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3518 Helena St, Gainesville, TX, 76240

4beds
2baths
1,939sqft
$340,000
$175price/sqft
$2,602/moest. monthly cost
$104,080/yrincome needed

About This Home

Estimated June 2026 completion! Owner financing available! Ask us about our Trade In Trade Up program, we can buy your home! Welcomed by a pillared front porch, the long foyer opens into a grand family room complete with a fireplace. The kitchen is positioned against the back wall as the stage so you can look out and observe all things going on. With three equally-sized spare bedrooms, you’ll have space for your family and any visitors. A walk-in mudroom off the garage allows for more storage of your day-to-day items. The owner’s suite is a perfect getaway, tucked in the back corner past the family room. Entering this space, you’ll have a splendid view into the backyard. All the natural light will make this oasis feel even more tranquil. The bedroom leads into the owner's bath with a double-sink vanity, stand-up shower, and tub perfect for unwinding after a long day. There’s no shortage of storage in this luxurious ranch-style home with closets in every room, extended countertops in the kitchen, corner pantry, and coat closet.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

2/10
3/10
3/10
Gainesville High SchoolGrades 9-123.5 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Some Gas Appliances,Dishwasher,Disposal,Gas Range,Microwave,Plumbed For Gas,Vented Exhaust Fan
  • Laundry features: Washer Hookup,Dryer Hookup,ElectricDryer Hookup,Laundry in Utility Room

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 12 x 11

Features

  • Decorative/Designer Lighting Fixtures,Eat-in Kitchen,High Speed Internet,Kitchen Island,Open Floorplan,Pantry,Cable TV,Walk-In Closet(s)
  • Flooring: Carpet,Ceramic Tile,Luxury Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas Starter,Masonry,Stone,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,ENERGY STAR Qualified Equipment,Fireplace(s),Heat Pump
  • Cooling features: Central Air,Ceiling Fan(s),Electric,ENERGY STAR Qualified Equipment,Heat Pump

Interior Area

  • Total interior livable area: 1,939 sqft

Kitchen

  • Features: Built-in Features,Eat-in Kitchen,Granite Counters,Kitchen Island,Pantry,Stone Counters,Walk-In Pantry
  • Level: First
  • Dimensions: 20 x 11

Living Room

  • Features: Ceiling Fan(s),Fireplace
  • Level: First
  • Dimensions: 20 x 15

Master Bedroom

  • Features: Ceiling Fan(s),Dual Sinks,En Suite Bathroom,Garden Tub/Roman Tub,Linen Closet,Separate Shower,Walk-In Closet(s)
  • Level: First
  • Dimensions: 15 x 15

Property

Details

  • Parcel number: 326186
  • Exclusions: minerals

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Community
  • Patio & porch: Rear Porch,Front Porch,Covered
  • Exterior features: Rain Gutters
  • Fencing: Wood

Lot

  • Lot size: 6,098 sqft
  • Features: Back Yard,Lawn,Landscaped,Subdivision,Sprinkler System,Few Trees

Parking

  • Total spaces: 2
  • Parking features: Concrete,Door-Multi,Driveway,Garage Faces Front,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Tornado
Hail
Heat Wave
Inland Flooding
Ice Storm
Strong Wind
Cold Wave
Lightning
Wildfire

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 $1,719$20,628
Home Insurance *$345$4,140
Property Taxes $300$3,600
Electricity $238$2,859
Total$2,602$31,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,211/yr
40% on housing$78,060/yr
45% on housing$69,386/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: 3.4%
3.4%
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

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 76240$205
Cooke County$232

vs Homes Sold Last Month

Median $/sqft

ZIP 76240$160
Cooke 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
2026-04-15Listed for sale$372,450

New Construction

AgentClinton Shipley
BrokerageNTex Realty, LP

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