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408 McKinley St, Desoto, TX, 75115

4beds
4baths
2,775sqft
$526,950
$190price/sqft
$4,131/moest. monthly cost
$165,240/yrincome needed

About This Home

MLS# 21086578 - Built by First Texas Homes - Ready Now! ~ Discover this stunning two-story home in the desirable Summit Parks community of DeSoto. Offering 2,775 sq ft, this residence features 4 spacious bedrooms, 3.5 bathrooms, and a 3-car garage. Enjoy the open-concept family room seamlessly connected to a modern kitchen, perfect for entertaining. Relax on the large covered patio or gather in the upstairs game room. The elegant curved staircase adds a touch of sophistication, leading to three bedrooms on the second floor. Schedule your private tour today and make this exceptional home yours!

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

2/10
3/10
Desoto High SchoolGrades 9-121.1 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Stucco

Other

  • Builder name: First Texas Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal

Bedroom

  • Level: Second
  • Dimensions: 12 x 13

Bedroom

  • Level: Second
  • Dimensions: 12 x 13

Bedroom

  • Level: Second
  • Dimensions: 14 x 12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Dimensions: 8 x 12

Features

  • Decorative/Designer Lighting Fixtures,Smart Home,Vaulted Ceiling(s),Wired for Sound
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Gas Starter
  • Fireplace: Yes

Game Room

  • Level: Second
  • Dimensions: 13 x 17

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,775 sqft

Kitchen

  • Level: First
  • Dimensions: 17 x 13

Living Room

  • Level: First
  • Dimensions: 20 x 16

Master Bedroom

  • Level: First
  • Dimensions: 15 x 13

Office

  • Level: First
  • Dimensions: 10 x 10

Property

Details

  • Parcel number: 200998400J0020000

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Rain Gutters
  • Fencing: Wood

Lot

  • Lot size: 10,018 sqft
  • Features: Interior Lot,Subdivision,Sprinkler System
  • Lot size dimensions: 100 x 146

Parking

  • Total spaces: 6
  • Parking features: Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 3

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

  • Heat Wave
    Heat WaveVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Hail
Inland Flooding
Tornado
Winter Weather

FEMA Declared Disasters Across Texas Counties

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 $2,664$31,968
Home Insurance *$527$6,324
Property Taxes $636$7,632
Electricity $304$3,656
Total$4,131$49,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,634/yr
40% on housing$123,930/yr
45% on housing$110,160/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
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 75115$154
Dallas County$232

vs Homes Sold Last Month

Median $/sqft

ZIP 75115$147
Dallas County$190

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
2026-01-21Price change$586,666
2026-01-20Price change$586,950
2025-10-13Listed for sale$586,666

New Construction Spec

AgentBen Caballero
BrokerageHomesUSA.com

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