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108 Reservoir St, Sulphur Springs, TX, 75482

3beds
3baths
1,392sqft
$200,000
$144price/sqft
$1,554/moest. monthly cost
$62,160/yrincome needed

About This Home

Lake Home in Town! This fantastic cottage style home is across the street from the fabulous Coleman Park lake and all it has to offer!! Hiking, bking, picnics, play grounds, ball fields, etc. All within walking distance! This 3 bedroom 3 bath cottage style home has more space than meets the eye! The open floor plan living and kitchen which features custom cabinets, pantry area and access to a spacious laundry room with room for a freezer! All 3 bedrooms have access to ensuite bathrooms! The main primary bedroom has it's own exterior access to the HUGE wrap around porch! This is a must see!! taken down to the studs and completely rebuilt home waiting for you! VA, USDA or FHA Loan Accepted! Good credit but No down payment? No problem, 100 percent financing with USDA loans or FHA down payment assistance!

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

8/10
Travis Elementary SchoolGrades K-30.5 mi
5/10
4/10

Construction

Condition

  • Year built: 1952

Materials

  • Roof: Metal

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range
  • Laundry features: Laundry in Utility Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Decorative/Designer Lighting Fixtures,Double Vanity,Eat-in Kitchen,High Speed Internet,In-Law Floorplan,Multiple Master Suites,Open Floorplan,Cable TV

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total interior livable area: 1,392 sqft

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 1 x 1

Master Bedroom

  • Features: Ceiling Fan(s),Dual Sinks,En Suite Bathroom
  • Level: First
  • Dimensions: 1 x 1

Master Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom
  • Level: First
  • Dimensions: 1 x 1

Property

Details

  • Parcel number: R000002032
  • Attached to another structure: Yes
  • Exclusions: Storage building is excluded but seller is willing to negotiate,if needed.

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Has view: Yes
  • View description: Park/Greenbelt,Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 8,712 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
  • 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 $1,011$12,132
Home Insurance *$192$2,304
Property Taxes $113$1,356
Electricity $238$2,859
Total$1,554$18,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,280/yr
40% on housing$46,620/yr
45% on housing$41,440/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

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 75482$156
Hopkins County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 75482$159
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
2026-04-25Price change$219,999
2026-03-31Price change$229,999
2026-03-16Price change$239,999
2026-03-14Price change$249,996
2026-03-06Price change$249,997
2026-02-27Price change$249,999
2026-02-03Listed for sale$249,900
2024-08-07Listing removed--
2024-05-30Listed for sale$279,000
2024-04-15Listing removed--
2024-03-14Listed for sale$279,000
2024-03-04Listing removed--
2024-03-01Price change$279,000
2023-12-15Price change$295,000
2023-08-24Price change$375,000
2023-07-16Listed for sale$305,000
2023-07-01Listing removed--
2023-06-23Listed for sale$170,000
2023-06-14Pending sale$170,000
2023-03-19Price change$170,000
2022-10-14Listed for sale$210,000
2022-01-18Sold--
2021-11-30Pending sale$69,500
2021-10-22Price change$69,500
2021-10-13Listed for sale$75,000

For Sale by Agent

AgentJana Dodd
BrokerageDodd Realty

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