3923 River Oaks Cir, Temple, TX, 76504
About This Home
Welcome to this charming garden home in Temple, offering a low-maintenance lifestyle with space, privacy, and thoughtful features throughout. With two bedrooms and two full bathrooms, this home is perfectly sized while still providing a large living area ideal for relaxing or entertaining. Storage is a standout feature here, including ample closet space and a cedar closet—perfect for seasonal items and organization. The layout flows easily, making everyday living feel comfortable and functional. Step outside to enjoy the peaceful setting as the home backs to a wet-weather creek, providing added privacy and a natural backdrop. Residents also enjoy access to a community pool, adding to the ease and appeal of garden-style living. This Temple garden home offers comfort, convenience, and a serene setting in one welcoming package!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1986
Materials
- Foundation: Slab
- Roof: Composition,Shingle
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Garden Home
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Refrigerator,Water Heater,Some Electric Appliances,Range
- Laundry features: Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s),Tub Shower,Walk-In Closet(s),Breakfast Bar
- Flooring: Carpet,Linoleum,Tile
- Fireplace features: None
- Attic: Access Only
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total interior livable area: 1,397 sqft
Property
Details
- Parcel number: 51133
Features
- Levels: One
- Stories: 1
- Pool features: Community,In Ground
- Patio & porch: Deck
- Exterior features: Deck,Storage
- Fencing: Partial,Privacy
- Has view: Yes
- View description: None
- Waterbody name: None
Lot
- Lot size: 9,435 sqft
Parking
- Total spaces: 2
- Parking features: 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 | $1,125 | $13,500 |
| Home Insurance * | $207 | $2,484 |
| Property Taxes | $168 | $2,016 |
| Electricity | $238 | $2,859 |
| Total | $1,738 | $20,856 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-12 | Price change | $219,900 |
| 2026-04-13 | Price change | $222,500 |
| 2026-01-14 | Listed for sale | $224,900 |
| 2019-12-18 | Sold | -- |
| 2019-11-12 | Pending sale | $129,995 |
| 2019-11-02 | Listed for sale | $129,995 |
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