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4980 Salter Ln, Gilmer, TX, 75645

4beds
3baths
2,521sqft
$975,000
$387price/sqft
$6,175/moest. monthly cost
$247,000/yrincome needed

About This Home

Custom-built craftsman home currently under construction on 5 private acres in East Mountain, TX — estimated completion in 5 months. The home sits on a quiet street with friendly neighbors, a private pond on the property, and mature trees in every direction. This is the kind of land and setting that simply doesn't come available often. At 4,068 sq ft under roof and 3,649 sq ft of covered concrete, this home was designed to live large. The finished living area is 2,521 sq ft with 4 bedrooms, and the layout flows from a custom kitchen through to a 647 sq ft covered rear porch — a true outdoor living room — and an outdoor kitchen built for entertaining. Inside, the finishes reflect serious craftsmanship: custom kitchen cabinetry, and a master bath with dual shower heads. The 701 sq ft attached garage completes the package. What makes this listing truly rare: the builder is still on site, and the buyer has the opportunity to customize remaining interior finishes — flooring, fixtures, countertops, cabinetry details — to make this home completely their own. This is a one-time window to get a custom home without starting from scratch. The seller may also retain the home as a personal residence. Serious buyers only — reach out to discuss the remaining build timeline and customization options. 4,068 sqft under roof 2,521 finished living sqft 3,649 sqft concrete covered 647 sqft rear porch 701 sqft garage 5 acres private lot with pond

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

7/10
6/10
Bruce Junior High SchoolGrades 7-89.5 mi
6/10
Gilmer High SchoolGrades 9-1210.6 mi

Construction

Condition

  • Year built: 2026

Materials

  • Foundation: Piers
  • Roof: Shake / Shingle
  • Construction materials: Frame

Type & Style

  • Home type: Unknown

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile,Carpet,Linoleum / Vinyl

Interior Area

  • Total interior livable area: 2,521 sqft

Property

Details

  • Parcel number: 63701

Features

  • Exterior features: Shingle,Stone,Vinyl
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 5 Acres

Parking

  • Total spaces: 6
  • Parking features: Garage - Attached

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
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $4,930$59,160
Home Insurance *$945$11,340
Property Taxes $24$288
Electricity $276$3,321
Total$6,175$74,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$211,714/yr
40% on housing$185,250/yr
45% on housing$164,666/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

$387This listing

vs Other Active Listings

Avg $/sqft

ZIP 75645$168
Upshur County$186

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)

No zestimate history available

Price History

DateEventPrice
2026-05-07Listed for sale$975,000

For Sale by Owner

AgentProperty Owner

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