4030 Judivan · San Antonio, TX 78218

$149,900

3 bd · 1.5 ba · 1,146 sqft · SingleFamily public records · 17 Days on market

Built 1971 7,710 sqft lot Est $196k · 24% under

---

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).

• ARV discount +15.0/15.0
• Cash flow +14.9/30.0
• 1% rule +5.3/10.0
• DSCR +4.6/10.0
• Livability +4.0/5.0
• Schools +3.8/10.0
• Condition / age +2.5/5.0
• Rent growth +1.1/5.0
• Appreciation +0.0/10.0

Listing remarks

Single-family CASH ONLY investment opportunity SOLD AS IS featuring 4 bedrooms, 1.5 bathrooms, and 1,146 square feet of living space. The property offers a functional open layout with a natural flow between the living and dining areas, providing a solid foundation for future updates, customization, or reconfiguration. Includes a one-car garage and a large backyard, adding strong upside potential for exterior improvements, expansion, or enhanced outdoor use. This property is ideal for investors or buyers looking for a value-add opportunity. With renovation, it has strong potential for resale or rental income. Sold as is.

Key facts

• 7,710 sq ft lot
• Garage
• Built 1971

Property features AI

Finance

• Other: Possession at closing/funding; For sale
• Financial info: Down payment resource not indicated
• HOA & community: Located in EAST TERRELL HILLS HEIGHTS / EAST TERRELL HILLS NE subdivision

Exterior

• Parking: 1-car garage
• Utilities: City water and sewer
• Home design: Pre-owned single-family home; Approximately 55 years old
• Construction: Slab foundation; Composition roof
• Exterior features: Brick and siding exterior

Interior

• Kitchen: Kitchen (12 x 8); Includes Stove/Range, Refrigerator, Dishwasher
• Bedrooms: Master bedroom on lower level (13 x 10); Bedroom 2 (12 x 10); Bedroom 3 (12 x 10); Bedroom 4 (10 x 10)
• Flooring: Vinyl flooring
• Bathrooms: 2 total bathrooms (1 full, 1 half); Master bath with single vanity (5 x 5); no tub or shower
• Heating & cooling: Central heating (natural gas); Central air conditioning
• Interior features: Living area and separate dining room; Laundry located in garage; Washer, Dryer, Stove/Range, Refrigerator, Dishwasher
• Laundry & utility: Washer and Dryer (laundry in garage)

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $44 ($525/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $148k (1.5% below list) — sets the bar for market timing.
• Cap rate 6.6% vs local median 3.8% in San Antonio — 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 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F.
• North East ISD (urban): math 38% / reading 49% proficiency, ranked #276 of 826 in TX (top 33%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Terrell Hills El (math 19% / reading 38%, grade F, #2,706 of 4,322 statewide, top 63%, 601 students, 92% FRL); Krueger Middle (math 37% / reading 34%, grade F, #827 of 1,662 statewide, top 51%, 813 students, 77% FRL); Roosevelt H S (math 20% / reading 40%, grade F, #1,096 of 1,632 statewide, top 68%, 2,599 students, 72% FRL) — zoned schools average 80% FRL vs 41% district-wide (39 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 31% at this address vs 44% district-wide (-12 pts) — the specific schools serving this property underperform the North East ISD average; the district grade overstates school quality for this exact location.
• Market conditions: Rents falling (-5.6%/yr); 135 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 32% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($148k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $147,651 (1.5% below list)

Questions for the listing agent

1. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is F 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?
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: 1.03% ✓
• Cap rate: 6.64%
• Cash-on-cash: 1.25%
• DSCR: 1.06
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $195,966
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4106 Tropical	0.16mi	4/2.0 (+1)	1,161 (+1%)	9mo	$220,000	$189	76
4207 Tallulah	0.30mi	3/2.0	1,100 (-4%)	9mo	$195,000	$177	70
4163 Judivan	0.21mi	3/2.0	1,244 (+9%)	8mo	$175,000	$141	67
3730 La Sabre Dr	0.48mi	3/2.0	1,104 (-4%)	6mo	$149,000	$135	65
6718 Pear Tree	0.09mi	3/1.5	1,308 (+14%)	9mo	$135,000	$103	65
1127 Olney	0.36mi	3/2.0	1,284 (+12%)	2mo	$219,900	$171	59
4334 Diamondhead	0.54mi	3/2.0	1,204 (+5%)	10mo	$174,900	$145	56
4411 Bikini Dr	0.55mi	3/2.0	1,212 (+6%)	9mo	$215,000	$177	55
215 Antrim	0.53mi	3/1.0	988 (-14%)	8mo	$150,000	$152	43
339 Timberlane	0.68mi	3/2.0	1,033 (-10%)	10mo	$175,000	$169	42
3702 La Sabre Dr	0.57mi	2/1.0 (-1)	1,027 (-10%)	9mo	$185,000	$180	41
215 Artemis	0.73mi	3/1.0	984 (-14%)	4mo	$185,000	$188	37

