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10829 Highway 34, Ladonia, TX, 75449

--beds
0baths
--sqft
$499,000
--price/sqft
$4,459/moest. monthly cost
$178,360/yrincome needed

About This Home

Amazing opportunity on Lake Ralph Hall... this 1.4 acre parcel is zoned as LC in the Lake Commercial District of Lake Ralph Hall. It is the first property before you go across the bridge that is zoned commercial, while traveling North on Hwy 34. Imagine the traffic this property will have with visitors, on their way to enjoy all the water activities on the new lake, not to mention the nearby and newly relocated permanent Fossil Park that will be created downstream of the Leon Hurse dam, once the lake opens. The fossil park relocation will provide opportunities for additional and untapped fossil discoveries.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

2/10
2/10
Fannindel High SchoolGrades 6-121.5 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Property

Details

  • Parcel number: 76203

Lot

  • Lot size: 1.45 Acres

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
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $2,523$30,276
Home Insurance *$979$11,748
Property Taxes $719$8,628
Electricity $238$2,859
Total$4,459$53,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$152,880/yr
40% on housing$133,770/yr
45% on housing$118,906/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 75449$157
Fannin County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 75449$89
Fannin County$161

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
2025-09-11Listed for sale$499,000

For Sale by Agent

AgentChris Johnson
BrokerageFanninland Realty

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