See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

118 Waynes Ln, Gilmer, TX, 75644

4beds
2baths
1,584sqft
$179,000
$113price/sqft
$1,630/moest. monthly cost
$65,200/yrincome needed

About This Home

Very nice well taken care of 4/2 home with a large back yard all fenced! Fireplace in the living room. Large Living room and Kitchen. This house has been in the family for over 50 years. New gutters, New A/C. This is a great home come see!

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

8/10
6/10
Bruce Junior High SchoolGrades 7-81.8 mi
6/10
Gilmer High SchoolGrades 9-121.5 mi

Construction

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Alum/Vinyl Siding,Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range/Oven,Free-Standing Range,Gas Water Heater
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Ceiling Fans
  • Flooring: Vinyl
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central Gas
  • Cooling features: Central Electric

Interior Area

  • Total interior livable area: 1,584 sqft

Property

Details

  • Parcel number: 697
  • Exclusions: PERSONAL ITEMS

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Rain Gutters
  • Fencing: Chain Link
  • Topography of land: Level
  • Residential vegetation: None
  • Living area range: 1501-2000

Lot

  • Lot size: 10,628 sqft
  • Features: Landscaped,Sandy Loam

Parking

  • Parking features: No Garage,None,Parking Pad,Natural
  • Has uncovered spaces: Yes

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
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $905$10,860
Home Insurance *$218$2,616
Property Taxes $269$3,228
Electricity $238$2,859
Total$1,630$19,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,885/yr
40% on housing$48,900/yr
45% on housing$43,466/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

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 75644$214
Upshur County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 75644$121
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)

Price History

DateEventPrice
2026-07-29Price change$179,000
2026-06-29Listed for sale$189,000

For Sale by Agent

AgentWendy West
BrokerageColdwell Banker Lenhart-Gilmer

Similar Homes