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11243 State Highway 19 S, Lovelady, TX, 75851

0beds
1baths
3,700sqft
$345,000
$93price/sqft
$2,891/moest. monthly cost
$115,640/yrincome needed

About This Home

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 2010

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Aluminum Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bathrooms: 1
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,700
  • Total interior livable area: 3,700 sqft

Property

Details

  • Parcel number: 0034199

Features

  • Stories: 1

Lot

  • Lot size: 1.64 Acres
  • Features: Cleared,1 Up to 2 Acres

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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Heat Wave
Strong Wind
Tornado
Drought
Hurricane
Ice Storm
Wildfire
Winter Weather

FEMA Declared Disasters Across Texas Counties

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 $1,744$20,928
Home Insurance *$526$6,312
Property Taxes $215$2,580
Electricity $406$4,875
Total$2,891$34,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,120/yr
40% on housing$86,730/yr
45% on housing$77,093/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: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.8%
-5.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 75851$156
Houston County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 75851
Houston County$117

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)

No zestimate history available

Price History

DateEventPrice
2026-01-10Price change$365,000
2025-10-06Price change$375,000
2025-07-01Price change$399,000
2025-03-09Price change$419,000
2025-02-11Listed for sale$449,000
2024-08-05Listing removed$169,500
2024-04-13Listed for sale$189,000

For Sale by Agent

AgentJessica Crowson
BrokerageCarmichael Properties

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