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414 Houston St, Laredo, TX, 78040

2beds
1baths
1,403sqft
$129,900
$93price/sqft
$1,089/moest. monthly cost
$43,560/yrincome needed

About This Home

Excellent investment opportunity! Two homes in one lot, centrally located and in close proximity to the downtown historic district. 1952 Charm, front home with 738 sqft. Living room, 2 bedrooms w 1 bath and kitchenette. Laundry area. SOLAR PANELS to be assumed by buyer. 1 note at $196 p month. 1995 Separate back home with 665 sqft, Living room, 2 bedrooms w 1bath and kitchen/dining area. SOLAR PANELS assigned to each house, great savings!

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

5/10
Bruni Elementary SchoolGrades PK-50.4 mi
5/10
Memorial Middle SchoolGrades 6-80.6 mi
3/10
Martin High SchoolGrades 8-120.8 mi

Construction

Condition

  • Year built: 1952

Materials

  • Foundation: Slab
  • Roof: Composition Shingle,15 or More Years
  • Construction materials: Stucco,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Range,Electric Water Heater
  • Laundry features: Washer and Dryer Hookups

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile
  • Attic: None

Heating & Cooling

  • Heating features: Central Gas,Window Unit
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,068
  • Total interior livable area: 1,403 sqft

Kitchen

  • Features: Kitchen/Dining Combo,Formica

Property

Details

  • Parcel number: 160616

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front
  • Fencing: Fenced,Chain Link
  • Topography of land: Level

Lot

  • Lot size: 3,596 sqft

Parking

  • Parking features: No Garage,No Driveway,No Carport

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 WaveModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave

FEMA Declared Disasters Across Texas Counties

Hurricane

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 $656$7,872
Home Insurance *$142$1,704
Property Taxes $53$636
Electricity $238$2,859
Total$1,089$13,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,337/yr
40% on housing$32,670/yr
45% on housing$29,040/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 78040$87
Webb County$127

vs Homes Sold Last Month

Median $/sqft

ZIP 78040$100
Webb County$153

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
2025-02-15Listed for sale$129,900
2022-03-03Listing removed--
2021-11-05Sold--
2021-10-19Price change$90,000
2021-10-03Price change$110,000
2021-09-09Listed for sale$120,000
2014-01-14Sold--

For Sale by Agent

AgentAreli Martinez
BrokerageLula Morales Realty, Inc.

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