




1005 Colorado St, Smithville, TX, 78957
About This Home
Seller is offering up to $8k in Flex Cash~ Discover timeless charm in this Spanish-style villa tucked away in the heart of Smithville, a beloved small town nestled along the Colorado River. Set on 2.5 peaceful acres, this inviting property offers nearly 2,000 square feet of comfortable living, blending classic architectural character with the relaxed rhythm of river-town life. A quaint front courtyard welcomes you with its rustic charm, setting the tone for the warmth found throughout the home. Inside, the living room, dining room, and master bedroom all frame serene views of the expansive backyard and the Colorado River beyond, filling each space with natural light and a sense of calm. With 2 bedrooms and 2 bathrooms, the layout feels both cozy and open, perfect for quiet mornings, weekend gatherings, or simply enjoying the slower pace that Smithville is known for. Step outside to the generous outdoor living area, where gentle breezes and peaceful river views create an ideal setting for unwinding. Wander down to the river’s edge and you’ll find a perfect spot for picnics, fish fry gatherings, or watching the water drift by as the sun sets. This property offers the rare combination of privacy, charm, and authentic small-town living—just minutes from Smithville’s historic downtown, yet worlds away in its tranquility. Watch the deer come up from the river right up to your backyard fence. A true riverside retreat with character, comfort, and room to breathe. Seller is offering up to $8k in Flex Cash. Buyer may choose any lender for financing this home. However, to qualify for seller's offered incentives (including seller paid closing cost credits or promotional interest rates), buyer must obtain loan approval and close with Corbin Matise of the Matise Mortgage Team.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1980
Materials
- Foundation: Slab
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Electric Oven,Dishwasher,Disposal,Electric Cooktop,Double Oven,Electric Water Heater
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bedrooms: 2
Features
- Ceiling Fan(s),Granite Counters,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Walk-In Closet(s)
- Window features: Double Pane Windows
- Flooring: Tile
- Number of fireplaces: 1
- Fireplace features: Gas Log,Living Room
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total interior livable area: 1,974 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 21054
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Covered,Patio
- Exterior features: None
- Fencing: Back Yard, Fenced, Front Yard, Gate, Wrought Iron
- Has view: Yes
- View description: Neighborhood,River,Trees/Woods
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: River Front
- Waterbody name: Colorado River
Lot
- Lot size: 2.49 Acres
- Features: Back Yard,Landscaped,Trees-Medium (20 Ft - 40 Ft)
Parking
- Total spaces: 2
- Parking features: Additional Parking,Attached,Covered,Detached,Electric Gate,Garage,Garage Faces Side,Gated
- 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
- Inland Flooding
- Tornado
- Cold Wave
- Lightning
- Strong Wind
- Winter Weather
- Hail
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,781 | $33,372 |
| Home Insurance * | $376 | $4,512 |
| Property Taxes | $536 | $6,432 |
| Electricity | $238 | $2,859 |
| Total | $3,931 | $47,172 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-13 | Price change | $550,000 |
| 2026-01-26 | Listed for sale | $575,000 |
| 2025-06-18 | Listing removed | $570,000 |
| 2025-06-05 | Listed for sale | $570,000 |
| 2025-05-15 | Listing removed | $570,000 |
| 2025-04-23 | Price change | $570,000 |
| 2025-03-12 | Listed for sale | $575,000 |
