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1312 Fm 581, Lometa, TX, 76853

2beds
2baths
1,458sqft
$925,000
$634price/sqft
$5,741/moest. monthly cost
$229,640/yrincome needed

About This Home

Escape to the peace and beauty of the Texas Hill Country with this charming retreat located on paved FM 581 just outside of Lometa and only minutes from shopping and H-E-B. The quaint rustic farmhouse features a classic tin roof, 2 bedrooms, 2 bathrooms, real wood floors, a spacious game room, and central heat and air, offering the perfect blend of country charm and everyday comfort. Also included is a well-maintained 2-bedroom, 2-bath manufactured home complete with a covered deck, carport, and storage area — ideal for guests, extended family, or rental potential. The land is perfectly suited for recreation and country living, with excellent opportunities for whitetail deer hunting, star gazing under dark Texas skies, agricultural grazing with cows and calves, FFA or 4-H projects, and plenty of room for horses to roam. Enjoy the welcoming small-town atmosphere that makes Lometa special, from Catfish Fridays at Sammy's Cafe to delicious Mexican food at Rancho Seco and BBQ with adult beverages at The Beer Kooler. Experience the excitement of Friday night lights and six-man football, along with strong community pride through organizations like the Lometa Garden Club and Lometa Lions Club. Families will also appreciate highly regarded Lometa Independent School District and will love the Hornet Pride. Whether you’re looking for a weekend getaway, full-time country living, or an investment opportunity, this unique Hill Country property offers peaceful surroundings with convenient access to town amenities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Lometa SchoolGrades PK-121.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1940

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Hill Country,Ranch
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Gas Range,Some Gas Appliances
  • Laundry features: Laundry Closet,Main Level

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s),Eat-in Kitchen,Kitchen/Dining Combo,Pantry
  • Flooring: Wood
  • Fireplace features: None
  • Attic: Access Only

Game Room

  • Level: Main

Interior Area

  • Total interior livable area: 1,458 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 12919

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Storage
  • Spa features: None
  • Fencing: Cross Fenced,Perimeter
  • Has view: Yes
  • View description: None
  • Waterbody name: None
  • Residential vegetation: Partially Wooded
  • Horses can be raised: Yes

Lot

  • Lot size: 83.12 Acres

Parking

  • Parking features: No Garage

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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Hail
Lightning
Tornado
Wildfire
Winter Weather
Cold Wave
Drought
Inland Flooding
Strong Wind

FEMA Declared Disasters Across Texas Counties

Flood
Severe Storm
Straight Line Winds

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 $4,677$56,124
Home Insurance *$241$2,892
Property Taxes $585$7,020
Electricity $238$2,859
Total$5,741$68,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$196,834/yr
40% on housing$172,230/yr
45% on housing$153,093/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.1%
-5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$634This listing

vs Other Active Listings

Avg $/sqft

ZIP 76853$438
Lampasas County$261

vs Homes Sold Last Month

Median $/sqft

ZIP 76853$200
Lampasas County$162

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
2026-05-27Listed for sale$925,000

For Sale by Agent

AgentTerri Harris
BrokerageD H Land Company

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