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527 E Center St, White Oak, TX, 75693

3beds
2baths
1,724sqft
$319,000
$185price/sqft
$2,420/moest. monthly cost
$96,800/yrincome needed

About This Home

Comfort and convenience in this cozy 3-bedroom, 2-bathroom home located in the highly sought-after White Oak ISD. This modern gem offers 1,724 sq ft of beautifully designed living space on a spacious 0.53-acre lot. Step inside to find luxurious granite countertops and sleek vinyl flooring throughout, creating a seamless flow from room to room. The open-concept layout is perfect for both entertaining and everyday living, while the two-car garage provides ample storage and parking. Nestled just down the road from the school, this home offers an ideal location for families. Enjoy the peace of mind that comes with being part of a vibrant community, with easy access to local amenities and attractions. Don’t miss your chance to make this dream home your reality. Call today to schedule your private showing.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

8/10
9/10
White Oak Middle SchoolGrades 6-80.6 mi
7/10
White Oak High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 2021

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Elec Range/Oven,Microwave,Dishwasher,Disposal,Vented Exhaust Fan,Plumbed For Ice Maker,Electric Water Heater
  • Laundry features: In Kitchen,Electric Dryer Hookup,Washer Hookup

Bathroom

  • Features: Shower and Tub,Double Vanity,Walk-In Closet(s),Separate Walk-in Closets,Vinyl Tile

Bedroom

  • Features: Master Bedroom Split

Bedrooms & Bathrooms

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

Dining Room

  • Features: Den/Dining Combo

Features

  • Ceiling Fans,Breakfast Bar
  • Window features: Storm Window(s)
  • Flooring: Vinyl
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,724 sqft

Property

Details

  • Parcel number: 1532085
  • Exclusions: Murphy bed in 2nd bedroom,fridge

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Auto Sprinkler
  • Fencing: Wood
  • Living area range: 1501-2000

Lot

  • Lot size: 0.53 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Faces Front,Attached,Parking Pad,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $1,613$19,356
Home Insurance *$243$2,916
Property Taxes $326$3,912
Electricity $238$2,859
Total$2,420$29,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,971/yr
40% on housing$72,600/yr
45% on housing$64,533/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: 7.9%
7.9%
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

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 75693$204
Gregg County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 75693$147
Gregg County$127

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
2026-04-27Price change$329,000
2026-03-27Price change$334,000
2026-02-17Price change$342,000
2026-02-11Listed for sale$349,000
2023-06-09Sold--
2023-05-01Listed for sale$300,000

For Sale by Agent

AgentKimberly McMurtry
BrokerageIntegrity Real Estate Brokerage

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