See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

207 S Virginia St, Troup, TX, 75789

2beds
1baths
1,435sqft
$94,000
$66price/sqft
$913/moest. monthly cost
$36,520/yrincome needed

About This Home

Nestled on a desirable corner lot in one of Troup's established neighborhoods, this charming 2-bedroom, 2-bath home offers 1,435 square feet of warm, inviting living space filled with timeless character. From its classic layout to the vintage details that add personality throughout, this home is full of charm and potential. The spacious floor plan provides comfortable living and entertaining areas, while the home's unique features create a welcoming atmosphere that's hard to find. With a few updates and personalized finishes, this property can truly shine. Whether you're a first-time homebuyer looking to build equity or an investor seeking a property with great upside, this home presents an excellent opportunity. Full of character, curb appeal, and possibilities, this Troup gem is ready for its next chapter.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
Troup Elementary SchoolGrades PK-50.3 mi
6/10
Troup Middle SchoolGrades 6-80.9 mi
7/10
Troup High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1940

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range/Oven,Gas Water Heater
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Bookcases,Ceiling Fans
  • Window features: Shades/Blinds
  • Flooring: Vinyl,Hardwood
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central Electric
  • Cooling features: Central Electric,Attic Fan

Interior Area

  • Total interior livable area: 1,435 sqft

Property

Details

  • Parcel number: 1.40000.0010.008000
  • Exclusions: No

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: None
  • Residential vegetation: Partially Wooded
  • Living area range: 1000-1500

Lot

  • Lot size: 0.27 Acres
  • Features: Corner,Native Grass,Sandy Loam

Parking

  • Parking features: No Garage,None

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

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Heat Wave
Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters Across Texas Counties

Flood
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 $475$5,700
Home Insurance *$86$1,032
Property Taxes $114$1,368
Electricity $238$2,859
Total$913$10,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,302/yr
40% on housing$27,390/yr
45% on housing$24,346/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: 6.3%
6.3%
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

$66This listing

vs Other Active Listings

Avg $/sqft

ZIP 75789$200
Smith County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 75789$173
Smith County$171

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
2026-08-13Pending sale$94,000
2026-07-19Price change$94,000
2026-06-19Listed for sale$103,900
2026-03-19Listing removed$105,000
2025-12-23Price change$105,000
2025-12-01Price change$119,900
2025-10-24Listed for sale$125,000

For Sale by Agent

AgentRebecca L Hamilton
BrokerageL4 Property Group

Similar Homes