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4538 W Loop 281, Longview, TX, 75604

5beds
3baths
3,322sqft
$449,990
$135price/sqft
$3,474/moest. monthly cost
$138,960/yrincome needed

About This Home

Welcome to this expansive 5-bedroom, 3 bathroom home offering 3,322 square feet of flexible living space in Longview, Texas.With its strategic location and expansive layout, this property presents exciting possibilities- from a beautifully spaced private residence to possible commercial use (subject to rezoning.) With substantial reconstruction and expansion in 2008, much of the home was rebuilt and thoughtfully updated, creating the space and functionality today's buyers are looking for. The two-story layout provides room to spread out- whether you need multiple bedrooms, dedicated office space, guest quarters, or hobby rooms. A gas fireplace anchors the main living area, adding warmth and character, while the generous square footage allows for both everyday comfort and entertaining. Outside the home truly stands apart. A large covered deck overlooks the back yard, offering the perfect gathering space. In addition to the home, you will find a detached 4-car garage, a secondary shop, and a storage building- giving you flexibility for vehicles, equipment, workspace, and storage needs. While currently zoned residential, the location and overall setup present strong potential for future commercial use. Buyers should independently verify rezoning possibilities with local authorities. With it's visibility and layout, this property offers a rare chance that could serve multiple purposes over time. Whether you're looking for a spacious home or exploring future investment potential- this one delivers options.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

5/10
Bramlette STEAM AcademyGrades 1-52.5 mi
6/10
Longview High SchoolGrades 8-124.4 mi

Construction

Condition

  • Year built: 1958

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range,Dishwasher,Microwave,Double Oven,Gas Cooktop,Gas Water Heater

Bathroom

  • Features: Shower and Tub,Bar,Double Shower

Bedroom

  • Features: Walk-In Closet(s)

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Separate Formal Dining

Features

  • Ceiling Fan(s)
  • Flooring: Tile,Vinyl Plank
  • Fireplace features: Gas Only
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central/Electric
  • Cooling features: Central Electric,Ceiling Fan(s)

Interior Area

  • Total structure area: 3,322
  • Total interior livable area: 3,322 sqft

Kitchen

  • Features: Kitchen/Eating Combo,Breakfast Bar

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 02590256030230002
  • Special condition: None,As-Is Condition @ Closing

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 2nd floor
  • Pool features: None
  • Patio & porch: Deck Covered,Porch
  • Exterior features: Gutter(s)
  • Fencing: Wood,Metal

Lot

  • Lot size: 0.46 Acres

Parking

  • Total spaces: 4
  • Parking features: Detached,Workshop in Garage,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes

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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Ice Storm
Tornado
Hail
Strong Wind
Winter Weather
Cold Wave
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters Across Texas Counties

Flood
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 $2,275$27,300
Home Insurance *$334$4,008
Property Taxes $501$6,012
Electricity $364$4,377
Total$3,474$41,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,108/yr
40% on housing$104,220/yr
45% on housing$92,640/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: 7.9%
7.9%
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

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 75604$117
Gregg County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 75604$146
Gregg County$127

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
2026-02-12Listed for sale$449,990

For Sale by Agent

AgentHeather Kelly
BrokerageEmber Realty

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