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190 Private Road 408, Buffalo, TX, 75831

2beds
2baths
1,984sqft
$445,000
$224price/sqft
$3,202/moest. monthly cost
$128,080/yrincome needed

About This Home

35+ acres in Freestone County: Hillside views and open pastures with scattered trees make this place a real gem. The rolling terrain gives this property a lot of versatility, for recreation, wildlife, while providing amazing scenery. The 2 bedroom & 2 bathroom home has had some interior improvements and is ready for you to make it your own. Ag exemption is in place, reducing property taxes. Additional structures include a barn, workshop and carport (barn is in need of repair). No repairs will be made to the outbuildings, giving the new owner the option to fix to their liking. AC is being fixed and the existing well is currently being repaired to working condition. Access to this expansive tract is secured through a deeded gated driveway directly off Highway 75, ensuring a private & controlled entry point for the owner. Situated halfway between Dallas and Houston along Interstate 45. New survey available. There are no restrictions, no zoning, and no HOA dues. No minerals.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

6/10
Dew SchoolGrades PK-83.4 mi

Construction

Condition

  • Year built: 1980

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Farm

Interior

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 1,984
  • Total interior livable area: 1,984 sqft

Property

Details

  • Parcel number: 8923

Features

  • Stories: 1
  • Topography of land: Rolling

Lot

  • Lot size: 35.66 Acres
  • Features: 20 Up to 50 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached & Detached
  • Covered spaces: 4
  • Carport: Yes
  • Carport spaces: 4

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
    LightningVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Hurricane
Severe 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 $2,250$27,000
Home Insurance *$344$4,128
Property Taxes $370$4,440
Electricity $238$2,859
Total$3,202$38,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,782/yr
40% on housing$96,060/yr
45% on housing$85,386/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -10.1%
-10.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 75831$196
Freestone County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 75831
Freestone County$141

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
2026-05-29Listed for sale$445,000
2026-03-13Listing removed$395,000
2026-01-27Price change$395,000
2026-01-13Listed for sale$425,000

For Sale by Agent

AgentKatherine McSwane
BrokerageMcSwane Real Estate, LLC

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