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$147,270

NAL Estimated Property Value

1312 Oneal St, Commerce, TX, 75428

Off MarketInfo
Beds3 Beds
Baths2 Bath
Baths1,295 Sq Ft
Single Family ResidenceSingle Family Residence
price_per_sqft$111.97 / sqft
Year BuiltBuilt in 1934

Property Lead Type:

Off-Market ListAbsentee Owner

Highlights

Interior

Bedrooms 3Bedrooms 3
Bathrooms Full 2Bathrooms Full 2
Heating GasHeating Gas
AppliancesDishwasher, Disposal, Gas Water Heater
FlooringWood

Exterior

Exterior FeaturesAwning(s), Private Entrance
Lot Size15,002 sqft

Building Information

Year Built1934
Stories1
Roof Type105

Land Information

APN4230-0030-0011-31
SubdivisionJack O'neil Addition
Land UseResidential
Legal DescriptionS4230 JACK O'NEIL ADDITION BLK 3 LOT 1A (S1/2 OF 1-2) ACRES .3444
Census Tract960500
Assessed Land Value$40,050
Assessed Improvement Value$107,220
Assessment Year2025

About this property

Welcome to small-town living with all the conveniences of being near Texas A&M Commerce University! This charming 3 bedroom, 2 bathroom home offers the perfect blend of comfort, modern touches, and rental potential. Located just a short walk from the heart of downtown, you'll enjoy easy access to shops, restaurants, and local events. The property features a spacious, fully fenced backyard, perfect for relaxing or entertaining, with mature trees in the front yard providing both shade and beauty. The kitchen boasts a sleek, modern cabinet system along with custom rod iron shelving for stylish and functional storage. Wood slat floors run throughout the home, adding a rustic yet refined touch. One of the standout features of this home is its three separate entrances, offering a unique opportunity for rental income—ideal for college students attending the nearby university. Whether you're looking to make this your forever home, a rental investment, or both, this property provides incredible versatility.

Investor Tools

Property Icon
$147,270
Estimated Property Value
$135,531Estimated Mortgage Balance
$11,739Estimated Equity
7% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$884 /month
Positive
Cash Flow Estimate:
$295 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$393/month
No HOA
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$3,986
$147,270
2025
$40,050
$107,220
$147,270
No

Tax History

Year
Tax Paid
Assessed Value
2024
$3,986
$147,270

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
New American Funding
Conventional
$137,750
No
First
Jun 2, 2025
Jul 2055

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$135,531
$11,739
7%
92%
$826/mo

Learn About the Market: Opportunity in Texas

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Explore

Texas

Living in Texas means access to four of the nation’s most dynamic metro economies — Dallas–Fort Worth’s corporate and logistics powerhouse, Houston’s global energy and medical hub, Austin’s tech-driven and culturally iconic Live Music Capital of the World, and San Antonio’s historic yet steadily expanding military and healthcare center. The state blends economic scale with cultural significance, rooted in independence, entrepreneurship, and a strong sense of place — from Friday night football to world-renowned barbecue and music festivals. For homebuyers, Texas offers comparatively attainable housing, no personal income tax, and master-planned communities built around space and convenience; for investors, continued population growth, business relocation, and diversified industries create sustained demand across urban cores, suburbs, and emerging secondary markets.

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Population Growth

Population Growth

~1.3% annually

Net Migration

Net Migration

Positive

Median Home Price

Median Home Price

$283,800

Unemployment Rate

Unemployment Rate

4.3%

Price Trend

Price Trend

Flat

New Permits

New Permits

158,121

City: Commerce

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1312 Oneal St | Property Details | No Agent List