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345 Elk Dr, Fate, TX, 75189

4beds
3baths
3,141sqft
$639,000
$203price/sqft
$4,650/moest. monthly cost
$186,000/yrincome needed

About This Home

Over $60K+ in high-end designer upgrades have transformed this property into a clean, modern, luxury living experience. From the moment you walk in, you feel the difference—white oak hardwood flooring runs throughout the entire home, replacing all carpet, paired with a fully repainted interior in a crisp, timeless white palette. The staircase has been elevated into a statement piece with custom LED motion lighting, while five thoughtfully designed accent walls add depth and character across the main living areas, including the great room, staircase, and media space. The kitchen has been completely reimagined with custom-painted cabinetry inside and out, upgraded with premium Jeffrey Alexander hardware, and anchored by high-end GE Café appliances, including a matching white refrigerator—blending function with a refined, cohesive aesthetic. Bathrooms have been taken to the next level with two fully remodeled spaces featuring marble and porcelain finishes, custom glass-enclosed showers, upgraded hardware, and LED-lit vanity mirrors that deliver a true spa-like feel. Every detail was considered—brand new designer light fixtures, custom chandeliers, and high-end Ferguson ceiling fans have been installed throughout the entire home, creating a consistent elevated finish from room to room. To complete the experience, custom roller shades have been installed throughout, with blackout options in bedrooms and light-filtering shades in main living areas for both comfort and privacy.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
7/10

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Cooktop,Disposal,Microwave,Tankless Water Heater,Vented Exhaust Fan

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Family Room

  • Features: Fireplace
  • Level: First
  • Dimensions: 19 x 15

Features

  • Decorative/Designer Lighting Fixtures,High Speed Internet,Open Floorplan,Cable TV,Vaulted Ceiling(s)
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas Log,Gas Starter,Stone
  • Fireplace: Yes

Game Room

  • Level: Second
  • Dimensions: 20 x 15

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,141 sqft

Kitchen

  • Features: Kitchen Island,Solid Surface Counters,Walk-In Pantry
  • Level: First
  • Dimensions: 15 x 10

Living Room

  • Level: First
  • Dimensions: 10 x 10

Master Bedroom

  • Features: Dual Sinks,Double Vanity,En Suite Bathroom,Garden Tub/Roman Tub,Sitting Area in Primary,Separate Shower,Walk-In Closet(s)
  • Level: First
  • Dimensions: 17 x 15

Media Room

  • Level: Second
  • Dimensions: 17 x 15

Other

  • Level: First
  • Dimensions: 12 x 10

Property

Details

  • Parcel number: 000000118320

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Rain Gutters
  • Fencing: Wood

Lot

  • Lot size: 8,276 sqft
  • Features: Back Yard,Lawn,Landscaped,Subdivision,Sprinkler System
  • Lot size dimensions: 60 x 138

Parking

  • Total spaces: 2
  • Parking features: Door-Multi,Garage Faces Front,Garage,Garage Door Opener,Kitchen Level
  • 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

  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Heat Wave
Tornado
Cold Wave
Hail
Strong Wind

FEMA Declared Disasters Across Texas Counties

Severe 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 $3,231$38,772
Home Insurance *$411$4,932
Property Taxes $664$7,968
Electricity $344$4,138
Total$4,650$55,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,428/yr
40% on housing$139,500/yr
45% on housing$124,000/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 75189$187
Rockwall County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 75189$152
Rockwall County$170

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
2026-08-07Price change$629,000
2026-07-03Price change$639,000
2026-05-29Listed for sale$649,000
2026-04-09Listing removed$695,000
2026-03-24Listed for sale$695,000
2024-07-17Sold--
2024-06-14Pending sale$618,568
2024-06-05Price change$618,568
2024-03-20Price change$624,568
2023-11-02Price change$631,589
2023-09-07Price change$636,589
2023-06-21Price change$646,589
2023-05-02Listed for sale$667,589

For Sale by Agent

AgentArmando Nava
BrokerageNava Realty Group

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