See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

303 Celtic Rd, Howe, TX, 75459

3beds
4baths
2,706sqft
$1,299,900
$480price/sqft
$8,097/moest. monthly cost
$323,880/yrincome needed

About This Home

Experience the perfect blend of privacy, functionality, and country charm on this beautiful 23.1-acre Ag-exempt ranch. A picturesque tree-lined entrance welcomes you onto the property, where mature trees, and expansive grazing pastures create a truly scenic setting. Tucked away from the road and surrounded by nature, the home enjoys exceptional privacy while offering peaceful views in every direction. Built in 2005, this 2,706-square-foot home features 3 bedrooms, 2 full bathrooms, 1 half bath inside the home, and an additional half bath in the garage—ideal for cleaning up after working outdoors or tending livestock. Upstairs, you'll find a spacious bonus room that can serve as a home office, game room, media room, or flex space to fit your needs. Fresh interior paint, a stunning Austin stone fireplace, and a beautiful Austin stone island highlight the inviting interior. The exterior features a timeless combination of brick and Austin stone construction, along with a security system for added peace of mind. The land is fully fenced and cross-fenced with cattle guards, water lines running to livestock troughs, and large open grazing fields. Mature shade trees, rolling terrain, and three beautiful magnolia trees create a picturesque setting for livestock, horses, or simply enjoying the outdoors. Additional improvements include a sprinkler system servicing both the front and back yards and a roof that is only two years old. The shop is equipped with electricity, has a roll-up door, and a finished room with and a full bathroom, and covered exterior storage. Three large chicken coops add even more versatility for hobby farming, livestock, or agricultural use. Mineral rights are available with an acceptable offer. Whether you're seeking a working ranch, horse property, or private country retreat, this exceptional property offers the perfect combination of comfort, functionality, and North Texas country living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

5/10
Howe Intermediate SchoolGrades 3-53.5 mi
7/10
Howe Middle SchoolGrades 6-83.5 mi
7/10
Howe High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Rock,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Disposal,Gas Water Heater,Microwave,Vented Exhaust Fan
  • Laundry features: Washer Hookup,Dryer Hookup,ElectricDryer Hookup,Laundry in Utility Room

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Built-in Features,Cathedral Ceiling(s),Eat-in Kitchen,High Speed Internet,Open Floorplan,Pantry,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Blower Fan,Decorative,Living Room,Stone,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Fireplace(s)
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total interior livable area: 2,706 sqft

Living Room

  • Features: Built-in Features,Ceiling Fan(s),Fireplace
  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Features: Ceiling Fan(s),Dual Sinks,En Suite Bathroom,Jetted Tub,Separate Shower,Walk-In Closet(s)
  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 130570
  • Attached to another structure: Yes

Features

  • Levels: One and One Half
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Private Entrance,Rain Gutters,RV Hookup,Storage
  • Fencing: Barbed Wire,Cross Fenced,Fenced,Full,Gate
  • Residential vegetation: Partially Wooded

Lot

  • Lot size: 23.10 Acres
  • Features: Acreage,Agricultural,Pasture,Many Trees,Sprinkler System

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Concrete,Garage,Garage Door Opener,Gravel,Garage Faces Side
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Ice Storm
Lightning
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 $6,573$78,876
Home Insurance *$1,160$13,920
Property Taxes $67$804
Electricity $297$3,565
Total$8,097$97,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$277,611/yr
40% on housing$242,910/yr
45% on housing$215,920/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: 4.0%
4.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$480This listing

vs Other Active Listings

Avg $/sqft

ZIP 75459$174
Grayson County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 75459$142
Grayson County$164

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
2026-07-28Price change$1,299,900
2026-06-29Listed for sale$1,349,900

For Sale by Agent

AgentDana Thornhill
BrokerageKeller Williams Frisco Stars

Similar Homes