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1314 Birch St, Howe, TX, 75459

4beds
4baths
2,716sqft
$635,000
$234price/sqft
$4,780/moest. monthly cost
$191,200/yrincome needed

About This Home

**SELLER IS OFFERING $10K TOWARDS BUYERS CLOSING COSTS** Welcome to 1314 Birch St. in Howe, TX—where modern luxury meets peaceful country living! Built in 2022 and situated on a full 1-acre lot, this stunning 4-bedroom, 3.5-bath home offers 2,671 square feet of beautifully designed living space with high-end finishes and over $150,000 in premium upgrades. The thoughtfully designed floor plan features a private primary suite downstairs, creating the perfect owner's retreat, while three additional bedrooms provide plenty of room for family, guests, or entertaining. The open-concept living area is highlighted by soaring vaulted ceilings, decorative lighting, a cozy wood-burning fireplace, and an abundance of natural light. The chef-inspired kitchen offers generous cabinetry, ample counter space, double ovens, and an eat-in dining area perfect for everyday living or hosting gatherings. The dedicated office features premium hardwood flooring, making it an ideal work-from-home space. Step outside to enjoy the expanded patio and driveway, professionally designed landscaping and hardscaping, and a premium 6-foot California Cedar (Stormproof) privacy fence that creates a backyard built for relaxing and entertaining. Additional upgrades include premium hardwood flooring in the office, primary bedroom, and closet, upgraded interior lighting, a Level 3 impact-resistant roof with new gutters, upgraded garage doors, new hot water heaters, and solar screens for improved energy efficiency and comfort. The oversized side-entry 3-car garage offers plenty of room for vehicles, tools, and hobbies. Located in the highly desirable Hickory Hills subdivision with no HOA, this exceptional property combines the tranquility of country living with convenient access to Sherman, McKinney, and the rapidly growing North Texas corridor. If you've been searching for a move-in-ready home with designer upgrades, room to spread out, and modern amenities, 1314 Birch St. is one you won't want to miss!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Howe Intermediate SchoolGrades 3-53.2 mi
7/10
Howe Middle SchoolGrades 6-83.2 mi
7/10
Howe High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Rock,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Electric Cooktop,Electric Oven,Disposal
  • Laundry features: Washer Hookup,Dryer Hookup,Laundry in Utility Room

Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 0 x 0

Family Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Features

  • Built-in Features,Decorative/Designer Lighting Fixtures,Eat-in Kitchen,High Speed Internet,Open Floorplan,Pantry,Cable TV,Vaulted Ceiling(s),Natural Woodwork,Wired for Sound
  • Window features: Bay Window(s),Window Coverings
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Fireplace(s)
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total interior livable area: 2,716 sqft

Kitchen

  • Features: Breakfast Bar,Built-in Features,Eat-in Kitchen,Granite Counters,Pantry
  • Level: First
  • Dimensions: 0 x 0

Living Room

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

Master Bathroom

  • Features: Built-in Features,Dual Sinks,Double Vanity,En Suite Bathroom,Granite Counters,Jetted Tub,Linen Closet,Separate Shower
  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Features: Ceiling Fan(s),Double Vanity,En Suite Bathroom,Jetted Tub,Linen Closet,Sitting Area in Primary,Separate Shower,Walk-In Closet(s)
  • Level: First
  • Dimensions: 0 x 0

Office

  • Features: Ceiling Fan(s),Other
  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 434647
  • Exclusions: Large Rocks on Patio.

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Rear Porch,Front Porch,Patio,Covered
  • Exterior features: Rain Gutters
  • Fencing: Wood

Lot

  • Lot size: 1 Acres
  • Features: Acreage,Interior Lot,Landscaped,Sprinkler System

Parking

  • Total spaces: 4
  • Parking features: Door-Multi,Direct Access,Driveway,Garage,Garage Door Opener,Inside Entrance,Kitchen Level,On Site,Oversized,RV Garage,Garage Faces Side,On Street
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Wildfire
Winter Weather

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 $3,210$38,520
Home Insurance *$566$6,792
Property Taxes $706$8,472
Electricity $298$3,578
Total$4,780$57,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,885/yr
40% on housing$143,400/yr
45% on housing$127,466/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: 4.0%
4.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 75459$195
Grayson County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 75459$142
Grayson County$164

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
2026-07-09Listed for sale$635,000

For Sale by Agent

AgentStephen Harrison
BrokerageEXP REALTY

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