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6722 Pebble Bluff Ct 🏗️ New Construction
D- Composite 37.88
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).

  • Cash flow +7.6/30.0
  • ARV discount +7.5/15.0
  • Schools +6.9/10.0
  • Condition / age +5.0/5.0
  • Rent growth +3.4/5.0
  • Livability +3.2/5.0
  • 1% rule +2.5/10.0
  • DSCR +1.7/10.0
  • Appreciation +0.0/10.0

$319,990

6722 Pebble Bluff Ct · Cove, TX 77523
4 bd · 2.5 ba · 2,279 sqft · SingleFamily · 102 Days on market
Built 2026 Excellent condition 7,368 sqft lot 2-car garage $75/mo HOA · 3% of rent ↓ 4% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to this beautiful two-story home, where timeless style meets modern comfort on an oversized homesite. The private first-floor primary suite provides a serene retreat, while three upstairs bedrooms surround a spacious game room-perfect for movies, gaming, or relaxing. A main-level flex room offers versatility as a home office, study, or gym. The chef-inspired kitchen features an oversized island, abundant cabinetry, Whirlpool stainless steel appliances, a built-in gas cooktop, and a stylish tile backsplash, all flowing seamlessly into the open dining and living areas for effortless entertaining. Step outside to a fully fenced, landscaped backyard with a covered patio-ideal for enjoying outdoor living year-round. Experience this home for yourself-schedule a tour today! * Photos and Virtual Tours may be of the same home plan located in a different neighborhood.

Key facts

  • Main-level flex room
  • Upstairs bedrooms
  • Oversized island

Tags

FIRST-FLOOR PRIMARY SUITEUPSTAIRS BEDROOMSSPACIOUS GAME ROOMMAIN-LEVEL FLEX ROOMCHEF-INSPIRED KITCHENOVERSIZED ISLAND

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏗️ New construction. The $319,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $324,080.

What this means for you Summary

Snapshot

  • This is a 4-bed/2.5-bath single-family listed at $320k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-450 ($-5k/yr) — negative.
  • To cash-flow at today's rent, offer at most $259k (19.1% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $244k (23.6% below list).
  • Recommended offer: $244k (23.6% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 64/100 on livability (#766 in TX) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A; Watch: amenities F, commute F, health & safety F.
  • Barbers Hill ISD (rural): math 72% / reading 65% proficiency, ranked #12 of 826 in TX (top 2%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Barbers Hill El South (math 68% / reading 62%, grade B+, #246 of 4,322 statewide, top 6%, 883 students, 37% FRL); Barbers Hill Middle South (math 77% / reading 63%, grade A, #58 of 1,662 statewide, top 4%, 636 students, 0% FRL); Barbers Hill H S (math 70% / reading 74%, grade B+, #95 of 1,632 statewide, top 7%, 1,972 students, 0% FRL) — zoned schools average 12% FRL vs 28% district-wide (16 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents rising (+3.4%/yr); 1127 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals lingering (median 79d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 629 units permitted in Chambers County in 2024 (0 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 $10k of value loss. Plan a longer hold.
  • Chambers County population projected at +46% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 102 days — a 9% lower offer ($291k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts; this cycle's ask has dropped $46k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: flood insurance adds $66/mo.
  • Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $244,498 (23.6% 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 102 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
  3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. 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?
  8. 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?
  9. 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.
  10. 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.
  11. 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
0.75% ✗
Cap rate
4.87%
Cash-on-cash
-5.07%
DSCR
0.77
GRM
11.0

CMA / ARV

ARV (median comp)
$324,080
List price
$319,990
Delta
-1.26%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
6718 Pebble Bluff Ct 0.01mi 4/3.0 2,080 (-9%) 2mo $345,990 $166 81
6710 Alejandro Pl 0.39mi 4/2.5 2,300 (+1%) 4mo $354,040 $154 77
6714 Pebble Bluff Ct 0.03mi 4/3.0 2,024 (-11%) 3mo $325,990 $161 75
6719 Camila St 0.30mi 4/2.5 2,466 (+8%) 3mo $322,170 $131 70
6730 Pebble Bluff Ct 0.02mi 5/2.5 (+1) 2,587 (+14%) 4mo $369,990 $143 68
311 Ruby Ford Dr 0.44mi 4/2.5 2,466 (+8%) 2mo $304,010 $123 65
2010 Caroline Ave 0.49mi 4/2.0 2,374 (+4%) 4mo $474,900 $200 64
6722 Camila St 0.28mi 4/2.0 1,937 (-15%) 1mo $319,350 $165 60
6918 Bens Lndg 0.60mi 4/2.5 2,536 (+11%) 3mo $319,440 $126 50
6703 Pebble Bluff Ct 0.51mi 5/2.5 (+1) 2,576 (+13%) 3mo $375,990 $146 47
1102 Spring Branch Dr 0.60mi 3/2.0 (-1) 1,983 (-13%) 0mo $435,000 $219 43
102 Pacific Way 0.72mi 4/3.0 2,029 (-11%) 4mo $314,530 $155 43