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: -18.1%
• Equity multiple: 0.38×
• Total profit: $-25,911
• Equity at exit: $22,351

10-year hold

• IRR: -18.9%
• Equity multiple: 0.14×
• Total profit: $-35,991
• Equity at exit: $12,961

Cash invested: $41,972 (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 78218

• Home prices YoY: -16.1%
• Rents YoY: -5.6%
• Active inventory: 135
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,541 high
• Mortgage (P&I): −$786
• Tax from tax record: −$325 /mo · $3,904/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$324
• Net cashflow: $44

Break-even live

Break-even rent $1,486

Max offer price $149,900

Occupancy floor 92%

Sensitivity live

Price	-10% $129	-5% $86	+0% $44	+5% $1	+10% $-41
Rent	-10% $-78	-5% $-17	+0% $44	+5% $105	+10% $166
Rate	-1.0pp $119	-0.5pp $82	base $44	+0.5pp $5	+1.0pp $-35

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4102 Waikiki Dr San Antonio, TX	3.0	1.0	1167	$1,395	$1.20	15d	1	0.32mi
354 Brettonwood Dr Unit 1 San Antonio, TX	3.0	1.0	1056	$1,395	$1.32	45d	1	0.39mi
4207 Waikiki Dr San Antonio, TX	3.0	2.0	1144	$1,475	$1.29	45d	1	0.41mi
339 Brettonwood Dr San Antonio, TX	3.0	2.0	1063	$2,000	$1.88	25d	1	0.41mi
258 Antrim Dr San Antonio, TX	3.0	2.0	1252	$1,595	$1.27	45d	1	0.43mi
3730 La Sabre Dr San Antonio, TX	4.0	2.0	1434	$1,900	$1.32	45d	1	0.50mi
4229 Renault Dr San Antonio, TX	3.0	2.0	1152	$1,525	$1.32	19d	1	0.50mi
226 Antrim Dr San Antonio, TX	3.0	1.0	960	$1,395	$1.45	4d	1	0.51mi
258 Cresham Dr San Antonio, TX	3.0	2.0	1383	$1,650	$1.19	45d	1	0.55mi
106 Covina Ave San Antonio, TX	3.0	2.0	1421	$2,000	$1.41	3d	1	0.56mi
1006 Sumner Dr San Antonio, TX	3.0	2.0	1314	$1,697	$1.29	25d	1	0.57mi
206 Covina Ave San Antonio, TX	3.0	2.0	1332	$2,000	$1.50	25d	1	0.60mi
4431 Myrna Dr San Antonio, TX	2.0	2.0	1186	$1,035	$0.87	16d	1	0.63mi
842 Corinne Dr #21 San Antonio, TX	3.0	2.0	1248	$49,000	$39.26	23d	1	0.69mi
6810 Glendora Ave Unit 15 San Antonio, TX	2.0	1.0	1000	$865	$0.86	45d	1	0.75mi
3600 Eisenhauer Rd San Antonio, TX	1.0–2.0	1.0–2.0	681	$1,579	$2.32	0d	17	0.82mi
343 Blaze Ave San Antonio, TX	3.0	2.0	1438	$1,750	$1.22	18d	1	0.85mi
2530 Harry Wurzbach Rd San Antonio, TX	1.0–3.0	1.0–2.0	950	$1,420	$1.49	0d	11	0.89mi
3400 Northeast Pkwy Apt 1116 San Antonio, TX	2.0	1.5	950	$1,199	$1.26	45d	1	0.90mi
3400 Northeast Pkwy Apt 710 San Antonio, TX	2.0	2.0	950	$1,035	$1.09	0d	1	0.93mi
3400 Northeast Pkwy Unit 1808 San Antonio, TX	2.0	2.0	1039	$1,199	$1.15	45d	1	0.93mi
2447 Harry Wurzbach Rd Unit 210-D San Antonio, TX	2.0	1.0	900	$775	$0.86	0d	1	0.95mi
547 Cicero Ave Unit NA San Antonio, TX	3.0	2.0	1500	$1,525	$1.02	45d	1	0.96mi
2447 Harry Wurzbach Rd Unit 231-I San Antonio, TX	2.0	2.0	1000	$899	$0.90	16d	1	0.97mi
2447 Harry Wurzbach Rd Unit 203-B San Antonio, TX	2.0	2.0	1000	$950	$0.95	23d	1	0.97mi
742 Olney Dr San Antonio, TX	3.0	2.0	1469	$1,445	$0.98	45d	1	1.00mi
143 Huxley Dr San Antonio, TX	3.0	2.0	1290	$2,000	$1.55	25d	1	1.03mi
538 Lanark Dr San Antonio, TX	2.0	1.0	987	$1,295	$1.31	25d	1	1.10mi
538 Lanark Dr San Antonio, TX	2.0	1.0	987	$1,295	$1.31	18d	1	1.10mi
630 Sumner Dr San Antonio, TX	4.0	2.0	1368	$1,975	$1.44	19d	1	1.21mi
4848 Goldfield San Antonio, TX	2.0	1.0	930	$1,325	$1.42	45d	1	1.22mi
2355 Austin Hwy Apt 710 San Antonio, TX	2.0	2.0	908	$873	$0.96	0d	1	1.28mi
245 Deerwood Dr San Antonio, TX	2.0	1.0	770	$695	$0.90	4d	1	1.32mi
3202 Eisenhauer Rd San Antonio, TX	2.0–3.0	2.0–2.5	1375	$1,795	$1.30	4d	2	1.33mi
3202 Eisenhauer Rd #801 San Antonio, TX	2.0	2.0	1407	$1,795	$1.28	4d	1	1.33mi
3158 Eisenhauer Rd San Antonio, TX	2.0	1.0	733	$1,099	$1.50	45d	1	1.36mi
236 Deerwood Dr San Antonio, TX	1.0–2.0	1.0	712	$1,004	$1.41	15d	10	1.36mi
4811 Village Vw San Antonio, TX	3.0	2.0	1288	$1,450	$1.13	9d	1	1.37mi
515 Blakeley Dr San Antonio, TX	3.0	2.0	1118	$2,000	$1.79	18d	1	1.37mi
438 Sumner Dr San Antonio, TX	2.0	1.0	816	$1,350	$1.65	9d	1	1.41mi

