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6103 Salerno St, Temple, TX, 76502

4beds
2baths
2,120sqft
$434,000
$205price/sqft
$3,573/moest. monthly cost
$142,920/yrincome needed

About This Home

Discover luxury and tranquility in the Monte Carlo plan, a masterpiece boasting a thoughtfully designed layout and exquisite features. This home is a sanctuary for relaxation, offering 4 bedrooms, 2 bathrooms, a 2-car garage, and 2120 square feet of living space. The family room is a large open design with plenty of natural lighting, beamed ceilings, and an electric fireplace offering a perfect space to relax, unwind, and create lasting memories. The spa-Like Master Bath is the epitome of relaxation. This space is designed to elevate your daily routine with features that go beyond the ordinary. From the vaulted ceilings, natural light, opposing vanities, dual-entry walk-in shower, and elegant garden tub, you will find the ultimate spot for relaxing. His and Hers walk-in closets in the Master bedroom offer the ideal solution for ample storage. Additional features include Spray Foam Insulation, Wood-Look Ceramic Tile Flooring, Ceiling Fans, Granite Countertops, Custom Soft-Close Cabinets and Drawers, Gas Cooktop and Vent Hood, Built-In Oven and Microwave, Automatic Sprinkler System, and a Fully Sodded Yard with Landscaping. Bella Terra is convenient to schools, shopping, restaurants, and BSW Hospital. Residents will enjoy the use of the community playground and swimming pool that is now open just in time for Summer!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

3/10
6/10
Bonham Middle SchoolGrades 6-82.1 mi
3/10
Temple High SchoolGrades 8-124.9 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

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,Oven,Plumbed For Ice Maker,Range Hood,Vented Exhaust Fan,Some Gas Appliances,Built-In Oven,Microwave
  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Built-in Features,Ceiling Fan(s),Double Vanity,Entrance Foyer,Garden Tub/Roman Tub,High Ceilings,His and Hers Closets,Multiple Closets,Open Floorplan,Pull Down Attic Stairs,Recessed Lighting,Split Bedrooms,Separate Shower,Tub Shower,Vaulted Ceiling(s),Walk-In Closet(s),Custom Cabinets,Granite Counters,Kitchen Island,Kitchen/Family Room Combo
  • 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: 2,120 sqft

Property

Details

  • Parcel number: 506292
  • 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: 0.28 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Lightning
Winter Weather
Heat Wave
Inland Flooding

FEMA Declared Disasters Across Texas Counties

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 $2,194$26,328
Home Insurance *$279$3,348
Property Taxes $862$10,344
Electricity $238$2,859
Total$3,573$42,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,502/yr
40% on housing$107,190/yr
45% on housing$95,280/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: 6.8%
6.8%
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

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 76502$142
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76502$159
Bell County$145

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
2026-03-03Listed for sale$434,000

New Construction

AgentWendy Nichols
BrokerageCarothers Executive Homes

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