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3139 Farm Road 3134, Cumby, TX, 75433

2beds
1baths
1,900sqft
$699,000
$368price/sqft
$4,655/moest. monthly cost
$186,200/yrincome needed

About This Home

Escape to your own private paradise on this charming 2-bedroom, 1-bathroom 27.5 acre retreat that perfectly balances modern comfort with rural tranquility. This thoughtfully renovated home features a nearly new roof, enhanced life-proof vinyl flooring with mold-free felt backing, and quartz kitchen countertops paired with upgraded appliances including a farm sink that would make any chef smile.The property truly shines with its impressive sustainable features, including solar panels with multiple batteries ensuring energy independence, while high-speed fiber optic internet keeps you connected to the world. The new mini-split heating and cooling system provides year-round comfort, and the entire property comes pre-wired for security systems with an electric front gate for privacy. Outdoor enthusiasts will discover two fully stocked ponds perfect for fishing and a chicken coop, while deer and wild hogs roam the cross-fenced property providing excellent hunting opportunities. A deer stand with internet access adds a modern twist to traditional hunting experiences. The included barn with enclosed shop offers versatile storage and workspace possibilities.With its strategic location offering both seclusion and accessibility, this property presents exceptional rental income potential or makes an ideal weekend getaway. The combination of modern amenities, sustainable energy systems, and abundant wildlife creates a unique opportunity whether you're seeking a peaceful retreat, investment property, or outdoor adventure basecamp. Additional conveniences include three-phase electricity, and a storage container.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

3/10
Cumby Elementary SchoolGrades PK-56.7 mi
6/10
Cumby High SchoolGrades 6-126.8 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher

Bedroom

  • Features: Split Bedrooms,Walk-In Closet(s)
  • Level: Second
  • Dimensions: 10 x 8

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First
  • Dimensions: 42 x 24

Features

  • Decorative/Designer Lighting Fixtures,Eat-in Kitchen,High Speed Internet
  • Flooring: Vinyl

Interior Area

  • Total interior livable area: 1,900 sqft

Kitchen

  • Features: Built-in Features,Eat-in Kitchen,Solid Surface Counters
  • Level: Second
  • Dimensions: 13 x 9

Living Room

  • Level: Second
  • Dimensions: 27 x 13

Master Bedroom

  • Features: Split Bedrooms,Walk-In Closet(s)
  • Level: Second
  • Dimensions: 13 x 10

Property

Details

  • Parcel number: R000014318

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 27.51 Acres

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

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 WaveVery High
  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Severe Storm
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 $3,534$42,408
Home Insurance *$487$5,844
Property Taxes $396$4,752
Electricity $238$2,859
Total$4,655$55,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,600/yr
40% on housing$139,650/yr
45% on housing$124,133/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$368This listing

vs Other Active Listings

Avg $/sqft

ZIP 75433$117
Hopkins County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 75433$163
Hopkins County$173

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
2026-04-01Listed for sale$699,000
2026-01-24Listing removed$759,000
2025-07-30Listed for sale$759,000
2011-06-30Listing removed$175,000
2011-03-19Price change$175,000
2010-12-26Listed for sale$200,000

For Sale by Agent

AgentRandal Shinn
BrokerageFarmersville Real Estate Company

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