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108 Emma Ct, Decatur, TX, 76234

4beds
3baths
2,280sqft
$549,000
$241price/sqft
$3,898/moest. monthly cost
$155,920/yrincome needed

About This Home

Thoughtfully designed single-story home offering approximately 2,280 square feet of living space, featuring a well-planned layout that combines comfort, style, and efficient use of space. The open-concept kitchen, dining, and great room serve as the heart of the home, enhanced by a fireplace and easy access to the covered patio—ideal for everyday living and entertaining. The kitchen includes a central island, walk-in pantry, and convenient flow to the utility and mudroom areas. A separate study provides a quiet space suitable for a home office, reading room, or creative use. The private owner’s suite is situated apart from the secondary bedrooms and features a spacious bedroom, walk-in closet, and ensuite bath with dual vanities, soaking tub, and separate shower. Secondary bedrooms are positioned on the opposite side of the home, offering separation from the primary living areas.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
Carson Elementary SchoolGrades PK-510.0 mi
6/10
McCarroll Middle SchoolGrades 6-811.7 mi
5/10
Decatur High SchoolGrades 9-1210.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Cooktop,Disposal,Microwave,Vented Exhaust Fan
  • Laundry features: Washer Hookup,Dryer Hookup

Bedroom

  • Level: First
  • Dimensions: 12 x 11

Bedroom

  • Level: First
  • Dimensions: 12 x 11

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 11 x 10

Features

  • Open Floorplan
  • Flooring: Carpet,Engineered Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 2,280 sqft

Kitchen

  • Level: First
  • Dimensions: 11 x 14

Living Room

  • Level: First
  • Dimensions: 18 x 18

Master Bedroom

  • Level: First
  • Dimensions: 13 x 14

Office

  • Level: First
  • Dimensions: 11 x 11

Property

Details

  • Parcel number: 201124656
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered

Lot

  • Lot size: 1 Acres
  • Features: Acreage,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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 WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Ice Storm
Strong Wind
Tornado
Wildfire

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 $2,776$33,312
Home Insurance *$374$4,488
Property Taxes $498$5,976
Electricity $250$3,004
Total$3,898$46,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,645/yr
40% on housing$116,940/yr
45% on housing$103,946/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: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 76234$212
Wise County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 76234$202
Wise County$178

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
2026-03-20Listed for sale$579,000

New Construction

AgentSasha Martin
BrokerageAgape and Associates LLC

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