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490 S Bowie St, San Benito, TX, 78586

3beds
1baths
1,216sqft
$125,000
$103price/sqft
$1,234/moest. monthly cost
$49,360/yrincome needed

About This Home

Don't miss your chance to own this 1926 bungalow full of character, set on approximately one-third of an acre in a convenient in-town location near shopping, restaurants, and quick access to the expressway. This three- bedroom, one bath home blends vintage appeal with everyday comfort. Outside, the expansive, fully fenced backyard offers incredible amount of space, perfect for entertaining, adding a pool or creating your own outdoor retreat. With its charm, generous lot size and endless potential, this property is a wonderful opportunity to make something truly special.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

5/10
2/10
San Benito High SchoolGrades 10-121.2 mi

Construction

Condition

  • Year built: 1926

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile

Heating

  • Heating features: Central,Electric

Interior Area

  • Total structure area: 1,216
  • Total interior livable area: 1,216 sqft

Master Bedroom

  • Features: None

Property

Details

  • Parcel number: 5861100070005000

Features

  • Levels: One
  • Pool features: None
  • Fencing: Privacy

Lot

  • Lot size: 0.34 Acres
  • Features: Corner Lot

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
  • Hurricane
    HurricaneRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Hail
Heat Wave
Ice Storm
Tsunami

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
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 $632$7,584
Home Insurance *$112$1,344
Property Taxes $252$3,024
Electricity $238$2,859
Total$1,234$14,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,308/yr
40% on housing$37,020/yr
45% on housing$32,906/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 78586$102
Cameron County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 78586$155
Cameron County$168

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
2026-05-13Price change$125,000
2026-04-16Price change$130,000
2026-03-31Price change$138,000
2026-02-20Listed for sale$146,000
2025-03-18Listing removed$115,000
2025-03-07Pending sale$115,000
2025-03-01Listed for sale$115,000

For Sale by Agent

AgentMarisol Melguizo
BrokerageLEGACY REALTY GROUP RGV

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