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828 Willow St, Jacksonville, TX, 75766

3beds
2baths
2,052sqft
$279,000
$136price/sqft
$2,143/moest. monthly cost
$85,720/yrincome needed

About This Home

Welcome to this spacious brick home offering 3B 2B and a desirable split bedroom floor plan. The large livng room features a cozy corner fireplace, creating a warm and inviting gather space. The kitchen includes a charming breakfast nook, and French doors open to a covered patio overlooking the fenced backyard...perfect for relaxing or entertaining. Addn features include an oversized garage with a convenient storage closet (2) and on a corner lot location in an established, desirable neighborhood. While the home could benefit from a little TLC it offers great potential for buyers looking to add their own personal touches and build equity. Don't miss this opportunity to make this home your own.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
4/10
5/10
Jacksonville High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven-Electric,Dishwasher,Gas Water Heater

Bathroom

  • Features: Shower Only,Shower/Tub

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Den/Dining Combo

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: One Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central/Gas
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 2,052
  • Total interior livable area: 2,052 sqft

Master Bedroom

  • Features: Master Bedroom Split

Property

Details

  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio Covered
  • Fencing: Chain Link

Lot

  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side
  • 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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Heat Wave
Ice Storm
Lightning
Tornado
Winter Weather
Inland Flooding

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
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 $1,410$16,920
Home Insurance *$275$3,300
Property Taxes $220$2,640
Electricity $238$2,859
Total$2,143$25,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,474/yr
40% on housing$64,290/yr
45% on housing$57,146/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: 4.1%
4.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 75766$185
Cherokee County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 75766$121
Cherokee County$121

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
2026-07-21Listed for sale$279,000

For Sale by Agent

AgentVickie Lough
BrokeragePremier Homes & Properties Realty

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