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432 Cold Mountain Trl, Fort Worth, TX, 76131

3beds
2baths
1,851sqft
$315,000
$170price/sqft
$2,447/moest. monthly cost
$97,880/yrincome needed

About This Home

Step into this inviting 3-bedroom, 2-bath home where thoughtful design and modern comfort come together. Wood flooring, stone countertops, and neutral paint colors create a clean, timeless backdrop throughout the main living spaces. A striking stone fireplace anchors the living room, adding warmth and character. A versatile flex space offers endless possibilities—perfect for a dedicated home office, second living area, or even a 4th bedroom depending on your needs. The split-bedroom layout provides privacy, with the primary suite tucked away for a quiet retreat. The spacious primary bathroom features double sinks, a relaxing garden tub, a separate shower, and a large walk-in closet. Additional features include a tankless water heater for efficiency and comfort. Step outside to a covered patio ideal for morning coffee or evening gatherings. With its flexible floorplan, stylish finishes, and comfortable outdoor living, this home is ready to welcome its next owner.

Getting Around

6
WalkingCar-Dependent
0
TransitNo Nearby Transit
27
BikeSomewhat Bikeable

Schools

3/10
4/10

Construction

Condition

  • Year built: 2017

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Range,Microwave

Bedroom

  • Level: First
  • Dimensions: 13 x 10

Bedroom

  • Level: First
  • Dimensions: 13 x 15

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 10 x 9

Features

  • Decorative/Designer Lighting Fixtures,High Speed Internet,Kitchen Island,Cable TV,Walk-In Closet(s)
  • Window features: Window Coverings
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Stone
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 1,851 sqft

Kitchen

  • Features: Breakfast Bar,Built-in Features,Kitchen Island,Pantry,Stone Counters
  • Level: First
  • Dimensions: 14 x 17

Living Room

  • Features: Fireplace
  • Level: First
  • Dimensions: 18 x 15

Master Bathroom

  • Features: Built-in Features,Dual Sinks,En Suite Bathroom,Garden Tub/Roman Tub,Linen Closet,Separate Shower
  • Level: First
  • Dimensions: 13 x 10

Master Bedroom

  • Level: First
  • Dimensions: 15 x 13

Office

  • Level: First
  • Dimensions: 12 x 9

Other

  • Features: Built-in Features
  • Level: First
  • Dimensions: 6 x 10

Utility Room

  • Level: First
  • Dimensions: 6 x 5

Property

Details

  • Parcel number: 42157194

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Community
  • Patio & porch: Covered
  • Fencing: Wood
  • Residential vegetation: Grassed

Lot

  • Lot size: 6,621 sqft
  • Features: Irregular Lot,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage
  • 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

  • Hail
    HailVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Tornado
Heat Wave
Inland Flooding
Cold Wave
Ice Storm
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 $1,592$19,104
Home Insurance *$220$2,640
Property Taxes $397$4,764
Electricity $238$2,859
Total$2,447$29,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,897/yr
40% on housing$73,410/yr
45% on housing$65,253/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: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 76131$153
Tarrant County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 76131$168
Tarrant County$178

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
2026-05-10Price change$327,500
2026-04-11Listed for sale$330,000
2016-07-22Sold--

For Sale by Agent

AgentMisti Cross
BrokerageCENTURY 21 Judge Fite

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