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803 N Spanish Camp Rd, Wharton, TX, 77488

4beds
3baths
1,583sqft
$131,480
$83price/sqft
$1,366/moest. monthly cost
$54,640/yrincome needed

About This Home

Located in a quiet rural setting in Wharton, this 4-bedroom, 2.5-bath home offers a great opportunity for buyers seeking value and potential. Built in 2020, the property features a functional layout with spacious living and dining areas, providing a solid foundation for personalization. The home does need cosmetic updates, including interior paint and new flooring, making it ideal for investors or buyers looking to add their own finishing touches. Situated on a generous lot with no HOA and no deed restrictions, there is added flexibility for storage, parking, or future improvements. The surrounding area reflects a more relaxed, country atmosphere with a mix of residential property types. If you're looking for a newer home with upside potential and room to make it your own, this property is worth a look.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

4/10
2/10
Wharton High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2022

Materials

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

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • All Bedrooms Up

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,583
  • Total interior livable area: 1,583 sqft

Property

Details

  • Parcel number: R78784
  • Special condition: Real Estate Owned

Features

  • Stories: 2

Lot

  • Lot size: 0.53 Acres
  • Features: Cleared,1/2 Up to 1 Acre

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Hurricane
    HurricaneRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Drought
Hail
Lightning
Tornado

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane

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 $664$7,968
Home Insurance *$212$2,544
Property Taxes $252$3,024
Electricity $238$2,859
Total$1,366$16,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,834/yr
40% on housing$40,980/yr
45% on housing$36,426/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: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$83This listing

vs Other Active Listings

Avg $/sqft

ZIP 77488$117
Wharton County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 77488$119
Wharton County$125

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

DateEventPrice
2023-01-13Listing removed--
2022-09-26Price change$195,000
2022-02-26Listed for sale$214,999

Unknown Listed By

AgentCleo Griffith
BrokerageGriffith Real Estate Services

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