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11095 E State Highway 31, Kerens, TX, 75144

1beds
1baths
384sqft
$655,000
$1,706price/sqft
$5,139/moest. monthly cost
$205,560/yrincome needed

About This Home

65 acres on Highway 31 between Corsicana and Kerens — productive pasture, a 2.75-acre pond, working pens with a round pen, and ag exemption in place. The property is ready to use today: co-op electricity, rural water service, perimeter and cross-fencing, and an open-bay equipment shelter already on site. The 2.75-acre pond is a standout feature — originally excavated by TXDOT for sand and soil during highway construction, reaching 25+ feet deep in places. Three additional stock tanks add livestock water across the property. A small cottage with an accessory cabin (both built around 2013) make up the homestead area — modest improvements well-suited to weekend or part-time use while working the land. A 2-inch water line and overhead electric serve the homestead. Improved pasture with scattered tree cover. Rush Creek runs along the west boundary, adding wildlife habitat and natural drainage. An electric transmission line runs along the adjacent property to the north — power infrastructure that may interest investors or development buyers. Highway 31 frontage and access are at the southeast corner. Outside city limits in unincorporated Navarro County, this tract offers flexibility for buyers who see multiple uses. A conceptual six-tract subdivision layout is available on request, with framework for a private road and utility easements — well-suited to a developer or investor evaluating rural homesite division along the Hwy 31 corridor, or to a single buyer wanting the property whole. Kerens ISD. Agricultural exemption in place — annual taxes under $1,000. Suited for a working cattle or horse operation, family ranch buyer, recreation and hunting use, investment or development, or a 1031 exchange. Estate sale. Cash and conventional financing welcome. 24-hour notice required — call or text listing agent.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2013

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm,Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Full bathrooms: 1

Property

Lot

  • Lot size: 65.35 Acres

Parking

  • Parking features: Gravel,No Garage,On Site,RV Access/Parking

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Severe 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 $3,312$39,744
Home Insurance *$1,016$12,192
Property Taxes $573$6,876
Electricity $238$2,859
Total$5,139$61,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,194/yr
40% on housing$154,170/yr
45% on housing$137,040/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: 5.1%
5.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.0%
-5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,706This listing

vs Other Active Listings

Avg $/sqft

ZIP 75144$363
Navarro County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 75144$131
Navarro County$145

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)

No zestimate history available

Price History

No price history available

For Sale by Agent

AgentRobert Phipps
BrokerageBlue Sky Country Real Estate

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