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202 S 23rd St, Temple, TX, 76504

2beds
1baths
784sqft
$159,900
$204price/sqft
$1,510/moest. monthly cost
$60,400/yrincome needed

About This Home

Step into this beautifully preserved 1918 home featuring 2 spacious bedrooms and 1 stylishly updated bath. Enjoy modern upgrades throughout, including a refreshed kitchen and bath, plus thoughtful improvements that make everyday living easy. The expansive lot offers endless possibilities: garden, play space, or future expansion. Whether you're sipping coffee on the front porch or entertaining in the generous backyard, this home delivers comfort, style, and functionality in every corner. A rare gem that blends vintage roots with contemporary ease—don’t miss it! This home has so much to love and so many brand new renovations, like new roof, new insulation, new appliances and so much more

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

5/10
3/10
Temple High SchoolGrades 8-120.6 mi
6/10
Bonham Middle SchoolGrades 6-83.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1918

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition,Shingle
  • Construction materials: Other,See Remarks,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Some Gas Appliances
  • Laundry features: Other,See Remarks

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),See Remarks
  • Flooring: Vinyl
  • Fireplace features: None
  • Attic: Other,See Remarks

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: 1 Unit

Interior Area

  • Total interior livable area: 784 sqft

Property

Details

  • Parcel number: 24342

Features

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

Lot

  • Lot size: 7,000 sqft

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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Tornado
Cold Wave
Lightning
Winter Weather

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 $808$9,696
Home Insurance *$149$1,788
Property Taxes $315$3,780
Electricity $238$2,859
Total$1,510$18,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,771/yr
40% on housing$45,300/yr
45% on housing$40,266/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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 76504$96
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76504$130
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)

No zestimate history available

Price History

DateEventPrice
2025-08-08Listed for sale$159,900
2023-07-10Sold--
2023-06-22Pending sale$99,900
2023-06-08Listed for sale$99,900
2023-05-11Listing removed--
2023-05-03Listed for rent$925
2022-07-14Listing removed--
2022-06-16Price change$875
2022-06-13Listed for rent$925
2021-11-12Sold--
2021-09-21Pending sale$79,900
2021-08-19Listed for sale$79,900
2021-08-12Pending sale$79,900
2021-07-30Listed for sale$79,900

For Sale by Agent

AgentZachary Backor
BrokerageKeeping It Realty

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