14
    price $264,800
31. 2024-10-20
    price $265,000
32. 2024-10-14
    price $270,000
33. 2024-10-04
    listed $275,000 Active
34. 2023-08-23
    soldstatus
35. 2023-08-21
    soldstatus Closed
36. 2023-06-08
    status Pending
37. 2023-05-12
    price $280,000
38. 2023-04-21
    listed $290,000 Active
39. 2021-09-20
    soldstatus
40. 2021-09-13
    soldstatus Sold
41. 2021-09-13
    soldstatus
42. 2021-08-13
    status Pending
43. 2021-08-09
    listed $250,000
44. 2021-08-06
    listed $250,000 Active
45. 2018-03-23
    soldstatus Sold
46. 2018-02-11
    status Active
47. 2018-01-05
    status Pending
48. 2017-11-13
    listed $206,148 Active

ⓘ 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: $7,614 · $635/mo
• Projected year-2 tax: $7,614 · $635/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥110°F today · 25 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,356
• − Mortgage interest: −$13,668
• − Property taxes: −$7,614
• − Insurance: −$1,220
• − Repairs & maintenance: −$2,108
• − Management: −$2,108
• − HOA: −$420
• − Depreciation: −$7,098
• Taxable loss: −$7,881
• Est. tax savings @ 24.0%: +$1,892
• After-tax cash flow: $-1,896/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: Crandall ISD
• NCES district ID: 4815510
• Math proficiency: 36% ▼ -13.00%
• Reading proficiency: 42% ▼ -8.00%
• Median HH income: $70,076
• Composite: 35.57/100
• National rank: #4901
• State rank: #351 of 826 in TX

Livability — Heartland

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

Census & demographics

• Census place: Heartland, TX
• County: Kaufman County · 122,338 people
• Metro: Dallas-Fort Worth-Arlington, TX
• Population (ZIP): 84,799
• Household income: $103,673
• Rent vs Own: 19.5% rent · 80.5% own
• Severe rent burden: 1306.0

Population outlook (Kaufman County) Hauer SSP2

• Today (2025): 138,716 people
• By 2030: 150,815 · +8.7%
• By 2040: 174,877 · +26.1%
• By 2050: 198,020 · +42.8%
• By 2075: 251,908 · +81.6%
• By 2100: 285,325 · +105.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: White 45% Black 25% Hispanic / Latino 23% Two or more races 14% Asian 3%
• Hispanic origin (detail): Mexican 18% Puerto Rican 1%
• Common ancestry: Italian 2% Slovak 1% Portuguese 1%
• Foreign-born: 12% · Canada, Vietnam
• Languages at home: 79% English-only · Spanish 14% Arabic 1% Vietnamese 1%

Political lean MEDSL · Kaufman

• 2024 margin: Strong R (+27.9) · D 35.6% · R 63.5%
• 2008→2024 swing: +7.9pp toward D · 2008: -35.8pp · 2024: -27.9pp
• All cycles: 2024: R+27.9 2020: R+33.9 2016: R+47.0 2012: R+44.4 2008: R+35.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -102.93%
• Current HPI: 148.5749
• Rent YoY: ▲ 1.42%
• 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

+18.4% since first listed

36 events — show timeline

• 2026-06-13 Price Changed $244,000 NTREIS
• 2026-06-12 Price Changed $245,000 NTREIS
• 2026-05-30 Price Changed $245,500 NTREIS
• 2026-05-17 Price Changed $246,000 NTREIS
• 2026-05-03 Listed $248,000 NTREIS
• 2025-07-21 Rental Removed $2,150 NTREIS
• 2025-07-14 Listed $255,000 NTREIS
• 2025-06-30 Listing Removed — NTREIS
• 2025-06-14 Listed for Rent $2,150 NTREIS
• 2025-05-23 Price Changed $255,000 NTREIS
• 2025-04-29 Price Changed $259,999 NTREIS
• 2025-04-22 Price Changed $261,200 NTREIS
• 2025-04-17 Price Changed $262,000 NTREIS
• 2025-03-27 Price Changed $264,500 NTREIS
• 2025-03-16 Listed $269,000 NTREIS
• 2024-12-04 Rental Removed $2,300 NTREIS
• 2024-11-23 Listed for Rent $2,300 NTREIS
• 2024-11-14 Price Changed $264,800 NTREIS
• 2024-10-20 Price Changed $265,000 NTREIS
• 2024-10-14 Price Changed $270,000 NTREIS
• 2024-10-04 Listed $275,000 NTREIS
• 2023-08-23 Sold (Public Records) — Public Records
• 2023-08-21 Sold (MLS) — NTREIS
• 2023-06-08 Pending — NTREIS
• 2023-05-12 Price Changed $280,000 NTREIS
• 2023-04-21 Listed $290,000 NTREIS
• 2021-09-20 Sold (Public Records) — Public Records
• 2021-09-13 Sold (MLS) — NTREIS
• 2021-09-13 Sold (MLS) — HCBOR
• 2021-08-13 Pending — NTREIS
• 2021-08-09 Listed $250,000 HCBOR
• 2021-08-06 Listed $250,000 NTREIS
• 2018-03-23 Sold (MLS) — NTREIS
• 2018-02-11 Relisted — NTREIS
• 2018-01-05 Pending — NTREIS
• 2017-11-13 Listed $206,148 NTREIS

Property tax history

+30.7%/yr

Latest (2025): $7,614 · -4.3% YoY. Source: county tax records.