24014 Spring Oak Dr, Spring, TX 77373
Analyzed
Call Notes
Seller
NameJoyce Smith
Phone(832) 613-7981
Emails.thomassmith@aol.com
Timelineasap
Reason for sellingother
Legal owner statusyes-owner
Property
Typesingle-family
Conditionfair
CountyHarris
Valuation
ARV$294,000
Equity$172,389 (59.0%)
Mortgage balance (est.)$121,611 (22.1% of original loan paid off)
Monthly mortgage payment$701
Monthly HOA$18
Original loan amount$156,170
Involuntary liens⚠️ $1,305 (1)
Owner of recordSMITH JOYCE N
Owner match✓ Matches lead
Mortgage balance is PropStream's amortization estimate from the original loan's recorded terms — not a live servicer balance. It won't reflect a refinance, cash-out, or ARM rate reset since origination; verify with the seller directly when it matters.
Maximum Allowable Offer (% of ARV)
70%$205,800
60%$176,400
50%$147,000
Pitch the Offer
ARV$
Market discount%−$44,100
Realtor fee%−$17,640
Closing costs%−$11,760
Rehab reserve$
Interest rate%−$2,128 / 6momanually entered rate
Insurance (annual, % of ARV)%−$1,470 / 6mo
Annual property taxes$−$2,719 / 6mo
Net before mortgage payoff$208,303
Mortgage payoff$defaults to the seller-reported balance above, or PropStream's estimate if none is set
Net offer$86,692
Every number above is editable — type over any default and Net Offer recalculates instantly; click Save pitch numbers to keep your edits for next time. The 6-mo carry cost charges interest only, not principal — the mortgage payoff already accounts for the principal, so charging 6 months of principal reduction on top of that would double-count it.