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7440 Fm 39 Rd S, North Zulch, TX, 77872

--beds
0baths
2,452sqft
$629,000
$257price/sqft
$4,669/moest. monthly cost
$186,760/yrincome needed

About This Home

Welcome to this stunning custom-built home on 2.4 unrestricted acres in beautiful Madison County, TX! Perfectly situated just 20 minutes from Madisonville and 25 minutes from College Station. The home features an inviting open-concept layout with rustic finishes throughout, including wood beams, custom cabinetry, and stone accents. The spacious living area flows seamlessly into a chef’s kitchen with a massive island, stainless steel appliances, and a custom stone cooktop surround, perfect for entertaining. Relax in the large primary suite with a tray ceiling, abundant natural light, and a spa-like ensuite bathroom. Additional rooms offer flexible space for a home office, gym, or guest accommodations. Step outside to peaceful countryside views from the covered patio. The property includes a Generac generator for reliable power and ample parking with a wide concrete driveway and covered carport. Enjoy the freedom of unrestricted acreage with the comfort of modern country living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Year built: 2020

Materials

  • Construction materials: Cement Board

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Appliances

  • Appliances included: Dishwasher

Heating & Cooling

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

Interior Area

  • Total structure area: 2,452
  • Total interior livable area: 2,452 sqft

Property

Details

  • Parcel number: 99776

Lot

  • Lot size: 2.50 Acres
  • Features: 2 Up to 5 Acres

Parking

  • Total spaces: 2
  • Parking features: Additional Parking
  • 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

  • Cold Wave
    Cold WaveVery High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
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 $3,180$38,160
Home Insurance *$520$6,240
Property Taxes $700$8,400
Electricity $269$3,230
Total$4,669$56,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,080/yr
40% on housing$140,070/yr
45% on housing$124,506/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: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 77872$396
Madison County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 77872
Madison County$135

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
2026-03-30Price change$629,000
2026-02-28Price change$639,900
2026-01-26Listed for sale$659,000

For Sale by Agent

AgentStephanie Saculla
BrokerageConnect Realty.com

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