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513 W Texas St, Denison, TX, 75020

2beds
1baths
1,298sqft
$162,500
$125price/sqft
$1,540/moest. monthly cost
$61,600/yrincome needed

About This Home

This lovely 2-bedroom, 1-bathroom home offers comfortable living spaces and a fantastic outdoor area. Step inside to discover the warmth and character of original wood flooring flowing throughout the main living and dining areas. Open spaces provide flexibility in functionality and decorating, while fresh paint gives the home a bright, move-in ready feel. A flexible bonus room offers additional space that could easily function as a nursery, spacious walk-in closet, home office, or cozy reading nook. The large utility room provides ample space for laundry and storage. Situated on a generously sized lot, the property features a large, fully fenced backyard perfect for entertaining, gardening, or letting children and pets play. Enjoy relaxing on the inviting covered porch, plus convenient alley access. This home is a true gem, combining classic charm with functional living spaces and the rare opportunity for additional land in town. Don’t miss your chance to make it yours! The home on a single lot may also be purchased separately under MLS #21115917.

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

6/10
Lamar Elementary SchoolGrades PK-40.8 mi
5/10
Henry Scott MiddleGrades 7-80.6 mi
5/10
Denison High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Board & Batten Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Gas Water Heater,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup,Laundry in Utility Room,Other

Bedroom

  • Level: First
  • Dimensions: 10 x 13

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First
  • Dimensions: 10 x 13

Dining Room

  • Level: First
  • Dimensions: 11 x 14

Features

  • Built-in Features,Chandelier,Decorative/Designer Lighting Fixtures,Eat-in Kitchen,High Speed Internet,Paneling/Wainscoting,Cable TV,Natural Woodwork
  • Window features: Window Coverings
  • Flooring: Hardwood,Linoleum,Wood

Heating & Cooling

  • Heating features: Propane,Space Heater
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 1,298 sqft

Kitchen

  • Features: Breakfast Bar,Eat-in Kitchen
  • Level: First
  • Dimensions: 12 x 13

Living Room

  • Level: First
  • Dimensions: 13 x 15

Master Bathroom

  • Features: Built-in Features,Solid Surface Counters
  • Level: First
  • Dimensions: 7 x 9

Master Bedroom

  • Level: First
  • Dimensions: 12 x 11

Utility Room

  • Features: Utility Room
  • Level: First
  • Dimensions: 11 x 9

Property

Details

  • Parcel number: 147173
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Awning(s),Covered,Deck
  • Exterior features: Awning(s),Deck
  • Fencing: Chain Link

Lot

  • Lot size: 0.34 Acres
  • Features: Acreage,Cleared,Interior Lot,Few Trees
  • Lot size dimensions: 100 x 150

Parking

  • Parking features: Common

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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Hail
Ice Storm
Strong Wind

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 $821$9,852
Home Insurance *$173$2,076
Property Taxes $308$3,696
Electricity $238$2,859
Total$1,540$18,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,800/yr
40% on housing$46,200/yr
45% on housing$41,066/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

$125This 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
2026-05-13Price change$162,500
2026-04-13Price change$164,900
2025-11-18Listed for sale$168,500
2021-03-24Listing removed--
2019-09-18Listing removed$900
2019-09-11Listed for rent$900
2019-07-09Listing removed$850
2019-07-01Listed for rent$850
2012-03-16Sold--

For Sale by Agent

AgentCamey Turner
BrokeragePARAGON, REALTORS

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