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1345 Harpers Mill Rd, Stephenville, TX, 76401

4beds
2baths
1,822sqft
$379,000
$208price/sqft
$2,913/moest. monthly cost
$116,520/yrincome needed

About This Home

Set in an established neighborhood just minutes from shopping, dining, schools, and Tarleton State University, this 4 bedroom home offers the kind of flexibility that fits every stage of life. Inside 1,822 square feet unfold through an open-concept floor plan where vaulted ceilings, a wood-burning fireplace, and abundant natural light create comfortable gathering spaces. The kitchen is designed for everyday living and a large center island that naturally becomes the heart of the home. Three additional bedrooms offer space for family, guests, a home office, or hobbies, making the layout as versatile as it is functional. Outside, a patio overlooks a generously sized, fully fenced backyard with mature shade trees and plenty of room to play, garden, or enjoy evenings outdoors. Whether you're searching for a place to put down roots or looking to expand your investment portfolio, this home's 4 bedroom layout and convenient location near Tarleton State University create lasting appeal. Stephenville continues to grow as one of Texas' most vibrant college communities, making properties with this combination of space and location increasingly desirable.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

--
Central Elementary SchoolGrades PK-K1.0 mi
9/10
6/10
Stephenville High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 2011

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Detached
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Washer

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 10 x 11

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 11 x 10

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 10 x 10

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Double Vanity,High Speed Internet,Kitchen Island,Open Floorplan,Cable TV,Walk-In Closet(s)
  • Flooring: Concrete,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,822 sqft

Living Room

  • Features: Fireplace
  • Level: First
  • Dimensions: 17 x 14

Master Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 14 x 13

Property

Details

  • Parcel number: R000073472
  • Exclusions: All personal belongings.

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Rear Porch,Front Porch

Lot

  • Lot size: 0.36 Acres

Parking

  • Total spaces: 2
  • Parking features: Concrete,Direct Access,Garage Faces Front,Garage,Garage Door Opener,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Strong Wind
Wildfire
Winter Weather

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,916$22,992
Home Insurance *$344$4,128
Property Taxes $415$4,980
Electricity $238$2,859
Total$2,913$34,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,874/yr
40% on housing$87,390/yr
45% on housing$77,680/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 76401$298
Erath County$316

vs Homes Sold Last Month

Median $/sqft

ZIP 76401$192
Erath County$201

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$379,000
2026-08-09Contingent$379,000
2026-08-02Price change$379,000
2026-07-14Listed for sale$389,000

For Sale by Agent

AgentRiley Fountain
BrokerageLuxe West Realty

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