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521 York St, Athens, TX, 75751

4beds
3baths
1,783sqft
$279,000
$156price/sqft
$2,186/moest. monthly cost
$87,440/yrincome needed

About This Home

This charming two-story home built in 2022 offers modern, move-in-ready appeal. Boasting 4 bedrooms and 3 full bathrooms, it showcases a bright open-concept living area with abundant natural light and warm wood flooring. The stylish kitchen features a large island, built-in gas range, stainless-steel appliances, ample cabinet space, and an eat-in breakfast nook. Main living areas are accented with decorative lighting and quality woodwork, creating an inviting atmosphere. On the first floor, an additional bedroom and full bath provide versatile space. Upstairs, the private primary suite includes a double-vanity master bath and generous closet space for comfort. Outside, the low-maintenance yard and oversized driveway provide ample parking RV boat ready. There’s no HOA, and residents enjoy quick access to downtown Athens shops, dining, and community events. Top-rated Athens ISD schools Central Elementary, Athens Middle, and Athens High are nearby. Other highlights include abundant storage, a convenient upstairs laundry, and energy-efficient systems. Don’t miss the chance to own this beautifully finished home in a prime location schedule your private tour today!

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

4/10
4/10
Athens Middle SchoolGrades 6-83.7 mi
3/10
Athens High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2022

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Dishwasher,Disposal,Gas Range,Gas Water Heater,Microwave

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Built-in Features,Decorative/Designer Lighting Fixtures,Double Vanity,Eat-in Kitchen,High Speed Internet,Open Floorplan,Cable TV,Natural Woodwork

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,783 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 29550001012A01

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 2,787 sqft

Parking

  • Parking features: Additional Parking,Driveway,No Garage,On Site,Oversized,On Street
  • Has uncovered spaces: 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

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Heat Wave
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Texas Counties

Severe Storm
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 $1,410$16,920
Home Insurance *$311$3,732
Property Taxes $227$2,724
Electricity $238$2,859
Total$2,186$26,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,948/yr
40% on housing$65,580/yr
45% on housing$58,293/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$156This listing

vs Other Active Listings

Avg $/sqft

ZIP 75751$148
Henderson County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 75751$131
Henderson County$172

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
2026-05-04Price change$279,000
2026-04-22Price change$280,000
2026-03-03Price change$285,000
2026-02-21Listed for sale$289,000

For Sale by Agent

AgentBrando Villatoro
BrokerageReal Broker, LLC

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