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106 Hutto St, Troup, TX, 75789

2beds
2baths
1,018sqft
$198,000
$194price/sqft
$1,614/moest. monthly cost
$64,560/yrincome needed

About This Home

Discover the perfect blend of modern efficiency and small-town charm at 106 Hutto Lane in Troup, Texas. This meticulously maintained, all-electric home offers 1,018 sq. ft. of thoughtfully designed living space, making it an ideal choice for those seeking quality and comfort. The heart of the home features an open-concept layout encompassing the living, dining, and kitchen areas. You’ll find high-end finishes throughout, including stunning granite countertops, custom cabinetry, and a sleek stainless steel appliance package featuring an electric range, microwave, and dishwasher. The interior is elevated by 6” base trim and a tasteful mix of vinyl plank, tile, and carpet flooring. Both bedrooms are well-appointed, complemented by two full bathrooms featuring elegant cultured marble vanities. Built with efficiency in mind, the home is equipped with batted and blown-in fiberglass insulation to keep utility costs low and comfort high. For added peace of mind, a full Global Alarm security system is already in place. The exterior is just as impressive as the interior. Enjoy effortless curb appeal with a fully landscaped yard, lush grass, established flower beds, and a built-in sprinkler system. The property also includes a concrete driveway leading to a single-car carport and integrated gutters. Located within the sought-after Troup ISD, this home provides the convenience of city living with City of Troup water, sewer, and trash services, along with reliable TXU electric. This is a turnkey opportunity to own a polished, move-in-ready home in a fantastic community.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Troup Elementary SchoolGrades PK-50.6 mi
6/10
Troup Middle SchoolGrades 6-81.3 mi
7/10
Troup High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Concrete Based Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven-Electric

Bathroom

  • Features: Shower/Tub

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Vaulted Ceiling(s)
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 1,018
  • Total interior livable area: 1,018 sqft

Kitchen

  • Features: Kitchen/Eating Combo

Property

Details

  • Parcel number: 112810000000001000
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Exterior features: Sprinkler System,Gutter(s)
  • Fencing: None

Lot

  • Features: Irregular Lot

Parking

  • Parking features: Garage Faces Front
  • Has garage: Yes
  • 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

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Heat Wave
Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters Across Texas Counties

Flood
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 $1,001$12,012
Home Insurance *$181$2,172
Property Taxes $194$2,328
Electricity $238$2,859
Total$1,614$19,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,337/yr
40% on housing$48,420/yr
45% on housing$43,040/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 75789$198
Smith County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 75789$173
Smith County$171

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
2026-05-06Price change$205,000
2026-02-18Listed for sale$210,000
2023-04-26Sold--
2023-03-23Pending sale$181,990
2023-03-14Listed for sale$181,990

For Sale by Agent

AgentMatt McKeethan
BrokerageXcel Properties

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