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2819 Colgate St, Lubbock, TX, 79415

2beds
1baths
1,050sqft
$60,000
$57price/sqft
$762/moest. monthly cost
$30,480/yrincome needed

About This Home

Great Opportunity for First-Time Home Buyers or Investors This affordably priced home is full of potential and ready for your personal touch. Featuring 2 bedrooms and 1 full bathroom, the layout includes two separate living areas, offering flexibility for entertaining, relaxing, or creating a home office space. A dedicated laundry room adds everyday convenience. Step outside to a spacious backyard complete with a large shed and a smaller shed, offering ample storage or workspace. A rear porch area offers the perfect spot to unwind or expand your outdoor living vision. While the home does require some TLC, the value and possibilities here make it an excellent opportunity to build equity and customize to your style. Bring your vision and make this home your own.

Getting Around

48
WalkingCar-Dependent
34
TransitSome Transit
44
BikeSomewhat Bikeable

Schools

6/10
5/10
Cavazos Middle SchoolGrades 6-80.5 mi
6/10
Lubbock High SchoolGrades 9-121.9 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1932

Materials

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

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen
  • Finished area above ground: 1,050

Heating & Cooling

  • Heating features: None
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,050
  • Total interior livable area: 1,050 sqft

Property

Details

  • Parcel number: R106961
  • Zoning description: Single Family
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch
  • Exterior features: Storage
  • Fencing: Chain Link

Lot

  • Lot size: 6,534 sqft

Parking

  • Total spaces: 1
  • Parking features: Carport,Driveway
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Winter 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 $303$3,636
Home Insurance *$131$1,572
Property Taxes $90$1,080
Electricity $238$2,859
Total$762$9,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,125/yr
40% on housing$22,860/yr
45% on housing$20,320/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: 6.1%
6.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$57This listing

vs Other Active Listings

Avg $/sqft

ZIP 79415$78
Lubbock County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 79415$106
Lubbock County$143

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
2026-04-27Listed for sale$75,000

For Sale by Agent

AgentDan Schwertner
BrokerageExit Realty of Lubbock

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