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4361 Tall Ridge Rd, Kempner, TX, 76539

4beds
3baths
2,749sqft
$549,900
$200price/sqft
$3,929/moest. monthly cost
$157,160/yrincome needed

About This Home

This beautifully built home has a 3 car side entry garage, 4 bedroom 3 bath open floor plan. Custom cabinets and a large island that opens to the living room. Front and side sod and sprinkler system the builder is offering $15,000 in buyer concessions or a privacy fence. Located outside the city limits so enjoy those lower property taxes. Plus, there is no HOA, only deed restrictions.

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,Stone Veneer

Other

  • Builder name: Silverado Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Water Heater,Disposal,Oven,Plumbed For Ice Maker,Range Hood,Water Heater,Some Electric Appliances,Built-In Oven,Cooktop,Microwave
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Laundry in Utility Room,Laundry Room

Bedroom2

  • Dimensions: 12x10

Bedroom3

  • Dimensions: 12x11

Bedroom4

  • Dimensions: 13x11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Dimensions: 11x14

Features

  • Built-in Features,Ceiling Fan(s),Carbon Monoxide Detector,Double Vanity,Entrance Foyer,Garden Tub/Roman Tub,High Ceilings,Open Floorplan,Pull Down Attic Stairs,Recessed Lighting,Separate Shower,Walk-In Closet(s),Custom Cabinets,Eat-in Kitchen,Granite Counters,Kitchen Island,Kitchen/Family Room Combo,Pantry
  • Flooring: Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning Stove
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric,1 Unit

Interior Area

  • Total interior livable area: 2,749 sqft

Kitchen

  • Dimensions: 11x18

Laundry

  • Dimensions: 9x7

Living Room

  • Dimensions: 19x19

Master Bedroom

  • Dimensions: 16x17

Office

  • Dimensions: 11x12

Property

Details

  • Parcel number: 529448
  • Special condition: Builder Owned

Features

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

Lot

  • Lot size: 0.64 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Garage Faces Side
  • 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 $2,780$33,360
Home Insurance *$294$3,528
Property Taxes $554$6,648
Electricity $301$3,622
Total$3,929$47,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,708/yr
40% on housing$117,870/yr
45% on housing$104,773/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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 76539$213
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
2026-08-03Listed for sale$549,900

For Sale by Agent

AgentLori Atkinson
BrokerageAtkinson Real Estate

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