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103 East St, Smithville, TX, 78957

3beds
2baths
1,473sqft
$285,000
$193price/sqft
$2,150/moest. monthly cost
$86,000/yrincome needed

About This Home

Welcome home to this charming 3-bedroom, 2-bath cottage nestled on a quiet dead-end street in the heart of Smithville. Built in 2018, this well-maintained home offers 1,473 square feet of comfortable living space with an open-concept floor plan that's perfect for both everyday living and entertaining. The spacious living, dining, and kitchen areas flow seamlessly together, while generously sized bedrooms provide comfort for family and guests alike. A classic white picket fence adds storybook curb appeal, and the attached two-car garage offers plenty of parking and storage. Enjoy the peace of a low traffic location while remaining just minutes from downtown Smithville shops, restaurants, schools, and local amenities. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment property, this move-in ready home is one you won't want to miss!

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
Brown Primary SchoolGrades PK-K0.6 mi
4/10
5/10
Smithville High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2018

Materials

  • Foundation: Slab
  • Roof: Composition, Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Oven,Refrigerator,Stainless Steel Appliance(s),Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s),Granite Counters,Double Vanity,Electric Dryer Hookup,Eat-in Kitchen,Kitchen Island,Open Floorplan,Pantry,Recessed Lighting,Walk-In Closet(s),Washer Hookup
  • Window features: Blinds,Insulated Windows,Vinyl Windows
  • Flooring: Concrete

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,473 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 8715744
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch
  • Exterior features: Private Yard
  • Fencing: Back Yard, Front Yard, Wood
  • Has view: Yes
  • View description: Neighborhood
  • Waterfront features: None

Lot

  • Lot size: 5,619 sqft
  • Features: Alley Access,Front Yard,Public Maintained Road

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener,Garage Faces Rear
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Winter 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 $1,441$17,292
Home Insurance *$194$2,328
Property Taxes $277$3,324
Electricity $238$2,859
Total$2,150$25,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,714/yr
40% on housing$64,500/yr
45% on housing$57,333/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 78957$287
Bastrop County$331

vs Homes Sold Last Month

Median $/sqft

ZIP 78957$192
Bastrop County$182

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
2026-08-11Price change$274,900
2026-07-15Listed for sale$285,000

For Sale by Agent

AgentStacy Hippler
BrokerageAll City Real Estate Ltd. Co

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