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

904 W Shepherd St, Denison, TX, 75020

2beds
1baths
1,246sqft
$120,000
$96price/sqft
$1,055/moest. monthly cost
$42,200/yrincome needed

About This Home

2 bedroom, 1 bath Craftsman-style home built in 1924. This property features original character and a functional layout, ready for updates and personal touches. Located in Denison, Grayson County, just 75 miles north of Dallas and only a few miles from the Texas–Oklahoma border. The home benefits from Denison’s small-town charm, historic streets, easy access to downtown shopping, dining & entertainment, and proximity to Lake Texoma recreation. This property also includes a cellar with exterior access, providing extra storage or storm shelter potential. Great opportunity for those looking to renovate or restore a classic home in a desirable North Texas community.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

2/10
Houston Elementary SchoolGrades PK-40.2 mi
5/10
Henry Scott MiddleGrades 7-80.9 mi
5/10
Denison High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1924

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator,Washer
  • Laundry features: Washer Hookup,Dryer Hookup

Bedroom

  • Level: First
  • Dimensions: 10 x 11

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 15 x 15

Features

  • Other
  • Window features: Bay Window(s)
  • Flooring: Carpet,Hardwood,Laminate

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,246 sqft

Living Room

  • Level: First
  • Dimensions: 15 x 16

Master Bedroom

  • Level: First
  • Dimensions: 15 x 15

Property

Details

  • Parcel number: 145553
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Front Porch
  • Fencing: Back Yard,Chain Link,Fenced

Lot

  • Lot size: 7,501 sqft

Parking

  • Parking features: Additional Parking,Alley Access,On Street
  • Has uncovered spaces: Yes

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 WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm
Tornado

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 $606$7,272
Home Insurance *$128$1,536
Property Taxes $83$996
Electricity $238$2,859
Total$1,055$12,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,171/yr
40% on housing$31,650/yr
45% on housing$28,133/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

$96This 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)

No zestimate history available

Price History

DateEventPrice
2026-04-22Listed for sale$125,000
2026-04-17Contingent$125,000
2026-03-09Price change$125,000
2025-11-14Price change$148,000
2025-09-19Listed for sale$150,000
2025-04-11Listing removed$190,000
2025-03-01Price change$190,000
2024-11-08Listed for sale$199,900
2022-05-02Sold--
2022-04-13Pending sale$185,000
2022-04-09Contingent$185,000
2022-03-29Listed for sale$185,000
2019-11-06Listing removed$102,000
2019-09-26Pending sale$102,000
2019-08-19Price change$102,000
2019-08-06Price change$107,500
2019-07-15Listed for sale$107,900
2019-07-13Pending sale$107,900
2019-06-03Price change$107,900
2019-05-03Listed for sale$114,500

For Sale by Agent

AgentStacy Hill
BrokerageRE/MAX Signature Properties

Similar Homes