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244 Smith Cir, Pt, TX, 75472

2beds
2baths
980sqft
$145,000
$148price/sqft
$1,206/moest. monthly cost
$48,240/yrincome needed

About This Home

Well-kept 2-bedroom, 2-bath mobile home on a spacious and cleared 0.54-acre lot in Point, TX. This property has seen several valuable updates in 2024, including a new roof, new siding, new windows, and fresh paint inside and out, making it move-in ready with modernized appeal. A standout feature is the unfinished rear guest house offering 1 bedroom and 1 bathroom, with much of the heavy lifting already completed. Exterior work is done, and the interior already includes electrical, plumbing, insulation, flooring, and completed tub tile in the bathroom. Only final cosmetic touches remain, presenting an excellent opportunity to customize and add value. Perfect rental income potential for an investor. Located close to City Hall, USPS, and local shopping, this property combines convenience, flexibility, and potential in one package. A great option for homeowners or investors seeking extra space and future upside.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

--
Rains Elementary SchoolGrades PK-24.8 mi
6/10
Rains Junior High SchoolGrades 6-84.9 mi
4/10
Rains High SchoolGrades 9-125.0 mi

Construction

Condition

  • Year built: 2012

Materials

  • Foundation: Block
  • Roof: Metal

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Traditional,Mobile Home
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater,Microwave

Bedroom

  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 0 x 0

Features

  • Granite Counters,Cable TV
  • Flooring: Linoleum

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Ceiling Fan(s),Electric,Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 980 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: R31309

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Covered
  • Fencing: Gate,Metal
  • Residential vegetation: Cleared

Lot

  • Lot size: 0.54 Acres
  • Features: Acreage

Parking

  • Parking features: Gravel

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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Tornado
Cold Wave
Heat Wave
Lightning
Strong Wind
Hail
Inland Flooding
Winter Weather

FEMA Declared Disasters Across Texas Counties

Severe 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 $733$8,796
Home Insurance *$69$828
Property Taxes $166$1,992
Electricity $238$2,859
Total$1,206$14,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,348/yr
40% on housing$36,180/yr
45% on housing$32,160/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: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 75472$121
Rains County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 75472
Rains County$262

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
2026-06-02Price change$145,000
2026-03-20Price change$175,000
2026-03-05Listed for sale$199,999

For Sale by Agent

AgentSayd Maya
BrokerageFathom Realty, LLC

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