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420 County Road 1130, Cumby, TX, 75433

5beds
3baths
2,342sqft
$444,990
$190price/sqft
$3,069/moest. monthly cost
$122,760/yrincome needed

About This Home

Looking for a spacious place to call home? Well look no further! This beautiful 5 bedroom house has plenty of space to grow into.. tastefully placed on 5 acres of land, there is so much to see and love about this property- whether it be the open concept of the interior or the nature of the exterior. Call me for more information on this gem today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
CUMBY COLLEGIATE ELGrades PK-24.7 mi
6/10
Cumby High SchoolGrades 8-124.6 mi
3/10
Cumby Collegiate MiddleGrades 3-74.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2023

Materials

  • Roof: Composition

Type & Style

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

Interior

Appliances

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

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 10 x 9

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Dimensions: 15 x 18

Features

  • Decorative/Designer Lighting Fixtures,Open Floorplan,Pantry,Cable TV,Walk-In Closet(s)

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,342 sqft

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 15 x 17

Master Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 13 x 13

Property

Details

  • Parcel number: R000030410
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 5 Acres

Parking

  • Parking features: Additional Parking

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
  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Strong Wind
Tornado
Hail
Heat Wave
Inland Flooding
Lightning
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 $2,250$27,000
Home Insurance *$310$3,720
Property Taxes $252$3,024
Electricity $257$3,085
Total$3,069$36,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,222/yr
40% on housing$92,070/yr
45% on housing$81,840/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 75433$143
Hopkins County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 75433$163
Hopkins County$173

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
2026-07-29Price change$444,990
2026-06-15Price change$450,000
2026-06-02Listed for sale$460,000
2025-12-23Sold--
2025-11-20Pending sale$389,999
2025-11-11Contingent$389,999
2025-11-07Listed for sale$389,999

For Sale by Agent

AgentBryannAlvi Alvidrez
BrokerageDecorative Real Estate

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