106 W Main St, Pilot Point, TX, 76258
About This Home
Live/Work Investment Opportunity | STR- Loft + Leased Retail | Downtown Pilot Point | Offered at $849,000 Rare income-producing mixed-use property in downtown Pilot Point near Lake Ray Roberts. Fully restored 1892 building (~4,300 sq ft) offering cash flow, STR income, and commercial lease income in a prime on-the-square location. Key Features Mixed-use zoning: retail, office, live/work, investment property ~2,000 sq ft leased commercial space (income-producing tenant) ~2,300 sq ft residential loft – STR / Airbnb / short-term rental ready Turnkey furnished investment property with antiques & vintage safe Rooftop deck with lake views Original brick, wood beams & tin ceilings (historic charm) Walkable downtown location near dining, shopping & events High-visibility with strong foot traffic. Ideal for investors, 1031 exchange buyers, owner-operators, or live/work buyers seeking rental income, appreciation, and historic downtown property in a growing North DFW market.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1800
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Brick,Stucco,Wood Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: ENERGY STAR Qualified Appliances,Water Heater,Disposal,Ice Maker,Dryer,Refrigerator,Washer,Gas Oven,Microwave,Gas Range,Dishwasher
- Laundry features: Electric Dryer Hookup,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- 2 Staircases,Balcony,Dry Bar,Formal Entry/Foyer,High Ceilings,All Bedrooms Up,Sitting Area,Split Plan
- Window features: Window Coverings
- Flooring: Carpet,Engineered Hardwood,Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Gas Log
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric,Natural Gas
- Cooling features: Electric
Interior Area
- Total structure area: 4,300
- Total interior livable area: 4,300 sqft
Kitchen
- Features: Breakfast Bar,Pantry,Pots/Pans Drawers,Under Cabinet Lighting
Master Bathroom
- Features: Half Bath,Primary Bath: Separate Shower,Primary Bath: Soaking Tub,Vanity Area
Property
Details
- Parcel number: R39401
Features
- Levels: Multi/Split,Split Level
- Stories: 3
- Patio & porch: Deck
- Exterior features: Balcony
- Fencing: Back Yard,Full
- Has view: Yes
- View description: Lake,Water
- Has water view: Yes
- Water view: Lake,Water
Lot
- Lot size: 5,000 sqft
- Features: Back Yard,Other,0 Up To 1/4 Acre
- Lot size dimensions: 25 x 200
Parking
- Parking features: Additional Parking,Boat
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
- Hail
- Tornado
- Cold Wave
- Heat Wave
- Ice Storm
- Strong Wind
- Wildfire
- Winter Weather
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 | $4,293 | $51,516 |
| Home Insurance * | $936 | $11,232 |
| Property Taxes | $1,032 | $12,384 |
| Electricity | $472 | $5,665 |
| Total | $6,733 | $80,796 |
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 |
|---|---|---|
| 2026-03-27 | Price change | $849,000 |
| 2025-10-12 | Price change | $865,000 |
| 2025-10-01 | Price change | $989,000 |
| 2025-08-22 | Price change | $995,000 |
| 2025-07-15 | Price change | $1,195,000 |
| 2025-05-31 | Listed for sale | $1,325,000 |
| 2020-03-02 | Listing removed | $1,500 |
| 2020-01-07 | Listed for rent | $1,500 |
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