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23381 W Us Highway 281, San Benito, TX, 78586

2beds
2baths
1,395sqft
$239,000
$171price/sqft
$1,974/moest. monthly cost
$78,960/yrincome needed

About This Home

Charming 2-bedroom, 2-bath home with nearly 1,400 sq ft of living space, situated on over half an acre of land, offering space, privacy, and the peaceful feel of South Texas living. This well-maintained home features beautiful hardwood floors, high ceilings, and a comfortable open layout that creates a warm and inviting atmosphere throughout. The spacious lot is surrounded by mature trees in both the front and back yard, providing natural shade and a relaxing outdoor setting perfect for entertaining, gardening, or simply enjoying the outdoors. With ample room for expansion, outdoor projects, or additional improvements, this property offers endless potential. Properties with this much land and character are hard to find, making this a great opportunity for buyers seeking space while still being conveniently located near everyday amenities. Schedule your private showing today and come see all the possibilities this property has to offer.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
2/10
San Benito High SchoolGrades 10-127.6 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Microwave,Refrigerator,Stove/Range
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Granite Counters,Ceiling Fan(s),High Ceilings,Walk-In Closet(s)
  • Window features: Mini Blinds
  • Flooring: Tile

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,395
  • Total interior livable area: 1,395 sqft

Property

Details

  • Parcel number: 9090002020250000

Features

  • Patio & porch: Patio Slab
  • Fencing: None

Lot

  • Lot size: 0.58 Acres
  • Features: Mature Trees

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Faces Side
  • 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

  • Cold Wave
    Cold WaveVery High
  • Hurricane
    HurricaneRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Hail
Heat Wave
Ice Storm
Winter Weather
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 $1,208$14,496
Home Insurance *$215$2,580
Property Taxes $313$3,756
Electricity $238$2,859
Total$1,974$23,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,680/yr
40% on housing$59,220/yr
45% on housing$52,640/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

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 78586$101
Cameron County$150

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)

Price History

DateEventPrice
2026-03-17Listed for sale$249,000

For Sale by Agent

AgentJesus Tony Garcia
BrokerageBalboa Realty

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