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 · 3.42% rent growth · sell at horizon

5-year hold
IRR
-26.0%
Equity multiple
0.12×
Total profit
$-79,987
Equity at exit
$48,321
10-year hold
IRR
-21.1%
Equity multiple
-0.12×
Total profit
$-101,724
Equity at exit
$28,021

Cash invested: $90,742 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
72 active · 38 under contract
Months of supply
13.1 mo (8%/mo absorbed)
Median asking
$340,990 ($163/sqft)
Median days on market
73 d
This list price
26% of active listings are priced below it
ARV vs active asking
-12.9% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 77523

Home prices YoY
-31.5%
Rents YoY
3.4%
Active inventory
1127
Price-to-rent
10.9×

Monthly cashflow live

Estimated rent
$2,445 high interval (Pro) →
Mortgage (P&I)
−$1,700
Tax est. 1.5%
−$405 /mo · $4,861/yr
Insurance
−$135
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
−$75
Vacancy / Maint / Mgmt
−$513
Net cashflow
$-450

Break-even live

Break-even rent $3,014
Max offer price $259,027
Occupancy floor —

Sensitivity live

Price -10% $-226 -5% $-338 +0% $-450 +5% $-562 +10% $-674
Rent -10% $-643 -5% $-546 +0% $-450 +5% $-353 +10% $-256
Rate -1.0pp $-286 -0.5pp $-367 base $-450 +0.5pp $-534 +1.0pp $-619

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
$81,020
Closing costs
$9,722
Reserves months
—
Total cash needed
—

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Short-term bridge; refi at stabilization.

Rent comps 18 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
14930 Spring Forest Ln Baytown, TX 4.0 2.0 1829 $2,750 $1.50 184d 1 0.85mi
5914 Golden Cove Rd Cove, TX 4.0 2.5 2326 $2,245 $0.97 5d 1 0.91mi
14739 Sweet Water Dr Baytown, TX 4.0 2.0 1821 $2,395 $1.32 142d 1 0.92mi
5914 Treasure Cove Rd Cove, TX 3.0 3.0 2042 $1,645 $0.81 55d 1 0.95mi
14415 Sweet Water Dr Baytown, TX 4.0 2.5 2428 $2,525 $1.04 45d 1 0.96mi
15214 Harlin Baytown, TX 4.0 3.0 2139 $2,400 $1.12 121d 1 1.05mi
131 Brazos Dr Baytown, TX 4.0 2.0 1857 $2,211 $1.19 99d 1 1.14mi
15218 Arnold Cove, TX 4.0 2.0 1751 $2,300 $1.31 83d 1 1.16mi
5727 Littoral Rd Cove, TX 3.0 2.5 1882 $2,036 $1.08 85d 1 1.28mi
8003 Crustacean Rd Cove, TX 4.0 2.5 2326 $1,989 $0.86 10d 1 1.28mi
8411 Hannah Rd Cove, TX 4.0 2.5 2329 $2,236 $0.96 85d 1 1.35mi
5142 Cotton Lake Rd Cove, TX 5.0 2.0 2432 $1,975 $0.81 9d 1 1.36mi
5142 Cotton Lake Rd Cove, TX 5.0 2.0 2432 $1,975 $0.81 53d 1 1.36mi
8414 Liberty Sky Rd Cove, TX 3.0 2.5 2046 $1,986 $0.97 21d 1 1.36mi
8414 Liberty Sky Rd Cove, TX 3.0 2.5 2046 $1,945 $0.95 1d 1 1.36mi
50A Cotton Bayou Cir Cove, TX 5.0 2.0 2432 $1,975 $0.81 10d 1 1.37mi
14143 Medina Dr Baytown, TX 4.0 2.0 2100 $2,495 $1.19 78d 1 1.46mi
14114 Little River Dr Baytown, TX 4.0 3.0 2771 $2,645 $0.95 127d 1 1.48mi

