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108 N Branch St, Bells, TX, 75414

1beds
1baths
624sqft
$124,999
$200price/sqft
$1,110/moest. monthly cost
$44,400/yrincome needed

About This Home

FIXER UPPER ON A CORNER LOT! Charming home in Bells, TX! Situated on a spacious corner lot with attached covered parking, this home offers proximity to major roads for ease of travel and is under 2 hours drive to Dallas, Texas. WE MAKE IT EASY TO OWN. This is a great opportunity! Don't wait, call us today to get more information on the owner's easy terms and smooth process that may be able to put the deed in your name and market this your dream property.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
Bells Elementary SchoolGrades PK-51.9 mi
9/10
5/10
Bells High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Other
  • Roof: Other
  • Construction materials: Other

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Other
  • Cooling features: Other

Interior Area

  • Total structure area: 624
  • Total interior livable area: 624 sqft

Property

Details

  • Parcel number: 138272

Features

  • Stories: 1

Lot

  • Lot size: 9,121 sqft
  • Features: Other,0 Up To 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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 WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Ice Storm
Tornado
Hail
Inland Flooding
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 $632$7,584
Home Insurance *$112$1,344
Property Taxes $128$1,536
Electricity $238$2,859
Total$1,110$13,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,057/yr
40% on housing$33,300/yr
45% on housing$29,600/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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 75414$83
Grayson County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 75414$165
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)

No zestimate history available

Price History

DateEventPrice
2025-03-07Listed for sale$124,999

For Sale by Agent

AgentChet Polniazek
Brokerage1st Texas Realty Services

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