1633 Pima Trl · Harker Heights, TX 76548

$309,900

4 bd · 2.5 ba · 2,420 sqft · SingleFamily public records · 151 Days on market

Built 2022 4,364 sqft lot $128/sqft · 15% below area Est $366k · 15% under

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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 +14.4/15.0
• Cash flow +7.5/30.0
• Livability +4.0/5.0
• Schools +3.0/10.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• DSCR +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Ideally located close to schools, parks, and everyday shopping, this home offers a layout that feels both functional and inviting. The open living space centers around a stunning island kitchen that flows seamlessly into the great room, making it easy to stay connected whether you’re hosting or enjoying a quiet night in. Granite countertops, crisp white cabinetry, and a coordinating white tile backsplash give the kitchen a clean, modern look that stands out. The owner’s suite provides a comfortable retreat with a spacious walk-in closet and a double sink vanity, offering plenty of room to start and end your day with ease. This home combines convenience, style, and a layout designed for today’s lifestyle.

Key facts

• Island kitchen
• Walk-in closet
• Great room

Tags

• ISLAND KITCHEN
• GREAT ROOM
• GRANITE COUNTERTOPS
• WHITE CABINETRY
• WHITE TILE BACKSPLASH
• WALK-IN CLOSET

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $310k.

Deal economics

• At list price, monthly cash flow is $-381 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $243k (21.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $228k (26.4% below list).
• Recommended offer: $228k (26.4% below list) — sets the bar for 1% rule.
• Cap rate 4.8% vs local median 3.8% in Harker Heights — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 79/100 on livability (#61 in TX, #2,271 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Killeen ISD (urban): math 31% / reading 38% proficiency, ranked #524 of 826 in TX (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents flat; 267 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).
• This rent runs 34% of the median local income ($81k/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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 151 days — a 12% lower offer ($273k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 5y ago; this cycle's ask has dropped $20k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $228,026 (26.4% 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 151 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.74% ✗
• Cap rate: 4.82%
• Cash-on-cash: -5.27%
• DSCR: 0.77
• GRM: 11.3

CMA / ARV

• ARV (median comp): $366,040
• List price: $309,900
• Delta: -15.34%
• 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
1203 Old Oak Rd	0.56mi	4/2.5	2,370 (-2%)	2mo	$426,000	$180	69
1701 Paso Fino Trl	0.17mi	4/2.0	2,150 (-11%)	4mo	$345,240	$161	68
1807 Paint Horse Trl	0.36mi	4/3.0	2,131 (-12%)	1mo	$404,800	$190	60
2025 Mercer St	0.50mi	4/3.5	2,588 (+7%)	1mo	$369,900	$143	60
2006 Rose Cir	0.54mi	3/2.0 (-1)	2,444 (+1%)	9mo	$335,000	$137	58
1200 Windy Hill Rd	0.60mi	4/3.0	2,343 (-3%)	8mo	$429,900	$183	58
1204 Mountain View Dr	0.26mi	3/2.0 (-1)	2,108 (-13%)	6mo	$363,900	$173	55
2436 Macdougal St	0.74mi	4/2.5	2,241 (-7%)	1mo	$379,900	$170	52
2116 Buckner St	0.45mi	3/2.0 (-1)	2,150 (-11%)	2mo	$340,000	$158	51
2118 Mercer St	0.64mi	4/3.0	2,191 (-10%)	2mo	$360,000	$164	51
1119 Old Oak Rd	0.68mi	4/2.5	2,153 (-11%)	7mo	$330,000	$153	44
2030 Rustling Oaks Dr	0.62mi	4/2.5	2,059 (-15%)	7mo	$365,000	$177	40

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 · 0.93% rent growth · sell at horizon

5-year hold

• IRR: -27.6%
• Equity multiple: 0.09×
• Total profit: $-79,084
• Equity at exit: $46,207

10-year hold

• IRR: -35.9%
• Equity multiple: -0.36×
• Total profit: $-118,196
• Equity at exit: $26,794

Cash invested: $86,772 (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 76548

• Home prices YoY: -25.2%
• Rents YoY: 0.9%
• Active inventory: 267
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $2,280 high
• Mortgage (P&I): −$1,625
• Tax from tax record: −$428 /mo · $5,139/yr
• Insurance: −$129
• HOA: −$0
• Vacancy / Maint / Mgmt: −$479
• Net cashflow: $-381