Property features AI

Finance

Other
Is new construction
HOA & community
Community managed by Inframark Community ManagementAnnual association fee

Exterior

Parking
Attached 2-car garage
Security
Owned security systemSmoke detectors
Utilities
Public waterPublic sewerConcrete road access
Home design
Residential propertyNew constructionNorthwest facing
Construction
Built in 2026Brick and cement siding exteriorComposition roofSlab foundationBuilt by Coventry Homes
Exterior features
Covered patioPatio and deckFence (back yard)Sprinkler/irrigation systemSubdivision setting

Interior

Kitchen
DishwasherGas cooktopGas ovenMicrowaveGarbage disposal
Bedrooms
Primary bedroom on the first floor (approx. 14 x 14)Three additional bedrooms on the second floor (approx. 12 x 11; 11 x 11; 11 x 11)
Flooring
CarpetPlankTileVinyl
Bathrooms
Two full bathroomsOne half bathroom
Heating & cooling
Central heating (gas)Central electric air conditioning
Interior features
Double vanityKitchen islandKitchen/family room comboPrimary bedroom with bathPantryQuartz countertopsSeparate showerTub/showerCeiling fansProgrammable thermostatLow emissivity windowsENERGY STAR qualified appliancesTankless water heaterVentilation for improved indoor air quality
Laundry & utility
Washer hookupElectric dryer hookupGas dryer hookup

HOA detail $75/mo · $900/yr

Likely covers
gaspoolgym

Listing history 50 events

  1. 2026-11-08
    days on market $319,990 Active 102 DOM
  2. 2026-11-07
    days on market $319,990 Active 101 DOM
  3. 2026-11-06
    days on market $319,990 Active 100 DOM
  4. 2026-11-05
    days on market $319,990 Active 99 DOM
  5. 2026-11-04
    pricedays on market $319,990 Active 98 DOM
  6. 2026-11-02
    days on market $324,990 Active 96 DOM
  7. 2026-11-01
    days on market $324,990 Active 95 DOM
  8. 2026-10-31
    days on market $324,990 Active 94 DOM
  9. 2026-10-30
    days on market $324,990 Active 93 DOM
  10. 2026-10-29
    days on market $324,990 Active 92 DOM
  11. 2026-10-28
    days on market $324,990 Active 91 DOM
  12. 2026-10-27
    pricedays on market $324,990 Active 90 DOM
  13. 2026-10-26
    days on market $334,990 Active 89 DOM
  14. 2026-10-26
    days on market $334,990 Active 88 DOM
  15. 2026-10-24
    days on market $334,990 Active 87 DOM
  16. 2026-10-23
    days on market $334,990 Active 86 DOM
  17. 2026-10-22
    days on market $334,990 Active 85 DOM
  18. 2026-10-21
    days on market $334,990 Active 84 DOM
  19. 2026-10-20
    days on market $334,990 Active 83 DOM
  20. 2026-10-19
    days on market $334,990 Active 82 DOM
  21. 2026-10-18
    days on market $334,990 Active 81 DOM
  22. 2026-10-17
    days on market $334,990 Active 80 DOM
  23. 2026-10-16
    price $334,990 Active 79 DOM
  24. 2026-10-16
    days on market $339,990 Active 79 DOM
  25. 2026-10-15
    days on market $339,990 Active 78 DOM
  26. 2026-10-14
    days on market $339,990 Active 77 DOM
  27. 2026-10-13
    days on market $339,990 Active 76 DOM
  28. 2026-10-12
    days on market $339,990 Active 75 DOM
  29. 2026-10-11
    days on market $339,990 Active 74 DOM
  30. 2026-10-10
    days on market $339,990 Active 73 DOM
  31. 2026-10-09
    days on market $339,990 Active 72 DOM
  32. 2026-10-08
    days on market $339,990 Active 71 DOM
  33. 2026-10-07
    days on market $339,990 Active 70 DOM
  34. 2026-10-06
    days on market $339,990 Active 69 DOM
  35. 2026-10-05
    days on market $339,990 Active 68 DOM
  36. 2026-10-04
    days on market $339,990 Active 67 DOM
  37. 2026-10-04
    days on market $339,990 Active 66 DOM
  38. 2026-10-02
    days on market $339,990 Active 65 DOM
  39. 2026-10-01
    days on market $339,990 Active 64 DOM
  40. 2026-09-30
    days on market $339,990 Active 63 DOM
  41. 2026-09-29
    price $339,990 Active 62 DOM
  42. 2026-09-29
    days on market $344,990 Active 62 DOM
  43. 2026-09-28
    days on market $344,990 Active 61 DOM
  44. 2026-09-27
    days on market $344,990 Active 60 DOM
  45. 2026-09-26
    days on market $344,990 Active 59 DOM
  46. 2026-09-25
    days on market $344,990 Active 58 DOM
  47. 2026-09-24
    days on market $344,990 Active 57 DOM
  48. 2026-09-23
    days on market $344,990 Active 56 DOM
  49. 2026-09-22
    days on market $344,990 Active 55 DOM
  50. 2026-09-21
    days on market $344,990 Active 54 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

