3402 Prato Ln, Temple, TX, 76502
About This Home
Located in the desirable Bella Terra neighborhood, this beautifully designed home offers 3 spacious bedrooms, each with its own en-suite bathroom, plus a convenient powder bath off the main living area, plus a dedicated study, and two dining areas. The open living space features a wood-beamed ceiling and a cozy electric fireplace, creating a warm and inviting atmosphere. The formal dining room flows seamlessly into the living area, perfect for entertaining. The gourmet kitchen is equipped with dual pantries, modern GE appliances, including a gas cooktop, custom vent hood, soft-close cabinetry, and a large island ideal for meal prep and casual dining. Additional highlights include: Spray foam insulation for energy efficiency Wood-look ceramic tile flooring in main areas Ceiling fans throughout Living Room Floor Plug Automatic sprinkler system Fully sodded yard with professional landscaping 3-car garage Water Softener Loop Located in the vibrant Bella Terra community, residents enjoy access to top-tier amenities like a community pool, playground, and proximity to highly rated schools, shopping, dining, and BSW Hospital. With easy access to I-35, commuting is a breeze.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2025
Materials
- Foundation: Slab
- Roof: Composition,Shingle
- Construction materials: Masonry,Spray Foam Insulation
Other
- Builder name: Carothers Exec Homes
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Cooktop,Disposal,Gas Water Heater,Multiple Water Heaters,Oven,Plumbed For Ice Maker,Range Hood,Vented Exhaust Fan,Some Gas Appliances,Built-In Oven,Cooktop,Microwave
- Laundry features: Inside,Laundry Room,Laundry Tub,Sink
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Beamed Ceilings,Built-in Features,Ceiling Fan(s),Crown Molding,Dining Area,Separate/Formal Dining Room,Double Vanity,Entrance Foyer,Garden Tub/Roman Tub,Home Office,MultipleDining Areas,Open Floorplan,Pull Down Attic Stairs,Recessed Lighting,Split Bedrooms,Shower Only,Separate Shower,Tub Shower,Walk-In Closet(s),Custom Cabinets,Granite Counters
- Flooring: Carpet,Ceramic Tile
- Number of fireplaces: 1
- Fireplace features: Electric,Living Room
- Fireplace: Yes
- Attic: Pull Down Stairs
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total interior livable area: 2,371 sqft
Property
Details
- Parcel number: 506175
- Special condition: Builder Owned
Features
- Levels: One
- Stories: 1
- Pool features: Community,In Ground
- Patio & porch: Covered,Patio,Porch
- Exterior features: Covered Patio,Porch
- Fencing: Back Yard,Privacy
- Has view: Yes
- View description: None
- Waterbody name: None
Lot
- Lot size: 0.39 Acres
Parking
- Total spaces: 3
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Hail
- Lightning
- Winter Weather
- Heat Wave
- Inland Flooding
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 | $2,609 | $31,308 |
| Home Insurance * | $332 | $3,984 |
| Property Taxes | $1,025 | $12,300 |
| Electricity | $260 | $3,124 |
| Total | $4,226 | $50,712 |
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 |
|---|---|---|
| 2025-11-06 | Listed for sale | $516,000 |
View on Zillow