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984 County Road 357, Utopia, TX, 78884

4beds
2baths
2,815sqft
$469,000
$167price/sqft
$3,440/moest. monthly cost
$137,600/yrincome needed

About This Home

This 2400 sq ft brick home located less than 5 minutes from town, offers an expansive 4 bedroom 2 bathroom with an office. It sits on 7 acres out in the scenic Utopia. Enjoy star gazing each night on the patio under the mature oak tree, without any light pollution. The property is ideal for livestock or a homesteader, equipped with a horse/cattle barn in the lower pasture, yard fencing and cross fencing, water troughs, chicken coop, a large, fully enclosed custom pen with a finished heated and cooled building in the pen, a high fenced pen that is also versatile for livestock. Within the yard fence, there is a high fenced garden with an established orchard. Enjoy peaches, plums, pears, and pomegranates in the spring. 3 raised garden beds and a garden shed. The house uses city water, but the pastures and garden below are all run on a well. The wells submersible pump was replaced in 2019 also and had a well pump saver added. The property has a large parking area, 2 car garage with attached work shop, amazing views from the home, a large shaded concrete patio for entertaining, basketball goal on recreation slab and incredible Live Oaks, Crape Myrtles and other varieties of trees scattered through the property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
Utopia SchoolGrades PK-121.0 mi

Construction

Materials

  • Roof: Metal
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,815
  • Total interior livable area: 2,815 sqft

Property

Details

  • Parcel number: 29532

Features

  • Patio & porch: Patio

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

  • Inland Flooding
    Inland FloodingVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Severe Storm
Straight Line Winds

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 $2,371$28,452
Home Insurance *$154$1,848
Property Taxes $606$7,272
Electricity $309$3,709
Total$3,440$41,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,942/yr
40% on housing$103,200/yr
45% on housing$91,733/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -6.7%
-6.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 78884$329
Uvalde County$206

vs Homes Sold Last Month

Median $/sqft

ZIP 78884$390
Uvalde County$138

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
2026-07-15Listed for sale$469,000
2025-08-16Listing removed$450,000
2025-02-07Listed for sale$450,000
2020-08-12Listing removed$340,000
2020-07-15Listed for sale$340,000
2020-07-15Pending sale$340,000
2020-05-07Listing removed$340,000
2020-05-05Listed for sale$340,000
2020-05-05Pending sale$340,000
2020-03-06Sold--
2019-12-02Price change$340,000
2019-10-09Price change$360,000
2019-08-27Listed for sale$379,000

For Sale by Agent

BrokerageHill Country Properties

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