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18716 Centro Main St, Shenandoah, TX, 77385

2beds
4baths
2,363sqft
$460,000
$195price/sqft
$3,487/moest. monthly cost
$139,480/yrincome needed

About This Home

True live/work opportunity in Centro featuring a three-story layout with separate residential and commercial spaces and independent entrances. The first floor offers 769 SF of dedicated office or flex space, ideal for professional, retail, or service use while maintaining privacy from the residential area. The second and third floors function as a fully independent 1,565 SF residence with 2 bedrooms and 2.5 baths, an open-concept living area, kitchen, private balcony, and fenced courtyard. The layout allows an owner to occupy one space while leasing the other, offering flexibility for both personal use and income potential. Located in a private community with a resident pool and park, just minutes from I-45, Metropark Square, medical facilities, shopping, and The Woodlands. A well-balanced option for owner-operators or buyers seeking long-term value in a growing mixed-use corridor.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

7/10
6/10
Irons Junior High SchoolGrades 7-82.0 mi
7/10
Oak Ridge High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 2020

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven,Microwave,Gas Cooktop,Dishwasher
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Balcony,2 Bedrooms Up
  • Flooring: Carpet,Tile,Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 2,363
  • Total interior livable area: 2,363 sqft

Master Bathroom

  • Features: Half Bath,Primary Bath: Double Sinks,Primary Bath: Shower Only,Secondary Bath(s): Tub/Shower Combo

Property

Details

  • Parcel number: 492605

Features

  • Stories: 3
  • Exterior features: Balcony
  • Fencing: None

Lot

  • Lot size: 1,873 sqft
  • Features: Other,0 Up To 1/4 Acre

Parking

  • Parking features: No Garage

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

  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
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 $2,326$27,912
Home Insurance *$288$3,456
Property Taxes $614$7,368
Electricity $259$3,113
Total$3,487$41,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,554/yr
40% on housing$104,610/yr
45% on housing$92,986/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 77385$157
Montgomery County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 77385$161
Montgomery County$164

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
2026-01-26Listed for sale$460,000

For Sale by Agent

AgentShilpan Patel
BrokerageRE/MAX Fine Properties

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