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1281 W Swan St, Stephenville, TX, 76401

2beds
1baths
920sqft
$175,000
$190price/sqft
$1,522/moest. monthly cost
$60,880/yrincome needed

About This Home

Fully renovated and move-in ready! This charming 2-bedroom, 1-bath home offers 920 sq ft of updated living space with modern touches while preserving its original character. Enjoy a functional open living and dining area, plus a kitchen equipped with a refrigerator and stackable washer and dryer—making this home ready from day one. Sitting on a spacious 0.239-acre lot, there’s plenty of room to enjoy the outdoors or expand possibilities. Located just minutes from Tarleton State University, shopping, and dining, this property offers convenience and flexibility for a variety of uses. Home will be sold as is.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

--
Central Elementary SchoolGrades PK-K0.4 mi
9/10
6/10
Stephenville High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Gas Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: Stacked

Bedroom

  • Features: Split Bedrooms
  • Level: First
  • Dimensions: 13 x 10

Bedrooms & Bathrooms

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

Features

  • Kitchen Island
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Electric,Other
  • Cooling features: Multi Units,Other,Wall Unit(s)

Interior Area

  • Total interior livable area: 920 sqft

Kitchen

  • Level: First
  • Dimensions: 13 x 13

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 13 x 13

Master Bedroom

  • Features: Split Bedrooms
  • Level: First
  • Dimensions: 19 x 9

Other

  • Level: First
  • Dimensions: 13 x 6

Property

Details

  • Parcel number: R000033547
  • Exclusions: NONE

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 10,410 sqft

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
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Strong Wind
Wildfire
Winter Weather

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $884$10,608
Home Insurance *$159$1,908
Property Taxes $241$2,892
Electricity $238$2,859
Total$1,522$18,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,182/yr
40% on housing$45,660/yr
45% on housing$40,586/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 76401$299
Erath County$317

vs Homes Sold Last Month

Median $/sqft

ZIP 76401$192
Erath County$201

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
2026-04-11Listed for sale$175,000
2025-05-16Listing removed$189,900
2025-05-02Listing removed$1,500
2025-03-11Listed for rent$1,500
2025-01-20Listed for sale$189,900
2025-01-02Pending sale$189,900
2024-09-23Price change$189,900
2024-08-13Price change$195,000
2024-05-28Listed for sale$200,000
2023-12-07Listing removed--
2023-11-29Listed for rent$1,500

For Sale by Agent

AgentMarcie Florance
BrokerageLegacy & Co. Real Estate LLC

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