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289 E Bell Rd, Waco, TX, 76705

4beds
3baths
2,928sqft
$925,000
$316price/sqft
$7,707/moest. monthly cost
$308,280/yrincome needed

About This Home

Welcome to 289 E Bell Rd in Gholson—where modern farmhouse design meets wide-open Texas living on 12.54 beautiful acres. Built in 2023 by BAM Builders, this custom home offers 2,928 sqft of thoughtfully designed space, blending high-end finishes with everyday functionality. Inside, the open-concept layout is anchored by soaring vaulted ceilings, exposed beams, and custom cabinetry throughout. The kitchen is a true showpiece, featuring a massive granite island, gas range with pot filler, custom open shelving, and a dedicated coffee bar nook. An oversized walk-in pantry keeps everything organized and clutter-free, while a hidden office nook provides a perfect work-from-home setup.The isolated primary suite is a private retreat, complete with sliding barn doors, a beautiful garden tub, dual vanities, and a spacious walk-in closet. Upstairs, a versatile bonus room with its own half bath offers flexibility as a fourth bedroom, media room, or creative space. Additional highlights include a large laundry room with abundant storage and a fully finished garage featuring a custom dog kennel and built-in dog wash station. Step outside and enjoy the best of country living with a large covered patio, complete with a fireplace and mounted TV—perfect for relaxing or entertaining. The property also features a gazebo, greenhouse, and custom metal planter boxes for those who love to grow their own food. A stocked tank with catfish and minnows adds to the charm and functionality of the land. For those needing workspace or storage, the massive custom metal shop is a standout, offering two huge oversized bays and a covered RV pad with full hookups. A plumbed shower and bathroom inside the shop makes this space capable of being its own living space. A lofted area can double as more storage or even a future apartment living space. The acreage can be mowed for hay and the low property taxes makes this home an ideal spot for your and your family to enjoy the Texas countryside

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Gholson SchoolGrades PK-121.8 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Dishwasher,Gas Cooktop,Tankless Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Features: Built-in Features
  • Level: Second
  • Dimensions: 0 x 0

Features

  • Chandelier,Decorative/Designer Lighting Fixtures,Granite Counters,Kitchen Island,Open Floorplan,Pantry,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Luxury Vinyl Plank
  • Number of fireplaces: 2
  • Fireplace features: Living Room
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 2,928 sqft

Living Room

  • Features: Built-in Features,Ceiling Fan(s),Fireplace
  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 240201030004000
  • Attached to another structure: Yes

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Fire Pit,Kennel,RV Hookup
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Residential vegetation: Grassed,Partially Wooded

Lot

  • Lot size: 12.54 Acres
  • Features: Acreage,Pasture,Waterfront

Parking

  • Total spaces: 3
  • Parking features: Additional Parking,Carport,Driveway,Gravel,Oversized,RV Garage,RV Carport,Boat,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Lightning
Hail
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $4,677$56,124
Home Insurance *$884$10,608
Property Taxes $1,825$21,900
Electricity $321$3,858
Total$7,707$92,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$264,240/yr
40% on housing$231,210/yr
45% on housing$205,520/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: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$316This listing

vs Other Active Listings

Avg $/sqft

ZIP 76705$141
McLennan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 76705$151
McLennan County$167

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
2026-04-17Listed for sale$975,000

For Sale by Agent

AgentRussell Segler
BrokerageAG Real Estate & Associates

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