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1005 Colorado St, Smithville, TX, 78957

2beds
3baths
1,974sqft
$550,000
$279price/sqft
$3,931/moest. monthly cost
$157,240/yrincome needed

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

16
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

4/10
4/10
5/10
Smithville High SchoolGrades 9-121.5 mi

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
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

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 $2,781$33,372
Home Insurance *$376$4,512
Property Taxes $536$6,432
Electricity $238$2,859
Total$3,931$47,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,777/yr
40% on housing$117,930/yr
45% on housing$104,826/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 78957$284
Bastrop County$331

vs Homes Sold Last Month

Median $/sqft

ZIP 78957$192
Bastrop County$182

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
2026-02-13Price change$550,000
2026-01-26Listed for sale$575,000
2025-06-18Listing removed$570,000
2025-06-05Listed for sale$570,000
2025-05-15Listing removed$570,000
2025-04-23Price change$570,000
2025-03-12Listed for sale$575,000

For Sale by Agent

AgentJeannie Ralph
BrokerageAll City Real Estate Ltd. Co

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