904 N 20th St

Mcallen, Texas, 78501

Redeemable DeedpendingSells Aug 4, 2026 · 65 days ago

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SqFt: 0
Lot Size: 7,044
APN: H0500-00-001-0009-00

Property Type: Land
Distressed: No
Vacant: Yes
Owner Type: Individual
County: Hidalgo

Value

Estimated Value: $138,000
County Market Value: $59,850; 2024
Assessed Value: $59,850; 2025

Mortgage & Debt

Open Mortgages: 0
Estimated Balance: $0
Lien Flags: None recorded; RealEstateAPI flags · not a lien search
Tax Delinquent Since: 2016

Opportunity

Opening Bid: $30,218
Bid / Value: 22%; of $138,000
Property Tax 2024: $1,224; annual bill · not the amount owed
Equity (est.): $138,000; 100%

Opening bid

$30,218

Assessed value

$59,850

Land $59,850Improvement $0

Market / AVM

$138,000

Property tax 2024

$1,224

Annual bill — the sale list gives no amount owed

Case number T-1302-19-G

Property facts enriched via realestateapi · 8/25/2026

Ownership Information

Owner 1 Name: Odilon Gutierrez
Mailing Address: 904 N 20th St, Mcallen, TX 78501
Owner Type: Individual
Corporate Owned: No

Land/Location Information

APN: H0500-00-001-0009-00
Property Class

Deal analysis

Your maximum bid

$80,311

Walk away above this. Projected profit at the ceiling: $41,400 (30% of ARV).

Opening bid $30,218

Room to bid $50,093

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$47,043

Under max by $33,269

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for TX|Redeemable Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $138,000. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $138,000
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$11,040
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical TX range ($1,800–$5,000, ~5 months).: −$3,400
Deed recording and transferassumed Typical TX recording and deed issuance cost.: −$400
Holding costs (7 months)assumed Taxes, insurance, and securing the property at ~$207/month.: −$1,449
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$41,400
Maximum bid: $80,311

If the owner redeems

Flat penalty

25%

You'd receive

$20,078

Window

730 days

A 25% flat penalty applies if the owner redeems. It is a penalty, not annual interest — the rate does not change with how early they redeem.

homestead and agricultural-use property (2 years); all other property is 180 days

Quoted elsewhere as 51% annualised — true only if they redeem on the last possible day and you immediately redeploy the capital. Treat the flat penalty as the real number.

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. The 180-day vs 2-year window turns on the property's use at the time of sale, which the sale list does not state — treat any homestead-looking residential parcel as potentially 2-year.

904 N 20th St

Value

Mortgage & Debt

Opportunity

Ownership Information

Land/Location Information

904 N 20th St

Value

Mortgage & Debt

Opportunity

Ownership Information

Land/Location Information

Legal Description

Tax Assessment Information

Distress Flags

Area

Fair Market Rents

Tax Assessment Information

County records

Hidalgo County rules

Historical comps

Verify before you bid