825 13th St · Abilene, TX 79601

$177,000

2 bd · 2.0 ba · 1,008 sqft · SingleFamily public records · 45 Days on market

Built 1947 9,801 sqft lot $176/sqft · 23% above area Est $144k · 23% over

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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 +23.8/30.0
• DSCR +7.7/10.0
• 1% rule +6.8/10.0
• Rent growth +5.0/5.0
• Livability +3.8/5.0
• Schools +2.8/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Income producing TRIPLEX opportunity with value add potential! Walking distance to ACU. This unique property features three separate dwellings, ideal for investors looking to expand their portfolio with both immediate cash flow and upside potential. The main home at 825 EN 13th offers 2 bedrooms and 1 bath, plus a converted attic space previously used as an additional bedroom and bath, now serving as storage. The middle unit 825A is a 1 bedroom, 1 bath that is currently vacant and ready for showings. The rear unit features 2 bedrooms, 1 bath, and an attached exterior-access laundry storage area. Two units are currently tenant-occupied with residents who would like to remain, providing built-in income from day one. Exterior improvement with brand new roofs installed on all three dwellings, helping reduce future capital expenses. Property is being sold as-is and will require repairs and updates, making it a strong candidate for investors seeking a value add project with rental upside. Don’t miss this opportunity to acquire a multi-unit property with existing income, renovation potential, and long term growth possibilities.

Key facts

• Value add potential
• Existing income
• Triplex opportunity

Tags

• TRIPLEX OPPORTUNITY
• WALKING DISTANCE TO ACU
• THREE SEPARATE DWELLINGS
• NEW ROOFS INSTALLED
• VALUE ADD POTENTIAL
• EXISTING INCOME

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $177k.

Deal economics

• At list price, monthly cash flow is $340 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $177k).
• Recommended offer: $172k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 6.8% in Abilene — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 75/100 on livability (#142 in TX, #4,037 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, crime D, commute F.
• Abilene ISD (urban): math 32% / reading 34% proficiency, ranked #575 of 826 in TX (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+43.4%/yr); 195 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 508 units permitted in Taylor County in 2024 (0 in 5+ unit buildings).
• At $2,095/mo this rent would consume 47% of the median local household income ($54k/yr) (locally 1240% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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.
• Taylor County population projected at +16% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $50k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 7y 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 1947 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $171,690 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 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 1947 — 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. 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?
6. 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.
7. 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.
8. 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: 1.18% ✓
• Cap rate: 8.60%
• Cash-on-cash: 8.24%
• DSCR: 1.37
• GRM: 7.0

CMA / ARV

• ARV (median comp): $144,478
• List price: $177,000
• Delta: 22.51%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
825 13th St	0.00mi	2/1.0	1,008 (0%)	0mo	$177,000	$176	96
825 E North 12th St	0.06mi	2/1.0	1,052 (+4%)	2mo	$161,000	$153	84
718 E North 11th St	0.20mi	2/1.0	1,015 (+1%)	3mo	$115,000	$113	83
1302 Westheimer Rd #206	0.30mi	2/2.0	971 (-4%)	5mo	$140,000	$144	76
602 E North 15th St	0.35mi	3/2.0 (+1)	1,084 (+8%)	0mo	$150,000	$138	66
1402 Westheimer Rd #226	0.31mi	2/1.0	867 (-14%)	4mo	$125,000	$144	55
774 14th St	0.14mi	3/1.0 (+1)	1,148 (+14%)	8mo	$125,000	$109	55
242 College Dr	0.67mi	2/1.0	1,002 (-1%)	12mo	$92,000	$92	54
1842 Lincoln Dr	0.65mi	2/1.0	1,129 (+12%)	18mo	$182,000	$161	31

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 2.1%
• Equity multiple: 1.08×
• Total profit: $4,140
• Equity at exit: $26,391

10-year hold

• IRR: 16.3%
• Equity multiple: 2.66×
• Total profit: $82,246
• Equity at exit: $15,304

Cash invested: $49,560 (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 79601

• Home prices YoY: -22.8%
• Rents YoY: 43.4%
• Active inventory: 195
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $2,095 high
• Mortgage (P&I): −$928
• Tax from tax record: −$313 /mo · $3,756/yr
• Insurance: −$74
• HOA: −$0
• Vacancy / Maint / Mgmt: −$440
• Net cashflow: $340

