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428 W Bow St, Tyler, TX, 75702

3beds
3baths
2,328sqft
$199,400
$86price/sqft
$1,718/moest. monthly cost
$68,720/yrincome needed

About This Home

Charming 1915 Duplex in the Heart of Tyler! Located just blocks from Tyler’s newly revitalized downtown district, this classic 1900s duplex offers convenience to medical facilities, shopping, dining, and entertainment. With its stucco exterior and large, welcoming front porch, the property blends historic character with modern updates. Both units feature 11 ft ceilings, original hardwood floors, updated/recessed lighting, updated plumbing, and washer/dryer hookups. A new HVAC system was installed in 2020 in unit A, with existing window units remaining for supplemental or backup cooling. Utilities are separately metered for each unit, with the exception of water. Unit 1: 1 bedroom and 1 bath | approx. 992 sq ft Unit 2: 2 bedrooms and 1.5 bath | approx. 1,336 sq ft | includes a decorative/mock fireplace The property sits on a partially fenced lot with mature trees providing shade and privacy. Parking is located behind the duplex with direct access to each unit. With its prime location and flexible layout, this property offers multiple investment possibilities—live in one unit and rent the other, or lease both for steady income. A rare opportunity to own a piece of Tyler’s history with built-in potential. All of this and so much more so make this one yours today!

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

4/10
6/10
Moore MST Magnet SchoolGrades 6-82.4 mi
4/10
Tyler High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1915

Materials

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

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Range/Oven-Gas,Microwave

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3

Features

  • Window features: Blinds
  • Flooring: Wood,Ceramic Tile
  • Fireplace features: Decorative
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Window Unit(s),Individual Controlled,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,328
  • Total interior livable area: 2,328 sqft

Property

Details

  • Parcel number: 150000019900004010
  • Zoning description: Two Family Dwelling
  • Special condition: None

Features

  • Levels: One
  • Patio & porch: Porch
  • Fencing: Chain Link,Partial

Lot

  • Lot size: 9,496 sqft

Parking

  • Parking features: 1 Or More Per Unit
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Ice Storm
Lightning
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 $1,008$12,096
Home Insurance *$230$2,760
Property Taxes $225$2,700
Electricity $255$3,067
Total$1,718$20,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,902/yr
40% on housing$51,540/yr
45% on housing$45,813/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

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 75702$88
Smith County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 75702$136
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
2026-07-14Price change$199,400
2026-06-13Listed for sale$215,000
2026-05-27Listing removed$215,000
2025-09-24Listed for sale$215,000
2021-11-19Listing removed$199,500
2021-08-31Listed for sale$199,500
2019-06-08Listing removed$223,900
2019-03-07Listed for sale$223,900
2017-09-14Sold--
2017-08-15Pending sale$49,000
2017-08-02Listed for sale$49,000
2017-07-17Pending sale$49,000
2017-05-09Price change$49,000
2017-04-05Listed for sale$59,000
2015-06-27Listing removed$55,000
2015-05-11Price change$55,000
2015-04-29Listed for sale$59,900

For Sale by Agent

AgentWana Crouch
BrokerageNational Agent Network

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