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109 S Shaw St, Tom Bean, TX, 75489

3beds
2baths
1,320sqft
$274,800
$208price/sqft
$2,115/moest. monthly cost
$84,600/yrincome needed

About This Home

Beautiful 3 bed, 2 bath home full of small-town country charm. Enjoy a spacious backyard perfect for kids and four-legged friends. Inside, you’ll find ceramic tile flooring throughout. The kitchen features a new workstation sink with pull-down and two-filtered water faucet, cutting board, and roll-out drying rack. The kitchen also features tile countertops and abundant cabinet space. Refrigerator, Dishwasher, new stove (with built-in air fryer, smart functions and app controls) and new microwave are included. The primary bedroom offers a generous walk-in closet plus an en-suite bathroom with separate vanities and dual sinks. The roof is new on both the house and shed, installed June 2026. If you’re seeking peace and quiet, excellent small-town schools and a convenient location, this could be the perfect fit. Schedule your showing today. (Room sizes are estimates)

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

3/10
5/10
Tom Bean Middle SchoolGrades 6-81.3 mi
6/10
Tom Bean High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Microwave,Vented Exhaust Fan
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Bedroom

  • Level: First
  • Dimensions: 12 x 10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Double Vanity,High Speed Internet,Tile Counters,Cable TV,Walk-In Closet(s),Wired for Sound
  • Flooring: Carpet,Ceramic Tile,Laminate

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,320 sqft

Kitchen

  • Level: First
  • Dimensions: 12 x 8

Laundry

  • Level: First
  • Dimensions: 8 x 3

Living Room

  • Level: First
  • Dimensions: 13 x 13

Master Bathroom

  • Level: First
  • Dimensions: 10 x 7

Master Bedroom

  • Features: Dual Sinks,Double Vanity,Walk-In Closet(s)
  • Level: First
  • Dimensions: 13 x 10

Office

  • Level: First
  • Dimensions: 18 x 10

Property

Details

  • Parcel number: 152997

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Fire Pit,Rain Gutters
  • Fencing: Metal,Wood

Lot

  • Lot size: 0.34 Acres
  • Features: Back Yard,Lawn

Parking

  • Total spaces: 2
  • Parking features: Driveway,No Garage
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $1,389$16,668
Home Insurance *$207$2,484
Property Taxes $281$3,372
Electricity $238$2,859
Total$2,115$25,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,514/yr
40% on housing$63,450/yr
45% on housing$56,400/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: 4.0%
4.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 75489$157
Grayson County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 75489$154
Grayson County$164

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
2026-07-13Listed for sale$274,800

For Sale by Agent

AgentFernando De Los Santos
BrokerageDelahn Realty

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