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1322 W Chestnut St, Denison, TX, 75020

2beds
1baths
954sqft
$152,000
$159price/sqft
$1,296/moest. monthly cost
$51,840/yrincome needed

About This Home

Charming 2-bedroom, 1-bath home full of character and natural light! Featuring tall ceilings and spacious living areas, this home offers a bright and inviting atmosphere throughout. The large unfinished basement provides endless possibilities for storage, a workshop, or future expansion. Step outside to enjoy the beautiful oversized backyard — perfect for entertaining, gardening, or relaxing evenings at home. Conveniently located just minutes from downtown Denison, shopping, dining, and local entertainment. A wonderful opportunity to own a home with charm, space, and potential!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

3/10
Houston Elementary SchoolGrades PK-40.3 mi
5/10
Henry Scott MiddleGrades 7-81.5 mi
5/10
Denison High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1950

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Other

Interior Area

  • Total interior livable area: 954 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 143792

Features

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

Lot

  • Lot size: 6,011 sqft

Parking

  • Parking features: On Street

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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Ice Storm

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 $768$9,216
Home Insurance *$162$1,944
Property Taxes $128$1,536
Electricity $238$2,859
Total$1,296$15,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,434/yr
40% on housing$38,880/yr
45% on housing$34,560/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

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 75020$118
Grayson County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 75020$156
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
2026-05-25Listed for sale$152,000
2010-10-11Sold--

For Sale by Agent

AgentKaylee Wood
BrokerageeXp Realty LLC

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