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812 S 22nd St, Temple, TX, 76501

6beds
4baths
1,845sqft
$275,000
$149price/sqft
$2,414/moest. monthly cost
$96,560/yrincome needed

About This Home

Great Investment Opportunity to own this duplex in Temple, Texas. This property situated on a prime location, convenience, and potential income growth. This property features in a prime features two spacious units, both units are identical, each unit features 3 bedrooms and 2 full baths, kitchen and open to the living and dinning areas with modern amenities throughout. Laminate flooring throughout the house. Energy efficient features and appliances are proven to drive down utility costs. Fully equipped with SMART HOME TECHNOLOGY that includes programmable thermostat, keyless smart, locks all connected and secured through a smart home hub. These units promise a cozy and functional living space suitable for everyone. The property located in the prime location, just 30 miles away from Fort Cavazos, home to the third-largest military base in the world, presents a unique opportunity for attracting military tenants. Front parking spaces. Unit B has a very long term tenants, current monthly rent is $1150, lease expires 9.30.2026. Unit A has an excellent opportunity for immediate occupancy or rental income. Current market rent is $1150-$1250. All utilities separately metered and paid by the tenants. Easy access to school & shopping. Enjoy the convenience of easy access to Fort Cavazos and making commuting to Austin and Waco. This income property is perfect for generating a steady stream of rental income. Whether you are a seasoned investor or just starting out, this duplex is an excellent investment opportunity that should not be missed! All information is deemed reliable and accurate but not guaranteed. Buyer and buyer's agent to verify all information provided including school, measurements & HOA. Unit A is vacant and available for showing. No showing in Unit B until accepted contract. **Images may be reflective of a staged or representative unit; homes are unfurnished. **Photos are of Unit A-B before tenant moved in**

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
Travis Science AcademyGrades 6-81.5 mi
3/10
Temple High SchoolGrades 8-121.9 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Duplex,Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Eat-in Kitchen,High Speed Internet,Open Floorplan,Pantry,Smart Home
  • Window features: Window Coverings
  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Attic Fan,Central Air,Electric,Heat Pump

Interior Area

  • Total structure area: 1,845
  • Total interior livable area: 1,845 sqft

Property

Details

  • Parcel number: 105085
  • Exclusions: Tenants Personal Belongings.

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch

Lot

  • Lot size: 6,011 sqft

Parking

  • Total spaces: 4
  • Parking features: Driveway,On Site,Outside
  • 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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Hail
Lightning
Tornado
Winter Weather
Cold Wave
Heat Wave

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 $1,390$16,680
Home Insurance *$244$2,928
Property Taxes $542$6,504
Electricity $238$2,859
Total$2,414$28,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,765/yr
40% on housing$72,420/yr
45% on housing$64,373/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

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 76501$99
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76501$135
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
2026-04-03Price change$275,000
2026-03-05Listed for sale$280,000
2023-05-09Sold--
2023-03-05Pending sale$274,990
2023-02-22Contingent$274,990
2023-02-15Listed for sale$274,990
2018-04-03Sold--

For Sale by Agent

AgentSinlo Lok
BrokerageQ.Co

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