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404 S Pecan St, Bells, TX, 75414

2beds
1baths
1,037sqft
$219,000
$211price/sqft
$1,765/moest. monthly cost
$70,600/yrincome needed

About This Home

Charming and completely modernized 2-bedroom, 1-bathroom home ready for its new owners. Step inside to discover a bright, updated interior featuring continuous dark wood-style flooring, elegant arched doorways, and fresh, neutral paint throughout. The stunning kitchen boasts white shaker-style cabinets, striking dark granite countertops, a custom tile backsplash, and stainless steel appliances, all highlighted by a sleek glass canopy vent hood. The bathroom has been tastefully remodeled to include a stylish marble-look tile shower surround and a modern vanity. Outside, the property offers fantastic versatility. Just steps from the back door is a detached bonus building serving as a dedicated laundry and utility room. This highly functional space is equipped with double doors, washer and dryer hookups, and a newly installed mini-split heating and cooling system. The spacious, deep backyard is perfect for entertaining, featuring a wooden deck, a custom stone patio area, and an additional outbuilding for ample storage or a workshop. Complete with an inviting covered front porch, mature trees, and a fresh exterior, this Texoma gem is a must-see property.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Bells Elementary SchoolGrades PK-52.2 mi
9/10
5/10
Bells High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1956

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Other

Interior Area

  • Total interior livable area: 1,037 sqft

Living Room

  • Level: First
  • Dimensions: 1 x 1

Master Bedroom

  • Level: First
  • Dimensions: 1 x 1

Property

Details

  • Parcel number: 138575

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 0.28 Acres

Parking

  • Parking features: Other

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 $1,107$13,284
Home Insurance *$196$2,352
Property Taxes $224$2,688
Electricity $238$2,859
Total$1,765$21,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,514/yr
40% on housing$52,950/yr
45% on housing$47,066/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

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 75414$75
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)

Price History

DateEventPrice
2026-04-16Price change$222,000
2026-03-07Listed for sale$227,000
2019-10-25Sold--
2019-09-29Pending sale$110,000
2019-09-02Listed for sale$110,000

For Sale by Agent

AgentBrad Rawlins
BrokerageTexoma Equity

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