13860 Fm 645, Palestine, TX, 75803
About This Home
A great place to call home. Come see this large 5 bedroom home with two and a half bathrooms featuring a roof that was installed in April 2026. With a split floor plan, ( 5th bedroom is on the side with the primary) you could easily use one as an office. A large kitchen makes makes cooking easy. The secondary dwelling has been used for storage, but could easily be made into a second residence.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2014
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Brick Veneer
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Residential
Interior
Appliances
- Appliances included: Dishwasher
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Walk-In Closet(s),Ceiling Fan(s)
- Window features: Double Pane Windows
- Flooring: Ceramic Tile
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric,Central
- Cooling features: Electric
Interior Area
- Total structure area: 2,657
- Total interior livable area: 2,657 sqft
Property
Details
- Parcel number: 856407
Features
- Fencing: None
- Topography of land: Level
Lot
- Lot size: 1.48 Acres
Parking
- Parking features: Driveway
- 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
- Tornado
- Cold Wave
- Heat Wave
- Inland Flooding
- Ice Storm
- Lightning
- Strong Wind
- Winter Weather
- Hail
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,865 | $22,380 |
| Home Insurance * | $377 | $4,524 |
| Property Taxes | $260 | $3,120 |
| Electricity | $291 | $3,501 |
| Total | $2,793 | $33,516 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-05 | Listed for sale | $369,000 |
| 2026-03-17 | Listing removed | $389,000 |
| 2026-03-12 | Price change | $389,000 |
| 2025-04-09 | Price change | $399,000 |
| 2025-01-06 | Price change | $429,000 |
| 2024-11-08 | Price change | $469,000 |
| 2024-07-31 | Listed for sale | $477,000 |
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