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1818 S 39th St, Temple, TX, 76504

2beds
1baths
1,038sqft
$158,800
$153price/sqft
$1,507/moest. monthly cost
$60,280/yrincome needed

About This Home

Charming Temple Home with Original Wood Floors, Huge Backyard & Incredible Parking Flexibility Welcome home to this charming 2-bedroom, 1-bath home in an established Temple neighborhood just minutes from Baylor Scott & White Medical Center. Full of character, this home features beautiful original wood floors, a comfortable living area, a separate dining room, and a functional layout designed for everyday living. The kitchen offers plenty of cabinet storage, a refrigerator, dishwasher, and oven/stove combo, plus a convenient pass-through window connecting the kitchen and living room — perfect for entertaining while keeping the spaces open and connected. Step outside and discover one of this home’s standout features: the spacious fenced backyard. Mature trees provide shade and character, while the back patio creates the perfect place to relax, grill, or enjoy evenings outdoors. The oversized rear gate with alley access offers exceptional flexibility with room to park multiple vehicles, an RV, trailer, boat, work trucks, or other recreational equipment. Located in a desirable, established neighborhood close to shopping, dining, major roadways, and Baylor Scott & White, this home combines classic charm, convenience, and hard-to-find outdoor space. Don’t miss this opportunity to make this Temple gem your own!

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

4/10
Scott Elementary SchoolGrades K-50.3 mi
6/10
Bonham Middle SchoolGrades 6-82.0 mi
3/10
Temple High SchoolGrades 9-121.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1955

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Some Electric Appliances,Cooktop
  • Laundry features: In Garage

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • All Bedrooms Down,Ceiling Fan(s),Tub Shower
  • Flooring: Hardwood,Linoleum,Wood
  • Fireplace features: None
  • Attic: Access Only

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: 1 Unit

Interior Area

  • Total interior livable area: 1,038 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 14973

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio
  • Exterior features: Patio
  • Fencing: Back Yard,Chain Link
  • Has view: Yes
  • View description: None
  • Waterbody name: None

Lot

  • Lot size: 9,661 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage,Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • 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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Lightning
Winter Weather

FEMA Declared Disasters Across Texas Counties

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 $802$9,624
Home Insurance *$148$1,776
Property Taxes $319$3,828
Electricity $238$2,859
Total$1,507$18,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,668/yr
40% on housing$45,210/yr
45% on housing$40,186/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: 6.8%
6.8%
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

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 76504$96
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76504$130
Bell County$145

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
2026-08-17Price change$154,900
2026-07-05Price change$158,800
2026-06-06Listed for sale$168,800
2026-05-09Listing removed$1,550
2026-05-03Listed for rent$1,550
2026-05-02Listing removed$1,550
2026-04-13Price change$1,550
2026-04-11Listed for rent$1,950
2022-11-12Listing removed--
2022-10-27Listed for rent$1,450
2022-08-15Sold--
2022-08-02Pending sale$150,000
2022-07-29Listed for sale$150,000

For Sale by Agent

AgentKarina Loyo
BrokerageColdwell Banker Realty

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