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2644 Cowgirl Trl, Belton, TX, 76513

4beds
3baths
2,200sqft
$339,000
$154price/sqft
$2,588/moest. monthly cost
$103,520/yrincome needed

About This Home

4 bedroom, 3 full bathrooms and a 3 car garage make this Belton ISD home a huge hit! Convenient to I-35 and I-14. This home has been meticulously maintained and has gorgeous plantation shutters throughout the entire home. Walking distance to new elementary school.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Belton MiddleGrades 6-84.4 mi
6/10
Belton High SchoolGrades 9-124.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Brick,Masonry

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary/Modern
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven,Plumbed For Ice Maker,Water Heater,Some Electric Appliances,Microwave
  • Laundry features: Inside,Laundry in Utility Room,Main Level,Laundry Room

Bedrooms & Bathrooms

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

Features

  • All Bedrooms Down,Ceiling Fan(s),Open Floorplan,Pull Down Attic Stairs,Quartz Counters,Split Bedrooms,Window Treatments,Breakfast Bar,Kitchen Island,Pantry,Solid Surface Counters
  • Window features: Window Treatments
  • Flooring: Carpet,Ceramic Tile
  • Fireplace features: None
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: 1 Unit

Interior Area

  • Total interior livable area: 2,200 sqft

Property

Details

  • Parcel number: 484301

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Covered Patio
  • Fencing: Back Yard
  • Has view: Yes
  • View description: None
  • Waterbody name: None

Lot

  • Lot size: 7,226 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hail
Lightning
Tornado
Winter Weather
Cold Wave
Heat Wave
Wildfire

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 $1,714$20,568
Home Insurance *$227$2,724
Property Taxes $406$4,872
Electricity $241$2,898
Total$2,588$31,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,731/yr
40% on housing$77,640/yr
45% on housing$69,013/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 76513$170
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76513$172
Bell County$145

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
2026-08-06Pending sale$339,000
2026-08-04Contingent$339,000
2026-07-04Listed for sale$339,000
2022-09-08Sold--
2022-06-01Pending sale$312,900
2022-06-01Listing removed--
2021-05-11Pending sale$312,900
2021-05-10Price change$312,900
2021-04-21Pending sale$292,500
2021-03-31Listed for sale$292,500

For Sale by Agent

AgentChristine Fletcher
BrokerageVista Real Estate Group-Compass RE Texas, LLC

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