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315 Citrus Dr, Fate, TX, 75189

3beds
2baths
1,771sqft
$284,000
$160price/sqft
$2,291/moest. monthly cost
$91,640/yrincome needed

About This Home

Welcome to 315 Citrus in Fate—an inviting 3-bedroom, 2-bath home designed with comfort and flexibility in mind. The open-concept layout creates a natural flow between the living, dining, and kitchen areas, making it easy to entertain or enjoy everyday living. The split floorplan offers added privacy, with the primary suite tucked away from the secondary bedrooms. A spacious bonus room provides the perfect setup for a game room, home office, or second living area—whatever fits your lifestyle. Step outside to a large backyard with plenty of room to relax, play, or create your own outdoor retreat. Conveniently located near shopping, dining, and local amenities, this home combines space, function, and a great location. The seller is offering a flooring allowance with an acceptable offer—giving you the opportunity to make it your own from the start.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

5/10
Bobby Summers MiddleGrades 6-80.2 mi
5/10
Royse City High SchoolGrades 9-125.4 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range
  • Laundry features: Laundry in Utility Room

Bedroom

  • Level: First
  • Dimensions: 10 x 11

Bedroom

  • Level: First
  • Dimensions: 10 x 10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 16 x 10

Features

  • Cable TV
  • Flooring: Carpet,Tile

Game Room

  • Level: First
  • Dimensions: 11 x 18

Interior Area

  • Total interior livable area: 1,771 sqft

Living Room

  • Level: First
  • Dimensions: 16 x 14

Master Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 14 x 15

Property

Details

  • Parcel number: 000000097088
  • Exclusions: Simplisafe Alarm System

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 7,971 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Strong Wind

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 $1,436$17,232
Home Insurance *$183$2,196
Property Taxes $434$5,208
Electricity $238$2,859
Total$2,291$27,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,548/yr
40% on housing$68,730/yr
45% on housing$61,093/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 75189$188
Rockwall County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 75189$152
Rockwall County$170

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
2026-05-05Listed for sale$289,000

For Sale by Agent

AgentShari Quan-Rios
BrokerageFathom Realty

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