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5966 Phlox Trl, Gilmer, TX, 75645

2beds
2baths
1,792sqft
$339,000
$189price/sqft
$2,507/moest. monthly cost
$100,280/yrincome needed

About This Home

Escape to the peace and quiet of the countryside with this charming 2-bedroom, 2-bath home nestled on 4 beautiful acres. Whether you're looking for a hobby farm, a place to garden, or simply room to spread out, this property offers the perfect blend of comfort and outdoor living. Inside, you'll find a warm and inviting home with recent updates that add modern touches while maintaining its cozy country charm. Step outside and enjoy the lifestyle you've been dreaming of with a fenced property, a garden area, and plenty of room for pets or other farm animals. Spend your summer days relaxing in the above-ground pool with a spacious surrounding deck, then gather friends and family under the covered grilling area for outdoor cookouts and entertaining. A large shop provides excellent space for projects, equipment, or extra storage. If you're searching for peaceful country living with space to work, play, and grow, this property checks all the boxes!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

3/10
6/10
Ore City Middle SchoolGrades 6-87.3 mi
6/10
Ore City High SchoolGrades 9-127.3 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Cooktop,Electric Water Heater

Bathroom

  • Features: Shower Only,Shower and Tub

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Living Combo

Features

  • Ceiling Fan(s)
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: One Wood Burning,Stone
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central/Electric
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 1,792
  • Total interior livable area: 1,792 sqft

Kitchen

  • Features: Kitchen/Eating Combo

Property

Details

  • Parcel number: 51557
  • Special condition: None,As-Is Condition @ Closing

Features

  • Levels: One
  • Stories: 1
  • Pool features: Above Ground,Fenced
  • Patio & porch: Porch
  • Fencing: Barbed Wire,Cross Fenced

Lot

  • Features: Irregular Lot

Parking

  • Parking features: Open
  • 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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $1,714$20,568
Home Insurance *$328$3,936
Property Taxes $227$2,724
Electricity $238$2,859
Total$2,507$30,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,954/yr
40% on housing$75,210/yr
45% on housing$66,853/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: 3.4%
3.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -7.9%
-7.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 75645$177
Upshur County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 75645$157
Upshur County$118

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
2026-07-22Listed for sale$339,000
2017-09-16Sold--
2017-03-23Sold--

For Sale by Agent

AgentKathryn Carpenter
BrokerageCentury 21 Premier Group

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