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

148 Mill St, Emory, TX, 75440

2beds
2baths
1,214sqft
$285,000
$235price/sqft
$2,127/moest. monthly cost
$85,080/yrincome needed

About This Home

Bright, Clean and Move in Ready. Open floor plan, beautiful cabinet work and counter tops. Fenced back yard and a side yard big enough for you to build a garage or shop building. Easy access to Schools, Shopping, just minutes from Lake Fork, or Lake Tawakoni and with Seller Financing available you can be ready to move in quickly. Buyer responsible for new survey and title policy if they require one. Seller will Finance with 10% Down, 7% interest for up to 30 years.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
6/10
Rains Junior High SchoolGrades 6-82.8 mi
4/10
Rains High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Disposal,Microwave,Refrigerator

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

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

Features

  • Decorative/Designer Lighting Fixtures,Eat-in Kitchen,Granite Counters,High Speed Internet,Open Floorplan
  • Flooring: Carpet,Ceramic Tile,Laminate

Half Bath

  • Features: Granite Counters
  • Level: First
  • Dimensions: 0 x 0

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,214 sqft

Kitchen

  • Features: Built-in Features,Granite Counters
  • Level: First
  • Dimensions: 0 x 0

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Other

  • Features: Built-in Features,Granite Counters
  • Level: First
  • Dimensions: 0 x 0

Utility Room

  • Features: Built-in Features
  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 21116
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Back Yard,Chain Link
  • Residential vegetation: Grassed

Lot

  • Lot size: 0.35 Acres
  • Features: Interior Lot,Subdivision

Parking

  • Total spaces: 1
  • Parking features: Attached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Tornado
Cold Wave
Hail
Heat Wave
Lightning
Strong Wind
Inland Flooding
Winter Weather

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 $1,441$17,292
Home Insurance *$146$1,752
Property Taxes $302$3,624
Electricity $238$2,859
Total$2,127$25,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,925/yr
40% on housing$63,810/yr
45% on housing$56,720/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: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$235This listing

vs Other Active Listings

Avg $/sqft

ZIP 75440$198
Rains County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 75440
Rains County$262

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
2026-07-01Listed for sale$285,000
2024-11-26Sold--
2024-11-20Pending sale$269,000
2024-08-16Listed for sale$269,000
2023-04-06Listing removed--
2022-05-13Listing removed$274,000
2022-05-11Listed for sale$274,000
2022-05-03Pending sale$274,000
2022-05-03Listed for sale$274,000

For Sale by Agent

AgentDon Spencer
BrokerageL.L. Spencer Real Estate

Similar Homes