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6401 Private Road 2742, Breckenridge, TX, 76424

2beds
2baths
1,392sqft
$245,000
$176price/sqft
$2,229/moest. monthly cost
$89,160/yrincome needed

About This Home

Waterfront Home on Private Road 2742 in Breckenridge, TX! This inviting 2-bedroom, 2-bath waterfront home sits on over half an acre in the North Coves First subdivision. The open-concept kitchen flows seamlessly into the dining and living areas, creating a bright and welcoming space for entertaining or relaxing. Both bedrooms feature large walk-in closets, and the home includes a separate utility room, central heat and air, all-electric utilities, and a durable metal roof. Outside, you'll find a spacious 3-car carport and a 25x20 storage building with an overhead door for all your lake toys and equipment. The highlight is the excellent ~20x20 boat dock complete with a boat lift, storage area, and fish cleaning station—perfect for easy lake access. The property is conveniently located near a public boat ramp and offers fantastic opportunities for fishing, boating, and lakeside living. A fantastic weekend retreat or full-time lake home. Tenant occupied home. 24 hour notice is required.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

5/10
South Elementary SchoolGrades 3-57.7 mi
5/10
Breckenridge High SchoolGrades 9-127.5 mi

Construction

Type & Style

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

Interior

Bedroom

  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

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

Features

  • High Speed Internet

Interior Area

  • Total interior livable area: 1,392 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bathroom

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Other

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: R13116

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • On waterfront: Yes
  • Waterfront features: Boat Dock/Slip

Lot

  • Lot size: 0.63 Acres

Parking

  • Total spaces: 1
  • Parking features: Additional Parking
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Wildfire
Drought
Heat Wave

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 $1,238$14,856
Home Insurance *$521$6,252
Property Taxes $232$2,784
Electricity $238$2,859
Total$2,229$26,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,422/yr
40% on housing$66,870/yr
45% on housing$59,440/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -11.0%
-11.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 76424$103
Stephens County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 76424
Stephens County$97

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
2026-06-10Listed for sale$245,000

For Sale by Agent

AgentMichael Moos
BrokerageTrinity Country Real Estate

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