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1405 S 39th St, Temple, TX, 76504

2beds
1baths
1,005sqft
$169,000
$168price/sqft
$1,582/moest. monthly cost
$63,280/yrincome needed

About This Home

This beautifully renovated 2-bedroom, 1-bath home is the perfect opportunity for a first-time home buyer or savvy investor! Nearly every major aspect of the home has been redone, offering peace of mind and modern comfort. Updates include new flooring, fresh interior and exterior finishes, updated kitchen and bathroom spaces, modern fixtures, upgraded heating and cooling systems, and more. The open-concept layout creates a bright and inviting atmosphere, while the stylish kitchen features updated cabinetry, countertops, and appliances. The bathroom has been thoughtfully redesigned with contemporary finishes. Outside, you’ll find a large backyard with plenty of room for entertaining, pets, or future additions, plus a detached shed with washer and dryer connections for added convenience. Mature trees provide shade and character, while the long driveway offers ample parking. Move-in ready and full of charm, this home combines affordability, functionality, and updated style in one attractive package.

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

4/10
Scott Elementary SchoolGrades K-50.3 mi
3/10
Temple High SchoolGrades 8-121.5 mi
6/10
Bonham Middle SchoolGrades 6-82.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1953

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Gas Water Heater,Range Hood,Tankless Water Heater,Some Electric Appliances,Range
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Other,See Remarks

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Chandelier,Multiple Closets,Tub Shower,Pantry
  • Flooring: Ceramic Tile,Luxury Vinyl Plank
  • Fireplace features: None
  • Attic: Access Only

Heating & Cooling

  • Heating features: Electric,Multiple Heating Units,Window Unit
  • Cooling features: Electric,3+ Units,Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 1,005 sqft

Property

Details

  • Parcel number: 52710

Features

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

Lot

  • Lot size: 9,378 sqft

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 $854$10,248
Home Insurance *$157$1,884
Property Taxes $333$3,996
Electricity $238$2,859
Total$1,582$18,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,240/yr
40% on housing$47,460/yr
45% on housing$42,186/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

$168This 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
2026-05-08Listed for sale$169,000

For Sale by Agent

AgentMatthew Mahler
BrokerageMahler Group

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