  • 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 24 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$29,340
− Mortgage interest
−$18,154
− Property taxes
−$4,861
− Insurance
−$2,418
− Repairs & maintenance
−$2,347
− Management
−$2,347
− HOA
−$900
− Depreciation
−$9,428
Taxable loss
−$11,115
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,668
After-tax cash flow
$-2,727/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.

Condition & rehab AI · 8 photos

Excellent 100/100 None rehab

This beautiful two-story home is in excellent condition with no visible repairs or maintenance needed. It offers a modern kitchen, bathrooms, and a well-maintained exterior. Upgrades to the exterior, interior, and appliances can further enhance its value and attract more buyers or renters.

Value-add opportunities

  • Both Painting the exterior and interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics. ↑
  • Both Landscaping improvements — Enhanced landscaping can improve the home's curb appeal and add value. ↑
  • Resale Kitchen appliances and fixtures — Upgrading appliances can attract more buyers and increase the home's value. ↑
  • Resale Bathroom fixtures and finishes — Modernizing bathrooms can attract more buyers and increase the home's value. ↑
  • Resale Flooring upgrades — Upgrading flooring can enhance the home's appearance and attract more buyers. ↑
  • Rental HVAC system maintenance — A well-maintained HVAC system can attract renters and reduce maintenance costs. ↑
  • Both Landscaping and curb appeal — A well-maintained and attractive exterior can increase the home's value and attract more buyers or renters. ↑
C Composite school gradezoned avg 69/100

Zoned Schools

Elementary Barbers Hill El South B+ TX #246/4,322 Nat'l #5,107/41,679 Middle Barbers Hill Middle South A TX #58/1,662 Nat'l #819/14,009 High Barbers Hill H S B+ TX #95/1,632 Nat'l #1,878/17,239

Schools (NCES district)

District
Barbers Hill ISD
NCES district ID
4809450
Math proficiency
72% ▼ -5.00%
Reading proficiency
65% ▼ -1.00%
Median HH income
$87,257
Composite
61.73/100
National rank
#737
State rank
#12 of 826 in TX
C Composite livability gradescore 64/100

Livability — Cove

Score
64/100
State rank
#766
US rank
#13996

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Chambers County · 46,946 people
Metro
Houston-The Woodlands-Sugar Land, TX
Population (ZIP)
30,186
Household income
$124,188
Rent vs Own
18.7% rent · 81.3% own
Severe rent burden
6% of renters

Population outlook (Chambers County) Hauer SSP2

Today (2025)
46,946 people
By 2030
51,094 · +8.8%
By 2040
59,578 · +26.9%
By 2050
68,318 · +45.5%
By 2075
90,485 · +92.7%
By 2100
104,885 · +123.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Majority White (62%)
Race & ethnicity
White 62% Hispanic / Latino 25% Two or more races 11% Black 8% Asian 2%
Hispanic origin (detail)
Mexican 22%
Languages at home
82% English-only · Spanish 17%

Political lean MEDSL · Chambers

2024 margin
Solid R (+65.6) · D 16.8% · R 82.4%
2008→2024 swing
-14.4pp toward R · 2008: -51.2pp · 2024: -65.6pp
All cycles
2024: R+65.6 2020: R+61.7 2016: R+62.1 2012: R+61.1 2008: R+51.2

Not yet ingested

Civics
—

Price history

-4.1% since first listed
8 events — show timeline
  • 2026-07-29 Listed $365,990 HARMLS
  • 2026-07-24 Price Changed $365,990 Zillow
  • 2026-06-19 Price Changed $360,990 Zillow
  • 2026-06-16 Price Changed $361,990 Zillow
  • 2026-06-11 Price Changed $359,990 Zillow
  • 2026-05-14 Price Changed $364,990 Zillow
  • 2026-02-26 Price Changed $369,990 Zillow
  • 2026-02-26 Listed $381,590 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…