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1005 N Oak St, Leonard, TX, 75452

2beds
1baths
864sqft
$185,990
$215price/sqft
$1,589/moest. monthly cost
$63,560/yrincome needed

About This Home

Charming, UPDATED, and MOVE IN READY! This adorable 2 bedroom, 1 bath home is a delightful COTTAGE full of character, warmth, and thoughtful updates. Built in 1920 and situated on a SPACIOUS 0.191 ACRE LOT, this well maintained home sits on a QUIET STREET in the heart of Leonard. Pride of ownership shows throughout. Inside you will find a comfortable layout with a welcoming feel. The kitchen offers AMPLE COUNTER SPACE, a GAS RANGE, and plenty of room for everyday cooking and entertaining. Step outside to enjoy the fully fenced backyard featuring a 6 FOOT BOARD ON BOARD PRIVACY FENCE and DECK, both added in 2022, creating the perfect space for relaxing, entertaining, or enjoying your morning coffee. A standout feature is the charming SHE SHED, a special retreat space ideal for hobbies, storage, or a quiet escape. Additional highlights include a DURABLE METAL ROOF, a WATER HEATER REPLACED IN 2022, a GENEROUS BACKYARD with plenty of space for pets, gardening, or outdoor enjoyment, and a CARPORT that is especially convenient for a SMALLER VEHICLE. Whether you are a FIRST TIME HOMEBUYER, looking to downsize, or searching for a great investment opportunity, this home delivers comfort, charm, and SMALL TOWN LIVING at its best. Even better, this home is USDA LOAN ELIGIBLE, offering qualified buyers the opportunity for ZERO DOWN PAYMENT FINANCING. Enjoy the peaceful lifestyle of Leonard while still being close to local shops, schools, and community amenities.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
Leonard Elementary SchoolGrades PK-30.4 mi
8/10
6/10
Leonard High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Central Air,Electric

Features

  • High Speed Internet
  • Flooring: Carpet,Laminate

Interior Area

  • Total interior livable area: 864 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 000000116517
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Rear Porch,Deck,Front Porch,Patio
  • Exterior features: Storage
  • Fencing: Wood

Lot

  • Lot size: 8,319 sqft
  • Features: Interior Lot,Few Trees

Parking

  • Total spaces: 1
  • Parking features: Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

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 $940$11,280
Home Insurance *$89$1,068
Property Taxes $322$3,864
Electricity $238$2,859
Total$1,589$19,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,480/yr
40% on housing$47,670/yr
45% on housing$42,373/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 75452$273
Fannin County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 75452$185
Fannin County$161

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
2026-07-08Price change$185,990
2026-06-11Price change$188,000
2022-02-08Pending sale$175,000
2022-02-07Sold--
2022-02-04Pending sale$175,000
2022-01-06Listed for sale$175,000

For Sale by Agent

AgentStacia Frase
BrokerageReal Broker, LLC

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