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121 Hill Ter, Kilgore, TX, 75662

1beds
1baths
1,600sqft
$360,000
$225price/sqft
$2,750/moest. monthly cost
$110,000/yrincome needed

About This Home

Unique opportunity in the desirable gated community of River Oaks! Situated on approximately 2.8 acres, this property is ready for you to build your dream home with much of the upfront work already completed. The dirt work is done, and water and power are ready, giving you a head start on bringing your vision to life. While you build, enjoy the convenience of the existing shop home featuring a comfortable one bedroom, one bathroom living space that is move in ready. The large shotgun style shop offers two oversized bays along with a two car garage setup, providing plenty of room for vehicles, equipment, storage, hobbies, or a workshop. Build your new home in front of the shop and keep the existing space as a guest house, workshop, additional living quarters, or recreational space. The shop home also offers flexibility to be converted into additional bedrooms if desired. With 2.8 acres, utilities ready, dirt work completed, an existing living space, and a large shop already in place, this property gives you the opportunity to start enjoying the land now while creating the home you have always wanted. All within the privacy and security of the gated River Oaks community.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
Sabine Elementary SchoolGrades PK-43.8 mi
6/10
Sabine Middle SchoolGrades 7-84.8 mi
8/10
Sabine High SchoolGrades 9-124.8 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Aluminum/Metal
  • Construction materials: Alum/Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Elec Range/Oven,Electric Water Heater
  • Laundry features: Electric Dryer Hookup

Bathroom

  • Features: Shower Only

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Breakfast Room

Features

  • Ceiling Fan(s),Breakfast Bar
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central Electric
  • Cooling features: Central Electric

Interior Area

  • Total interior livable area: 1,600 sqft

Property

Details

  • Parcel number: 1604345
  • Exclusions: Personal Items

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: None
  • Living area range: 1501-2000

Lot

  • Lot size: 2.89 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport,Garage Faces Front
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Carport: 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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane

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 $1,820$21,840
Home Insurance *$344$4,128
Property Taxes $348$4,176
Electricity $238$2,859
Total$2,750$33,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,285/yr
40% on housing$82,500/yr
45% on housing$73,333/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 75662$123
Gregg County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 75662$133
Gregg County$127

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
2026-08-13Price change$270,000
2026-05-27Listed for sale$360,000

For Sale by Agent

AgentJanti Patel
BrokerageRamsey Realty Group

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