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3499 Silk Tree Rd, Gilmer, TX, 75645

5beds
4baths
2,756sqft
$675,000
$245price/sqft
$4,727/moest. monthly cost
$189,080/yrincome needed

About This Home

Modern farmhouse on land with all the country living perks. This nearly new 5 bedroom, 3.5 bath home sits on approximately 6.62 fully fenced acres with a pool, a 30 by 30 insulated shop, a chicken coop and wide open space. The home also features two primary suites, each with its own private en suite bath. Inside, you will love the open concept living room with a vaulted ceiling, wood burning fireplace with gas starter and durable luxury vinyl plank flooring. The kitchen features an 8 foot island, granite countertops, subway tile backsplash, farmhouse sink, electric range, microwave and a huge walk in pantry. A combined mud room and laundry room offers a sink, folding space and backpack drop zone. The two primary suites are ideal for families or multigenerational living. One includes a soaking tub, separate shower, double sinks, walk in closet and an in home sauna. Additional bedrooms offer walk in closets and share a large hall bath plus a convenient half bath for guests. Outside, enjoy the fenced pool with a large deck added in 2024, the newly built chicken coop and the insulated shop with electricity, two overhead doors and an overhang for equipment or toys. A large covered parking area fits 3 to 4 vehicles, and a concrete drive extension provides easy access to the shop. This is the East Texas country lifestyle buyers are searching for, with modern finishes, space to spread out and room for all your hobbies, animals and toys.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

8/10
8/10
7/10
Union Grove High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Wood/Frame,Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Elec Range/Oven,Microwave,Dishwasher,Disposal,Refrigerator,Gas Water Heater,Tankless Water Heater
  • Laundry features: Laundry Room

Bathroom

  • Features: Shower Only,Shower and Tub,Double Vanity,Walk-In Closet(s),Granite Counters

Bedroom

  • Features: Master Bedroom Split,Walk-In Closet(s)

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • High Ceilings,Pantry,Granite Counters,Breakfast Bar,Eat-in Kitchen
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Living Room,Gas Starter
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central Electric
  • Cooling features: Central Electric

Interior Area

  • Total interior livable area: 2,756 sqft

Property

Details

  • Parcel number: 65110462
  • Exclusions: N/A

Features

  • Levels: One
  • Stories: 1
  • Pool features: Above Ground,Fenced
  • Patio & porch: Covered
  • Fencing: Wood,Metal Fence,Barbed Wire
  • Topography of land: Level
  • Residential vegetation: Cluster
  • Living area range: 2501-3000

Lot

  • Lot size: 6.62 Acres
  • Features: Landscaped,Native Grass,Sandy Loam

Parking

  • Total spaces: 6
  • Parking features: Both,Garage Faces Side,Workshop in Garage,Attached,Detached,Rear/Side Entry,Parking Pad,Concrete
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6
  • Has uncovered spaces: Yes
  • Carport: Yes

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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane

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 $3,413$40,956
Home Insurance *$654$7,848
Property Taxes $358$4,296
Electricity $302$3,631
Total$4,727$56,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,068/yr
40% on housing$141,810/yr
45% on housing$126,053/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: 3.4%
3.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -7.9%
-7.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$245This listing

vs Other Active Listings

Avg $/sqft

ZIP 75645$174
Upshur County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 75645$157
Upshur County$118

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
2026-04-03Price change$675,000
2026-03-20Price change$699,900
2026-01-05Listed for sale$715,000

For Sale by Agent

AgentJulie B Woods
BrokerageJulie Woods & Associate RE Firm

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