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218 KELLY ST, Center Pt, TX, 78010

2beds
1baths
980sqft
$199,950
$204price/sqft
$1,533/moest. monthly cost
$61,320/yrincome needed

About This Home

Welcome to the small-town Hill Country living in the heart of Center Point, Texas! Conveniently located at 218 East Kelly St and less then a quarter mile to the local schools, this charming 2-bedroom, 1-bath home offers comfort, updates, and affordability all in one package. Situated on a spacious 0.167 acre lot, this 1980-built home features recent interior improvements including new kitchen cabinets, updated butcher block countertops, and a stylish tile backsplash that gives the kitchen a fresh modern feel. The functional layout provides a cozy living space with plenty of natural light and room to make it your own. Whether you're a first time homebuyer, downsizing, or looking for an investment opportunity, this property offers excellent value at $210,000. Enjoy the peaceful atmosphere of Center Point while still being conveniently close to Kerrville, shopping, dining, and the beautiful Texas Hill Country.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
5/10
Center Point MiddleGrades 6-80.2 mi
4/10
Center Point High SchoolGrades 9-120.2 mi

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 1980

Materials

  • Roof: Metal
  • Construction materials: Wood Siding,Siding,Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Built-In Oven
  • Laundry features: Laundry Room,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 128

Bedrooms & Bathrooms

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

Features

  • One Living Area,Liv/Din Combo,Master Downstairs,Ceiling Fan(s),Central Vacuum
  • Flooring: Wood,Laminate
  • Fireplace features: Not Applicable
  • Attic: Access Only,Expandable

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 980 sqft

Kitchen

  • Area: 64

Living Room

  • Area: 285

Master Bedroom

  • Features: Ceiling Fan(s)
  • Area: 168

Property

Details

  • Parcel number: 15224

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio
  • Fencing: Privacy
  • Residential vegetation: Mature Trees (ext feat)

Lot

  • Lot size: 7,666 sqft
  • Features: Level

Parking

  • Parking features: None

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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Severe Storm
Straight Line Winds
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 $1,011$12,132
Home Insurance *$136$1,632
Property Taxes $148$1,776
Electricity $238$2,859
Total$1,533$18,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,560/yr
40% on housing$45,990/yr
45% on housing$40,880/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: 6.5%
6.5%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -3.4%
-3.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 78010$403
Kerr County$337

vs Homes Sold Last Month

Median $/sqft

ZIP 78010$251
Kerr County$191

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
2026-07-25Price change$199,950
2026-06-29Price change$210,000
2026-06-17Listed for sale$220,000
2010-01-13Sold--

For Sale by Agent

AgentGregory Scott
BrokerageColdwell Banker D'Ann Harper

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