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404 N Wilson St, Madisonville, TX, 77864

3beds
2baths
1,372sqft
$275,000
$200price/sqft
$2,086/moest. monthly cost
$83,440/yrincome needed

About This Home

Welcome home to 403 White St., an exceptional one-story home sitting on a quiet street in the heart of Madisonville, TX. The inviting Hardi Plank home offers the perfect blend of small-town comfort and everyday convenience, located just minutes from local downtown amenities - shopping, dining, and schools. Featuring 1372 SF of interior open concept living space with a split plan, 3 bedrooms, 2 full bathrooms, tile floors throughout, a spacious kitchen and an attached carport. Outdoors, the property offers two entrances - one on N Wilson St. and the other on 403 White St., with a privacy fenced yard and showcasing the main centerpiece of the property - the impressive 22X46 metal shop with 1/2 bath, water, and electricity. Whether you are purchasing your first home or downsizing, this is a wonderful opportunity to own a beautiful home with an oversized shop.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

6/10
Madisonville High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2010

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Cement Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • All Bedrooms Down
  • Flooring: Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,372
  • Total interior livable area: 1,372 sqft

Property

Details

  • Parcel number: 21752

Features

  • Stories: 1
  • Fencing: Full

Lot

  • Lot size: 9,400 sqft
  • Features: Cleared,0 Up To 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: No Garage,Attached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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 WaveVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Hurricane
    HurricaneRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
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 $1,390$16,680
Home Insurance *$239$2,868
Property Taxes $219$2,628
Electricity $238$2,859
Total$2,086$25,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,520/yr
40% on housing$62,580/yr
45% on housing$55,626/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 77864$147
Madison County$214

vs Homes Sold Last Month

Median $/sqft

ZIP 77864
Madison County$135

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
2026-02-06Listed for sale$275,000

For Sale by Agent

AgentZulma Cuevas
BrokerageDBL Real Estate

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