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TRACT D Two Shoal Hwy #95, Smithville, TX, 78957

--beds
--baths
--sqft
$320,000
--price/sqft
$2,385/moest. monthly cost
$95,400/yrincome needed

About This Home

Come see this beautiful property which has many possibilities, small farm or ranch, possibly commercial, great for horses, cattle, goats, and chickens.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
Brown Primary SchoolGrades PK-K7.3 mi
4/10
5/10
Smithville High SchoolGrades 9-126.9 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Property

Details

  • Parcel number: 8724150
  • Special condition: See Remarks

Features

  • Fencing: Barbed Wire, Fenced, Gate, Livestock
  • Has view: Yes
  • View description: Panoramic,Pasture,Rural,Trees/Woods
  • Waterfront features: None

Lot

  • Lot size: 10.10 Acres
  • Features: Agricultural

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 FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

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 $1,618$19,416
Home Insurance *$218$2,616
Property Taxes $311$3,732
Electricity $238$2,859
Total$2,385$28,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,771/yr
40% on housing$71,550/yr
45% on housing$63,600/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 78957$286
Bastrop County$331

vs Homes Sold Last Month

Median $/sqft

ZIP 78957$192
Bastrop County$182

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
2025-06-04Listed for sale$350,000

For Sale by Agent

AgentKelley Harris
BrokerageStanberry REALTORS

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