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1109 Gray Dr, Killeen, TX, 76541

3beds
1baths
1,616sqft
$165,000
$102price/sqft
$1,336/moest. monthly cost
$53,440/yrincome needed

About This Home

Welcome to 1109 Gray, a charming 3-bedroom, 1-bath home that offers comfort, functionality, and plenty of outdoor space to enjoy. Inside, you'll find a bright eat-in kitchen that's perfect for everyday meals and gathering with family and friends. Step outside to discover a spacious backyard designed for relaxing and entertaining. Enjoy the covered back porch, unwind in the gazebo, or take advantage of the sunroom for year-round enjoyment. Need extra space for hobbies or storage? The large storage shed comes equipped with electricity, making it ideal for a workshop, craft space, or additional storage. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment opportunity, this home offers a wonderful combination of indoor comfort and outdoor living. Schedule your showing today and see all that 1109 Gray has to offer!

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

4/10
Killeen Elementary SchoolGrades PK-50.4 mi
3/10
Rancier Middle SchoolGrades 6-82.0 mi
2/10
Killeen High SchoolGrades 9-121.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1960

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition,Shingle
  • Construction materials: Lap Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator,Some Gas Appliances
  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • All Bedrooms Down,Breakfast Bar,Ceiling Fan(s),Kitchen/Dining Combo,Breakfast Area,Eat-in Kitchen,Sun Room
  • Flooring: Carpet,Linoleum,Wood
  • Fireplace features: None
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,616 sqft

Kitchen

  • Level: Main

Property

Details

  • Parcel number: 96171
  • Zoning description: R-2

Features

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

Lot

  • Lot size: 9,931 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Tornado
Winter Weather
Heat Wave
Inland Flooding

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 $834$10,008
Home Insurance *$239$2,868
Property Taxes $25$300
Electricity $238$2,859
Total$1,336$16,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,805/yr
40% on housing$40,080/yr
45% on housing$35,626/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

$102This listing

vs Other Active Listings

Avg $/sqft

ZIP 76541$64
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76541$98
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
2026-07-24Listed for sale$165,000

For Sale by Agent

AgentVirginia Cloud
BrokerageCloud Real Estate

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