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89 Hill Top Rd, Huntsville, TX, 77320

2beds
1baths
991sqft
$139,000
$140price/sqft
$1,182/moest. monthly cost
$47,280/yrincome needed

About This Home

This cute cabin has a large living and dining space in the center of the home. Full-size kitchen features breakfast bar and large pantry. The spacious loft has been used as the master bedroom. The downstairs bedroom is conveniently located to the bathroom, kitchen, and covered outdoor deck. The property includes a 12x20 outbuilding with a covered porch that was previously used as an office. Home includes front screened porch, side deck, and covered back deck. Subdivision offers a community boat launch.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

2/10
5/10
Mance Park Middle SchoolGrades 7-87.0 mi
2/10
Huntsville High SchoolGrades 9-126.9 mi

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Block & Beam
  • Roof: Composition
  • Construction materials: Other,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

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

Interior Area

  • Total structure area: 991
  • Total interior livable area: 991 sqft

Property

Details

  • Parcel number: 35103

Features

  • Stories: 2

Lot

  • Lot size: 0.53 Acres
  • Features: Cleared,1/2 Up to 1 Acre

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
  • Tornado
    TornadoVery High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $702$8,424
Home Insurance *$120$1,440
Property Taxes $122$1,464
Electricity $238$2,859
Total$1,182$14,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,525/yr
40% on housing$35,460/yr
45% on housing$31,520/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 12.0%
12.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 77320$171
Walker County$215

vs Homes Sold Last Month

Median $/sqft

ZIP 77320$155
Walker County$140

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
2026-04-16Price change$139,000
2025-05-30Price change$185,000
2025-04-25Price change$220,000
2025-02-06Listed for sale$225,000

For Sale by Agent

AgentFrank Olivares
BrokeragePinnacle Realty Advisors

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