Break-even live

Break-even rent $1,664

Max offer price $177,000

Occupancy floor 79%

Sensitivity live

Price	-10% $440	-5% $390	+0% $340	+5% $290	+10% $240
Rent	-10% $175	-5% $257	+0% $340	+5% $423	+10% $506
Rate	-1.0pp $429	-0.5pp $385	base $340	+0.5pp $294	+1.0pp $248

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: $44,250
• Closing costs: $5,310
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1402 Westheimer Rd Abilene, TX	2.0	1.0	867	$3,500	$4.04	44d	1	0.30mi
874 N Judge Ely Blvd Abilene, TX	2.0	1.0	928	$1,595	$1.72	22d	1	0.40mi
921 Bruce Way Abilene, TX	3.0	2.0	1156	$3,200	$2.77	14d	1	0.48mi
702 N 13th St Abilene, TX	3.0	2.0	1334	$2,200	$1.65	14d	1	1.11mi
1426 Plum St Abilene, TX	3.0	2.0	1090	$2,014	$1.85	14d	1	1.11mi
1741 Pasadena Dr Abilene, TX	3.0	1.0	816	$1,700	$2.08	44d	1	1.16mi
2702 N Judge Ely Blvd Abilene, TX	2.0–3.0	2.0–3.0	1025	$1,579	$1.54	14d	6	1.39mi

Listing history 8 events

1. 2026-05-15
   status Pending 1147-char remark

   Show marketing remark (1147 chars)

   Income producing TRIPLEX opportunity with value add potential! Walking distance to ACU. This unique property features three separate dwellings, ideal for investors looking to expand their portfolio with both immediate cash flow and upside potential. The main home at 825 EN 13th offers 2 bedrooms and 1 bath, plus a converted attic space previously used as an additional bedroom and bath, now serving as storage. The middle unit 825A is a 1 bedroom, 1 bath that is currently vacant and ready for showings. The rear unit features 2 bedrooms, 1 bath, and an attached exterior-access laundry storage area. Two units are currently tenant-occupied with residents who would like to remain, providing built-in income from day one. Exterior improvement with brand new roofs installed on all three dwellings, helping reduce future capital expenses. Property is being sold as-is and will require repairs and updates, making it a strong candidate for investors seeking a value add project with rental upside. Don’t miss this opportunity to acquire a multi-unit property with existing income, renovation potential, and long term growth possibilities.

2. 2026-05-03
   historical Active Option Contract 1147-char remark

   Show marketing remark (1147 chars)

   Income producing TRIPLEX opportunity with value add potential! Walking distance to ACU. This unique property features three separate dwellings, ideal for investors looking to expand their portfolio with both immediate cash flow and upside potential. The main home at 825 EN 13th offers 2 bedrooms and 1 bath, plus a converted attic space previously used as an additional bedroom and bath, now serving as storage. The middle unit 825A is a 1 bedroom, 1 bath that is currently vacant and ready for showings. The rear unit features 2 bedrooms, 1 bath, and an attached exterior-access laundry storage area. Two units are currently tenant-occupied with residents who would like to remain, providing built-in income from day one. Exterior improvement with brand new roofs installed on all three dwellings, helping reduce future capital expenses. Property is being sold as-is and will require repairs and updates, making it a strong candidate for investors seeking a value add project with rental upside. Don’t miss this opportunity to acquire a multi-unit property with existing income, renovation potential, and long term growth possibilities.

3. 2026-04-20
   price $177,000 1147-char remark

   Show marketing remark (1147 chars)

   Income producing TRIPLEX opportunity with value add potential! Walking distance to ACU. This unique property features three separate dwellings, ideal for investors looking to expand their portfolio with both immediate cash flow and upside potential. The main home at 825 EN 13th offers 2 bedrooms and 1 bath, plus a converted attic space previously used as an additional bedroom and bath, now serving as storage. The middle unit 825A is a 1 bedroom, 1 bath that is currently vacant and ready for showings. The rear unit features 2 bedrooms, 1 bath, and an attached exterior-access laundry storage area. Two units are currently tenant-occupied with residents who would like to remain, providing built-in income from day one. Exterior improvement with brand new roofs installed on all three dwellings, helping reduce future capital expenses. Property is being sold as-is and will require repairs and updates, making it a strong candidate for investors seeking a value add project with rental upside. Don’t miss this opportunity to acquire a multi-unit property with existing income, renovation potential, and long term growth possibilities.