Listing history 11 events

1. 2026-06-21
   days on market $149,900 Active 17 DOM
2. 2026-06-18
   days on market $149,900 Active 14 DOM
3. 2026-06-17
   days on market $149,900 Active 13 DOM
4. 2026-06-16
   days on market $149,900 Active 12 DOM
5. 2026-06-15
   statusdays on market $149,900 Active 11 DOM
6. 2026-06-13
   days on market $149,900 New 9 DOM
7. 2026-06-13
   days on market $149,900 New 8 DOM
8. 2026-06-09
   days on market $149,900 New 5 DOM
9. 2026-06-08
   days on market $149,900 New 4 DOM
10. 2026-06-07
    remarks 627-char remark
11. 2026-06-07
    listed $149,900 New 3 DOM

ⓘ 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: $3,904 · $325/mo
• Projected year-2 tax: $3,904 · $325/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 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $18,496
• − Mortgage interest: −$8,397
• − Property taxes: −$3,904
• − Insurance: −$750
• − Repairs & maintenance: −$1,480
• − Management: −$1,480
• − Depreciation: −$4,361
• Taxable loss: −$1,874
• Est. tax savings @ 24.0%: +$450
• After-tax cash flow: $975/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: North East ISD
• NCES district ID: 4832940
• Math proficiency: 38% ▼ -14.00%
• Reading proficiency: 49% ▼ -4.00%
• Median HH income: $57,715
• Composite: 38.1/100
• National rank: #4276
• State rank: #276 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: San Antonio, TX
• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 39,428
• Household income: $57,285
• Rent vs Own: 51.8% rent · 48.2% own
• Severe rent burden: 2508.0

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Hispanic / Latino 53% Two or more races 26% White 25% Black 14% Asian 3% Native American 2%
• Hispanic origin (detail): Mexican 41% Puerto Rican 3%
• Common ancestry: Serbian 2% Italian 1% Romanian 1%
• Foreign-born: 18% · Canada, Vietnam, China
• Languages at home: 60% English-only · Spanish 34% Vietnamese 1% Other Asian/Pacific 1%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -52.17%
• Current HPI: 271.2807
• Rent YoY: ▼ -5.56%
• Metro: San Antonio-New Braunfels, 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

1 event — show timeline

• 2026-06-04 Listed $149,900 LERA

Property tax history

+5.8%/yr

Latest (2025): $3,904 · +4.0% YoY. Source: county tax records.