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450 Pennington St, Lovelady, TX, 75851

5beds
3baths
2,752sqft
$375,000
$136price/sqft
$3,003/moest. monthly cost
$120,120/yrincome needed

About This Home

Welcome to Lovelady, Texas, where country living meets comfort and functionality. This spacious 5-bedroom, 3-bathroom home offers a practical layout with plenty of room for family, guests, and entertaining. A large 3-car carport and covered front entry provide a warm welcome as you arrive. Inside, the open-concept living, dining, and kitchen areas create the heart of the home. The living room features a beautiful brick gas log fireplace, while the kitchen is equipped with granite countertops, stainless steel appliances, an electric range, tile flooring, and a breakfast area for casual dining. The home's layout offers both space and privacy. Three guest bedrooms and a hall bath are located on one side of the home, while two additional bedrooms provide flexibility for guests, a home office, or hobby space. The primary suite features a wood-burning fireplace, soaking tub, walk-in shower, and separate his-and-hers closets. A second guest bath and dedicated laundry room with farmhouse sink add convenience. Durable vinyl flooring runs throughout much of the home for easy maintenance. Outside, enjoy the covered back patio, perfect for entertaining, grilling, or relaxing while taking in peaceful East Texas evenings. The property also includes a productive garden area, offering the opportunity to enjoy a true country lifestyle. With generous living spaces, a functional floor plan, and outdoor amenities designed for both enjoyment and practicality, this Lovelady property is ready to welcome its next owners home.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Electric Cooktop

Bathroom

  • Features: Shower Only,Shower/Tub

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s)
  • Flooring: Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: One Wood Burning,Two or More,Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central/Gas
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 2,752
  • Total interior livable area: 2,752 sqft

Kitchen

  • Features: Kitchen/Eating Combo

Master Bedroom

  • Features: Master Bedroom Split

Property

Details

  • Parcel number: 056000123000000000000
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: None

Lot

  • Lot size: 0.42 Acres

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
    LightningVery High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Heat Wave
Strong Wind
Tornado
Drought
Hurricane
Ice Storm
Wildfire
Winter Weather

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
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 $1,896$22,752
Home Insurance *$571$6,852
Property Taxes $234$2,808
Electricity $302$3,626
Total$3,003$36,036
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,960/yr
40% on housing$90,090/yr
45% on housing$80,080/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: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.8%
-5.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 75851$141
Houston County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 75851
Houston County$117

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)

Price History

DateEventPrice
2026-08-17Price change$365,000
2026-07-10Price change$375,000
2026-06-09Listed for sale$385,000
2022-02-01Listing removed--
2021-12-06Pending sale$287,000
2021-07-19Price change$287,000
2021-04-29Listed for sale$299,000

For Sale by Agent

AgentNancy Lawrence
BrokerageLawrence Realty

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