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1321 Speck Ln, Hewitt, TX, 76643

4beds
3baths
2,280sqft
$499,990
$219price/sqft
$3,994/moest. monthly cost
$159,760/yrincome needed

About This Home

MLS# 21282000 - Built by J Houston Homes - Ready Now! ~ NEW JOHN HOUSTON HOME IN BULL HIDE ESTATES IN LORENA ISD. This gorgeous new Denver floorplan offers a vaulted ceilings in the family room, 4 bedrooms, 2.5 bathrooms, wonderful energy efficient windows that allow natural light into the home. The home also features a large pantry and 3rd row seasonal primary closet. The stunning kitchen features wood custom cabinets with a designer wood hood, built-in appliances, elegant countertops and a large island for all of your entertainment needs. Luxurious VP flooring throughout all the main areas and many more quality upgrades. This home is a must see! AVAILABLE JUNE 2026.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

--
Lorena Primary SchoolGrades PK-22.3 mi
9/10
Lorena Middle SchoolGrades 6-82.9 mi
8/10
Lorena High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Rock,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Electric Water Heater,Disposal,Microwave
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Laundry in Utility Room

Bedroom

  • Level: First
  • Dimensions: 11 x 10

Bedroom

  • Level: First
  • Dimensions: 11 x 10

Bedroom

  • Level: First
  • Dimensions: 12 x 13

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Dimensions: 17 x 12

Features

  • Double Vanity,Eat-in Kitchen,Granite Counters,High Speed Internet,Kitchen Island,Open Floorplan,Pantry
  • Flooring: Carpet,Ceramic Tile,Luxury Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,280 sqft

Living Room

  • Level: First
  • Dimensions: 22 x 19

Master Bedroom

  • Level: First
  • Dimensions: 16 x 15

Property

Details

  • Parcel number: 300610220004190

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered
  • Fencing: Full,Wood

Lot

  • Lot size: 0.26 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Heat Wave

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $2,528$30,336
Home Insurance *$366$4,392
Property Taxes $850$10,200
Electricity $250$3,004
Total$3,994$47,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,937/yr
40% on housing$119,820/yr
45% on housing$106,506/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: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 76643$162
McLennan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 76643$173
McLennan County$167

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
2026-08-06Pending sale$499,990
2026-06-29Price change$499,990
2026-05-26Listed for sale$549,990

For Sale by Agent

AgentBen Caballero
BrokerageHomesUSA.com

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