Break-even live

Break-even rent $2,763

Max offer price $242,575

Occupancy floor —

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: $77,475
• Closing costs: $9,297
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1729 Friesian Loop Harker Heights, TX	5.0	2.5	2572	$2,950	$1.15	23d	1	0.14mi
1615 Pontotoc Trce Unit B Harker Heights, TX	3.0	2.0	2420	$1,250	$0.52	21d	1	0.25mi
1809 McGinnis Ct Harker Heights, TX	4.0	2.5	2099	$1,900	$0.91	23d	1	0.30mi
1814 Horatio St Nolanville, TX	3.0	2.0	1841	$2,065	$1.12	44d	1	0.44mi
1200 Rocky Ridge Trl Harker Heights, TX	4.0	3.0	3200	$2,750	$0.86	23d	1	0.47mi
1901 Horatio St Nolanville, TX	3.0	2.0	1945	$2,050	$1.05	23d	1	0.50mi
1605 Cedar Oaks Ln Harker Heights, TX	4.0	2.0	1750	$1,850	$1.06	44d	1	0.51mi
2053 Stillwell St Nolanville, TX	4.0	2.0	1811	$2,300	$1.27	23d	1	0.59mi
2012 Stillwell St Nolanville, TX	4.0	3.0	1800	$2,195	$1.22	23d	1	0.61mi
108 Stone Canyon Ct Harker Heights, TX	4.0	2.5	2090	$1,750	$0.84	44d	1	0.67mi
2003 Renea Cir Harker Heights, TX	5.0	2.5	1985	$2,200	$1.11	23d	1	0.67mi
1804 Iron Jacket Trl Harker Heights, TX	4.0	3.0	2587	$2,395	$0.93	44d	1	0.70mi
1806 Iron Jacket Trl Harker Heights, TX	4.0	2.0	2178	$2,345	$1.08	23d	1	0.70mi
129 Wind Ridge Dr Harker Heights, TX	4.0	3.0	2381	$1,995	$0.84	44d	1	0.71mi
1805 Diana Ln Harker Heights, TX	4.0	2.0	1732	$1,595	$0.92	44d	1	0.75mi
2005 Herald Dr Harker Heights, TX	4.0	2.0	1925	$1,995	$1.04	23d	1	0.79mi
2009 Herald Dr Harker Heights, TX	4.0	2.0	1970	$1,800	$0.91	44d	1	0.81mi
406 Diana Ln Harker Heights, TX	4.0	2.0	1617	$1,600	$0.99	44d	1	0.85mi
700 Honeysuckle Cir Harker Heights, TX	4.0	3.0	2022	$2,050	$1.01	23d	1	0.87mi
2013 Drawbridge Dr Unit DRAW2013 Harker Heights, TX	3.0	2.0	1687	$1,699	$1.01	44d	1	0.92mi
1507 Hazelnut Dr Harker Heights, TX	4.0	2.0	1964	$2,000	$1.02	44d	1	1.05mi
2506 Jackson Dr Harker Heights, TX	4.0	2.0	1962	$2,195	$1.12	44d	1	1.08mi
7026 Chimney Hill Dr Nolanville, TX	4.0	2.5	2041	$2,200	$1.08	23d	1	1.11mi
406 Stonewall Rdg Harker Heights, TX	3.0	2.0	1670	$1,995	$1.19	44d	1	1.15mi
1202 Stonewall Rdg Harker Heights, TX	5.0	3.0	2691	$2,400	$0.89	21d	1	1.17mi
1306 Stonewall Rdg Harker Heights, TX	3.0	2.5	2087	$2,100	$1.01	23d	1	1.20mi
2403 Corradino St Harker Heights, TX	4.0	3.0	2083	$2,400	$1.15	44d	1	1.33mi
2412 Freddie L. Nichols Sr. Dr Harker Heights, TX	4.0	2.0	1722	$1,900	$1.10	23d	1	1.45mi
2418 Corradino St Harker Heights, TX	3.0	2.0	1704	$1,950	$1.14	44d	1	1.46mi

Listing history 21 events

1. 2026-06-15
   days on market $309,900 Active 151 DOM
2. 2026-06-14
   days on market $309,900 Active 149 DOM
3. 2026-06-13
   pricedays on market $309,900 Active 148 DOM
4. 2026-06-10
   days on market $325,000 Active 146 DOM
5. 2026-06-09
   days on market $325,000 Active 145 DOM
6. 2026-06-08
   days on market $325,000 Active 144 DOM
7. 2026-06-07
   days on market $325,000 Active 143 DOM
8. 2026-06-03
   days on market $325,000 Active 139 DOM
9. 2026-06-02
   days on market $325,000 Active 138 DOM
10. 2026-06-01
    days on market $325,000 Active 137 DOM
11. 2026-05-31
    days on market $325,000 Active 136 DOM
12. 2026-05-30
    days on market $325,000 Active 135 DOM
13. 2026-03-05
    price $325,000 731-char remark

    Show marketing remark (731 chars)

    Ideally located close to schools, parks, and everyday shopping, this home offers a layout that feels both functional and inviting. The open living space centers around a stunning island kitchen that flows seamlessly into the great room, making it easy to stay connected whether you’re hosting or enjoying a quiet night in. Granite countertops, crisp white cabinetry, and a coordinating white tile backsplash give the kitchen a clean, modern look that stands out. The owner’s suite provides a comfortable retreat with a spacious walk-in closet and a double sink vanity, offering plenty of room to start and end your day with ease. This home combines convenience, style, and a layout designed for today’s lifestyle.

