4020 River Oaks Cir, Temple, TX, 76504
About This Home
FULLY FURNISHED garden home located close to shopping, hospitals, and highways. This low maintenance home features multiple patio spaces, direct access to the community pool, and a cozy double sided fireplace in the heart of the home. This property sits on a corner lot and has no carpet for easy upkeep!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1983
Materials
- Foundation: Slab
- Roof: Composition,Shingle
- Construction materials: Masonry
Type & Style
- Home type: SingleFamily
- Architectural style: Garden Home,Patio Home
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Range,Some Electric Appliances
- Laundry features: Laundry in Utility Room,Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s),Crown Molding,See Remarks
- Flooring: Ceramic Tile,Vinyl
- Fireplace features: Double Sided,Living Room
- Fireplace: Yes
- Attic: Other,See Remarks
Heating & Cooling
- Heating features: Electric
- Cooling features: 1 Unit
Interior Area
- Total interior livable area: 1,572 sqft
Property
Details
- Parcel number: 125628
- Attached to another structure: Yes
Features
- Levels: One
- Stories: 1
- Pool features: Community,In Ground
- Patio & porch: Patio
- Exterior features: Patio
- Fencing: Wood
- Has view: Yes
- View description: None
- Waterbody name: None
Lot
- Lot size: 3,916 sqft
Parking
- Total spaces: 2
- Parking features: Attached,Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,010 | $12,120 |
| Home Insurance * | $186 | $2,232 |
| Property Taxes | $107 | $1,284 |
| Electricity | $238 | $2,859 |
| Total | $1,541 | $18,492 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-06 | Price change | $199,900 |
| 2026-05-11 | Listed for sale | $209,000 |
| 2026-05-06 | Contingent | $209,000 |
| 2026-04-15 | Price change | $209,000 |
| 2025-12-31 | Listed for sale | $195,000 |
| 2025-12-13 | Contingent | $195,000 |
| 2025-08-26 | Price change | $195,000 |
| 2025-06-20 | Price change | $205,000 |
| 2025-03-28 | Price change | $220,000 |
| 2025-02-22 | Price change | $225,000 |
| 2024-10-25 | Listed for sale | $230,000 |
| 2023-08-01 | Sold | -- |
| 2023-06-28 | Pending sale | $230,000 |
| 2023-06-14 | Price change | $230,000 |
| 2023-05-20 | Price change | $234,900 |
| 2023-05-12 | Listed for sale | $239,900 |
| 2020-01-03 | Sold | -- |
| 2019-09-27 | Listed for sale | $140,000 |
| 2018-05-07 | Sold | -- |
| 2018-02-13 | Listed for sale | $119,900 |
| 2017-10-11 | Listing removed | $1,195 |
| 2017-09-26 | Listing removed | $115,900 |
| 2017-09-13 | Price change | $115,900 |
| 2017-09-11 | Price change | $1,195 |
| 2017-09-08 | Listed for rent | $1,295 |
| 2017-07-19 | Listed for sale | $119,900 |
| 2017-01-11 | Sold | -- |
| 2016-04-11 | Sold | -- |
View on Zillow