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709 10th St, Shallowater, TX, 79363

2beds
1baths
624sqft
$107,900
$173price/sqft
$1,080/moest. monthly cost
$43,200/yrincome needed

About This Home

Great property featuring 2-bedroom, 1-bath home with central AC and heat. The home offers a functional floor plan with a complete remodel in 2023, providing comfortable everyday living and room to make it your own. Enjoy the privacy and peaceful style living while still being conveniently located just 15–20 minutes from Texas Tech University, shopping, dining, and major roadways. Ideal for those seeking space, affordability, and easy access to town.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

8/10
6/10
Shallowater High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1935

Materials

  • Foundation: Other
  • Roof: Composition
  • Construction materials: Unknown

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • All Bedrooms Down

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 624
  • Total interior livable area: 624 sqft

Property

Details

  • Parcel number: R69603

Features

  • Stories: 1

Lot

  • Lot size: 10,650 sqft
  • Features: Cleared,0 Up To 1/4 Acre

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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Winter Weather
Cold Wave
Drought

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 $545$6,540
Home Insurance *$95$1,140
Property Taxes $202$2,424
Electricity $238$2,859
Total$1,080$12,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,028/yr
40% on housing$32,400/yr
45% on housing$28,800/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

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 79363$149
Lubbock County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 79363$171
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)

Price History

DateEventPrice
2026-05-13Price change$108,900
2026-03-05Listed for sale$109,000

For Sale by Agent

AgentTamarah Curtis
BrokerageCreighton Realty Partners, LLC

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