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$230,000

NAL Estimated Property Value

5109 J I Bruce Dr, Temple, TX, 76502

Off MarketInfo
Beds3 Beds
Baths2 Bath
Baths1,479 Sq Ft
Single Family ResidenceSingle Family Residence
price_per_sqft$155.17 / sqft
Year BuiltBuilt in 1998

Property Lead Type:

Off-Market ListAbsentee OwnerVacant HomesMove-In Ready

Highlights

Interior

Bedrooms 3Bedrooms 3
Bathrooms Full 2Bathrooms Full 2
Indoor FireplaceIndoor Fireplace
Garage AvailableGarage Available
Heating CentralHeating Central
AppliancesDishwasher, Electric Cooktop, Electric Range, Electric Water Heater, Microwave, Oven, Water Heater
FlooringLaminate, Tile

Exterior

Lot Size5,798 sqft

Building Information

Year Built1998
Stories1
Roof Type105
Garage Spaces2

Land Information

APN171504
Lot Number15
SubdivisionThe Commons Of Waterford Park
Land UseResidential
Legal DescriptionTHE COMMONS OF WATERFORD PARK, BLOCK 001, LOT 0015
Census Tract021301
Assessed Land Value$42,000
Assessed Improvement Value$188,000
Assessment Year2025

About this property

Location! Location! Location! You don’t want to miss this beautifully updated home, which perfectly blends modern design and comfort. The open floor plan is great for entertaining and is enhanced by contemporary light fixtures with energy-efficient LED lighting throughout. Overlooking the dining and living room, the recently renovated kitchen is a chef’s dream, boasting sleek black appliances, stunning 3cm granite countertops, and a tile mosaic backsplash that adds a touch of elegance. The wood-burning fireplace and a new modern ceiling fan in the living room will keep your family comfortable all year long. Other recent updates include a BRAND NEW ROOF (2024), a new hot water heater (2023), and fresh interior paint. The spacious primary bedroom provides a peaceful retreat, complete with an ensuite bath featuring a separate bathtub and shower, dual vanities, and a large walk-in closet. The secondary bedrooms share a well-appointed full bathroom. All bedrooms have ceiling fans and wood-look flooring—no carpet! Enjoy the convenience of an attached 2-car garage and a private, fenced backyard—perfect for relaxation or outdoor gatherings. Every window is fitted with solar screens to enhance energy efficiency while maintaining a clean, modern look. Located just off 31st Street in the desirable Commons at Waterford, this home offers the perfect balance of quiet, tree-lined streets and close proximity to major amenities. You’ll be minutes from I-35, Baylor Scott and White, and various dining and shopping options. Plus, nearby parks offer even more outdoor enjoyment. Don’t miss out on this exceptional home—schedule a tour today and see why it’s the perfect place to call home in Temple!

Investor Tools

Property Icon
$230,000
Estimated Property Value
$169,204Estimated Mortgage Balance
$60,796Estimated Equity
26% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$1,380 /month
Positive
Cash Flow Estimate:
$460 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$573/month
No HOA
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$5,729
$230,000
2025
$42,000
$188,000
$230,000
No

Tax History

Year
Tax Paid
Assessed Value
2024
$5,729
$230,000

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
First Central Savings Bank
Conventional
$172,500
No
First
Apr 28, 2025
May 2055

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$169,204
$60,796
26%
74%
$1,035/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: Temple

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5109 J I Bruce Dr | Property Details | No Agent List