4. 2026-03-31
   listed $180,000 Active 1147-char remark

   Show marketing remark (1147 chars)

   Income producing TRIPLEX opportunity with value add potential! Walking distance to ACU. This unique property features three separate dwellings, ideal for investors looking to expand their portfolio with both immediate cash flow and upside potential. The main home at 825 EN 13th offers 2 bedrooms and 1 bath, plus a converted attic space previously used as an additional bedroom and bath, now serving as storage. The middle unit 825A is a 1 bedroom, 1 bath that is currently vacant and ready for showings. The rear unit features 2 bedrooms, 1 bath, and an attached exterior-access laundry storage area. Two units are currently tenant-occupied with residents who would like to remain, providing built-in income from day one. Exterior improvement with brand new roofs installed on all three dwellings, helping reduce future capital expenses. Property is being sold as-is and will require repairs and updates, making it a strong candidate for investors seeking a value add project with rental upside. Don’t miss this opportunity to acquire a multi-unit property with existing income, renovation potential, and long term growth possibilities.

5. 2019-12-01
   historical
6. 2019-06-17
   listed $139,900 Active
7. 2004-09-16
   soldstatus
8. 2004-09-16
   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: $3,756 · $313/mo
• Projected year-2 tax: $3,756 · $313/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 2/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥104°F today · 23 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,140
• − Mortgage interest: −$9,915
• − Property taxes: −$3,756
• − Insurance: −$885
• − Repairs & maintenance: −$2,011
• − Management: −$2,011
• − Depreciation: −$5,149
• Taxable income: $1,413
• Est. tax owed @ 24.0%: −$339
• After-tax cash flow: $3,742/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: Abilene ISD
• NCES district ID: 4807440
• Math proficiency: 32% ▼ -11.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $39,782
• Composite: 27.71/100
• National rank: #6909
• State rank: #575 of 826 in TX

Livability — Abilene

• Score: 75/100
• State rank: #142
• US rank: #4037

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Abilene, TX
• County: Taylor County · 136,672 people
• City population: 136,672
• Metro: Abilene, TX
• Population (ZIP): 28,050
• Household income: $53,631
• Rent vs Own: 50.8% rent · 49.2% own
• Severe rent burden: 1240.0

Population outlook (Taylor County) Hauer SSP2

• Today (2025): 145,270 people
• By 2030: 150,050 · +3.3%
• By 2040: 159,417 · +9.7%
• By 2050: 168,883 · +16.3%
• By 2075: 194,436 · +33.8%
• By 2100: 203,163 · +39.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 55% Hispanic / Latino 25% Black 13% Two or more races 13% Asian 3%
• Hispanic origin (detail): Mexican 21%
• Common ancestry: Italian 2% Lithuanian 2% Serbian 1%
• Foreign-born: 7% · Canada, Vietnam
• Languages at home: 81% English-only · Spanish 15% French/Haitian/Cajun 1% Vietnamese 1%

Political lean MEDSL · Taylor

• 2024 margin: Solid R (+49.8) · D 24.6% · R 74.4% · Other 1.0%
• 2008→2024 swing: -4.2pp toward R · 2008: -45.6pp · 2024: -49.8pp
• All cycles: 2024: R+49.8 2020: R+45.3 2016: R+51.1 2012: R+53.6 2008: R+45.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.17%
• Current HPI: 214.4372
• Rent YoY: ▲ 43.38%
• Metro: Abilene, 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

+26.5% since first listed

8 events — show timeline

• 2026-05-15 Pending — NTREIS
• 2026-05-03 Contingent — NTREIS
• 2026-04-20 Price Changed $177,000 NTREIS
• 2026-03-31 Listed $180,000 NTREIS
• 2019-12-01 Listing Removed — NTREIS
• 2019-06-17 Listed $139,900 NTREIS
• 2004-09-16 Sold (Public Records) — Public Records
• 2004-09-16 Sold (Public Records) — Public Records

Property tax history

+6.1%/yr

Latest (2025): $3,756 · +2.3% YoY. Source: county tax records.