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4238 Cold Springs Rd, Kempner, TX, 76539

4beds
3baths
2,615sqft
$579,000
$221price/sqft
$4,106/moest. monthly cost
$164,240/yrincome needed

About This Home

Ask me about builder incentives!! Set on the tranquil outskirts of Kempner, 4238 Cold Springs Road offers a rare blend of space, craftsmanship, and country calm. This newly listed four-bedroom, two-and-a-half-bath home spans a generous 2,615 square feet, delivering room to spread out without sacrificing warmth or connection. Quality shines throughout this well-built Ben Atkinson Home. Solid construction and thoughtful finishes create a home designed to stand the test of time, while the flexible floor plan adapts effortlessly to growing families, remote work, or hosting weekend guests. Four bedrooms provide ample privacy, and the additional half-bath adds everyday convenience for busy households. Outdoors is where this property truly invites you to unwind. Expansive grounds give you space to garden, entertain, or simply savor the wide Texas sky. Imagine morning coffee on the porch, evening gatherings under the stars, and plenty of room for pets and play. It's the kind of outdoor canvas that turns a house into a lifestyle. The surrounding neighborhood balances peaceful seclusion with practical access. Heritage Park sits just minutes away, perfect for weekend strolls and picnics, while Crossroads High School serves nearby families. Everyday errands are simple, too, with Walmart Neighborhood Market and Killeen amenities within an easy drive. Here, small-town serenity meets modern accessibility, offering the best of both worlds. Whether you're seeking a quiet retreat or a spacious family haven, this Kempner gem delivers character, comfort, and endless potential. Come discover a place ready to welcome your next chapter with open doors.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Brick Veneer,Masonry

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Built-In Oven,Microwave,Range
  • Laundry features: Laundry in Utility Room,Laundry Room

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Double Vanity,Granite Counters,Garden Tub/Roman Tub,Home Office,Pull Down Attic Stairs,Split Bedrooms,Soaking Tub,Separate Shower,Walk-In Closet(s),Breakfast Bar,Breakfast Area,Eat-in Kitchen,Kitchen/Family Room Combo,Kitchen/Dining Combo,Pantry,Walk-In Pantry
  • Flooring: Carpet,Tile
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Central,Electric,Fireplace(s)
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,615 sqft

Property

Details

  • Parcel number: 529443
  • Special condition: Builder Owned

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Covered Patio,Porch
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Waterbody name: None

Lot

  • Lot size: 0.64 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $2,927$35,124
Home Insurance *$309$3,708
Property Taxes $583$6,996
Electricity $287$3,445
Total$4,106$49,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,777/yr
40% on housing$123,180/yr
45% on housing$109,493/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: 6.8%
6.8%
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

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 76539$212
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76539$208
Bell County$145

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
2026-07-07Listed for sale$579,000

For Sale by Agent

AgentRick Ott
BrokerageHomestead Real Estate

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