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$220,000

NAL Estimated Property Value

3923 River Oaks Cir, Temple, TX, 76504

Off MarketInfo
Beds2 Beds
Baths2 Bath
Baths1,397 Sq Ft
price_per_sqft$157.41 / sqft
Year BuiltBuilt in 1986

Property Lead Type:

Absentee OwnerHigh Equity

Highlights

Interior

Bedrooms 2Bedrooms 2
Bathrooms Full 2Bathrooms Full 2
Indoor FireplaceIndoor Fireplace
Garage AvailableGarage Available
Heating CentralHeating Central
CoolingCooling
AppliancesDishwasher, Electric Range, Refrigerator, Water Heater, Some Electric Appliances, Range
FlooringCarpet, Linoleum, Tile

Exterior

Private PoolPrivate Pool
Exterior FeaturesDeck, Storage
Lot Size9,435 sqft

Building Information

Year Built1986
Stories1
Roof Type105
Garage Spaces2

Land Information

APN51133
Lot Number8
SubdivisionThe Oaks
Land UseResidential
Legal DescriptionTHE OAKS, BLOCK 001, LOT 0008
Census Tract021202
Assessed Land Value$34,500
Assessed Improvement Value$129,609
Assessment Year2025

About this property

Welcome to this charming garden home in Temple, offering a low-maintenance lifestyle with space, privacy, and thoughtful features throughout. With two bedrooms and two full bathrooms, this home is perfectly sized while still providing a large living area ideal for relaxing or entertaining. Storage is a standout feature here, including ample closet space and a cedar closet—perfect for seasonal items and organization. The layout flows easily, making everyday living feel comfortable and functional. Step outside to enjoy the peaceful setting as the home backs to a wet-weather creek, providing added privacy and a natural backdrop. Residents also enjoy access to a community pool, adding to the ease and appeal of garden-style living. This Temple garden home offers comfort, convenience, and a serene setting in one welcoming package!

Investor Tools

Property Icon
$220,000
Estimated Property Value
$269,692Estimated Mortgage Balance
$0Estimated Equity
0% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$1,320 /month
Positive
Cash Flow Estimate:
$440 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$409/month
$800/month
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$3,805
$164,109
2025
$34,500
$129,609
$164,109
No

Tax History

Year
Tax Paid
Assessed Value
2024
$3,805
$164,109

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
Fairway Independent Mortgage Corp
Fha
$124,699
Yes
First
Dec 20, 2019
Jan 2050

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$269,692
N/A
0%
123%
$1,817/mo

Rental Potential

Est. Monthly Rent
Est. Monthly Expenses
Est. Cash Flow
Gross Yield
$1,050/mo
$2,617/mo
$-1,567/mo
5.7%

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: Temple

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3923 River Oaks Cir | Property Details | No Agent List