14. 2026-01-15
    listed $330,000 Active 731-char remark

    Show marketing remark (731 chars)

    Ideally located close to schools, parks, and everyday shopping, this home offers a layout that feels both functional and inviting. The open living space centers around a stunning island kitchen that flows seamlessly into the great room, making it easy to stay connected whether you’re hosting or enjoying a quiet night in. Granite countertops, crisp white cabinetry, and a coordinating white tile backsplash give the kitchen a clean, modern look that stands out. The owner’s suite provides a comfortable retreat with a spacious walk-in closet and a double sink vanity, offering plenty of room to start and end your day with ease. This home combines convenience, style, and a layout designed for today’s lifestyle.

15. 2025-09-29
    historical
16. 2025-08-07
    listed $329,900 Active
17. 2022-05-25
    status Pending
18. 2022-05-19
    status Active
19. 2022-05-12
    status Pending
20. 2022-05-02
    listed $292,900 Active
21. 2021-07-06
    listed $33,583

ⓘ 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: $5,139 · $428/mo
• Projected year-2 tax: $5,671 · $473/mo
• Expected delta: +$532/yr (+$44/mo · 10.4%)

ⓘ 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 ≥107°F today · 24 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: $27,363
• − Mortgage interest: −$17,359
• − Property taxes: −$5,139
• − Insurance: −$1,550
• − Repairs & maintenance: −$2,189
• − Management: −$2,189
• − Depreciation: −$9,015
• Taxable loss: −$10,078
• Est. tax savings @ 24.0%: +$2,419
• After-tax cash flow: $-2,155/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: Killeen ISD
• NCES district ID: 4825660
• Math proficiency: 31% ▼ -16.00%
• Reading proficiency: 38% ▼ -3.00%
• Median HH income: $47,665
• Composite: 29.69/100
• National rank: #6458
• State rank: #524 of 826 in TX

Livability — Harker Heights

• Score: 79/100
• State rank: #61
• US rank: #2271

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Harker Heights, TX
• County: Bell County · 345,090 people
• City population: 33,729
• Metro: Killeen-Temple, TX
• Population (ZIP): 33,729
• Household income: $80,520
• Rent vs Own: 38.6% rent · 61.4% own
• Severe rent burden: 672.0

Population outlook (Bell County) Hauer SSP2

• Today (2025): 371,114 people
• By 2030: 389,104 · +4.8%
• By 2040: 420,592 · +13.3%
• By 2050: 447,779 · +20.7%
• By 2075: 499,130 · +34.5%
• By 2100: 505,680 · +36.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: White 40% Black 27% Hispanic / Latino 22% Two or more races 13% Asian 3% Pacific Islander 2% Native American 1%
• Hispanic origin (detail): Mexican 14% Puerto Rican 3%
• Common ancestry: Iranian 3% Lithuanian 2% Italian 2%
• Foreign-born: 10% · Canada, Vietnam, South Korea
• Languages at home: 83% English-only · Spanish 9% French/Haitian/Cajun 2% German/W. Germanic 1%

Political lean MEDSL · Bell

• 2024 margin: R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
• 2008→2024 swing: -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
• All cycles: 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -52.76%
• Current HPI: 156.4499
• Rent YoY: ▲ 0.93%
• Metro: Killeen-Temple, 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

+867.8% since first listed

9 events — show timeline

• 2026-03-05 Price Changed $325,000 CTXMLS
• 2026-01-15 Listed $330,000 CTXMLS
• 2025-09-29 Listing Removed — CTXMLS
• 2025-08-07 Listed $329,900 CTXMLS
• 2022-05-25 Pending — CTXMLS
• 2022-05-19 Relisted — CTXMLS
• 2022-05-12 Pending — CTXMLS
• 2022-05-02 Listed $292,900 CTXMLS
• 2021-07-06 Listed $33,583 CTXMLS

Property tax history

+131.6%/yr

Latest (2025): $5,139 · -4.1% YoY. Source: county tax records.